Associated Bank, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Associated Bank, N.A. of Green Bay, WI reported 43,289 mortgage applications totaling $6.1 billion, up 11% from 2009. The average application was for $140,178, and applicants reported an average income of $85,470. 63% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (4,128), Green Bay, WI (3,949) and Madison, WI (3,175) (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 | 43,289 |
| Total Mortgage Loan Application Amount | $6,068,177,000 |
| Average Mortgage Loan Application Amount | $140,178 |
| Highest Mortgage Loan Application Amount | $10,050,000 |
| Average Applicant Income | $85,470 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records Associated Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 4,128 | $ 683,308,000 | $ 165,530 | $ 98,000 |
| Green Bay, WI | 3,949 | $ 523,949,000 | $ 132,678 | $ 82,000 |
| Madison, WI | 3,175 | $ 508,680,000 | $ 160,214 | $ 86,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,495 | $ 431,769,000 | $ 173,053 | $ 95,515 |
| Appleton, WI | 2,451 | $ 324,011,000 | $ 132,195 | $ 78,000 |
| Oshkosh-Neenah, WI | 1,801 | $ 238,821,000 | $ 132,604 | $ 80,000 |
| Rockford, IL | 1,421 | $ 137,656,000 | $ 96,872 | $ 67,000 |
| Chicago-Joliet-Naperville, IL | 1,327 | $ 418,189,000 | $ 315,138 | $ 184,000 |
| St. Louis, MO-IL | 1,323 | $ 202,423,000 | $ 153,003 | $ 106,254 |
| Peoria, IL | 1,247 | $ 128,544,000 | $ 103,082 | $ 72,000 |
| La Crosse, WI-MN | 1,198 | $ 140,810,000 | $ 117,537 | $ 72,766 |
| Eau Claire, WI | 1,011 | $ 116,500,000 | $ 115,232 | $ 74,000 |
| Janesville, WI | 970 | $ 99,326,000 | $ 102,397 | $ 65,000 |
| Wausau, WI | 875 | $ 99,466,000 | $ 113,675 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 572 | $ 123,299,000 | $ 215,557 | $ 115,524 |
| Sheboygan, WI | 569 | $ 68,907,000 | $ 121,101 | $ 70,000 |
| Fond Du Lac, WI | 464 | $ 59,217,000 | $ 127,622 | $ 69,000 |
| Rochester, MN | 461 | $ 64,392,000 | $ 139,678 | $ 86,000 |
| Racine, WI | 374 | $ 50,526,000 | $ 135,096 | $ 75,000 |
| Springfield, MO | 73 | $ 19,857,000 | $ 272,013 | $ 245,000 |
| Cedar Rapids, IA | 45 | $ 8,063,000 | $ 179,177 | $ 115,000 |
| Champaign-Urbana, IL | 45 | $ 6,243,000 | $ 138,733 | $ 92,000 |
| Duluth, MN-WI | 26 | $ 3,745,000 | $ 144,038 | $ 91,461 |
| Phoenix-Mesa-Glendale, AZ | 22 | $ 4,809,000 | $ 218,590 | $ 115,000 |
| Davenport-Moline-Rock Island, IA-IL | 19 | $ 2,333,000 | $ 122,789 | $ 54,473 |
| Mankato-North Mankato, MN | 16 | $ 2,541,000 | $ 158,812 | $ 63,000 |
| Bloomington-Normal, IL | 15 | $ 2,152,000 | $ 143,466 | $ 119,000 |
| St. Cloud, MN | 13 | $ 1,862,000 | $ 143,230 | $ 94,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 2,459,000 | $ 204,916 | $ 158,000 |
| Kansas City, MO-KS | 9 | $ 2,086,000 | $ 231,777 | $ 650,000 |
| Waterloo-Cedar Falls, IA | 9 | $ 709,000 | $ 78,777 | $ 62,000 |
| Gary, IN | 7 | $ 2,059,000 | $ 294,142 | $ 268,000 |
| Iowa City, IA | 6 | $ 1,489,000 | $ 248,166 | $ 417,000 |
| Niles-Benton Harbor, MI | 5 | $ 3,106,000 | $ 621,200 | $ 903,000 |
| Des Moines-West Des Moines, IA | 4 | $ 1,935,000 | $ 483,750 | $ 528,000 |
| Naples-Marco Island, FL | 4 | $ 2,050,000 | $ 512,500 | $ 654,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 877,000 | $ 219,250 | $ 379,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,166,000 | $ 291,500 | $ 226,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 2,737,000 | $ 684,250 | $ 520,000 |
| Dubuque, IA | 3 | $ 249,000 | $ 83,000 | $ 49,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 1,267,000 | $ 422,333 | $ 2,268,000 |
| Cape Girardeau-Jackson, MO-IL | 2 | $ 239,000 | $ 119,500 | $ 44,000 |
| Decatur, IL | 2 | $ 284,000 | $ 142,000 | $ 88,000 |
| Indianapolis-Carmel, IN | 2 | $ 297,000 | $ 148,500 | $ 120,000 |
| Jacksonville, FL | 2 | $ 338,000 | $ 169,000 | $ 170,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 232,000 | $ 116,000 | $ 64,000 |
| Springfield, IL | 2 | $ 232,000 | $ 116,000 | $ 97,000 |
| Terre Haute, IN | 2 | $ 209,000 | $ 104,500 | $ 42,000 |
| Tucson, AZ | 2 | $ 664,000 | $ 332,000 | $ 408,000 |
| Ames, IA | 1 | $ 153,000 | $ 153,000 | $ 98,000 |
| Beaumont-Port Arthur, TX | 1 | $ 1,089,000 | $ 1,089,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 394,000 | $ 394,000 | $ 132,000 |
| Danville, IL | 1 | $ 94,000 | $ 94,000 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 300,000 | $ 300,000 | $ 97,000 |
| Flint, MI | 1 | $ 64,000 | $ 64,000 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 636,000 | $ 636,000 | $ 416,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 21,000 | $ 21,000 | $ 110,000 |
