Bank of Manhattan Mortgage Lending & HMDA Data, 2014
In 2014, Bank of Manhattan of El Segundo, CA reported 1,724 mortgage applications totaling $904.1 million, down 28% from 2013. The average application was for $524,436, and applicants reported an average income of $234,527. 71% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (713), Anaheim-Santa Ana-Irvine, CA (417) and San Diego-Carlsbad, CA (167) (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 | 1,724 |
| Total Mortgage Loan Application Amount | $904,129,000 |
| Average Mortgage Loan Application Amount | $524,436 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $234,527 |
| Highest Applicant Income | $6,299,000 |
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Act (HMDA) records Bank of Manhattan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 713 | $ 404,395,000 | $ 567,173 | $ 252,000 |
| Anaheim-Santa Ana-Irvine, CA | 417 | $ 243,400,000 | $ 583,693 | $ 233,000 |
| San Diego-Carlsbad, CA | 167 | $ 72,072,000 | $ 431,568 | $ 155,000 |
| Riverside-San Bernardino-Ontario, CA | 108 | $ 31,527,000 | $ 291,916 | $ 163,000 |
| Santa Maria-Santa Barbara, CA | 76 | $ 57,666,000 | $ 758,763 | $ 310,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 42 | $ 20,931,000 | $ 498,357 | $ 262,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 3,412,000 | $ 243,714 | $ 169,000 |
| Las Vegas-Henderson-Paradise, NV | 12 | $ 5,465,000 | $ 455,416 | $ 698,000 |
| Dallas-Plano-Irving, TX | 11 | $ 3,770,000 | $ 342,727 | $ 221,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 9 | $ 3,066,000 | $ 340,666 | $ 135,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,897,000 | $ 271,000 | $ 169,000 |
| Bakersfield, CA | 6 | $ 743,000 | $ 123,833 | $ 197,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 2,147,000 | $ 357,833 | $ 165,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 3,656,000 | $ 609,333 | $ 377,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 4,160,000 | $ 693,333 | $ 215,000 |
| Austin-Round Rock, TX | 5 | $ 1,537,000 | $ 307,400 | $ 192,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 5 | $ 2,695,000 | $ 539,000 | $ 207,000 |
| Kansas City, MO-KS | 4 | $ 705,000 | $ 176,250 | $ 133,500 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,283,000 | $ 320,750 | $ 274,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 334,000 | $ 111,333 | $ 108,000 |
| Salinas, CA | 3 | $ 1,305,000 | $ 435,000 | $ 456,000 |
| San Rafael, CA | 3 | $ 5,915,000 | $ 1,971,666 | $ 886,000 |
| Santa Rosa, CA | 3 | $ 1,424,000 | $ 474,666 | $ 209,000 |
| Tucson, AZ | 3 | $ 326,000 | $ 108,666 | $ 189,000 |
| Urban Honolulu, HI | 3 | $ 1,601,000 | $ 533,666 | $ 226,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 238,000 | $ 119,000 | $ 91,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 630,000 | $ 315,000 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 750,000 | $ 375,000 | $ 255,000 |
| Fresno, CA | 2 | $ 511,000 | $ 255,500 | $ 55,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 318,000 | $ 159,000 | $ 185,000 |
| Prescott, AZ | 2 | $ 693,000 | $ 346,500 | $ 125,000 |
| Stockton-Lodi, CA | 2 | $ 756,000 | $ 378,000 | $ 147,000 |
| Tacoma-Lakewood, WA | 2 | $ 691,000 | $ 345,500 | $ 106,000 |
| Tulsa, OK | 2 | $ 154,000 | $ 77,000 | $ 93,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 136,000 | $ 68,000 | $ 248,000 |
| Akron, OH | 1 | $ 239,000 | $ 239,000 | $ 73,000 |
| Boulder, CO | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 200,000 | $ 200,000 | $ 434,000 |
| Colorado Springs, CO | 1 | $ 380,000 | $ 380,000 | $ 172,000 |
| Columbus, OH | 1 | $ 77,000 | $ 77,000 | $ 198,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 256,000 | $ 256,000 | $ 90,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 128,000 | $ 128,000 | $ 63,000 |
| Dover, DE | 1 | $ 170,000 | $ 170,000 | $ 99,000 |
| Flagstaff, AZ | 1 | $ 340,000 | $ 340,000 | $ 204,000 |
| Gary, IN | 1 | $ 223,000 | $ 223,000 | $ 219,000 |
| Grants Pass, OR | 1 | $ 132,000 | $ 132,000 | $ 30,000 |
| Greeley, CO | 1 | $ 274,000 | $ 274,000 | $ 58,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 153,000 | $ 153,000 | $ 470,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 303,000 | $ 303,000 | $ 144,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 238,000 | $ 238,000 | $ 374,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 400,000 | $ 400,000 | $ 753,000 |
