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, Cash Out Refi, and Home Purchase loans. The Bank Of Kaukauna has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Green Bay, Oshkosh, Stevens Point, and Fond Du Lac among others. We have data for 11 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 an above 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

    171

    Origination Dollar Volume (All Markets)

    $31,015,000

    Employee count

    43

    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) 110 $19,650,000 $178,636 $1,438 2.72%
    GREEN BAY, WI (FHA|USDA|VA) 19 $3,685,000 $193,947 $1,282 3.04%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 17 $2,565,000 $150,882 $1,404 2.82%
    Outside of Metro Areas 13 $2,505,000 $192,692 $1,637 2.71%
    Stevens Point, WI (FHA|USDA|VA) 1 $725,000 $725,000 $0 4.15%
    FOND DU LAC, WI (FHA|USDA|VA) 5 $605,000 $121,000 $1,623 3.23%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $545,000 $545,000 $1,709 2.50%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $350,000 $175,000 $1,580 3.31%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,139 2.50%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $115,000 $115,000 $1,528 2.25%
    Shawano, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,162 2.13%
    The Bank Of Kaukauna's top markets include Appleton, Green Bay, Oshkosh, Stevens Point, and Fond Du Lac 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: 80
    Fox Valley Savings Bank
    Similarity Rank: 240
    Wolf River Community Bank
    Similarity Rank: 300
    CAPITAL Credit Union
    Similarity Rank: 315
    National Exchange Bank and Trust
    Similarity Rank: 407
    The Bank of Kaukauna
    Similarity Rank: 484
    UNISON CREDIT UNION
    Similarity Rank: 504
    BLC Community Bank
    Similarity Rank: 555
    FOX COMMUNITIES
    Similarity Rank: 567
    Fortifi Bank
    Similarity Rank: 702

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 171 $31,015,000 $181,374 $1,440 2.79%

    For 2021, The Bank Of Kaukauna's most frequently originated type of loan was Conventional, with 171 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 66 $10,650,000 $161,364 $1,391 2.41%
    Cash Out Refi 66 $12,620,000 $191,212 $1,468 2.66%
    Home Purchase 30 $6,950,000 $231,667 $1,718 3.52%
    Other 8 $750,000 $93,750 $954 4.03%
    Home Improvement 1 $45,000 $45,000 $311 4.50%

    For 2021, The Bank Of Kaukauna's most frequently cited loan purpose was Refi, with 66 originations. The 2nd most popular reason was Cash Out Refi, with 66 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 63 $9,985,000 $158,492 $1,465 2.28%
    30 Year 52 $11,530,000 $221,731 $1,553 3.15%
    20 Year 21 $4,615,000 $219,762 $1,389 2.60%
    10 Year 19 $2,055,000 $108,158 $1,440 2.19%
    Other 9 $745,000 $82,778 $641 4.63%
    5 Year 6 $1,780,000 $296,667 $0 4.33%
    3 Year 1 $305,000 $305,000 $0 5.25%

    For 2021, The Bank Of Kaukauna's most frequently cited loan duration was 15 Year, with 63 originations. The 2nd most popular length was 30 Year, with 52 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 163 $28,765,000 $176,472

    The Bank Of Kaukauna's average total fees were $1,553, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 163 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 91 $14,005,000 $153,901
    2.5-3% 34 $7,800,000 $229,412
    3-4% 30 $6,410,000 $213,667
    4-5% 15 $2,495,000 $166,333
    5-6% 1 $305,000 $305,000

    During 2021, The Bank Of Kaukauna's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was <2.5%, with 91 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 83 $11,685,000 $140,783 $1,472 2.72%
    $200k-400k 46 $11,860,000 $257,826 $1,434 2.72%
    $100,000 or less 32 $2,360,000 $73,750 $1,306 2.91%
    $400k-600k 9 $4,385,000 $487,222 $1,679 3.18%
    $600k-1MM 1 $725,000 $725,000 $0 4.15%

