M&I Marshall & Ilsley Bank Mortgage Lending & HMDA Data, 2006
In 2006, M&I Marshall & Ilsley Bank of Cedarburg, WI reported 17,504 mortgage applications totaling $3.8 billion, up 15% from 2005. The average application was for $219,666, and applicants reported an average income of $93,004. 75% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (2,810), Milwaukee-Waukesha-West Allis, WI (2,132) and Madison, WI (2,041) (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 | 17,504 |
| Total Mortgage Loan Application Amount | $3,845,042,000 |
| Average Mortgage Loan Application Amount | $219,666 |
| Highest Mortgage Loan Application Amount | $17,132,000 |
| Average Applicant Income | $93,004 |
| Highest Applicant Income | $6,565,000 |
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records M&I Marshall & Ilsley Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,810 | $ 1,298,319,000 | $ 462,035 | $ 95,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,132 | $ 330,005,000 | $ 154,786 | $ 89,000 |
| Madison, WI | 2,041 | $ 339,595,000 | $ 166,386 | $ 102,000 |
| Tucson, AZ | 618 | $ 188,776,000 | $ 305,462 | $ 101,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 589 | $ 146,909,000 | $ 249,421 | $ 120,660 |
| Green Bay, WI | 556 | $ 89,542,000 | $ 161,046 | $ 82,000 |
| Prescott, AZ | 506 | $ 142,238,000 | $ 281,102 | $ 66,000 |
| Janesville, WI | 438 | $ 47,531,000 | $ 108,518 | $ 71,000 |
| Appleton, WI | 375 | $ 48,784,000 | $ 130,090 | $ 78,000 |
| Sheboygan, WI | 337 | $ 40,266,000 | $ 119,483 | $ 74,000 |
| Wausau, WI | 313 | $ 39,921,000 | $ 127,543 | $ 71,000 |
| Racine, WI | 280 | $ 41,356,000 | $ 147,700 | $ 76,000 |
| Lake County-Kenosha County, IL-WI | 221 | $ 28,482,000 | $ 128,877 | $ 81,117 |
| Eau Claire, WI | 213 | $ 36,605,000 | $ 171,854 | $ 83,000 |
| Kansas City, MO-KS | 198 | $ 52,429,000 | $ 264,792 | $ 95,545 |
| Oshkosh-Neenah, WI | 188 | $ 30,335,000 | $ 161,356 | $ 84,000 |
| Flagstaff, AZ | 177 | $ 53,315,000 | $ 301,214 | $ 118,000 |
| Duluth, MN-WI | 147 | $ 16,574,000 | $ 112,748 | $ 57,244 |
| Fond Du Lac, WI | 143 | $ 23,026,000 | $ 161,020 | $ 70,000 |
| Tampa-St. Petersburg-Clearwater, FL | 138 | $ 37,165,000 | $ 269,311 | $ 139,000 |
| Sarasota-Bradenton-Venice, FL | 126 | $ 52,991,000 | $ 420,563 | $ 158,000 |
| La Crosse, WI-MN | 100 | $ 10,783,000 | $ 107,830 | $ 67,640 |
| Chicago-Naperville-Joliet, IL | 51 | $ 13,878,000 | $ 272,117 | $ 210,000 |
| St. Joseph, MO-KS | 47 | $ 6,474,000 | $ 137,744 | $ 64,000 |
| Cape Coral-Fort Myers, FL | 43 | $ 15,267,000 | $ 355,046 | $ 440,000 |
| Tulsa, OK | 43 | $ 8,545,000 | $ 198,720 | $ 123,000 |
| Naples-Marco Island, FL | 32 | $ 27,720,000 | $ 866,250 | $ 254,000 |
| Punta Gorda, FL | 25 | $ 4,420,000 | $ 176,800 | $ 86,000 |
| Rockford, IL | 20 | $ 2,324,000 | $ 116,200 | $ 74,000 |
| Detroit-Livonia-Dearborn, MI | 14 | $ 1,020,000 | $ 72,857 | $ 7,000 |
| Ocala, FL | 14 | $ 2,568,000 | $ 183,428 | $ 350,000 |
| Las Vegas-Paradise, NV | 10 | $ 2,316,000 | $ 231,600 | $ 26,000 |
| Yuma, AZ | 10 | $ 2,554,000 | $ 255,400 | $ 155,000 |
| Rochester, MN | 8 | $ 2,559,000 | $ 319,875 | $ 64,000 |
| Orlando-Kissimmee, FL | 7 | $ 728,000 | $ 104,000 | $ 150,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,688,000 | $ 281,333 | $ 1,828,000 |
| St. Cloud, MN | 5 | $ 1,578,000 | $ 315,600 | $ 42,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 691,000 | $ 138,200 | $ 262,000 |
| Lakeland, FL | 4 | $ 373,000 | $ 93,250 | $ 162,000 |
| St. Louis, MO-IL | 4 | $ 207,000 | $ 51,750 | $ 41,000 |
| Lawrence, KS | 3 | $ 557,000 | $ 185,666 | $ 78,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 960,000 | $ 320,000 | $ 133,000 |
| Jacksonville, FL | 2 | $ 198,000 | $ 99,000 | $ 101,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 9,299,000 | $ 4,649,500 | $ 3,105,000 |
| Peoria, IL | 2 | $ 138,000 | $ 69,000 | $ 55,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 228,000 | $ 228,000 | $ 235,000 |
