Amtrust Bank Mortgage Lending & HMDA Data, 2003
In 2003, Amtrust Bank of Cleveland, OH reported 166,288 mortgage applications totaling $30.8 billion. The average application was for $185,064, and applicants reported an average income of $84,260. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Minneapolis-St. Paul, MN-WI (7,058), Chicago, IL (6,929) and Detroit, MI (5,913) (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 | 166,288 |
| Total Mortgage Loan Application Amount | $30,774,021,000 |
| Average Mortgage Loan Application Amount | $185,064 |
| Highest Mortgage Loan Application Amount | $5,300,000 |
| Average Applicant Income | $84,260 |
| Highest Applicant Income | $9,069,000 |
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Act (HMDA) records Amtrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul, MN-WI | 7,058 | $ 1,304,000,000 | $ 184,754 | $ 68,000 |
| Chicago, IL | 6,929 | $ 1,394,851,000 | $ 201,306 | $ 80,000 |
| Detroit, MI | 5,913 | $ 1,076,658,000 | $ 182,083 | $ 77,000 |
| Los Angeles-Long Beach, CA | 5,364 | $ 1,449,673,000 | $ 270,259 | $ 118,000 |
| Cleveland-Lorain-Elyria, OH | 4,854 | $ 616,235,000 | $ 126,954 | $ 70,000 |
| West Palm Beach-Boca Raton, FL | 4,675 | $ 755,867,000 | $ 161,682 | $ 73,000 |
| Phoenix-Mesa, AZ | 4,529 | $ 764,444,000 | $ 168,788 | $ 81,000 |
| Boston, MA-NH | 4,465 | $ 1,088,854,000 | $ 243,864 | $ 95,000 |
| Atlanta, GA | 4,131 | $ 708,369,000 | $ 171,476 | $ 72,000 |
| Fort Lauderdale, FL | 4,006 | $ 616,839,000 | $ 153,978 | $ 81,000 |
| Orange County, CA | 3,920 | $ 1,182,461,000 | $ 301,648 | $ 117,000 |
| San Diego, CA | 3,781 | $ 1,064,487,000 | $ 281,535 | $ 114,000 |
| St. Louis, MO-IL | 3,504 | $ 509,149,000 | $ 145,305 | $ 61,000 |
| Houston, TX | 3,438 | $ 568,752,000 | $ 165,431 | $ 108,000 |
| Worcester, MA-CT | 2,987 | $ 528,401,000 | $ 176,900 | $ 69,000 |
| Denver, CO | 2,789 | $ 567,019,000 | $ 203,305 | $ 84,000 |
| Milwaukee-Waukesha, WI | 2,557 | $ 399,162,000 | $ 156,105 | $ 81,000 |
| Miami, FL | 2,120 | $ 340,837,000 | $ 160,772 | $ 77,000 |
| Riverside-San Bernardino, CA | 2,113 | $ 437,281,000 | $ 206,947 | $ 90,000 |
| Raleigh-Durham-Chapel Hill, NC | 1,969 | $ 351,557,000 | $ 178,545 | $ 100,000 |
| Monmouth-Ocean, NJ | 1,922 | $ 394,533,000 | $ 205,272 | $ 98,000 |
| Las Vegas, NV-AZ | 1,910 | $ 336,235,000 | $ 176,039 | $ 94,000 |
| New York, NY | 1,880 | $ 514,667,000 | $ 273,759 | $ 86,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,868 | $ 289,513,000 | $ 154,985 | $ 82,000 |
| Seattle-Bellevue-Everett, WA | 1,844 | $ 486,289,000 | $ 263,714 | $ 100,000 |
| Columbus, OH | 1,751 | $ 229,138,000 | $ 130,861 | $ 76,000 |
| Akron, OH | 1,725 | $ 230,326,000 | $ 133,522 | $ 73,000 |
| Cincinnati, OH-KY-IN | 1,677 | $ 310,789,000 | $ 185,324 | $ 90,000 |
| Ann Arbor, MI | 1,636 | $ 311,842,000 | $ 190,612 | $ 88,000 |
| Toledo, OH | 1,618 | $ 234,397,000 | $ 144,868 | $ 70,000 |
| Hartford, CT | 1,510 | $ 262,728,000 | $ 173,992 | $ 76,000 |
| Nassau-Suffolk, NY | 1,489 | $ 362,851,000 | $ 243,687 | $ 101,000 |
| Austin-San Marcos, TX | 1,477 | $ 253,460,000 | $ 171,604 | $ 97,000 |
