M&I Marshall & Ilsley Bank Mortgage Lending & HMDA Data, 2005

In 2005, M&I Marshall & Ilsley Bank of Cedarburg, WI reported 15,274 mortgage applications totaling $3.2 billion, down 14% from 2004. The average application was for $211,249, and applicants reported an average income of $78,645. 79% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (3,196), Madison, WI (2,087) and Milwaukee-Waukesha-West Allis, WI (1,664) (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 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 15,274
Total Mortgage Loan Application Amount $3,226,627,000
Average Mortgage Loan Application Amount $211,249
Highest Mortgage Loan Application Amount $15,190,000
Average Applicant Income $78,645
Highest Applicant Income $7,161,000

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records M&I Marshall & Ilsley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for M&I Marshall & Ilsley Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 2,614 $ 1,113,825,000 $ 426,099 $ 97,000
Dane, Wisconsin 1,933 $ 352,925,000 $ 182,578 $ 89,000
Milwaukee, Wisconsin 944 $ 128,109,000 $ 135,708 $ 50,000
Pinal, Arizona 582 $ 101,025,000 $ 173,582 $ 44,000
Yavapai, Arizona 569 $ 137,698,000 $ 242,000 $ 73,000
Pima, Arizona 516 $ 125,779,000 $ 243,757 $ 66,000
Waukesha, Wisconsin 411 $ 97,118,000 $ 236,296 $ 159,000
Brown, Wisconsin 397 $ 58,861,000 $ 148,264 $ 65,000
Rock, Wisconsin 344 $ 44,288,000 $ 128,744 $ 67,000
Mohave, Arizona 328 $ 43,325,000 $ 132,088 $ 50,000
Racine, Wisconsin 318 $ 36,921,000 $ 116,103 $ 53,000
Sheboygan, Wisconsin 288 $ 33,329,000 $ 115,725 $ 66,000
Marathon, Wisconsin 236 $ 30,476,000 $ 129,135 $ 68,000
Washington, Wisconsin 216 $ 35,765,000 $ 165,578 $ 91,000
Outagamie, Wisconsin 212 $ 39,832,000 $ 187,886 $ 70,000
Kenosha, Wisconsin 206 $ 28,210,000 $ 136,941 $ 89,000
Hennepin, Minnesota 200 $ 48,554,000 $ 242,770 $ 153,000
Dodge, Wisconsin 194 $ 23,534,000 $ 121,309 $ 52,000
Portage, Wisconsin 188 $ 18,681,000 $ 99,367 $ 46,000
Sauk, Wisconsin 185 $ 27,801,000 $ 150,275 $ 94,000
Winnebago, Wisconsin 182 $ 31,961,000 $ 175,609 $ 100,000
Oneida, Wisconsin 178 $ 24,387,000 $ 137,005 $ 105,000
Vilas, Wisconsin 153 $ 25,290,000 $ 165,294 $ 107,000
Fond du Lac, Wisconsin 144 $ 22,185,000 $ 154,062 $ 85,000
Manitowoc, Wisconsin 135 $ 16,952,000 $ 125,570 $ 45,000
Adams, Wisconsin 132 $ 12,630,000 $ 95,681 $ 60,000
Navajo, Arizona 124 $ 25,113,000 $ 202,524 $ 83,000
Coconino, Arizona 117 $ 36,794,000 $ 314,478 $ 103,000
Columbia, Wisconsin 115 $ 20,271,000 $ 176,269 $ 66,000
Chippewa, Wisconsin 114 $ 12,361,000 $ 108,429 $ 49,000
