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Act (HMDA) records Amtrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 7,945 | $ 1,524,478,000 | $ 191,878 | $ 92,000 |
| Chicago-Naperville-Joliet, IL | 5,658 | $ 1,198,674,000 | $ 211,854 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4,569 | $ 967,966,000 | $ 211,855 | $ 81,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4,018 | $ 833,650,000 | $ 207,478 | $ 84,000 |
| Warren-Farmington Hills-Troy, MI | 3,637 | $ 587,915,000 | $ 161,648 | $ 80,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3,439 | $ 669,996,000 | $ 194,822 | $ 82,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3,369 | $ 624,047,000 | $ 185,232 | $ 78,000 |
| Los Angeles-Long Beach-Glendale, CA | 3,332 | $ 1,129,453,000 | $ 338,971 | $ 121,000 |
| Houston-Baytown-Sugar Land, TX | 2,922 | $ 480,094,000 | $ 164,303 | $ 90,000 |
| St. Louis, MO-IL | 2,858 | $ 450,919,000 | $ 157,774 | $ 72,000 |
| Las Vegas-Paradise, NV | 2,791 | $ 497,623,000 | $ 178,295 | $ 105,000 |
| Miami-Miami Beach-Kendall, FL | 2,578 | $ 524,965,000 | $ 203,632 | $ 94,000 |
| Orlando, FL | 2,543 | $ 480,772,000 | $ 189,057 | $ 86,000 |
| Worcester, MA | 2,498 | $ 444,676,000 | $ 178,012 | $ 59,000 |
| Cleveland-Elyria-Mentor, OH | 2,284 | $ 276,751,000 | $ 121,169 | $ 57,000 |
| Denver-Aurora, CO | 2,022 | $ 417,968,000 | $ 206,710 | $ 85,000 |
| Seattle-Bellevue-Everett, WA | 1,983 | $ 547,556,000 | $ 276,125 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,905 | $ 327,882,000 | $ 172,116 | $ 70,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,902 | $ 336,485,000 | $ 176,911 | $ 77,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,732 | $ 657,024,000 | $ 379,344 | $ 133,000 |
| Riverside-San Bernardino-Ontario, CA | 1,662 | $ 441,695,000 | $ 265,761 | $ 109,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,595 | $ 542,708,000 | $ 340,255 | $ 127,000 |
| Boston-Quincy, MA | 1,581 | $ 422,222,000 | $ 267,060 | $ 87,000 |
| Detroit-Livonia-Dearborn, MI | 1,410 | $ 190,813,000 | $ 135,328 | $ 76,000 |
| Cambridge-Newton-Framingham, MA | 1,284 | $ 331,938,000 | $ 258,518 | $ 77,000 |
| Indianapolis, IN | 1,257 | $ 181,060,000 | $ 144,041 | $ 91,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,253 | $ 240,151,000 | $ 191,660 | $ 89,000 |
| Dallas-Plano-Irving, TX | 1,226 | $ 216,430,000 | $ 176,533 | $ 106,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,219 | $ 322,149,000 | $ 264,273 | $ 106,000 |
| Edison, NJ | 1,177 | $ 287,997,000 | $ 244,687 | $ 108,000 |
| Birmingham-Hoover, AL | 1,135 | $ 155,939,000 | $ 137,391 | $ 72,000 |
| Hartford-West Hartford-East Hartford, CT | 1,128 | $ 210,667,000 | $ 186,761 | $ 86,000 |
| Columbus, OH | 1,106 | $ 152,908,000 | $ 138,253 | $ 68,000 |
| New York-Wayne-White Plains, NY-NJ | 1,080 | $ 323,787,000 | $ 299,802 | $ 122,000 |
| Newark-Union, NJ-PA | 1,056 | $ 219,294,000 | $ 207,664 | $ 101,000 |
| Essex County, MA | 1,037 | $ 265,006,000 | $ 255,550 | $ 81,000 |
| Sarasota-Bradenton-Venice, FL | 1,028 | $ 243,823,000 | $ 237,181 | $ 110,000 |
| Baltimore-Towson, MD | 991 | $ 213,085,000 | $ 215,020 | $ 90,000 |
