Amtrust Bank Mortgage Lending & HMDA Data, 2005

In 2005, Amtrust Bank of Cleveland, OH reported 152,291 mortgage applications totaling $30.1 billion, up 31% from 2004. The average application was for $197,692, and applicants reported an average income of $86,946. 72% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (7,945), Chicago-Naperville-Joliet, IL (5,658) and Minneapolis-St. Paul-Bloomington, MN-WI (4,569) (applications in parentheses).

Mortgage Company & Address Amtrust Bank
1801 E. 9th St #200
Cleveland, OH 44114
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 152,291
Total Mortgage Loan Application Amount $30,106,780,000
Average Mortgage Loan Application Amount $197,692
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $86,946
Highest Applicant Income $7,899,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amtrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Amtrust Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 7,533 $ 1,463,517,000 $ 194,280 $ 96,000
Palm Beach, Florida 4,018 $ 833,650,000 $ 207,478 $ 84,000
Cook, Illinois 3,613 $ 791,861,000 $ 219,169 $ 88,000
Broward, Florida 3,439 $ 669,996,000 $ 194,822 $ 82,000
Los Angeles, California 3,332 $ 1,129,453,000 $ 338,971 $ 121,000
Clark, Nevada 2,791 $ 497,623,000 $ 178,295 $ 105,000
Miami-Dade, Florida 2,578 $ 524,965,000 $ 203,632 $ 94,000
Worcester, Massachusetts 2,498 $ 444,676,000 $ 178,012 $ 59,000
Oakland, Michigan 2,112 $ 369,016,000 $ 174,723 $ 92,000
Harris, Texas 1,991 $ 333,175,000 $ 167,340 $ 89,000
Orange, California 1,732 $ 657,024,000 $ 379,344 $ 133,000
Cuyahoga, Ohio 1,625 $ 186,733,000 $ 114,912 $ 54,000
San Diego, California 1,595 $ 542,708,000 $ 340,255 $ 127,000
King, Washington 1,569 $ 458,986,000 $ 292,534 $ 98,000
Hennepin, Minnesota 1,524 $ 334,629,000 $ 219,572 $ 87,000
Wayne, Michigan 1,410 $ 190,813,000 $ 135,328 $ 76,000
Orange, Florida 1,369 $ 261,996,000 $ 191,377 $ 88,000
Middlesex, Massachusetts 1,284 $ 331,938,000 $ 258,518 $ 77,000
St. Louis, Missouri 1,280 $ 232,935,000 $ 181,980 $ 85,000
Essex, Massachusetts 1,037 $ 265,006,000 $ 255,550 $ 81,000
Hillsborough, Florida 1,003 $ 170,417,000 $ 169,907 $ 73,000
Milwaukee, Wisconsin 970 $ 141,218,000 $ 145,585 $ 59,000
Riverside, California 959 $ 272,090,000 $ 283,722 $ 123,000
Macomb, Michigan 921 $ 117,982,000 $ 128,102 $ 63,000
Franklin, Ohio 806 $ 101,944,000 $ 126,481 $ 58,000
Sacramento, California 803 $ 196,870,000 $ 245,168 $ 97,000
Fulton, Georgia 767 $ 166,554,000 $ 217,149 $ 97,000
New Haven, Connecticut 759 $ 145,560,000 $ 191,778 $ 88,000
Polk, Iowa 739 $ 99,763,000 $ 134,997 $ 86,000
Hartford, Connecticut 728 $ 131,772,000 $ 181,005 $ 78,000
Pima, Arizona 704 $ 127,799,000 $ 181,532 $ 107,000
San Bernardino, California 703 $ 169,605,000 $ 241,258 $ 95,000
St. Charles, Missouri 693 $ 103,312,000 $ 149,079 $ 86,000
Sarasota, Florida 684 $ 170,157,000 $ 248,767 $ 104,000
Gwinnett, Georgia 683 $ 115,980,000 $ 169,809 $ 79,000
Waukesha, Wisconsin 674 $ 143,284,000 $ 212,587 $ 87,000
Travis, Texas 668 $ 111,228,000 $ 166,508 $ 95,000
Jefferson, Alabama 658 $ 88,425,000 $ 134,384 $ 77,000
Suffolk, Massachusetts 646 $ 177,370,000 $ 274,566 $ 93,000
Dakota, Minnesota 637 $ 135,484,000 $ 212,690 $ 90,000
Washtenaw, Michigan 617 $ 115,611,000 $ 187,376 $ 100,000
Summit, Ohio 617 $ 70,361,000 $ 114,037 $ 43,000
DuPage, Illinois 607 $ 135,283,000 $ 222,871 $ 100,000
New Hanover, North Carolina 604 $ 112,918,000 $ 186,950 $ 80,000
Suffolk, New York 603 $ 168,927,000 $ 280,144 $ 98,000
Ramsey, Minnesota 598 $ 110,690,000 $ 185,100 $ 66,000
Pinellas, Florida 590 $ 105,154,000 $ 178,227 $ 80,000
Lake, Illinois 590 $ 135,554,000 $ 229,752 $ 84,000
Cumberland, Maine 584 $ 111,295,000 $ 190,573 $ 78,000
Seminole, Florida 577 $ 112,240,000 $ 194,523 $ 93,000
Fairfield, Connecticut 569 $ 166,177,000 $ 292,050 $ 104,000
Lee, Florida 561 $ 115,437,000 $ 205,770 $ 70,000
