Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Wisconsin Bank & Trust of Madison, WI reported 424 mortgage applications totaling $117.6 million, up 56% from 2014. The average application was for $277,259, and applicants reported an average income of $109,271. 48% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Madison, WI (147), Sheboygan, WI (101) and Milwaukee-Waukesha-West Allis, WI (31) (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 | 424 |
| Total Mortgage Loan Application Amount | $117,558,000 |
| Average Mortgage Loan Application Amount | $277,259 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $109,271 |
| Highest Applicant Income | $3,120,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 147 | $ 36,936,000 | $ 251,265 | $ 159,000 |
| Sheboygan, WI | 101 | $ 11,837,000 | $ 117,198 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 31 | $ 13,704,000 | $ 442,064 | $ 66,000 |
| Appleton, WI | 29 | $ 6,316,000 | $ 217,793 | $ 68,000 |
| Janesville-Beloit, WI | 9 | $ 1,748,000 | $ 194,222 | $ 25,000 |
| Fond Du Lac, WI | 5 | $ 565,000 | $ 113,000 | $ 81,000 |
| Oshkosh-Neenah, WI | 3 | $ 5,293,000 | $ 1,764,333 | $ 0 |
| Dubuque, IA | 2 | $ 2,150,000 | $ 1,075,000 | $ 34,000 |
| Green Bay, WI | 2 | $ 318,000 | $ 159,000 | $ 255,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 372,000 | $ 372,000 | $ 191,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 530,000 | $ 530,000 | $ 182,000 |
| Dallas-Plano-Irving, TX | 1 | $ 417,000 | $ 417,000 | $ 246,000 |
| Des Moines-West Des Moines, IA | 1 | $ 12,000,000 | $ 12,000,000 | $ 0 |
| Eau Claire, WI | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 496,000 | $ 496,000 | $ 144,000 |
| Racine, WI | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Rochester, MN | 1 | $ 325,000 | $ 325,000 | $ 164,000 |
| Rockford, IL | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Sebring, FL | 1 | $ 78,000 | $ 78,000 | $ 185,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 778,000 | $ 778,000 | $ 338,000 |
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2015
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 | 237 | $72,509,000 | $305,000 | $2,563,000 | $108,000 | $3,013,000 |
| Home Purchase | 134 | $43,356,000 | $323,000 | $12,000,000 | $114,000 | $3,120,000 |
| Home Improvement | 53 | $1,693,000 | $31,000 | $213,000 | $103,000 | $608,000 |
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 | 303 | $53,990,000 | $178,000 | $2,075,000 | $140,000 | $3,120,000 |
| Not applicable | 68 | $57,627,000 | $847,000 | $12,000,000 | $0 | $0 |
| Not Provided | 26 | $3,140,000 | $120,000 | $417,000 | $103,000 | $465,000 |
| Asian | 15 | $1,528,000 | $101,000 | $297,000 | $59,000 | $145,000 |
| Hispanic | 9 | $809,000 | $89,000 | $182,000 | $51,000 | $84,000 |
| Black or African American | 2 | $110,000 | $55,000 | $90,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $354,000 | $354,000 | $354,000 | $149,000 | $149,000 |
| 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) | 351 | $92,638,000 | $263,000 | $12,000,000 | $114,000 | $3,120,000 |
| FHA-insured (Federal Housing Administration) | 40 | $5,695,000 | $142,000 | $256,000 | $47,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $18,410,000 | $681,000 | $2,240,000 | $156,000 | $1,250,000 |
| VA-guaranteed (Veterans Administration) | 6 | $815,000 | $135,000 | $165,000 | $51,000 | $109,000 |
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 | 202 | $68,402,000 | $338,000 | $9,000,000 | $120,000 | $3,013,000 |
| Application Withdrawn By Applicant | 118 | $30,190,000 | $255,000 | $12,000,000 | $113,000 | $3,120,000 |
| File Closed For Incompleteness | 55 | $9,069,000 | $164,000 | $463,000 | $71,000 | $218,000 |
| Application Denied By Financial Institution | 34 | $7,989,000 | $234,000 | $2,240,000 | $98,000 | $1,250,000 |
| Application Approved But Not Accepted | 14 | $1,629,000 | $116,000 | $760,000 | $118,000 | $608,000 |
| Loan Purchased By The Institution | 1 | $279,000 | $279,000 | $279,000 | $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 2015 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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