Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Wisconsin Bank & Trust of Madison, WI reported 227 mortgage applications totaling $145.5 million, down 43% from 2017. The average application was for $641,167, and applicants reported an average income of $117,458. 66% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Sheboygan, WI (97), Madison, WI (61) and Milwaukee-Waukesha-West Allis, WI (32) (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 | 227 |
| Total Mortgage Loan Application Amount | $145,545,000 |
| Average Mortgage Loan Application Amount | $641,167 |
| Highest Mortgage Loan Application Amount | $30,415,000 |
| Average Applicant Income | $117,458 |
| Highest Applicant Income | $945,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 97 | $ 8,675,000 | $ 89,432 | $ 87,000 |
| Dane, Wisconsin | 45 | $ 25,455,000 | $ 565,666 | $ 185,000 |
| Milwaukee, Wisconsin | 21 | $ 48,395,000 | $ 2,304,523 | $ 79,000 |
| Green, Wisconsin | 15 | $ 1,445,000 | $ 96,333 | $ 61,000 |
| Grant, Wisconsin | 8 | $ 700,000 | $ 87,500 | $ 59,000 |
| Waukesha, Wisconsin | 8 | $ 56,730,000 | $ 7,091,250 | $ 167,000 |
| Brown, Wisconsin | 4 | $ 880,000 | $ 220,000 | $ 191,000 |
| Calumet, Wisconsin | 4 | $ 210,000 | $ 52,500 | $ 122,000 |
| Lafayette, Wisconsin | 3 | $ 45,000 | $ 15,000 | $ 79,000 |
| Dubuque, Iowa | 2 | $ 300,000 | $ 150,000 | $ 59,000 |
| Manitowoc, Wisconsin | 2 | $ 30,000 | $ 15,000 | $ 64,000 |
| Ozaukee, Wisconsin | 2 | $ 40,000 | $ 20,000 | $ 82,000 |
| Racine, Wisconsin | 2 | $ 360,000 | $ 180,000 | $ 90,000 |
| Kane, Illinois | 1 | $ 25,000 | $ 25,000 | $ 0 |
| McHenry, Illinois | 1 | $ 335,000 | $ 335,000 | $ 387,000 |
| Pasquotank, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Adams, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 301,000 |
| Columbia, Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Door, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Fond du Lac, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| Jefferson, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Oneida, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 189,000 |
| Sauk, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 352,000 |
| Sawyer, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Shawano, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Vilas, Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
| Washington, Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2018
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 | 115 | $23,745,000 | $206,000 | $10,815,000 | $83,000 | $301,000 |
| Home Purchase | 73 | $118,235,000 | $1,619,000 | $30,415,000 | $181,000 | $945,000 |
| Other Purpose | 17 | $785,000 | $46,000 | $245,000 | $95,000 | $350,000 |
| Home Improvement | 15 | $595,000 | $39,000 | $85,000 | $71,000 | $125,000 |
| Cash-out Refinancing | 7 | $2,185,000 | $312,000 | $825,000 | $175,000 | $352,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 137 | $19,855,000 | $144,000 | $1,505,000 | $122,000 | $945,000 |
| Not Provided | 37 | $4,555,000 | $123,000 | $495,000 | $121,000 | $908,000 |
| Not applicable | 33 | $118,465,000 | $3,589,000 | $30,415,000 | $0 | $0 |
| Hispanic | 11 | $1,575,000 | $143,000 | $285,000 | $68,000 | $118,000 |
| Asian | 4 | $790,000 | $197,000 | $565,000 | $141,000 | $285,000 |
| Black or African American | 4 | $260,000 | $65,000 | $185,000 | $76,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 227 | $145,545,000 | $641,000 | $30,415,000 | $117,000 | $945,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 150 | $57,120,000 | $380,000 | $10,815,000 | $132,000 | $945,000 |
| Application Denied By Financial Institution | 42 | $4,170,000 | $99,000 | $275,000 | $68,000 | $189,000 |
| Application Approved But Not Accepted | 18 | $2,790,000 | $155,000 | $795,000 | $119,000 | $282,000 |
| Application Withdrawn By Applicant | 17 | $81,465,000 | $4,792,000 | $30,415,000 | $93,000 | $425,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 185 | $141,375,000 | $764,000 | $30,415,000 | $128,000 | $945,000 |
| Credit History | 18 | $1,440,000 | $80,000 | $255,000 | $70,000 | $118,000 |
| Debt-To-Income Ratio | 14 | $1,180,000 | $84,000 | $235,000 | $49,000 | $164,000 |
| Collateral | 5 | $595,000 | $119,000 | $195,000 | $88,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $445,000 | $148,000 | $205,000 | $90,000 | $90,000 |
| Other | 2 | $510,000 | $255,000 | $275,000 | $189,000 | $189,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wisconsin Bank & Trust's 2018 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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