Montgomery, Maryland 542 $ 147,812,000 $ 272,715 $ 111,000
Morris, New Jersey 539 $ 87,789,000 $ 162,873 $ 81,000
Marion, Indiana 514 $ 63,857,000 $ 124,235 $ 83,000
Jefferson, Colorado 509 $ 103,452,000 $ 203,245 $ 75,000
Allegheny, Pennsylvania 503 $ 60,368,000 $ 120,015 $ 90,000
Norfolk, Massachusetts 498 $ 138,592,000 $ 278,297 $ 91,000
Dallas, Texas 496 $ 93,451,000 $ 188,409 $ 114,000
Lucas, Ohio 489 $ 56,735,000 $ 116,022 $ 70,000
Baldwin, Alabama 486 $ 95,655,000 $ 196,820 $ 112,000
Kane, Illinois 484 $ 88,410,000 $ 182,665 $ 74,000
Multnomah, Oregon 479 $ 88,708,000 $ 185,194 $ 90,000
Barnstable, Massachusetts 477 $ 130,925,000 $ 274,475 $ 115,000
Livingston, Michigan 476 $ 82,831,000 $ 174,014 $ 92,000
Wake, North Carolina 466 $ 83,599,000 $ 179,396 $ 92,000
DeKalb, Georgia 459 $ 83,970,000 $ 182,941 $ 81,000
Johnson, Kansas 451 $ 82,673,000 $ 183,310 $ 95,000
Denver, Colorado 444 $ 91,060,000 $ 205,090 $ 80,000
Anoka, Minnesota 442 $ 89,886,000 $ 203,361 $ 76,000
Providence, Rhode Island 441 $ 93,276,000 $ 211,510 $ 83,000
Plymouth, Massachusetts 437 $ 106,260,000 $ 243,157 $ 73,000
St. Lucie, Florida 436 $ 75,944,000 $ 174,183 $ 57,000
Collier, Florida 435 $ 111,376,000 $ 256,036 $ 110,000
Tarrant, Texas 433 $ 66,712,000 $ 154,069 $ 98,000
Will, Illinois 427 $ 84,960,000 $ 198,969 $ 66,000
Jackson, Missouri 427 $ 52,028,000 $ 121,845 $ 117,000
Mobile, Alabama 426 $ 50,586,000 $ 118,746 $ 53,000
Horry, South Carolina 425 $ 77,771,000 $ 182,990 $ 134,000
Volusia, Florida 414 $ 65,115,000 $ 157,282 $ 70,000
Snohomish, Washington 414 $ 88,570,000 $ 213,937 $ 84,000
Pinal, Arizona 412 $ 60,961,000 $ 147,963 $ 80,000
St. Louis City, Missouri 404 $ 48,457,000 $ 119,943 $ 56,000
Cobb, Georgia 403 $ 73,925,000 $ 183,436 $ 89,000
Monmouth, New Jersey 403 $ 101,587,000 $ 252,076 $ 103,000
Mecklenburg, North Carolina 397 $ 61,879,000 $ 155,866 $ 98,000
Duval, Florida 396 $ 69,459,000 $ 175,401 $ 99,000
Boulder, Colorado 391 $ 92,700,000 $ 237,084 $ 92,000
Ocean, New Jersey 387 $ 90,292,000 $ 233,312 $ 111,000
Rockingham, New Hampshire 383 $ 86,375,000 $ 225,522 $ 93,000
Washington, Minnesota 380 $ 87,462,000 $ 230,163 $ 101,000
Alameda, California 379 $ 147,494,000 $ 389,166 $ 127,000
Washington, Oregon 374 $ 70,700,000 $ 189,037 $ 76,000
Fairfax, Virginia 374 $ 111,309,000 $ 297,617 $ 110,000
Lafayette, Louisiana 370 $ 52,440,000 $ 141,729 $ 66,000
Polk, Florida 369 $ 52,074,000 $ 141,121 $ 76,000
Osceola, Florida 365 $ 65,891,000 $ 180,523 $ 89,000
Shelby, Alabama 357 $ 53,457,000 $ 149,739 $ 78,000
Camden, Missouri 345 $ 47,222,000 $ 136,875 $ 106,000
Manatee, Florida 344 $ 73,666,000 $ 214,145 $ 118,000
Kern, California 342 $ 67,359,000 $ 196,956 $ 80,000
Clackamas, Oregon 340 $ 70,982,000 $ 208,770 $ 106,000
Stanislaus, California 339 $ 81,458,000 $ 240,289 $ 105,000
Contra Costa, California 338 $ 135,690,000 $ 401,449 $ 145,000
Brevard, Florida 336 $ 63,623,000 $ 189,354 $ 85,000
Prince George's, Maryland 335 $ 77,506,000 $ 231,361 $ 91,000
Montgomery, Alabama 333 $ 46,164,000 $ 138,630 $ 93,000
Hamilton, Indiana 330 $ 60,084,000 $ 182,072 $ 122,000
Charleston, South Carolina 329 $ 71,698,000 $ 217,927 $ 107,000
Collin, Texas 325 $ 57,152,000 $ 175,852 $ 100,000
Nassau, New York 324 $ 98,946,000 $ 305,388 $ 111,000
Denton, Texas 324 $ 54,799,000 $ 169,132 $ 123,000
Okaloosa, Florida 321 $ 75,145,000 $ 234,096 $ 104,000
Fort Bend, Texas 320 $ 53,763,000 $ 168,009 $ 88,000
Arapahoe, Colorado 319 $ 62,801,000 $ 196,868 $ 80,000
Martin, Florida 317 $ 67,256,000 $ 212,164 $ 90,000
Douglas, Colorado 316 $ 85,604,000 $ 270,898 $ 119,000
Yavapai, Arizona 315 $ 61,558,000 $ 195,422 $ 106,000
Clark, Washington 313 $ 58,311,000 $ 186,297 $ 101,000
Middlesex, Connecticut 308 $ 60,986,000 $ 198,006 $ 96,000
Lake, Ohio 303 $ 35,324,000 $ 116,580 $ 50,000
Ventura, California 301 $ 111,505,000 $ 370,448 $ 147,000
