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records M&I Marshall & Ilsley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,196 | $ 1,214,850,000 | $ 380,115 | $ 78,000 |
| Madison, WI | 2,087 | $ 378,744,000 | $ 181,477 | $ 82,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,664 | $ 284,648,000 | $ 171,062 | $ 90,000 |
| Prescott, AZ | 569 | $ 137,698,000 | $ 242,000 | $ 73,000 |
| Tucson, AZ | 516 | $ 125,779,000 | $ 243,757 | $ 66,000 |
| Green Bay, WI | 500 | $ 71,141,000 | $ 142,282 | $ 68,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 480 | $ 98,103,000 | $ 204,381 | $ 106,000 |
| Janesville, WI | 344 | $ 44,288,000 | $ 128,744 | $ 67,000 |
| Racine, WI | 318 | $ 36,921,000 | $ 116,103 | $ 53,000 |
| Appleton, WI | 296 | $ 47,526,000 | $ 160,560 | $ 73,000 |
| Sheboygan, WI | 288 | $ 33,329,000 | $ 115,725 | $ 66,000 |
| Wausau, WI | 236 | $ 30,476,000 | $ 129,135 | $ 68,000 |
| Eau Claire, WI | 193 | $ 22,811,000 | $ 118,191 | $ 51,000 |
| Oshkosh-Neenah, WI | 182 | $ 31,961,000 | $ 175,609 | $ 100,000 |
| Fond Du Lac, WI | 144 | $ 22,185,000 | $ 154,062 | $ 85,000 |
| Flagstaff, AZ | 117 | $ 36,794,000 | $ 314,478 | $ 103,000 |
| La Crosse, WI-MN | 81 | $ 8,180,000 | $ 100,987 | $ 54,000 |
| Duluth, MN-WI | 48 | $ 6,937,000 | $ 144,520 | $ 84,000 |
| Chicago-Naperville-Joliet, IL | 31 | $ 5,110,000 | $ 164,838 | $ 114,000 |
| Rockford, IL | 28 | $ 2,431,000 | $ 86,821 | $ 67,000 |
| Cape Coral-Fort Myers, FL | 27 | $ 9,022,000 | $ 334,148 | $ 265,000 |
| Lake County-Kenosha County, IL-WI | 18 | $ 3,322,000 | $ 184,555 | $ 94,000 |
| Yuma, AZ | 14 | $ 3,543,000 | $ 253,071 | $ 78,000 |
| St. Cloud, MN | 10 | $ 3,924,000 | $ 392,400 | $ 80,000 |
| Naples-Marco Island, FL | 9 | $ 7,529,000 | $ 836,555 | $ 416,000 |
| Sarasota-Bradenton-Venice, FL | 7 | $ 10,344,000 | $ 1,477,714 | $ 389,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,592,000 | $ 227,428 | $ 271,000 |
| Orlando, FL | 5 | $ 1,380,000 | $ 276,000 | $ 183,000 |
| St. Louis, MO-IL | 5 | $ 1,142,000 | $ 228,400 | $ 109,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 304,000 | $ 101,333 | $ 195,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 218,000 | $ 72,666 | $ 126,000 |
| Des Moines, IA | 2 | $ 13,360,000 | $ 6,680,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 2 | $ 181,000 | $ 90,500 | $ 67,000 |
| Kansas City, MO-KS | 2 | $ 15,200,000 | $ 7,600,000 | $ 17,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 403,000 | $ 201,500 | $ 120,000 |
| Punta Gorda, FL | 2 | $ 131,000 | $ 65,500 | $ 182,000 |
| Rochester, MN | 2 | $ 2,184,000 | $ 1,092,000 | $ 206,000 |
| Sandusky, OH | 2 | $ 630,000 | $ 315,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 315,000 | $ 157,500 | $ 159,000 |
| Ann Arbor, MI | 1 | $ 129,000 | $ 129,000 | $ 94,000 |
| Cedar Rapids, IA | 1 | $ 3,741,000 | $ 3,741,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 6,500,000 | $ 6,500,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 344,000 | $ 344,000 | $ 79,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 302,000 | $ 302,000 | $ 109,000 |
| Ocala, FL | 1 | $ 64,000 | $ 64,000 | $ 79,000 |
| Panama City-Lynn Haven, FL | 1 | $ 1,640,000 | $ 1,640,000 | $ 330,000 |
| Tallahassee, FL | 1 | $ 35,000 | $ 35,000 | $ 105,000 |
| Vero Beach, FL | 1 | $ 800,000 | $ 800,000 | $ 482,000 |
| Wichita, KS | 1 | $ 2,496,000 | $ 2,496,000 | $ 0 |
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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