| Pittsburgh, PA | 944 | $ 119,904,000 | $ 127,016 | $ 76,000 |
| Des Moines, IA | 942 | $ 129,444,000 | $ 137,414 | $ 81,000 |
| Nassau-Suffolk, NY | 927 | $ 267,873,000 | $ 288,967 | $ 104,000 |
| Austin-Round Rock, TX | 920 | $ 154,015,000 | $ 167,407 | $ 90,000 |
| Bethesda-Frederick-Gaithersburg, MD | 814 | $ 209,548,000 | $ 257,429 | $ 96,000 |
| Wilmington, NC | 814 | $ 158,612,000 | $ 194,855 | $ 112,000 |
| Portland-South Portland-Biddeford, ME | 802 | $ 155,873,000 | $ 194,355 | $ 85,000 |
| Kansas City, MO-KS | 773 | $ 95,835,000 | $ 123,978 | $ 89,000 |
| New Haven-Milford, CT | 759 | $ 145,560,000 | $ 191,778 | $ 88,000 |
| Port St. Lucie-Fort Pierce, FL | 753 | $ 143,200,000 | $ 190,172 | $ 69,000 |
| Providence-New Bedford-Fall River, RI-MA | 746 | $ 170,371,000 | $ 228,379 | $ 95,000 |
| Jacksonville, FL | 732 | $ 139,344,000 | $ 190,360 | $ 101,000 |
| Richmond, VA | 720 | $ 131,194,000 | $ 182,213 | $ 74,000 |
| Oakland-Fremont-Hayward, CA | 717 | $ 283,184,000 | $ 394,956 | $ 136,000 |
| Toledo, OH | 715 | $ 90,431,000 | $ 126,476 | $ 73,000 |
| Cincinnati-Middletown, OH-KY-IN | 709 | $ 131,200,000 | $ 185,049 | $ 83,000 |
| Tucson, AZ | 704 | $ 127,799,000 | $ 181,532 | $ 107,000 |
| Akron, OH | 699 | $ 82,174,000 | $ 117,559 | $ 49,000 |
| Philadelphia, PA | 680 | $ 126,849,000 | $ 186,542 | $ 92,000 |
| Ann Arbor, MI | 617 | $ 115,611,000 | $ 187,376 | $ 100,000 |
| Lake County-Kenosha County, IL-WI | 590 | $ 135,554,000 | $ 229,752 | $ 84,000 |
| Bridgeport-Stamford-Norwalk, CT | 569 | $ 166,177,000 | $ 292,050 | $ 104,000 |
| Cape Coral-Fort Myers, FL | 561 | $ 115,437,000 | $ 205,770 | $ 70,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 529 | $ 95,584,000 | $ 180,688 | $ 84,000 |
| Rockingham County-Strafford County, NH | 521 | $ 110,884,000 | $ 212,829 | $ 83,000 |
| Charlotte-Gastonia-Concord, NC-SC | 516 | $ 80,888,000 | $ 156,759 | $ 93,000 |
| Raleigh-Cary, NC | 508 | $ 88,285,000 | $ 173,789 | $ 84,000 |
| Fort Worth-Arlington, TX | 501 | $ 77,792,000 | $ 155,273 | $ 92,000 |
| Barnstable Town, MA | 477 | $ 130,925,000 | $ 274,475 | $ 115,000 |
| Montgomery, AL | 473 | $ 68,560,000 | $ 144,947 | $ 93,000 |
| Naples-Marco Island, FL | 435 | $ 111,376,000 | $ 256,036 | $ 110,000 |
| Mobile, AL | 426 | $ 50,586,000 | $ 118,746 | $ 53,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 425 | $ 77,771,000 | $ 182,990 | $ 134,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 414 | $ 65,115,000 | $ 157,282 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 408 | $ 77,280,000 | $ 189,411 | $ 104,000 |
| Lafayette, LA | 404 | $ 57,313,000 | $ 141,863 | $ 64,000 |
| Oklahoma City, OK | 399 | $ 51,583,000 | $ 129,280 | $ 68,000 |
| Greenville, SC | 394 | $ 48,435,000 | $ 122,931 | $ 65,000 |
| Boulder, CO | 391 | $ 92,700,000 | $ 237,084 | $ 92,000 |
| Charleston-North Charleston, SC | 386 | $ 80,826,000 | $ 209,393 | $ 92,000 |
| Lakeland, FL | 369 | $ 52,074,000 | $ 141,121 | $ 76,000 |
| New Orleans-Metairie-Kenner, LA | 361 | $ 56,090,000 | $ 155,373 | $ 73,000 |
| Salt Lake City, UT | 360 | $ 63,793,000 | $ 177,202 | $ 105,000 |
