Bluff View Bank Mortgage Rates, Fees & Info

Galesville, WI

LEI: 254900MY1ZANX8HECH55

Tax ID: 39-0147720

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Bluff View Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Bluff View Bank has a high proportion of conventional loans. Their top markets by origination volume include: La Crosse, Winona, Eau Claire, Stevens Point, and Appleton among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bluff View Bank has an above average approval rate when compared to the average across all lenders. They have an above 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

    132

    Origination Dollar Volume (All Markets)

    $25,940,000

    Employee count

    24

    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
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 67 $12,715,000 $189,776 $0 0.00%
    Outside of Metro Areas 60 $12,130,000 $202,167 $0 0.00%
    Winona, MN (FHA|USDA|VA) 2 $470,000 $235,000 $0 0.00%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
    Stevens Point, WI (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
    APPLETON, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
    Bluff View Bank's top markets include La Crosse, Winona, Eau Claire, Stevens Point, and Appleton among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 132 $25,940,000 $196,515 $0 0.00%

    For 2019, Bluff View Bank's most frequently originated type of loan was Conventional, with 132 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 54 $12,110,000 $224,259 $0 0.00%
    Refi 34 $6,660,000 $195,882 $0 0.00%
    Cash Out Refi 31 $6,285,000 $202,742 $0 0.00%
    Other 9 $745,000 $82,778 $0 0.00%
    Home Improvement 4 $140,000 $35,000 $0 0.00%

    For 2019, Bluff View Bank's most frequently cited loan purpose was Home Purchase, with 54 originations. The 2nd most popular reason was Refi, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 132 $25,940,000 $196,515 $0 0.00%

    For 2019, Bluff View Bank's most frequently cited loan duration was Other, with 132 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 53 $7,735,000 $145,943 $0 0.00%
    $200k-400k 46 $13,290,000 $288,913 $0 0.00%
    $100,000 or less 30 $1,610,000 $53,667 $0 0.00%
    $400k-600k 2 $920,000 $460,000 $0 0.00%
    $1MM+ 1 $2,385,000 $2,385,000 $0 0.00%

    2019 saw Bluff View Bank place emphasis on $100k-200k loans with 53 originations, totaling $7,735,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 33 $5,665,000 $171,667 $0 0.00%
    $100k-150k 32 $6,170,000 $192,813 $0 0.00%
    $150k-250k 22 $4,840,000 $220,000 $0 0.00%
    $50k-75k 18 $2,380,000 $132,222 $0 0.00%
    $50k or less 9 $865,000 $96,111 $0 0.00%
    $250k+ 6 $1,270,000 $211,667 $0 0.00%

    Bluff View Bank lent most frequently to those with incomes in the $75k-100k range, with 33 originations. The second most popular income band? $100k-150k, with 32 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 132 $25,940,000 $196,515 $0 0.00%

    Bluff View Bank lent most frequently to those with DTI ratios of Exempt%, with 132 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 125 $22,315,000 $178,520 $0 0.00%
    Not applicable 7 $3,625,000 $517,857 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.08%

    Bluff View 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
    99.24%

    Bluff View Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 132 $25,940,000 $196,515

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $2,385,000 $2,385,000
    Single Family (1-4 Units):Manufactured 2 $70,000 $35,000
    Single Family (1-4 Units):Site-Built 129 $23,485,000 $182,054

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bluff View Bank 16893 South Main Street Galesville, WI 54630 Full Service B&M $53,848
    Bluff View Bank 2200 Staphorst Lane Holmen, WI 54636 Full Service B&M $13,990
    Bluff View Bank 24480 East Third Street Trempealeau, WI 54661 Full Service B&M $11,064

    For 2019, Bluff View Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,917
    Net interest income $4,193
    Total noninterest income $1,497
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $158
    Trading account gains and fees $0
    Additional Noninterest Income $1,339
    Pre-tax net operating income $1,975
    Securities gains (or losses, -) $11
    Income before extraordinary items $1,882
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,882
    Minority interest net income $0
    Net income $1,882
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,871

    Bluff View Bank's gross interest income from loans was $4,917,000.
    Bluff View Bank's net interest income from loans was $4,193,000.
    Bluff View Bank's fee based income from loans was $158,000.
    Bluff View Bank's net income from loans was $1,882,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $724
    Provision for credit losses $0
    Total noninterest expense $3,715
    Salaries and employee benefits $2,167
    Premises and equipment expense $305
    Additional noninterest expense $1,243
    Applicable income taxes $104
    Net charge-offs $80
    Cash dividends $999

