Woodtrust Bank Mortgage Rates, Fees & Info
Wisconsin Rapids, WILEI: 5493000JCZ0GMM2WOD15
Tax ID: 39-0720440
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Woodtrust Bank is a smaller bank specializing in Home Purchase loans. Woodtrust Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Diego, Wisconsin Rapids, Wausau, Naples, and Stevens Point among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Woodtrust 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.
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Originations
44Origination Dollar Volume (All Markets)
$17,450,000Top 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 |
|---|---|---|---|---|---|
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $4,765,000 | $4,765,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 20 | $3,090,000 | $154,500 | $0 | 0.00% |
| Outside of Metro Areas | 5 | $1,985,000 | $397,000 | $0 | 0.00% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 0.00% |
| Stevens Point, WI (FHA|USDA|VA) | 6 | $1,530,000 | $255,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 0.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $0 | 0.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 44 | $17,450,000 | $396,591 | $0 | 0.00% |
For 2023, Woodtrust Bank's most frequently originated type of loan was Conventional, with 44 originations.
Loan Reason
For 2023, Woodtrust Bank's most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Home Improvement, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 44 | $17,450,000 | $396,591 | $0 | 0.00% |
For 2023, Woodtrust Bank's most frequently cited loan duration was Other, with 44 originations.
Loan Sizing
2023 saw Woodtrust Bank place emphasis on $100,000 or less loans with 15 originations, totaling $785,000 in origination value.
Applicant Income
Woodtrust Bank lent most frequently to those with incomes in the $250k+ range, with 8 originations. The second most popular income band? $50k-75k, with 7 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 44 | $17,450,000 | $396,591 | $0 | 0.00% |
Woodtrust Bank lent most frequently to those with DTI ratios of Exempt%, with 44 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.59%
Woodtrust 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 origination84.09%
Woodtrust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 44 | $17,450,000 | $396,591 |