| Bakersfield, CA | 342 | $ 67,359,000 | $ 196,956 | $ 80,000 |
| Modesto, CA | 339 | $ 81,458,000 | $ 240,289 | $ 105,000 |
| Palm Bay-Melbourne-Titusville, FL | 336 | $ 63,623,000 | $ 189,354 | $ 85,000 |
| Burlington-South Burlington, VT | 324 | $ 59,065,000 | $ 182,299 | $ 69,000 |
| Fort Walton Beach-Crestview-Destin, FL | 321 | $ 75,145,000 | $ 234,096 | $ 104,000 |
| Prescott, AZ | 315 | $ 61,558,000 | $ 195,422 | $ 106,000 |
| Springfield, MA | 305 | $ 46,723,000 | $ 153,190 | $ 62,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 301 | $ 111,505,000 | $ 370,448 | $ 147,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 295 | $ 90,207,000 | $ 305,786 | $ 106,000 |
| San Antonio, TX | 294 | $ 44,111,000 | $ 150,037 | $ 95,000 |
| Tulsa, OK | 293 | $ 32,321,000 | $ 110,310 | $ 53,000 |
| Canton-Massillon, OH | 276 | $ 27,880,000 | $ 101,014 | $ 57,000 |
| Durham, NC | 274 | $ 48,501,000 | $ 177,010 | $ 93,000 |
| Columbia, SC | 272 | $ 36,692,000 | $ 134,897 | $ 85,000 |
| San Francisco-San Mateo-Redwood City, CA | 269 | $ 127,567,000 | $ 474,226 | $ 143,000 |
| Nashville-Davidson--Murfreesboro, TN | 268 | $ 52,519,000 | $ 195,966 | $ 94,000 |
| Kingston, NY | 263 | $ 50,357,000 | $ 191,471 | $ 95,000 |
| Stockton, CA | 261 | $ 69,183,000 | $ 265,068 | $ 103,000 |
| Flint, MI | 257 | $ 30,576,000 | $ 118,972 | $ 62,000 |
| Ocala, FL | 256 | $ 36,596,000 | $ 142,953 | $ 51,000 |
| Manchester-Nashua, NH | 248 | $ 49,744,000 | $ 200,580 | $ 75,000 |
| Grand Rapids-Wyoming, MI | 244 | $ 30,312,000 | $ 124,229 | $ 54,000 |
| Tallahassee, FL | 239 | $ 35,917,000 | $ 150,280 | $ 62,000 |
| Beaumont-Port Arthur, TX | 230 | $ 27,106,000 | $ 117,852 | $ 96,000 |
| Green Bay, WI | 228 | $ 27,744,000 | $ 121,684 | $ 45,000 |
| Huntsville, AL | 225 | $ 31,361,000 | $ 139,382 | $ 61,000 |
| Lansing-East Lansing, MI | 225 | $ 32,585,000 | $ 144,822 | $ 64,000 |
| Colorado Springs, CO | 224 | $ 45,650,000 | $ 203,794 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 224 | $ 91,214,000 | $ 407,205 | $ 143,000 |
| Reno-Sparks, NV | 223 | $ 56,819,000 | $ 254,793 | $ 99,000 |
| Baton Rouge, LA | 221 | $ 30,540,000 | $ 138,190 | $ 85,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 219 | $ 50,300,000 | $ 229,680 | $ 90,000 |
| Camden, NJ | 201 | $ 34,740,000 | $ 172,835 | $ 94,000 |
| Albany-Schenectady-Troy, NY | 197 | $ 33,417,000 | $ 169,629 | $ 79,000 |
| Rochester, MN | 191 | $ 28,595,000 | $ 149,712 | $ 86,000 |
| Fort Collins-Loveland, CO | 190 | $ 36,206,000 | $ 190,557 | $ 77,000 |
| Madison, WI | 189 | $ 31,097,000 | $ 164,534 | $ 68,000 |
| Panama City-Lynn Haven, FL | 181 | $ 40,827,000 | $ 225,563 | $ 110,000 |
| Fresno, CA | 178 | $ 39,059,000 | $ 219,432 | $ 109,000 |
| Macon, GA | 177 | $ 23,138,000 | $ 130,723 | $ 68,000 |
| Bloomington, IN | 173 | $ 23,268,000 | $ 134,497 | $ 68,000 |
| Flagstaff, AZ | 159 | $ 37,330,000 | $ 234,779 | $ 135,000 |
| Springfield, IL | 149 | $ 18,922,000 | $ 126,993 | $ 86,000 |
| Tacoma, WA | 145 | $ 34,267,000 | $ 236,324 | $ 100,000 |
| Monroe, MI | 138 | $ 19,608,000 | $ 142,086 | $ 69,000 |
| Yuma, AZ | 138 | $ 22,720,000 | $ 164,637 | $ 67,000 |
