Associated Bank, N.A. Mortgage Lending & HMDA Data, 2005
In 2005, Associated Bank, N.A. of Green Bay, WI reported 29,058 mortgage applications totaling $3.0 billion, up 141% from 2004. The average application was for $104,335, and applicants reported an average income of $65,805. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Madison, WI (2,745), Milwaukee-Waukesha-West Allis, WI (2,323) and Green Bay, WI (1,548) (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 | 29,058 |
| Total Mortgage Loan Application Amount | $3,031,776,000 |
| Average Mortgage Loan Application Amount | $104,335 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $65,805 |
| Highest Applicant Income | $8,327,000 |
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(HMDA) records Associated Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Madison, WI | 2,745 | $ 314,804,000 | $ 114,682 | $ 62,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,323 | $ 287,385,000 | $ 123,712 | $ 74,000 |
| Green Bay, WI | 1,548 | $ 175,330,000 | $ 113,262 | $ 76,000 |
| Janesville, WI | 1,290 | $ 101,689,000 | $ 78,828 | $ 55,000 |
| Appleton, WI | 1,276 | $ 130,632,000 | $ 102,376 | $ 74,000 |
| Oshkosh-Neenah, WI | 1,135 | $ 124,382,000 | $ 109,587 | $ 72,000 |
| Peoria, IL | 1,127 | $ 69,764,000 | $ 61,902 | $ 64,000 |
| La Crosse, WI-MN | 1,048 | $ 90,880,000 | $ 86,717 | $ 55,000 |
| Rockford, IL | 995 | $ 72,152,000 | $ 72,514 | $ 65,000 |
| Eau Claire, WI | 850 | $ 75,695,000 | $ 89,052 | $ 62,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 828 | $ 114,439,000 | $ 138,211 | $ 105,000 |
| Wausau, WI | 804 | $ 79,122,000 | $ 98,410 | $ 59,000 |
| Chicago-Naperville-Joliet, IL | 414 | $ 81,554,000 | $ 196,990 | $ 109,000 |
| Sheboygan, WI | 349 | $ 36,451,000 | $ 104,444 | $ 54,000 |
| Rochester, MN | 343 | $ 43,639,000 | $ 127,227 | $ 102,000 |
| Fond Du Lac, WI | 309 | $ 30,683,000 | $ 99,297 | $ 49,000 |
| Racine, WI | 225 | $ 22,952,000 | $ 102,008 | $ 51,000 |
| Lake County-Kenosha County, IL-WI | 25 | $ 6,536,000 | $ 261,440 | $ 123,000 |
| St. Louis, MO-IL | 18 | $ 2,966,000 | $ 164,777 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 16 | $ 6,870,000 | $ 429,375 | $ 188,000 |
| Naples-Marco Island, FL | 13 | $ 7,129,000 | $ 548,384 | $ 380,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 2,569,000 | $ 233,545 | $ 450,000 |
| Duluth, MN-WI | 10 | $ 927,000 | $ 92,700 | $ 40,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 2,649,000 | $ 294,333 | $ 431,000 |
| Orlando, FL | 8 | $ 4,389,000 | $ 548,625 | $ 114,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 558,000 | $ 69,750 | $ 30,000 |
| Cedar Rapids, IA | 7 | $ 489,000 | $ 69,857 | $ 45,000 |
| Champaign-Urbana, IL | 7 | $ 450,000 | $ 64,285 | $ 66,000 |
| Clarksville, TN-KY | 6 | $ 988,000 | $ 164,666 | $ 62,000 |
| St. Cloud, MN | 6 | $ 979,000 | $ 163,166 | $ 59,000 |
| Des Moines, IA | 5 | $ 742,000 | $ 148,400 | $ 58,000 |
| Jacksonville, FL | 5 | $ 772,000 | $ 154,400 | $ 118,000 |
| Bloomington-Normal, IL | 4 | $ 144,000 | $ 36,000 | $ 106,000 |
| Dubuque, IA | 4 | $ 386,000 | $ 96,500 | $ 43,000 |
| Las Vegas-Paradise, NV | 4 | $ 665,000 | $ 166,250 | $ 0 |
| Springfield, IL | 4 | $ 439,000 | $ 109,750 | $ 94,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 165,000 | $ 55,000 | $ 43,000 |
| Niles-Benton Harbor, MI | 3 | $ 659,000 | $ 219,666 | $ 166,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 687,000 | $ 229,000 | $ 136,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 1,609,000 | $ 536,333 | $ 507,000 |
| Tucson, AZ | 3 | $ 1,014,000 | $ 338,000 | $ 217,000 |
| Ames, IA | 2 | $ 235,000 | $ 117,500 | $ 67,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 421,000 | $ 210,500 | $ 338,000 |
| Gainesville, FL | 2 | $ 273,000 | $ 136,500 | $ 27,000 |
| Indianapolis, IN | 2 | $ 311,000 | $ 155,500 | $ 107,000 |
| Kankakee-Bradley, IL | 2 | $ 53,000 | $ 26,500 | $ 44,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 108,000 | $ 54,000 | $ 144,000 |
| Panama City-Lynn Haven, FL | 2 | $ 418,000 | $ 209,000 | $ 102,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 490,000 | $ 245,000 | $ 186,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 387,000 | $ 193,500 | $ 139,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 426,000 | $ 213,000 | $ 14,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 450,000 | $ 450,000 | $ 547,000 |
| Austin-Round Rock, TX | 1 | $ 20,000 | $ 20,000 | $ 47,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 2,125,000 | $ 2,125,000 | $ 857,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 82,000 | $ 82,000 | $ 68,000 |
| Colorado Springs, CO | 1 | $ 14,000 | $ 14,000 | $ 130,000 |
