Associated Bank NA Mortgage Lending & HMDA Data, 2018

In 2018, Associated Bank NA of Green Bay, WI reported 20,022 mortgage applications totaling $4.2 billion, up 15% from 2017. The average application was for $211,098, and applicants reported an average income of $120,059. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (2,959), Chicago-Naperville-Arlington Heights, IL (2,296) and Minneapolis-St. Paul-Bloomington, MN-WI (1,837) (applications in parentheses).

Mortgage Company & Address Associated Bank NA
200 North Adams Street
Green Bay, WI 54301
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 20,022
Total Mortgage Loan Application Amount $4,226,610,000
Average Mortgage Loan Application Amount $211,098
Highest Mortgage Loan Application Amount $33,005,000
Average Applicant Income $120,059
Highest Applicant Income $8,892,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Associated Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 NA by Metropolitan Area in 2018

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 3,813 $ 494,955,000 $ 129,807 $ 92,225
Milwaukee-Waukesha-West Allis, WI 2,959 $ 633,585,000 $ 214,121 $ 124,000
Chicago-Naperville-Arlington Heights, IL 2,296 $ 978,350,000 $ 426,110 $ 187,000
Minneapolis-St. Paul-Bloomington, MN-WI 1,837 $ 466,045,000 $ 253,698 $ 143,041
Green Bay, WI 1,368 $ 195,480,000 $ 142,894 $ 105,000
Madison, WI 897 $ 131,245,000 $ 146,315 $ 104,000
Appleton, WI 616 $ 93,520,000 $ 151,818 $ 112,000
Lake County-Kenosha County, IL-WI 587 $ 168,695,000 $ 287,385 $ 147,431
St. Louis, MO-IL 575 $ 168,305,000 $ 292,704 $ 167,840
Janesville-Beloit, WI 510 $ 55,190,000 $ 108,215 $ 77,000
Oshkosh-Neenah, WI 457 $ 67,665,000 $ 148,063 $ 89,000
Racine, WI 387 $ 60,755,000 $ 156,989 $ 87,000
Eau Claire, WI 361 $ 42,225,000 $ 116,966 $ 84,000
Peoria, IL 342 $ 36,720,000 $ 107,368 $ 96,000
La Crosse-Onalaska, WI-MN 335 $ 39,995,000 $ 119,388 $ 94,391
Rockford, IL 323 $ 23,455,000 $ 72,616 $ 69,000
Wausau, WI 298 $ 33,920,000 $ 113,825 $ 87,000
Elgin, IL 210 $ 38,680,000 $ 184,190 $ 93,000
Fond Du Lac, WI 210 $ 28,290,000 $ 134,714 $ 92,000
Sheboygan, WI 207 $ 27,285,000 $ 131,811 $ 93,000
Warren-Troy-Farmington Hills, MI 205 $ 82,385,000 $ 401,878 $ 184,000
Rochester, MN 176 $ 29,080,000 $ 165,227 $ 109,000
Indianapolis-Carmel-Anderson, IN 62 $ 27,350,000 $ 441,129 $ 125,000
Springfield, MO 54 $ 12,980,000 $ 240,370 $ 215,000
Detroit-Dearborn-Livonia, MI 42 $ 27,390,000 $ 652,142 $ 148,000
Phoenix-Mesa-Scottsdale, AZ 24 $ 7,180,000 $ 299,166 $ 269,000
Columbus, OH 21 $ 12,115,000 $ 576,904 $ 202,000
Fort Wayne, IN 18 $ 2,950,000 $ 163,888 $ 85,000
Cape Coral-Fort Myers, FL 17 $ 3,605,000 $ 212,058 $ 174,000
Duluth, MN-WI 15 $ 1,775,000 $ 118,333 $ 93,333
Des Moines-West Des Moines, IA 14 $ 3,920,000 $ 280,000 $ 102,000
Ann Arbor, MI 13 $ 4,975,000 $ 382,692 $ 252,000
Cincinnati, OH-KY-IN 13 $ 5,065,000 $ 389,615 $ 164,384
Niles-Benton Harbor, MI 13 $ 5,865,000 $ 451,153 $ 384,000