| Omaha-Council Bluffs, NE-IA | 137 | $ 16,564,000 | $ 120,905 | $ 71,000 |
| Albuquerque, NM | 135 | $ 23,010,000 | $ 170,444 | $ 79,000 |
| Duluth, MN-WI | 135 | $ 18,360,000 | $ 136,000 | $ 40,000 |
| Greeley, CO | 135 | $ 25,280,000 | $ 187,259 | $ 63,000 |
| Ogden-Clearfield, UT | 134 | $ 18,709,000 | $ 139,619 | $ 64,000 |
| Gary, IN | 133 | $ 19,233,000 | $ 144,609 | $ 83,000 |
| Appleton, WI | 130 | $ 15,441,000 | $ 118,776 | $ 65,000 |
| Boise City-Nampa, ID | 129 | $ 15,994,000 | $ 123,984 | $ 83,000 |
| Racine, WI | 126 | $ 19,417,000 | $ 154,103 | $ 67,000 |
| Merced, CA | 124 | $ 27,765,000 | $ 223,911 | $ 88,000 |
| Davenport-Moline-Rock Island, IA-IL | 123 | $ 14,977,000 | $ 121,764 | $ 81,000 |
| Winston-Salem, NC | 121 | $ 20,790,000 | $ 171,818 | $ 114,000 |
| Kennewick-Richland-Pasco, WA | 119 | $ 16,290,000 | $ 136,890 | $ 86,000 |
| Cedar Rapids, IA | 117 | $ 17,931,000 | $ 153,256 | $ 117,000 |
| St. Cloud, MN | 117 | $ 18,612,000 | $ 159,076 | $ 58,000 |
| Asheville, NC | 115 | $ 19,197,000 | $ 166,930 | $ 79,000 |
| Norwich-New London, CT | 113 | $ 23,262,000 | $ 205,858 | $ 80,000 |
| Dayton, OH | 112 | $ 15,382,000 | $ 137,339 | $ 67,000 |
| Salem, OR | 110 | $ 15,635,000 | $ 142,136 | $ 81,000 |
| Athens-Clarke County, GA | 109 | $ 15,230,000 | $ 139,724 | $ 108,000 |
| Memphis, TN-MS-AR | 108 | $ 17,743,000 | $ 164,287 | $ 93,000 |
| Jacksonville, NC | 107 | $ 17,674,000 | $ 165,177 | $ 75,000 |
| Vallejo-Fairfield, CA | 106 | $ 29,676,000 | $ 279,962 | $ 90,000 |
| College Station-Bryan, TX | 105 | $ 12,411,000 | $ 118,200 | $ 108,000 |
| Little Rock-North Little Rock, AR | 104 | $ 12,189,000 | $ 117,201 | $ 56,000 |
| Vero Beach, FL | 102 | $ 20,009,000 | $ 196,166 | $ 100,000 |
| York-Hanover, PA | 100 | $ 14,181,000 | $ 141,810 | $ 64,000 |
| Bremerton-Silverdale, WA | 99 | $ 31,331,000 | $ 316,474 | $ 123,000 |
| State College, PA | 98 | $ 12,270,000 | $ 125,204 | $ 83,000 |
| Kalamazoo-Portage, MI | 97 | $ 12,305,000 | $ 126,855 | $ 64,000 |
| Greensboro-High Point, NC | 96 | $ 18,243,000 | $ 190,031 | $ 83,000 |
| Wichita, KS | 94 | $ 8,949,000 | $ 95,202 | $ 64,000 |
| Charlottesville, VA | 93 | $ 16,228,000 | $ 174,494 | $ 62,000 |
| Brownsville-Harlingen, TX | 92 | $ 12,032,000 | $ 130,782 | $ 86,000 |
| Lincoln, NE | 92 | $ 10,182,000 | $ 110,673 | $ 47,000 |
| Punta Gorda, FL | 92 | $ 16,468,000 | $ 179,000 | $ 95,000 |
| Savannah, GA | 91 | $ 17,168,000 | $ 188,659 | $ 111,000 |
| Visalia-Porterville, CA | 91 | $ 16,348,000 | $ 179,648 | $ 117,000 |
| Fort Wayne, IN | 89 | $ 9,475,000 | $ 106,460 | $ 62,000 |
| Hagerstown-Martinsburg, MD-WV | 85 | $ 18,404,000 | $ 216,517 | $ 69,000 |
| Grand Junction, CO | 84 | $ 13,602,000 | $ 161,928 | $ 76,000 |
| Lancaster, PA | 84 | $ 11,495,000 | $ 136,845 | $ 67,000 |
| Bellingham, WA | 83 | $ 14,079,000 | $ 169,626 | $ 90,000 |
| Decatur, AL | 83 | $ 8,651,000 | $ 104,228 | $ 76,000 |
| Gainesville, FL | 82 | $ 10,853,000 | $ 132,353 | $ 102,000 |
| Knoxville, TN | 81 | $ 12,578,000 | $ 155,283 | $ 128,000 |
| Trenton-Ewing, NJ | 78 | $ 16,257,000 | $ 208,423 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 77 | $ 13,064,000 | $ 169,662 | $ 66,000 |