Lincoln, Wisconsin 111 $ 6,995,000 $ 63,018 $ 52,000
Walworth, Wisconsin 111 $ 17,599,000 $ 158,549 $ 72,000
Wood, Wisconsin 111 $ 15,125,000 $ 136,261 $ 54,000
Clark, Wisconsin 107 $ 9,829,000 $ 91,859 $ 34,000
Shawano, Wisconsin 101 $ 13,109,000 $ 129,792 $ 73,000
Marinette, Wisconsin 94 $ 12,592,000 $ 133,957 $ 75,000
Gila, Arizona 93 $ 15,699,000 $ 168,806 $ 73,000
Ozaukee, Wisconsin 93 $ 23,656,000 $ 254,365 $ 136,000
Calumet, Wisconsin 84 $ 7,694,000 $ 91,595 $ 77,000
La Crosse, Wisconsin 81 $ 8,180,000 $ 100,987 $ 54,000
Eau Claire, Wisconsin 79 $ 10,450,000 $ 132,278 $ 54,000
Jefferson, Wisconsin 77 $ 14,937,000 $ 193,987 $ 50,000
Ashland, Wisconsin 75 $ 5,658,000 $ 75,440 $ 49,000
Waupaca, Wisconsin 75 $ 7,394,000 $ 98,586 $ 59,000
Waushara, Wisconsin 75 $ 7,856,000 $ 104,746 $ 56,000
Marquette, Wisconsin 69 $ 5,945,000 $ 86,159 $ 71,000
Pierce, Wisconsin 67 $ 8,661,000 $ 129,268 $ 53,000
Langlade, Wisconsin 61 $ 5,742,000 $ 94,131 $ 73,000
Douglas, Wisconsin 59 $ 3,855,000 $ 65,338 $ 50,000
Dakota, Minnesota 58 $ 7,568,000 $ 130,482 $ 101,000
Oconto, Wisconsin 56 $ 7,153,000 $ 127,732 $ 101,000
Kewaunee, Wisconsin 47 $ 5,127,000 $ 109,085 $ 48,000
Ramsey, Minnesota 46 $ 15,752,000 $ 342,434 $ 63,000
St. Louis, Minnesota 46 $ 6,602,000 $ 143,521 $ 85,000
Juneau, Wisconsin 45 $ 5,312,000 $ 118,044 $ 71,000
Iowa, Wisconsin 41 $ 5,629,000 $ 137,292 $ 73,000
Anoka, Minnesota 39 $ 6,374,000 $ 163,435 $ 84,000
Bayfield, Wisconsin 39 $ 4,209,000 $ 107,923 $ 66,000
Washington, Minnesota 38 $ 5,809,000 $ 152,868 $ 90,000
Door, Wisconsin 37 $ 7,997,000 $ 216,135 $ 182,000
Green, Wisconsin 36 $ 4,425,000 $ 122,916 $ 64,000
Scott, Minnesota 32 $ 4,822,000 $ 150,687 $ 88,000
Dunn, Wisconsin 32 $ 5,126,000 $ 160,187 $ 70,000
Richland, Wisconsin 30 $ 7,002,000 $ 233,400 $ 48,000
Cochise, Arizona 29 $ 3,985,000 $ 137,413 $ 37,000
Green Lake, Wisconsin 29 $ 4,860,000 $ 167,586 $ 181,000
Grant, Wisconsin 28 $ 7,823,000 $ 279,392 $ 66,000
Lee, Florida 27 $ 9,022,000 $ 334,148 $ 265,000
Wright, Minnesota 27 $ 4,450,000 $ 164,814 $ 123,000
St. Croix, Wisconsin 26 $ 4,550,000 $ 175,000 $ 81,000
Winnebago, Illinois 25 $ 1,915,000 $ 76,600 $ 70,000
Goodhue, Minnesota 21 $ 3,265,000 $ 155,476 $ 99,000
Carver, Minnesota 19 $ 2,330,000 $ 122,631 $ 102,000
Lake, Illinois 18 $ 3,322,000 $ 184,555 $ 94,000
Santa Cruz, Arizona 16 $ 4,763,000 $ 297,687 $ 193,000
Cook, Illinois 15 $ 3,003,000 $ 200,200 $ 147,000
Yuma, Arizona 14 $ 3,543,000 $ 253,071 $ 78,000
Sherburne, Minnesota 13 $ 1,380,000 $ 106,153 $ 63,000
Apache, Arizona 11 $ 2,014,000 $ 183,090 $ 27,000
