Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Wisconsin Bank & Trust of Madison, WI reported 396 mortgage applications totaling $84.7 million, down 2% from 2016. The average application was for $213,820, and applicants reported an average income of $73,694. 62% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Madison, WI (122), Sheboygan, WI (122) and Milwaukee-Waukesha-West Allis, WI (37) (applications in parentheses).
| Mortgage Company & Address | Wisconsin Bank & Trust 119 Junction Rd Madison, WI 53717 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 396 |
| Total Mortgage Loan Application Amount | $84,673,000 |
| Average Mortgage Loan Application Amount | $213,820 |
| Highest Mortgage Loan Application Amount | $11,650,000 |
| Average Applicant Income | $73,694 |
| Highest Applicant Income | $1,149,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sheboygan, Wisconsin | 122 | $ 10,644,000 | $ 87,245 | $ 73,000 |
| Dane, Wisconsin | 76 | $ 14,163,000 | $ 186,355 | $ 93,000 |
| Green, Wisconsin | 43 | $ 8,225,000 | $ 191,279 | $ 78,000 |
| Grant, Wisconsin | 33 | $ 9,698,000 | $ 293,878 | $ 37,000 |
| Milwaukee, Wisconsin | 31 | $ 18,016,000 | $ 581,161 | $ 53,000 |
| Calumet, Wisconsin | 13 | $ 1,068,000 | $ 82,153 | $ 43,000 |
| Stephenson, Illinois | 9 | $ 5,090,000 | $ 565,555 | $ 46,000 |
| Jefferson, Wisconsin | 7 | $ 1,138,000 | $ 162,571 | $ 50,000 |
| Lafayette, Wisconsin | 5 | $ 793,000 | $ 158,600 | $ 61,000 |
| Manitowoc, Wisconsin | 5 | $ 796,000 | $ 159,200 | $ 64,000 |
| Brown, Wisconsin | 4 | $ 751,000 | $ 187,750 | $ 167,000 |
| Crawford, Wisconsin | 4 | $ 684,000 | $ 171,000 | $ 66,000 |
| Fond du Lac, Wisconsin | 4 | $ 185,000 | $ 46,250 | $ 57,000 |
| Outagamie, Wisconsin | 3 | $ 952,000 | $ 317,333 | $ 66,000 |
| Racine, Wisconsin | 3 | $ 297,000 | $ 99,000 | $ 67,000 |
| Rock, Wisconsin | 3 | $ 327,000 | $ 109,000 | $ 105,000 |
| Washington, Wisconsin | 3 | $ 666,000 | $ 222,000 | $ 57,000 |
| Winnebago, Wisconsin | 3 | $ 226,000 | $ 75,333 | $ 8,000 |
| Dodge, Wisconsin | 2 | $ 97,000 | $ 48,500 | $ 36,000 |
| Iowa, Wisconsin | 2 | $ 2,508,000 | $ 1,254,000 | $ 0 |
| Oneida, Wisconsin | 2 | $ 397,000 | $ 198,500 | $ 95,000 |
| Sauk, Wisconsin | 2 | $ 165,000 | $ 82,500 | $ 99,000 |
| Waukesha, Wisconsin | 2 | $ 1,125,000 | $ 562,500 | $ 36,000 |
| Maricopa, Arizona | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Boulder, Colorado | 1 | $ 700,000 | $ 700,000 | $ 587,000 |
| Huerfano, Colorado | 1 | $ 100,000 | $ 100,000 | $ 33,000 |
| Montgomery, Maryland | 1 | $ 1,600,000 | $ 1,600,000 | $ 1,149,000 |
| Pasquotank, North Carolina | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Columbia, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Door, Wisconsin | 1 | $ 750,000 | $ 750,000 | $ 275,000 |
| Juneau, Wisconsin | 1 | $ 684,000 | $ 684,000 | $ 0 |
| Kewaunee, Wisconsin | 1 | $ 1,149,000 | $ 1,149,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 186,000 | $ 186,000 | $ 125,000 |
| Portage, Wisconsin | 1 | $ 16,000 | $ 16,000 | $ 23,000 |
| Richland, Wisconsin | 1 | $ 72,000 | $ 72,000 | $ 46,000 |
| Vernon, Wisconsin | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Vilas, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Waupaca, Wisconsin | 1 | $ 162,000 | $ 162,000 | $ 0 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 225 | $64,731,000 | $287,000 | $11,650,000 | $67,000 | $1,149,000 |
| Home Improvement | 88 | $4,658,000 | $52,000 | $488,000 | $66,000 | $254,000 |
| Home Purchase | 83 | $15,284,000 | $184,000 | $700,000 | $100,000 | $587,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 257 | $45,774,000 | $178,000 | $2,150,000 | $89,000 | $1,149,000 |
| Not Provided | 60 | $5,358,000 | $89,000 | $356,000 | $85,000 | $313,000 |
| Not applicable | 57 | $31,400,000 | $550,000 | $11,650,000 | $0 | $0 |
| Asian | 7 | $410,000 | $58,000 | $127,000 | $51,000 | $90,000 |
| Hispanic | 6 | $612,000 | $102,000 | $190,000 | $70,000 | $145,000 |
| American Indian or Alaskan Native | 5 | $652,000 | $130,000 | $300,000 | $31,000 | $94,000 |
| Black or African American | 4 | $467,000 | $116,000 | $179,000 | $62,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 377 | $79,297,000 | $210,000 | $11,650,000 | $74,000 | $1,149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $3,386,000 | $423,000 | $900,000 | $25,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,074,000 | $153,000 | $260,000 | $87,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 4 | $916,000 | $229,000 | $298,000 | $82,000 | $175,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 246 | $62,433,000 | $253,000 | $11,650,000 | $74,000 | $1,149,000 |
| Application Denied By Financial Institution | 55 | $6,307,000 | $114,000 | $825,000 | $62,000 | $275,000 |
| Application Withdrawn By Applicant | 46 | $7,609,000 | $165,000 | $424,000 | $84,000 | $175,000 |
| Application Approved But Not Accepted | 35 | $5,797,000 | $165,000 | $1,254,000 | $66,000 | $254,000 |
| File Closed For Incompleteness | 14 | $2,527,000 | $180,000 | $298,000 | $100,000 | $234,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wisconsin Bank & Trust's 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Wisconsin Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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