Woodtrust Bank Mortgage Rates, Fees & Info
Wisconsin Rapids, WILEI: 5493000JCZ0GMM2WOD15
Tax ID: 39-0720440
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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: Wausau, Stevens Point, Wisconsin Rapids, North Port, and Milwaukee among others. We have data for 9 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
48Origination Dollar Volume (All Markets)
$12,780,000Top 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 |
|---|---|---|---|---|---|
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 10 | $3,270,000 | $327,000 | $0 | 0.00% |
| Stevens Point, WI (FHA|USDA|VA) | 10 | $3,030,000 | $303,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 19 | $2,555,000 | $134,474 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $1,620,000 | $405,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 48 | $12,780,000 | $266,250 | $0 | 0.00% |
For 2024, Woodtrust Bank's most frequently originated type of loan was Conventional, with 48 originations.
Loan Reason
For 2024, Woodtrust Bank's most frequently cited loan purpose was Home Purchase, with 28 originations. The 2nd most popular reason was Other, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 48 | $12,780,000 | $266,250 | $0 | 0.00% |
For 2024, Woodtrust Bank's most frequently cited loan duration was Other, with 48 originations.
Loan Sizing
2024 saw Woodtrust Bank place emphasis on $100,000 or less loans with 14 originations, totaling $760,000 in origination value.
Applicant Income
Woodtrust Bank lent most frequently to those with incomes in the $250k+ range, with 10 originations. The second most popular income band? $75k-100k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 48 | $12,780,000 | $266,250 | $0 | 0.00% |
Woodtrust Bank lent most frequently to those with DTI ratios of Exempt%, with 48 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 35 | $7,645,000 | $218,429 | $0 | 0.00% |
| Not applicable | 13 | $5,135,000 | $395,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications97.44%
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 origination83.33%
Woodtrust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 48 | $12,780,000 | $266,250 |