| Charlottesville, VA | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Denver-Aurora, CO | 1 | $ 216,000 | $ 216,000 | $ 58,000 |
| Joplin, MO | 1 | $ 92,000 | $ 92,000 | $ 109,000 |
| Kalamazoo-Portage, MI | 1 | $ 32,000 | $ 32,000 | $ 317,000 |
| Kankakee-Bradley, IL | 1 | $ 148,000 | $ 148,000 | $ 104,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 1,275,000 | $ 1,275,000 | $ 498,000 |
| Panama City-Lynn Haven, FL | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 18,000 | $ 18,000 | $ 267,000 |
| San Antonio, TX | 1 | $ 435,000 | $ 435,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Santa Barbara-Santa Maria, CA | 1 | $ 2,629,000 | $ 2,629,000 | $ 0 |
Mortgage Loan Application Detail Totals for M&I Marshall & Ilsley Bank in 2006
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 | 9,697 | $2,538,717,000 | $261,000 | $17,132,000 | $107,000 | $6,565,000 |
| Refinancing | 6,324 | $1,102,250,000 | $174,000 | $9,070,000 | $76,000 | $2,400,000 |
| Home Improvement | 1,483 | $204,075,000 | $137,000 | $3,800,000 | $74,000 | $3,426,000 |
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 | 12,501 | $2,398,246,000 | $191,000 | $17,132,000 | $95,000 | $6,565,000 |
| Not Provided | 2,466 | $711,719,000 | $288,000 | $10,000,000 | $117,000 | $3,762,000 |
| Hispanic | 1,017 | $175,468,000 | $172,000 | $3,600,000 | $50,000 | $1,794,000 |
| Not applicable | 919 | $453,675,000 | $493,000 | $12,760,000 | $42,000 | $6,565,000 |
| Black or African American | 329 | $45,100,000 | $137,000 | $1,755,000 | $112,000 | $4,767,000 |
| Asian | 201 | $50,130,000 | $249,000 | $5,600,000 | $105,000 | $2,472,000 |
| American Indian or Alaskan Native | 45 | $4,478,000 | $99,000 | $970,000 | $57,000 | $212,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $6,226,000 | $239,000 | $1,820,000 | $144,000 | $804,000 |
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) | 17,471 | $3,841,193,000 | $219,000 | $17,132,000 | $93,000 | $6,565,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,568,000 | $87,000 | $140,000 | $35,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,281,000 | $152,000 | $360,000 | $50,000 | $112,000 |
| 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 | 13,139 | $2,910,280,000 | $221,000 | $17,132,000 | $96,000 | $6,565,000 |
| Application Denied By Financial Institution | 2,055 | $391,411,000 | $190,000 | $8,570,000 | $66,000 | $6,565,000 |
| Application Approved But Not Accepted | 1,050 | $242,047,000 | $230,000 | $10,000,000 | $107,000 | $5,087,000 |
| Application Withdrawn By Applicant | 786 | $196,351,000 | $249,000 | $6,000,000 | $110,000 | $3,762,000 |
| File Closed For Incompleteness | 256 | $80,724,000 | $315,000 | $2,800,000 | $100,000 | $1,225,000 |
| Loan Purchased By The Institution | 119 | $18,422,000 | $154,000 | $2,629,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 99 | $5,807,000 | $58,000 | $430,000 | $40,000 | $144,000 |
| 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 | 737 | $99,994,000 | $135,000 | $2,427,000 | $50,000 | $456,000 |
| Credit History | 661 | $57,121,000 | $86,000 | $2,855,000 | $56,000 | $1,029,000 |
| Collateral | 373 | $78,043,000 | $209,000 | $8,570,000 | $90,000 | $3,910,000 |
| Other | 235 | $70,434,000 | $299,000 | $3,600,000 | $83,000 | $6,565,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 48 | $66,179,000 | $1,378,000 | $5,600,000 | $73,000 | $1,794,000 |
| Credit Application Incomplete | 42 | $17,229,000 | $410,000 | $2,000,000 | $76,000 | $474,000 |
| Unverifiable Information | 38 | $6,020,000 | $158,000 | $1,480,000 | $94,000 | $790,000 |
| Employment History | 9 | $1,224,000 | $136,000 | $480,000 | $67,000 | $150,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into M&I Marshall & Ilsley Bank's 2006 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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