Price, Wisconsin 11 $ 902,000 $ 82,000 $ 74,000
Sawyer, Wisconsin 11 $ 2,377,000 $ 216,090 $ 83,000
Forest, Wisconsin 10 $ 1,429,000 $ 142,900 $ 95,000
Collier, Florida 9 $ 7,529,000 $ 836,555 $ 416,000
Gogebic, Michigan 9 $ 1,123,000 $ 124,777 $ 84,000
Pepin, Wisconsin 9 $ 738,000 $ 82,000 $ 48,000
Graham, Arizona 8 $ 1,096,000 $ 137,000 $ 50,000
DuPage, Illinois 8 $ 1,178,000 $ 147,250 $ 89,000
Monroe, Wisconsin 8 $ 1,071,000 $ 133,875 $ 78,000
Trempealeau, Wisconsin 8 $ 889,000 $ 111,125 $ 313,000
Hillsborough, Florida 7 $ 1,592,000 $ 227,428 $ 271,000
Menominee, Michigan 7 $ 1,325,000 $ 189,285 $ 28,000
Menominee, Wisconsin 7 $ 691,000 $ 98,714 $ 82,000
Vernon, Wisconsin 7 $ 648,000 $ 92,571 $ 64,000
Washburn, Wisconsin 7 $ 685,000 $ 97,857 $ 86,000
Stearns, Minnesota 6 $ 527,000 $ 87,833 $ 136,000
Barron, Wisconsin 6 $ 679,000 $ 113,166 $ 54,000
Iron, Wisconsin 6 $ 418,000 $ 69,666 $ 55,000
Taylor, Wisconsin 6 $ 1,040,000 $ 173,333 $ 23,000
Kane, Illinois 5 $ 869,000 $ 173,800 $ 95,000
Winona, Minnesota 5 $ 2,220,000 $ 444,000 $ 57,000
Crawford, Wisconsin 5 $ 401,000 $ 80,200 $ 41,000
Jackson, Wisconsin 5 $ 937,000 $ 187,400 $ 64,000
Polk, Wisconsin 5 $ 686,000 $ 137,200 $ 84,000
Sarasota, Florida 4 $ 9,017,000 $ 2,254,250 $ 253,000
Sumter, Florida 4 $ 227,000 $ 56,750 $ 71,000
Midland, Michigan 4 $ 262,000 $ 65,500 $ 130,000
Benton, Minnesota 4 $ 3,397,000 $ 849,250 $ 25,000
Chisago, Minnesota 4 $ 825,000 $ 206,250 $ 74,000
Crow Wing, Minnesota 4 $ 791,000 $ 197,750 $ 66,000
Isanti, Minnesota 4 $ 239,000 $ 59,750 $ 30,000
Rice, Minnesota 4 $ 749,000 $ 187,250 $ 60,000
Nye, Nevada 4 $ 567,000 $ 141,750 $ 48,000
Florence, Wisconsin 4 $ 362,000 $ 90,500 $ 42,000
Rusk, Wisconsin 4 $ 554,000 $ 138,500 $ 80,000
La Paz, Arizona 3 $ 395,000 $ 131,666 $ 109,000
Broward, Florida 3 $ 304,000 $ 101,333 $ 195,000
Highlands, Florida 3 $ 176,000 $ 58,666 $ 0
Lake, Florida 3 $ 575,000 $ 191,666 $ 194,000
Manatee, Florida 3 $ 1,327,000 $ 442,333 $ 525,000
Martin, Florida 3 $ 218,000 $ 72,666 $ 126,000
Boone, Illinois 3 $ 516,000 $ 172,000 $ 55,000
Jo Daviess, Illinois 3 $ 88,000 $ 29,333 $ 53,000
Iron, Michigan 3 $ 263,000 $ 87,666 $ 129,000
Steele, Minnesota 3 $ 89,000 $ 29,666 $ 101,000
Waseca, Minnesota 3 $ 155,000 $ 51,666 $ 165,000
St. Charles, Missouri 3 $ 859,000 $ 286,333 $ 226,000
Charlotte, Florida 2 $ 131,000 $ 65,500 $ 182,000
Orange, Florida 2 $ 805,000 $ 402,500 $ 173,000
Palm Beach, Florida 2 $ 315,000 $ 157,500 $ 159,000
Walton, Florida 2 $ 344,000 $ 172,000 $ 141,000
Whiteside, Illinois 2 $ 323,000 $ 161,500 $ 78,000
