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, Wisconsin Rapids, Stevens Point, Cape Coral, and Appleton among others. We have data for 14 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
71Origination Dollar Volume (All Markets)
$31,175,000Top 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) | 8 | $14,520,000 | $1,815,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 37 | $6,435,000 | $173,919 | $0 | 0.00% |
| Stevens Point, WI (FHA|USDA|VA) | 8 | $3,780,000 | $472,500 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $2,815,000 | $402,143 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $0 | 0.00% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 0.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 71 | $31,175,000 | $439,085 | $0 | 0.00% |
For 2022, Woodtrust Bank's most frequently originated type of loan was Conventional, with 71 originations.
Loan Reason
For 2022, Woodtrust Bank's most frequently cited loan purpose was Home Purchase, with 51 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 | 71 | $31,175,000 | $439,085 | $0 | 0.00% |
For 2022, Woodtrust Bank's most frequently cited loan duration was Other, with 71 originations.
Loan Sizing
2022 saw Woodtrust Bank place emphasis on $100k-200k loans with 26 originations, totaling $3,700,000 in origination value.
Applicant Income
Woodtrust Bank lent most frequently to those with incomes in the $50k-75k range, with 14 originations. The second most popular income band? $50k or less, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 71 | $31,175,000 | $439,085 | $0 | 0.00% |
Woodtrust Bank lent most frequently to those with DTI ratios of Exempt%, with 71 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.53%
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 origination88.73%
Woodtrust Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 71 | $31,175,000 | $439,085 |