Bank of Manhattan Mortgage Lending & HMDA Data, 2013
In 2013, Bank of Manhattan of El Segundo, CA reported 2,399 mortgage applications totaling $1.3 billion, down 11% from 2012. The average application was for $554,175, and applicants reported an average income of $233,811. 62% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,033), Santa Ana-Anaheim-Irvine, CA (491) and San Diego-Carlsbad-San Marcos, CA (173) (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 | 2,399 |
| Total Mortgage Loan Application Amount | $1,329,467,000 |
| Average Mortgage Loan Application Amount | $554,175 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $233,811 |
| Highest Applicant Income | $7,567,000 |
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Act (HMDA) records Bank of Manhattan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,033 | $ 671,617,000 | $ 650,161 | $ 253,000 |
| Santa Ana-Anaheim-Irvine, CA | 491 | $ 289,467,000 | $ 589,545 | $ 237,000 |
| San Diego-Carlsbad-San Marcos, CA | 173 | $ 79,521,000 | $ 459,658 | $ 175,000 |
| Phoenix-Mesa-Glendale, AZ | 147 | $ 30,716,000 | $ 208,952 | $ 122,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 126 | $ 102,037,000 | $ 809,817 | $ 282,000 |
| Riverside-San Bernardino-Ontario, CA | 85 | $ 22,725,000 | $ 267,352 | $ 166,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 44 | $ 18,462,000 | $ 419,590 | $ 155,000 |
| San Francisco-San Mateo-Redwood City, CA | 29 | $ 19,186,000 | $ 661,586 | $ 337,000 |
| Las Vegas-Paradise, NV | 19 | $ 3,206,000 | $ 168,736 | $ 171,000 |
| Oakland-Fremont-Hayward, CA | 17 | $ 10,604,000 | $ 623,764 | $ 262,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 13 | $ 3,533,000 | $ 271,769 | $ 152,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 2,679,000 | $ 223,250 | $ 89,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 12 | $ 7,603,000 | $ 633,583 | $ 217,000 |
| Dallas-Plano-Irving, TX | 10 | $ 4,549,000 | $ 454,900 | $ 1,656,000 |
| Boston-Quincy, MA | 9 | $ 2,335,000 | $ 259,444 | $ 124,000 |
| Chicago-Joliet-Naperville, IL | 8 | $ 1,883,000 | $ 235,375 | $ 142,000 |
| Honolulu, HI | 8 | $ 2,924,000 | $ 365,500 | $ 82,000 |
| Santa Rosa-Petaluma, CA | 8 | $ 3,937,000 | $ 492,125 | $ 201,000 |
| Denver-Aurora-Broomfield, CO | 7 | $ 4,168,000 | $ 595,428 | $ 173,000 |
| Prescott, AZ | 6 | $ 691,000 | $ 115,166 | $ 81,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 3,195,000 | $ 532,500 | $ 357,000 |
| Tucson, AZ | 6 | $ 1,093,000 | $ 182,166 | $ 121,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,787,000 | $ 357,400 | $ 163,000 |
| Worcester, MA | 5 | $ 1,153,000 | $ 230,600 | $ 85,000 |
| Edison-New Brunswick, NJ | 4 | $ 909,000 | $ 227,250 | $ 157,000 |
| Fort Worth-Arlington, TX | 4 | $ 315,000 | $ 78,750 | $ 213,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 3,125,000 | $ 781,250 | $ 1,023,000 |
| Peabody, MA | 4 | $ 730,000 | $ 182,500 | $ 83,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,184,000 | $ 296,000 | $ 97,000 |
| Bakersfield-Delano, CA | 3 | $ 599,000 | $ 199,666 | $ 213,000 |
| Fresno, CA | 3 | $ 792,000 | $ 264,000 | $ 193,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 279,000 | $ 139,500 | $ 87,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 282,000 | $ 141,000 | $ 178,000 |
| Chico, CA | 2 | $ 828,000 | $ 414,000 | $ 228,000 |
| Coeur D'Alene, ID | 2 | $ 495,000 | $ 247,500 | $ 103,000 |
| Greeley, CO | 2 | $ 498,000 | $ 249,000 | $ 122,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 419,000 | $ 209,500 | $ 75,000 |
| Lansing-East Lansing, MI | 2 | $ 409,000 | $ 204,500 | $ 104,000 |
| Manchester-Nashua, NH | 2 | $ 504,000 | $ 252,000 | $ 103,000 |
| Nassau-Suffolk, NY | 2 | $ 977,000 | $ 488,500 | $ 111,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 849,000 | $ 424,500 | $ 83,000 |
| Raleigh-Cary, NC | 2 | $ 479,000 | $ 239,500 | $ 103,000 |
| Salinas, CA | 2 | $ 2,045,000 | $ 1,022,500 | $ 190,000 |
| San Antonio-New Braunfels, TX | 2 | $ 192,000 | $ 96,000 | $ 123,000 |
| St. George, UT | 2 | $ 792,000 | $ 396,000 | $ 85,000 |
| Stockton, CA | 2 | $ 449,000 | $ 224,500 | $ 213,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 993,000 | $ 496,500 | $ 334,000 |
| Baltimore-Towson, MD | 1 | $ 363,000 | $ 363,000 | $ 157,000 |
| Barnstable Town, MA | 1 | $ 248,000 | $ 248,000 | $ 149,000 |
| Bend, OR | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
| Camden, NJ | 1 | $ 300,000 | $ 300,000 | $ 143,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 70,000 | $ 70,000 | $ 122,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Columbia, SC | 1 | $ 158,000 | $ 158,000 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 68,000 | $ 68,000 | $ 64,000 |