| Oakland, CA | 1,326 | $ 381,322,000 | $ 287,573 | $ 105,000 |
| Dallas, TX | 1,267 | $ 225,467,000 | $ 177,953 | $ 100,000 |
| Newark, NJ | 1,243 | $ 262,975,000 | $ 211,564 | $ 102,000 |
| Wilmington, NC | 1,162 | $ 196,723,000 | $ 169,296 | $ 108,000 |
| Baltimore, MD | 1,114 | $ 200,507,000 | $ 179,988 | $ 77,000 |
| Orlando, FL | 1,108 | $ 174,646,000 | $ 157,622 | $ 73,000 |
| Portland, ME | 1,063 | $ 185,589,000 | $ 174,589 | $ 85,000 |
| Middlesex-Somerset-Hunterdon, NJ | 911 | $ 203,380,000 | $ 223,249 | $ 100,000 |
| Philadelphia, PA-NJ | 894 | $ 171,715,000 | $ 192,074 | $ 96,000 |
| New Haven-Meriden, CT | 807 | $ 144,276,000 | $ 178,780 | $ 77,000 |
| Boulder-Longmont, CO | 770 | $ 172,992,000 | $ 224,664 | $ 94,000 |
| Pittsburgh, PA | 751 | $ 88,752,000 | $ 118,178 | $ 65,000 |
| Fort Pierce-Port St. Lucie, FL | 670 | $ 104,271,000 | $ 155,628 | $ 69,000 |
| Barnstable-Yarmouth, MA | 662 | $ 137,336,000 | $ 207,456 | $ 72,000 |
| Kansas City, MO-KS | 647 | $ 81,165,000 | $ 125,448 | $ 65,000 |
| Birmingham, AL | 612 | $ 80,556,000 | $ 131,627 | $ 61,000 |
| Indianapolis, IN | 591 | $ 101,862,000 | $ 172,355 | $ 81,000 |
| Sarasota-Bradenton, FL | 584 | $ 103,044,000 | $ 176,445 | $ 104,000 |
| Lawrence, MA-NH | 524 | $ 128,090,000 | $ 244,446 | $ 125,000 |
| Tucson, AZ | 518 | $ 82,889,000 | $ 160,017 | $ 104,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 513 | $ 84,468,000 | $ 164,654 | $ 154,000 |
| Bridgeport, CT | 512 | $ 107,901,000 | $ 210,744 | $ 84,000 |
| Dayton-Springfield, OH | 506 | $ 77,877,000 | $ 153,907 | $ 70,000 |
| Richmond-Petersburg, VA | 486 | $ 84,232,000 | $ 173,316 | $ 87,000 |
| Danbury, CT | 485 | $ 105,863,000 | $ 218,274 | $ 95,000 |
| Waterbury, CT | 468 | $ 71,725,000 | $ 153,258 | $ 69,000 |
| Charleston-North Charleston, SC | 456 | $ 86,376,000 | $ 189,421 | $ 78,000 |
| Naples, FL | 439 | $ 96,614,000 | $ 220,077 | $ 94,000 |
| Canton-Massillon, OH | 434 | $ 52,909,000 | $ 121,910 | $ 71,000 |
| Sacramento, CA | 415 | $ 86,409,000 | $ 208,214 | $ 88,000 |
| Flint, MI | 412 | $ 55,481,000 | $ 134,662 | $ 59,000 |
| Ventura, CA | 410 | $ 110,048,000 | $ 268,409 | $ 99,000 |
| Greensboro--Winston-Salem--High Point, NC | 403 | $ 68,228,000 | $ 169,300 | $ 74,000 |
| Madison, WI | 392 | $ 64,473,000 | $ 164,471 | $ 69,000 |
| Bergen-Passaic, NJ | 389 | $ 94,472,000 | $ 242,858 | $ 111,000 |
| Oklahoma City, OK | 388 | $ 54,911,000 | $ 141,523 | $ 76,000 |
| Montgomery, AL | 374 | $ 55,111,000 | $ 147,355 | $ 70,000 |
| Providence-Fall River-Warwick, RI-MA | 374 | $ 67,278,000 | $ 179,887 | $ 81,000 |
| Mobile, AL | 372 | $ 46,595,000 | $ 125,255 | $ 65,000 |
| Washington, DC-MD-VA-WV | 360 | $ 90,261,000 | $ 250,725 | $ 117,000 |
| Hamilton-Middletown, OH | 346 | $ 56,738,000 | $ 163,982 | $ 78,000 |
| Stamford-Norwalk, CT | 341 | $ 104,732,000 | $ 307,131 | $ 146,000 |
| Rochester, MN | 339 | $ 52,058,000 | $ 153,563 | $ 77,000 |
| Fort Walton Beach, FL | 331 | $ 54,901,000 | $ 165,864 | $ 122,000 |
| Springfield, MA | 330 | $ 46,577,000 | $ 141,142 | $ 60,000 |
| Pensacola, FL | 316 | $ 44,612,000 | $ 141,177 | $ 70,000 |
| Salt Lake City-Ogden, UT | 316 | $ 49,624,000 | $ 157,037 | $ 72,000 |