Grand Rapids-Wyoming, MI 12 $ 4,150,000 $ 345,833 $ 151,000
Iowa City, IA 11 $ 2,515,000 $ 228,636 $ 262,000
Kansas City, MO-KS 11 $ 4,245,000 $ 385,909 $ 116,181
Lansing-East Lansing, MI 10 $ 1,310,000 $ 131,000 $ 80,000
Naples-Immokalee-Marco Island, FL 9 $ 3,505,000 $ 389,444 $ 278,000
Champaign-Urbana, IL 8 $ 1,360,000 $ 170,000 $ 106,000
Gary, IN 8 $ 3,290,000 $ 411,250 $ 148,000
North Port-Sarasota-Bradenton, FL 7 $ 7,685,000 $ 1,097,857 $ 1,325,000
Kalamazoo-Portage, MI 6 $ 2,230,000 $ 371,666 $ 136,000
Kokomo, IN 6 $ 510,000 $ 85,000 $ 83,000
Mankato-North Mankato, MN 6 $ 600,000 $ 100,000 $ 370,000
Tampa-St. Petersburg-Clearwater, FL 6 $ 1,280,000 $ 213,333 $ 176,000
Cleveland-Elyria, OH 5 $ 6,375,000 $ 1,275,000 $ 63,000
Bloomington, IL 4 $ 620,000 $ 155,000 $ 67,000
Cedar Rapids, IA 4 $ 740,000 $ 185,000 $ 99,000
Flint, MI 4 $ 360,000 $ 90,000 $ 55,000
Punta Gorda, FL 4 $ 770,000 $ 192,500 $ 99,000
St. Cloud, MN 4 $ 910,000 $ 227,500 $ 94,000
Springfield, IL 3 $ 575,000 $ 191,666 $ 38,000
Tucson, AZ 3 $ 815,000 $ 271,666 $ 192,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 2,395,000 $ 798,333 $ 1,358,000
Canton-Massillon, OH 2 $ 950,000 $ 475,000 $ 157,000
Cape Girardeau, MO-IL 2 $ 180,000 $ 90,000 $ 288,000
Carbondale-Marion, IL 2 $ 230,000 $ 115,000 $ 279,000
Columbus, IN 2 $ 140,000 $ 70,000 $ 35,000
Lafayette-West Lafayette, IN 2 $ 540,000 $ 270,000 $ 119,000
Michigan City-La Porte, IN 2 $ 1,430,000 $ 715,000 $ 586,000
Muskegon, MI 2 $ 1,010,000 $ 505,000 $ 190,000
Panama City, FL 2 $ 650,000 $ 325,000 $ 65,000
The Villages, FL 2 $ 280,000 $ 140,000 $ 98,000
Akron, OH 1 $ 215,000 $ 215,000 $ 115,000
Ames, IA 1 $ 55,000 $ 55,000 $ 18,000
Battle Creek, MI 1 $ 1,605,000 $ 1,605,000 $ 0
Charlotte-Concord-Gastonia, NC-SC 1 $ 65,000 $ 65,000 $ 300,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 295,000 $ 295,000 $ 148,000
Davenport-Moline-Rock Island, IA-IL 1 $ 25,000 $ 25,000 $ 120,000
Decatur, IL 1 $ 495,000 $ 495,000 $ 191,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 135,000 $ 135,000 $ 111,000
Elizabethtown-Fort Knox, KY 1 $ 895,000 $ 895,000 $ 0
Fargo, ND-MN 1 $ 195,000 $ 195,000 $ 88,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 1 $ 455,000 $ 455,000 $ 123,000
Houston-The Woodlands-Sugar Land, TX 1 $ 33,005,000 $ 33,005,000 $ 0
Huntington-Ashland, WV-KY-OH 1 $ 9,805,000 $ 9,805,000 $ 0
Jefferson City, MO 1 $ 255,000 $ 255,000 $ 88,000
Kankakee, IL 1 $ 175,000 $ 175,000 $ 142,000
Lakeland-Winter Haven, FL 1 $ 205,000 $ 205,000 $ 90,000
Midland, MI 1 $ 85,000 $ 85,000 $ 31,000
Monroe, MI 1 $ 485,000 $ 485,000 $ 164,000
Orlando-Kissimmee-Sanford, FL 1 $ 535,000 $ 535,000 $ 2,650,000
Pensacola-Ferry Pass-Brent, FL 1 $ 265,000 $ 265,000 $ 152,000
Port St. Lucie, FL 1 $ 175,000 $ 175,000 $ 96,000
Sierra Vista-Douglas, AZ 1 $ 95,000 $ 95,000 $ 130,000
Terre Haute, IN 1 $ 55,000 $ 55,000 $ 23,000
Toledo, OH 1 $ 5,275,000 $ 5,275,000 $ 0
Waterloo-Cedar Falls, IA 1 $ 125,000 $ 125,000 $ 101,000
Wichita, KS 1 $ 3,435,000 $ 3,435,000 $ 0

