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, Fond Du Lac, and Milwaukee among others. We have data for 11 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

    293

    Origination Dollar Volume (All Markets)

    $45,875,000

    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) 210 $32,230,000 $153,476 $0 0.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 44 $6,760,000 $153,636 $0 0.00%
    Outside of Metro Areas 15 $2,285,000 $152,333 $0 0.00%
    GREEN BAY, WI (FHA|USDA|VA) 9 $1,275,000 $141,667 $0 0.00%
    FOND DU LAC, WI (FHA|USDA|VA) 3 $1,145,000 $381,667 $0 0.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $870,000 $217,500 $0 0.00%
    Manitowoc, WI (FHA|USDA|VA) 2 $370,000 $185,000 $0 0.00%
    MADISON, WI (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Shawano, WI (FHA|USDA|VA) 3 $165,000 $55,000 $0 0.00%
    East Wisconsin Savings Bank's top markets include Appleton, Oshkosh, Green Bay, Fond Du Lac, and Milwaukee among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 293 $45,875,000 $156,570 $0 0.00%

    For 2021, East Wisconsin Savings Bank's most frequently originated type of loan was Conventional, with 293 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 145 $20,945,000 $144,448 $0 0.00%
    Home Purchase 78 $14,950,000 $191,667 $0 0.00%
    Cash Out Refi 58 $8,840,000 $152,414 $0 0.00%
    Other 11 $1,105,000 $100,455 $0 0.00%
    Home Improvement 1 $35,000 $35,000 $0 0.00%

    For 2021, East Wisconsin Savings Bank's most frequently cited loan purpose was Refi, with 145 originations. The 2nd most popular reason was Home Purchase, with 78 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 293 $45,875,000 $156,570 $0 0.00%

    For 2021, East Wisconsin Savings Bank's most frequently cited loan duration was Other, with 293 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 131 $18,395,000 $140,420 $0 0.00%
    $100,000 or less 86 $6,070,000 $70,581 $0 0.00%
    $200k-400k 71 $18,825,000 $265,141 $0 0.00%
    $400k-600k 4 $1,880,000 $470,000 $0 0.00%
    $600k-1MM 1 $705,000 $705,000 $0 0.00%

    2021 saw East Wisconsin Savings Bank place emphasis on $100k-200k loans with 131 originations, totaling $18,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 72 $9,630,000 $133,750 $0 0.00%
    $100k-150k 66 $12,780,000 $193,636 $0 0.00%
    $75k-100k 57 $9,145,000 $160,439 $0 0.00%
    $50k or less 47 $5,345,000 $113,723 $0 0.00%
    $250k+ 22 $2,920,000 $132,727 $0 0.00%
    $150k-250k 18 $4,560,000 $253,333 $0 0.00%

    East Wisconsin Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 72 originations. The second most popular income band? $100k-150k, with 66 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 293 $45,875,000 $156,570 $0 0.00%

    East Wisconsin Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 293 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 273 $43,665,000 $159,945 $0 0.00%
    Not applicable 11 $1,495,000 $135,909 $0 0.00%
    Not provided 8 $610,000 $76,250 $0 0.00%
    American Indian 1 $105,000 $105,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    95.58%

    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
    84.64%

    East Wisconsin Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 293 $45,875,000 $156,570

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    293 $45,875,000 $156,570

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    EAST WEST BANK Conventional home mortgage Closing on a mortgage 1 33.3%
    EAST WEST BANK Conventional home mortgage Struggling to pay mortgage 1 33.3%
    EAST WEST BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 33.3%

    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 $94,772
    East Wisconsin Savings Bank 1501 North Casaloma Dr Appleton, WI 54913 Full Service B&M $24,334
    East Wisconsin Savings Bank 1805 E Main St Little Chute, WI 54140 Full Service B&M $28,048
    East Wisconsin Savings Bank 220 W Kimberly Ave Kimberly, WI 54136 Full Service B&M $26,224
    East Wisconsin Savings Bank 501 E Wisconsin Ave Appleton, WI 54911 Full Service B&M $48,082
    East Wisconsin Savings Bank N3947 Columbia Avenue Kaukauna, WI 54130 Full Service B&M $30,717

