Bank One, NA Mortgage Lending & HMDA Data, 2003

In 2003, Bank One, NA of Utica, MI reported 491,492 mortgage applications totaling $39.7 billion. The average application was for $80,790, and applicants reported an average income of $67,474. 34% of its applications resulted in an originated loan and 38% were denied. Its largest markets were Chicago, IL (40,021), Phoenix-Mesa, AZ (24,847) and Detroit, MI (21,164) (applications in parentheses).

Mortgage Company & Address Bank One, NA
45303 Van Dyke Suite 9048
Utica, MI 48317
Tel #: available with data download
Federal Regulator * available with data download
Years 2003  
Total Number of Mortgage Applications 491,492
Total Mortgage Loan Application Amount $39,707,748,000
Average Mortgage Loan Application Amount $80,790
Highest Mortgage Loan Application Amount $30,000,000
Average Applicant Income $67,474
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank One, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bank One, NA by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 23,544 $ 2,141,967,000 $ 90,977 $ 49,000
Cook, Illinois 23,093 $ 2,477,654,000 $ 107,290 $ 68,000
Harris, Texas 13,770 $ 844,898,000 $ 61,357 $ 75,000
Dallas, Texas 13,037 $ 906,024,000 $ 69,496 $ 78,000
Wayne, Michigan 9,890 $ 676,144,000 $ 68,366 $ 53,000
Tarrant, Texas 9,347 $ 602,232,000 $ 64,430 $ 68,000
Marion, Indiana 7,169 $ 514,680,000 $ 71,792 $ 56,000
Franklin, Ohio 6,296 $ 577,702,000 $ 91,756 $ 57,000
DuPage, Illinois 5,600 $ 664,061,000 $ 118,582 $ 82,000
Oakland, Michigan 5,240 $ 624,998,000 $ 119,274 $ 79,000
Pima, Arizona 4,602 $ 326,826,000 $ 71,018 $ 58,000
Los Angeles, California 4,191 $ 559,284,000 $ 133,448 $ 116,000
Bexar, Texas 4,020 $ 207,438,000 $ 51,601 $ 60,000
Will, Illinois 3,935 $ 346,610,000 $ 88,083 $ 61,000
Montgomery, Ohio 3,750 $ 288,538,000 $ 76,943 $ 58,000
Kent, Michigan 3,744 $ 307,138,000 $ 82,034 $ 55,000
Genesee, Michigan 3,607 $ 239,786,000 $ 66,477 $ 54,000
Jefferson, Kentucky 3,547 $ 274,308,000 $ 77,335 $ 63,000
Lake, Indiana 3,409 $ 220,977,000 $ 64,821 $ 58,000
Oklahoma, Oklahoma 3,248 $ 211,367,000 $ 65,076 $ 61,000
Travis, Texas 3,091 $ 256,017,000 $ 82,826 $ 84,000
Macomb, Michigan 3,059 $ 274,926,000 $ 89,874 $ 62,000
Milwaukee, Wisconsin 2,992 $ 214,156,000 $ 71,576 $ 54,000
Collin, Texas 2,774 $ 236,757,000 $ 85,348 $ 85,000
Cuyahoga, Ohio 2,744 $ 239,610,000 $ 87,321 $ 71,000
Jefferson, Louisiana 2,725 $ 214,958,000 $ 78,883 $ 56,000
Kane, Illinois 2,717 $ 292,264,000 $ 107,568 $ 66,000
Denton, Texas 2,625 $ 199,225,000 $ 75,895 $ 106,000
East Baton Rouge, Louisiana 2,563 $ 205,721,000 $ 80,265 $ 77,000
Lake, Illinois 2,503 $ 315,747,000 $ 126,147 $ 93,000
