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 Cash Out Refi and Home Purchase loans. Bluff View Bank has a high proportion of conventional loans. Their top markets by origination volume include: La Crosse, Eau Claire, Wisconsin Rapids, Menomonie, and Stevens Point among others. We have data for 8 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

    145

    Origination Dollar Volume (All Markets)

    $29,775,000

    Employee count

    25

    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 $14,055,000 $209,776 $0 0.00%
    Outside of Metro Areas 69 $13,115,000 $190,072 $0 0.00%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $1,000,000 $500,000 $0 0.00%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 3 $475,000 $158,333 $0 0.00%
    Menomonie, WI (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
    Stevens Point, WI (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
    Platteville, WI (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    APPLETON, WI (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    Bluff View Bank's top markets include La Crosse, Eau Claire, Wisconsin Rapids, Menomonie, and Stevens Point 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 145 $29,775,000 $205,345 $0 0.00%

    For 2021, Bluff View Bank's most frequently originated type of loan was Conventional, with 145 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 57 $11,975,000 $210,088 $0 0.00%
    Home Purchase 55 $12,165,000 $221,182 $0 0.00%
    Refi 30 $5,540,000 $184,667 $0 0.00%
    Other 2 $60,000 $30,000 $0 0.00%
    Home Improvement 1 $35,000 $35,000 $0 0.00%

    For 2021, Bluff View Bank's most frequently cited loan purpose was Cash Out Refi, with 57 originations. The 2nd most popular reason was Home Purchase, with 55 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 145 $29,775,000 $205,345 $0 0.00%

    For 2021, Bluff View Bank's most frequently cited loan duration was Other, with 145 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 63 $9,365,000 $148,651 $0 0.00%
    $200k-400k 57 $15,155,000 $265,877 $0 0.00%
    $100,000 or less 17 $1,165,000 $68,529 $0 0.00%
    $400k-600k 7 $3,405,000 $486,429 $0 0.00%
    $600k-1MM 1 $685,000 $685,000 $0 0.00%

    2021 saw Bluff View Bank place emphasis on $100k-200k loans with 63 originations, totaling $9,365,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 38 $7,560,000 $198,947 $0 0.00%
    $50k-75k 31 $4,855,000 $156,613 $0 0.00%
    $150k-250k 28 $7,180,000 $256,429 $0 0.00%
    $75k-100k 23 $4,625,000 $201,087 $0 0.00%
    $250k+ 10 $2,930,000 $293,000 $0 0.00%
    $50k or less 10 $1,150,000 $115,000 $0 0.00%

    Bluff View Bank lent most frequently to those with incomes in the $100k-150k range, with 38 originations. The second most popular income band? $50k-75k, with 31 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 145 $29,775,000 $205,345 $0 0.00%

    Bluff View Bank lent most frequently to those with DTI ratios of Exempt%, with 145 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 143 $28,985,000 $202,692 $0 0.00%
    Not applicable 2 $790,000 $395,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    96.71%

    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
    98.62%

    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 145 $29,775,000 $205,345

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    145 $29,775,000 $205,345

    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 $63,053
    Bluff View Bank 1749 Spakenburg Rd Holmen, WI 54636 Full Service B&M $24,455
    Bluff View Bank 24480 East Third Street Trempealeau, WI 54661 Full Service B&M $14,120

    For 2021, Bluff View Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,517
    Net interest income $4,203
    Total noninterest income $2,028
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $131
    Trading account gains and fees $0
    Additional Noninterest Income $1,897
    Pre-tax net operating income $2,103
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,944
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,944
    Minority interest net income $0
    Net income $1,944
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,944

    Bluff View Bank's gross interest income from loans was $4,517,000.
    Bluff View Bank's net interest income from loans was $4,203,000.
    Bluff View Bank's fee based income from loans was $131,000.
    Bluff View Bank's net income from loans was $1,944,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $314
    Provision for credit losses $0
    Total noninterest expense $4,128
    Salaries and employee benefits $2,418
    Premises and equipment expense $394
    Additional noninterest expense $1,316
    Applicable income taxes $159
    Net charge-offs $-3
    Cash dividends $1,333

    Bluff View Bank's interest expense for loans was $314,000.
    Bluff View Bank's payroll and benefits expense were $2,418,000.
    Bluff View Bank's property, plant and equipment expenses $394,000.

