Associated Bank, N.A. Mortgage Lending & HMDA Data, 2004

In 2004, Associated Bank, N.A. of Green Bay, WI reported 12,064 mortgage applications totaling $860.6 million, down 18% from 2003. The average application was for $71,332, and applicants reported an average income of $63,560. 80% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (1,832), Green Bay, WI (1,015) and Peoria, IL (955) (applications in parentheses).

Mortgage Company & Address Associated Bank, N.A.
200 N Adams St
Green Bay, WI 54301
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 12,064
Total Mortgage Loan Application Amount $860,555,000
Average Mortgage Loan Application Amount $71,332
Highest Mortgage Loan Application Amount $9,218,000
Average Applicant Income $63,560
Highest Applicant Income $3,632,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Associated Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Associated Bank, N.A. by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Milwaukee, Wisconsin 922 $ 59,553,000 $ 64,591 $ 59,000
Brown, Wisconsin 726 $ 54,170,000 $ 74,614 $ 135,000
Waukesha, Wisconsin 574 $ 49,416,000 $ 86,090 $ 73,000
Peoria, Illinois 475 $ 21,580,000 $ 45,431 $ 59,000
St. Clair, Illinois 417 $ 18,770,000 $ 45,011 $ 51,000
Tazewell, Illinois 380 $ 13,923,000 $ 36,639 $ 56,000
Winnebago, Wisconsin 380 $ 39,612,000 $ 104,242 $ 58,000
Door, Wisconsin 340 $ 34,894,000 $ 102,629 $ 51,000
Winnebago, Illinois 304 $ 10,288,000 $ 33,842 $ 59,000
La Crosse, Wisconsin 282 $ 22,923,000 $ 81,287 $ 68,000
Outagamie, Wisconsin 282 $ 17,520,000 $ 62,127 $ 68,000
Manitowoc, Wisconsin 274 $ 19,927,000 $ 72,726 $ 58,000
Shawano, Wisconsin 274 $ 15,322,000 $ 55,919 $ 47,000
Dane, Wisconsin 268 $ 28,825,000 $ 107,555 $ 80,000
Marathon, Wisconsin 257 $ 28,756,000 $ 111,891 $ 89,000
Oconto, Wisconsin 250 $ 14,453,000 $ 57,812 $ 114,000
Sheboygan, Wisconsin 235 $ 17,491,000 $ 74,429 $ 63,000
Oneida, Wisconsin 228 $ 16,921,000 $ 74,214 $ 62,000
Wood, Wisconsin 227 $ 19,476,000 $ 85,797 $ 50,000
Columbia, Wisconsin 224 $ 12,612,000 $ 56,303 $ 50,000
Madison, Illinois 201 $ 11,459,000 $ 57,009 $ 48,000
Dodge, Wisconsin 189 $ 13,741,000 $ 72,703 $ 54,000
Washington, Wisconsin 189 $ 16,737,000 $ 88,555 $ 93,000
Sauk, Wisconsin 180 $ 15,513,000 $ 86,183 $ 46,000
Bayfield, Wisconsin 174 $ 11,692,000 $ 67,195 $ 54,000
Portage, Wisconsin 174 $ 11,768,000 $ 67,632 $ 44,000
Walworth, Wisconsin 172 $ 10,961,000 $ 63,726 $ 59,000
Jefferson, Wisconsin 162 $ 8,300,000 $ 51,234 $ 57,000
Marinette, Wisconsin 147 $ 8,436,000 $ 57,387 $ 43,000
Ozaukee, Wisconsin 147 $ 11,798,000 $ 80,258 $ 63,000
Ashland, Wisconsin 145 $ 6,223,000 $ 42,917 $ 45,000
Fond du Lac, Wisconsin 140 $ 9,115,000 $ 65,107 $ 52,000
