East Wisconsin Savings Bank Mortgage Rates, Fees & Info

Kaukauna, WI

LEI: 254900FSTRXV05536767

Tax ID: 39-0387690

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    East Wisconsin Savings Bank is a smaller bank specializing in Home Purchase and Refi loans. East Wisconsin Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Green Bay, Oshkosh, Shawano, and Madison among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    East Wisconsin Savings Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    140

    Origination Dollar Volume (All Markets)

    $19,680,000

    Employee count

    52

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    APPLETON, WI (FHA|USDA|VA) 99 $14,495,000 $146,414 $0 0.00%
    GREEN BAY, WI (FHA|USDA|VA) 8 $1,520,000 $190,000 $0 0.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 16 $1,390,000 $86,875 $0 0.00%
    Shawano, WI (FHA|USDA|VA) 4 $630,000 $157,500 $0 0.00%
    Outside of Metro Areas 8 $580,000 $72,500 $0 0.00%
    MADISON, WI (FHA|USDA|VA) 2 $320,000 $160,000 $0 0.00%
    Stevens Point, WI (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
    Marinette, WI-MI (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
    East Wisconsin Savings Bank's top markets include Appleton, Green Bay, Oshkosh, Shawano, and Madison among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 140 $19,680,000 $140,571 $0 0.00%

    For 2018, East Wisconsin Savings Bank's most frequently originated type of loan was Conventional, with 140 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 71 $12,045,000 $169,648 $0 0.00%
    Refi 52 $6,280,000 $120,769 $0 0.00%
    Other 8 $530,000 $66,250 $0 0.00%
    Home Improvement 7 $395,000 $56,429 $0 0.00%
    Cash Out Refi 2 $430,000 $215,000 $0 0.00%

    For 2018, East Wisconsin Savings Bank's most frequently cited loan purpose was Home Purchase, with 71 originations. The 2nd most popular reason was Refi, with 52 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 140 $19,680,000 $140,571 $0 0.00%

    For 2018, East Wisconsin Savings Bank's most frequently cited loan duration was Other, with 140 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 55 $3,475,000 $63,182 $0 0.00%
    $100k-200k 53 $7,335,000 $138,396 $0 0.00%
    $200k-400k 30 $7,810,000 $260,333 $0 0.00%
    $400k-600k 2 $1,060,000 $530,000 $0 0.00%

    2018 saw East Wisconsin Savings Bank place emphasis on $100,000 or less loans with 55 originations, totaling $3,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 35 $3,625,000 $103,571 $0 0.00%
    $100k-150k 34 $6,060,000 $178,235 $0 0.00%
    $50k or less 22 $1,870,000 $85,000 $0 0.00%
    $75k-100k 21 $3,105,000 $147,857 $0 0.00%
    $150k-250k 13 $3,025,000 $232,692 $0 0.00%
    $250k+ 1 $185,000 $185,000 $0 0.00%

    East Wisconsin Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 35 originations. The second most popular income band? $100k-150k, with 34 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 140 $19,680,000 $140,571 $0 0.00%

    East Wisconsin Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 140 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 126 $17,800,000 $141,270 $0 0.00%
    Not applicable 13 $1,675,000 $128,846 $0 0.00%
    Black 1 $205,000 $205,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    98.66%

    East Wisconsin Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    77.86%

    East Wisconsin Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 140 $19,680,000 $140,571

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $680,000 $340,000
    Single Family (1-4 Units):Site-Built 138 $19,000,000 $137,681

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    EAST WEST BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    EAST WEST BANK Conventional home mortgage Struggling to pay mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    East Wisconsin Savings Bank 109 West Second Street Kaukauna, WI 54130 Full Service B&M $69,608
    East Wisconsin Savings Bank 1805 E Main St Little Chute, WI 54140 Full Service B&M $22,472
    East Wisconsin Savings Bank 220 W Kimberly Ave Kimberly, WI 54136 Full Service B&M $22,226
    East Wisconsin Savings Bank 501 E Wisconsin Ave Appleton, WI 54911 Full Service B&M $41,033
    East Wisconsin Savings Bank N3947 Columbia Avenue Kaukauna, WI 54130 Full Service B&M $19,847
    East Wisconsin Savings Bank W6318 Wisconsin Avenue, Suite #4 Greenville, WI 54942 Full Service B&M $9,167