| Springfield, IL | 313 | $ 46,641,000 | $ 149,012 | $ 87,000 |
| Fort Worth-Arlington, TX | 309 | $ 53,453,000 | $ 172,987 | $ 98,000 |
| Lowell, MA-NH | 304 | $ 63,238,000 | $ 208,019 | $ 77,000 |
| Beaumont-Port Arthur, TX | 299 | $ 36,235,000 | $ 121,187 | $ 74,000 |
| Albany-Schenectady-Troy, NY | 288 | $ 35,564,000 | $ 123,486 | $ 80,000 |
| Appleton-Oshkosh-Neenah, WI | 281 | $ 35,137,000 | $ 125,042 | $ 53,000 |
| San Jose, CA | 281 | $ 90,930,000 | $ 323,594 | $ 126,000 |
| Portland-Vancouver, OR-WA | 272 | $ 56,872,000 | $ 209,088 | $ 114,000 |
| Greenville-Spartanburg-Anderson, SC | 267 | $ 33,459,000 | $ 125,314 | $ 53,000 |
| Green Bay, WI | 261 | $ 32,330,000 | $ 123,869 | $ 59,000 |
| San Francisco, CA | 258 | $ 87,956,000 | $ 340,914 | $ 142,000 |
| Grand Rapids-Muskegon-Holland, MI | 252 | $ 36,917,000 | $ 146,496 | $ 76,000 |
| Wausau, WI | 247 | $ 26,344,000 | $ 106,655 | $ 44,000 |
| Fort Myers-Cape Coral, FL | 246 | $ 38,545,000 | $ 156,686 | $ 92,000 |
| Myrtle Beach, SC | 246 | $ 34,556,000 | $ 140,471 | $ 93,000 |
| Reno, NV | 246 | $ 48,336,000 | $ 196,487 | $ 77,000 |
| Lancaster, PA | 245 | $ 32,093,000 | $ 130,991 | $ 69,000 |
| Lansing-East Lansing, MI | 245 | $ 35,910,000 | $ 146,571 | $ 70,000 |
| Jacksonville, FL | 241 | $ 37,934,000 | $ 157,402 | $ 89,000 |
| Saginaw-Bay City-Midland, MI | 237 | $ 31,729,000 | $ 133,877 | $ 82,000 |
| New Orleans, LA | 233 | $ 34,253,000 | $ 147,008 | $ 71,000 |
| Colorado Springs, CO | 229 | $ 43,193,000 | $ 188,615 | $ 79,000 |
| Lafayette, LA | 224 | $ 28,819,000 | $ 128,656 | $ 89,000 |
| Stockton-Lodi, CA | 206 | $ 42,364,000 | $ 205,650 | $ 71,000 |
| Dutchess County, NY | 203 | $ 37,144,000 | $ 182,975 | $ 90,000 |
| Nashville, TN | 202 | $ 37,505,000 | $ 185,668 | $ 107,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 199 | $ 33,682,000 | $ 169,256 | $ 96,000 |
| Brockton, MA | 191 | $ 37,935,000 | $ 198,612 | $ 53,000 |
| Atlantic-Cape May, NJ | 183 | $ 34,085,000 | $ 186,256 | $ 118,000 |
| Jersey City, NJ | 179 | $ 38,814,000 | $ 216,837 | $ 80,000 |
| Fort Collins-Loveland, CO | 177 | $ 35,261,000 | $ 199,214 | $ 72,000 |
| Galveston-Texas City, TX | 175 | $ 25,188,000 | $ 143,931 | $ 102,000 |
| Vallejo-Fairfield-Napa, CA | 175 | $ 42,444,000 | $ 242,537 | $ 93,000 |
| Trenton, NJ | 170 | $ 34,700,000 | $ 204,117 | $ 137,000 |
| Portsmouth-Rochester, NH-ME | 162 | $ 33,574,000 | $ 207,246 | $ 92,000 |
| Daytona Beach, FL | 158 | $ 21,649,000 | $ 137,018 | $ 86,000 |
| Omaha, NE-IA | 158 | $ 19,356,000 | $ 122,506 | $ 59,000 |
| Grand Junction, CO | 156 | $ 18,813,000 | $ 120,596 | $ 51,000 |
| Fitchburg-Leominster, MA | 151 | $ 24,375,000 | $ 161,423 | $ 67,000 |
| Columbia, MO | 148 | $ 16,113,000 | $ 108,871 | $ 65,000 |
| San Antonio, TX | 148 | $ 22,106,000 | $ 149,364 | $ 109,000 |
| Tulsa, OK | 148 | $ 19,061,000 | $ 128,790 | $ 59,000 |
| New London-Norwich, CT-RI | 142 | $ 26,791,000 | $ 188,669 | $ 88,000 |
| Duluth-Superior, MN-WI | 132 | $ 15,521,000 | $ 117,583 | $ 44,000 |
| Rapid City, SD | 130 | $ 16,433,000 | $ 126,407 | $ 78,000 |
| Tacoma, WA | 127 | $ 23,566,000 | $ 185,559 | $ 78,000 |