Polk, Iowa 2 $ 13,360,000 $ 6,680,000 $ 0
Delta, Michigan 2 $ 82,000 $ 41,000 $ 56,000
Kent, Michigan 2 $ 181,000 $ 90,500 $ 67,000
Becker, Minnesota 2 $ 291,000 $ 145,500 $ 97,000
Carlton, Minnesota 2 $ 335,000 $ 167,500 $ 74,000
Olmsted, Minnesota 2 $ 2,184,000 $ 1,092,000 $ 206,000
Erie, Ohio 2 $ 630,000 $ 315,000 $ 0
Buffalo, Wisconsin 2 $ 146,000 $ 73,000 $ 197,000
Burnett, Wisconsin 2 $ 116,000 $ 58,000 $ 112,000
Bay, Florida 1 $ 1,640,000 $ 1,640,000 $ 330,000
Citrus, Florida 1 $ 15,000 $ 15,000 $ 41,000
Escambia, Florida 1 $ 270,000 $ 270,000 $ 240,000
Franklin, Florida 1 $ 250,000 $ 250,000 $ 108,000
Indian River, Florida 1 $ 800,000 $ 800,000 $ 482,000
Leon, Florida 1 $ 35,000 $ 35,000 $ 105,000
Marion, Florida 1 $ 64,000 $ 64,000 $ 79,000
Miami-Dade, Florida 1 $ 302,000 $ 302,000 $ 109,000
Santa Rosa, Florida 1 $ 133,000 $ 133,000 $ 0
DeKalb, Illinois 1 $ 16,000 $ 16,000 $ 71,000
Lee, Illinois 1 $ 25,000 $ 25,000 $ 25,000
McHenry, Illinois 1 $ 12,000 $ 12,000 $ 48,000
Rock Island, Illinois 1 $ 2,045,000 $ 2,045,000 $ 0
Stephenson, Illinois 1 $ 240,000 $ 240,000 $ 71,000
Will, Illinois 1 $ 32,000 $ 32,000 $ 98,000
Linn, Iowa 1 $ 3,741,000 $ 3,741,000 $ 0
Scott, Iowa 1 $ 6,500,000 $ 6,500,000 $ 0
Sedgwick, Kansas 1 $ 2,496,000 $ 2,496,000 $ 0
Dickinson, Michigan 1 $ 4,000 $ 4,000 $ 64,000
Houghton, Michigan 1 $ 365,000 $ 365,000 $ 72,000
Ontonagon, Michigan 1 $ 128,000 $ 128,000 $ 60,000
Washtenaw, Michigan 1 $ 129,000 $ 129,000 $ 94,000
Blue Earth, Minnesota 1 $ 15,000 $ 15,000 $ 58,000
Cass, Minnesota 1 $ 52,000 $ 52,000 $ 62,000
Cook, Minnesota 1 $ 164,000 $ 164,000 $ 60,000
Douglas, Minnesota 1 $ 55,000 $ 55,000 $ 140,000
Fillmore, Minnesota 1 $ 53,000 $ 53,000 $ 15,000
Houston, Minnesota 1 $ 7,000 $ 7,000 $ 31,000
Koochiching, Minnesota 1 $ 8,000 $ 8,000 $ 60,000
Lake, Minnesota 1 $ 105,000 $ 105,000 $ 26,000
Lake of the Woods, Minnesota 1 $ 27,000 $ 27,000 $ 82,000
Lincoln, Minnesota 1 $ 14,000 $ 14,000 $ 100,000
Mille Lacs, Minnesota 1 $ 182,000 $ 182,000 $ 31,000
Otter Tail, Minnesota 1 $ 275,000 $ 275,000 $ 506,000
Redwood, Minnesota 1 $ 45,000 $ 45,000 $ 54,000
Sibley, Minnesota 1 $ 37,000 $ 37,000 $ 77,000
Todd, Minnesota 1 $ 85,000 $ 85,000 $ 44,000
Cass, Missouri 1 $ 10,000 $ 10,000 $ 35,000
Jackson, Missouri 1 $ 15,190,000 $ 15,190,000 $ 0
St. Louis, Missouri 1 $ 200,000 $ 200,000 $ 101,000
St. Louis City, Missouri 1 $ 83,000 $ 83,000 $ 0
Clark, Nevada 1 $ 344,000 $ 344,000 $ 79,000
Lafayette, Wisconsin 1 $ 80,000 $ 80,000 $ 29,000

Mortgage Loan Application Detail Totals for M&I Marshall & Ilsley Bank 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