| Holland-Grand Haven, MI | 1 | $ 160,000 | $ 160,000 | $ 101,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Lakeland-Winter Haven, FL | 1 | $ 253,000 | $ 253,000 | $ 84,000 |
| Las Vegas-Paradise, NV | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Muskegon-Norton Shores, MI | 1 | $ 144,000 | $ 144,000 | $ 113,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 289,000 | $ 289,000 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 266,000 | $ 266,000 | $ 60,000 |
| Palm Coast, FL | 1 | $ 155,000 | $ 155,000 | $ 173,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 609,000 | $ 609,000 | $ 306,000 |
| Prescott, AZ | 1 | $ 783,000 | $ 783,000 | $ 335,000 |
| Punta Gorda, FL | 1 | $ 127,000 | $ 127,000 | $ 231,000 |
| Sioux City, IA-NE-SD | 1 | $ 122,000 | $ 122,000 | $ 182,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 67,000 | $ 67,000 | $ 17,000 |
| Tallahassee, FL | 1 | $ 143,000 | $ 143,000 | $ 73,000 |
| Tulsa, OK | 1 | $ 167,000 | $ 167,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Associated Bank, N.A. in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 31,385 | $4,650,967,000 | $148,000 | $10,050,000 | $88,000 | $9,999,000 |
| Home Purchase | 8,097 | $1,250,082,000 | $154,000 | $2,681,000 | $82,000 | $9,019,000 |
| Home Improvement | 3,807 | $167,128,000 | $43,000 | $3,260,000 | $72,000 | $1,495,000 |
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 | 39,514 | $5,471,498,000 | $138,000 | $10,050,000 | $86,000 | $9,999,000 |
| Not Provided | 1,121 | $156,210,000 | $139,000 | $1,786,000 | $79,000 | $1,633,000 |
| Asian | 698 | $131,984,000 | $189,000 | $2,450,000 | $113,000 | $1,633,000 |
| Hispanic | 696 | $73,773,000 | $105,000 | $1,000,000 | $67,000 | $943,000 |
| Black or African American | 612 | $64,244,000 | $104,000 | $2,000,000 | $74,000 | $3,000,000 |
| Not applicable | 453 | $147,957,000 | $326,000 | $9,000,000 | $2,000 | $496,000 |
| American Indian or Alaskan Native | 136 | $14,919,000 | $109,000 | $1,000,000 | $105,000 | $475,000 |
| Native Hawaiian or Other Pacific Islander | 59 | $7,592,000 | $128,000 | $960,000 | $90,000 | $724,000 |
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) | 40,805 | $5,746,642,000 | $140,000 | $10,050,000 | $87,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,766 | $230,781,000 | $130,000 | $373,000 | $58,000 | $9,019,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 419 | $46,621,000 | $111,000 | $275,000 | $42,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 299 | $44,133,000 | $147,000 | $390,000 | $59,000 | $215,000 |
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 | 27,393 | $3,958,655,000 | $144,000 | $10,050,000 | $90,000 | $9,999,000 |
| Application Denied By Financial Institution | 8,713 | $1,147,229,000 | $131,000 | $2,550,000 | $75,000 | $3,017,000 |
| Application Withdrawn By Applicant | 2,173 | $349,553,000 | $160,000 | $2,200,000 | $91,000 | $5,000,000 |
| Preapproval Denied by Financial Institution | 2,024 | $272,219,000 | $134,000 | $1,255,000 | $62,000 | $9,019,000 |
| Application Approved But Not Accepted | 1,426 | $134,566,000 | $94,000 | $1,000,000 | $78,000 | $2,716,000 |
| Loan Purchased By The Institution | 803 | $101,589,000 | $126,000 | $417,000 | $77,000 | $1,351,000 |
| File Closed For Incompleteness | 757 | $104,366,000 | $137,000 | $1,786,000 | $95,000 | $3,752,000 |
| Preapproval Approved but not Accepted | 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 | 3,118 | $285,830,000 | $91,000 | $2,450,000 | $59,000 | $1,333,000 |
| Debt-To-Income Ratio | 2,202 | $316,387,000 | $143,000 | $2,000,000 | $56,000 | $3,017,000 |
| Collateral | 2,059 | $317,723,000 | $154,000 | $2,000,000 | $92,000 | $1,805,000 |
| Credit Application Incomplete | 1,839 | $305,340,000 | $166,000 | $1,800,000 | $86,000 | $9,019,000 |
| Other | 608 | $64,397,000 | $105,000 | $1,785,000 | $83,000 | $1,227,000 |
| Unverifiable Information | 432 | $49,425,000 | $114,000 | $2,550,000 | $74,000 | $526,000 |
| Employment History | 233 | $38,085,000 | $163,000 | $1,255,000 | $78,000 | $575,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 217 | $37,329,000 | $172,000 | $713,000 | $71,000 | $300,000 |
| Mortgage Insurance Denied | 29 | $4,932,000 | $170,000 | $765,000 | $74,000 | $224,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Associated Bank, N.A.'s 2010 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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