Associated Bank, N.A. Mortgage Lending & HMDA Data, 2007
In 2007, Associated Bank, N.A. of Green Bay, WI reported 33,415 mortgage applications totaling $3.3 billion, up 22% from 2006. The average application was for $98,434, and applicants reported an average income of $75,838. 62% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Madison, WI (3,431), Milwaukee-Waukesha-West Allis, WI (3,257) and Minneapolis-St. Paul-Bloomington, MN-WI (2,040) (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 | 33,415 |
| Total Mortgage Loan Application Amount | $3,289,193,000 |
| Average Mortgage Loan Application Amount | $98,434 |
| Highest Mortgage Loan Application Amount | $5,712,000 |
| Average Applicant Income | $75,838 |
| Highest Applicant Income | $3,800,000 |
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(HMDA) records Associated Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,431 | $ 343,393,000 | $ 100,085 | $ 80,000 |
| Milwaukee-Waukesha-West Allis, WI | 3,257 | $ 351,909,000 | $ 108,046 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2,040 | $ 221,608,000 | $ 108,631 | $ 99,282 |
| Green Bay, WI | 2,008 | $ 181,808,000 | $ 90,541 | $ 76,000 |
| Appleton, WI | 1,251 | $ 138,728,000 | $ 110,893 | $ 71,000 |
| Rockford, IL | 1,181 | $ 90,252,000 | $ 76,419 | $ 69,000 |
| Janesville, WI | 1,122 | $ 92,299,000 | $ 82,262 | $ 64,000 |
| La Crosse, WI-MN | 1,080 | $ 87,066,000 | $ 80,616 | $ 64,808 |
| Oshkosh-Neenah, WI | 1,071 | $ 117,981,000 | $ 110,159 | $ 72,000 |
| St. Louis, MO-IL | 1,063 | $ 82,572,000 | $ 77,678 | $ 64,117 |
| Peoria, IL | 1,046 | $ 72,374,000 | $ 69,191 | $ 64,000 |
| Chicago-Naperville-Joliet, IL | 970 | $ 131,632,000 | $ 135,703 | $ 110,000 |
| Wausau, WI | 878 | $ 87,175,000 | $ 99,288 | $ 71,000 |
| Eau Claire, WI | 868 | $ 77,228,000 | $ 88,972 | $ 72,000 |
| Rochester, MN | 448 | $ 55,098,000 | $ 122,986 | $ 92,000 |
| Lake County-Kenosha County, IL-WI | 402 | $ 44,059,000 | $ 109,599 | $ 85,947 |
| Sheboygan, WI | 371 | $ 42,863,000 | $ 115,533 | $ 86,000 |
| Fond Du Lac, WI | 322 | $ 35,736,000 | $ 110,981 | $ 81,000 |
| Racine, WI | 280 | $ 29,033,000 | $ 103,689 | $ 73,000 |
| Duluth, MN-WI | 27 | $ 3,390,000 | $ 125,555 | $ 57,481 |
| Davenport-Moline-Rock Island, IA-IL | 22 | $ 991,000 | $ 45,045 | $ 59,818 |
| St. Cloud, MN | 21 | $ 1,490,000 | $ 70,952 | $ 91,000 |
| Bloomington-Normal, IL | 20 | $ 1,956,000 | $ 97,800 | $ 119,000 |
| Champaign-Urbana, IL | 14 | $ 1,288,000 | $ 92,000 | $ 144,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 5,852,000 | $ 532,000 | $ 295,000 |
| Indianapolis-Carmel, IN | 10 | $ 1,787,000 | $ 178,700 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,100,000 | $ 210,000 | $ 374,000 |
| Naples-Marco Island, FL | 9 | $ 2,808,000 | $ 312,000 | $ 181,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,760,000 | $ 220,000 | $ 275,000 |
| Gary, IN | 8 | $ 810,000 | $ 101,250 | $ 59,000 |
| Danville, IL | 7 | $ 475,000 | $ 67,857 | $ 45,000 |
| Orlando-Kissimmee, FL | 7 | $ 1,664,000 | $ 237,714 | $ 215,000 |
| Tucson, AZ | 7 | $ 2,086,000 | $ 298,000 | $ 198,000 |
| Fargo, ND-MN | 5 | $ 368,000 | $ 73,600 | $ 79,000 |
| Kansas City, MO-KS | 5 | $ 3,091,000 | $ 618,200 | $ 74,400 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 934,000 | $ 186,800 | $ 141,000 |
| Springfield, IL | 5 | $ 251,000 | $ 50,200 | $ 54,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 915,000 | $ 183,000 | $ 0 |
| Des Moines-West Des Moines, IA | 4 | $ 205,000 | $ 51,250 | $ 180,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 706,000 | $ 176,500 | $ 177,000 |
| Iowa City, IA | 4 | $ 390,000 | $ 97,500 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 527,000 | $ 131,750 | $ 53,000 |
| Cedar Rapids, IA | 3 | $ 375,000 | $ 125,000 | $ 41,000 |
| Dubuque, IA | 3 | $ 164,000 | $ 54,666 | $ 90,000 |
| Michigan City-La Porte, IN | 3 | $ 320,000 | $ 106,666 | $ 178,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 273,000 | $ 91,000 | $ 67,000 |
| Decatur, IL | 2 | $ 127,000 | $ 63,500 | $ 52,000 |
| Denver-Aurora, CO | 2 | $ 720,000 | $ 360,000 | $ 259,000 |
| Jacksonville, FL | 2 | $ 1,080,000 | $ 540,000 | $ 407,000 |
| Lafayette, IN | 2 | $ 322,000 | $ 161,000 | $ 24,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 403,000 | $ 201,500 | $ 54,000 |
| Lakeland, FL | 2 | $ 325,000 | $ 162,500 | $ 106,000 |
| Niles-Benton Harbor, MI | 2 | $ 1,540,000 | $ 770,000 | $ 1,537,000 |
| Springfield, MO | 2 | $ 121,000 | $ 60,500 | $ 57,000 |
