Associated Bank Mortgage Rates, Fees & Info

Green Bay, WI

LEI: ZF85QS7OXKPBG52R7N18

Tax ID: 39-1941673

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Associated Bank is a mid-sized bank specializing in Home Purchase loans. Associated Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Minneapolis, Milwaukee, St. Louis, and Green Bay among others. We have data for 140 markets. (Some data included below & more in-depth data is available with an active subscription.)

Associated Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Associated Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.58% 4/21/24
30 Year Conventional Purchase 6.70% 4/21/24
30 Year Conventional Refi 6.52% 4/21/24
30 Year Cash-out Refi 6.66% 4/21/24
30 Year FHA Purchase 7.21% 4/21/24
30 Year FHA Refi 6.72% 4/21/24
30 Year VA Purchase 6.17% 4/21/24
30 Year VA Refi 5.97% 4/21/24
30 Year USDA Purchase 6.69% 4/21/24
15 Year Conventional Purchase 5.92% 4/21/24
15 Year Conventional Refi 5.91% 4/21/24
15 Year Cash-out Refi 5.91% 4/21/24
15 Year FHA Purchase 7.03% 4/21/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Associated Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Associated Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

10,881

Origination Dollar Volume (All Markets)

$4,308,735,000
Show all (42) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2,211 $1,188,615,000 $537,592 $5,836 4.49%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1,161 $606,905,000 $522,743 $4,508 4.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1,827 $578,715,000 $316,757 $2,615 4.64%
ST. LOUIS, MO-IL (FHA|USDA|VA) 480 $211,650,000 $440,938 $4,735 4.46%
Outside of Metro Areas 849 $169,295,000 $199,405 $3,066 4.62%
GREEN BAY, WI (FHA|USDA|VA) 806 $159,110,000 $197,407 $2,287 4.52%
MADISON, WI (FHA|USDA|VA) 375 $114,565,000 $305,507 $2,779 4.63%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 20 $86,140,000 $4,307,000 $4,016 4.39%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 82 $75,360,000 $919,024 $6,633 4.61%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $71,930,000 $2,997,083 $9,399 4.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 12 $59,410,000 $4,950,833 $11,922 4.73%
APPLETON, WI (FHA|USDA|VA) 273 $53,415,000 $195,659 $2,185 4.57%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 35 $49,545,000 $1,415,571 $13,350 4.84%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $41,890,000 $6,981,667 $5,877 4.56%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $41,080,000 $20,540,000 $0 6.16%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 189 $40,035,000 $211,825 $2,418 4.69%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $39,800,000 $9,950,000 $3,788 4.79%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $37,740,000 $3,145,000 $3,752 3.90%
LOUISVILLE, KY (FHA|USDA|VA) 4 $36,700,000 $9,175,000 $6,422 3.91%
RACINE, WI (FHA|USDA|VA) 176 $36,070,000 $204,943 $2,849 4.71%
Bozeman, MT (FHA|USDA|VA) 1 $34,155,000 $34,155,000 $0 3.20%
Whitewater, WI (FHA|USDA|VA) 167 $32,385,000 $193,922 $2,596 4.78%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $29,395,000 $29,395,000 $0 6.82%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $28,825,000 $28,825,000 $0 5.61%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $25,005,000 $25,005,000 $0 4.03%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $25,005,000 $25,005,000 $0 3.91%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 178 $24,070,000 $135,225 $2,622 4.76%
WAUSAU-WESTON, WI (FHA|USDA|VA) 167 $23,255,000 $139,251 $2,326 4.63%
EAU CLAIRE, WI (FHA|USDA|VA) 171 $22,895,000 $133,889 $2,492 4.64%
ROCKFORD, IL (FHA|USDA|VA) 162 $22,670,000 $139,938 $2,706 4.96%
FOND DU LAC, WI (FHA|USDA|VA) 126 $21,870,000 $173,571 $2,348 4.74%
AKRON, OH (FHA|USDA|VA) 2 $18,440,000 $9,220,000 $3,858 4.24%
