M&I Marshall & Ilsley Bank Mortgage Lending & HMDA Data, 2004
In 2004, M&I Marshall & Ilsley Bank of Cedarburg, WI reported 17,714 mortgage applications totaling $3.1 billion, down 30% from 2003. The average application was for $176,681, and applicants reported an average income of $66,929. 79% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,752), Madison, WI (2,395) and Milwaukee-Waukesha-West Allis, WI (2,184) (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 | 17,714 |
| Total Mortgage Loan Application Amount | $3,129,744,000 |
| Average Mortgage Loan Application Amount | $176,681 |
| Highest Mortgage Loan Application Amount | $11,087,000 |
| Average Applicant Income | $66,929 |
| Highest Applicant Income | $1,740,000 |
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records M&I Marshall & Ilsley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 2,752 | $ 772,362,000 | $ 280,654 | $ 76,000 |
| Madison, WI | 2,395 | $ 410,591,000 | $ 171,436 | $ 68,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,184 | $ 383,071,000 | $ 175,398 | $ 65,000 |
| Green Bay, WI | 768 | $ 132,310,000 | $ 172,278 | $ 56,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 636 | $ 125,228,000 | $ 196,899 | $ 90,000 |
| Prescott, AZ | 543 | $ 125,618,000 | $ 231,340 | $ 69,000 |
| Janesville, WI | 520 | $ 65,095,000 | $ 125,182 | $ 49,000 |
| Appleton, WI | 457 | $ 59,626,000 | $ 130,472 | $ 49,000 |
| Tucson, AZ | 443 | $ 108,179,000 | $ 244,196 | $ 65,000 |
| Wausau, WI | 390 | $ 46,455,000 | $ 119,115 | $ 44,000 |
| Racine, WI | 351 | $ 42,330,000 | $ 120,598 | $ 71,000 |
| Sheboygan, WI | 310 | $ 46,183,000 | $ 148,977 | $ 74,000 |
| Eau Claire, WI | 278 | $ 31,217,000 | $ 112,291 | $ 59,000 |
| Oshkosh-Neenah, WI | 239 | $ 29,118,000 | $ 121,832 | $ 62,000 |
| Fond Du Lac, WI | 191 | $ 30,493,000 | $ 159,649 | $ 63,000 |
| Flagstaff, AZ | 128 | $ 38,191,000 | $ 298,367 | $ 87,000 |
| La Crosse, WI-MN | 94 | $ 8,791,000 | $ 93,521 | $ 56,000 |
| Chicago-Naperville-Joliet, IL | 42 | $ 14,423,000 | $ 343,404 | $ 88,000 |
| Duluth, MN-WI | 41 | $ 7,340,000 | $ 179,024 | $ 53,000 |
| Rockford, IL | 23 | $ 3,363,000 | $ 146,217 | $ 54,000 |
| Kansas City, MO-KS | 21 | $ 988,000 | $ 47,047 | $ 0 |
| Las Vegas-Paradise, NV | 21 | $ 15,733,000 | $ 749,190 | $ 12,000 |
| Cape Coral-Fort Myers, FL | 18 | $ 4,629,000 | $ 257,166 | $ 171,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 3,755,000 | $ 250,333 | $ 151,000 |
| St. Louis, MO-IL | 12 | $ 790,000 | $ 65,833 | $ 23,000 |
| Naples-Marco Island, FL | 10 | $ 5,503,000 | $ 550,300 | $ 211,000 |
| St. Cloud, MN | 8 | $ 386,000 | $ 48,250 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,590,000 | $ 227,142 | $ 205,000 |
| Sarasota-Bradenton-Venice, FL | 6 | $ 1,421,000 | $ 236,833 | $ 119,000 |
| Nashville-Davidson--Murfreesboro, TN | 5 | $ 278,000 | $ 55,600 | $ 0 |
| Rochester, MN | 4 | $ 173,000 | $ 43,250 | $ 52,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 648,000 | $ 216,000 | $ 243,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 611,000 | $ 203,666 | $ 53,000 |
| St. Joseph, MO-KS | 3 | $ 143,000 | $ 47,666 | $ 0 |
| Yuma, AZ | 3 | $ 516,000 | $ 172,000 | $ 63,000 |
| Jacksonville, FL | 2 | $ 171,000 | $ 85,500 | $ 41,000 |
| Louisville, KY-IN | 2 | $ 107,000 | $ 53,500 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 3,286,000 | $ 1,643,000 | $ 425,000 |
| Ann Arbor, MI | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Champaign-Urbana, IL | 1 | $ 1,110,000 | $ 1,110,000 | $ 625,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 123,000 | $ 123,000 | $ 264,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 240,000 | $ 240,000 | $ 236,000 |
