Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Wisconsin Bank & Trust of Madison, WI reported 509 mortgage applications totaling $84.8 million, up 15% from 2007. The average application was for $166,675, and applicants reported an average income of $102,856. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Madison, WI (335), Janesville, WI (13) and Green Bay, WI (10) (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 | 509 |
| Total Mortgage Loan Application Amount | $84,838,000 |
| Average Mortgage Loan Application Amount | $166,675 |
| Highest Mortgage Loan Application Amount | $1,373,000 |
| Average Applicant Income | $102,856 |
| Highest Applicant Income | $1,328,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 335 | $ 60,114,000 | $ 179,444 | $ 98,000 |
| Janesville, WI | 13 | $ 2,570,000 | $ 197,692 | $ 100,000 |
| Green Bay, WI | 10 | $ 2,146,000 | $ 214,600 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 596,000 | $ 198,666 | $ 129,000 |
| Oshkosh-Neenah, WI | 3 | $ 753,000 | $ 251,000 | $ 97,000 |
| Appleton, WI | 2 | $ 338,000 | $ 169,000 | $ 34,000 |
| Asheville, NC | 1 | $ 305,000 | $ 305,000 | $ 197,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 238,000 | $ 238,000 | $ 100,000 |
| Fond Du Lac, WI | 1 | $ 104,000 | $ 104,000 | $ 47,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 362,000 | $ 362,000 | $ 179,000 |
| Rockford, IL | 1 | $ 132,000 | $ 132,000 | $ 59,000 |
| Sheboygan, WI | 1 | $ 10,000 | $ 10,000 | $ 116,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 210,000 | $ 210,000 | $ 0 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2008
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 | 298 | $53,437,000 | $179,000 | $1,373,000 | $109,000 | $1,328,000 |
| Home Purchase | 179 | $29,039,000 | $162,000 | $417,000 | $96,000 | $540,000 |
| Home Improvement | 32 | $2,362,000 | $73,000 | $666,000 | $84,000 | $244,000 |
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 | 460 | $75,340,000 | $163,000 | $757,000 | $103,000 | $1,328,000 |
| Not Provided | 24 | $3,394,000 | $141,000 | $274,000 | $109,000 | $307,000 |
| Asian | 9 | $1,984,000 | $220,000 | $417,000 | $151,000 | $226,000 |
| Black or African American | 7 | $1,047,000 | $149,000 | $293,000 | $87,000 | $147,000 |
| Not applicable | 5 | $2,545,000 | $509,000 | $1,373,000 | $0 | $0 |
| Hispanic | 4 | $528,000 | $132,000 | $251,000 | $76,000 | $101,000 |
| 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) | 507 | $84,338,000 | $166,000 | $1,373,000 | $102,000 | $1,328,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $500,000 | $250,000 | $400,000 | $318,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 409 | $70,540,000 | $172,000 | $1,373,000 | $104,000 | $1,328,000 |
| Application Approved But Not Accepted | 55 | $8,023,000 | $145,000 | $350,000 | $101,000 | $504,000 |
| Application Denied By Financial Institution | 24 | $1,916,000 | $79,000 | $352,000 | $75,000 | $233,000 |
| Application Withdrawn By Applicant | 20 | $4,204,000 | $210,000 | $435,000 | $135,000 | $769,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $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 |
|---|---|---|---|---|---|---|
| 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 2008 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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