Wisconsin Bank & Trust Mortgage Rates, Fees & Info
Madison, WILEI: 5493007RSKYSDHRL7N78
Tax ID: 39-0226090
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Wisconsin Bank & Trust is a smaller bank specializing in Refi and Home Purchase loans. Wisconsin Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Madison, Sheboygan, Boulder, Milwaukee, and Watertown among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)Wisconsin Bank & Trust has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Wisconsin Bank & Trust is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
110Origination Dollar Volume (All Markets)
$20,200,000Top 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 |
|---|---|---|---|---|---|
| MADISON, WI (FHA|USDA|VA) | 40 | $7,770,000 | $194,250 | $982 | 3.90% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 32 | $2,920,000 | $91,250 | $731 | 4.80% |
| Outside of Metro Areas | 3 | $2,485,000 | $828,333 | $5,433 | 5.73% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $11,459 | 5.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 11 | $1,405,000 | $127,727 | $709 | 4.81% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $1,735 | 4.71% |
| DUBUQUE, IA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 5.39% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 6.50% |
| Platteville, WI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $23 | 3.95% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $558 | 4.15% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,848 | 4.42% |
| APPLETON, WI (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $333 | 5.01% |
| Manitowoc, WI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $413 | 5.28% |
| RACINE, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $558 | 4.42% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $634 | 2.90% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $963 | 5.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,073 | 4.62% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $903 | 4.42% |
| Freeport, IL (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $236 | 4.66% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wisconsin Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 156
Similarity Rank: 323
Similarity Rank: 338
Similarity Rank: 390
Similarity Rank: 403
Similarity Rank: 414
Similarity Rank: 418
Similarity Rank: 484
Similarity Rank: 559
Similarity Rank: 611
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 110 | $20,200,000 | $183,636 | $1,075 | 4.50% |
For 2022, Wisconsin Bank & Trust's most frequently originated type of loan was Conventional, with 110 originations.
Loan Reason
For 2022, Wisconsin Bank & Trust's most frequently cited loan purpose was Refi, with 69 originations. The 2nd most popular reason was Home Purchase, with 16 originations.
Loan Duration/Length
For 2022, Wisconsin Bank & Trust's most frequently cited loan duration was 15 Year, with 61 originations. The 2nd most popular length was 5 Year, with 20 originations.
Origination Fees/Closing Costs
Wisconsin Bank & Trust's average total fees were $11,459, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 77 originations.
Interest Rates
During 2022, Wisconsin Bank & Trust's average interest rate for loans was 5.75%, while their most frequently originated rate bucket for loans was 4-5%, with 39 originations.
Loan Sizing
2022 saw Wisconsin Bank & Trust place emphasis on $100,000 or less loans with 53 originations, totaling $3,045,000 in origination value.
Applicant Income
Wisconsin Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 26 originations. The second most popular income band? $50k-75k, with 21 originations.
Applicant Debt to Income Ratio
Wisconsin Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 24 originations. The next most common DTI ratio? <20%, with 18 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications69.71%
Wisconsin Bank & Trust has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination89.09%
Wisconsin Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 110 | $20,200,000 | $183,636 |