McHenry, Illinois 296 $ 60,785,000 $ 205,354 $ 87,000
District of Columbia, District Of Columbia 295 $ 90,207,000 $ 305,786 $ 106,000
Greenville, South Carolina 293 $ 37,181,000 $ 126,897 $ 59,000
Oklahoma, Oklahoma 290 $ 37,308,000 $ 128,648 $ 65,000
Montgomery, Texas 282 $ 44,438,000 $ 157,581 $ 94,000
Jefferson, Missouri 281 $ 37,407,000 $ 133,120 $ 54,000
Chittenden, Vermont 274 $ 50,711,000 $ 185,076 $ 76,000
Frederick, Maryland 272 $ 61,736,000 $ 226,970 $ 77,000
Westchester, New York 269 $ 86,498,000 $ 321,553 $ 113,000
Salt Lake, Utah 268 $ 40,619,000 $ 151,563 $ 84,000
Pasco, Florida 267 $ 45,625,000 $ 170,880 $ 68,000
Anne Arundel, Maryland 265 $ 74,207,000 $ 280,026 $ 99,000
Ulster, New York 263 $ 50,357,000 $ 191,471 $ 95,000
Stark, Ohio 262 $ 26,525,000 $ 101,240 $ 54,000
San Joaquin, California 261 $ 69,183,000 $ 265,068 $ 103,000
Escambia, Florida 261 $ 49,568,000 $ 189,915 $ 101,000
Henrico, Virginia 258 $ 49,526,000 $ 191,961 $ 84,000
Genesee, Michigan 257 $ 30,576,000 $ 118,972 $ 62,000
Scott, Minnesota 257 $ 60,500,000 $ 235,408 $ 97,000
Marion, Florida 256 $ 36,596,000 $ 142,953 $ 51,000
Middlesex, New Jersey 255 $ 61,325,000 $ 240,490 $ 104,000
Wright, Minnesota 254 $ 49,621,000 $ 195,358 $ 61,000
Loudoun, Virginia 252 $ 66,115,000 $ 262,361 $ 112,000
Hillsborough, New Hampshire 248 $ 49,744,000 $ 200,580 $ 75,000
Richmond, New York 242 $ 60,227,000 $ 248,871 $ 85,000
Bergen, New Jersey 240 $ 73,665,000 $ 306,937 $ 119,000
Adams, Colorado 239 $ 39,641,000 $ 165,861 $ 70,000
Placer, California 233 $ 71,156,000 $ 305,390 $ 123,000
Lake, Florida 232 $ 40,645,000 $ 175,193 $ 71,000
Beaufort, South Carolina 228 $ 58,097,000 $ 254,811 $ 102,000
Baltimore, Maryland 227 $ 41,945,000 $ 184,779 $ 94,000
Warren, Ohio 227 $ 45,344,000 $ 199,753 $ 74,000
Kenosha, Wisconsin 224 $ 32,767,000 $ 146,281 $ 60,000
Hampden, Massachusetts 221 $ 33,708,000 $ 152,524 $ 73,000
Washoe, Nevada 220 $ 56,316,000 $ 255,981 $ 105,000
Santa Clara, California 216 $ 87,981,000 $ 407,319 $ 153,000
Virginia Beach, Virginia 216 $ 37,204,000 $ 172,240 $ 94,000
El Paso, Colorado 212 $ 43,496,000 $ 205,169 $ 95,000
Baltimore City, Maryland 212 $ 30,802,000 $ 145,292 $ 89,000
Tulsa, Oklahoma 212 $ 23,761,000 $ 112,080 $ 63,000
Boone, Kentucky 205 $ 37,219,000 $ 181,556 $ 77,000
York, Maine 205 $ 42,480,000 $ 207,219 $ 105,000
Leon, Florida 204 $ 31,175,000 $ 152,818 $ 63,000
Bristol, Massachusetts 204 $ 46,790,000 $ 229,362 $ 73,000
Hamilton, Ohio 202 $ 35,761,000 $ 177,034 $ 92,000
Galveston, Texas 200 $ 29,482,000 $ 147,410 $ 104,000
Madison, Alabama 199 $ 27,644,000 $ 138,914 $ 65,000
Bexar, Texas 199 $ 28,900,000 $ 145,226 $ 102,000
Cherokee, Georgia 198 $ 35,858,000 $ 181,101 $ 82,000
Brown, Wisconsin 197 $ 23,940,000 $ 121,522 $ 46,000
Forsyth, Georgia 192 $ 42,870,000 $ 223,281 $ 90,000
Wood, Ohio 191 $ 28,488,000 $ 149,151 $ 83,000
Larimer, Colorado 190 $ 36,206,000 $ 190,557 $ 77,000
Philadelphia, Pennsylvania 189 $ 25,489,000 $ 134,862 $ 58,000
Washington, Wisconsin 187 $ 36,008,000 $ 192,556 $ 82,000
Clay, Missouri 185 $ 21,249,000 $ 114,859 $ 86,000
Hudson, New Jersey 183 $ 48,637,000 $ 265,775 $ 106,000
Kenton, Kentucky 182 $ 33,577,000 $ 184,489 $ 82,000
Bay, Florida 181 $ 40,827,000 $ 225,563 $ 110,000
Nevada, California 180 $ 45,298,000 $ 251,655 $ 108,000
Litchfield, Connecticut 179 $ 35,703,000 $ 199,458 $ 81,000
Fresno, California 178 $ 39,059,000 $ 219,432 $ 109,000
St. Johns, Florida 177 $ 38,454,000 $ 217,254 $ 108,000
Queens, New York 177 $ 49,768,000 $ 281,175 $ 96,000
Lorain, Ohio 177 $ 25,892,000 $ 146,282 $ 59,000
Williamson, Texas 177 $ 29,195,000 $ 164,943 $ 93,000
Carver, Minnesota 175 $ 40,190,000 $ 229,657 $ 90,000
Kent, Michigan 171 $ 22,275,000 $ 130,263 $ 58,000
Prince William, Virginia 170 $ 49,337,000 $ 290,217 $ 100,000
Monroe, Indiana 163 $ 22,140,000 $ 135,828 $ 76,000