Knox, Illinois 134 $ 4,178,000 $ 31,179 $ 38,000
Racine, Wisconsin 108 $ 5,838,000 $ 54,055 $ 59,000
Clark, Wisconsin 107 $ 5,409,000 $ 50,551 $ 47,000
Iron, Wisconsin 94 $ 4,426,000 $ 47,085 $ 45,000
Vilas, Wisconsin 94 $ 8,016,000 $ 85,276 $ 71,000
Adams, Illinois 89 $ 3,991,000 $ 44,842 $ 41,000
Kenosha, Wisconsin 86 $ 6,704,000 $ 77,953 $ 64,000
Rock, Wisconsin 84 $ 4,976,000 $ 59,238 $ 55,000
Waupaca, Wisconsin 78 $ 3,569,000 $ 45,756 $ 43,000
Trempealeau, Wisconsin 77 $ 3,618,000 $ 46,987 $ 50,000
Lincoln, Wisconsin 74 $ 4,105,000 $ 55,472 $ 52,000
Forest, Wisconsin 73 $ 4,043,000 $ 55,383 $ 75,000
Eau Claire, Wisconsin 65 $ 3,870,000 $ 59,538 $ 54,000
Gogebic, Michigan 64 $ 2,508,000 $ 39,187 $ 54,000
Woodford, Illinois 60 $ 2,809,000 $ 46,816 $ 62,000
Calumet, Wisconsin 59 $ 2,823,000 $ 47,847 $ 63,000
Jackson, Wisconsin 57 $ 3,182,000 $ 55,824 $ 50,000
Sawyer, Wisconsin 56 $ 4,086,000 $ 72,964 $ 57,000
Taylor, Wisconsin 51 $ 2,919,000 $ 57,235 $ 43,000
Adams, Wisconsin 49 $ 6,432,000 $ 131,265 $ 82,000
DeKalb, Illinois 44 $ 2,031,000 $ 46,159 $ 72,000
Marquette, Wisconsin 44 $ 3,291,000 $ 74,795 $ 68,000
Kewaunee, Wisconsin 39 $ 4,174,000 $ 107,025 $ 47,000
Marshall, Illinois 38 $ 1,733,000 $ 45,605 $ 60,000
Price, Wisconsin 38 $ 2,340,000 $ 61,578 $ 62,000
Chippewa, Wisconsin 37 $ 3,845,000 $ 103,918 $ 59,000
Monroe, Illinois 35 $ 2,078,000 $ 59,371 $ 72,000
Cook, Illinois 32 $ 9,567,000 $ 298,968 $ 134,000
Fulton, Illinois 30 $ 1,019,000 $ 33,966 $ 53,000
Warren, Illinois 28 $ 602,000 $ 21,500 $ 47,000
Waushara, Wisconsin 28 $ 3,051,000 $ 108,964 $ 49,000
Juneau, Wisconsin 27 $ 2,692,000 $ 99,703 $ 64,000
Kane, Illinois 24 $ 2,186,000 $ 91,083 $ 82,000
Pepin, Wisconsin 24 $ 1,460,000 $ 60,833 $ 62,000
Vernon, Wisconsin 24 $ 1,648,000 $ 68,666 $ 66,000
Macoupin, Illinois 23 $ 820,000 $ 35,652 $ 40,000
Buffalo, Wisconsin 21 $ 963,000 $ 45,857 $ 35,000
Langlade, Wisconsin 21 $ 1,561,000 $ 74,333 $ 60,000
Monroe, Wisconsin 21 $ 1,491,000 $ 71,000 $ 66,000
Green, Wisconsin 20 $ 1,494,000 $ 74,700 $ 62,000
Mason, Illinois 18 $ 580,000 $ 32,222 $ 44,000
Dunn, Wisconsin 17 $ 901,000 $ 53,000 $ 57,000
Menominee, Wisconsin 17 $ 905,000 $ 53,235 $ 52,000
Hennepin, Minnesota 16 $ 9,006,000 $ 562,875 $ 89,000
Kendall, Illinois 14 $ 546,000 $ 39,000 $ 54,000
Washburn, Wisconsin 14 $ 1,156,000 $ 82,571 $ 46,000
Jersey, Illinois 13 $ 330,000 $ 25,384 $ 49,000
Houston, Minnesota 13 $ 4,416,000 $ 339,692 $ 51,000
Will, Illinois 12 $ 720,000 $ 60,000 $ 69,000
Green Lake, Wisconsin 11 $ 1,309,000 $ 119,000 $ 90,000
Boone, Illinois 10 $ 1,074,000 $ 107,400 $ 144,000
DuPage, Illinois 10 $ 695,000 $ 69,500 $ 134,000
Hancock, Illinois 10 $ 275,000 $ 27,500 $ 56,000
