The Bank Of Kaukauna Mortgage Rates, Fees & Info

Kaukauna, WI

LEI: 549300VGTHKRGXF7GQ17

Tax ID: 39-0147810

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
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The Bank Of Kaukauna is a smaller bank specializing in Home Purchase and Refi loans. The Bank Of Kaukauna has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Oshkosh, Shawano, Chicago, and Milwaukee among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Bank Of Kaukauna 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. The Bank Of Kaukauna is typically a low 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.

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    Originations

    79

    Origination Dollar Volume (All Markets)

    $13,885,000

    Employee count

    37

    Awards

    The Bank of Kaukauna 30 Year Conventional Loans silver The Bank of Kaukauna 30 Year Conventional Loans gold
    Show all (2) awards

    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
    APPLETON, WI (FHA|USDA|VA) 59 $10,255,000 $173,814 $1,258 4.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 7 $1,255,000 $179,286 $1,359 4.57%
    Outside of Metro Areas 4 $750,000 $187,500 $1,361 3.91%
    Shawano, WI (FHA|USDA|VA) 3 $575,000 $191,667 $1,353 3.21%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $405,000 $405,000 $4,318 4.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $325,000 $325,000 $1,006 4.00%
    GREEN BAY, WI (FHA|USDA|VA) 4 $320,000 $80,000 $1,318 3.78%
    The Bank Of Kaukauna's top markets include Appleton, Oshkosh, Shawano, Chicago, and Milwaukee among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Bank of Kaukauna based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PROSPERA Credit Union
    Similarity Rank: 35
    FOX COMMUNITIES
    Similarity Rank: 90
    The Bank of Kaukauna
    Similarity Rank: 119
    UNISON CREDIT UNION
    Similarity Rank: 152
    CAPITAL Credit Union
    Similarity Rank: 208
    North Shore Bank FSB
    Similarity Rank: 483
    VERVE, A CREDIT UNION
    Similarity Rank: 630
    University of Wisconsin Credit Union
    Similarity Rank: 702
    National Exchange Bank and Trust
    Similarity Rank: 714
    Community First Credit Union
    Similarity Rank: 728

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 79 $13,885,000 $175,759 $1,317 4.00%

    For 2019, The Bank Of Kaukauna's most frequently originated type of loan was Conventional, with 79 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 35 $6,285,000 $179,571 $1,531 4.38%
    Refi 32 $5,900,000 $184,375 $1,180 3.48%
    Cash Out Refi 11 $1,615,000 $146,818 $1,179 4.35%
    Home Improvement 1 $85,000 $85,000 $1,206 3.38%

    For 2019, The Bank Of Kaukauna's most frequently cited loan purpose was Home Purchase, with 35 originations. The 2nd most popular reason was Refi, with 32 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 35 $7,095,000 $202,714 $1,488 4.05%
    15 Year 18 $3,130,000 $173,889 $1,224 3.31%
    10 Year 10 $1,520,000 $152,000 $1,204 3.30%
    5 Year 6 $800,000 $133,333 $0 5.46%
    20 Year 5 $855,000 $171,000 $1,155 3.85%
    Other 4 $310,000 $77,500 $723 6.06%
    3 Year 1 $175,000 $175,000 $0 5.79%

    For 2019, The Bank Of Kaukauna's most frequently cited loan duration was 30 Year, with 35 originations. The 2nd most popular length was 15 Year, with 18 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 70 $12,410,000 $177,286
    $1k-2k 2 $500,000 $250,000

    The Bank Of Kaukauna's average total fees were $1,488, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 70 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 53 $10,405,000 $196,321
    4-5% 11 $1,585,000 $144,091
    5-6% 10 $1,200,000 $120,000
    2.5-3% 3 $485,000 $161,667
    6-7% 2 $210,000 $105,000

    During 2019, The Bank Of Kaukauna's average interest rate for loans was 4.05%, while their most frequently originated rate bucket for loans was 3-4%, with 53 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 36 $5,070,000 $140,833 $1,304 4.01%
    $200k-400k 25 $6,975,000 $279,000 $1,360 3.73%
    $100,000 or less 16 $950,000 $59,375 $1,057 4.47%
    $400k-600k 2 $890,000 $445,000 $2,817 3.56%

