Amtrust Bank Mortgage Lending & HMDA Data, 2007

In 2007, Amtrust Bank of Cleveland, OH reported 140,459 mortgage applications totaling $27.8 billion, up 7% from 2006. The average application was for $198,105, and applicants reported an average income of $92,032. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (5,245), Chicago-Naperville-Joliet, IL (4,533) and Phoenix-Mesa-Scottsdale, AZ (4,209) (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 140,459
Total Mortgage Loan Application Amount $27,825,714,000
Average Mortgage Loan Application Amount $198,105
Highest Mortgage Loan Application Amount $2,500,000
Average Applicant Income $92,032
Highest Applicant Income $9,644,000

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Act (HMDA) records Amtrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 3,947 $ 937,250,000 $ 237,458 $ 105,000
Harris, Texas 3,402 $ 526,953,000 $ 154,895 $ 96,000
Cook, Illinois 2,554 $ 613,729,000 $ 240,301 $ 103,000
Clark, Nevada 1,938 $ 465,525,000 $ 240,208 $ 127,000
Palm Beach, Florida 1,811 $ 419,666,000 $ 231,731 $ 98,000
Broward, Florida 1,662 $ 364,817,000 $ 219,504 $ 80,000
St. Louis, Missouri 1,647 $ 301,050,000 $ 182,786 $ 93,000
Los Angeles, California 1,426 $ 528,143,000 $ 370,366 $ 142,000
Jefferson, Alabama 1,410 $ 204,054,000 $ 144,719 $ 64,000
Oakland, Michigan 1,350 $ 270,099,000 $ 200,073 $ 105,000
King, Washington 1,326 $ 439,820,000 $ 331,689 $ 133,000
Miami-Dade, Florida 1,196 $ 296,306,000 $ 247,747 $ 119,000
Mobile, Alabama 1,122 $ 155,026,000 $ 138,169 $ 65,000
Polk, Iowa 1,061 $ 140,741,000 $ 132,649 $ 65,000
Greenville, South Carolina 1,056 $ 154,376,000 $ 146,189 $ 67,000
San Diego, California 992 $ 336,440,000 $ 339,153 $ 133,000
Wayne, Michigan 980 $ 135,253,000 $ 138,013 $ 82,000
Tarrant, Texas 980 $ 147,959,000 $ 150,978 $ 93,000
Santa Clara, California 899 $ 460,861,000 $ 512,637 $ 160,000
Worcester, Massachusetts 894 $ 180,301,000 $ 201,678 $ 73,000
Dallas, Texas 872 $ 160,666,000 $ 184,250 $ 111,000
Milwaukee, Wisconsin 861 $ 136,630,000 $ 158,687 $ 74,000
Hennepin, Minnesota 842 $ 181,999,000 $ 216,150 $ 97,000
Cuyahoga, Ohio 820 $ 97,270,000 $ 118,621 $ 62,000
Orange, California 808 $ 357,209,000 $ 442,090 $ 183,000
Pima, Arizona 771 $ 167,351,000 $ 217,057 $ 124,000
Orange, Florida 771 $ 168,793,000 $ 218,927 $ 89,000
Mecklenburg, North Carolina 756 $ 126,869,000 $ 167,816 $ 96,000
Franklin, Ohio 755 $ 101,078,000 $ 133,878 $ 75,000
Marion, Indiana 753 $ 95,487,000 $ 126,808 $ 68,000
St. Charles, Missouri 741 $ 128,382,000 $ 173,255 $ 84,000
Travis, Texas 737 $ 143,002,000 $ 194,032 $ 114,000
Fort Bend, Texas 714 $ 120,056,000 $ 168,145 $ 121,000
Lafayette, Louisiana 712 $ 111,857,000 $ 157,102 $ 77,000
Hillsborough, Florida 708 $ 144,943,000 $ 204,721 $ 94,000
Gwinnett, Georgia 696 $ 122,298,000 $ 175,715 $ 73,000
Wake, North Carolina 684 $ 129,556,000 $ 189,409 $ 95,000
Hartford, Connecticut 655 $ 128,552,000 $ 196,262 $ 87,000
Shelby, Alabama 641 $ 108,513,000 $ 169,287 $ 73,000
Fulton, Georgia 633 $ 137,117,000 $ 216,614 $ 105,000
Waukesha, Wisconsin 628 $ 137,921,000 $ 219,619 $ 96,000
Baldwin, Alabama 621 $ 128,694,000 $ 207,236 $ 118,000
Denton, Texas 619 $ 106,324,000 $ 171,767 $ 101,000
Allegheny, Pennsylvania 609 $ 78,763,000 $ 129,331 $ 82,000
Middlesex, Massachusetts 588 $ 157,275,000 $ 267,474 $ 95,000
Marion, Florida 580 $ 119,424,000 $ 205,903 $ 60,000
Riverside, California 573 $ 182,774,000 $ 318,977 $ 147,000
New Haven, Connecticut 571 $ 120,153,000 $ 210,425 $ 83,000
Alameda, California 553 $ 242,355,000 $ 438,254 $ 155,000
Macomb, Michigan 544 $ 80,913,000 $ 148,737 $ 73,000
New Hanover, North Carolina 544 $ 107,334,000 $ 197,305 $ 104,000
Montgomery, Texas 518 $ 88,539,000 $ 170,924 $ 98,000
Collin, Texas 514 $ 99,162,000 $ 192,922 $ 111,000
Johnson, Kansas 513 $ 92,445,000 $ 180,204 $ 93,000
