Associated Mortgage Co, Inc Mortgage Lending & HMDA Data, 2004
In 2004, Associated Mortgage Co, Inc of Depere, WI reported 14,119 mortgage applications totaling $1.7 billion, down 67% from 2003. The average application was for $119,558, and applicants reported an average income of $71,600. 45% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (1,419), Green Bay, WI (1,190) and Appleton, WI (944) (applications in parentheses).
| Mortgage Company & Address | Associated Mortgage Co, Inc 301 N Broadway St Depere, WI 54115 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 14,119 |
| Total Mortgage Loan Application Amount | $1,688,052,000 |
| Average Mortgage Loan Application Amount | $119,558 |
| Highest Mortgage Loan Application Amount | $1,540,000 |
| Average Applicant Income | $71,600 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Associated Mortgage Co, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,419 | $ 203,893,000 | $ 143,687 | $ 78,000 |
| Green Bay, WI | 1,190 | $ 147,658,000 | $ 124,082 | $ 75,000 |
| Appleton, WI | 944 | $ 112,808,000 | $ 119,500 | $ 62,000 |
| Oshkosh-Neenah, WI | 736 | $ 87,216,000 | $ 118,500 | $ 103,000 |
| Sheboygan, WI | 580 | $ 65,915,000 | $ 113,646 | $ 55,000 |
| Madison, WI | 535 | $ 84,864,000 | $ 158,624 | $ 74,000 |
| Peoria, IL | 400 | $ 35,439,000 | $ 88,597 | $ 50,000 |
| Rockford, IL | 335 | $ 31,383,000 | $ 93,680 | $ 72,000 |
| Racine, WI | 296 | $ 33,568,000 | $ 113,405 | $ 63,000 |
| Wausau, WI | 283 | $ 29,878,000 | $ 105,575 | $ 93,000 |
| Fond Du Lac, WI | 271 | $ 31,149,000 | $ 114,940 | $ 50,000 |
| Chicago-Naperville-Joliet, IL | 206 | $ 34,112,000 | $ 165,592 | $ 86,000 |
| La Crosse, WI-MN | 187 | $ 20,567,000 | $ 109,983 | $ 67,000 |
| Janesville, WI | 176 | $ 19,230,000 | $ 109,261 | $ 54,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 162 | $ 32,031,000 | $ 197,722 | $ 251,000 |
| Eau Claire, WI | 96 | $ 10,872,000 | $ 113,250 | $ 57,000 |
| Waterloo-Cedar Falls, IA | 13 | $ 1,253,000 | $ 96,384 | $ 61,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 2,203,000 | $ 183,583 | $ 103,000 |
| St. Louis, MO-IL | 12 | $ 1,604,000 | $ 133,666 | $ 80,000 |
| Clarksville, TN-KY | 10 | $ 1,053,000 | $ 105,300 | $ 57,000 |
| Duluth, MN-WI | 9 | $ 740,000 | $ 82,222 | $ 50,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,672,000 | $ 209,000 | $ 166,000 |
| Cedar Rapids, IA | 7 | $ 687,000 | $ 98,142 | $ 45,000 |
| Rochester, MN | 7 | $ 990,000 | $ 141,428 | $ 54,000 |
| Dubuque, IA | 6 | $ 503,000 | $ 83,833 | $ 33,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 744,000 | $ 148,800 | $ 393,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,007,000 | $ 201,400 | $ 156,000 |
| Bloomington-Normal, IL | 2 | $ 203,000 | $ 101,500 | $ 78,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 188,000 | $ 94,000 | $ 38,000 |
| Naples-Marco Island, FL | 2 | $ 453,000 | $ 226,500 | $ 187,000 |
| Ames, IA | 1 | $ 96,000 | $ 96,000 | $ 45,000 |
| Ann Arbor, MI | 1 | $ 250,000 | $ 250,000 | $ 128,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 49,000 | $ 49,000 | $ 25,000 |
| Dallas-Plano-Irving, TX | 1 | $ 192,000 | $ 192,000 | $ 127,000 |
| Decatur, IL | 1 | $ 32,000 | $ 32,000 | $ 41,000 |
| Des Moines, IA | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 164,000 | $ 164,000 | $ 105,000 |
| Fort Wayne, IN | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Kankakee-Bradley, IL | 1 | $ 66,000 | $ 66,000 | $ 812,000 |
| Lansing-East Lansing, MI | 1 | $ 132,000 | $ 132,000 | $ 155,000 |
| Louisville, KY-IN | 1 | $ 102,000 | $ 102,000 | $ 25,000 |
| Punta Gorda, FL | 1 | $ 54,000 | $ 54,000 | $ 73,000 |
| Sioux City, IA-NE-SD | 1 | $ 72,000 | $ 72,000 | $ 98,000 |
