Wisconsin Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Wisconsin Bank & Trust of Madison, WI reported 473 mortgage applications totaling $72.8 million, down 17% from 2004. The average application was for $153,928, and applicants reported an average income of $83,194. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Madison, WI (314), Janesville, WI (6) and Chicago-Naperville-Joliet, IL (3) (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 | 473 |
| Total Mortgage Loan Application Amount | $72,808,000 |
| Average Mortgage Loan Application Amount | $153,928 |
| Highest Mortgage Loan Application Amount | $952,000 |
| Average Applicant Income | $83,194 |
| Highest Applicant Income | $1,584,000 |
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(HMDA) records Wisconsin Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Wisconsin Bank & Trust in 2005
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 | 241 | $39,987,000 | $145,000 | $952,000 | $240,333 | $1,584,000 |
| Home Purchase | 214 | $32,401,000 | $143,200 | $700,000 | $105,600 | $500,000 |
| Home Improvement | 18 | $420,000 | $17,500 | $80,000 | $99,000 | $153,000 |
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 | 432 | $65,341,000 | $147,833 | $952,000 | $188,500 | $1,584,000 |
| Not applicable | 14 | $2,532,000 | $270,000 | $700,000 | $0 | $0 |
| Asian | 13 | $2,543,000 | $195,000 | $344,000 | $82,000 | $140,000 |
| Black or African American | 7 | $1,108,000 | $113,500 | $365,000 | $100,000 | $142,000 |
| Not Provided | 4 | $762,000 | $190,000 | $672,000 | $95,000 | $300,000 |
| Hispanic | 3 | $522,000 | $174,000 | $200,000 | $69,000 | $84,000 |
| 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) | 473 | $72,808,000 | $138,714 | $952,000 | $178,857 | $1,584,000 |
| 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 | 385 | $59,170,000 | $139,571 | $952,000 | $179,000 | $1,584,000 |
| Application Approved But Not Accepted | 34 | $5,085,000 | $120,500 | $672,000 | $71,000 | $316,000 |
| Application Denied By Financial Institution | 25 | $2,728,000 | $109,000 | $365,000 | $52,000 | $99,000 |
| Application Withdrawn By Applicant | 16 | $3,399,000 | $212,000 | $350,000 | $108,000 | $240,000 |
| File Closed For Incompleteness | 13 | $2,426,000 | $186,000 | $560,000 | $61,000 | $92,000 |
| 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 2005 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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