Baraboo State Bank Mortgage Rates, Fees & Info

Baraboo, WI

LEI: 54930065PWY9N8KCRQ96

Tax ID: 39-0148750

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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)

    • Review & Overview

    Baraboo State Bank is a smaller bank specializing in Home Purchase and Refi loans. Baraboo State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Baraboo, Madison, Chicago, Beaver Dam, and Whitewater among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Baraboo State Bank has an average approval rate when compared to the average across all lenders. They have a below 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

    101

    Origination Dollar Volume (All Markets)

    $31,345,000

    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
    Baraboo, WI (FHA|USDA|VA) 61 $16,185,000 $265,328 $0 0.00%
    MADISON, WI (FHA|USDA|VA) 20 $7,300,000 $365,000 $0 0.00%
    Outside of Metro Areas 14 $6,680,000 $477,143 $0 0.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
    Beaver Dam, WI (FHA|USDA|VA) 2 $330,000 $165,000 $0 0.00%
    Whitewater, WI (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Baraboo State Bank's top markets include Baraboo, Madison, Chicago, Beaver Dam, and Whitewater among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 101 $31,345,000 $310,347 $0 0.00%

    For 2022, Baraboo State Bank's most frequently originated type of loan was Conventional, with 101 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 53 $19,995,000 $377,264 $0 0.00%
    Refi 25 $7,785,000 $311,400 $0 0.00%
    Cash Out Refi 11 $2,485,000 $225,909 $0 0.00%
    Other 9 $1,005,000 $111,667 $0 0.00%
    Home Improvement 3 $75,000 $25,000 $0 0.00%

    For 2022, Baraboo State Bank's most frequently cited loan purpose was Home Purchase, with 53 originations. The 2nd most popular reason was Refi, with 25 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 101 $31,345,000 $310,347 $0 0.00%

    For 2022, Baraboo State Bank's most frequently cited loan duration was Other, with 101 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 39 $5,795,000 $148,590 $0 0.00%
    $100,000 or less 28 $1,770,000 $63,214 $0 0.00%
    $200k-400k 24 $6,740,000 $280,833 $0 0.00%
    $1MM+ 4 $13,900,000 $3,475,000 $0 0.00%
    $400k-600k 4 $1,890,000 $472,500 $0 0.00%
    $600k-1MM 2 $1,250,000 $625,000 $0 0.00%

    2022 saw Baraboo State Bank place emphasis on $100k-200k loans with 39 originations, totaling $5,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 19 $2,615,000 $137,632 $0 0.00%
    $100k-150k 18 $3,600,000 $200,000 $0 0.00%
    $75k-100k 18 $2,870,000 $159,444 $0 0.00%
    $150k-250k 14 $4,010,000 $286,429 $0 0.00%
    $50k or less 8 $700,000 $87,500 $0 0.00%
    $250k+ 4 $1,320,000 $330,000 $0 0.00%

    Baraboo State Bank lent most frequently to those with incomes in the $50k-75k range, with 19 originations. The second most popular income band? $100k-150k, with 18 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 101 $31,345,000 $310,347 $0 0.00%

    Baraboo State Bank lent most frequently to those with DTI ratios of Exempt%, with 101 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 15 $15,645,000 $1,043,000 $0 0.00%
    White 83 $14,265,000 $171,867 $0 0.00%
    Not provided 3 $1,435,000 $478,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.79%

    Baraboo State Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.27%

    Baraboo State Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 101 $31,345,000 $310,347

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    101 $31,345,000 $310,347