| Jacksonville, NC | 126 | $ 16,661,000 | $ 132,230 | $ 69,000 |
| Greeley, CO | 125 | $ 22,311,000 | $ 178,488 | $ 59,000 |
| Brazoria, TX | 122 | $ 17,961,000 | $ 147,221 | $ 89,000 |
| Des Moines, IA | 122 | $ 17,371,000 | $ 142,385 | $ 58,000 |
| Melbourne-Titusville-Palm Bay, FL | 122 | $ 19,486,000 | $ 159,721 | $ 117,000 |
| Kenosha, WI | 118 | $ 16,367,000 | $ 138,703 | $ 65,000 |
| Racine, WI | 118 | $ 15,988,000 | $ 135,491 | $ 55,000 |
| Cedar Rapids, IA | 115 | $ 14,301,000 | $ 124,356 | $ 83,000 |
| Kalamazoo-Battle Creek, MI | 114 | $ 14,978,000 | $ 131,385 | $ 66,000 |
| Modesto, CA | 101 | $ 19,203,000 | $ 190,128 | $ 105,000 |
| Boise City, ID | 99 | $ 13,891,000 | $ 140,313 | $ 70,000 |
| Fresno, CA | 99 | $ 16,641,000 | $ 168,090 | $ 66,000 |
| St. Cloud, MN | 99 | $ 13,086,000 | $ 132,181 | $ 50,000 |
| Flagstaff, AZ-UT | 95 | $ 17,711,000 | $ 186,431 | $ 134,000 |
| Newburgh, NY-PA | 95 | $ 16,909,000 | $ 177,989 | $ 95,000 |
| Allentown-Bethlehem-Easton, PA | 94 | $ 13,917,000 | $ 148,053 | $ 71,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 94 | $ 24,403,000 | $ 259,606 | $ 110,000 |
| Macon, GA | 93 | $ 10,344,000 | $ 111,225 | $ 67,000 |
| Louisville, KY-IN | 91 | $ 12,055,000 | $ 132,472 | $ 73,000 |
| Youngstown-Warren, OH | 90 | $ 9,058,000 | $ 100,644 | $ 54,000 |
| Wilmington-Newark, DE-MD | 87 | $ 15,363,000 | $ 176,586 | $ 74,000 |
| Brownsville-Harlingen-San Benito, TX | 84 | $ 8,829,000 | $ 105,107 | $ 70,000 |
| Harrisburg-Lebanon-Carlisle, PA | 84 | $ 12,047,000 | $ 143,416 | $ 89,000 |
| Jackson, MI | 81 | $ 11,574,000 | $ 142,888 | $ 54,000 |
| Nashua, NH | 79 | $ 14,293,000 | $ 180,924 | $ 88,000 |
| Bakersfield, CA | 78 | $ 10,309,000 | $ 132,166 | $ 79,000 |
| Bremerton, WA | 77 | $ 18,852,000 | $ 244,831 | $ 103,000 |
| Athens, GA | 73 | $ 11,274,000 | $ 154,438 | $ 68,000 |
| Manchester, NH | 72 | $ 12,608,000 | $ 175,111 | $ 85,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 71 | $ 18,201,000 | $ 256,352 | $ 96,000 |
| Albuquerque, NM | 69 | $ 11,236,000 | $ 162,840 | $ 64,000 |
| Eau Claire, WI | 68 | $ 7,049,000 | $ 103,661 | $ 45,000 |
| Gary, IN | 68 | $ 10,251,000 | $ 150,750 | $ 73,000 |
| Rockford, IL | 68 | $ 7,407,000 | $ 108,926 | $ 50,000 |
| Sioux Falls, SD | 68 | $ 8,227,000 | $ 120,985 | $ 56,000 |
| Lakeland-Winter Haven, FL | 67 | $ 7,808,000 | $ 116,537 | $ 61,000 |
| York, PA | 66 | $ 8,922,000 | $ 135,181 | $ 60,000 |
| Huntsville, AL | 65 | $ 8,821,000 | $ 135,707 | $ 86,000 |
| Santa Rosa, CA | 62 | $ 14,980,000 | $ 241,612 | $ 117,000 |
| Richland-Kennewick-Pasco, WA | 57 | $ 7,826,000 | $ 137,298 | $ 80,000 |
| Corpus Christi, TX | 55 | $ 6,281,000 | $ 114,200 | $ 83,000 |
| Olympia, WA | 55 | $ 8,361,000 | $ 152,018 | $ 79,000 |
| New Bedford, MA | 54 | $ 9,608,000 | $ 177,925 | $ 66,000 |
| Springfield, MO | 54 | $ 6,032,000 | $ 111,703 | $ 40,000 |
| Spokane, WA | 48 | $ 6,018,000 | $ 125,375 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 46 | $ 5,402,000 | $ 117,434 | $ 64,000 |
| Panama City, FL | 45 | $ 7,528,000 | $ 167,288 | $ 94,000 |
| Tallahassee, FL | 45 | $ 5,882,000 | $ 130,711 | $ 78,000 |