| Gulfport-Biloxi, MS | 77 | $ 12,517,000 | $ 162,558 | $ 68,000 |
| Ocean City, NJ | 77 | $ 22,850,000 | $ 296,753 | $ 111,000 |
| Eau Claire, WI | 72 | $ 8,513,000 | $ 118,236 | $ 55,000 |
| Wausau, WI | 72 | $ 6,547,000 | $ 90,930 | $ 58,000 |
| Yuba City, CA | 69 | $ 15,042,000 | $ 218,000 | $ 62,000 |
| Monroe, LA | 66 | $ 7,313,000 | $ 110,803 | $ 45,000 |
| Jackson, MI | 65 | $ 9,062,000 | $ 139,415 | $ 69,000 |
| Atlantic City, NJ | 63 | $ 12,406,000 | $ 196,920 | $ 114,000 |
| Columbia, MO | 63 | $ 9,038,000 | $ 143,460 | $ 72,000 |
| Harrisburg-Carlisle, PA | 63 | $ 8,761,000 | $ 139,063 | $ 56,000 |
| Sherman-Denison, TX | 63 | $ 6,520,000 | $ 103,492 | $ 58,000 |
| Provo-Orem, UT | 60 | $ 9,459,000 | $ 157,650 | $ 97,000 |
| Bend, OR | 58 | $ 11,033,000 | $ 190,224 | $ 91,000 |
| Farmington, NM | 55 | $ 9,155,000 | $ 166,454 | $ 87,000 |
| Oshkosh-Neenah, WI | 55 | $ 5,862,000 | $ 106,581 | $ 49,000 |
| Roanoke, VA | 55 | $ 6,101,000 | $ 110,927 | $ 75,000 |
| Wilmington, DE-MD-NJ | 54 | $ 9,205,000 | $ 170,462 | $ 65,000 |
| Jefferson City, MO | 53 | $ 5,697,000 | $ 107,490 | $ 49,000 |
| Saginaw-Saginaw Township North, MI | 53 | $ 6,118,000 | $ 115,433 | $ 68,000 |
| Carson City, NV | 50 | $ 10,078,000 | $ 201,560 | $ 95,000 |
| McAllen-Edinburg-Pharr, TX | 50 | $ 6,530,000 | $ 130,600 | $ 64,000 |
| Waterloo-Cedar Falls, IA | 50 | $ 5,053,000 | $ 101,060 | $ 53,000 |
| Anderson, IN | 49 | $ 4,217,000 | $ 86,061 | $ 40,000 |
| Corpus Christi, TX | 49 | $ 7,076,000 | $ 144,408 | $ 102,000 |
| Lewiston-Auburn, ME | 49 | $ 6,850,000 | $ 139,795 | $ 73,000 |
| Salinas, CA | 49 | $ 17,885,000 | $ 365,000 | $ 135,000 |
| Reading, PA | 48 | $ 7,856,000 | $ 163,666 | $ 71,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 48 | $ 18,390,000 | $ 383,125 | $ 116,000 |
| Rome, GA | 47 | $ 3,333,000 | $ 70,914 | $ 42,000 |
| Sioux Falls, SD | 47 | $ 6,088,000 | $ 129,531 | $ 60,000 |
| San Luis Obispo-Paso Robles, CA | 46 | $ 15,063,000 | $ 327,456 | $ 110,000 |
| Lynchburg, VA | 45 | $ 5,281,000 | $ 117,355 | $ 71,000 |
| Youngstown-Warren-Boardman, OH-PA | 45 | $ 4,737,000 | $ 105,266 | $ 61,000 |
| Madera, CA | 44 | $ 10,293,000 | $ 233,931 | $ 80,000 |
| Augusta-Richmond County, GA-SC | 43 | $ 6,037,000 | $ 140,395 | $ 67,000 |
| Eugene-Springfield, OR | 43 | $ 6,882,000 | $ 160,046 | $ 58,000 |
| Iowa City, IA | 43 | $ 7,170,000 | $ 166,744 | $ 65,000 |
| Topeka, KS | 43 | $ 4,681,000 | $ 108,860 | $ 59,000 |
| Santa Rosa-Petaluma, CA | 42 | $ 11,828,000 | $ 281,619 | $ 143,000 |
| Chico, CA | 41 | $ 8,305,000 | $ 202,560 | $ 86,000 |
| Gainesville, GA | 41 | $ 6,712,000 | $ 163,707 | $ 56,000 |
| Lawrence, KS | 40 | $ 6,409,000 | $ 160,225 | $ 79,000 |
| Rockford, IL | 40 | $ 4,678,000 | $ 116,950 | $ 57,000 |
| Shreveport-Bossier City, LA | 39 | $ 5,077,000 | $ 130,179 | $ 66,000 |
| Tuscaloosa, AL | 39 | $ 4,743,000 | $ 121,615 | $ 72,000 |
| Spartanburg, SC | 38 | $ 4,963,000 | $ 130,605 | $ 99,000 |
| Warner Robins, GA | 38 | $ 5,133,000 | $ 135,078 | $ 64,000 |
| Rapid City, SD | 36 | $ 4,263,000 | $ 118,416 | $ 48,000 |