    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 $105,816
    Deposits held in domestic offices $105,816
    Deposits by Individuals, partnerships, and corporations $97,009
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $8,807
    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 $45,341
    Demand deposits $29,650
    Nontransaction accounts $60,475
    Money market deposit accounts (MMDAs) $21,498
    Other savings deposits (excluding MMDAs) $29,392
    Total time deposits $9,585
    Total time and savings deposits $76,166
    Noninterest-bearing deposits $29,650
    Interest-bearing deposits $76,166
    Retail deposits $105,416
    IRAs and Keogh plan accounts $3,355
    Brokered deposits $1,053
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $130,718
    Cash & Balances due from depository institutions $27,655
    Interest-bearing balances $21,001
    Total securities $21,108
    Federal funds sold & reverse repurchase $316
    Net loans and leases $75,127
    Loan and leases loss allowance $1,143
    Trading account assets $0
    Bank premises and fixed assets $3,224
    Other real estate owned $0
    Goodwill and other intangibles $577
    All other assets $2,711

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $130,718
    Total Liabilities $107,398
    Total deposits $105,816
    Interest-bearing deposits $76,166
    Deposits held in domestic offices $105,816
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $1,000
    Subordinated debt $0
    All other liabilities $582

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $75,127
    Loan and leases loss allowance $1,143
    Total loans and leases (domestic) $76,270
    All real estate loans $60,154
    Real estate loans in domestic offices $60,154
    Construction and development loans $3,477
    Residential 1-4 family construction $2,195
    Other construction, all land development and other land $1,282
    Loans secured by nonfarm nonresidential properties $12,918
    Nonfarm nonresidential secured by owner-occupied properties $10,390
    Commercial real estate & other non-farm, non-residential $2,528
    Multifamily residential real estate $4,170
    1-4 family residential loans $16,644
    Farmland loans $22,945
    Loans held in foreign offices $0
    Farm loans $4,039
    Commercial and industrial loans $8,840
    To non-U.S. addressees $0
    Loans to individuals $2,921
    Credit card loans $480
    Related Plans $70
    Consumer Auto Loans $1,573
    Other loans to individuals $798
    All other loans & leases $316
    Loans to foreign governments and official institutions $0
    Other loans $8
    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 $1,093
    Non 1-4 family restructured loans & leases $1,093
    Total loans and leases (foreign) $0

    Bluff View Bank had $75,127,000 of loans outstanding in 2021. $60,154,000 of loans were in real estate loans. $3,477,000 of loans were in development loans. $4,170,000 of loans were in multifamily mortgage loans. $16,644,000 of loans were in 1-4 family mortgage loans. $4,039,000 of loans were in farm loans. $480,000 of loans were in credit card loans. $1,573,000 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 59 $9,920 $168,136
    Nonfarm, nonresidential loans - <$100k 11 $451 $41,000
    Nonfarm, nonresidential loans - $100-250k 30 $3,441 $114,700
    Nonfarm, nonresidential loans - $250k-1MM 18 $6,028 $334,889
    Commercial & Industrial, US addressed loans - <$1MM 84 $4,301 $51,202
    Commercial & Industrial, US addressed loans - <$100k 58 $1,149 $19,810
    Commercial & Industrial, US addressed loans - $100-250k 15 $1,536 $102,400
    Commercial & Industrial, US addressed loans - $250k-1MM 11 $1,616 $146,909
    Farmland loans - <$1MM 40 $5,619 $140,475
    Farmland loans - <$100k 15 $672 $44,800
    Farmland loans - $100-250k 13 $1,582 $121,692
    Farmland loans - $250k-1MM 12 $3,365 $280,417
    Agriculture operations loans - <$1MM 39 $2,022 $51,846
    Agriculture operations loans - <$100k 26 $474 $18,231
    Agriculture operations loans - $100-250k 9 $695 $77,222
    Agriculture operations loans - $250k-1MM 4 $853 $213,250