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 Refi and Home Purchase loans. East Wisconsin Savings Bank has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Oshkosh, Green Bay, Shawano, and Manitowoc 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

    223

    Origination Dollar Volume (All Markets)

    $32,095,000

    Employee count

    51

    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) 167 $24,025,000 $143,862 $0 0.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 30 $4,600,000 $153,333 $0 0.00%
    Outside of Metro Areas 12 $1,510,000 $125,833 $0 0.00%
    GREEN BAY, WI (FHA|USDA|VA) 6 $790,000 $131,667 $0 0.00%
    Shawano, WI (FHA|USDA|VA) 4 $420,000 $105,000 $0 0.00%
    Manitowoc, WI (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
    Beaver Dam, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Marinette, WI-MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
    East Wisconsin Savings Bank's top markets include Appleton, Oshkosh, Green Bay, Shawano, and Manitowoc among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 223 $32,095,000 $143,924 $0 0.00%

    For 2019, East Wisconsin Savings Bank's most frequently originated type of loan was Conventional, with 223 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 97 $15,995,000 $164,897 $0 0.00%
    Home Purchase 79 $12,505,000 $158,291 $0 0.00%
    Other 21 $1,225,000 $58,333 $0 0.00%
    Home Improvement 13 $355,000 $27,308 $0 0.00%
    Cash Out Refi 13 $2,015,000 $155,000 $0 0.00%

    For 2019, East Wisconsin Savings Bank's most frequently cited loan purpose was Refi, with 97 originations. The 2nd most popular reason was Home Purchase, with 79 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 223 $32,095,000 $143,924 $0 0.00%

    For 2019, East Wisconsin Savings Bank's most frequently cited loan duration was Other, with 223 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 103 $14,465,000 $140,437 $0 0.00%
    $100,000 or less 79 $4,575,000 $57,911 $0 0.00%
    $200k-400k 32 $8,370,000 $261,563 $0 0.00%
    $400k-600k 7 $3,105,000 $443,571 $0 0.00%
    $600k-1MM 2 $1,580,000 $790,000 $0 0.00%

    2019 saw East Wisconsin Savings Bank place emphasis on $100k-200k loans with 103 originations, totaling $14,465,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 55 $6,415,000 $116,636 $0 0.00%
    $100k-150k 47 $7,645,000 $162,660 $0 0.00%
    $75k-100k 40 $4,710,000 $117,750 $0 0.00%
    $50k or less 38 $3,590,000 $94,474 $0 0.00%
    $150k-250k 23 $5,505,000 $239,348 $0 0.00%
    $250k+ 7 $1,515,000 $216,429 $0 0.00%

    East Wisconsin Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 55 originations. The second most popular income band? $100k-150k, with 47 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 223 $32,095,000 $143,924 $0 0.00%

    East Wisconsin Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 223 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 210 $29,400,000 $140,000 $0 0.00%
    Not applicable 11 $2,465,000 $224,091 $0 0.00%
    American Indian 1 $165,000 $165,000 $0 0.00%
    Asian 1 $65,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.56%

    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
    82.96%

    East Wisconsin Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 223 $32,095,000 $143,924

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $1,595,000 $531,667
    Single Family (1-4 Units):Manufactured 1 $135,000 $135,000
    Single Family (1-4 Units):Site-Built 219 $30,365,000 $138,653

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    EAST WEST BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 25.0%
    EAST WEST BANK Conventional home mortgage Closing on a mortgage 3 37.5%
    EAST WEST BANK Conventional home mortgage Struggling to pay mortgage 1 12.5%
    EAST WEST BANK Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 12.5%
    EAST WEST BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 12.5%

    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 $73,596
    East Wisconsin Savings Bank 1501 North Casaloma Dr Appleton, WI 54913 Full Service B&M $10,472
    East Wisconsin Savings Bank 1805 E Main St Little Chute, WI 54140 Full Service B&M $23,020
    East Wisconsin Savings Bank 220 W Kimberly Ave Kimberly, WI 54136 Full Service B&M $22,957
    East Wisconsin Savings Bank 501 E Wisconsin Ave Appleton, WI 54911 Full Service B&M $42,346
    East Wisconsin Savings Bank N3947 Columbia Avenue Kaukauna, WI 54130 Full Service B&M $20,948