ROCHESTER, MN (FHA|USDA|VA) 75 $17,095,000 $227,933 $3,855 4.51%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 120 $16,890,000 $140,750 $2,560 4.90%
NILES, MI (FHA|USDA|VA) 19 $15,125,000 $796,053 $5,549 4.78%
Manitowoc, WI (FHA|USDA|VA) 108 $14,560,000 $134,815 $2,247 4.57%
Stevens Point, WI (FHA|USDA|VA) 107 $13,285,000 $124,159 $2,233 4.43%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 105 $12,955,000 $123,381 $2,082 4.75%
SPRINGFIELD, MO (FHA|USDA|VA) 34 $12,090,000 $355,588 $2,543 4.42%
SHEBOYGAN, WI (FHA|USDA|VA) 91 $11,395,000 $125,220 $2,176 4.64%
KANSAS CITY, MO-KS (FHA|USDA|VA) 20 $10,160,000 $508,000 $4,014 3.73%
Marinette, WI-MI (FHA|USDA|VA) 97 $10,135,000 $104,485 $2,204 4.70%
Beaver Dam, WI (FHA|USDA|VA) 77 $9,895,000 $128,506 $2,538 4.86%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 61 $9,605,000 $157,459 $2,675 4.96%
Shawano, WI (FHA|USDA|VA) 54 $9,350,000 $173,148 $2,384 4.51%
Brainerd, MN (FHA|USDA|VA) 16 $8,010,000 $500,625 $5,362 4.67%
Williston, ND (FHA|USDA|VA) 1 $7,805,000 $7,805,000 $0 5.61%
ANN ARBOR, MI (FHA|USDA|VA) 22 $7,220,000 $328,182 $4,820 5.43%
Ottawa, IL (FHA|USDA|VA) 6 $7,200,000 $1,200,000 $3,358 4.26%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $0 6.68%
DULUTH, MN-WI (FHA|USDA|VA) 22 $5,400,000 $245,455 $3,804 4.63%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 10 $5,300,000 $530,000 $4,039 4.98%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 9 $5,235,000 $581,667 $4,061 3.74%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $5,170,000 $646,250 $7,434 3.64%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 10 $4,700,000 $470,000 $3,669 4.19%
COLUMBUS, OH (FHA|USDA|VA) 10 $4,610,000 $461,000 $4,466 4.74%
Baraboo, WI (FHA|USDA|VA) 38 $4,020,000 $105,789 $2,132 5.11%
Menomonie, WI (FHA|USDA|VA) 28 $3,820,000 $136,429 $2,376 4.82%
Traverse City, MI (FHA|USDA|VA) 5 $3,695,000 $739,000 $5,682 4.78%
Holland, MI (FHA|USDA|VA) 4 $3,250,000 $812,500 $5,023 4.53%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $2,825,000 $565,000 $5,626 4.23%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $2,655,000 $531,000 $9,733 5.03%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 7 $2,585,000 $369,286 $6,055 5.21%
FORT WAYNE, IN (FHA|USDA|VA) 8 $2,530,000 $316,250 $2,589 3.89%
PEORIA, IL (FHA|USDA|VA) 17 $2,485,000 $146,176 $2,494 4.51%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $2,425,000 $485,000 $9,548 4.30%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $2,315,000 $2,315,000 $9,118 2.75%
Key West, FL (FHA|USDA|VA) 2 $2,240,000 $1,120,000 $6,980 3.13%
COLUMBIA, MO (FHA|USDA|VA) 5 $2,155,000 $431,000 $2,286 4.88%
ROCHESTER, NY (FHA|USDA|VA) 1 $2,125,000 $2,125,000 $0 6.70%
IOWA CITY, IA (FHA|USDA|VA) 7 $2,075,000 $296,429 $1,541 4.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,905,000 $635,000 $8,957 5.38%
Red Wing, MN (FHA|USDA|VA) 22 $1,660,000 $75,455 $5,087 5.17%
CARBONDALE-MARION, IL (FHA|USDA|VA) 6 $1,210,000 $201,667 $3,414 3.96%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $1,120,000 $280,000 $3,929 4.00%
Marquette, MI (FHA|USDA|VA) 5 $1,055,000 $211,000 $3,882 6.40%
Effingham, IL (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $8,071 3.88%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $905,000 $905,000 $5,834 5.00%
Iron Mountain, MI-WI (FHA|USDA|VA) 3 $895,000 $298,333 $2,609 4.46%
WACO, TX (FHA|USDA|VA) 1 $755,000 $755,000 $23,055 6.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $755,000 $755,000 $4,615 3.38%
ST. CLOUD, MN (FHA|USDA|VA) 2 $730,000 $365,000 $3,873 3.44%
TOLEDO, OH (FHA|USDA|VA) 1 $715,000 $715,000 $11,687 4.50%
Freeport, IL (FHA|USDA|VA) 2 $690,000 $345,000 $3,971 4.50%
Bellefontaine, OH (FHA|USDA|VA) 2 $690,000 $345,000 $6,604 5.81%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $670,000 $335,000 $4,658 4.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $665,000 $665,000 $6,162 4.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $655,000 $655,000 $5,319 4.88%