Hamilton, Indiana 502 $ 96,036,000 $ 191,306 $ 97,000
Essex, Massachusetts 483 $ 129,888,000 $ 268,919 $ 83,000
Pinellas, Florida 472 $ 97,120,000 $ 205,762 $ 104,000
Livingston, Michigan 470 $ 86,414,000 $ 183,859 $ 86,000
Kane, Illinois 466 $ 93,444,000 $ 200,523 $ 81,000
Jackson, Missouri 465 $ 62,101,000 $ 133,550 $ 82,000
DuPage, Illinois 455 $ 103,320,000 $ 227,076 $ 103,000
Philadelphia, Pennsylvania 449 $ 67,640,000 $ 150,645 $ 71,000
Lake, Indiana 444 $ 61,130,000 $ 137,680 $ 63,000
Boulder, Colorado 428 $ 108,938,000 $ 254,528 $ 115,000
St. Louis City, Missouri 414 $ 55,684,000 $ 134,502 $ 68,000
Bexar, Texas 412 $ 68,707,000 $ 166,764 $ 99,000
Washtenaw, Michigan 408 $ 79,042,000 $ 193,730 $ 107,000
Lake, Illinois 401 $ 97,098,000 $ 242,139 $ 110,000
Baltimore City, Maryland 399 $ 65,660,000 $ 164,561 $ 83,000
Prince George's, Maryland 399 $ 107,601,000 $ 269,676 $ 95,000
Montgomery, Maryland 398 $ 129,182,000 $ 324,577 $ 118,000
Will, Illinois 395 $ 85,701,000 $ 216,964 $ 84,000
Sarasota, Florida 393 $ 99,812,000 $ 253,974 $ 138,000
Salt Lake, Utah 391 $ 84,461,000 $ 216,012 $ 102,000
Jefferson, Colorado 385 $ 85,345,000 $ 221,675 $ 98,000
Lee, Florida 377 $ 87,090,000 $ 231,007 $ 123,000
Leon, Florida 376 $ 70,166,000 $ 186,611 $ 92,000
Spartanburg, South Carolina 375 $ 50,661,000 $ 135,096 $ 64,000
Summit, Ohio 374 $ 44,547,000 $ 119,109 $ 59,000
Multnomah, Oregon 374 $ 86,568,000 $ 231,465 $ 108,000
San Bernardino, California 365 $ 106,715,000 $ 292,369 $ 120,000
DeKalb, Georgia 365 $ 69,922,000 $ 191,567 $ 84,000
Cumberland, Maine 364 $ 77,215,000 $ 212,129 $ 86,000
Cobb, Georgia 363 $ 64,665,000 $ 178,140 $ 81,000
Montgomery, Pennsylvania 362 $ 71,994,000 $ 198,878 $ 86,000
Denver, Colorado 361 $ 79,656,000 $ 220,653 $ 134,000
Ramsey, Minnesota 360 $ 71,379,000 $ 198,275 $ 76,000
Charleston, South Carolina 355 $ 88,129,000 $ 248,250 $ 123,000
Duval, Florida 353 $ 63,518,000 $ 179,937 $ 76,000
Suffolk, New York 353 $ 111,280,000 $ 315,240 $ 109,000
Lancaster, Pennsylvania 353 $ 55,284,000 $ 156,611 $ 68,000
Jefferson, Kentucky 346 $ 49,638,000 $ 143,462 $ 80,000
McHenry, Illinois 345 $ 70,253,000 $ 203,631 $ 90,000
Fairfield, Connecticut 344 $ 103,147,000 $ 299,845 $ 114,000
Horry, South Carolina 337 $ 73,558,000 $ 218,272 $ 149,000
Snohomish, Washington 337 $ 92,616,000 $ 274,824 $ 98,000
Sacramento, California 335 $ 87,529,000 $ 261,280 $ 105,000
Seminole, Florida 332 $ 71,553,000 $ 215,521 $ 93,000
Baltimore, Maryland 324 $ 68,916,000 $ 212,703 $ 80,000
Jefferson, Missouri 323 $ 49,160,000 $ 152,198 $ 65,000
Contra Costa, California 322 $ 140,689,000 $ 436,922 $ 179,000
Hamilton, Ohio 317 $ 45,659,000 $ 144,034 $ 76,000
Dakota, Minnesota 308 $ 61,877,000 $ 200,899 $ 77,000
York, Pennsylvania 308 $ 42,497,000 $ 137,977 $ 66,000
Montgomery, Alabama 302 $ 45,233,000 $ 149,778 $ 82,000
Arapahoe, Colorado 299 $ 57,329,000 $ 191,735 $ 87,000
Williamson, Texas 298 $ 47,472,000 $ 159,302 $ 90,000
Galveston, Texas 294 $ 49,311,000 $ 167,724 $ 106,000
Anoka, Minnesota 292 $ 60,977,000 $ 208,825 $ 77,000
St. Clair, Alabama 285 $ 42,577,000 $ 149,392 $ 65,000
Ocean, New Jersey 285 $ 70,349,000 $ 246,838 $ 105,000
District of Columbia, District Of Columbia 284 $ 87,626,000 $ 308,542 $ 134,000
Delaware, Pennsylvania 283 $ 50,506,000 $ 178,466 $ 82,000
Anne Arundel, Maryland 273 $ 75,391,000 $ 276,157 $ 110,000
Jefferson, Texas 270 $ 34,978,000 $ 129,548 $ 76,000
St. Clair, Illinois 265 $ 30,544,000 $ 115,260 $ 60,000
East Baton Rouge, Louisiana 264 $ 40,561,000 $ 153,640 $ 81,000
Plymouth, Massachusetts 264 $ 72,236,000 $ 273,621 $ 85,000
Pinal, Arizona 262 $ 50,681,000 $ 193,438 $ 88,000
St. Lucie, Florida 261 $ 54,311,000 $ 208,088 $ 70,000
Jefferson, Louisiana 261 $ 39,055,000 $ 149,636 $ 54,000
Davidson, Tennessee 260 $ 41,771,000 $ 160,657 $ 83,000
Fresno, California 259 $ 61,242,000 $ 236,455 $ 91,000