    For 2021, East Wisconsin Savings Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $8,102
    Net interest income $6,047
    Total noninterest income $1,781
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $42
    Trading account gains and fees $0
    Additional Noninterest Income $1,739
    Pre-tax net operating income $537
    Securities gains (or losses, -) $753
    Income before extraordinary items $991
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $991
    Minority interest net income $0
    Net income $991
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $396

    East Wisconsin Savings Bank's gross interest income from loans was $8,102,000.
    East Wisconsin Savings Bank's net interest income from loans was $6,047,000.
    East Wisconsin Savings Bank's fee based income from loans was $42,000.
    East Wisconsin Savings Bank's net income from loans was $991,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,055
    Provision for credit losses $0
    Total noninterest expense $7,291
    Salaries and employee benefits $4,426
    Premises and equipment expense $789
    Additional noninterest expense $2,076
    Applicable income taxes $299
    Net charge-offs $50
    Cash dividends $0

    East Wisconsin Savings Bank's interest expense for loans was $2,055,000.
    East Wisconsin Savings Bank's payroll and benefits expense were $4,426,000.
    East Wisconsin Savings Bank's property, plant and equipment expenses $789,000.

    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 4.0%
    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 $257,987
    Deposits held in domestic offices $257,987
    Deposits by Individuals, partnerships, and corporations $245,887
    Deposits by U.S. Government $53
    Deposits by States and political subdivisions in the U.S. $11,799
    Deposits by Commercial banks and other depository institutions in U.S. $248
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $46,693
    Demand deposits $8,973
    Nontransaction accounts $211,294
    Money market deposit accounts (MMDAs) $70,818
    Other savings deposits (excluding MMDAs) $34,275
    Total time deposits $106,201
    Total time and savings deposits $249,014
    Noninterest-bearing deposits $10,738
    Interest-bearing deposits $247,249
    Retail deposits $236,830
    IRAs and Keogh plan accounts $19,006
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $291,297
    Cash & Balances due from depository institutions $14,769
    Interest-bearing balances $6,886
    Total securities $105,520
    Federal funds sold & reverse repurchase $0
    Net loans and leases $157,225
    Loan and leases loss allowance $986
    Trading account assets $0
    Bank premises and fixed assets $3,326
    Other real estate owned $0
    Goodwill and other intangibles $634
    All other assets $9,823

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $291,297
    Total Liabilities $269,230
    Total deposits $257,987
    Interest-bearing deposits $247,249
    Deposits held in domestic offices $257,987
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,000
    Subordinated debt $0
    All other liabilities $1,243

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $157,225
    Loan and leases loss allowance $986
    Total loans and leases (domestic) $158,211
    All real estate loans $117,203
    Real estate loans in domestic offices $117,203
    Construction and development loans $1,433
    Residential 1-4 family construction $1,175
    Other construction, all land development and other land $258
    Loans secured by nonfarm nonresidential properties $3,050
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $3,050
    Multifamily residential real estate $1,973
    1-4 family residential loans $110,693
    Farmland loans $54
    Loans held in foreign offices $0
    Farm loans $327
    Commercial and industrial loans $5,193
    To non-U.S. addressees $0
    Loans to individuals $35,488
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $1,539
    Other loans to individuals $33,949
    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 $5,193
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $96
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    East Wisconsin Savings Bank had $157,225,000 of loans outstanding in 2021. $117,203,000 of loans were in real estate loans. $1,433,000 of loans were in development loans. $1,973,000 of loans were in multifamily mortgage loans. $110,693,000 of loans were in 1-4 family mortgage loans. $327,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,539,000 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 17 $1,906 $112,118
    Nonfarm, nonresidential loans - <$100k 9 $215 $23,889
    Nonfarm, nonresidential loans - $100-250k 5 $602 $120,400
    Nonfarm, nonresidential loans - $250k-1MM 3 $1,089 $363,000
    Commercial & Industrial, US addressed loans - <$1MM 57 $5,193 $91,105
    Commercial & Industrial, US addressed loans - <$100k 33 $1,695 $51,364
    Commercial & Industrial, US addressed loans - $100-250k 23 $3,254 $141,478
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $244 $244,000
    Farmland loans - <$1MM 1 $54 $54,000
    Farmland loans - <$100k 1 $54 $54,000
    Agriculture operations loans - <$1MM 16 $327 $20,438
    Agriculture operations loans - <$100k 16 $327 $20,438