| Yakima, WA | 45 | $ 5,235,000 | $ 116,333 | $ 66,000 |
| St. Joseph, MO | 44 | $ 4,275,000 | $ 97,159 | $ 50,000 |
| Lewiston-Auburn, ME | 43 | $ 4,479,000 | $ 104,162 | $ 61,000 |
| Columbia, SC | 42 | $ 5,273,000 | $ 125,547 | $ 56,000 |
| Punta Gorda, FL | 42 | $ 6,920,000 | $ 164,761 | $ 106,000 |
| Rochester, NY | 42 | $ 5,910,000 | $ 140,714 | $ 82,000 |
| Salinas, CA | 39 | $ 10,398,000 | $ 266,615 | $ 100,000 |
| Santa Cruz-Watsonville, CA | 39 | $ 12,293,000 | $ 315,205 | $ 177,000 |
| Asheville, NC | 38 | $ 5,838,000 | $ 153,631 | $ 65,000 |
| Baton Rouge, LA | 38 | $ 5,755,000 | $ 151,447 | $ 95,000 |
| Fort Wayne, IN | 38 | $ 4,378,000 | $ 115,210 | $ 53,000 |
| Merced, CA | 38 | $ 5,791,000 | $ 152,394 | $ 63,000 |
| Burlington, VT | 36 | $ 7,080,000 | $ 196,666 | $ 76,000 |
| Gainesville, FL | 36 | $ 5,590,000 | $ 155,277 | $ 69,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 36 | $ 5,502,000 | $ 152,833 | $ 97,000 |
| Memphis, TN-AR-MS | 33 | $ 4,984,000 | $ 151,030 | $ 92,000 |
| Redding, CA | 33 | $ 5,095,000 | $ 154,393 | $ 65,000 |
| Chico-Paradise, CA | 32 | $ 4,865,000 | $ 152,031 | $ 64,000 |
| Lexington, KY | 32 | $ 4,556,000 | $ 142,375 | $ 62,000 |
| Ocala, FL | 32 | $ 4,071,000 | $ 127,218 | $ 68,000 |
| Provo-Orem, UT | 32 | $ 5,340,000 | $ 166,875 | $ 77,000 |
| Visalia-Tulare-Porterville, CA | 31 | $ 4,814,000 | $ 155,290 | $ 86,000 |
| Wichita, KS | 31 | $ 3,650,000 | $ 117,741 | $ 57,000 |
| Bloomington-Normal, IL | 30 | $ 4,546,000 | $ 151,533 | $ 89,000 |
| Decatur, AL | 30 | $ 2,775,000 | $ 92,500 | $ 49,000 |
| Knoxville, TN | 30 | $ 4,082,000 | $ 136,066 | $ 82,000 |
| Charlottesville, VA | 29 | $ 4,560,000 | $ 157,241 | $ 53,000 |
| Hagerstown, MD | 29 | $ 4,194,000 | $ 144,620 | $ 57,000 |
| Savannah, GA | 29 | $ 3,948,000 | $ 136,137 | $ 74,000 |
| Biloxi-Gulfport-Pascagoula, MS | 28 | $ 3,325,000 | $ 118,750 | $ 65,000 |
| Killeen-Temple, TX | 28 | $ 3,995,000 | $ 142,678 | $ 84,000 |
| Mansfield, OH | 28 | $ 3,127,000 | $ 111,678 | $ 44,000 |
| Janesville-Beloit, WI | 27 | $ 3,801,000 | $ 140,777 | $ 77,000 |
| McAllen-Edinburg-Mission, TX | 26 | $ 2,868,000 | $ 110,307 | $ 36,000 |
| Sherman-Denison, TX | 25 | $ 3,965,000 | $ 158,600 | $ 151,000 |
| La Crosse, WI-MN | 24 | $ 3,083,000 | $ 128,458 | $ 53,000 |
| Bellingham, WA | 23 | $ 3,933,000 | $ 171,000 | $ 79,000 |
| Billings, MT | 23 | $ 3,179,000 | $ 138,217 | $ 39,000 |
| Hickory-Morganton-Lenoir, NC | 23 | $ 3,374,000 | $ 146,695 | $ 94,000 |
| Joplin, MO | 23 | $ 2,498,000 | $ 108,608 | $ 43,000 |
| Reading, PA | 22 | $ 3,110,000 | $ 141,363 | $ 81,000 |
| Yuma, AZ | 22 | $ 2,887,000 | $ 131,227 | $ 64,000 |
| Champaign-Urbana, IL | 21 | $ 2,407,000 | $ 114,619 | $ 56,000 |
| Vineland-Millville-Bridgeton, NJ | 21 | $ 2,574,000 | $ 122,571 | $ 47,000 |
| Anniston, AL | 20 | $ 1,548,000 | $ 77,400 | $ 43,000 |
| Bryan-College Station, TX | 20 | $ 2,591,000 | $ 129,550 | $ 107,000 |
| Fargo-Moorhead, ND-MN | 20 | $ 2,228,000 | $ 111,400 | $ 59,000 |
| Lubbock, TX | 20 | $ 2,335,000 | $ 116,750 | $ 118,000 |
| Tuscaloosa, AL | 20 | $ 2,372,000 | $ 118,600 | $ 69,000 |