Stark, Ohio 257 $ 29,384,000 $ 114,334 $ 59,000
Bucks, Pennsylvania 257 $ 59,201,000 $ 230,354 $ 81,000
Richland, South Carolina 257 $ 43,654,000 $ 169,859 $ 75,000
Suffolk, Massachusetts 251 $ 69,369,000 $ 276,370 $ 99,000
Ouachita, Louisiana 249 $ 31,243,000 $ 125,473 $ 59,000
Genesee, Michigan 249 $ 33,612,000 $ 134,987 $ 67,000
Douglas, Colorado 245 $ 71,229,000 $ 290,730 $ 134,000
Norfolk, Massachusetts 245 $ 70,961,000 $ 289,636 $ 103,000
Osceola, Florida 240 $ 51,045,000 $ 212,687 $ 101,000
Volusia, Florida 240 $ 43,697,000 $ 182,070 $ 95,000
Lehigh, Pennsylvania 236 $ 38,995,000 $ 165,233 $ 70,000
Madison, Alabama 235 $ 33,149,000 $ 141,059 $ 74,000
Kern, California 233 $ 50,748,000 $ 217,802 $ 94,000
Lexington, South Carolina 233 $ 37,782,000 $ 162,154 $ 70,000
Monmouth, New Jersey 231 $ 71,699,000 $ 310,385 $ 130,000
Monroe, Indiana 229 $ 29,503,000 $ 128,834 $ 73,000
Camden, New Jersey 229 $ 38,046,000 $ 166,139 $ 80,000
Camden, Missouri 228 $ 41,407,000 $ 181,609 $ 124,000
Douglas, Nebraska 228 $ 32,117,000 $ 140,864 $ 69,000
Nassau, New York 228 $ 75,149,000 $ 329,600 $ 105,000
Cameron, Texas 225 $ 32,004,000 $ 142,240 $ 97,000
Middlesex, Connecticut 224 $ 49,522,000 $ 221,080 $ 95,000
Clay, Missouri 224 $ 34,769,000 $ 155,218 $ 68,000
Stanislaus, California 223 $ 57,385,000 $ 257,331 $ 92,000
Berks, Pennsylvania 221 $ 37,787,000 $ 170,981 $ 72,000
Windham, Connecticut 217 $ 41,087,000 $ 189,341 $ 74,000
Ingham, Michigan 215 $ 29,017,000 $ 134,962 $ 79,000
Brunswick, North Carolina 215 $ 47,658,000 $ 221,665 $ 108,000
Lauderdale, Alabama 214 $ 22,361,000 $ 104,490 $ 56,000
Adams, Colorado 212 $ 37,805,000 $ 178,325 $ 80,000
Whatcom, Washington 212 $ 47,589,000 $ 224,476 $ 89,000
Polk, Florida 209 $ 37,406,000 $ 178,976 $ 81,000
Bergen, New Jersey 209 $ 70,229,000 $ 336,023 $ 110,000
Gloucester, New Jersey 209 $ 39,746,000 $ 190,172 $ 81,000
Lucas, Ohio 208 $ 28,142,000 $ 135,298 $ 71,000
Brown, Wisconsin 208 $ 29,427,000 $ 141,475 $ 84,000
Okaloosa, Florida 207 $ 43,357,000 $ 209,454 $ 108,000
Dane, Wisconsin 205 $ 41,535,000 $ 202,609 $ 92,000
Ulster, New York 204 $ 41,351,000 $ 202,700 $ 94,000
Shelby, Tennessee 202 $ 30,442,000 $ 150,702 $ 68,000
Mesa, Colorado 201 $ 41,332,000 $ 205,631 $ 76,000
Johnson, Indiana 199 $ 25,501,000 $ 128,145 $ 72,000
Washington, Minnesota 198 $ 47,662,000 $ 240,717 $ 87,000
Chester, Pennsylvania 198 $ 43,521,000 $ 219,803 $ 97,000
Brazoria, Texas 198 $ 28,715,000 $ 145,025 $ 85,000
Barnstable, Massachusetts 196 $ 56,442,000 $ 287,969 $ 89,000
San Mateo, California 195 $ 96,230,000 $ 493,487 $ 143,000
Pasco, Florida 191 $ 34,750,000 $ 181,937 $ 78,000
Rockingham, New Hampshire 189 $ 49,630,000 $ 262,592 $ 95,000
Knox, Tennessee 189 $ 27,065,000 $ 143,201 $ 56,000
Washington, Oregon 187 $ 43,089,000 $ 230,422 $ 87,000
Providence, Rhode Island 186 $ 37,258,000 $ 200,311 $ 68,000
Middlesex, New Jersey 185 $ 46,538,000 $ 251,556 $ 94,000
Greene, Missouri 184 $ 21,739,000 $ 118,146 $ 65,000
Fairfax, Virginia 183 $ 60,733,000 $ 331,874 $ 118,000
Collier, Florida 181 $ 56,164,000 $ 310,298 $ 165,000
Bernalillo, New Mexico 181 $ 32,779,000 $ 181,099 $ 96,000
St. Joseph, Indiana 179 $ 18,560,000 $ 103,687 $ 47,000
Guilford, North Carolina 179 $ 26,632,000 $ 148,782 $ 88,000
St. Johns, Florida 178 $ 46,115,000 $ 259,073 $ 107,000
Hillsborough, New Hampshire 178 $ 38,885,000 $ 218,455 $ 88,000
Washington, Wisconsin 178 $ 34,447,000 $ 193,522 $ 75,000
Bibb, Georgia 177 $ 26,268,000 $ 148,406 $ 76,000
Beaufort, South Carolina 177 $ 41,453,000 $ 234,197 $ 118,000
Lake, Florida 173 $ 35,603,000 $ 205,797 $ 79,000
Allen, Indiana 173 $ 20,578,000 $ 118,947 $ 60,000
Bay, Florida 172 $ 38,577,000 $ 224,284 $ 172,000
Oklahoma, Oklahoma 171 $ 23,597,000 $ 137,994 $ 116,000
Brevard, Florida 169 $ 31,664,000 $ 187,360 $ 91,000