| Jackson, MI | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Lawrence, KS | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 484,000 | $ 484,000 | $ 282,000 |
| Orlando, FL | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 52,000 | $ 52,000 | $ 118,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 2,475,000 | $ 2,475,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 48,000 | $ 48,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for M&I Marshall & Ilsley Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 10,334 | $2,156,236,000 | $522,153 | $9,140,000 | $55,615 | $1,740,000 |
| Refinancing | 6,024 | $832,362,000 | $412,777 | $11,087,000 | $60,555 | $1,200,000 |
| Home Improvement | 1,356 | $141,146,000 | $139,400 | $6,289,000 | $67,600 | $882,000 |
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 | 14,125 | $2,254,646,000 | $160,555 | $7,896,000 | $88,222 | $1,740,000 |
| Not Provided | 1,322 | $271,928,000 | $193,125 | $2,775,000 | $185,375 | $1,722,000 |
| Not applicable | 823 | $424,249,000 | $784,230 | $11,087,000 | $1,076 | $190,000 |
| Hispanic | 755 | $92,565,000 | $115,200 | $1,295,000 | $61,600 | $445,000 |
| Black or African American | 321 | $35,999,000 | $127,600 | $3,150,000 | $87,600 | $903,000 |
| Asian | 272 | $40,143,000 | $160,400 | $1,146,000 | $50,800 | $588,000 |
| American Indian or Alaskan Native | 57 | $5,150,000 | $78,666 | $319,000 | $48,000 | $141,000 |
| Native Hawaiian or Other Pacific Islander | 39 | $5,064,000 | $222,750 | $481,000 | $129,000 | $324,000 |
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) | 17,663 | $3,127,197,000 | $553,769 | $11,087,000 | $53,230 | $1,740,000 |
| FHA-insured (Federal Housing Administration) | 37 | $1,771,000 | $48,000 | $75,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 14 | $776,000 | $58,000 | $116,000 | $0 | $0 |
| 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 | 14,038 | $2,602,643,000 | $731,800 | $11,087,000 | $74,300 | $1,740,000 |
| Application Denied By Financial Institution | 1,735 | $206,792,000 | $139,142 | $3,440,000 | $43,571 | $996,000 |
| Application Approved But Not Accepted | 865 | $140,859,000 | $192,000 | $2,800,000 | $77,500 | $1,105,000 |
| Application Withdrawn By Applicant | 650 | $135,012,000 | $170,125 | $5,025,000 | $51,875 | $903,000 |
| File Closed For Incompleteness | 165 | $33,209,000 | $133,750 | $1,245,000 | $98,000 | $540,000 |
| Preapproval Denied by Financial Institution | 164 | $6,317,000 | $38,000 | $209,000 | $33,000 | $150,000 |
| Loan Purchased By The Institution | 97 | $4,912,000 | $65,250 | $358,000 | $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 | 757 | $51,010,000 | $91,200 | $995,000 | $49,600 | $581,000 |
| Debt-To-Income Ratio | 583 | $66,400,000 | $142,000 | $3,440,000 | $31,142 | $288,000 |
| Collateral | 203 | $18,893,000 | $92,500 | $835,000 | $71,000 | $490,000 |
| Other | 124 | $18,729,000 | $124,250 | $1,630,000 | $54,000 | $318,000 |
| Credit Application Incomplete | 118 | $30,604,000 | $127,000 | $1,800,000 | $65,000 | $996,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 70 | $20,316,000 | $243,000 | $1,146,000 | $56,000 | $840,000 |
| Unverifiable Information | 39 | $6,695,000 | $137,500 | $1,000,000 | $72,250 | $311,000 |
| Employment History | 5 | $462,000 | $77,000 | $221,000 | $28,333 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&I Marshall & Ilsley Bank's 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 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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