Mortgage Loan Application Detail Totals for Associated Bank NA in 2018

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 Purchase 10,175 $2,761,285,000 $271,000 $23,385,000 $124,000 $8,892,000
Refinancing 3,411 $755,725,000 $221,000 $33,005,000 $132,000 $2,273,000
Other Purpose 2,945 $190,015,000 $64,000 $4,415,000 $114,000 $8,068,000
Cash-out Refinancing 1,902 $428,120,000 $225,000 $25,005,000 $102,000 $2,011,000
Home Improvement 1,491 $78,685,000 $52,000 $5,005,000 $105,000 $2,027,000
Not Applicable 98 $12,780,000 $130,000 $335,000 $57,000 $194,000

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 16,700 $3,349,740,000 $200,000 $6,505,000 $120,000 $8,892,000
Hispanic 1,096 $173,870,000 $158,000 $2,375,000 $73,000 $2,054,000
Black or African American 720 $112,760,000 $156,000 $1,505,000 $79,000 $1,100,000
Not Provided 667 $155,275,000 $232,000 $2,105,000 $225,000 $3,121,000
Asian 570 $155,480,000 $272,000 $3,005,000 $137,000 $1,182,000
Not applicable 114 $249,390,000 $2,187,000 $33,005,000 $27,000 $36,000
American Indian or Alaskan Native 97 $14,985,000 $154,000 $2,995,000 $112,000 $1,298,000
Native Hawaiian or Other Pacific Islander 10 $1,030,000 $103,000 $185,000 $71,000 $113,000

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) 18,882 $4,050,260,000 $214,000 $33,005,000 $124,000 $8,892,000
FHA-insured (Federal Housing Administration) 695 $103,805,000 $149,000 $465,000 $55,000 $187,000
VA-guaranteed (Veterans Administration) 291 $53,525,000 $183,000 $545,000 $70,000 $233,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 154 $19,020,000 $123,000 $355,000 $47,000 $100,000

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 13,720 $2,938,620,000 $214,000 $13,065,000 $128,000 $8,892,000
Application Denied By Financial Institution 3,582 $681,310,000 $190,000 $25,005,000 $100,000 $8,068,000
Application Withdrawn By Applicant 1,176 $294,640,000 $250,000 $33,005,000 $117,000 $1,314,000
Preapproval Denied by Financial Institution 384 $66,060,000 $172,000 $1,005,000 $63,000 $638,000
Loan Purchased By The Institution 378 $56,390,000 $149,000 $675,000 $64,000 $582,000
Application Approved But Not Accepted 362 $81,230,000 $224,000 $1,705,000 $130,000 $1,705,000
File Closed For Incompleteness 235 $68,865,000 $293,000 $2,765,000 $175,000 $2,469,000
Preapproval Approved but not Accepted 185 $39,495,000 $213,000 $1,505,000 $80,000 $1,372,000

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
Not applicable 16,056 $3,479,240,000 $216,000 $33,005,000 $126,000 $8,892,000
Debt-To-Income Ratio 1,635 $281,275,000 $172,000 $2,305,000 $65,000 $555,000
Credit History 1,048 $139,030,000 $132,000 $25,005,000 $95,000 $1,512,000
Collateral 623 $126,005,000 $202,000 $4,355,000 $141,000 $2,513,000
Unverifiable Information 319 $76,465,000 $239,000 $4,415,000 $145,000 $8,068,000
Credit Application Incomplete 123 $55,125,000 $448,000 $6,505,000 $169,000 $2,627,000
Other 108 $45,160,000 $418,000 $23,385,000 $99,000 $549,000
Employment History 73 $16,305,000 $223,000 $1,025,000 $109,000 $680,000
Insufficient Cash (Downpayment, Closing Cost) 33 $5,505,000 $166,000 $855,000 $78,000 $362,000
Mortgage Insurance Denied 4 $2,500,000 $625,000 $885,000 $221,000 $326,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Associated Bank NA's 2018 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 NA'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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