Chittenden, Vermont 169 $ 35,731,000 $ 211,426 $ 95,000
Ada, Idaho 168 $ 34,403,000 $ 204,779 $ 103,000
Northampton, Pennsylvania 167 $ 30,102,000 $ 180,251 $ 72,000
York, Maine 166 $ 33,310,000 $ 200,662 $ 79,000
Burlington, New Jersey 166 $ 36,687,000 $ 221,006 $ 98,000
Hampden, Massachusetts 165 $ 27,099,000 $ 164,236 $ 71,000
Manatee, Florida 163 $ 39,938,000 $ 245,018 $ 158,000
Lancaster, Nebraska 163 $ 20,781,000 $ 127,490 $ 58,000
Buncombe, North Carolina 163 $ 26,702,000 $ 163,815 $ 78,000
Sheboygan, Wisconsin 163 $ 21,737,000 $ 133,355 $ 67,000
Hudson, New Jersey 162 $ 49,352,000 $ 304,641 $ 101,000
Dallas, Iowa 161 $ 27,199,000 $ 168,937 $ 87,000
Monroe, Pennsylvania 161 $ 26,396,000 $ 163,950 $ 61,000
Etowah, Alabama 159 $ 18,031,000 $ 113,402 $ 51,000
Clackamas, Oregon 158 $ 44,970,000 $ 284,620 $ 121,000
New London, Connecticut 157 $ 35,064,000 $ 223,337 $ 93,000
Madison, Illinois 157 $ 20,370,000 $ 129,745 $ 69,000
Hendricks, Indiana 157 $ 22,115,000 $ 140,859 $ 76,000
Scott, Iowa 157 $ 20,260,000 $ 129,044 $ 63,000
Fayette, Kentucky 157 $ 21,599,000 $ 137,573 $ 76,000
Durham, North Carolina 157 $ 27,123,000 $ 172,757 $ 81,000
Yavapai, Arizona 155 $ 36,064,000 $ 232,670 $ 99,000
Frederick, Maryland 155 $ 37,845,000 $ 244,161 $ 73,000
Martin, Florida 154 $ 36,437,000 $ 236,603 $ 114,000
Hamilton, Tennessee 153 $ 23,132,000 $ 151,189 $ 94,000
Porter, Indiana 152 $ 24,795,000 $ 163,125 $ 81,000
Sedgwick, Kansas 151 $ 15,992,000 $ 105,907 $ 66,000
Wright, Minnesota 150 $ 30,924,000 $ 206,160 $ 77,000
Essex, New Jersey 150 $ 43,840,000 $ 292,266 $ 96,000
Warren, Ohio 150 $ 27,338,000 $ 182,253 $ 82,000
Vanderburgh, Indiana 149 $ 16,793,000 $ 112,704 $ 56,000
Comal, Texas 149 $ 27,938,000 $ 187,503 $ 108,000
Kendall, Illinois 148 $ 27,772,000 $ 187,648 $ 77,000
Elkhart, Indiana 148 $ 17,552,000 $ 118,594 $ 48,000
Tippecanoe, Indiana 147 $ 18,822,000 $ 128,040 $ 75,000
Lee, Mississippi 147 $ 17,383,000 $ 118,251 $ 63,000
Queens, New York 147 $ 55,485,000 $ 377,448 $ 101,000
Pierce, Washington 146 $ 35,583,000 $ 243,719 $ 109,000
Sangamon, Illinois 145 $ 20,739,000 $ 143,027 $ 78,000
San Joaquin, California 144 $ 42,121,000 $ 292,506 $ 111,000
Kings, New York 143 $ 55,775,000 $ 390,034 $ 90,000
Harford, Maryland 142 $ 33,270,000 $ 234,295 $ 83,000
Flathead, Montana 140 $ 30,994,000 $ 221,385 $ 101,000
Dauphin, Pennsylvania 138 $ 19,606,000 $ 142,072 $ 68,000
Walker, Alabama 137 $ 15,882,000 $ 115,927 $ 61,000
Wood, Ohio 137 $ 20,398,000 $ 148,890 $ 76,000
Butler, Ohio 136 $ 20,164,000 $ 148,264 $ 67,000
Forsyth, Georgia 135 $ 29,086,000 $ 215,451 $ 103,000
Shawnee, Kansas 135 $ 15,996,000 $ 118,488 $ 64,000
Westmoreland, Pennsylvania 135 $ 15,993,000 $ 118,466 $ 62,000
Union, New Jersey 134 $ 38,724,000 $ 288,985 $ 88,000
Orleans, Louisiana 133 $ 23,601,000 $ 177,451 $ 74,000
St. Croix, Wisconsin 133 $ 23,779,000 $ 178,789 $ 86,000
Virginia Beach, Virginia 132 $ 29,820,000 $ 225,909 $ 92,000
DeKalb, Illinois 131 $ 21,292,000 $ 162,534 $ 80,000
Shasta, California 130 $ 28,029,000 $ 215,607 $ 94,000
Litchfield, Connecticut 130 $ 26,107,000 $ 200,823 $ 82,000
Scott, Minnesota 130 $ 28,822,000 $ 221,707 $ 91,000
Cumberland, Pennsylvania 130 $ 20,409,000 $ 156,992 $ 76,000
El Paso, Texas 130 $ 20,935,000 $ 161,038 $ 105,000
Clermont, Ohio 129 $ 20,414,000 $ 158,248 $ 75,000
Coconino, Arizona 128 $ 33,124,000 $ 258,781 $ 129,000
Yuma, Arizona 128 $ 25,547,000 $ 199,585 $ 75,000
Wyandotte, Kansas 127 $ 13,589,000 $ 107,000 $ 62,000
Atlantic, New Jersey 126 $ 27,595,000 $ 219,007 $ 86,000
Lake, Ohio 125 $ 17,136,000 $ 137,088 $ 59,000
Outagamie, Wisconsin 125 $ 16,229,000 $ 129,832 $ 64,000
Talladega, Alabama 124 $ 16,414,000 $ 132,370 $ 63,000
Nevada, California 124 $ 41,519,000 $ 334,830 $ 135,000
Delaware, Ohio 124 $ 27,167,000 $ 219,088 $ 105,000
Escambia, Florida 123 $ 24,180,000 $ 196,585 $ 117,000