| Ames, IA | 1 | $ 83,000 | $ 83,000 | $ 122,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| Dallas-Plano-Irving, TX | 1 | $ 4,950,000 | $ 4,950,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 390,000 | $ 390,000 | $ 207,000 |
| Durham, NC | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 230,000 | $ 230,000 | $ 67,000 |
| Grand Forks, ND-MN | 1 | $ 117,000 | $ 117,000 | $ 61,000 |
| Idaho Falls, ID | 1 | $ 146,000 | $ 146,000 | $ 104,000 |
| Jefferson City, MO | 1 | $ 17,000 | $ 17,000 | $ 21,000 |
| Kankakee-Bradley, IL | 1 | $ 25,000 | $ 25,000 | $ 110,000 |
| Lancaster, PA | 1 | $ 190,000 | $ 190,000 | $ 110,000 |
| Las Vegas-Paradise, NV | 1 | $ 222,000 | $ 222,000 | $ 37,000 |
| Lexington-Fayette, KY | 1 | $ 410,000 | $ 410,000 | $ 228,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 300,000 | $ 300,000 | $ 300,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 152,000 | $ 152,000 | $ 18,000 |
| Newark-Union, NJ-PA | 1 | $ 200,000 | $ 200,000 | $ 193,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
| Prescott, AZ | 1 | $ 620,000 | $ 620,000 | $ 240,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 536,000 | $ 536,000 | $ 363,000 |
| Sioux Falls, SD | 1 | $ 10,000 | $ 10,000 | $ 55,000 |
| St. Joseph, MO-KS | 1 | $ 95,000 | $ 95,000 | $ 216,000 |
| Tallahassee, FL | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Associated Bank, N.A. in 2007
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 | 15,059 | $1,658,754,000 | $110,000 | $4,950,000 | $74,000 | $2,760,000 |
| Home Purchase | 10,772 | $1,371,841,000 | $127,000 | $5,712,000 | $79,000 | $3,800,000 |
| Home Improvement | 7,584 | $258,598,000 | $34,000 | $3,600,000 | $75,000 | $1,778,000 |
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 | 29,670 | $2,903,628,000 | $97,000 | $5,712,000 | $77,000 | $2,994,000 |
| Hispanic | 965 | $75,437,000 | $78,000 | $1,133,000 | $66,000 | $1,936,000 |
| Black or African American | 814 | $63,944,000 | $78,000 | $1,360,000 | $79,000 | $3,800,000 |
| Not Provided | 653 | $35,876,000 | $54,000 | $1,400,000 | $79,000 | $1,000,000 |
| Not applicable | 642 | $136,165,000 | $212,000 | $4,950,000 | $6,000 | $627,000 |
| Asian | 489 | $57,205,000 | $116,000 | $871,000 | $77,000 | $627,000 |
| American Indian or Alaskan Native | 148 | $14,879,000 | $100,000 | $1,000,000 | $99,000 | $700,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $2,059,000 | $60,000 | $220,000 | $104,000 | $989,000 |
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) | 33,091 | $3,246,586,000 | $98,000 | $5,712,000 | $76,000 | $3,800,000 |
| FHA-insured (Federal Housing Administration) | 136 | $17,949,000 | $131,000 | $285,000 | $52,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 124 | $18,949,000 | $152,000 | $348,000 | $62,000 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $5,709,000 | $89,000 | $153,000 | $39,000 | $66,000 |
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 | 20,812 | $2,101,391,000 | $100,000 | $5,712,000 | $79,000 | $3,800,000 |
| Application Denied By Financial Institution | 4,812 | $311,893,000 | $64,000 | $1,680,000 | $64,000 | $1,800,000 |
| Application Approved But Not Accepted | 2,932 | $198,235,000 | $67,000 | $1,285,000 | $88,000 | $2,754,000 |
| Loan Purchased By The Institution | 2,453 | $316,212,000 | $128,000 | $632,000 | $65,000 | $757,000 |
| Application Withdrawn By Applicant | 1,418 | $236,028,000 | $166,000 | $2,800,000 | $80,000 | $1,746,000 |
| Preapproval Denied by Financial Institution | 567 | $68,204,000 | $120,000 | $800,000 | $48,000 | $1,078,000 |
| Preapproval Approved but not Accepted | 421 | $57,230,000 | $135,000 | $417,000 | $54,000 | $360,000 |
| File Closed For Incompleteness | 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 | 2,270 | $139,548,000 | $61,000 | $743,000 | $54,000 | $720,000 |
| Credit Application Incomplete | 1,155 | $93,321,000 | $80,000 | $1,680,000 | $73,000 | $1,078,000 |
| Debt-To-Income Ratio | 854 | $69,354,000 | $81,000 | $624,000 | $51,000 | $447,000 |
| Collateral | 656 | $44,023,000 | $67,000 | $1,000,000 | $80,000 | $1,223,000 |
| Other | 371 | $27,205,000 | $73,000 | $750,000 | $71,000 | $880,000 |
| Employment History | 36 | $2,384,000 | $66,000 | $417,000 | $56,000 | $202,000 |
| Unverifiable Information | 33 | $3,672,000 | $111,000 | $460,000 | $106,000 | $1,800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $590,000 | $147,000 | $268,000 | $55,000 | $126,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Associated Bank, N.A.'s 2007 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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