    2021 saw The Bank Of Kaukauna place emphasis on $100k-200k loans with 83 originations, totaling $11,685,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 56 $9,610,000 $171,607 $1,391 2.73%
    $50k-75k 30 $4,270,000 $142,333 $1,476 2.59%
    $75k-100k 28 $5,250,000 $187,500 $1,420 2.62%
    $150k-250k 16 $3,460,000 $216,250 $1,517 2.66%
    $50k or less 15 $1,735,000 $115,667 $1,484 2.81%
    $250k+ 10 $2,790,000 $279,000 $1,591 2.85%

    The Bank Of Kaukauna lent most frequently to those with incomes in the $100k-150k range, with 56 originations. The second most popular income band? $50k-75k, with 30 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 53 $9,255,000 $174,623 $1,442 2.66%
    30-36% 35 $6,775,000 $193,571 $1,453 2.56%
    <20% 29 $3,645,000 $125,690 $1,437 2.67%
    41% 9 $2,115,000 $235,000 $1,236 3.28%
    37% 7 $1,675,000 $239,286 $1,444 3.05%
    42% 5 $705,000 $141,000 $1,688 2.70%
    39% 5 $1,175,000 $235,000 $1,324 2.28%
    40% 5 $985,000 $197,000 $1,660 2.85%
    38% 3 $505,000 $168,333 $1,627 2.96%
    43% 2 $370,000 $185,000 $1,383 2.56%
    36% 2 $370,000 $185,000 $1,375 3.44%
    44% 2 $110,000 $55,000 $1,123 3.38%
    46% 2 $240,000 $120,000 $1,610 3.06%
    50-60% 1 $125,000 $125,000 $1,502 2.25%
    47% 1 $265,000 $265,000 $1,125 2.25%
    48% 1 $115,000 $115,000 $1,537 2.38%
    45% 1 $335,000 $335,000 $1,149 3.00%

    The Bank Of Kaukauna lent most frequently to those with DTI ratios of 20-30%, with 53 originations. The next most common DTI ratio? 30-36%, with 35 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 151 $26,945,000 $178,444 $1,430 2.71%
    Not provided 13 $2,125,000 $163,462 $1,557 2.87%
    Not applicable 7 $1,945,000 $277,857 $0 4.26%

    Approval Rates

    Total approvals of all applications
    94.62%

    The Bank Of Kaukauna has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.81%

    The Bank Of Kaukauna has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 171 $31,015,000 $181,374

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    171 $31,015,000 $181,374

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 31 $3,555,000 $114,677 $1,431 2.43%
    40-60% 36 $4,930,000 $136,944 $1,448 2.31%
    60-80% 77 $17,075,000 $221,753 $1,478 2.90%
    80-100% 20 $4,320,000 $216,000 $1,539 3.23%
    Over 100% 1 $575,000 $575,000 $0 4.25%
    Under 20% 5 $255,000 $51,000 $521 4.15%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    TD BANK US HOLDING COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 24 16.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Closing on a mortgage 13 9.2%
    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 4 2.8%
    TD BANK US HOLDING COMPANY Conventional home mortgage Struggling to pay mortgage 6 4.2%
    TD BANK US HOLDING COMPANY Conventional home mortgage Trouble during payment process 37 26.1%
    TD BANK US HOLDING COMPANY FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.7%
    TD BANK US HOLDING COMPANY FHA mortgage Struggling to pay mortgage 2 1.4%
    TD BANK US HOLDING COMPANY FHA mortgage Trouble during payment process 1 0.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 15 10.6%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Closing on a mortgage 6 4.2%
    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 2 1.4%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Trouble during payment process 11 7.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 4.9%
    TD BANK US HOLDING COMPANY Other type of mortgage Closing on a mortgage 1 0.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Struggling to pay mortgage 1 0.7%
    TD BANK US HOLDING COMPANY Other type of mortgage Trouble during payment process 6 4.2%
    TD BANK US HOLDING COMPANY VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.4%
    TD BANK US HOLDING COMPANY VA mortgage Trouble during payment process 1 0.7%