| Yuba City, CA | 20 | $ 3,486,000 | $ 174,300 | $ 69,000 |
| Bloomington, IN | 19 | $ 2,754,000 | $ 144,947 | $ 103,000 |
| Grand Forks, ND-MN | 19 | $ 2,085,000 | $ 109,736 | $ 46,000 |
| Little Rock-North Little Rock, AR | 19 | $ 3,016,000 | $ 158,736 | $ 90,000 |
| Lynchburg, VA | 19 | $ 2,740,000 | $ 144,210 | $ 61,000 |
| Sheboygan, WI | 19 | $ 2,336,000 | $ 122,947 | $ 69,000 |
| Yolo, CA | 19 | $ 3,844,000 | $ 202,315 | $ 76,000 |
| Columbus, GA-AL | 18 | $ 2,474,000 | $ 137,444 | $ 57,000 |
| Kankakee, IL | 18 | $ 2,773,000 | $ 154,055 | $ 63,000 |
| Pueblo, CO | 18 | $ 2,883,000 | $ 160,166 | $ 66,000 |
| Augusta-Aiken, GA-SC | 17 | $ 2,315,000 | $ 136,176 | $ 87,000 |
| Benton Harbor, MI | 16 | $ 2,639,000 | $ 164,937 | $ 135,000 |
| Chattanooga, TN-GA | 16 | $ 1,712,000 | $ 107,000 | $ 54,000 |
| Fayetteville, NC | 16 | $ 1,594,000 | $ 99,625 | $ 61,000 |
| Iowa City, IA | 16 | $ 2,205,000 | $ 137,812 | $ 52,000 |
| Lawrence, KS | 16 | $ 2,152,000 | $ 134,500 | $ 56,000 |
| Peoria-Pekin, IL | 16 | $ 1,934,000 | $ 120,875 | $ 44,000 |
| Glens Falls, NY | 15 | $ 1,671,000 | $ 111,400 | $ 88,000 |
| Odessa-Midland, TX | 15 | $ 1,988,000 | $ 132,533 | $ 122,000 |
| Roanoke, VA | 15 | $ 2,007,000 | $ 133,800 | $ 71,000 |
| Rocky Mount, NC | 15 | $ 1,874,000 | $ 124,933 | $ 62,000 |
| Waterloo-Cedar Falls, IA | 15 | $ 1,348,000 | $ 89,866 | $ 38,000 |
| Auburn-Opelika, AL | 14 | $ 1,460,000 | $ 104,285 | $ 52,000 |
| Cheyenne, WY | 14 | $ 2,091,000 | $ 149,357 | $ 55,000 |
| Syracuse, NY | 14 | $ 1,706,000 | $ 121,857 | $ 104,000 |
| El Paso, TX | 13 | $ 1,516,000 | $ 116,615 | $ 73,000 |
| Topeka, KS | 13 | $ 1,017,000 | $ 78,230 | $ 46,000 |
| Tyler, TX | 13 | $ 2,218,000 | $ 170,615 | $ 149,000 |
| Waco, TX | 13 | $ 1,823,000 | $ 140,230 | $ 116,000 |
| Buffalo-Niagara Falls, NY | 12 | $ 1,288,000 | $ 107,333 | $ 87,000 |
| Cumberland, MD-WV | 12 | $ 1,081,000 | $ 90,083 | $ 48,000 |
| Eugene-Springfield, OR | 12 | $ 1,954,000 | $ 162,833 | $ 83,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 12 | $ 1,559,000 | $ 129,916 | $ 146,000 |
| Dover, DE | 11 | $ 1,267,000 | $ 115,181 | $ 153,000 |
| Greenville, NC | 11 | $ 1,014,000 | $ 92,181 | $ 47,000 |
| South Bend, IN | 11 | $ 1,341,000 | $ 121,909 | $ 57,000 |
| Dothan, AL | 10 | $ 1,286,000 | $ 128,600 | $ 103,000 |
| Longview-Marshall, TX | 10 | $ 1,759,000 | $ 175,900 | $ 110,000 |
| Santa Fe, NM | 10 | $ 2,315,000 | $ 231,500 | $ 160,000 |
| Albany, GA | 9 | $ 956,000 | $ 106,222 | $ 56,000 |
| Salem, OR | 9 | $ 1,589,000 | $ 176,555 | $ 101,000 |
| Houma, LA | 8 | $ 1,078,000 | $ 134,750 | $ 89,000 |
| Lima, OH | 8 | $ 994,000 | $ 124,250 | $ 26,000 |
| Gadsden, AL | 7 | $ 668,000 | $ 95,428 | $ 46,000 |
| Lafayette, IN | 7 | $ 635,000 | $ 90,714 | $ 40,000 |
| Medford-Ashland, OR | 7 | $ 1,244,000 | $ 177,714 | $ 69,000 |
| Sharon, PA | 7 | $ 1,545,000 | $ 220,714 | $ 67,000 |
| Shreveport-Bossier City, LA | 7 | $ 1,117,000 | $ 159,571 | $ 61,000 |
| Bangor, ME | 6 | $ 732,000 | $ 122,000 | $ 53,000 |
| Danville, VA | 6 | $ 613,000 | $ 102,166 | $ 86,000 |
| Florence, SC | 6 | $ 897,000 | $ 149,500 | $ 61,000 |
