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 Refi and Cash Out Refi loans. The Bank Of Kaukauna has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Oshkosh, Green Bay, Milwaukee, and Shawano among others. We have data for 16 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    279

    Origination Dollar Volume (All Markets)

    $57,425,000

    Employee count

    33

    Awards

    The Bank of Kaukauna 30 Year Conventional Loans gold The Bank of Kaukauna 30 Year Conventional Loans gold The Bank of Kaukauna 30 Year Conventional Loans gold The Bank of Kaukauna 30 Year Conventional Loans gold
    Show all (4) 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) 179 $36,295,000 $202,765 $1,191 2.60%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 30 $5,590,000 $186,333 $1,212 2.69%
    GREEN BAY, WI (FHA|USDA|VA) 28 $5,050,000 $180,357 $1,222 2.40%
    Outside of Metro Areas 17 $4,365,000 $256,765 $1,505 2.29%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,730,000 $288,333 $1,459 2.58%
    Shawano, WI (FHA|USDA|VA) 5 $925,000 $185,000 $1,116 2.35%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $750,000 $375,000 $1,917 2.94%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $515,000 $515,000 $1,802 2.75%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $480,000 $240,000 $1,532 3.31%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $395,000 $395,000 $1,553 2.88%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $390,000 $195,000 $1,508 2.75%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $300,000 $150,000 $1,412 2.25%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $265,000 $265,000 $958 2.13%
    Marinette, WI-MI (FHA|USDA|VA) 1 $145,000 $145,000 $1,333 2.38%
    Beaver Dam, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,454 2.63%
    Escanaba, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,310 2.88%
    The Bank Of Kaukauna's top markets include Appleton, Oshkosh, Green Bay, Milwaukee, and Shawano among others.

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

    Hometown Bank
    Similarity Rank: 96
    The Bank of Kaukauna
    Similarity Rank: 112
    CAPITAL Credit Union
    Similarity Rank: 294
    Fox Valley Savings Bank
    Similarity Rank: 322
    UNISON CREDIT UNION
    Similarity Rank: 371
    FOX COMMUNITIES
    Similarity Rank: 741
    VERVE, A CREDIT UNION
    Similarity Rank: 875
    University of Wisconsin Credit Union
    Similarity Rank: 1008
    North Shore Bank FSB
    Similarity Rank: 1320
    National Exchange Bank and Trust
    Similarity Rank: 1400

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 279 $57,425,000 $205,824 $1,237 2.57%

    For 2020, The Bank Of Kaukauna's most frequently originated type of loan was Conventional, with 279 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 171 $35,135,000 $205,468 $1,182 2.47%
    Cash Out Refi 81 $16,985,000 $209,691 $1,220 2.60%
    Home Purchase 27 $5,305,000 $196,481 $1,680 3.14%

    For 2020, The Bank Of Kaukauna's most frequently cited loan purpose was Refi, with 171 originations. The 2nd most popular reason was Cash Out Refi, with 81 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 126 $25,120,000 $199,365 $1,229 2.22%
    30 Year 85 $19,745,000 $232,294 $1,296 2.86%
    20 Year 42 $8,720,000 $207,619 $1,210 2.55%
    10 Year 16 $2,950,000 $184,375 $1,188 2.43%
    Other 6 $480,000 $80,000 $789 5.04%
    3 Year 2 $240,000 $120,000 $0 4.50%
    5 Year 2 $170,000 $85,000 $0 4.75%

    For 2020, The Bank Of Kaukauna's most frequently cited loan duration was 15 Year, with 126 originations. The 2nd most popular length was 30 Year, with 85 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 273 $56,775,000 $207,967
    $1k-2k 1 $215,000 $215,000

    The Bank Of Kaukauna's average total fees were $1,296, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 273 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 179 $35,535,000 $198,520
    2.5-3% 71 $16,715,000 $235,423
    3-4% 17 $4,025,000 $236,765
    4-5% 8 $960,000 $120,000
    5-6% 4 $190,000 $47,500

    During 2020, The Bank Of Kaukauna's average interest rate for loans was 2.86%, while their most frequently originated rate bucket for loans was <2.5%, with 179 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 117 $17,505,000 $149,615 $1,201 2.46%
    $200k-400k 113 $30,975,000 $274,115 $1,277 2.56%
    $100,000 or less 35 $2,585,000 $73,857 $1,148 3.00%
    $400k-600k 14 $6,360,000 $454,286 $1,399 2.50%