Bristol, Massachusetts 123 $ 27,403,000 $ 222,788 $ 72,000
Colbert, Alabama 122 $ 12,763,000 $ 104,614 $ 49,000
Monroe, Florida 122 $ 41,137,000 $ 337,188 $ 145,000
Brazos, Texas 122 $ 14,265,000 $ 116,926 $ 94,000
Caddo, Louisiana 120 $ 13,660,000 $ 113,833 $ 56,000
Uintah, Utah 120 $ 22,782,000 $ 189,850 $ 69,000
Chesterfield, Virginia 120 $ 22,212,000 $ 185,100 $ 74,000
Yakima, Washington 120 $ 17,408,000 $ 145,066 $ 76,000
Sussex, Delaware 119 $ 32,985,000 $ 277,184 $ 229,000
York, South Carolina 119 $ 20,326,000 $ 170,806 $ 73,000
Kenosha, Wisconsin 119 $ 18,563,000 $ 155,991 $ 57,000
Anderson, South Carolina 118 $ 16,521,000 $ 140,008 $ 61,000
Cherokee, Georgia 117 $ 21,042,000 $ 179,846 $ 89,000
Houston, Georgia 116 $ 15,653,000 $ 134,939 $ 103,000
Howard, Maryland 116 $ 34,644,000 $ 298,655 $ 109,000
San Francisco, California 115 $ 60,441,000 $ 525,573 $ 150,000
Weber, Utah 115 $ 19,531,000 $ 169,834 $ 87,000
Luzerne, Pennsylvania 114 $ 12,394,000 $ 108,719 $ 54,000
Union, North Carolina 113 $ 24,367,000 $ 215,637 $ 84,000
Erie, Pennsylvania 113 $ 10,645,000 $ 94,203 $ 62,000
Hardin, Texas 113 $ 15,783,000 $ 139,672 $ 74,000
Placer, California 112 $ 37,327,000 $ 333,276 $ 129,000
Morris, New Jersey 112 $ 35,212,000 $ 314,392 $ 115,000
San Juan, New Mexico 112 $ 18,871,000 $ 168,491 $ 77,000
Henrico, Virginia 112 $ 22,473,000 $ 200,651 $ 94,000
Pickens, South Carolina 111 $ 14,699,000 $ 132,423 $ 68,000
Sevier, Tennessee 111 $ 24,357,000 $ 219,432 $ 81,000
Ventura, California 110 $ 42,413,000 $ 385,572 $ 140,000
Morgan, Alabama 109 $ 11,527,000 $ 105,752 $ 51,000
Olmsted, Minnesota 108 $ 18,245,000 $ 168,935 $ 77,000
Tulsa, Oklahoma 107 $ 16,272,000 $ 152,074 $ 89,000
Centre, Pennsylvania 107 $ 15,368,000 $ 143,626 $ 76,000
Chatham, Georgia 106 $ 21,009,000 $ 198,198 $ 105,000
Lorain, Ohio 106 $ 15,077,000 $ 142,235 $ 73,000
Montgomery, Ohio 106 $ 13,803,000 $ 130,216 $ 88,000
Washington, Pennsylvania 105 $ 17,124,000 $ 163,085 $ 86,000
Clayton, Georgia 104 $ 14,138,000 $ 135,942 $ 64,000
Weld, Colorado 103 $ 18,710,000 $ 181,650 $ 76,000
Warren, Iowa 103 $ 14,457,000 $ 140,359 $ 71,000
Elmore, Alabama 102 $ 16,217,000 $ 158,990 $ 85,000
Larimer, Colorado 101 $ 22,530,000 $ 223,069 $ 113,000
Richmond, New York 101 $ 34,352,000 $ 340,118 $ 114,000
Calhoun, Alabama 100 $ 12,308,000 $ 123,080 $ 64,000
Bannock, Idaho 99 $ 13,073,000 $ 132,050 $ 58,000
Davis, Utah 99 $ 20,145,000 $ 203,484 $ 78,000
Utah, Utah 99 $ 22,761,000 $ 229,909 $ 104,000
Boone, Kentucky 98 $ 17,040,000 $ 173,877 $ 68,000
Somerset, New Jersey 98 $ 26,803,000 $ 273,500 $ 87,000
Carroll, Maryland 97 $ 25,190,000 $ 259,690 $ 90,000
Passaic, New Jersey 97 $ 26,362,000 $ 271,773 $ 92,000
Westchester, New York 97 $ 37,503,000 $ 386,628 $ 140,000
Benton, Washington 97 $ 13,553,000 $ 139,721 $ 74,000
St. Tammany, Louisiana 96 $ 16,888,000 $ 175,916 $ 69,000
Saratoga, New York 96 $ 19,358,000 $ 201,645 $ 92,000
Gaston, North Carolina 96 $ 13,138,000 $ 136,854 $ 62,000
Clark, Washington 96 $ 21,362,000 $ 222,520 $ 102,000
Strafford, New Hampshire 95 $ 19,979,000 $ 210,305 $ 78,000
Tuscaloosa, Alabama 94 $ 13,874,000 $ 147,595 $ 84,000
El Paso, Colorado 94 $ 18,723,000 $ 199,180 $ 81,000
Routt, Colorado 94 $ 27,284,000 $ 290,255 $ 136,000
Walton, Florida 93 $ 26,031,000 $ 279,903 $ 209,000
Kay, Oklahoma 93 $ 8,036,000 $ 86,408 $ 55,000
Blair, Pennsylvania 93 $ 8,255,000 $ 88,763 $ 72,000
Eagle, Colorado 91 $ 30,173,000 $ 331,571 $ 140,000
Kenton, Kentucky 91 $ 14,667,000 $ 161,175 $ 73,000
Franklin, Missouri 91 $ 16,528,000 $ 181,626 $ 81,000
Pender, North Carolina 91 $ 17,488,000 $ 192,175 $ 114,000
Grayson, Texas 91 $ 10,197,000 $ 112,054 $ 79,000
Hidalgo, Texas 91 $ 11,376,000 $ 125,010 $ 65,000
Marshall, Alabama 90 $ 11,371,000 $ 126,344 $ 59,000
Dutchess, New York 90 $ 20,511,000 $ 227,900 $ 93,000