    For 2018, East Wisconsin Savings Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,838
    Net interest income $6,454
    Total noninterest income $556
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $76
    Trading account gains and fees $0
    Additional Noninterest Income $480
    Pre-tax net operating income $582
    Securities gains (or losses, -) $6
    Income before extraordinary items $499
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $499
    Minority interest net income $0
    Net income $499
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $493

    East Wisconsin Savings Bank's gross interest income from loans was $8,838,000.
    East Wisconsin Savings Bank's net interest income from loans was $6,454,000.
    East Wisconsin Savings Bank's fee based income from loans was $76,000.
    East Wisconsin Savings Bank's net income from loans was $499,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,384
    Provision for credit losses $0
    Total noninterest expense $6,428
    Salaries and employee benefits $3,729
    Premises and equipment expense $774
    Additional noninterest expense $1,925
    Applicable income taxes $89
    Net charge-offs $21
    Cash dividends $0

    East Wisconsin Savings Bank's interest expense for loans was $2,384,000.
    East Wisconsin Savings Bank's payroll and benefits expense were $3,729,000.
    East Wisconsin Savings Bank's property, plant and equipment expenses $774,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 2.2%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $183,082
    Deposits held in domestic offices $183,082
    Deposits by Individuals, partnerships, and corporations $180,241
    Deposits by U.S. Government $6
    Deposits by States and political subdivisions in the U.S. $2,835
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $30,392
    Demand deposits $5,379
    Nontransaction accounts $152,690
    Money market deposit accounts (MMDAs) $46,657
    Other savings deposits (excluding MMDAs) $21,799
    Total time deposits $84,234
    Total time and savings deposits $177,703
    Noninterest-bearing deposits $7,275
    Interest-bearing deposits $175,807
    Retail deposits $172,731
    IRAs and Keogh plan accounts $19,084
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $250,503
    Cash & Balances due from depository institutions $14,793
    Interest-bearing balances $12,920
    Total securities $42,477
    Federal funds sold & reverse repurchase $0
    Net loans and leases $179,715
    Loan and leases loss allowance $918
    Trading account assets $0
    Bank premises and fixed assets $3,712
    Other real estate owned $0
    Goodwill and other intangibles $426
    All other assets $9,380

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $250,503
    Total Liabilities $229,675
    Total deposits $183,082
    Interest-bearing deposits $175,807
    Deposits held in domestic offices $183,082
    % insured (estimated) $93
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $45,242
    Subordinated debt $0
    All other liabilities $1,351

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $179,715
    Loan and leases loss allowance $918
    Total loans and leases (domestic) $180,633
    All real estate loans $122,394
    Real estate loans in domestic offices $122,394
    Construction and development loans $3,196
    Residential 1-4 family construction $2,077
    Other construction, all land development and other land $1,119
    Loans secured by nonfarm nonresidential properties $4,000
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $4,000
    Multifamily residential real estate $1,255
    1-4 family residential loans $113,725
    Farmland loans $218
    Loans held in foreign offices $0
    Farm loans $390
    Commercial and industrial loans $85
    To non-U.S. addressees $0
    Loans to individuals $57,764
    Credit card loans $89
    Related Plans $0
    Consumer Auto Loans $732
    Other loans to individuals $56,943
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $85
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,102
    Non 1-4 family restructured loans & leases $253
    Total loans and leases (foreign) $0

    East Wisconsin Savings Bank had $179,715,000 of loans outstanding in 2018. $122,394,000 of loans were in real estate loans. $3,196,000 of loans were in development loans. $1,255,000 of loans were in multifamily mortgage loans. $113,725,000 of loans were in 1-4 family mortgage loans. $390,000 of loans were in farm loans. $89,000 of loans were in credit card loans. $732,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 20 $2,727 $136,350
    Nonfarm, nonresidential loans - <$100k 10 $372 $37,200
    Nonfarm, nonresidential loans - $100-250k 5 $537 $107,400
    Nonfarm, nonresidential loans - $250k-1MM 5 $1,818 $363,600
    Commercial & Industrial, US addressed loans - <$1MM 1 $85 $85,000
    Commercial & Industrial, US addressed loans - <$100k 1 $85 $85,000
    Farmland loans - <$1MM 2 $218 $109,000
    Farmland loans - <$100k 1 $71 $71,000
    Farmland loans - $100-250k 1 $147 $147,000
    Agriculture operations loans - <$1MM 17 $390 $22,941
    Agriculture operations loans - <$100k 17 $390 $22,941