    Bluff View Bank's interest expense for loans was $724,000.
    Bluff View Bank's payroll and benefits expense were $2,167,000.
    Bluff View Bank's property, plant and equipment expenses $305,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    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 $82,249
    Deposits held in domestic offices $82,249
    Deposits by Individuals, partnerships, and corporations $73,105
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $8,719
    Deposits by Commercial banks and other depository institutions in U.S. $425
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $33,431
    Demand deposits $20,748
    Nontransaction accounts $48,818
    Money market deposit accounts (MMDAs) $15,235
    Other savings deposits (excluding MMDAs) $16,874
    Total time deposits $16,709
    Total time and savings deposits $61,501
    Noninterest-bearing deposits $20,748
    Interest-bearing deposits $61,501
    Retail deposits $80,306
    IRAs and Keogh plan accounts $2,921
    Brokered deposits $877
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $107,274
    Cash & Balances due from depository institutions $5,899
    Interest-bearing balances $2,439
    Total securities $12,511
    Federal funds sold & reverse repurchase $1,571
    Net loans and leases $82,754
    Loan and leases loss allowance $1,137
    Trading account assets $0
    Bank premises and fixed assets $1,766
    Other real estate owned $0
    Goodwill and other intangibles $355
    All other assets $2,418

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $107,274
    Total Liabilities $86,917
    Total deposits $82,249
    Interest-bearing deposits $61,501
    Deposits held in domestic offices $82,249
    % insured (estimated) $89
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,100
    Subordinated debt $0
    All other liabilities $568

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $82,754
    Loan and leases loss allowance $1,137
    Total loans and leases (domestic) $83,891
    All real estate loans $66,555
    Real estate loans in domestic offices $66,555
    Construction and development loans $6,199
    Residential 1-4 family construction $3,529
    Other construction, all land development and other land $2,670
    Loans secured by nonfarm nonresidential properties $13,141
    Nonfarm nonresidential secured by owner-occupied properties $9,877
    Commercial real estate & other non-farm, non-residential $3,264
    Multifamily residential real estate $3,600
    1-4 family residential loans $21,565
    Farmland loans $22,050
    Loans held in foreign offices $0
    Farm loans $7,681
    Commercial and industrial loans $6,089
    To non-U.S. addressees $0
    Loans to individuals $2,808
    Credit card loans $520
    Related Plans $86
    Consumer Auto Loans $1,545
    Other loans to individuals $657
    All other loans & leases $758
    Loans to foreign governments and official institutions $0
    Other loans $41
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Bluff View Bank had $82,754,000 of loans outstanding in 2019. $66,555,000 of loans were in real estate loans. $6,199,000 of loans were in development loans. $3,600,000 of loans were in multifamily mortgage loans. $21,565,000 of loans were in 1-4 family mortgage loans. $7,681,000 of loans were in farm loans. $520,000 of loans were in credit card loans. $1,545,000 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 72 $13,141 $182,514
    Nonfarm, nonresidential loans - <$100k 20 $842 $42,100
    Nonfarm, nonresidential loans - $100-250k 31 $3,684 $118,839
    Nonfarm, nonresidential loans - $250k-1MM 21 $8,615 $410,238
    Commercial & Industrial, US addressed loans - <$1MM 93 $5,208 $56,000
    Commercial & Industrial, US addressed loans - <$100k 70 $1,247 $17,814
    Commercial & Industrial, US addressed loans - $100-250k 10 $970 $97,000
    Commercial & Industrial, US addressed loans - $250k-1MM 13 $2,991 $230,077
    Farmland loans - <$1MM 48 $6,386 $133,042
    Farmland loans - <$100k 18 $629 $34,944
    Farmland loans - $100-250k 16 $1,905 $119,063
    Farmland loans - $250k-1MM 14 $3,852 $275,143
    Agriculture operations loans - <$1MM 47 $2,666 $56,723
    Agriculture operations loans - <$100k 30 $721 $24,033
    Agriculture operations loans - $100-250k 14 $1,485 $106,071
    Agriculture operations loans - $250k-1MM 3 $460 $153,333