    2019 saw The Bank Of Kaukauna place emphasis on $100k-200k loans with 36 originations, totaling $5,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 19 $3,935,000 $207,105 $1,356 4.01%
    $75k-100k 14 $2,110,000 $150,714 $1,291 4.14%
    $50k or less 11 $1,185,000 $107,727 $1,258 3.94%
    $150k-250k 9 $2,215,000 $246,111 $1,605 3.57%
    $50k-75k 7 $655,000 $93,571 $1,280 3.70%
    $250k+ 5 $1,215,000 $243,000 $1,210 3.35%

    The Bank Of Kaukauna lent most frequently to those with incomes in the $100k-150k range, with 19 originations. The second most popular income band? $75k-100k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 19 $3,175,000 $167,105 $1,394 3.80%
    30-36% 18 $2,670,000 $148,333 $1,250 4.06%
    <20% 13 $2,395,000 $184,231 $1,227 3.65%
    44% 5 $1,195,000 $239,000 $1,124 4.45%
    50-60% 3 $575,000 $191,667 $1,264 4.25%
    36% 3 $425,000 $141,667 $1,076 3.79%
    39% 3 $485,000 $161,667 $1,287 3.63%
    40% 3 $895,000 $298,333 $1,367 3.75%
    45% 2 $600,000 $300,000 $2,664 3.94%
    43% 1 $145,000 $145,000 $1,300 4.38%
    42% 1 $35,000 $35,000 $1,185 4.00%
    47% 1 $115,000 $115,000 $1,285 3.13%
    48% 1 $375,000 $375,000 $1,209 3.50%
    37% 1 $125,000 $125,000 $1,428 3.88%

    The Bank Of Kaukauna lent most frequently to those with DTI ratios of 20-30%, with 19 originations. The next most common DTI ratio? 30-36%, with 18 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 72 $12,830,000 $178,194 $1,317 3.89%
    Not applicable 5 $675,000 $135,000 $0 5.65%
    Asian 2 $380,000 $190,000 $1,308 3.75%

    Approval Rates

    Total approvals of all applications
    97.83%

    The Bank Of Kaukauna has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    86.08%

    The Bank Of Kaukauna has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 79 $13,885,000 $175,759

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 79 $13,885,000 $175,759

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $945,000 $105,000 $1,029 4.18%
    40-60% 15 $2,245,000 $149,667 $1,237 3.70%
    60-80% 35 $6,905,000 $197,286 $1,420 3.96%
    80-100% 17 $3,645,000 $214,412 $1,443 4.14%
    Under 20% 3 $145,000 $48,333 $874 4.71%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    TD BANK US HOLDING COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 7 6.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Closing on a mortgage 10 9.8%
    TD BANK US HOLDING COMPANY Conventional home mortgage Struggling to pay mortgage 7 6.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Trouble during payment process 34 33.3%
    TD BANK US HOLDING COMPANY FHA mortgage Struggling to pay mortgage 1 1.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 4 3.9%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Closing on a mortgage 4 3.9%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Incorrect information on your report 2 2.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 6.9%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Trouble during payment process 13 12.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.0%
    TD BANK US HOLDING COMPANY Other type of mortgage Incorrect information on your report 2 2.0%
    TD BANK US HOLDING COMPANY Other type of mortgage Struggling to pay mortgage 2 2.0%
    TD BANK US HOLDING COMPANY Other type of mortgage Trouble during payment process 7 6.9%
    TD BANK US HOLDING COMPANY Reverse mortgage Closing on a mortgage 1 1.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Bank of Kaukauna 264 W. Wisconsin Avenue Kaukauna, WI 54130 Full Service B&M $88,350