| Holland-Grand Haven, MI | 35 | $ 6,207,000 | $ 177,342 | $ 98,000 |
| Jackson, MS | 35 | $ 5,417,000 | $ 154,771 | $ 77,000 |
| St. Joseph, MO-KS | 35 | $ 3,682,000 | $ 105,200 | $ 47,000 |
| Anderson, SC | 33 | $ 3,753,000 | $ 113,727 | $ 60,000 |
| Redding, CA | 33 | $ 6,517,000 | $ 197,484 | $ 93,000 |
| Santa Cruz-Watsonville, CA | 33 | $ 13,028,000 | $ 394,787 | $ 126,000 |
| Springfield, MO | 33 | $ 4,447,000 | $ 134,757 | $ 49,000 |
| Auburn-Opelika, AL | 32 | $ 4,456,000 | $ 139,250 | $ 93,000 |
| El Paso, TX | 31 | $ 4,160,000 | $ 134,193 | $ 62,000 |
| Lubbock, TX | 30 | $ 3,885,000 | $ 129,500 | $ 111,000 |
| Olympia, WA | 30 | $ 5,767,000 | $ 192,233 | $ 77,000 |
| Medford, OR | 29 | $ 6,716,000 | $ 231,586 | $ 102,000 |
| Napa, CA | 29 | $ 11,476,000 | $ 395,724 | $ 214,000 |
| Spokane, WA | 29 | $ 3,319,000 | $ 114,448 | $ 79,000 |
| Battle Creek, MI | 28 | $ 3,093,000 | $ 110,464 | $ 70,000 |
| South Bend-Mishawaka, IN-MI | 28 | $ 3,669,000 | $ 131,035 | $ 66,000 |
| Fargo, ND-MN | 27 | $ 3,125,000 | $ 115,740 | $ 33,000 |
| Santa Fe, NM | 27 | $ 6,304,000 | $ 233,481 | $ 130,000 |
| Kokomo, IN | 26 | $ 2,053,000 | $ 78,961 | $ 74,000 |
| Yakima, WA | 26 | $ 3,198,000 | $ 123,000 | $ 57,000 |
| Evansville, IN-KY | 25 | $ 3,345,000 | $ 133,800 | $ 202,000 |
| Sheboygan, WI | 25 | $ 3,272,000 | $ 130,880 | $ 65,000 |
| Burlington, NC | 24 | $ 2,724,000 | $ 113,500 | $ 49,000 |
| Janesville, WI | 24 | $ 2,747,000 | $ 114,458 | $ 46,000 |
| Joplin, MO | 24 | $ 2,183,000 | $ 90,958 | $ 45,000 |
| Fond Du Lac, WI | 23 | $ 2,531,000 | $ 110,043 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 23 | $ 3,482,000 | $ 151,391 | $ 68,000 |
| Killeen-Temple-Fort Hood, TX | 23 | $ 2,680,000 | $ 116,521 | $ 47,000 |
| Lake Charles, LA | 23 | $ 2,949,000 | $ 128,217 | $ 83,000 |
| Lexington-Fayette, KY | 23 | $ 3,246,000 | $ 141,130 | $ 55,000 |
| Pascagoula, MS | 23 | $ 2,981,000 | $ 129,608 | $ 46,000 |
| Scranton--Wilkes-Barre, PA | 23 | $ 3,865,000 | $ 168,043 | $ 80,000 |
| Winchester, VA-WV | 23 | $ 5,240,000 | $ 227,826 | $ 68,000 |
| Niles-Benton Harbor, MI | 22 | $ 4,989,000 | $ 226,772 | $ 157,000 |
| St. George, UT | 22 | $ 4,211,000 | $ 191,409 | $ 126,000 |
| Odessa, TX | 21 | $ 1,575,000 | $ 75,000 | $ 42,000 |
| Syracuse, NY | 21 | $ 3,074,000 | $ 146,380 | $ 112,000 |
| Buffalo-Niagara Falls, NY | 20 | $ 2,687,000 | $ 134,350 | $ 68,000 |
| Muncie, IN | 20 | $ 1,530,000 | $ 76,500 | $ 45,000 |
| Pueblo, CO | 20 | $ 2,904,000 | $ 145,200 | $ 72,000 |
| Cumberland, MD-WV | 19 | $ 1,169,000 | $ 61,526 | $ 66,000 |
| El Centro, CA | 19 | $ 3,387,000 | $ 178,263 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 19 | $ 4,229,000 | $ 222,578 | $ 147,000 |
| Hanford-Corcoran, CA | 19 | $ 3,213,000 | $ 169,105 | $ 67,000 |
| Louisville, KY-IN | 19 | $ 3,247,000 | $ 170,894 | $ 56,000 |
| Bay City, MI | 18 | $ 2,234,000 | $ 124,111 | $ 62,000 |
| Chattanooga, TN-GA | 18 | $ 3,253,000 | $ 180,722 | $ 67,000 |
| Columbus, GA-AL | 18 | $ 3,127,000 | $ 173,722 | $ 123,000 |
| Longview, WA | 18 | $ 3,281,000 | $ 182,277 | $ 63,000 |
| Albany, GA | 17 | $ 2,103,000 | $ 123,705 | $ 70,000 |