    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 $103,525

    For 2021, The Bank Of Kaukauna had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $4,150
    Net interest income $3,896
    Total noninterest income $3,268
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $8
    Trading account gains and fees $0
    Additional Noninterest Income $3,260
    Pre-tax net operating income $1,748
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,748
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,748
    Minority interest net income $165
    Net income $1,583
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,748

    The Bank Of Kaukauna's gross interest income from loans was $4,150,000.
    The Bank Of Kaukauna's net interest income from loans was $3,896,000.
    The Bank Of Kaukauna's fee based income from loans was $8,000.
    The Bank Of Kaukauna's net income from loans was $1,583,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $254
    Provision for credit losses $349
    Total noninterest expense $5,067
    Salaries and employee benefits $3,427
    Premises and equipment expense $410
    Additional noninterest expense $1,230
    Applicable income taxes $0
    Net charge-offs $-75
    Cash dividends $1,456

    The Bank Of Kaukauna's interest expense for loans was $254,000.
    The Bank Of Kaukauna's payroll and benefits expense were $3,427,000.
    The Bank Of Kaukauna's property, plant and equipment expenses $410,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    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 $120,838
    Deposits held in domestic offices $120,838
    Deposits by Individuals, partnerships, and corporations $96,111
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $24,727
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $55,985
    Demand deposits $32,400
    Nontransaction accounts $64,853
    Money market deposit accounts (MMDAs) $34,856
    Other savings deposits (excluding MMDAs) $20,785
    Total time deposits $9,212
    Total time and savings deposits $88,438
    Noninterest-bearing deposits $32,400
    Interest-bearing deposits $88,438
    Retail deposits $117,887
    IRAs and Keogh plan accounts $2,766
    Brokered deposits $994
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $137,993
    Cash & Balances due from depository institutions $42,374
    Interest-bearing balances $2,677
    Total securities $4,795
    Federal funds sold & reverse repurchase $1,542
    Net loans and leases $82,584
    Loan and leases loss allowance $1,117
    Trading account assets $0
    Bank premises and fixed assets $1,452
    Other real estate owned $508
    Goodwill and other intangibles $866
    All other assets $3,872

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $137,993
    Total Liabilities $126,441
    Total deposits $120,838
    Interest-bearing deposits $88,438
    Deposits held in domestic offices $120,838
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $603

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $82,584
    Loan and leases loss allowance $1,117
    Total loans and leases (domestic) $83,701
    All real estate loans $52,362
    Real estate loans in domestic offices $52,362
    Construction and development loans $8,536
    Residential 1-4 family construction $631
    Other construction, all land development and other land $7,905
    Loans secured by nonfarm nonresidential properties $33,610
    Nonfarm nonresidential secured by owner-occupied properties $21,984
    Commercial real estate & other non-farm, non-residential $11,626
    Multifamily residential real estate $943
    1-4 family residential loans $9,273
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $31,230
    To non-U.S. addressees $0
    Loans to individuals $96
    Credit card loans $39
    Related Plans $0
    Consumer Auto Loans $24
    Other loans to individuals $33
    All other loans & leases $13
    Loans to foreign governments and official institutions $0
    Other loans $13
    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 $2,205
    Non 1-4 family restructured loans & leases $1,280
    Total loans and leases (foreign) $0

    The Bank of Kaukauna had $82,584,000 of loans outstanding in 2021. $52,362,000 of loans were in real estate loans. $8,536,000 of loans were in development loans. $943,000 of loans were in multifamily mortgage loans. $9,273,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $39,000 of loans were in credit card loans. $24,000 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 68 $15,384 $226,235
    Nonfarm, nonresidential loans - <$100k 12 $427 $35,583
    Nonfarm, nonresidential loans - $100-250k 28 $2,446 $87,357
    Nonfarm, nonresidential loans - $250k-1MM 28 $12,511 $446,821
    Commercial & Industrial, US addressed loans - <$1MM 163 $11,681 $71,663
    Commercial & Industrial, US addressed loans - <$100k 80 $5,518 $68,975
    Commercial & Industrial, US addressed loans - $100-250k 35 $2,757 $78,771
    Commercial & Industrial, US addressed loans - $250k-1MM 48 $3,406 $70,958