Home Purchase 10,085 $2,489,037,000 $1,200,666 $15,190,000 $73,666 $7,161,000
Refinancing 3,913 $597,882,000 $198,625 $10,000,000 $89,625 $5,435,000
Home Improvement 1,276 $139,708,000 $149,333 $5,250,000 $91,666 $1,100,000

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 11,356 $2,112,798,000 $183,888 $11,919,000 $92,555 $7,161,000
Not Provided 1,960 $520,336,000 $558,000 $10,000,000 $126,375 $5,435,000
Hispanic 812 $121,054,000 $121,800 $1,960,000 $58,800 $917,000
Not applicable 614 $373,063,000 $2,158,800 $15,190,000 $26,800 $1,350,000
Black or African American 249 $38,569,000 $162,666 $3,800,000 $90,666 $2,100,000
Asian 218 $50,571,000 $160,833 $3,463,000 $99,833 $1,776,000
American Indian or Alaskan Native 42 $3,413,000 $107,333 $620,000 $77,666 $273,000
Native Hawaiian or Other Pacific Islander 23 $6,823,000 $195,500 $1,054,000 $72,250 $429,000

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) 15,274 $3,226,627,000 $1,053,166 $15,190,000 $66,833 $7,161,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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 12,063 $2,638,716,000 $1,470,600 $15,190,000 $75,000 $7,161,000
Application Denied By Financial Institution 1,367 $190,219,000 $166,625 $3,463,000 $70,000 $1,170,000
Application Approved But Not Accepted 952 $199,658,000 $640,900 $6,500,000 $71,500 $1,776,000
Application Withdrawn By Applicant 617 $153,820,000 $182,000 $12,750,000 $95,125 $1,123,000
File Closed For Incompleteness 175 $40,163,000 $158,500 $2,000,000 $105,000 $1,124,000
Preapproval Denied by Financial Institution 95 $3,707,000 $39,000 $325,000 $38,000 $220,000
Loan Purchased By The Institution 5 $344,000 $96,000 $142,000 $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
Debt-To-Income Ratio 517 $61,332,000 $104,500 $1,250,000 $78,333 $393,000
Credit History 512 $35,606,000 $88,714 $1,300,000 $62,142 $600,000
Collateral 203 $29,527,000 $327,400 $1,680,000 $86,400 $725,000
Other 103 $18,040,000 $148,200 $1,280,000 $67,400 $792,000
Credit Application Incomplete 44 $18,634,000 $289,500 $2,708,000 $96,750 $900,000
Unverifiable Information 41 $8,867,000 $138,500 $1,500,000 $73,750 $427,000
Insufficient Cash (Downpayment, Closing Cost) 32 $20,919,000 $466,000 $3,463,000 $83,500 $1,170,000
Employment History 10 $1,001,000 $129,333 $412,000 $31,333 $78,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into M&I Marshall & Ilsley Bank'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 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.
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