| Coeur D'Alene, ID | 17 | $ 3,023,000 | $ 177,823 | $ 160,000 |
| Dalton, GA | 17 | $ 2,466,000 | $ 145,058 | $ 75,000 |
| Dover, DE | 17 | $ 2,778,000 | $ 163,411 | $ 59,000 |
| Mount Vernon-Anacortes, WA | 17 | $ 3,435,000 | $ 202,058 | $ 102,000 |
| Peoria, IL | 17 | $ 1,925,000 | $ 113,235 | $ 97,000 |
| Pittsfield, MA | 17 | $ 3,644,000 | $ 214,352 | $ 100,000 |
| Wenatchee, WA | 17 | $ 3,202,000 | $ 188,352 | $ 84,000 |
| Amarillo, TX | 16 | $ 1,580,000 | $ 98,750 | $ 38,000 |
| Ames, IA | 16 | $ 2,654,000 | $ 165,875 | $ 65,000 |
| Gadsden, AL | 16 | $ 1,598,000 | $ 99,875 | $ 65,000 |
| Kankakee-Bradley, IL | 16 | $ 1,883,000 | $ 117,687 | $ 46,000 |
| Salisbury, MD | 16 | $ 2,523,000 | $ 157,687 | $ 53,000 |
| Sioux City, IA-NE-SD | 16 | $ 1,343,000 | $ 83,937 | $ 54,000 |
| Blacksburg-Christiansburg-Radford, VA | 15 | $ 1,891,000 | $ 126,066 | $ 64,000 |
| Brunswick, GA | 15 | $ 3,730,000 | $ 248,666 | $ 139,000 |
| Greenville, NC | 15 | $ 2,191,000 | $ 146,066 | $ 109,000 |
| Tyler, TX | 15 | $ 1,977,000 | $ 131,800 | $ 60,000 |
| Waco, TX | 15 | $ 1,762,000 | $ 117,466 | $ 54,000 |
| Anniston-Oxford, AL | 14 | $ 1,326,000 | $ 94,714 | $ 109,000 |
| Bangor, ME | 14 | $ 1,542,000 | $ 110,142 | $ 50,000 |
| Florence-Muscle Shoals, AL | 14 | $ 1,630,000 | $ 116,428 | $ 71,000 |
| La Crosse, WI-MN | 14 | $ 1,236,000 | $ 88,285 | $ 51,000 |
| Rochester, NY | 14 | $ 1,694,000 | $ 121,000 | $ 60,000 |
| Sandusky, OH | 14 | $ 2,889,000 | $ 206,357 | $ 114,000 |
| Billings, MT | 13 | $ 2,236,000 | $ 172,000 | $ 66,000 |
| Champaign-Urbana, IL | 13 | $ 1,253,000 | $ 96,384 | $ 70,000 |
| Corvallis, OR | 13 | $ 1,903,000 | $ 146,384 | $ 70,000 |
| Erie, PA | 13 | $ 2,208,000 | $ 169,846 | $ 89,000 |
| Glens Falls, NY | 13 | $ 1,895,000 | $ 145,769 | $ 65,000 |
| Honolulu, HI | 13 | $ 4,632,000 | $ 356,307 | $ 170,000 |
| Houma-Bayou Cane-Thibodaux, LA | 13 | $ 1,338,000 | $ 102,923 | $ 45,000 |
| Johnson City, TN | 13 | $ 1,405,000 | $ 108,076 | $ 50,000 |
| Lawton, OK | 13 | $ 974,000 | $ 74,923 | $ 52,000 |
| Muskegon-Norton Shores, MI | 13 | $ 1,654,000 | $ 127,230 | $ 59,000 |
| Fayetteville, NC | 12 | $ 1,018,000 | $ 84,833 | $ 70,000 |
| Utica-Rome, NY | 12 | $ 1,040,000 | $ 86,666 | $ 59,000 |
| Alexandria, LA | 11 | $ 1,409,000 | $ 128,090 | $ 60,000 |
| Elkhart-Goshen, IN | 11 | $ 1,928,000 | $ 175,272 | $ 83,000 |
| Michigan City-La Porte, IN | 11 | $ 1,982,000 | $ 180,181 | $ 87,000 |
| Cheyenne, WY | 10 | $ 1,645,000 | $ 164,500 | $ 58,000 |
| Clarksville, TN-KY | 10 | $ 1,106,000 | $ 110,600 | $ 87,000 |
| Hattiesburg, MS | 10 | $ 989,000 | $ 98,900 | $ 128,000 |
| Idaho Falls, ID | 9 | $ 1,097,000 | $ 121,888 | $ 67,000 |
| Jackson, TN | 9 | $ 1,114,000 | $ 123,777 | $ 70,000 |
| Las Cruces, NM | 9 | $ 1,857,000 | $ 206,333 | $ 53,000 |
| Lebanon, PA | 9 | $ 1,235,000 | $ 137,222 | $ 52,000 |
| Springfield, OH | 9 | $ 965,000 | $ 107,222 | $ 59,000 |
| Binghamton, NY | 8 | $ 822,000 | $ 102,750 | $ 65,000 |
| Columbus, IN | 8 | $ 1,546,000 | $ 193,250 | $ 74,000 |
| Dothan, AL | 8 | $ 1,103,000 | $ 137,875 | $ 91,000 |
| Lafayette, IN | 8 | $ 831,000 | $ 103,875 | $ 58,000 |
| Logan, UT-ID | 8 | $ 1,378,000 | $ 172,250 | $ 47,000 |
| Sumter, SC | 8 | $ 1,192,000 | $ 149,000 | $ 61,000 |
| Altoona, PA | 7 | $ 502,000 | $ 71,714 | $ 53,000 |
| Harrisonburg, VA | 7 | $ 1,246,000 | $ 178,000 | $ 90,000 |
| Longview, TX | 7 | $ 900,000 | $ 128,571 | $ 67,000 |
| Rocky Mount, NC | 7 | $ 465,000 | $ 66,428 | $ 26,000 |
| Victoria, TX | 7 | $ 443,000 | $ 63,285 | $ 160,000 |
| Vineland-Millville-Bridgeton, NJ | 7 | $ 820,000 | $ 117,142 | $ 34,000 |
| Wheeling, WV-OH | 7 | $ 846,000 | $ 120,857 | $ 54,000 |
| Wichita Falls, TX | 7 | $ 960,000 | $ 137,142 | $ 73,000 |
| Cleveland, TN | 6 | $ 576,000 | $ 96,000 | $ 61,000 |
| Decatur, IL | 6 | $ 768,000 | $ 128,000 | $ 74,000 |
| Florence, SC | 6 | $ 759,000 | $ 126,500 | $ 70,000 |
| Hot Springs, AR | 6 | $ 1,124,000 | $ 187,333 | $ 92,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,176,000 | $ 196,000 | $ 305,000 |
| Midland, TX | 6 | $ 523,000 | $ 87,166 | $ 85,000 |
| Bloomington-Normal, IL | 5 | $ 818,000 | $ 163,600 | $ 96,000 |
| Casper, WY | 5 | $ 764,000 | $ 152,800 | $ 64,000 |
| Charleston, WV | 5 | $ 1,347,000 | $ 269,400 | $ 89,000 |
| Dubuque, IA | 5 | $ 498,000 | $ 99,600 | $ 41,000 |
| Goldsboro, NC | 5 | $ 647,000 | $ 129,400 | $ 71,000 |
| Grand Forks, ND-MN | 5 | $ 614,000 | $ 122,800 | $ 47,000 |
| Ithaca, NY | 5 | $ 557,000 | $ 111,400 | $ 79,000 |
| Johnstown, PA | 5 | $ 575,000 | $ 115,000 | $ 61,000 |
| Mansfield, OH | 5 | $ 722,000 | $ 144,400 | $ 35,000 |
| Morgantown, WV | 5 | $ 727,000 | $ 145,400 | $ 95,000 |
| Morristown, TN | 5 | $ 575,000 | $ 115,000 | $ 100,000 |
| Terre Haute, IN | 5 | $ 367,000 | $ 73,400 | $ 88,000 |
| Danville, VA | 4 | $ 356,000 | $ 89,000 | $ 60,000 |
| Laredo, TX | 4 | $ 744,000 | $ 186,000 | $ 98,000 |
| Valdosta, GA | 4 | $ 489,000 | $ 122,250 | $ 68,000 |
| Abilene, TX | 3 | $ 205,000 | $ 68,333 | $ 64,000 |
| Danville, IL | 3 | $ 223,000 | $ 74,333 | $ 72,000 |
| Missoula, MT | 3 | $ 638,000 | $ 212,666 | $ 71,000 |
| Pine Bluff, AR | 3 | $ 208,000 | $ 69,333 | $ 77,000 |
| San Angelo, TX | 3 | $ 261,000 | $ 87,000 | $ 41,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 283,000 | $ 94,333 | $ 64,000 |
| Williamsport, PA | 3 | $ 541,000 | $ 180,333 | $ 28,000 |
| Elizabethtown, KY | 2 | $ 259,000 | $ 129,500 | $ 89,000 |
| Fort Smith, AR-OK | 2 | $ 193,000 | $ 96,500 | $ 37,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 221,000 | $ 110,500 | $ 97,000 |
| Pocatello, ID | 2 | $ 222,000 | $ 111,000 | $ 44,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 256,000 | $ 128,000 | $ 70,000 |
| Bismarck, ND | 1 | $ 114,000 | $ 114,000 | $ 93,000 |
| Bowling Green, KY | 1 | $ 190,000 | $ 190,000 | $ 111,000 |
| Elmira, NY | 1 | $ 100,000 | $ 100,000 | $ 85,000 |
| Great Falls, MT | 1 | $ 246,000 | $ 246,000 | $ 44,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 43,000 | $ 43,000 | $ 21,000 |
| Jonesboro, AR | 1 | $ 114,000 | $ 114,000 | $ 78,000 |
| Lima, OH | 1 | $ 308,000 | $ 308,000 | $ 62,000 |
| Owensboro, KY | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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