| Muncie, IN | 6 | $ 1,113,000 | $ 185,500 | $ 48,000 |
| Amarillo, TX | 5 | $ 854,000 | $ 170,800 | $ 82,000 |
| Elkhart-Goshen, IN | 5 | $ 636,000 | $ 127,200 | $ 91,000 |
| Erie, PA | 5 | $ 861,000 | $ 172,200 | $ 100,000 |
| Goldsboro, NC | 5 | $ 874,000 | $ 174,800 | $ 109,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 439,000 | $ 87,800 | $ 52,000 |
| Johnstown, PA | 5 | $ 495,000 | $ 99,000 | $ 74,000 |
| Laredo, TX | 5 | $ 590,000 | $ 118,000 | $ 85,000 |
| Missoula, MT | 5 | $ 838,000 | $ 167,600 | $ 69,000 |
| Sumter, SC | 5 | $ 543,000 | $ 108,600 | $ 43,000 |
| Wichita Falls, TX | 5 | $ 880,000 | $ 176,000 | $ 162,000 |
| Casper, WY | 4 | $ 407,000 | $ 101,750 | $ 62,000 |
| Corvallis, OR | 4 | $ 862,000 | $ 215,500 | $ 142,000 |
| Fayetteville-Springdale-Rogers, AR | 4 | $ 466,000 | $ 116,500 | $ 40,000 |
| Jackson, MS | 4 | $ 450,000 | $ 112,500 | $ 65,000 |
| Jamestown, NY | 4 | $ 630,000 | $ 157,500 | $ 95,000 |
| Las Cruces, NM | 4 | $ 716,000 | $ 179,000 | $ 68,000 |
| Lawton, OK | 4 | $ 401,000 | $ 100,250 | $ 131,000 |
| Pittsfield, MA | 4 | $ 444,000 | $ 111,000 | $ 58,000 |
| State College, PA | 4 | $ 708,000 | $ 177,000 | $ 90,000 |
| Steubenville-Weirton, OH-WV | 4 | $ 256,000 | $ 64,000 | $ 36,000 |
| Utica-Rome, NY | 4 | $ 448,000 | $ 112,000 | $ 85,000 |
| Binghamton, NY | 3 | $ 654,000 | $ 218,000 | $ 69,000 |
| Charleston, WV | 3 | $ 267,000 | $ 89,000 | $ 48,000 |
| Clarksville-Hopkinsville, TN-KY | 3 | $ 241,000 | $ 80,333 | $ 38,000 |
| Decatur, IL | 3 | $ 457,000 | $ 152,333 | $ 49,000 |
| Dubuque, IA | 3 | $ 287,000 | $ 95,666 | $ 79,000 |
| Elmira, NY | 3 | $ 144,000 | $ 48,000 | $ 44,000 |
| Evansville-Henderson, IN-KY | 3 | $ 682,000 | $ 227,333 | $ 145,000 |
| Florence, AL | 3 | $ 188,000 | $ 62,666 | $ 61,000 |
| Fort Smith, AR-OK | 3 | $ 482,000 | $ 160,666 | $ 86,000 |
| Jackson, TN | 3 | $ 412,000 | $ 137,333 | $ 61,000 |
| Kokomo, IN | 3 | $ 239,000 | $ 79,666 | $ 42,000 |
| Lake Charles, LA | 3 | $ 216,000 | $ 72,000 | $ 49,000 |
| Lincoln, NE | 3 | $ 290,000 | $ 96,666 | $ 42,000 |
| Pocatello, ID | 3 | $ 265,000 | $ 88,333 | $ 39,000 |
| Altoona, PA | 2 | $ 185,000 | $ 92,500 | $ 63,000 |
| Enid, OK | 2 | $ 135,000 | $ 67,500 | $ 34,000 |
| Hattiesburg, MS | 2 | $ 255,000 | $ 127,500 | $ 35,000 |
| San Angelo, TX | 2 | $ 280,000 | $ 140,000 | $ 125,000 |
| Texarkana, TX-AR | 2 | $ 242,000 | $ 121,000 | $ 99,000 |
| Victoria, TX | 2 | $ 189,000 | $ 94,500 | $ 73,000 |
| Wheeling, WV-OH | 2 | $ 108,000 | $ 54,000 | $ 74,000 |
| Abilene, TX | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Alexandria, LA | 1 | $ 42,000 | $ 42,000 | $ 25,000 |
| Anchorage, AK | 1 | $ 188,000 | $ 188,000 | $ 73,000 |
| Bismarck, ND | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Honolulu, HI | 1 | $ 496,000 | $ 496,000 | $ 121,000 |
| Jonesboro, AR | 1 | $ 108,000 | $ 108,000 | $ 61,000 |
| Parkersburg-Marietta, WV-OH | 1 | $ 110,000 | $ 110,000 | $ 45,000 |
| Pine Bluff, AR | 1 | $ 52,000 | $ 52,000 | $ 44,000 |
| Sioux City, IA-NE | 1 | $ 110,000 | $ 110,000 | $ 96,000 |