    For 2019, The Bank Of Kaukauna had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $3,910
    Net interest income $3,096
    Total noninterest income $3,094
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $14
    Trading account gains and fees $0
    Additional Noninterest Income $3,080
    Pre-tax net operating income $1,145
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,145
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,145
    Minority interest net income $265
    Net income $880
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,145

    The Bank Of Kaukauna's gross interest income from loans was $3,910,000.
    The Bank Of Kaukauna's net interest income from loans was $3,096,000.
    The Bank Of Kaukauna's fee based income from loans was $14,000.
    The Bank Of Kaukauna's net income from loans was $880,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $814
    Provision for credit losses $0
    Total noninterest expense $5,045
    Salaries and employee benefits $3,274
    Premises and equipment expense $439
    Additional noninterest expense $1,332
    Applicable income taxes $0
    Net charge-offs $0
    Cash dividends $852

    The Bank Of Kaukauna's interest expense for loans was $814,000.
    The Bank Of Kaukauna's payroll and benefits expense were $3,274,000.
    The Bank Of Kaukauna's property, plant and equipment expenses $439,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 2.4%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $96,416
    Deposits held in domestic offices $96,416
    Deposits by Individuals, partnerships, and corporations $65,575
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $30,742
    Deposits by Commercial banks and other depository institutions in U.S. $99
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $37,498
    Demand deposits $17,343
    Nontransaction accounts $58,918
    Money market deposit accounts (MMDAs) $16,455
    Other savings deposits (excluding MMDAs) $20,873
    Total time deposits $21,590
    Total time and savings deposits $79,073
    Noninterest-bearing deposits $17,343
    Interest-bearing deposits $79,073
    Retail deposits $82,889
    IRAs and Keogh plan accounts $3,374
    Brokered deposits $11,386
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $107,472
    Cash & Balances due from depository institutions $12,200
    Interest-bearing balances $5,133
    Total securities $2,530
    Federal funds sold & reverse repurchase $19,057
    Net loans and leases $69,538
    Loan and leases loss allowance $879
    Trading account assets $0
    Bank premises and fixed assets $1,143
    Other real estate owned $181
    Goodwill and other intangibles $614
    All other assets $2,209

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $107,472
    Total Liabilities $96,977
    Total deposits $96,416
    Interest-bearing deposits $79,073
    Deposits held in domestic offices $96,416
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $561

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $69,538
    Loan and leases loss allowance $879
    Total loans and leases (domestic) $70,417
    All real estate loans $52,778
    Real estate loans in domestic offices $52,778
    Construction and development loans $3,615
    Residential 1-4 family construction $129
    Other construction, all land development and other land $3,486
    Loans secured by nonfarm nonresidential properties $35,864
    Nonfarm nonresidential secured by owner-occupied properties $21,763
    Commercial real estate & other non-farm, non-residential $14,101
    Multifamily residential real estate $0
    1-4 family residential loans $13,299
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $15,817
    To non-U.S. addressees $0
    Loans to individuals $1,807
    Credit card loans $42
    Related Plans $0
    Consumer Auto Loans $45
    Other loans to individuals $1,720
    All other loans & leases $15
    Loans to foreign governments and official institutions $0
    Other loans $15
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,500
    Non 1-4 family restructured loans & leases $1,378
    Total loans and leases (foreign) $0

    The Bank of Kaukauna had $69,538,000 of loans outstanding in 2019. $52,778,000 of loans were in real estate loans. $3,615,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $13,299,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $42,000 of loans were in credit card loans. $45,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 63 $16,483 $261,635
    Nonfarm, nonresidential loans - <$100k 10 $477 $47,700
    Nonfarm, nonresidential loans - $100-250k 25 $3,200 $128,000
    Nonfarm, nonresidential loans - $250k-1MM 28 $12,806 $457,357
    Commercial & Industrial, US addressed loans - <$1MM 123 $13,485 $109,634
    Commercial & Industrial, US addressed loans - <$100k 75 $2,510 $33,467
    Commercial & Industrial, US addressed loans - $100-250k 21 $2,464 $117,333
    Commercial & Industrial, US addressed loans - $250k-1MM 27 $8,511 $315,222