Johnston, North Carolina 89 $ 12,753,000 $ 143,292 $ 74,000
Butler, Pennsylvania 89 $ 14,973,000 $ 168,235 $ 85,000
Bell, Texas 89 $ 12,880,000 $ 144,719 $ 98,000
Marathon, Wisconsin 89 $ 10,857,000 $ 121,988 $ 56,000
Tolland, Connecticut 88 $ 18,105,000 $ 205,738 $ 83,000
Pulaski, Arkansas 87 $ 11,423,000 $ 131,298 $ 58,000
Mercer, New Jersey 87 $ 19,190,000 $ 220,574 $ 78,000
Loudoun, Virginia 87 $ 28,554,000 $ 328,206 $ 127,000
Wood, Wisconsin 87 $ 10,403,000 $ 119,574 $ 64,000
Bossier, Louisiana 85 $ 13,653,000 $ 160,623 $ 67,000
Orange, North Carolina 85 $ 19,164,000 $ 225,458 $ 119,000
Tallapoosa, Alabama 84 $ 17,448,000 $ 207,714 $ 103,000
Tulare, California 84 $ 15,362,000 $ 182,880 $ 97,000
Iberia, Louisiana 84 $ 11,020,000 $ 131,190 $ 62,000
Albany, New York 84 $ 13,692,000 $ 163,000 $ 75,000
Blount, Alabama 83 $ 10,236,000 $ 123,325 $ 67,000
Peoria, Illinois 83 $ 8,871,000 $ 106,879 $ 66,000
Solano, California 82 $ 27,128,000 $ 330,829 $ 117,000
Cape May, New Jersey 82 $ 25,790,000 $ 314,512 $ 121,000
Lebanon, Pennsylvania 82 $ 10,776,000 $ 131,414 $ 73,000
Guadalupe, Texas 82 $ 15,558,000 $ 189,731 $ 144,000
Nueces, Texas 82 $ 13,353,000 $ 162,841 $ 104,000
Bronx, New York 81 $ 23,339,000 $ 288,135 $ 95,000
Cabarrus, North Carolina 81 $ 13,365,000 $ 165,000 $ 73,000
Racine, Wisconsin 81 $ 13,150,000 $ 162,345 $ 66,000
Rutherford, Tennessee 80 $ 11,146,000 $ 139,325 $ 66,000
Wise, Texas 80 $ 11,863,000 $ 148,287 $ 86,000
Charles, Maryland 79 $ 21,185,000 $ 268,164 $ 77,000
Onslow, North Carolina 79 $ 13,665,000 $ 172,974 $ 89,000
Monroe, Illinois 78 $ 12,344,000 $ 158,256 $ 85,000
Winnebago, Wisconsin 78 $ 11,986,000 $ 153,666 $ 73,000
Cullman, Alabama 77 $ 10,143,000 $ 131,727 $ 61,000
New Castle, Delaware 77 $ 14,116,000 $ 183,324 $ 90,000
Harrison, Mississippi 77 $ 13,327,000 $ 173,077 $ 79,000
Williamson, Tennessee 77 $ 21,668,000 $ 281,402 $ 123,000
Ector, Texas 77 $ 7,371,000 $ 95,727 $ 65,000
Rockwall, Texas 77 $ 14,513,000 $ 188,480 $ 119,000
Prince William, Virginia 77 $ 21,676,000 $ 281,506 $ 89,000
Rice, Minnesota 76 $ 12,836,000 $ 168,894 $ 62,000
Lafayette, Mississippi 76 $ 11,883,000 $ 156,355 $ 93,000
Cumberland, New Jersey 76 $ 11,348,000 $ 149,315 $ 62,000
Dare, North Carolina 76 $ 22,841,000 $ 300,539 $ 149,000
Indian River, Florida 75 $ 18,007,000 $ 240,093 $ 103,000
Linn, Iowa 75 $ 11,568,000 $ 154,240 $ 67,000
Ascension, Louisiana 75 $ 13,044,000 $ 173,920 $ 87,000
Parker, Texas 75 $ 14,287,000 $ 190,493 $ 116,000
Sherburne, Minnesota 74 $ 15,401,000 $ 208,121 $ 79,000
Alachua, Florida 73 $ 12,785,000 $ 175,136 $ 86,000
Boone, Indiana 73 $ 15,843,000 $ 217,027 $ 143,000
Alamance, North Carolina 73 $ 10,040,000 $ 137,534 $ 88,000
Washington, Rhode Island 73 $ 19,814,000 $ 271,424 $ 96,000
Washington, Maryland 72 $ 14,396,000 $ 199,944 $ 70,000
Monroe, Michigan 72 $ 10,905,000 $ 151,458 $ 80,000
Iredell, North Carolina 72 $ 14,349,000 $ 199,291 $ 92,000
Johnson, Texas 72 $ 8,743,000 $ 121,430 $ 70,000
Orange, Texas 72 $ 8,911,000 $ 123,763 $ 61,000
Mohave, Arizona 71 $ 15,791,000 $ 222,408 $ 138,000
Rock Island, Illinois 71 $ 7,644,000 $ 107,661 $ 60,000
Woodbury, Iowa 71 $ 6,723,000 $ 94,690 $ 43,000
Summit, Utah 71 $ 26,086,000 $ 367,408 $ 189,000
Henry, Georgia 70 $ 12,678,000 $ 181,114 $ 71,000
Reno, Kansas 70 $ 6,892,000 $ 98,457 $ 60,000
Campbell, Kentucky 70 $ 11,694,000 $ 167,057 $ 73,000
DeSoto, Mississippi 70 $ 11,330,000 $ 161,857 $ 60,000
Medina, Ohio 70 $ 10,826,000 $ 154,657 $ 72,000
DeKalb, Alabama 69 $ 8,742,000 $ 126,695 $ 45,000
Santa Rosa, Florida 69 $ 16,657,000 $ 241,405 $ 144,000
Baldwin, Georgia 69 $ 10,722,000 $ 155,391 $ 69,000
St. Charles, Louisiana 69 $ 11,221,000 $ 162,623 $ 57,000
St. Landry, Louisiana 69 $ 8,231,000 $ 119,289 $ 59,000
Schuylkill, Pennsylvania 69 $ 7,402,000 $ 107,275 $ 53,000
Polk, Wisconsin 69 $ 12,318,000 $ 178,521 $ 85,000