    2020 saw The Bank Of Kaukauna place emphasis on $100k-200k loans with 117 originations, totaling $17,505,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 75 $15,365,000 $204,867 $1,196 2.56%
    $75k-100k 59 $11,855,000 $200,932 $1,261 2.48%
    $150k-250k 48 $13,210,000 $275,208 $1,241 2.38%
    $50k-75k 47 $7,485,000 $159,255 $1,241 2.55%
    $50k or less 21 $2,535,000 $120,714 $1,307 2.69%
    $250k+ 10 $3,560,000 $356,000 $1,396 2.48%

    The Bank Of Kaukauna lent most frequently to those with incomes in the $100k-150k range, with 75 originations. The second most popular income band? $75k-100k, with 59 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 104 $21,510,000 $206,827 $1,219 2.45%
    30-36% 50 $11,430,000 $228,600 $1,353 2.64%
    <20% 46 $8,290,000 $180,217 $1,201 2.38%
    42% 11 $2,115,000 $192,273 $1,153 3.03%
    38% 8 $1,890,000 $236,250 $1,073 2.41%
    40% 8 $1,780,000 $222,500 $1,451 2.64%
    41% 7 $1,345,000 $192,143 $1,311 2.98%
    37% 6 $1,270,000 $211,667 $1,127 2.54%
    39% 6 $1,440,000 $240,000 $1,207 2.44%
    44% 5 $1,045,000 $209,000 $1,161 2.53%
    36% 5 $1,395,000 $279,000 $1,233 2.40%
    47% 4 $700,000 $175,000 $1,399 2.47%
    45% 3 $575,000 $191,667 $817 3.54%
    46% 3 $1,025,000 $341,667 $1,436 2.33%
    43% 3 $485,000 $161,667 $1,301 2.38%
    49% 2 $260,000 $130,000 $1,089 2.38%
    50-60% 2 $190,000 $95,000 $803 3.81%
    48% 1 $245,000 $245,000 $1,077 2.50%

    The Bank Of Kaukauna lent most frequently to those with DTI ratios of 20-30%, with 104 originations. The next most common DTI ratio? 30-36%, with 50 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 261 $53,965,000 $206,762 $1,230 2.55%
    Not provided 11 $2,525,000 $229,545 $1,265 2.32%
    Asian 2 $500,000 $250,000 $1,873 2.50%
    Not applicable 5 $435,000 $87,000 $0 4.55%

    Approval Rates

    Total approvals of all applications
    91.74%

    The Bank Of Kaukauna has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.89%

    The Bank Of Kaukauna has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 279 $57,425,000 $205,824

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $85,000 $85,000
    Single Family (1-4 Units):Site-Built 278 $57,340,000 $206,259

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $3,675,000 $147,000 $1,310 2.42%
    40-60% 82 $15,180,000 $185,122 $1,214 2.34%
    60-80% 140 $32,330,000 $230,929 $1,220 2.62%
    80-100% 26 $5,970,000 $229,615 $1,446 2.87%
    Under 20% 5 $225,000 $45,000 $843 3.68%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    TD BANK US HOLDING COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 22 14.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Closing on a mortgage 17 11.5%
    TD BANK US HOLDING COMPANY Conventional home mortgage Credit monitoring or identity theft protection services 1 0.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Improper use of your report 1 0.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Incorrect information on your report 1 0.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Struggling to pay mortgage 4 2.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Trouble during payment process 51 34.5%
    TD BANK US HOLDING COMPANY FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.4%
    TD BANK US HOLDING COMPANY FHA mortgage Trouble during payment process 3 2.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 5 3.4%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Closing on a mortgage 7 4.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Incorrect information on your report 1 0.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Struggling to pay mortgage 4 2.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Trouble during payment process 17 11.5%
    TD BANK US HOLDING COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.4%
    TD BANK US HOLDING COMPANY Other type of mortgage Closing on a mortgage 2 1.4%
    TD BANK US HOLDING COMPANY Other type of mortgage Trouble during payment process 8 5.4%