    For 2019, East Wisconsin Savings Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,933
    Net interest income $6,142
    Total noninterest income $739
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $66
    Trading account gains and fees $0
    Additional Noninterest Income $673
    Pre-tax net operating income $351
    Securities gains (or losses, -) $104
    Income before extraordinary items $383
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $383
    Minority interest net income $0
    Net income $383
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $295

    East Wisconsin Savings Bank's gross interest income from loans was $8,933,000.
    East Wisconsin Savings Bank's net interest income from loans was $6,142,000.
    East Wisconsin Savings Bank's fee based income from loans was $66,000.
    East Wisconsin Savings Bank's net income from loans was $383,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,791
    Provision for credit losses $0
    Total noninterest expense $6,530
    Salaries and employee benefits $3,743
    Premises and equipment expense $820
    Additional noninterest expense $1,967
    Applicable income taxes $72
    Net charge-offs $32
    Cash dividends $0

    East Wisconsin Savings Bank's interest expense for loans was $2,791,000.
    East Wisconsin Savings Bank's payroll and benefits expense were $3,743,000.
    East Wisconsin Savings Bank's property, plant and equipment expenses $820,000.

    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 0.0%
    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 $197,364
    Deposits held in domestic offices $197,364
    Deposits by Individuals, partnerships, and corporations $195,469
    Deposits by U.S. Government $47
    Deposits by States and political subdivisions in the U.S. $1,848
    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 $30,989
    Demand deposits $4,758
    Nontransaction accounts $166,375
    Money market deposit accounts (MMDAs) $54,863
    Other savings deposits (excluding MMDAs) $23,626
    Total time deposits $87,886
    Total time and savings deposits $192,606
    Noninterest-bearing deposits $6,817
    Interest-bearing deposits $190,547
    Retail deposits $187,796
    IRAs and Keogh plan accounts $19,153
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $241,323
    Cash & Balances due from depository institutions $19,710
    Interest-bearing balances $14,902
    Total securities $23,258
    Federal funds sold & reverse repurchase $0
    Net loans and leases $186,366
    Loan and leases loss allowance $886
    Trading account assets $0
    Bank premises and fixed assets $3,461
    Other real estate owned $0
    Goodwill and other intangibles $447
    All other assets $8,081

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $241,323
    Total Liabilities $218,718
    Total deposits $197,364
    Interest-bearing deposits $190,547
    Deposits held in domestic offices $197,364
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,076
    Subordinated debt $0
    All other liabilities $1,278

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $186,366
    Loan and leases loss allowance $886
    Total loans and leases (domestic) $187,252
    All real estate loans $130,343
    Real estate loans in domestic offices $130,343
    Construction and development loans $2,182
    Residential 1-4 family construction $1,595
    Other construction, all land development and other land $587
    Loans secured by nonfarm nonresidential properties $4,562
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $4,562
    Multifamily residential real estate $1,707
    1-4 family residential loans $121,827
    Farmland loans $65
    Loans held in foreign offices $0
    Farm loans $508
    Commercial and industrial loans $82
    To non-U.S. addressees $0
    Loans to individuals $56,319
    Credit card loans $90
    Related Plans $0
    Consumer Auto Loans $1,325
    Other loans to individuals $54,904
    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 $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $862
    Non 1-4 family restructured loans & leases $224
    Total loans and leases (foreign) $0

    East Wisconsin Savings Bank had $186,366,000 of loans outstanding in 2019. $130,343,000 of loans were in real estate loans. $2,182,000 of loans were in development loans. $1,707,000 of loans were in multifamily mortgage loans. $121,827,000 of loans were in 1-4 family mortgage loans. $508,000 of loans were in farm loans. $90,000 of loans were in credit card loans. $1,325,000 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 21 $3,330 $158,571
    Nonfarm, nonresidential loans - <$100k 8 $227 $28,375
    Nonfarm, nonresidential loans - $100-250k 6 $706 $117,667
    Nonfarm, nonresidential loans - $250k-1MM 7 $2,397 $342,429
    Commercial & Industrial, US addressed loans - <$1MM 2 $82 $41,000
    Commercial & Industrial, US addressed loans - <$100k 2 $82 $41,000
    Farmland loans - <$1MM 1 $65 $65,000
    Farmland loans - <$100k 1 $65 $65,000
    Agriculture operations loans - <$1MM 23 $508 $22,087
    Agriculture operations loans - <$100k 23 $508 $22,087