LaSalle, Illinois 10 $ 626,000 $ 62,600 $ 50,000
McHenry, Illinois 10 $ 1,253,000 $ 125,300 $ 97,000
Winona, Minnesota 10 $ 1,820,000 $ 182,000 $ 73,000
Pierce, Wisconsin 10 $ 542,000 $ 54,200 $ 63,000
Lake, Illinois 9 $ 824,000 $ 91,555 $ 54,000
Barron, Wisconsin 9 $ 709,000 $ 78,777 $ 43,000
Richland, Wisconsin 9 $ 1,222,000 $ 135,777 $ 54,000
Rusk, Wisconsin 9 $ 355,000 $ 39,444 $ 60,000
McLean, Illinois 8 $ 198,000 $ 24,750 $ 73,000
Sangamon, Illinois 8 $ 199,000 $ 24,875 $ 76,000
St. Croix, Wisconsin 8 $ 570,000 $ 71,250 $ 67,000
Pike, Illinois 7 $ 209,000 $ 29,857 $ 87,000
Iowa, Wisconsin 7 $ 450,000 $ 64,285 $ 64,000
Iron, Michigan 6 $ 931,000 $ 155,166 $ 146,000
Douglas, Wisconsin 6 $ 327,000 $ 54,500 $ 50,000
Maricopa, Arizona 5 $ 3,028,000 $ 605,600 $ 141,000
Macon, Illinois 5 $ 147,000 $ 29,400 $ 61,000
Mercer, Illinois 5 $ 115,000 $ 23,000 $ 45,000
Stephenson, Illinois 5 $ 486,000 $ 97,200 $ 41,000
Menominee, Michigan 5 $ 411,000 $ 82,200 $ 117,000
Dakota, Minnesota 5 $ 274,000 $ 54,800 $ 39,000
Washington, Minnesota 5 $ 4,194,000 $ 838,800 $ 54,000
St. Louis, Missouri 5 $ 1,925,000 $ 385,000 $ 117,000
St. Louis City, Missouri 5 $ 1,037,000 $ 207,400 $ 38,000
Polk, Wisconsin 5 $ 492,000 $ 98,400 $ 87,000
Cass, Illinois 4 $ 112,000 $ 28,000 $ 32,000
Clinton, Illinois 4 $ 103,000 $ 25,750 $ 74,000
Henry, Illinois 4 $ 146,000 $ 36,500 $ 39,000
Jo Daviess, Illinois 4 $ 357,000 $ 89,250 $ 81,000
Ogle, Illinois 4 $ 137,000 $ 34,250 $ 61,000
Randolph, Illinois 4 $ 127,000 $ 31,750 $ 86,000
Ontonagon, Michigan 4 $ 597,000 $ 149,250 $ 20,000
Marion, Missouri 4 $ 135,000 $ 33,750 $ 35,000
Clark, Nevada 4 $ 851,000 $ 212,750 $ 116,000
Crawford, Wisconsin 4 $ 303,000 $ 75,750 $ 51,000
Bond, Illinois 3 $ 26,000 $ 8,666 $ 55,000
Bureau, Illinois 3 $ 22,000 $ 7,333 $ 57,000
Champaign, Illinois 3 $ 74,000 $ 24,666 $ 72,000
Greene, Illinois 3 $ 65,000 $ 21,666 $ 47,000
Lee, Illinois 3 $ 39,000 $ 13,000 $ 39,000
Livingston, Illinois 3 $ 20,000 $ 6,666 $ 54,000
Logan, Illinois 3 $ 90,000 $ 30,000 $ 39,000
McDonough, Illinois 3 $ 36,000 $ 12,000 $ 48,000
Lee, Iowa 3 $ 164,000 $ 54,666 $ 57,000
Anoka, Minnesota 3 $ 371,000 $ 123,666 $ 83,000
Goodhue, Minnesota 3 $ 122,000 $ 40,666 $ 83,000
Olmsted, Minnesota 3 $ 117,000 $ 39,000 $ 77,000
St. Louis, Minnesota 3 $ 90,000 $ 30,000 $ 87,000
Wright, Missouri 3 $ 379,000 $ 126,333 $ 147,000
Burnett, Wisconsin 3 $ 420,000 $ 140,000 $ 118,000
Florence, Wisconsin 3 $ 127,000 $ 42,333 $ 53,000
Lafayette, Wisconsin 3 $ 131,000 $ 43,666 $ 41,000
Lee, Florida 2 $ 715,000 $ 357,500 $ 168,000
Okaloosa, Florida 2 $ 628,000 $ 314,000 $ 165,000
Palm Beach, Florida 2 $ 274,000 $ 137,000 $ 3,000
Polk, Florida 2 $ 1,660,000 $ 830,000 $ 16,000