Chesterfield, Virginia 163 $ 28,943,000 $ 177,564 $ 76,000
Sussex, New Jersey 162 $ 38,048,000 $ 234,864 $ 151,000
Coconino, Arizona 159 $ 37,330,000 $ 234,779 $ 135,000
Dane, Wisconsin 159 $ 27,280,000 $ 171,572 $ 61,000
Olmsted, Minnesota 156 $ 22,315,000 $ 143,044 $ 82,000
Sherburne, Minnesota 156 $ 30,297,000 $ 194,211 $ 71,000
Union, New Jersey 156 $ 39,385,000 $ 252,467 $ 89,000
Richland, South Carolina 156 $ 21,260,000 $ 136,282 $ 104,000
East Baton Rouge, Louisiana 151 $ 21,258,000 $ 140,781 $ 104,000
Montcalm, Michigan 151 $ 14,177,000 $ 93,887 $ 40,000
Ingham, Michigan 150 $ 22,585,000 $ 150,566 $ 73,000
Butler, Ohio 150 $ 29,501,000 $ 196,673 $ 97,000
Washington, Pennsylvania 148 $ 19,578,000 $ 132,283 $ 64,000
Santa Rosa, Florida 147 $ 27,712,000 $ 188,517 $ 108,000
Miller, Missouri 146 $ 15,303,000 $ 104,815 $ 54,000
Pierce, Washington 145 $ 34,267,000 $ 236,324 $ 100,000
Montgomery, Pennsylvania 144 $ 29,725,000 $ 206,423 $ 117,000
Sangamon, Illinois 143 $ 18,361,000 $ 128,398 $ 101,000
Bucks, Pennsylvania 140 $ 31,129,000 $ 222,350 $ 99,000
Dutchess, New York 139 $ 31,263,000 $ 224,913 $ 85,000
Yuma, Arizona 138 $ 22,720,000 $ 164,637 $ 67,000
Walton, Florida 138 $ 44,891,000 $ 325,297 $ 178,000
Monroe, Michigan 138 $ 19,608,000 $ 142,086 $ 69,000
Strafford, New Hampshire 138 $ 24,509,000 $ 177,601 $ 67,000
Hendricks, Indiana 137 $ 18,495,000 $ 135,000 $ 69,000
Brunswick, North Carolina 137 $ 30,004,000 $ 219,007 $ 122,000
Monroe, Florida 136 $ 51,283,000 $ 377,080 $ 209,000
Kings, New York 136 $ 46,879,000 $ 344,698 $ 103,000
Weld, Colorado 135 $ 25,280,000 $ 187,259 $ 63,000
Bibb, Georgia 132 $ 16,296,000 $ 123,454 $ 54,000
Jefferson, Louisiana 132 $ 19,773,000 $ 149,795 $ 72,000
Somerset, New Jersey 132 $ 34,793,000 $ 263,583 $ 118,000
Clermont, Ohio 130 $ 20,594,000 $ 158,415 $ 60,000
San Mateo, California 128 $ 58,574,000 $ 457,609 $ 135,000
Sussex, Delaware 128 $ 29,083,000 $ 227,210 $ 136,000
Delaware, Ohio 128 $ 25,761,000 $ 201,257 $ 100,000
Mohave, Arizona 127 $ 23,801,000 $ 187,409 $ 121,000
Kendall, Illinois 127 $ 22,818,000 $ 179,669 $ 63,000
Essex, New Jersey 126 $ 35,989,000 $ 285,626 $ 101,000
Jefferson, Texas 126 $ 15,436,000 $ 122,507 $ 122,000
Racine, Wisconsin 126 $ 19,417,000 $ 154,103 $ 67,000
Merced, California 124 $ 27,765,000 $ 223,911 $ 88,000
Scott, Iowa 123 $ 14,977,000 $ 121,764 $ 81,000
Durham, North Carolina 123 $ 18,583,000 $ 151,081 $ 79,000
Medina, Ohio 123 $ 18,323,000 $ 148,967 $ 68,000
Windham, Connecticut 122 $ 20,800,000 $ 170,491 $ 80,000
Carteret, North Carolina 122 $ 37,389,000 $ 306,467 $ 100,000
St. Louis, Minnesota 118 $ 16,186,000 $ 137,169 $ 47,000
Westmoreland, Pennsylvania 117 $ 16,142,000 $ 137,965 $ 82,000
El Dorado, California 115 $ 35,537,000 $ 309,017 $ 116,000
Washington, Rhode Island 115 $ 28,593,000 $ 248,634 $ 108,000
Chester, Pennsylvania 114 $ 25,298,000 $ 221,912 $ 102,000
New London, Connecticut 113 $ 23,262,000 $ 205,858 $ 80,000
Dare, North Carolina 113 $ 33,915,000 $ 300,132 $ 111,000
Orange, North Carolina 111 $ 22,628,000 $ 203,855 $ 132,000
Crow Wing, Minnesota 110 $ 21,503,000 $ 195,481 $ 81,000
Clay, Florida 108 $ 19,187,000 $ 177,657 $ 78,000
Outagamie, Wisconsin 108 $ 12,246,000 $ 113,388 $ 57,000
Madison, Illinois 107 $ 12,985,000 $ 121,355 $ 63,000
Lee, Mississippi 107 $ 10,667,000 $ 99,691 $ 47,000
Onslow, North Carolina 107 $ 17,674,000 $ 165,177 $ 75,000
Solano, California 106 $ 29,676,000 $ 279,962 $ 90,000
St. Clair, Illinois 104 $ 11,837,000 $ 113,817 $ 51,000
Forsyth, North Carolina 104 $ 17,885,000 $ 171,971 $ 121,000
Johnson, Indiana 103 $ 13,413,000 $ 130,223 $ 84,000
Indian River, Florida 102 $ 20,009,000 $ 196,166 $ 100,000
Douglas, Nebraska 102 $ 11,538,000 $ 113,117 $ 86,000
Shelby, Tennessee 102 $ 16,111,000 $ 157,950 $ 90,000
Brazos, Texas 102 $ 11,979,000 $ 117,441 $ 102,000
St. Croix, Wisconsin 102 $ 19,225,000 $ 188,480 $ 54,000
