M&I Marshall & Ilsley Bank Mortgage Lending & HMDA Data, 2011
In 2011, M&I Marshall & Ilsley Bank of Cedarburg, WI reported 12,651 mortgage applications totaling $2.2 billion. The average application was for $177,269, and applicants reported an average income of $103,801. 52% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (1,842), Madison, WI (984) and Indianapolis-Carmel, IN (889) (applications in parentheses).
| Mortgage Company & Address | M&I Marshall & Ilsley Bank W57n14280 Doerr Way Cedarburg, WI 53012 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 |
| Total Number of Mortgage Applications | 12,651 |
| Total Mortgage Loan Application Amount | $2,242,641,000 |
| Average Mortgage Loan Application Amount | $177,269 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $103,801 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records M&I Marshall & Ilsley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for M&I Marshall & Ilsley Bank in 2011
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 | 7,168 | $1,419,364,000 | $198,000 | $13,359,000 | $118,000 | $9,999,000 |
| Home Purchase | 4,824 | $748,979,000 | $155,000 | $25,000,000 | $85,000 | $3,969,000 |
| Home Improvement | 659 | $74,298,000 | $112,000 | $2,247,000 | $87,000 | $2,547,000 |
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 | 10,406 | $1,725,496,000 | $165,000 | $7,600,000 | $105,000 | $9,999,000 |
| Not Provided | 657 | $115,681,000 | $176,000 | $2,150,000 | $128,000 | $3,609,000 |
| Hispanic | 592 | $55,458,000 | $93,000 | $1,000,000 | $50,000 | $750,000 |
| Not applicable | 364 | $264,477,000 | $726,000 | $25,000,000 | $149,000 | $2,947,000 |
| Black or African American | 297 | $31,323,000 | $105,000 | $700,000 | $62,000 | $2,403,000 |
| Asian | 289 | $43,173,000 | $149,000 | $1,000,000 | $89,000 | $962,000 |
| American Indian or Alaskan Native | 25 | $3,409,000 | $136,000 | $550,000 | $83,000 | $401,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $3,624,000 | $172,000 | $395,000 | $124,000 | $627,000 |
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) | 10,891 | $2,009,901,000 | $184,000 | $25,000,000 | $112,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,546 | $200,573,000 | $129,000 | $527,000 | $53,000 | $486,000 |
| VA-guaranteed (Veterans Administration) | 214 | $32,167,000 | $150,000 | $455,000 | $60,000 | $228,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 6,600 | $1,266,861,000 | $191,000 | $23,075,000 | $119,000 | $3,969,000 |
| Application Denied By Financial Institution | 2,556 | $423,118,000 | $165,000 | $10,650,000 | $87,000 | $2,403,000 |
| Preapproval Denied by Financial Institution | 1,508 | $149,591,000 | $99,000 | $1,125,000 | $49,000 | $1,061,000 |
| Application Withdrawn By Applicant | 832 | $194,744,000 | $234,000 | $25,000,000 | $109,000 | $1,678,000 |
| File Closed For Incompleteness | 597 | $109,054,000 | $182,000 | $1,800,000 | $124,000 | $1,600,000 |
| Application Approved But Not Accepted | 551 | $97,870,000 | $177,000 | $2,095,000 | $129,000 | $9,999,000 |
| Loan Purchased By The Institution | 7 | $1,403,000 | $200,000 | $362,000 | $0 | $0 |
| 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 | 1,840 | $194,571,000 | $105,000 | $1,500,000 | $63,000 | $2,403,000 |
| Debt-To-Income Ratio | 976 | $151,934,000 | $155,000 | $2,378,000 | $47,000 | $500,000 |
| Collateral | 868 | $153,464,000 | $176,000 | $2,400,000 | $112,000 | $2,086,000 |
| Other | 200 | $47,081,000 | $235,000 | $10,650,000 | $130,000 | $1,061,000 |
| Unverifiable Information | 73 | $10,588,000 | $145,000 | $500,000 | $57,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 47 | $8,684,000 | $184,000 | $640,000 | $92,000 | $331,000 |
| Employment History | 42 | $4,718,000 | $112,000 | $520,000 | $41,000 | $281,000 |
| Credit Application Incomplete | 11 | $962,000 | $87,000 | $170,000 | $47,000 | $204,000 |
| Mortgage Insurance Denied | 7 | $707,000 | $101,000 | $162,000 | $37,000 | $57,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&I Marshall & Ilsley Bank's 2011 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 M&I Marshall & Ilsley Bank'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.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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