Sturgis, MI (FHA|USDA|VA) 1 $645,000 $645,000 $6,405 4.38%
Grand Rapids, MN (FHA|USDA|VA) 1 $645,000 $645,000 $5,919 3.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $615,000 $205,000 $1,761 5.71%
Platteville, WI (FHA|USDA|VA) 3 $605,000 $201,667 $2,203 5.13%
Winona, MN (FHA|USDA|VA) 2 $600,000 $300,000 $2,740 5.06%
FLINT, MI (FHA|USDA|VA) 2 $580,000 $290,000 $4,450 5.25%
Fergus Falls, MN (FHA|USDA|VA) 2 $550,000 $275,000 $4,115 3.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $540,000 $270,000 $2,671 3.25%
WICHITA, KS (FHA|USDA|VA) 1 $535,000 $535,000 $9,974 3.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $535,000 $178,333 $931 4.71%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $515,000 $515,000 $2,665 2.38%
Kendallville, IN (FHA|USDA|VA) 2 $450,000 $225,000 $4,345 5.56%
Houghton, MI (FHA|USDA|VA) 3 $445,000 $148,333 $2,275 2.92%
Ashtabula, OH (FHA|USDA|VA) 1 $445,000 $445,000 $6,847 5.38%
MONROE, MI (FHA|USDA|VA) 1 $445,000 $445,000 $7,097 6.50%
Hutchinson, MN (FHA|USDA|VA) 1 $425,000 $425,000 $0 3.25%
KANKAKEE, IL (FHA|USDA|VA) 1 $425,000 $425,000 $3,849 5.88%
Spirit Lake, IA (FHA|USDA|VA) 1 $405,000 $405,000 $15,521 4.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $365,000 $365,000 $2,479 5.00%
Auburn, IN (FHA|USDA|VA) 1 $365,000 $365,000 $2,044 3.50%
Galesburg, IL (FHA|USDA|VA) 4 $350,000 $87,500 $1,645 6.66%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $305,000 $305,000 $2,578 6.00%
Clinton, IA (FHA|USDA|VA) 2 $300,000 $150,000 $2,499 4.13%
Owatonna, MN (FHA|USDA|VA) 1 $295,000 $295,000 $3,088 4.38%
Sandusky, OH (FHA|USDA|VA) 1 $295,000 $295,000 $2,803 3.38%
Warsaw, IN (FHA|USDA|VA) 1 $285,000 $285,000 $4,621 5.38%
COLUMBUS, IN (FHA|USDA|VA) 1 $285,000 $285,000 $1,990 4.38%
Rochelle, IL (FHA|USDA|VA) 3 $275,000 $91,667 $0 4.38%
TUCSON, AZ (FHA|USDA|VA) 2 $270,000 $135,000 $2,080 3.06%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,882 3.88%
Bemidji, MN (FHA|USDA|VA) 2 $260,000 $130,000 $3,252 4.25%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $3,218 4.50%
Quincy, IL-MO (FHA|USDA|VA) 2 $240,000 $120,000 $2,861 4.50%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,552 4.25%
Farmington, MO (FHA|USDA|VA) 1 $225,000 $225,000 $6,317 7.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $5,055 7.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $180,000 $90,000 $2,722 4.63%
Mason City, IA (FHA|USDA|VA) 1 $175,000 $175,000 $2,455 5.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $6,965 4.88%
EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,441 5.50%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,596 3.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,109 4.75%
Alexandria, MN (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.63%
Adrian, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
Escanaba, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,596 4.75%
Dixon, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,066 4.13%
Taylorville, IL (FHA|USDA|VA) 2 $80,000 $40,000 $2,143 5.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
Austin, MN (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.00%
Associated Bank's top markets include Chicago, Minneapolis, Milwaukee, St. Louis, and Green Bay among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Associated Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PROSPERA Credit Union
    Similarity Rank: 36
    PCM
    Similarity Rank: 52
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 59
    NORTHWESTERN MUTUAL
    Similarity Rank: 70
    UNITEDONE Credit Union
    Similarity Rank: 77
    Empower Credit Union
    Similarity Rank: 81
    Rock Valley Credit Union
    Similarity Rank: 91
    First Community Credit Union
    Similarity Rank: 100
    Denmark State Bank
    Similarity Rank: 110