Elmore, Alabama 100 $ 17,588,000 $ 175,880 $ 126,000
Stearns, Minnesota 100 $ 15,876,000 $ 158,760 $ 63,000
York, Pennsylvania 100 $ 14,181,000 $ 141,810 $ 64,000
Lake, Indiana 99 $ 12,566,000 $ 126,929 $ 70,000
Kitsap, Washington 99 $ 31,331,000 $ 316,474 $ 123,000
Centre, Pennsylvania 98 $ 12,270,000 $ 125,204 $ 83,000
Ada, Idaho 96 $ 12,547,000 $ 130,697 $ 85,000
Lexington, South Carolina 96 $ 13,204,000 $ 137,541 $ 61,000
San Francisco, California 95 $ 45,641,000 $ 480,431 $ 146,000
Dallas, Iowa 95 $ 14,770,000 $ 155,473 $ 89,000
Orleans, Louisiana 95 $ 15,408,000 $ 162,189 $ 75,000
Camden, New Jersey 95 $ 13,685,000 $ 144,052 $ 79,000
Brazoria, Texas 95 $ 14,157,000 $ 149,021 $ 85,000
Henry, Georgia 94 $ 14,169,000 $ 150,734 $ 68,000
Carroll, Maryland 93 $ 19,739,000 $ 212,247 $ 63,000
Rice, Minnesota 93 $ 18,832,000 $ 202,494 $ 73,000
Passaic, New Jersey 93 $ 23,999,000 $ 258,053 $ 93,000
Bernalillo, New Mexico 93 $ 15,601,000 $ 167,752 $ 92,000
Delaware, Pennsylvania 93 $ 15,208,000 $ 163,526 $ 94,000
Tolland, Connecticut 92 $ 17,909,000 $ 194,663 $ 90,000
Charlotte, Florida 92 $ 16,468,000 $ 179,000 $ 95,000
Linn, Iowa 92 $ 13,812,000 $ 150,130 $ 152,000
Cameron, Texas 92 $ 12,032,000 $ 130,782 $ 86,000
Tulare, California 91 $ 16,348,000 $ 179,648 $ 117,000
Howard, Maryland 91 $ 22,338,000 $ 245,472 $ 90,000
Davidson, Tennessee 91 $ 15,287,000 $ 167,989 $ 94,000
Spotsylvania, Virginia 91 $ 18,963,000 $ 208,384 $ 74,000
Chisago, Minnesota 90 $ 18,348,000 $ 203,866 $ 60,000
DeKalb, Illinois 89 $ 11,514,000 $ 129,370 $ 67,000
Guilford, North Carolina 89 $ 17,495,000 $ 196,573 $ 90,000
Walworth, Wisconsin 89 $ 15,017,000 $ 168,730 $ 96,000
Warren, Iowa 88 $ 12,500,000 $ 142,045 $ 63,000
Franklin, Missouri 88 $ 13,693,000 $ 155,602 $ 83,000
Benton, Washington 88 $ 12,646,000 $ 143,704 $ 97,000
Lenawee, Michigan 87 $ 10,444,000 $ 120,045 $ 84,000
Putnam, New York 87 $ 23,385,000 $ 268,793 $ 201,000
Marion, Oregon 86 $ 12,614,000 $ 146,674 $ 84,000
Washington, Maryland 85 $ 18,404,000 $ 216,517 $ 69,000
Summit, Utah 85 $ 22,092,000 $ 259,905 $ 169,000
Mesa, Colorado 84 $ 13,602,000 $ 161,928 $ 76,000
Lancaster, Nebraska 84 $ 9,423,000 $ 112,178 $ 50,000
Lancaster, Pennsylvania 84 $ 11,495,000 $ 136,845 $ 67,000
Williamson, Tennessee 84 $ 20,907,000 $ 248,892 $ 120,000
Clarke, Georgia 83 $ 9,468,000 $ 114,072 $ 129,000
Newport, Rhode Island 83 $ 23,122,000 $ 278,578 $ 98,000
Davis, Utah 83 $ 12,213,000 $ 147,144 $ 59,000
Whatcom, Washington 83 $ 14,079,000 $ 169,626 $ 90,000
Portage, Ohio 82 $ 11,813,000 $ 144,060 $ 64,000
Alachua, Florida 81 $ 10,805,000 $ 133,395 $ 106,000
Sedgwick, Kansas 81 $ 7,415,000 $ 91,543 $ 67,000
Allen, Indiana 80 $ 8,237,000 $ 102,962 $ 60,000
Morgan, Missouri 80 $ 9,248,000 $ 115,600 $ 69,000
Flathead, Montana 80 $ 13,065,000 $ 163,312 $ 83,000
Orange, New York 80 $ 19,037,000 $ 237,962 $ 96,000
Clayton, Georgia 79 $ 9,441,000 $ 119,506 $ 52,000
Saratoga, New York 79 $ 16,230,000 $ 205,443 $ 84,000
Mercer, New Jersey 78 $ 16,257,000 $ 208,423 $ 71,000
Pierce, Wisconsin 78 $ 15,729,000 $ 201,653 $ 82,000
Burlington, New Jersey 77 $ 15,901,000 $ 206,506 $ 118,000
Cape May, New Jersey 77 $ 22,850,000 $ 296,753 $ 111,000
Buncombe, North Carolina 76 $ 13,354,000 $ 175,710 $ 65,000
Kalamazoo, Michigan 75 $ 9,277,000 $ 123,693 $ 53,000
Butler, Pennsylvania 75 $ 12,119,000 $ 161,586 $ 101,000
Morgan, Alabama 73 $ 7,588,000 $ 103,945 $ 78,000
Summit, Colorado 73 $ 17,240,000 $ 236,164 $ 169,000
Steele, Minnesota 73 $ 10,585,000 $ 145,000 $ 64,000
Hunterdon, New Jersey 73 $ 18,083,000 $ 247,712 $ 107,000
Pender, North Carolina 73 $ 15,690,000 $ 214,931 $ 174,000
Fairfield, Ohio 73 $ 10,473,000 $ 143,465 $ 68,000
Pulaski, Arkansas 72 $ 7,862,000 $ 109,194 $ 44,000
Harford, Maryland 72 $ 14,372,000 $ 199,611 $ 71,000
Lincoln, Missouri 72 $ 10,072,000 $ 139,888 $ 62,000
Kent, Rhode Island 72 $ 16,341,000 $ 226,958 $ 100,000
