Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Wisconsin Bank & Trust of Madison, WI reported 242 mortgage applications totaling $72.0 million, up 223% from 2020. The average application was for $297,396, and applicants reported an average income of $94,107. 61% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Sheboygan, WI (97), Madison, WI (83) and Milwaukee-Waukesha-West Allis, WI (12) (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 | 242 |
| Total Mortgage Loan Application Amount | $71,970,000 |
| Average Mortgage Loan Application Amount | $297,396 |
| Highest Mortgage Loan Application Amount | $31,385,000 |
| Average Applicant Income | $94,107 |
| Highest Applicant Income | $648,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 8,455,000 | $ 87,164 | $ 79,000 |
| Dane, Wisconsin | 48 | $ 8,610,000 | $ 179,375 | $ 94,000 |
| Green, Wisconsin | 31 | $ 3,215,000 | $ 103,709 | $ 79,000 |
| Lafayette, Wisconsin | 8 | $ 780,000 | $ 97,500 | $ 85,000 |
| Manitowoc, Wisconsin | 6 | $ 650,000 | $ 108,333 | $ 133,000 |
| Milwaukee, Wisconsin | 6 | $ 800,000 | $ 133,333 | $ 112,000 |
| Fond du Lac, Wisconsin | 4 | $ 810,000 | $ 202,500 | $ 83,000 |
| Jefferson, Wisconsin | 4 | $ 430,000 | $ 107,500 | $ 38,000 |
| Outagamie, Wisconsin | 4 | $ 720,000 | $ 180,000 | $ 75,000 |
| Rock, Wisconsin | 4 | $ 180,000 | $ 45,000 | $ 54,000 |
| Waukesha, Wisconsin | 4 | $ 2,360,000 | $ 590,000 | $ 334,000 |
| Dubuque, Iowa | 3 | $ 295,000 | $ 98,333 | $ 0 |
| Brown, Wisconsin | 3 | $ 8,615,000 | $ 2,871,666 | $ 226,000 |
| Grant, Wisconsin | 3 | $ 295,000 | $ 98,333 | $ 101,000 |
| Iowa, Wisconsin | 3 | $ 375,000 | $ 125,000 | $ 99,000 |
| Oconto, Wisconsin | 2 | $ 1,240,000 | $ 620,000 | $ 222,000 |
| Ozaukee, Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 106,000 |
| Riverside, California | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Jo Daviess, Illinois | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Lancaster, Pennsylvania | 1 | $ 805,000 | $ 805,000 | $ 648,000 |
| Columbia, Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 260,000 |
| Door, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lincoln, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| Sauk, Wisconsin | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Waushara, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Winnebago, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2021
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 | 171 | $34,455,000 | $201,000 | $8,505,000 | $91,000 | $648,000 |
| Home Improvement | 36 | $2,620,000 | $72,000 | $1,005,000 | $98,000 | $440,000 |
| Other Purpose | 22 | $1,200,000 | $54,000 | $205,000 | $96,000 | $277,000 |
| Home Purchase | 13 | $33,695,000 | $2,591,000 | $31,385,000 | $121,000 | $162,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 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 | 133 | $15,005,000 | $112,000 | $1,005,000 | $89,000 | $566,000 |
| Not Provided | 63 | $10,275,000 | $163,000 | $845,000 | $108,000 | $648,000 |
| Hispanic | 21 | $3,475,000 | $165,000 | $325,000 | $63,000 | $117,000 |
| Not applicable | 16 | $42,370,000 | $2,648,000 | $31,385,000 | $0 | $0 |
| Asian | 3 | $95,000 | $31,000 | $55,000 | $68,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $480,000 | $240,000 | $285,000 | $302,000 | $317,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 242 | $71,970,000 | $297,000 | $31,385,000 | $93,000 | $648,000 |
| 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 | 147 | $19,815,000 | $134,000 | $845,000 | $103,000 | $648,000 |
| Application Denied By Financial Institution | 70 | $8,710,000 | $124,000 | $505,000 | $60,000 | $207,000 |
| Application Withdrawn By Applicant | 24 | $43,390,000 | $1,807,000 | $31,385,000 | $137,000 | $440,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $93,000 | $93,000 |
| 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 | 172 | $63,260,000 | $367,000 | $31,385,000 | $108,000 | $648,000 |
| Debt-To-Income Ratio | 32 | $4,440,000 | $138,000 | $405,000 | $44,000 | $207,000 |
| Credit History | 19 | $1,645,000 | $86,000 | $325,000 | $61,000 | $141,000 |
| Unverifiable Information | 10 | $1,560,000 | $156,000 | $505,000 | $72,000 | $125,000 |
| Credit Application Incomplete | 5 | $775,000 | $155,000 | $505,000 | $101,000 | $166,000 |
| Collateral | 3 | $205,000 | $68,000 | $95,000 | $150,000 | $183,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $33,000 | $33,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wisconsin Bank & Trust's 2021 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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