| Michigan City-La Porte, IN | 1 | $ 184,000 | $ 184,000 | $ 200,000 |
| Midland, TX | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 131,000 | $ 131,000 | $ 133,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 710,000 | $ 710,000 | $ 410,000 |
| Nassau County-Suffolk County, NY | 1 | $ 500,000 | $ 500,000 | $ 596,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,050,000 | $ 1,050,000 | $ 268,000 |
| Odessa, TX | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Ogden-Clearfield, UT | 1 | $ 125,000 | $ 125,000 | $ 143,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 140,000 | $ 140,000 | $ 124,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 124,000 | $ 124,000 | $ 84,000 |
| Providence-Warwick, RI-MA | 1 | $ 317,000 | $ 317,000 | $ 107,000 |
| Punta Gorda, FL | 1 | $ 292,000 | $ 292,000 | $ 295,000 |
| Reno, NV | 1 | $ 635,000 | $ 635,000 | $ 211,000 |
| San Antonio-New Braunfels, TX | 1 | $ 192,000 | $ 192,000 | $ 124,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 285,000 | $ 285,000 | $ 93,000 |
| St. Louis, MO-IL | 1 | $ 174,000 | $ 174,000 | $ 72,000 |
| Toledo, OH | 1 | $ 99,000 | $ 99,000 | $ 34,000 |
| Wilmington, DE-MD-NJ | 1 | $ 257,000 | $ 257,000 | $ 132,000 |
| Worcester, MA-CT | 1 | $ 213,000 | $ 213,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for Bank of Manhattan in 2014
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 | 909 | $481,544,000 | $529,000 | $3,000,000 | $235,000 | $5,073,000 |
| Refinancing | 815 | $422,585,000 | $518,000 | $4,000,000 | $234,000 | $6,299,000 |
| 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 | 1,039 | $584,735,000 | $562,000 | $4,000,000 | $250,000 | $2,944,000 |
| Not Provided | 347 | $182,370,000 | $525,000 | $3,900,000 | $258,000 | $5,073,000 |
| Asian | 153 | $70,669,000 | $461,000 | $2,000,000 | $178,000 | $902,000 |
| Hispanic | 134 | $48,065,000 | $358,000 | $2,000,000 | $119,000 | $953,000 |
| Black or African American | 25 | $8,490,000 | $339,000 | $807,000 | $388,000 | $6,299,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $4,939,000 | $379,000 | $630,000 | $124,000 | $172,000 |
| Not applicable | 10 | $3,281,000 | $328,000 | $900,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $1,580,000 | $526,000 | $916,000 | $311,000 | $662,000 |
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) | 1,579 | $846,258,000 | $535,000 | $4,000,000 | $247,000 | $6,299,000 |
| FHA-insured (Federal Housing Administration) | 84 | $30,216,000 | $359,000 | $636,000 | $105,000 | $286,000 |
| VA-guaranteed (Veterans Administration) | 61 | $27,655,000 | $453,000 | $1,000,000 | $98,000 | $281,000 |
| 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 | 1,231 | $618,797,000 | $502,000 | $3,000,000 | $222,000 | $6,299,000 |
| Application Withdrawn By Applicant | 242 | $141,326,000 | $583,000 | $4,000,000 | $280,000 | $2,944,000 |
| Application Denied By Financial Institution | 108 | $56,669,000 | $524,000 | $3,000,000 | $221,000 | $2,642,000 |
| Application Approved But Not Accepted | 98 | $64,489,000 | $658,000 | $2,400,000 | $328,000 | $5,073,000 |
| File Closed For Incompleteness | 33 | $16,425,000 | $497,000 | $1,120,000 | $163,000 | $998,000 |
| Preapproval Denied by Financial Institution | 10 | $5,743,000 | $574,000 | $1,530,000 | $156,000 | $490,000 |
| Preapproval Approved but not Accepted | 2 | $680,000 | $340,000 | $344,000 | $99,000 | $104,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 37 | $17,759,000 | $479,000 | $2,100,000 | $139,000 | $614,000 |
| Collateral | 27 | $10,400,000 | $385,000 | $1,100,000 | $241,000 | $1,239,000 |
| Credit History | 21 | $11,369,000 | $541,000 | $1,573,000 | $221,000 | $1,194,000 |
| Unverifiable Information | 15 | $11,657,000 | $777,000 | $3,000,000 | $268,000 | $1,377,000 |
| Other | 9 | $3,747,000 | $416,000 | $654,000 | $98,000 | $212,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $3,820,000 | $955,000 | $2,624,000 | $761,000 | $2,642,000 |
| Employment History | 3 | $2,577,000 | $859,000 | $2,000,000 | $303,000 | $783,000 |
| Credit Application Incomplete | 2 | $1,083,000 | $541,000 | $644,000 | $142,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Manhattan's 2014 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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