Richmond City, Virginia 72 $ 12,161,000 $ 168,902 $ 77,000
Marathon, Wisconsin 72 $ 6,547,000 $ 90,930 $ 58,000
Chatham, Georgia 71 $ 13,941,000 $ 196,352 $ 133,000
Ozaukee, Wisconsin 71 $ 15,975,000 $ 225,000 $ 109,000
Montgomery, Ohio 70 $ 8,940,000 $ 127,714 $ 53,000
St. Tammany, Louisiana 69 $ 11,369,000 $ 164,768 $ 90,000
Lapeer, Michigan 69 $ 9,855,000 $ 142,826 $ 67,000
Warren, New Jersey 69 $ 13,669,000 $ 198,101 $ 75,000
Yolo, California 68 $ 18,586,000 $ 273,323 $ 104,000
Worcester, Maryland 67 $ 15,473,000 $ 230,940 $ 128,000
Albany, New York 66 $ 9,719,000 $ 147,257 $ 82,000
Jackson, Michigan 65 $ 9,062,000 $ 139,415 $ 69,000
Arlington, Virginia 65 $ 21,871,000 $ 336,476 $ 144,000
St. Clair, Alabama 64 $ 7,567,000 $ 118,234 $ 53,000
Ouachita, Louisiana 64 $ 7,172,000 $ 112,062 $ 45,000
Midland, Michigan 64 $ 8,065,000 $ 126,015 $ 77,000
Eagle, Colorado 63 $ 17,733,000 $ 281,476 $ 214,000
Atlantic, New Jersey 63 $ 12,406,000 $ 196,920 $ 114,000
Grayson, Texas 63 $ 6,520,000 $ 103,492 $ 58,000
McLeod, Minnesota 62 $ 9,420,000 $ 151,935 $ 57,000
Laurens, South Carolina 61 $ 6,251,000 $ 102,475 $ 53,000
Alexandria, Virginia 61 $ 17,719,000 $ 290,475 $ 96,000
Dodge, Wisconsin 61 $ 8,889,000 $ 145,721 $ 73,000
Flagler, Florida 60 $ 11,920,000 $ 198,666 $ 81,000
Newton, Georgia 60 $ 9,871,000 $ 164,516 $ 53,000
Boone, Missouri 60 $ 8,776,000 $ 146,266 $ 76,000
New York, New York 60 $ 24,467,000 $ 407,783 $ 206,000
Beaver, Pennsylvania 60 $ 7,591,000 $ 126,516 $ 52,000
Knox, Tennessee 60 $ 9,391,000 $ 156,516 $ 177,000
Hardin, Texas 60 $ 7,303,000 $ 121,716 $ 67,000
Utah, Utah 60 $ 9,459,000 $ 157,650 $ 97,000
St. Clair, Michigan 59 $ 8,231,000 $ 139,508 $ 67,000
Platte, Missouri 59 $ 9,482,000 $ 160,711 $ 76,000
Rockland, New York 59 $ 17,204,000 $ 291,593 $ 134,000
Union, North Carolina 59 $ 12,323,000 $ 208,864 $ 103,000
Stafford, Virginia 59 $ 13,515,000 $ 229,067 $ 91,000
Jefferson, Wisconsin 59 $ 9,185,000 $ 155,677 $ 64,000
Licking, Ohio 58 $ 9,155,000 $ 157,844 $ 59,000
Deschutes, Oregon 58 $ 11,033,000 $ 190,224 $ 91,000
Chesapeake, Virginia 58 $ 10,864,000 $ 187,310 $ 73,000
Clark, Wisconsin 57 $ 4,936,000 $ 86,596 $ 41,000
Broomfield, Colorado 56 $ 10,586,000 $ 189,035 $ 73,000
Isanti, Minnesota 56 $ 10,859,000 $ 193,910 $ 74,000
Cass, Missouri 56 $ 7,769,000 $ 138,732 $ 68,000
Geauga, Ohio 56 $ 10,479,000 $ 187,125 $ 66,000
Navajo, Arizona 55 $ 8,460,000 $ 153,818 $ 98,000
Goodhue, Minnesota 55 $ 11,520,000 $ 209,454 $ 89,000
San Juan, New Mexico 55 $ 9,155,000 $ 166,454 $ 87,000
Hays, Texas 55 $ 10,913,000 $ 198,418 $ 74,000
Hanover, Virginia 55 $ 11,065,000 $ 201,181 $ 71,000
Winnebago, Wisconsin 55 $ 5,862,000 $ 106,581 $ 49,000
Gila, Arizona 54 $ 10,889,000 $ 201,648 $ 115,000
New Castle, Delaware 54 $ 9,205,000 $ 170,462 $ 65,000
Harrison, Mississippi 54 $ 9,771,000 $ 180,944 $ 70,000
Union, Mississippi 54 $ 5,927,000 $ 109,759 $ 43,000
Sauk, Wisconsin 54 $ 6,986,000 $ 129,370 $ 43,000
Hampshire, Massachusetts 53 $ 8,652,000 $ 163,245 $ 44,000
Saginaw, Michigan 53 $ 6,118,000 $ 115,433 $ 68,000
Currituck, North Carolina 53 $ 17,866,000 $ 337,094 $ 112,000
Comal, Texas 53 $ 8,719,000 $ 164,509 $ 110,000
Payne, Oklahoma 52 $ 5,227,000 $ 100,519 $ 71,000
Nassau, Florida 51 $ 12,244,000 $ 240,078 $ 131,000
Carroll, New Hampshire 51 $ 10,661,000 $ 209,039 $ 106,000
Cleveland, Oklahoma 51 $ 6,294,000 $ 123,411 $ 85,000
Albemarle, Virginia 51 $ 9,620,000 $ 188,627 $ 73,000
Cochise, Arizona 50 $ 6,529,000 $ 130,580 $ 69,000
Paulding, Georgia 50 $ 6,907,000 $ 138,140 $ 58,000
Carson City, Nevada 50 $ 10,078,000 $ 201,560 $ 95,000
Bronx, New York 50 $ 15,359,000 $ 307,180 $ 93,000
Hidalgo, Texas 50 $ 6,530,000 $ 130,600 $ 64,000
Monterey, California 49 $ 17,885,000 $ 365,000 $ 135,000
Union, Georgia 49 $ 7,011,000 $ 143,081 $ 73,000
Madison, Indiana 49 $ 4,217,000 $ 86,061 $ 40,000