| Terre Haute, IN | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Williamsport, PA | 1 | $ 201,000 | $ 201,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Amtrust Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 115,220 | $21,431,022,000 | $172,500 | $5,300,000 | $83,040 | $9,069,000 |
| Home Purchase (one-to-four family) | 51,068 | $9,342,999,000 | $170,960 | $1,695,000 | $78,960 | $4,199,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 122,879 | $22,651,844,000 | $169,640 | $5,300,000 | $86,780 | $5,856,000 |
| Information not provided by applicant in mail or telephone application | 24,006 | $4,720,184,000 | $165,714 | $1,250,000 | $71,306 | $2,400,000 |
| Hispanic | 6,977 | $1,173,470,000 | $168,468 | $905,000 | $73,595 | $1,073,000 |
| Asian or Pacific Islander | 5,465 | $1,163,137,000 | $181,340 | $1,000,000 | $84,227 | $967,000 |
| Black | 4,747 | $715,415,000 | $148,487 | $1,600,000 | $75,268 | $9,069,000 |
| Other | 1,285 | $249,337,000 | $195,394 | $950,000 | $90,342 | $3,000,000 |
| Not applicable | 604 | $40,877,000 | $74,333 | $208,000 | $51,333 | $501,000 |
| American Indian or Alaskan Native | 325 | $59,757,000 | $176,638 | $627,000 | $85,444 | $2,014,000 |
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) | 165,794 | $30,729,469,000 | $173,941 | $5,300,000 | $81,235 | $9,069,000 |
| FHA-insured (Federal Housing Administration) | 448 | $40,403,000 | $90,000 | $164,000 | $40,666 | $280,000 |
| VA-guaranteed (Veterans Administration) | 46 | $4,149,000 | $103,666 | $190,000 | $218,666 | $1,040,000 |
| 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 | 119,132 | $22,013,742,000 | $167,020 | $1,300,000 | $87,040 | $5,027,000 |
| Loan Purchased By The Institution | 20,110 | $3,480,396,000 | $161,480 | $975,000 | $76,900 | $3,896,000 |
| Application Approved But Not Accepted | 12,258 | $2,417,650,000 | $176,693 | $2,541,000 | $83,591 | $8,334,000 |
| Application Withdrawn By Applicant | 9,432 | $1,783,959,000 | $176,540 | $5,300,000 | $58,680 | $5,856,000 |
| Application Denied By Financial Institution | 4,369 | $877,661,000 | $179,979 | $2,000,000 | $88,583 | $9,069,000 |
| File Closed For Incompleteness | 987 | $200,613,000 | $184,666 | $994,000 | $82,333 | $3,456,000 |
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 | 1,238 | $263,732,000 | $176,931 | $2,000,000 | $79,500 | $1,120,000 |
| Other | 855 | $164,800,000 | $164,825 | $953,000 | $61,300 | $920,000 |
| Debt-To-Income Ratio | 794 | $163,344,000 | $205,800 | $1,500,000 | $111,650 | $9,069,000 |
| Collateral | 590 | $117,261,000 | $197,536 | $1,800,000 | $85,634 | $3,424,000 |
| Credit History | 584 | $107,921,000 | $170,052 | $1,600,000 | $66,105 | $1,500,000 |
| Employment History | 103 | $20,614,000 | $192,320 | $650,000 | $75,840 | $414,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 91 | $17,338,000 | $202,958 | $1,000,000 | $79,458 | $521,000 |
| Unverifiable Information | 82 | $17,044,000 | $183,842 | $670,000 | $96,947 | $589,000 |
| Mortgage Insurance Denied | 32 | $5,607,000 | $186,818 | $577,000 | $68,454 | $266,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amtrust Bank's 2003 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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