Hernando, Florida 68 $ 13,101,000 $ 192,661 $ 58,000
Berkeley, South Carolina 68 $ 10,762,000 $ 158,264 $ 69,000
St. Martin, Louisiana 67 $ 7,649,000 $ 114,164 $ 56,000
Hays, Texas 67 $ 11,641,000 $ 173,746 $ 92,000
Grant, Indiana 66 $ 4,831,000 $ 73,196 $ 53,000
Talbot, Maryland 66 $ 18,898,000 $ 286,333 $ 150,000
Henderson, North Carolina 66 $ 11,193,000 $ 169,590 $ 72,000
Lackawanna, Pennsylvania 66 $ 8,073,000 $ 122,318 $ 68,000
Kitsap, Washington 66 $ 22,552,000 $ 341,696 $ 165,000
Warrick, Indiana 65 $ 9,218,000 $ 141,815 $ 86,000
Lincoln, Missouri 65 $ 11,511,000 $ 177,092 $ 67,000
Sarpy, Nebraska 65 $ 10,095,000 $ 155,307 $ 73,000
Washoe, Nevada 65 $ 18,394,000 $ 282,984 $ 138,000
Sussex, New Jersey 65 $ 15,687,000 $ 241,338 $ 85,000
Dorchester, South Carolina 65 $ 10,939,000 $ 168,292 $ 77,000
Albemarle, Virginia 65 $ 16,880,000 $ 259,692 $ 101,000
Richmond City, Virginia 65 $ 10,384,000 $ 159,753 $ 79,000
Carver, Minnesota 64 $ 14,706,000 $ 229,781 $ 101,000
Cumberland, North Carolina 64 $ 7,424,000 $ 116,000 $ 71,000
Fairfield, Ohio 64 $ 10,278,000 $ 160,593 $ 84,000
Navajo, Arizona 63 $ 13,168,000 $ 209,015 $ 102,000
Hancock, Indiana 63 $ 10,143,000 $ 161,000 $ 73,000
Stearns, Minnesota 63 $ 10,494,000 $ 166,571 $ 60,000
Cass, Missouri 63 $ 9,175,000 $ 145,634 $ 80,000
Adams, Pennsylvania 63 $ 11,349,000 $ 180,142 $ 56,000
Minnehaha, South Dakota 63 $ 7,688,000 $ 122,031 $ 52,000
Charlotte, Florida 62 $ 15,147,000 $ 244,306 $ 142,000
Forsyth, North Carolina 62 $ 8,372,000 $ 135,032 $ 87,000
Lincoln, North Carolina 62 $ 9,832,000 $ 158,580 $ 65,000
Newport, Rhode Island 62 $ 15,411,000 $ 248,564 $ 115,000
LaPorte, Indiana 61 $ 8,228,000 $ 134,885 $ 62,000
St. Clair, Michigan 61 $ 8,496,000 $ 139,278 $ 80,000
Union, Mississippi 61 $ 7,983,000 $ 130,868 $ 57,000
Paulding, Georgia 60 $ 8,234,000 $ 137,233 $ 55,000
Jackson, Michigan 60 $ 8,703,000 $ 145,050 $ 69,000
Kent, Michigan 60 $ 7,874,000 $ 131,233 $ 65,000
Christian, Missouri 60 $ 8,041,000 $ 134,016 $ 76,000
Clay, Florida 59 $ 9,858,000 $ 167,084 $ 82,000
Madison, Indiana 59 $ 5,255,000 $ 89,067 $ 60,000
Queen Anne's, Maryland 59 $ 17,395,000 $ 294,830 $ 126,000
Steele, Minnesota 59 $ 9,912,000 $ 168,000 $ 74,000
Jackson, Mississippi 59 $ 8,368,000 $ 141,830 $ 74,000
Graham, Arizona 58 $ 8,267,000 $ 142,534 $ 57,000
Platte, Missouri 58 $ 11,410,000 $ 196,724 $ 103,000
Warren, Missouri 58 $ 9,240,000 $ 159,310 $ 76,000
Rensselaer, New York 58 $ 8,652,000 $ 149,172 $ 73,000
Beaver, Pennsylvania 58 $ 5,453,000 $ 94,017 $ 50,000
Taylor, Texas 57 $ 5,447,000 $ 95,561 $ 84,000
Scott, Kentucky 56 $ 7,844,000 $ 140,071 $ 80,000
Montcalm, Michigan 56 $ 4,402,000 $ 78,607 $ 28,000
Miller, Missouri 56 $ 7,012,000 $ 125,214 $ 63,000
Wilkes, North Carolina 56 $ 7,371,000 $ 131,625 $ 55,000
Chesapeake, Virginia 56 $ 13,038,000 $ 232,821 $ 80,000
Sonoma, California 55 $ 18,849,000 $ 342,709 $ 272,000
Hall, Georgia 55 $ 9,469,000 $ 172,163 $ 80,000
Orange, New York 55 $ 14,395,000 $ 261,727 $ 84,000
Portage, Ohio 55 $ 8,016,000 $ 145,745 $ 55,000
Frederick, Virginia 55 $ 12,467,000 $ 226,672 $ 68,000
Limestone, Alabama 54 $ 7,549,000 $ 139,796 $ 74,000
Merced, California 54 $ 11,805,000 $ 218,611 $ 83,000
Morgan, Indiana 54 $ 6,899,000 $ 127,759 $ 62,000
Worcester, Maryland 54 $ 15,436,000 $ 285,851 $ 177,000
Cass, North Dakota 54 $ 7,304,000 $ 135,259 $ 56,000
Portage, Wisconsin 54 $ 5,976,000 $ 110,666 $ 56,000
Howard, Indiana 53 $ 6,787,000 $ 128,056 $ 74,000
Lapeer, Michigan 53 $ 8,538,000 $ 161,094 $ 74,000
Chisago, Minnesota 53 $ 11,240,000 $ 212,075 $ 82,000
Payne, Oklahoma 53 $ 5,912,000 $ 111,547 $ 63,000
Carteret, North Carolina 52 $ 15,995,000 $ 307,596 $ 175,000
Spotsylvania, Virginia 52 $ 12,648,000 $ 243,230 $ 70,000
Franklin, Washington 52 $ 6,562,000 $ 126,192 $ 57,000
Jefferson, Wisconsin 52 $ 8,588,000 $ 165,153 $ 59,000