Androscoggin, Maine 49 $ 6,850,000 $ 139,795 $ 73,000
Sevier, Tennessee 49 $ 6,818,000 $ 139,142 $ 115,000
Newport News, Virginia 49 $ 6,640,000 $ 135,510 $ 69,000
Santa Barbara, California 48 $ 18,390,000 $ 383,125 $ 116,000
Charles, Maryland 48 $ 12,743,000 $ 265,479 $ 90,000
Berks, Pennsylvania 48 $ 7,856,000 $ 163,666 $ 71,000
Citrus, Florida 47 $ 7,022,000 $ 149,404 $ 52,000
Fayette, Georgia 47 $ 10,493,000 $ 223,255 $ 98,000
Floyd, Georgia 47 $ 3,333,000 $ 70,914 $ 42,000
Walton, Georgia 47 $ 7,862,000 $ 167,276 $ 45,000
Rock Island, Illinois 47 $ 4,362,000 $ 92,808 $ 42,000
Marin, California 46 $ 23,352,000 $ 507,652 $ 158,000
San Luis Obispo, California 46 $ 15,063,000 $ 327,456 $ 110,000
Hancock, Indiana 46 $ 5,919,000 $ 128,673 $ 90,000
Ionia, Michigan 46 $ 4,288,000 $ 93,217 $ 29,000
Belknap, New Hampshire 46 $ 9,039,000 $ 196,500 $ 89,000
Kay, Oklahoma 46 $ 3,901,000 $ 84,804 $ 49,000
Eau Claire, Wisconsin 46 $ 4,982,000 $ 108,304 $ 53,000
Hernando, Florida 45 $ 6,686,000 $ 148,577 $ 40,000
Dukes, Massachusetts 45 $ 15,478,000 $ 343,955 $ 138,000
Cass, Minnesota 45 $ 8,524,000 $ 189,422 $ 116,000
Northampton, Pennsylvania 45 $ 8,163,000 $ 181,400 $ 70,000
Jefferson, West Virginia 45 $ 9,326,000 $ 207,244 $ 94,000
Madera, California 44 $ 10,293,000 $ 233,931 $ 80,000
Morgan, Indiana 44 $ 5,979,000 $ 135,886 $ 65,000
Mower, Minnesota 44 $ 5,143,000 $ 116,886 $ 61,000
Orange, Texas 44 $ 4,367,000 $ 99,250 $ 62,000
Berkeley, West Virginia 44 $ 6,885,000 $ 156,477 $ 70,000
Black Hawk, Iowa 43 $ 3,812,000 $ 88,651 $ 54,000
Iberia, Louisiana 43 $ 4,503,000 $ 104,720 $ 141,000
Cole, Missouri 43 $ 4,407,000 $ 102,488 $ 53,000
Merrimack, New Hampshire 43 $ 7,723,000 $ 179,604 $ 64,000
Lane, Oregon 43 $ 6,882,000 $ 160,046 $ 58,000
Graham, Arizona 42 $ 4,407,000 $ 104,928 $ 50,000
Sonoma, California 42 $ 11,828,000 $ 281,619 $ 143,000
Latah, Idaho 42 $ 4,929,000 $ 117,357 $ 75,000
Miami, Kansas 42 $ 5,041,000 $ 120,023 $ 57,000
Butte, California 41 $ 8,305,000 $ 202,560 $ 86,000
Hall, Georgia 41 $ 6,712,000 $ 163,707 $ 56,000
Johnson, Iowa 41 $ 6,916,000 $ 168,682 $ 67,000
Clinton, Michigan 41 $ 5,919,000 $ 144,365 $ 58,000
Wood, Wisconsin 41 $ 4,009,000 $ 97,780 $ 47,000
Sutter, California 40 $ 9,269,000 $ 231,725 $ 81,000
Archuleta, Colorado 40 $ 7,505,000 $ 187,625 $ 87,000
Elbert, Colorado 40 $ 8,749,000 $ 218,725 $ 106,000
Spalding, Georgia 40 $ 3,379,000 $ 84,475 $ 58,000
Blaine, Idaho 40 $ 13,614,000 $ 340,350 $ 146,000
Douglas, Kansas 40 $ 6,409,000 $ 160,225 $ 79,000
Wyandotte, Kansas 40 $ 4,476,000 $ 111,900 $ 59,000
Pickens, South Carolina 40 $ 5,003,000 $ 125,075 $ 97,000
Franklin, Vermont 40 $ 6,251,000 $ 156,275 $ 56,000
Tuscaloosa, Alabama 39 $ 4,743,000 $ 121,615 $ 72,000
Coweta, Georgia 39 $ 6,038,000 $ 154,820 $ 55,000
Boone, Indiana 39 $ 7,384,000 $ 189,333 $ 85,000
Otter Tail, Minnesota 39 $ 6,252,000 $ 160,307 $ 99,000
Routt, Colorado 38 $ 9,699,000 $ 255,236 $ 107,000
Houston, Georgia 38 $ 5,133,000 $ 135,078 $ 64,000
Shawnee, Kansas 38 $ 3,946,000 $ 103,842 $ 62,000
Warren, Missouri 38 $ 4,728,000 $ 124,421 $ 56,000
Yamhill, Oregon 38 $ 6,185,000 $ 162,763 $ 80,000
Spartanburg, South Carolina 38 $ 4,963,000 $ 130,605 $ 99,000
Polk, Wisconsin 38 $ 5,826,000 $ 153,315 $ 54,000
La Plata, Colorado 37 $ 6,713,000 $ 181,432 $ 94,000
Highlands, Florida 37 $ 4,598,000 $ 124,270 $ 69,000
Lyon, Nevada 37 $ 6,550,000 $ 177,027 $ 94,000
James City, Virginia 37 $ 8,810,000 $ 238,108 $ 105,000
Autauga, Alabama 36 $ 4,460,000 $ 123,888 $ 57,000
Calaveras, California 36 $ 8,776,000 $ 243,777 $ 120,000
Calvert, Maryland 36 $ 10,402,000 $ 288,944 $ 144,000
Meeker, Minnesota 36 $ 5,749,000 $ 159,694 $ 56,000
Chatham, North Carolina 36 $ 6,959,000 $ 193,305 $ 74,000
York, South Carolina 36 $ 6,737,000 $ 187,138 $ 127,000
Park, Colorado 35 $ 4,551,000 $ 130,028 $ 87,000
Jo Daviess, Illinois 35 $ 3,754,000 $ 107,257 $ 63,000