    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 $98,463

    For 2020, The Bank Of Kaukauna had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,289
    Net interest income $3,866
    Total noninterest income $3,886
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $10
    Trading account gains and fees $0
    Additional Noninterest Income $3,876
    Pre-tax net operating income $2,207
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,207
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,207
    Minority interest net income $187
    Net income $2,020
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,207

    The Bank Of Kaukauna's gross interest income from loans was $4,289,000.
    The Bank Of Kaukauna's net interest income from loans was $3,866,000.
    The Bank Of Kaukauna's fee based income from loans was $10,000.
    The Bank Of Kaukauna's net income from loans was $2,020,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $423
    Provision for credit losses $-200
    Total noninterest expense $5,745
    Salaries and employee benefits $3,490
    Premises and equipment expense $403
    Additional noninterest expense $1,852
    Applicable income taxes $0
    Net charge-offs $-14
    Cash dividends $1,179

    The Bank Of Kaukauna's interest expense for loans was $423,000.
    The Bank Of Kaukauna's payroll and benefits expense were $3,490,000.
    The Bank Of Kaukauna's property, plant and equipment expenses $403,000.

    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 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    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 $109,918
    Deposits held in domestic offices $109,918
    Deposits by Individuals, partnerships, and corporations $81,975
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $27,844
    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 $45,991
    Demand deposits $26,365
    Nontransaction accounts $63,927
    Money market deposit accounts (MMDAs) $26,680
    Other savings deposits (excluding MMDAs) $21,535
    Total time deposits $15,712
    Total time and savings deposits $83,553
    Noninterest-bearing deposits $26,365
    Interest-bearing deposits $83,553
    Retail deposits $101,342
    IRAs and Keogh plan accounts $3,198
    Brokered deposits $6,091
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $126,579
    Cash & Balances due from depository institutions $18,725
    Interest-bearing balances $4,168
    Total securities $3,894
    Federal funds sold & reverse repurchase $8,436
    Net loans and leases $90,537
    Loan and leases loss allowance $693
    Trading account assets $0
    Bank premises and fixed assets $1,518
    Other real estate owned $508
    Goodwill and other intangibles $774
    All other assets $2,187

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $126,579
    Total Liabilities $115,053
    Total deposits $109,918
    Interest-bearing deposits $83,553
    Deposits held in domestic offices $109,918
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,000
    Subordinated debt $0
    All other liabilities $1,135

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $90,537
    Loan and leases loss allowance $693
    Total loans and leases (domestic) $91,230
    All real estate loans $56,300
    Real estate loans in domestic offices $56,300
    Construction and development loans $5,456
    Residential 1-4 family construction $329
    Other construction, all land development and other land $5,127
    Loans secured by nonfarm nonresidential properties $39,606
    Nonfarm nonresidential secured by owner-occupied properties $21,035
    Commercial real estate & other non-farm, non-residential $18,571
    Multifamily residential real estate $0
    1-4 family residential loans $11,238
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $33,232
    To non-U.S. addressees $0
    Loans to individuals $1,562
    Credit card loans $35
    Related Plans $0
    Consumer Auto Loans $38
    Other loans to individuals $1,489
    All other loans & leases $136
    Loans to foreign governments and official institutions $0
    Other loans $136
    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 $2,412
    Non 1-4 family restructured loans & leases $1,324
    Total loans and leases (foreign) $0

    The Bank of Kaukauna had $90,537,000 of loans outstanding in 2020. $56,300,000 of loans were in real estate loans. $5,456,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $11,238,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $35,000 of loans were in credit card loans. $38,000 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 60 $15,144 $252,400
    Nonfarm, nonresidential loans - <$100k 12 $718 $59,833
    Nonfarm, nonresidential loans - $100-250k 24 $3,466 $144,417
    Nonfarm, nonresidential loans - $250k-1MM 24 $10,960 $456,667
    Commercial & Industrial, US addressed loans - <$1MM 238 $24,800 $104,202
    Commercial & Industrial, US addressed loans - <$100k 160 $5,313 $33,206
    Commercial & Industrial, US addressed loans - $100-250k 34 $4,233 $124,500
    Commercial & Industrial, US addressed loans - $250k-1MM 44 $15,254 $346,682