Santa Barbara, California 51 $ 16,553,000 $ 324,568 $ 111,000
Nassau, Florida 51 $ 11,497,000 $ 225,431 $ 136,000
Richmond, Georgia 51 $ 5,342,000 $ 104,745 $ 52,000
Kent, Rhode Island 51 $ 10,254,000 $ 201,058 $ 77,000
Cochise, Arizona 50 $ 7,318,000 $ 146,360 $ 108,000
Summit, Colorado 50 $ 15,911,000 $ 318,220 $ 318,000
Douglas, Kansas 50 $ 7,157,000 $ 143,140 $ 68,000
Lincoln, Nebraska 50 $ 4,856,000 $ 97,120 $ 72,000
Dodge, Wisconsin 50 $ 8,782,000 $ 175,640 $ 77,000
Ozaukee, Wisconsin 50 $ 10,903,000 $ 218,060 $ 83,000
Pottawattamie, Iowa 49 $ 5,863,000 $ 119,653 $ 63,000
Walworth, Wisconsin 49 $ 9,168,000 $ 187,102 $ 130,000
Lee, Alabama 48 $ 7,889,000 $ 164,354 $ 83,000
Flagler, Florida 48 $ 9,688,000 $ 201,833 $ 110,000
Chatham, North Carolina 48 $ 11,167,000 $ 232,645 $ 108,000
Citrus, Florida 47 $ 8,829,000 $ 187,851 $ 71,000
Otter Tail, Minnesota 47 $ 6,259,000 $ 133,170 $ 55,000
Catawba, North Carolina 47 $ 8,185,000 $ 174,148 $ 104,000
Smith, Texas 47 $ 6,097,000 $ 129,723 $ 91,000
Clark, Wisconsin 47 $ 4,648,000 $ 98,893 $ 46,000
El Dorado, California 45 $ 15,047,000 $ 334,377 $ 141,000
Tazewell, Illinois 45 $ 5,652,000 $ 125,600 $ 70,000
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Mortgage Loan Application Detail Totals for Amtrust Bank in 2007

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 79,612 $14,275,155,000 $179,000 $2,500,000 $89,000 $8,139,000
Refinancing 60,847 $13,550,559,000 $222,000 $2,150,000 $96,000 $9,644,000
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 103,486 $20,095,970,000 $194,000 $2,150,000 $94,000 $9,644,000
Not Provided 10,761 $2,231,632,000 $207,000 $2,055,000 $97,000 $9,000,000
Hispanic 9,713 $1,915,486,000 $197,000 $2,500,000 $73,000 $3,435,000
Black or African American 8,800 $1,483,903,000 $168,000 $1,680,000 $64,000 $4,031,000
Asian 6,808 $1,936,238,000 $284,000 $2,000,000 $114,000 $1,080,000
Native Hawaiian or Other Pacific Islander 355 $78,943,000 $222,000 $999,000 $95,000 $1,596,000
American Indian or Alaskan Native 315 $58,705,000 $186,000 $980,000 $83,000 $1,053,000
Not applicable 221 $24,837,000 $112,000 $333,000 $31,000 $51,000

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) 140,459 $27,825,714,000 $198,000 $2,500,000 $92,000 $9,644,000
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 116,194 $22,668,089,000 $195,000 $2,150,000 $91,000 $9,600,000
Loan Purchased By The Institution 7,943 $1,511,749,000 $190,000 $1,926,000 $84,000 $2,339,000
Application Approved But Not Accepted 7,346 $1,667,926,000 $227,000 $1,680,000 $94,000 $8,139,000
Application Denied By Financial Institution 5,873 $1,407,546,000 $239,000 $2,000,000 $116,000 $9,644,000
Application Withdrawn By Applicant 2,595 $490,545,000 $189,000 $2,500,000 $83,000 $4,232,000
Preapproval Approved but not Accepted 309 $51,132,000 $165,000 $966,000 $62,000 $996,000
Preapproval Denied by Financial Institution 199 $28,727,000 $144,000 $533,000 $56,000 $386,000
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
Collateral 1,793 $415,027,000 $231,000 $2,000,000 $118,000 $9,000,000
Other 1,416 $330,105,000 $233,000 $2,000,000 $146,000 $6,055,000
Credit Application Incomplete 875 $202,842,000 $231,000 $1,463,000 $85,000 $962,000
Credit History 854 $192,694,000 $225,000 $1,820,000 $86,000 $9,644,000
Debt-To-Income Ratio 727 $195,346,000 $268,000 $1,900,000 $109,000 $3,327,000
Employment History 180 $36,212,000 $201,000 $1,000,000 $70,000 $545,000
Unverifiable Information 169 $47,416,000 $280,000 $1,500,000 $144,000 $1,500,000
Insufficient Cash (Downpayment, Closing Cost) 51 $15,497,000 $303,000 $1,263,000 $180,000 $1,200,000
Mortgage Insurance Denied 7 $1,134,000 $162,000 $293,000 $56,000 $116,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Amtrust Bank's 2007 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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