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,624 $3,914,750,000 $590,995 $3,940 4.36%
    HELOC 3,991 $337,125,000 $84,471 n/a 4.96%
    FHA 196 $40,520,000 $206,735 $6,518 4.85%
    VA 58 $13,950,000 $240,517 $3,814 4.33%
    USDA 12 $2,390,000 $199,167 $4,207 4.80%

    For 2022, Associated Bank's most frequently originated type of loan was Conventional, with 6,624 originations. Their 2nd most popular type was HELOC, with 3,991 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,393 $3,257,025,000 $603,936 $4,373 4.59%
    Refi 1,751 $586,525,000 $334,966 $3,343 4.12%
    Home Improvement 1,632 $128,600,000 $78,799 $2,631 5.06%
    Other 1,339 $126,435,000 $94,425 $2,670 5.06%
    Cash Out Refi 766 $210,150,000 $274,347 $2,496 3.87%

    For 2022, Associated Bank's most frequently cited loan purpose was Home Purchase, with 5,393 originations. The 2nd most popular reason was Refi, with 1,751 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,060 $2,973,230,000 $295,550 $4,209 4.68%
    15 Year 521 $104,035,000 $199,683 $2,322 3.29%
    20 Year 103 $19,515,000 $189,466 $2,237 3.78%
    10 Year 75 $18,535,000 $247,133 $2,033 3.12%
    Other 65 $532,095,000 $8,186,077 $2,362 4.32%
    5 Year 32 $261,120,000 $8,160,000 $0 4.28%
    3 Year 24 $396,570,000 $16,523,750 $0 4.80%
    1 Year 1 $3,635,000 $3,635,000 $0 6.73%

    For 2022, Associated Bank's most frequently cited loan duration was 30 Year, with 10,060 originations. The 2nd most popular length was 15 Year, with 521 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,390 $1,698,680,000 $386,943
    $1k-2k 1,322 $588,930,000 $445,484
    $5k+ 324 $212,280,000 $655,185
    $2k-3k 261 $104,875,000 $401,820
    $3k-4k 168 $69,310,000 $412,560
    $4k-5k 108 $55,670,000 $515,463

    Associated Bank's average total fees were $4,209, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,390 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,651 $1,365,615,000 $374,039
    4-5% 2,428 $1,087,630,000 $447,953
    5-6% 2,330 $660,360,000 $283,416
    6-7% 1,135 $354,815,000 $312,612
    2.5-3% 830 $559,050,000 $673,554
    7-8% 282 $75,390,000 $267,340
    <2.5% 152 $203,160,000 $1,336,579
    Over 8% 73 $2,715,000 $37,192

    During 2022, Associated Bank's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 3-4%, with 3,651 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,355 $173,155,000 $51,611 $2,274 5.02%
    $100k-200k 2,526 $364,150,000 $144,161 $2,669 4.56%
    $200k-400k 2,473 $688,625,000 $278,457 $3,589 4.52%
    $600k-1MM 1,138 $876,420,000 $770,141 $5,936 4.04%
    $400k-600k 905 $436,925,000 $482,790 $4,618 4.31%
    $1MM+ 484 $1,769,460,000 $3,655,909 $7,091 3.91%