Santa Rosa, Florida 2 $ 265,000 $ 132,500 $ 163,000
Henderson, Illinois 2 $ 84,000 $ 42,000 $ 25,000
Jefferson, Illinois 2 $ 147,000 $ 73,500 $ 29,000
Kankakee, Illinois 2 $ 262,000 $ 131,000 $ 96,000
Menard, Illinois 2 $ 39,000 $ 19,500 $ 43,000
Stark, Illinois 2 $ 77,000 $ 38,500 $ 31,000
Chickasaw, Iowa 2 $ 16,000 $ 8,000 $ 24,000
Baraga, Michigan 2 $ 428,000 $ 214,000 $ 121,000
Dickinson, Michigan 2 $ 149,000 $ 74,500 $ 77,000
Crow Wing, Minnesota 2 $ 112,000 $ 56,000 $ 100,000
Scott, Minnesota 2 $ 165,000 $ 82,500 $ 181,000
Jefferson, Missouri 2 $ 80,000 $ 40,000 $ 81,000
Lewis, Missouri 2 $ 74,000 $ 37,000 $ 29,000
Grant, Wisconsin 2 $ 35,000 $ 17,500 $ 78,000
Los Angeles, California 1 $ 175,000 $ 175,000 $ 135,000
Solano, California 1 $ 1,000 $ 1,000 $ 90,000
Custer, Colorado 1 $ 541,000 $ 541,000 $ 887,000
Charlotte, Florida 1 $ 54,000 $ 54,000 $ 56,000
Duval, Florida 1 $ 77,000 $ 77,000 $ 354,000
Orange, Florida 1 $ 2,260,000 $ 2,260,000 $ 0
Pasco, Florida 1 $ 22,000 $ 22,000 $ 26,000
Calhoun, Illinois 1 $ 71,000 $ 71,000 $ 70,000
Ford, Illinois 1 $ 12,000 $ 12,000 $ 40,000
Gallatin, Illinois 1 $ 112,000 $ 112,000 $ 31,000
Grundy, Illinois 1 $ 13,000 $ 13,000 $ 51,000
Morgan, Illinois 1 $ 6,000 $ 6,000 $ 18,000
Rock Island, Illinois 1 $ 20,000 $ 20,000 $ 36,000
Saline, Illinois 1 $ 10,000 $ 10,000 $ 67,000
Union, Illinois 1 $ 10,000 $ 10,000 $ 98,000
Whiteside, Illinois 1 $ 43,000 $ 43,000 $ 140,000
Hamilton, Indiana 1 $ 250,000 $ 250,000 $ 0
Allamakee, Iowa 1 $ 20,000 $ 20,000 $ 91,000
Black Hawk, Iowa 1 $ 20,000 $ 20,000 $ 123,000
Dubuque, Iowa 1 $ 25,000 $ 25,000 $ 50,000
Alger, Michigan 1 $ 70,000 $ 70,000 $ 103,000
Emmet, Michigan 1 $ 25,000 $ 25,000 $ 132,000
Genesee, Michigan 1 $ 110,000 $ 110,000 $ 175,000
Ionia, Michigan 1 $ 18,000 $ 18,000 $ 141,000
Keweenaw, Michigan 1 $ 150,000 $ 150,000 $ 62,000
Marquette, Michigan 1 $ 10,000 $ 10,000 $ 46,000
Oakland, Michigan 1 $ 67,000 $ 67,000 $ 166,000
Oceana, Michigan 1 $ 166,000 $ 166,000 $ 141,000
Schoolcraft, Michigan 1 $ 45,000 $ 45,000 $ 33,000
Wayne, Michigan 1 $ 15,000 $ 15,000 $ 76,000
Carlton, Minnesota 1 $ 60,000 $ 60,000 $ 78,000
Carver, Minnesota 1 $ 3,000,000 $ 3,000,000 $ 0
Cass, Minnesota 1 $ 50,000 $ 50,000 $ 29,000
Dodge, Minnesota 1 $ 17,000 $ 17,000 $ 77,000
Fillmore, Minnesota 1 $ 28,000 $ 28,000 $ 16,000
Pine, Minnesota 1 $ 20,000 $ 20,000 $ 55,000
Swift, Minnesota 1 $ 25,000 $ 25,000 $ 8,000
Wright, Minnesota 1 $ 15,000 $ 15,000 $ 86,000
Hancock, Mississippi 1 $ 61,000 $ 61,000 $ 0
Clark, Missouri 1 $ 7,000 $ 7,000 $ 82,000
Henry, Missouri 1 $ 55,000 $ 55,000 $ 48,000
Phelps, Missouri 1 $ 138,000 $ 138,000 $ 0
Platte, Missouri 1 $ 2,968,000 $ 2,968,000 $ 0