| El Centro, CA | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Harrisburg-Carlisle, PA | 1 | $ 630,000 | $ 630,000 | $ 476,000 |
| Jackson, MS | 1 | $ 144,000 | $ 144,000 | $ 27,000 |
| Jacksonville, FL | 1 | $ 752,000 | $ 752,000 | $ 250,000 |
| Kansas City, MO-KS | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 339,000 | $ 339,000 | $ 156,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 123,000 | $ 123,000 | $ 102,000 |
| Las Cruces, NM | 1 | $ 185,000 | $ 185,000 | $ 127,000 |
| Lawton, OK | 1 | $ 85,000 | $ 85,000 | $ 156,000 |
| Manhattan, KS | 1 | $ 150,000 | $ 150,000 | $ 173,000 |
| Midland, TX | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 769,000 | $ 769,000 | $ 348,000 |
| Modesto, CA | 1 | $ 417,000 | $ 417,000 | $ 782,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Naples-Marco Island, FL | 1 | $ 1,200,000 | $ 1,200,000 | $ 725,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 204,000 | $ 204,000 | $ 464,000 |
| Oklahoma City, OK | 1 | $ 42,000 | $ 42,000 | $ 338,000 |
| Olympia, WA | 1 | $ 170,000 | $ 170,000 | $ 54,000 |
| Philadelphia, PA | 1 | $ 391,000 | $ 391,000 | $ 189,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Reno-Sparks, NV | 1 | $ 328,000 | $ 328,000 | $ 254,000 |
| Salt Lake City, UT | 1 | $ 412,000 | $ 412,000 | $ 174,000 |
| Sebastian-Vero Beach, FL | 1 | $ 261,000 | $ 261,000 | $ 77,000 |
| Spokane, WA | 1 | $ 107,000 | $ 107,000 | $ 87,000 |
| Springfield, MA | 1 | $ 161,000 | $ 161,000 | $ 59,000 |
| Tacoma, WA | 1 | $ 506,000 | $ 506,000 | $ 162,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 126,000 | $ 126,000 | $ 62,000 |
| Tulsa, OK | 1 | $ 74,000 | $ 74,000 | $ 107,000 |
| Vallejo-Fairfield, CA | 1 | $ 183,000 | $ 183,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Bank of Manhattan in 2013
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 | 1,450 | $796,028,000 | $548,000 | $5,000,000 | $238,000 | $6,930,000 |
| Home Purchase | 928 | $525,129,000 | $565,000 | $10,000,000 | $230,000 | $7,567,000 |
| Home Improvement | 21 | $8,310,000 | $395,000 | $975,000 | $113,000 | $303,000 |
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 | 1,812 | $1,054,240,000 | $581,000 | $10,000,000 | $234,000 | $4,975,000 |
| Asian | 273 | $119,296,000 | $436,000 | $2,160,000 | $166,000 | $1,822,000 |
| Not Provided | 166 | $89,222,000 | $537,000 | $2,232,000 | $244,000 | $1,562,000 |
| Hispanic | 98 | $33,606,000 | $342,000 | $2,135,000 | $123,000 | $1,841,000 |
| Black or African American | 30 | $19,461,000 | $648,000 | $3,000,000 | $959,000 | $7,567,000 |
| Not applicable | 9 | $6,500,000 | $722,000 | $4,000,000 | $1,022,000 | $4,600,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $5,711,000 | $713,000 | $1,200,000 | $124,000 | $262,000 |
| American Indian or Alaskan Native | 3 | $1,431,000 | $477,000 | $560,000 | $156,000 | $182,000 |
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) | 2,324 | $1,299,719,000 | $559,000 | $10,000,000 | $238,000 | $7,567,000 |
| FHA-insured (Federal Housing Administration) | 70 | $27,693,000 | $395,000 | $730,000 | $105,000 | $281,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,055,000 | $411,000 | $555,000 | $91,000 | $161,000 |
| 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 | 1,495 | $813,175,000 | $543,000 | $4,070,000 | $239,000 | $7,567,000 |
| Application Withdrawn By Applicant | 341 | $238,805,000 | $700,000 | $10,000,000 | $261,000 | $3,250,000 |
| Loan Purchased By The Institution | 226 | $50,766,000 | $224,000 | $4,000,000 | $154,000 | $4,600,000 |
| Application Denied By Financial Institution | 181 | $123,638,000 | $683,000 | $5,000,000 | $212,000 | $1,153,000 |
| Application Approved But Not Accepted | 112 | $67,858,000 | $605,000 | $2,135,000 | $250,000 | $1,841,000 |
| File Closed For Incompleteness | 44 | $35,225,000 | $800,000 | $3,500,000 | $342,000 | $2,089,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 57 | $34,087,000 | $598,000 | $2,000,000 | $228,000 | $865,000 |
| Debt-To-Income Ratio | 56 | $42,829,000 | $764,000 | $5,000,000 | $173,000 | $966,000 |
| Credit History | 28 | $20,590,000 | $735,000 | $1,750,000 | $244,000 | $849,000 |
| Other | 27 | $17,313,000 | $641,000 | $1,912,000 | $240,000 | $1,153,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $6,001,000 | $857,000 | $1,960,000 | $205,000 | $411,000 |
| Employment History | 4 | $2,312,000 | $578,000 | $1,070,000 | $222,000 | $487,000 |
| Unverifiable Information | 2 | $506,000 | $253,000 | $386,000 | $50,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Manhattan's 2013 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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