    2022 saw Associated Bank place emphasis on $100,000 or less loans with 3,355 originations, totaling $173,155,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,083 $425,665,000 $204,352 $3,648 4.64%
    $250k+ 1,904 $1,308,510,000 $687,243 $5,786 4.20%
    $50k-75k 1,858 $247,270,000 $133,084 $2,996 4.79%
    $150k-250k 1,854 $682,910,000 $368,344 $4,829 4.54%
    $75k-100k 1,430 $225,810,000 $157,909 $3,145 4.75%
    $50k or less 1,273 $155,325,000 $122,015 $2,875 4.74%

    Associated Bank lent most frequently to those with incomes in the $100k-150k range, with 2,083 originations. The second most popular income band? $250k+, with 1,904 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,746 $771,540,000 $280,969 $3,929 4.42%
    30-36% 2,093 $612,495,000 $292,640 $4,009 4.61%
    <20% 1,099 $315,745,000 $287,302 $3,881 4.36%
    44% 873 $181,125,000 $207,474 $4,173 4.88%
    41% 426 $152,150,000 $357,160 $4,381 4.64%
    43% 423 $116,595,000 $275,638 $4,123 4.73%
    42% 408 $125,170,000 $306,789 $4,229 4.76%
    39% 396 $108,610,000 $274,268 $4,043 4.74%
    36% 377 $115,465,000 $306,273 $3,650 4.66%
    40% 376 $113,330,000 $301,410 $4,064 4.84%
    38% 367 $117,045,000 $318,924 $4,003 4.64%
    37% 335 $99,055,000 $295,687 $4,490 4.70%
    45% 194 $56,680,000 $292,165 $3,845 4.66%
    46% 166 $55,210,000 $332,590 $3,614 4.79%
    49% 152 $59,070,000 $388,618 $3,673 4.64%
    47% 135 $38,315,000 $283,815 $3,565 4.62%
    48% 127 $51,465,000 $405,236 $4,094 4.71%
    50-60% 69 $20,855,000 $302,246 $6,386 4.72%
    >60% 1 $125,000 $125,000 $1,558 3.00%

    Associated Bank lent most frequently to those with DTI ratios of 20-30%, with 2,746 originations. The next most common DTI ratio? 30-36%, with 2,093 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,915 $2,480,615,000 $278,252 $3,817 4.59%
    Not applicable 118 $1,201,290,000 $10,180,424 $0 4.40%
    Not provided 919 $317,165,000 $345,120 $4,898 4.56%
    Asian 372 $154,700,000 $415,860 $5,062 4.51%
    Black 377 $92,725,000 $245,955 $4,922 4.92%
    Asian Indian 50 $32,860,000 $657,200 $4,324 3.96%
    American Indian 73 $12,935,000 $177,192 $3,675 4.87%
    Other Asian 29 $7,625,000 $262,931 $3,243 4.74%
    Filipino 6 $2,620,000 $436,667 $9,848 4.27%
    Native Hawaiian or Islander 5 $1,745,000 $349,000 $5,329 5.15%
    Vietnamese 4 $1,560,000 $390,000 $4,098 4.84%
    3 $1,025,000 $341,667 $2,151 3.13%
    Korean 4 $1,000,000 $250,000 $5,593 4.16%
    Chinese 4 $470,000 $117,500 $0 5.13%
    Japanese 1 $255,000 $255,000 $2,210 4.00%
    Other Pacific Islander 1 $145,000 $145,000 $4,604 5.38%

    Approval Rates

    Total approvals of all applications
    78.54%

    Associated Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.84%

    Associated Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,881 $4,308,735,000 $395,987

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,881 $4,308,735,000 $395,987

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,634 $748,980,000 $458,372 $2,527 4.64%
    40-60% 1,086 $447,950,000 $412,477 $2,748 4.11%
    60-80% 2,360 $1,411,160,000 $597,949 $3,827 4.28%
    80-100% 3,555 $1,562,505,000 $439,523 $4,494 4.58%
    Over 100% 10 $5,880,000 $588,000 $8,303 5.38%
    Under 20% 2,235 $131,905,000 $59,018 $2,354 5.13%