Sussex, New Jersey 1 $ 125,000 $ 125,000 $ 254,000
Cuyahoga, Ohio 1 $ 164,000 $ 164,000 $ 13,000
Philadelphia, Pennsylvania 1 $ 600,000 $ 600,000 $ 309,000
Lawrence, South Dakota 1 $ 50,000 $ 50,000 $ 0
Sweetwater, Wyoming 1 $ 105,000 $ 105,000 $ 200,000

Mortgage Loan Application Detail Totals for Associated Bank, N.A. in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Improvement 4,717 $125,141,000 $32,111 $500,000 $51,333 $2,892,000
Refinancing 4,493 $356,180,000 $265,714 $4,197,000 $155,642 $3,632,000
Home Purchase 2,854 $379,234,000 $259,538 $9,218,000 $99,461 $1,829,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 10,342 $657,870,000 $177,375 $3,150,000 $172,062 $2,892,000
Not applicable 479 $146,391,000 $869,333 $9,218,000 $111 $82,000
Not Provided 458 $15,778,000 $25,833 $850,000 $40,333 $500,000
Black or African American 435 $19,168,000 $60,800 $583,000 $137,000 $3,632,000
Hispanic 206 $12,103,000 $52,333 $1,750,000 $53,333 $1,423,000
Asian 74 $4,860,000 $53,250 $375,000 $54,250 $443,000
American Indian or Alaskan Native 62 $4,058,000 $73,000 $397,000 $62,333 $264,000
Native Hawaiian or Other Pacific Islander 8 $327,000 $52,333 $110,000 $52,000 $225,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 12,064 $860,555,000 $220,210 $9,218,000 $135,684 $3,632,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 9,633 $742,196,000 $245,611 $9,218,000 $146,277 $2,076,000
Application Denied By Financial Institution 1,505 $57,618,000 $40,750 $1,009,000 $42,875 $2,892,000
Application Approved But Not Accepted 640 $34,645,000 $46,285 $550,000 $69,428 $3,632,000
Application Withdrawn By Applicant 252 $20,028,000 $50,750 $500,000 $58,250 $588,000
Preapproval Denied by Financial Institution 20 $3,234,000 $161,000 $335,000 $49,000 $160,000
Preapproval Approved but not Accepted 14 $2,834,000 $202,000 $564,000 $63,000 $182,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 769 $27,184,000 $65,000 $1,009,000 $39,833 $511,000
Debt-To-Income Ratio 415 $17,707,000 $67,600 $444,000 $41,200 $2,892,000
Credit Application Incomplete 131 $7,814,000 $80,800 $350,000 $71,800 $240,000
Other 91 $4,019,000 $32,142 $334,000 $55,000 $336,000
Collateral 83 $2,704,000 $42,750 $119,000 $57,750 $179,000
Employment History 30 $1,060,000 $42,250 $107,000 $31,250 $84,000
Unverifiable Information 5 $236,000 $35,500 $140,000 $28,500 $174,000
Insufficient Cash (Downpayment, Closing Cost) 1 $128,000 $128,000 $128,000 $40,000 $40,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Associated Bank, N.A.'s 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Associated Bank, N.A.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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