Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Wisconsin Bank & Trust of Madison, WI reported 75 mortgage applications totaling $34.1 million, down 29% from 2019. The average application was for $454,866, and applicants reported an average income of $71,026. 59% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Sheboygan, WI (32), Madison, WI (25) and Milwaukee-Waukesha-West Allis, WI (5) (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 | 75 |
| Total Mortgage Loan Application Amount | $34,115,000 |
| Average Mortgage Loan Application Amount | $454,866 |
| Highest Mortgage Loan Application Amount | $13,655,000 |
| Average Applicant Income | $71,026 |
| Highest Applicant Income | $1,031,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 32 | $ 3,480,000 | $ 108,750 | $ 127,000 |
| Dane, Wisconsin | 15 | $ 20,145,000 | $ 1,343,000 | $ 45,000 |
| Green, Wisconsin | 10 | $ 750,000 | $ 75,000 | $ 48,000 |
| Lafayette, Wisconsin | 4 | $ 130,000 | $ 32,500 | $ 52,000 |
| Milwaukee, Wisconsin | 4 | $ 2,730,000 | $ 682,500 | $ 63,000 |
| Grant, Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Manitowoc, Wisconsin | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Jo Daviess, Illinois | 1 | $ 235,000 | $ 235,000 | $ 35,000 |
| Brown, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Calumet, Wisconsin | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Door, Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 143,000 |
| La Crosse, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 5,455,000 | $ 5,455,000 | $ 0 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2020
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 | 41 | $7,295,000 | $177,000 | $2,845,000 | $51,000 | $113,000 |
| Home Purchase | 17 | $25,665,000 | $1,509,000 | $13,655,000 | $51,000 | $80,000 |
| Home Improvement | 12 | $640,000 | $53,000 | $185,000 | $147,000 | $1,031,000 |
| Other Purpose | 4 | $140,000 | $35,000 | $85,000 | $116,000 | $143,000 |
| Cash-out Refinancing | 1 | $375,000 | $375,000 | $375,000 | $141,000 | $141,000 |
| 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 | 36 | $2,930,000 | $81,000 | $375,000 | $93,000 | $1,031,000 |
| Not applicable | 28 | $30,170,000 | $1,077,000 | $13,655,000 | $0 | $0 |
| Not Provided | 5 | $415,000 | $83,000 | $165,000 | $24,000 | $52,000 |
| Hispanic | 4 | $550,000 | $137,000 | $335,000 | $76,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 75 | $34,115,000 | $454,000 | $13,655,000 | $84,000 | $1,031,000 |
| 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 | 44 | $14,990,000 | $340,000 | $5,455,000 | $124,000 | $1,031,000 |
| Application Denied By Financial Institution | 20 | $1,470,000 | $73,000 | $335,000 | $48,000 | $100,000 |
| Application Withdrawn By Applicant | 9 | $3,305,000 | $367,000 | $2,605,000 | $52,000 | $97,000 |
| Application Approved But Not Accepted | 2 | $14,350,000 | $7,175,000 | $13,655,000 | $0 | $0 |
| 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 | 55 | $32,645,000 | $593,000 | $13,655,000 | $106,000 | $1,031,000 |
| Debt-To-Income Ratio | 10 | $1,150,000 | $115,000 | $335,000 | $47,000 | $100,000 |
| Credit History | 8 | $280,000 | $35,000 | $75,000 | $45,000 | $65,000 |
| Collateral | 2 | $40,000 | $20,000 | $25,000 | $54,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wisconsin Bank & Trust's 2020 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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