Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Wisconsin Bank & Trust of Madison, WI reported 442 mortgage applications totaling $83.6 million, down 4% from 2006. The average application was for $189,190, and applicants reported an average income of $100,619. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Madison, WI (276), Janesville, WI (12) and Ogden-Clearfield, UT (6) (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 | 442 |
| Total Mortgage Loan Application Amount | $83,622,000 |
| Average Mortgage Loan Application Amount | $189,190 |
| Highest Mortgage Loan Application Amount | $6,350,000 |
| Average Applicant Income | $100,619 |
| Highest Applicant Income | $1,883,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison, WI | 276 | $ 47,141,000 | $ 170,800 | $ 103,000 |
| Janesville, WI | 12 | $ 1,742,000 | $ 145,166 | $ 127,000 |
| Ogden-Clearfield, UT | 6 | $ 685,000 | $ 114,166 | $ 60,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 660,000 | $ 132,000 | $ 105,000 |
| Green Bay, WI | 4 | $ 939,000 | $ 234,750 | $ 56,000 |
| La Crosse, WI-MN | 3 | $ 12,820,000 | $ 4,273,333 | $ 35,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 627,000 | $ 313,500 | $ 84,000 |
| Appleton, WI | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 174,000 | $ 174,000 | $ 83,000 |
| Indianapolis-Carmel, IN | 1 | $ 200,000 | $ 200,000 | $ 110,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 101,000 | $ 101,000 | $ 58,000 |
| Oshkosh-Neenah, WI | 1 | $ 153,000 | $ 153,000 | $ 46,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 100,000 | $ 100,000 | $ 70,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 365,000 | $ 365,000 | $ 196,000 |
| Sheboygan, WI | 1 | $ 100,000 | $ 100,000 | $ 169,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2007
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 226 | $36,298,000 | $160,000 | $516,000 | $77,000 | $338,000 |
| Refinancing | 195 | $46,704,000 | $239,000 | $6,350,000 | $130,000 | $1,883,000 |
| Home Improvement | 21 | $620,000 | $29,000 | $231,000 | $82,000 | $180,000 |
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 | 399 | $64,188,000 | $160,000 | $625,000 | $100,000 | $1,883,000 |
| Not Provided | 20 | $4,163,000 | $208,000 | $899,000 | $185,000 | $925,000 |
| Not applicable | 13 | $13,828,000 | $1,063,000 | $6,350,000 | $0 | $0 |
| Asian | 4 | $606,000 | $151,000 | $210,000 | $146,000 | $239,000 |
| Black or African American | 3 | $394,000 | $131,000 | $220,000 | $77,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $403,000 | $201,000 | $232,000 | $66,000 | $77,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $36,000 | $36,000 |
| Hispanic | 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) | 437 | $81,812,000 | $187,000 | $6,350,000 | $98,000 | $1,883,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,516,000 | $505,000 | $899,000 | $462,000 | $925,000 |
| FHA-insured (Federal Housing Administration) | 2 | $294,000 | $147,000 | $164,000 | $247,000 | $360,000 |
| 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 | 387 | $76,554,000 | $197,000 | $6,350,000 | $104,000 | $1,883,000 |
| Application Denied By Financial Institution | 24 | $2,488,000 | $103,000 | $375,000 | $66,000 | $240,000 |
| Application Withdrawn By Applicant | 20 | $3,150,000 | $157,000 | $349,000 | $89,000 | $496,000 |
| Application Approved But Not Accepted | 9 | $1,296,000 | $144,000 | $318,000 | $75,000 | $170,000 |
| File Closed For Incompleteness | 2 | $134,000 | $67,000 | $113,000 | $57,000 | $62,000 |
| 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 2007 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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