Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Associated Bank, N.A.: 2025 mortgage rates, costs & approvals

How Associated Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Associated Bank, National Association · LEI ZF85QS7OXKPBG52R7N18

In 2025, Associated Bank, N.A. originated 2,846 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 16 states — 201st by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 21 basis points below the national median. Median conventional loan costs were $2,640, 53% lower than the national median ($5,570).

It denied 10.9% of completed home-purchase applications (all lenders: 8.5%).

Loans
2,846
of 3,351 applications
Denial rate
10.9%
Purchase · all 8.5%
30-yr fixed rate
6.375%
Conv. · all 6.625%
Loan costs
$2,640
Conv. · all $5,570
Loan amount
$265,000
Purchase · all $335,000
Borrower income
$95,000
Purchase · all $116,000

How Associated Bank, N.A. priced home-purchase loans

Purchase loans, 2025Associated Bank, N.A.All lenders
30-year fixed rate · conventional6.375%6.625%
30-year fixed rate · FHA6.375%6.250%
30-year fixed rate · VA6.375%6.125%
15-year fixed rate · conventional5.875%5.875%
Rate spread vs. APOR · conventional−0.08 pts+0.13 pts
Total loan costs · conventional$2,640$5,570
Total loan costs · FHA$7,550$11,310
Total loan costs · VA$1,790$6,490
Origination charges (all types)$900$1,860
Borrowers paying discount points26.6%51.3%
Points paid, when paid (% of loan)0.12%0.87%
Borrowers receiving lender credits55.0%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 93.5% 2,662
FHA 4.9% 140
VA 1.5% 43
USDA 0.0% 1

By purpose

Home purchase 86.9% 2,472
Refinance 7.6% 215
Cash-out refinance 5.6% 159
Home value
$335,000
Median, purchase loans
Down payment
13.5%
All lenders 10%
Refi rate
6.25%
30-yr fixed, conventional
Refi denial rate
22.6%
Cash-out 30.7%

Why Associated Bank, N.A. denied purchase applications

Debt-to-income ratio 38.3% 118
Collateral (appraisal/property) 16.6% 51
Credit history 14.6% 45
Unverifiable information 13.3% 41
Credit application incomplete 7.5% 23
Employment history 4.5% 14
Other 3.9% 12
Insufficient cash (down payment/closing costs) 1.0% 3
Mortgage insurance denied 0.3% 1

First reason the lender reported for each denied home-purchase application.

Where Associated Bank, N.A. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Wisconsin2,0142,3038.5%6.500%$2,480
Illinois46658515.9%6.375%$5,110
Minnesota25529810.9%6.250%$3,720
Missouri7211533.3%—$5,020
Michigan1419———
Florida1111———
Arizona55———
Indiana23———
Utah23———
Kentucky22———
Tennessee12———
Georgia11———
Ohio11———
Arkansas01———
Iowa01———
Kansas01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Associated Bank, N.A.'s page for that state.

Counties where Associated Bank, N.A. is a top lender

Check Associated Bank, N.A. yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology