Bank of Manhattan Mortgage Lending & HMDA Data, 2012
In 2012, Bank of Manhattan of El Segundo, CA reported 2,692 mortgage applications totaling $1.2 billion, up 363% from 2011. The average application was for $434,481, and applicants reported an average income of $201,657. 66% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,159), Santa Ana-Anaheim-Irvine, CA (547) and San Diego-Carlsbad-San Marcos, CA (220) (applications in parentheses).
| Mortgage Company & Address | Bank of Manhattan 2141 Rosecrans Avenue Suite 1100 El Segundo, CA 90245 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,692 |
| Total Mortgage Loan Application Amount | $1,169,623,000 |
| Average Mortgage Loan Application Amount | $434,481 |
| Highest Mortgage Loan Application Amount | $3,052,000 |
| Average Applicant Income | $201,657 |
| Highest Applicant Income | $2,686,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Manhattan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 1,159 | $ 593,327,000 | $ 511,930 | $ 222,000 |
| Orange, California | 547 | $ 254,123,000 | $ 464,575 | $ 203,000 |
| San Diego, California | 220 | $ 78,219,000 | $ 355,540 | $ 168,000 |
| Riverside, California | 66 | $ 16,595,000 | $ 251,439 | $ 161,000 |
| Santa Barbara, California | 53 | $ 23,829,000 | $ 449,603 | $ 170,000 |
| Ventura, California | 42 | $ 16,096,000 | $ 383,238 | $ 205,000 |
| San Bernardino, California | 41 | $ 10,474,000 | $ 255,463 | $ 205,000 |
| Santa Clara, California | 35 | $ 18,252,000 | $ 521,485 | $ 193,000 |
| Middlesex, Massachusetts | 33 | $ 8,112,000 | $ 245,818 | $ 114,000 |
| Maricopa, Arizona | 24 | $ 4,876,000 | $ 203,166 | $ 151,000 |
| San Francisco, California | 22 | $ 12,229,000 | $ 555,863 | $ 218,000 |
| San Mateo, California | 16 | $ 9,291,000 | $ 580,687 | $ 219,000 |
| Alameda, California | 15 | $ 6,601,000 | $ 440,066 | $ 186,000 |
| San Luis Obispo, California | 14 | $ 5,458,000 | $ 389,857 | $ 196,000 |
| Contra Costa, California | 12 | $ 5,762,000 | $ 480,166 | $ 383,000 |
| Sacramento, California | 12 | $ 2,380,000 | $ 198,333 | $ 136,000 |
| Honolulu, Hawaii | 12 | $ 4,266,000 | $ 355,500 | $ 136,000 |
| Essex, Massachusetts | 12 | $ 3,136,000 | $ 261,333 | $ 125,000 |
| Sonoma, California | 11 | $ 3,731,000 | $ 339,181 | $ 346,000 |
| Placer, California | 9 | $ 2,077,000 | $ 230,777 | $ 134,000 |
| Norfolk, Massachusetts | 9 | $ 2,330,000 | $ 258,888 | $ 112,000 |
| Mercer, New Jersey | 9 | $ 1,982,000 | $ 220,222 | $ 88,000 |
| Montgomery, Pennsylvania | 9 | $ 2,065,000 | $ 229,444 | $ 118,000 |
| Monterey, California | 8 | $ 3,285,000 | $ 410,625 | $ 137,000 |
| Dallas, Texas | 8 | $ 2,013,000 | $ 251,625 | $ 149,000 |
| Yolo, California | 7 | $ 2,146,000 | $ 306,571 | $ 100,000 |
| Oakland, Michigan | 7 | $ 1,712,000 | $ 244,571 | $ 229,000 |
| Clark, Nevada | 7 | $ 1,820,000 | $ 260,000 | $ 180,000 |
| King, Washington | 7 | $ 2,010,000 | $ 287,142 | $ 145,000 |
| Bristol, Massachusetts | 6 | $ 1,151,000 | $ 191,833 | $ 84,000 |
| Suffolk, Massachusetts | 6 | $ 1,558,000 | $ 259,666 | $ 289,000 |
| Chester, Pennsylvania | 6 | $ 1,686,000 | $ 281,000 | $ 160,000 |
| Fresno, California | 5 | $ 971,000 | $ 194,200 | $ 91,000 |
| Marin, California | 5 | $ 3,914,000 | $ 782,800 | $ 636,000 |
| Mono, California | 5 | $ 1,752,000 | $ 350,400 | $ 825,000 |
| Santa Cruz, California | 5 | $ 1,468,000 | $ 293,600 | $ 201,000 |
| Douglas, Colorado | 5 | $ 1,934,000 | $ 386,800 | $ 186,000 |
| Eagle, Colorado | 5 | $ 1,418,000 | $ 283,600 | $ 108,000 |
| Philadelphia, Pennsylvania | 5 | $ 1,268,000 | $ 253,600 | $ 115,000 |
| Denton, Texas | 5 | $ 823,000 | $ 164,600 | $ 116,000 |
| Travis, Texas | 5 | $ 935,000 | $ 187,000 | $ 140,000 |
| Pima, Arizona | 4 | $ 1,261,000 | $ 315,250 | $ 206,000 |
| Cook, Illinois | 4 | $ 1,306,000 | $ 326,500 | $ 356,000 |
| Wayne, Michigan | 4 | $ 801,000 | $ 200,250 | $ 121,000 |
| Delaware, Pennsylvania | 4 | $ 885,000 | $ 221,250 | $ 96,000 |
| Mohave, Arizona | 3 | $ 402,000 | $ 134,000 | $ 156,000 |
| El Dorado, California | 3 | $ 1,349,000 | $ 449,666 | $ 191,000 |
| Solano, California | 3 | $ 766,000 | $ 255,333 | $ 123,000 |
| Stanislaus, California | 3 | $ 509,000 | $ 169,666 | $ 128,000 |
| New Castle, Delaware | 3 | $ 614,000 | $ 204,666 | $ 96,000 |
| Maui, Hawaii | 3 | $ 1,224,000 | $ 408,000 | $ 453,000 |
| Barnstable, Massachusetts | 3 | $ 584,000 | $ 194,666 | $ 198,000 |
| Plymouth, Massachusetts | 3 | $ 877,000 | $ 292,333 | $ 144,000 |
| Monmouth, New Jersey | 3 | $ 939,000 | $ 313,000 | $ 231,000 |
| Deschutes, Oregon | 3 | $ 1,075,000 | $ 358,333 | $ 160,000 |
| Bucks, Pennsylvania | 3 | $ 813,000 | $ 271,000 | $ 189,000 |
| Lancaster, Pennsylvania | 3 | $ 532,000 | $ 177,333 | $ 100,000 |
| York, Pennsylvania | 3 | $ 525,000 | $ 175,000 | $ 79,000 |
| Williamson, Tennessee | 3 | $ 1,265,000 | $ 421,666 | $ 137,000 |
| Collin, Texas | 3 | $ 1,013,000 | $ 337,666 | $ 183,000 |
| Tarrant, Texas | 3 | $ 519,000 | $ 173,000 | $ 102,000 |
| Pinal, Arizona | 2 | $ 230,000 | $ 115,000 | $ 61,000 |
| Yavapai, Arizona | 2 | $ 372,000 | $ 186,000 | $ 93,000 |
| Nevada, California | 2 | $ 565,000 | $ 282,500 | $ 119,000 |
| San Benito, California | 2 | $ 729,000 | $ 364,500 | $ 227,000 |
| San Joaquin, California | 2 | $ 140,000 | $ 70,000 | $ 71,000 |
| Sutter, California | 2 | $ 220,000 | $ 110,000 | $ 123,000 |
| Arapahoe, Colorado | 2 | $ 422,000 | $ 211,000 | $ 107,000 |
| Fairfield, Connecticut | 2 | $ 819,000 | $ 409,500 | $ 374,000 |
| Palm Beach, Florida | 2 | $ 367,000 | $ 183,500 | $ 179,000 |
| Fulton, Georgia | 2 | $ 1,032,000 | $ 516,000 | $ 731,000 |
| Baltimore, Maryland | 2 | $ 398,000 | $ 199,000 | $ 58,000 |
| Harford, Maryland | 2 | $ 681,000 | $ 340,500 | $ 104,000 |
| Montgomery, Maryland | 2 | $ 768,000 | $ 384,000 | $ 111,000 |
| Worcester, Massachusetts | 2 | $ 305,000 | $ 152,500 | $ 92,000 |
| Washtenaw, Michigan | 2 | $ 302,000 | $ 151,000 | $ 387,000 |
| Rockingham, New Hampshire | 2 | $ 486,000 | $ 243,000 | $ 112,000 |
| Middlesex, New Jersey | 2 | $ 636,000 | $ 318,000 | $ 100,000 |
| Suffolk, New York | 2 | $ 471,000 | $ 235,500 | $ 87,000 |
| Multnomah, Oregon | 2 | $ 1,092,000 | $ 546,000 | $ 361,000 |
| Washington, Oregon | 2 | $ 534,000 | $ 267,000 | $ 125,000 |
| Lehigh, Pennsylvania | 2 | $ 334,000 | $ 167,000 | $ 64,000 |
| Harris, Texas | 2 | $ 252,000 | $ 126,000 | $ 83,000 |
| Nueces, Texas | 2 | $ 571,000 | $ 285,500 | $ 146,000 |
| Williamson, Texas | 2 | $ 145,000 | $ 72,500 | $ 57,000 |
| Fairfax, Virginia | 2 | $ 768,000 | $ 384,000 | $ 155,000 |
| Loudoun, Virginia | 2 | $ 1,206,000 | $ 603,000 | $ 310,000 |
| Thurston, Washington | 2 | $ 600,000 | $ 300,000 | $ 179,000 |
| Yakima, Washington | 2 | $ 362,000 | $ 181,000 | $ 76,000 |
| La Paz, Arizona | 1 | $ 256,000 | $ 256,000 | $ 44,000 |
| Butte, California | 1 | $ 417,000 | $ 417,000 | $ 390,000 |
| Del Norte, California | 1 | $ 83,000 | $ 83,000 | $ 64,000 |
| Kern, California | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Lake, California | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Tehama, California | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| Tuolumne, California | 1 | $ 336,000 | $ 336,000 | $ 475,000 |
| Yuba, California | 1 | $ 136,000 | $ 136,000 | $ 51,000 |
| Denver, Colorado | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| El Paso, Colorado | 1 | $ 340,000 | $ 340,000 | $ 149,000 |
| Jefferson, Colorado | 1 | $ 200,000 | $ 200,000 | $ 132,000 |
| Larimer, Colorado | 1 | $ 136,000 | $ 136,000 | $ 50,000 |
| Ouray, Colorado | 1 | $ 188,000 | $ 188,000 | $ 65,000 |
| Kent, Delaware | 1 | $ 212,000 | $ 212,000 | $ 110,000 |
| District of Columbia, District Of Columbia | 1 | $ 286,000 | $ 286,000 | $ 77,000 |
| Broward, Florida | 1 | $ 148,000 | $ 148,000 | $ 77,000 |
| Charlotte, Florida | 1 | $ 92,000 | $ 92,000 | $ 22,000 |
| Highlands, Florida | 1 | $ 258,000 | $ 258,000 | $ 174,000 |
| Hillsborough, Florida | 1 | $ 278,000 | $ 278,000 | $ 152,000 |
| Miami-Dade, Florida | 1 | $ 252,000 | $ 252,000 | $ 294,000 |
| Pinellas, Florida | 1 | $ 188,000 | $ 188,000 | $ 63,000 |
| Walton, Florida | 1 | $ 417,000 | $ 417,000 | $ 1,422,000 |
| Kauai, Hawaii | 1 | $ 330,000 | $ 330,000 | $ 92,000 |
| Ada, Idaho | 1 | $ 216,000 | $ 216,000 | $ 102,000 |
| Canyon, Idaho | 1 | $ 183,000 | $ 183,000 | $ 196,000 |
| DuPage, Illinois | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| McHenry, Illinois | 1 | $ 200,000 | $ 200,000 | $ 54,000 |
| Orleans, Louisiana | 1 | $ 410,000 | $ 410,000 | $ 431,000 |
| Kent, Maryland | 1 | $ 396,000 | $ 396,000 | $ 227,000 |
| Prince George's, Maryland | 1 | $ 301,000 | $ 301,000 | $ 195,000 |
| Livingston, Michigan | 1 | $ 361,000 | $ 361,000 | $ 92,000 |
| Macomb, Michigan | 1 | $ 148,000 | $ 148,000 | $ 97,000 |
| Monroe, Michigan | 1 | $ 104,000 | $ 104,000 | $ 67,000 |
| Carver, Minnesota | 1 | $ 224,000 | $ 224,000 | $ 139,000 |
| Dakota, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 255,000 |
| Hennepin, Minnesota | 1 | $ 375,000 | $ 375,000 | $ 202,000 |
| Washoe, Nevada | 1 | $ 404,000 | $ 404,000 | $ 462,000 |
| Hillsborough, New Hampshire | 1 | $ 141,000 | $ 141,000 | $ 52,000 |
| Merrimack, New Hampshire | 1 | $ 382,000 | $ 382,000 | $ 174,000 |
| Atlantic, New Jersey | 1 | $ 232,000 | $ 232,000 | $ 193,000 |
| Burlington, New Jersey | 1 | $ 153,000 | $ 153,000 | $ 138,000 |
| Gloucester, New Jersey | 1 | $ 214,000 | $ 214,000 | $ 84,000 |
| Morris, New Jersey | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Ocean, New Jersey | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Passaic, New Jersey | 1 | $ 386,000 | $ 386,000 | $ 115,000 |
| Salem, New Jersey | 1 | $ 96,000 | $ 96,000 | $ 45,000 |
| Somerset, New Jersey | 1 | $ 336,000 | $ 336,000 | $ 155,000 |
| Sussex, New Jersey | 1 | $ 267,000 | $ 267,000 | $ 191,000 |
| Warren, New Jersey | 1 | $ 227,000 | $ 227,000 | $ 72,000 |
| Bernalillo, New Mexico | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Luna, New Mexico | 1 | $ 221,000 | $ 221,000 | $ 306,000 |
| Kings, New York | 1 | $ 315,000 | $ 315,000 | $ 44,000 |
| Orange, New York | 1 | $ 283,000 | $ 283,000 | $ 126,000 |
| Rockland, New York | 1 | $ 315,000 | $ 315,000 | $ 109,000 |
| Mecklenburg, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Clackamas, Oregon | 1 | $ 360,000 | $ 360,000 | $ 309,000 |
| Clatsop, Oregon | 1 | $ 179,000 | $ 179,000 | $ 59,000 |
| Marion, Oregon | 1 | $ 182,000 | $ 182,000 | $ 97,000 |
| Tillamook, Oregon | 1 | $ 417,000 | $ 417,000 | $ 245,000 |
| Cumberland, Pennsylvania | 1 | $ 279,000 | $ 279,000 | $ 59,000 |
| Northampton, Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 69,000 |
| Washington, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Horry, South Carolina | 1 | $ 70,000 | $ 70,000 | $ 137,000 |
| Knox, Tennessee | 1 | $ 148,000 | $ 148,000 | $ 31,000 |
| Sevier, Tennessee | 1 | $ 348,000 | $ 348,000 | $ 239,000 |
| Wilson, Tennessee | 1 | $ 171,000 | $ 171,000 | $ 171,000 |
| Bexar, Texas | 1 | $ 400,000 | $ 400,000 | $ 166,000 |
| Colorado, Texas | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Galveston, Texas | 1 | $ 204,000 | $ 204,000 | $ 164,000 |
| Hood, Texas | 1 | $ 143,000 | $ 143,000 | $ 51,000 |
| Johnson, Texas | 1 | $ 225,000 | $ 225,000 | $ 154,000 |
| Kaufman, Texas | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| Montgomery, Texas | 1 | $ 301,000 | $ 301,000 | $ 135,000 |
| Alexandria, Virginia | 1 | $ 182,000 | $ 182,000 | $ 87,000 |
| Bedford, Virginia | 1 | $ 151,000 | $ 151,000 | $ 48,000 |
| Kitsap, Washington | 1 | $ 376,000 | $ 376,000 | $ 271,000 |
| Spokane, Washington | 1 | $ 138,000 | $ 138,000 | $ 128,000 |
| Outagamie, Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 212,000 |
Mortgage Loan Application Detail Totals for Bank of Manhattan in 2012
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 | 2,090 | $909,718,000 | $435,000 | $3,052,000 | $206,000 | $2,686,000 |
| Home Purchase | 598 | $258,301,000 | $431,000 | $3,000,000 | $187,000 | $1,683,000 |
| Home Improvement | 4 | $1,604,000 | $401,000 | $710,000 | $124,000 | $165,000 |
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 | 1,991 | $897,898,000 | $450,000 | $3,052,000 | $214,000 | $2,686,000 |
| Asian | 346 | $127,008,000 | $367,000 | $2,160,000 | $150,000 | $949,000 |
| Not Provided | 182 | $80,814,000 | $444,000 | $1,505,000 | $229,000 | $2,433,000 |
| Hispanic | 136 | $45,558,000 | $334,000 | $1,150,000 | $123,000 | $564,000 |
| Black or African American | 26 | $9,487,000 | $364,000 | $1,990,000 | $205,000 | $1,527,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,794,000 | $299,000 | $471,000 | $92,000 | $194,000 |
| Not applicable | 3 | $6,300,000 | $2,100,000 | $3,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $764,000 | $382,000 | $547,000 | $178,000 | $189,000 |
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) | 2,622 | $1,142,635,000 | $435,000 | $3,052,000 | $204,000 | $2,686,000 |
| FHA-insured (Federal Housing Administration) | 70 | $26,988,000 | $385,000 | $695,000 | $98,000 | $262,000 |
| 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 | 1,768 | $794,997,000 | $449,000 | $3,000,000 | $215,000 | $2,686,000 |
| Loan Purchased By The Institution | 352 | $84,139,000 | $239,000 | $624,000 | $122,000 | $1,200,000 |
| Application Withdrawn By Applicant | 351 | $178,899,000 | $509,000 | $3,052,000 | $210,000 | $2,126,000 |
| Application Denied By Financial Institution | 203 | $98,965,000 | $487,000 | $2,816,000 | $200,000 | $1,247,000 |
| File Closed For Incompleteness | 17 | $12,500,000 | $735,000 | $2,160,000 | $287,000 | $879,000 |
| Application Approved But Not Accepted | 1 | $123,000 | $123,000 | $123,000 | $182,000 | $182,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 114 | $55,942,000 | $490,000 | $2,816,000 | $198,000 | $1,125,000 |
| Debt-To-Income Ratio | 26 | $11,116,000 | $427,000 | $1,007,000 | $116,000 | $300,000 |
| Credit History | 16 | $6,635,000 | $414,000 | $1,587,000 | $130,000 | $488,000 |
| Credit Application Incomplete | 13 | $9,558,000 | $735,000 | $1,500,000 | $368,000 | $1,247,000 |
| Collateral | 11 | $4,698,000 | $427,000 | $900,000 | $366,000 | $1,114,000 |
| Unverifiable Information | 10 | $5,486,000 | $548,000 | $1,300,000 | $235,000 | $553,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $4,755,000 | $475,000 | $900,000 | $134,000 | $258,000 |
| Employment History | 3 | $775,000 | $258,000 | $296,000 | $152,000 | $185,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Manhattan's 2012 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 Bank of Manhattan'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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