Woodtrust Bank Mortgage Lending & HMDA Data, 2021
In 2021, Woodtrust Bank of Wisconsin Rapids, WI reported 276 mortgage applications totaling $82.9 million, down 32% from 2020. The average application was for $300,362, and applicants reported an average income of $106,072. 67% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Wausau, WI (42), Madison, WI (4) and Minneapolis-St. Paul-Bloomington, MN-WI (4) (applications in parentheses).
| Mortgage Company & Address | Woodtrust Bank 181 2nd St S Wisconsin Rapids, WI 54494 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 276 |
| Total Mortgage Loan Application Amount | $82,900,000 |
| Average Mortgage Loan Application Amount | $300,362 |
| Highest Mortgage Loan Application Amount | $9,505,000 |
| Average Applicant Income | $106,072 |
| Highest Applicant Income | $514,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Woodtrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 161 | $ 42,445,000 | $ 263,633 | $ 99,316 |
| Wausau, WI | 42 | $ 14,250,000 | $ 339,285 | $ 122,000 |
| Madison, WI | 4 | $ 1,220,000 | $ 305,000 | $ 187,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 900,000 | $ 225,000 | $ 67,000 |
| Oshkosh-Neenah, WI | 2 | $ 250,000 | $ 125,000 | $ 247,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cleveland-Elyria, OH | 1 | $ 335,000 | $ 335,000 | $ 326,000 |
| Eau Claire, WI | 1 | $ 125,000 | $ 125,000 | $ 339,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 195,000 | $ 195,000 | $ 166,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Punta Gorda, FL | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Racine, WI | 1 | $ 125,000 | $ 125,000 | $ 193,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 455,000 | $ 455,000 | $ 204,000 |
| Tucson, AZ | 1 | $ 9,505,000 | $ 9,505,000 | $ 0 |
Mortgage Loan Application Detail Totals for Woodtrust Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 131 | $36,655,000 | $279,000 | $3,005,000 | $107,000 | $513,000 |
| Refinancing | 77 | $13,245,000 | $172,000 | $1,505,000 | $102,000 | $339,000 |
| Cash-out Refinancing | 51 | $28,485,000 | $558,000 | $9,505,000 | $100,000 | $247,000 |
| Other Purpose | 13 | $4,325,000 | $332,000 | $1,235,000 | $157,000 | $514,000 |
| Home Improvement | 4 | $190,000 | $47,000 | $55,000 | $66,000 | $78,000 |
| Not Applicable | 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 | 197 | $35,325,000 | $179,000 | $1,105,000 | $104,000 | $514,000 |
| Not applicable | 52 | $42,740,000 | $821,000 | $9,505,000 | $0 | $0 |
| Not Provided | 19 | $3,315,000 | $174,000 | $515,000 | $116,000 | $231,000 |
| Hispanic | 3 | $645,000 | $215,000 | $375,000 | $160,000 | $350,000 |
| Black or African American | 2 | $320,000 | $160,000 | $185,000 | $43,000 | $48,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $66,000 | $66,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $49,000 | $49,000 |
| 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) | 276 | $82,900,000 | $300,000 | $9,505,000 | $106,000 | $514,000 |
| 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 | 184 | $59,780,000 | $324,000 | $9,505,000 | $113,000 | $514,000 |
| Preapproval Approved but not Accepted | 41 | $10,195,000 | $248,000 | $1,105,000 | $109,000 | $471,000 |
| Application Approved But Not Accepted | 20 | $2,600,000 | $130,000 | $305,000 | $94,000 | $287,000 |
| Preapproval Denied by Financial Institution | 15 | $2,345,000 | $156,000 | $215,000 | $69,000 | $150,000 |
| Application Denied By Financial Institution | 8 | $6,570,000 | $821,000 | $3,205,000 | $60,000 | $152,000 |
| Application Withdrawn By Applicant | 8 | $1,410,000 | $176,000 | $405,000 | $71,000 | $166,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 276 | $82,900,000 | $300,000 | $9,505,000 | $106,000 | $514,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Woodtrust Bank'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 Woodtrust Bank'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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