| Columbus, GA-AL | 1 | $ 41,000 | $ 41,000 | $ 514,000 |
| Dallas-Plano-Irving, TX | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Decatur, IL | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Elizabethtown, KY | 1 | $ 44,000 | $ 44,000 | $ 76,000 |
| Essex County, MA | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Flagstaff, AZ | 1 | $ 226,000 | $ 226,000 | $ 210,000 |
| Fort Collins-Loveland, CO | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Gary, IN | 1 | $ 80,000 | $ 80,000 | $ 624,000 |
| Iowa City, IA | 1 | $ 232,000 | $ 232,000 | $ 169,000 |
| Kalamazoo-Portage, MI | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Kansas City, MO-KS | 1 | $ 162,000 | $ 162,000 | $ 169,000 |
| Lakeland, FL | 1 | $ 10,000,000 | $ 10,000,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 243,000 | $ 243,000 | $ 50,000 |
| Michigan City-La Porte, IN | 1 | $ 425,000 | $ 425,000 | $ 280,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Prescott, AZ | 1 | $ 110,000 | $ 110,000 | $ 34,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 500,000 | $ 500,000 | $ 722,000 |
| Savannah, GA | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 70,000 | $ 70,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Terre Haute, IN | 1 | $ 160,000 | $ 160,000 | $ 105,000 |
| Worcester, MA | 1 | $ 22,000 | $ 22,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Associated Bank, N.A. in 2005
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 | 12,426 | $1,444,480,000 | $355,937 | $9,200,000 | $445,187 | $8,327,000 |
| Home Purchase | 11,409 | $1,447,834,000 | $207,736 | $10,000,000 | $164,000 | $2,054,000 |
| Home Improvement | 5,223 | $139,462,000 | $69,777 | $1,500,000 | $80,000 | $6,686,000 |
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 | 25,808 | $2,645,842,000 | $289,863 | $4,477,000 | $309,090 | $8,327,000 |
| Not applicable | 775 | $191,158,000 | $404,222 | $10,000,000 | $37,000 | $1,383,000 |
| Black or African American | 775 | $55,008,000 | $77,333 | $1,000,000 | $74,500 | $880,000 |
| Hispanic | 745 | $62,219,000 | $72,833 | $1,100,000 | $70,000 | $773,000 |
| Not Provided | 404 | $16,322,000 | $41,333 | $476,000 | $67,833 | $337,000 |
| Asian | 390 | $45,944,000 | $164,777 | $1,068,000 | $229,777 | $1,166,000 |
| American Indian or Alaskan Native | 139 | $12,841,000 | $82,142 | $1,184,000 | $140,142 | $1,004,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $2,442,000 | $175,800 | $347,000 | $151,200 | $375,000 |
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) | 28,579 | $2,978,262,000 | $293,000 | $10,000,000 | $306,045 | $8,327,000 |
| VA-guaranteed (Veterans Administration) | 186 | $24,970,000 | $110,428 | $320,000 | $51,285 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 182 | $16,986,000 | $94,400 | $190,000 | $37,000 | $70,000 |
| FHA-insured (Federal Housing Administration) | 111 | $11,558,000 | $136,000 | $279,000 | $229,500 | $778,000 |
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 | 19,922 | $2,114,048,000 | $318,400 | $10,000,000 | $332,450 | $8,327,000 |
| Loan Purchased By The Institution | 3,171 | $388,768,000 | $128,900 | $863,000 | $119,100 | $870,000 |
| Application Denied By Financial Institution | 2,437 | $143,490,000 | $80,111 | $1,981,000 | $59,666 | $2,507,000 |
| Application Approved But Not Accepted | 1,284 | $87,675,000 | $57,250 | $1,620,000 | $64,875 | $739,000 |
| Application Withdrawn By Applicant | 787 | $110,406,000 | $154,142 | $2,030,000 | $75,428 | $2,054,000 |
| Preapproval Approved but not Accepted | 743 | $107,277,000 | $144,000 | $1,200,000 | $76,000 | $462,000 |
| Preapproval Denied by Financial Institution | 670 | $74,695,000 | $111,000 | $880,000 | $39,000 | $291,000 |
| File Closed For Incompleteness | 44 | $5,417,000 | $99,666 | $334,000 | $49,666 | $233,000 |
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 | 1,629 | $113,098,000 | $61,625 | $1,981,000 | $48,500 | $2,507,000 |
| Debt-To-Income Ratio | 546 | $36,121,000 | $131,500 | $880,000 | $50,750 | $240,000 |
| Credit Application Incomplete | 343 | $32,469,000 | $94,142 | $780,000 | $75,285 | $1,004,000 |
| Other | 296 | $10,837,000 | $44,750 | $240,000 | $48,250 | $372,000 |
| Collateral | 207 | $16,632,000 | $81,000 | $650,000 | $66,750 | $720,000 |
| Employment History | 61 | $5,710,000 | $109,250 | $494,000 | $41,750 | $195,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $2,334,000 | $129,333 | $255,000 | $44,000 | $238,000 |
| Unverifiable Information | 7 | $984,000 | $144,500 | $220,000 | $73,500 | $201,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Associated Bank, N.A.'s 2005 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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