Campbell, Kentucky 35 $ 6,060,000 $ 173,142 $ 63,000
Cecil, Maryland 35 $ 5,318,000 $ 151,942 $ 166,000
Ottawa, Michigan 35 $ 6,207,000 $ 177,342 $ 98,000
Sandoval, New Mexico 35 $ 6,691,000 $ 191,171 $ 61,000
Texas, Oklahoma 35 $ 3,054,000 $ 87,257 $ 55,000
Bristol, Rhode Island 35 $ 9,039,000 $ 258,257 $ 103,000
Nueces, Texas 35 $ 4,756,000 $ 135,885 $ 79,000
Weber, Utah 35 $ 4,710,000 $ 134,571 $ 70,000
York, Virginia 35 $ 7,210,000 $ 206,000 $ 72,000
Troup, Georgia 34 $ 4,534,000 $ 133,352 $ 58,000
Lawrence, Indiana 34 $ 3,514,000 $ 103,352 $ 52,000
Ascension, Louisiana 34 $ 4,546,000 $ 133,705 $ 79,000
St. Martin, Louisiana 34 $ 4,873,000 $ 143,323 $ 61,000
Eaton, Michigan 34 $ 4,081,000 $ 120,029 $ 57,000
Douglas, Nevada 34 $ 10,095,000 $ 296,911 $ 130,000
Lincoln, Oregon 34 $ 5,003,000 $ 147,147 $ 71,000
Adams, Pennsylvania 34 $ 4,933,000 $ 145,088 $ 71,000
Taylor, Wisconsin 34 $ 3,687,000 $ 108,441 $ 48,000
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Mortgage Loan Application Detail Totals for Amtrust 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 84,641 $15,711,256,000 $176,058 $2,500,000 $87,411 $7,899,000
Refinancing 67,650 $14,395,524,000 $190,607 $3,000,000 $79,588 $6,050,000
Home Improvement 0 $0 $0 $0 $0 $0

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 112,155 $22,120,046,000 $184,803 $3,000,000 $88,058 $7,899,000
Not Provided 17,626 $3,609,237,000 $175,060 $2,000,000 $79,360 $4,171,000
Hispanic 9,417 $1,794,321,000 $171,479 $1,610,000 $72,791 $1,539,000
Asian 6,141 $1,410,884,000 $194,770 $1,680,000 $92,041 $5,820,000
Black or African American 5,965 $995,284,000 $158,659 $945,000 $74,595 $3,000,000
Native Hawaiian or Other Pacific Islander 385 $81,200,000 $188,292 $732,000 $87,268 $550,000
Not applicable 317 $42,449,000 $181,551 $530,000 $81,137 $438,000
American Indian or Alaskan Native 285 $53,359,000 $172,652 $836,000 $85,608 $2,088,000

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) 152,169 $30,095,977,000 $182,019 $3,000,000 $83,647 $7,899,000
FHA-insured (Federal Housing Administration) 112 $9,797,000 $91,666 $181,000 $26,333 $46,000
VA-guaranteed (Veterans Administration) 10 $1,006,000 $99,750 $230,000 $30,750 $47,000
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 109,352 $21,440,298,000 $179,352 $3,000,000 $88,509 $7,899,000
Loan Purchased By The Institution 18,708 $3,516,771,000 $181,941 $2,000,000 $84,647 $4,462,000
Application Withdrawn By Applicant 13,922 $2,744,635,000 $180,360 $2,000,000 $71,340 $6,000,000
Application Denied By Financial Institution 5,618 $1,366,419,000 $209,156 $2,000,000 $85,529 $4,223,000
Application Approved But Not Accepted 4,264 $963,230,000 $207,725 $2,000,000 $75,431 $5,820,000
Preapproval Denied by Financial Institution 332 $59,263,000 $178,000 $1,200,000 $66,000 $720,000
Preapproval Approved but not Accepted 95 $16,164,000 $170,000 $600,000 $63,000 $462,000
File Closed For Incompleteness 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 Application Incomplete 3,044 $735,498,000 $206,408 $1,995,000 $82,755 $4,223,000
Other 1,379 $337,737,000 $208,434 $2,000,000 $85,826 $1,437,000
Credit History 498 $97,000,000 $194,921 $1,367,000 $64,763 $881,000
Collateral 457 $112,514,000 $220,463 $1,723,000 $100,512 $950,000
Debt-To-Income Ratio 366 $91,657,000 $231,190 $1,656,000 $84,452 $639,000
Employment History 97 $24,340,000 $224,346 $1,089,000 $83,269 $799,000
Insufficient Cash (Downpayment, Closing Cost) 44 $12,220,000 $305,222 $975,000 $148,277 $550,000
Unverifiable Information 35 $9,877,000 $239,071 $881,000 $80,785 $264,000
Mortgage Insurance Denied 30 $4,839,000 $150,833 $360,000 $77,944 $360,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Amtrust 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 Amtrust 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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