| Springfield, IL | 1 | $ 61,000 | $ 61,000 | $ 36,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 143,000 | $ 143,000 | $ 21,000 |
| Tucson, AZ | 1 | $ 220,000 | $ 220,000 | $ 39,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 89,000 | $ 89,000 | $ 74,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 248,000 | $ 248,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Associated Mortgage Co, Inc 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 |
|---|---|---|---|---|---|---|
| Refinancing | 9,521 | $1,128,555,000 | $128,090 | $1,540,000 | $108,181 | $9,999,000 |
| Home Purchase | 4,560 | $555,867,000 | $127,083 | $731,000 | $75,333 | $1,760,000 |
| Home Improvement | 38 | $3,630,000 | $93,200 | $334,000 | $49,800 | $461,000 |
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 | 13,549 | $1,626,853,000 | $124,714 | $1,540,000 | $78,785 | $1,760,000 |
| Black or African American | 201 | $20,104,000 | $158,666 | $355,000 | $83,333 | $432,000 |
| Hispanic | 201 | $20,498,000 | $112,800 | $300,000 | $47,600 | $158,000 |
| Asian | 110 | $13,583,000 | $128,600 | $300,000 | $65,200 | $350,000 |
| American Indian or Alaskan Native | 34 | $3,646,000 | $112,400 | $228,000 | $103,600 | $292,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,258,000 | $131,000 | $245,000 | $58,000 | $99,000 |
| Not Provided | 9 | $1,093,000 | $140,750 | $230,000 | $46,250 | $115,000 |
| Not applicable | 5 | $1,017,000 | $186,000 | $237,000 | $1,781,500 | $9,999,000 |
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) | 13,775 | $1,655,211,000 | $125,615 | $1,540,000 | $87,769 | $9,999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 242 | $21,040,000 | $77,200 | $180,000 | $33,400 | $93,000 |
| VA-guaranteed (Veterans Administration) | 86 | $10,202,000 | $119,000 | $284,000 | $51,800 | $106,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,599,000 | $102,000 | $178,000 | $35,333 | $67,000 |
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 | 6,339 | $781,040,000 | $144,125 | $991,000 | $121,250 | $9,999,000 |
| Loan Purchased By The Institution | 5,843 | $670,038,000 | $123,636 | $731,000 | $97,090 | $1,490,000 |
| Application Denied By Financial Institution | 568 | $69,736,000 | $109,625 | $1,540,000 | $59,625 | $1,585,000 |
| Preapproval Approved but not Accepted | 528 | $68,543,000 | $129,000 | $355,000 | $55,000 | $246,000 |
| Application Approved But Not Accepted | 360 | $42,527,000 | $105,428 | $645,000 | $68,714 | $910,000 |
| Preapproval Denied by Financial Institution | 265 | $29,932,000 | $112,000 | $705,000 | $43,000 | $452,000 |
| Application Withdrawn By Applicant | 216 | $26,236,000 | $134,000 | $1,435,000 | $75,000 | $572,000 |
| 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 | 428 | $42,862,000 | $85,571 | $416,000 | $46,857 | $293,000 |
| Debt-To-Income Ratio | 118 | $14,149,000 | $99,000 | $949,000 | $44,666 | $301,000 |
| Credit Application Incomplete | 109 | $19,664,000 | $189,750 | $1,540,000 | $83,750 | $452,000 |
| Other | 100 | $12,479,000 | $99,142 | $733,000 | $51,142 | $1,585,000 |
| Collateral | 61 | $8,191,000 | $144,142 | $650,000 | $88,857 | $353,000 |
| Unverifiable Information | 7 | $890,000 | $105,000 | $238,000 | $25,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $769,000 | $149,750 | $334,000 | $50,000 | $100,000 |
| Employment History | 4 | $664,000 | $167,333 | $260,000 | $27,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Associated Mortgage Co, Inc'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 Mortgage Co, Inc'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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