Orleans, Louisiana 2,381 $ 192,648,000 $ 80,910 $ 68,000
Summit, Ohio 2,297 $ 178,992,000 $ 77,924 $ 58,000
Suffolk, New York 2,226 $ 182,749,000 $ 82,097 $ 85,000
Salt Lake, Utah 2,207 $ 192,040,000 $ 87,014 $ 67,000
Orange, California 2,123 $ 345,033,000 $ 162,521 $ 122,000
San Diego, California 2,077 $ 318,678,000 $ 153,431 $ 89,000
Stark, Ohio 1,933 $ 147,798,000 $ 76,460 $ 83,000
Fort Bend, Texas 1,842 $ 137,827,000 $ 74,824 $ 88,000
Fayette, Kentucky 1,819 $ 157,017,000 $ 86,320 $ 97,000
Riverside, California 1,817 $ 174,800,000 $ 96,202 $ 95,000
Tulsa, Oklahoma 1,790 $ 126,093,000 $ 70,443 $ 79,000
St. Tammany, Louisiana 1,703 $ 140,930,000 $ 82,753 $ 66,000
Allen, Indiana 1,698 $ 109,392,000 $ 64,424 $ 61,000
Hamilton, Ohio 1,654 $ 155,348,000 $ 93,922 $ 61,000
Winnebago, Illinois 1,645 $ 124,932,000 $ 75,946 $ 57,000
Trumbull, Ohio 1,587 $ 114,022,000 $ 71,847 $ 52,000
McHenry, Illinois 1,581 $ 159,648,000 $ 100,979 $ 73,000
Delaware, Ohio 1,434 $ 203,888,000 $ 142,181 $ 57,000
Kanawha, West Virginia 1,429 $ 99,300,000 $ 69,489 $ 84,000
St. Clair, Michigan 1,428 $ 115,413,000 $ 80,821 $ 63,000
Montgomery, Texas 1,408 $ 91,955,000 $ 65,308 $ 82,000
Waukesha, Wisconsin 1,404 $ 167,043,000 $ 118,976 $ 98,000
Calcasieu, Louisiana 1,391 $ 87,107,000 $ 62,621 $ 58,000
Nassau, New York 1,382 $ 131,168,000 $ 94,911 $ 104,000
Lafayette, Louisiana 1,346 $ 93,829,000 $ 69,709 $ 59,000
Licking, Ohio 1,309 $ 120,232,000 $ 91,850 $ 64,000
San Bernardino, California 1,308 $ 106,472,000 $ 81,400 $ 88,000
Clark, Nevada 1,307 $ 97,704,000 $ 74,754 $ 77,000
Pinal, Arizona 1,303 $ 92,379,000 $ 70,897 $ 47,000
El Paso, Colorado 1,302 $ 125,037,000 $ 96,034 $ 65,000
Mahoning, Ohio 1,299 $ 86,496,000 $ 66,586 $ 48,000
Broward, Florida 1,261 $ 87,156,000 $ 69,116 $ 80,000
Lake, Ohio 1,251 $ 106,721,000 $ 85,308 $ 58,000
Allen, Ohio 1,237 $ 91,952,000 $ 74,334 $ 62,000
Williamson, Texas 1,235 $ 86,892,000 $ 70,357 $ 77,000
Yavapai, Arizona 1,229 $ 109,842,000 $ 89,375 $ 76,000
Caddo, Louisiana 1,228 $ 81,740,000 $ 66,563 $ 78,000
Hamilton, Indiana 1,221 $ 158,201,000 $ 129,566 $ 86,000
Butler, Ohio 1,200 $ 113,680,000 $ 94,733 $ 64,000
Clark, Indiana 1,183 $ 81,301,000 $ 68,724 $ 58,000
Jefferson, Colorado 1,177 $ 113,941,000 $ 96,806 $ 70,000
Mohave, Arizona 1,170 $ 78,871,000 $ 67,411 $ 57,000
Porter, Indiana 1,162 $ 110,002,000 $ 94,666 $ 67,000
Elkhart, Indiana 1,159 $ 87,103,000 $ 75,153 $ 57,000
Jefferson, Texas 1,113 $ 61,057,000 $ 54,858 $ 56,000
Allegheny, Pennsylvania 1,106 $ 72,182,000 $ 65,264 $ 61,000
Ouachita, Louisiana 1,098 $ 69,214,000 $ 63,036 $ 54,000
Clermont, Ohio 1,097 $ 96,921,000 $ 88,350 $ 75,000
Middlesex, Massachusetts 1,086 $ 130,138,000 $ 119,832 $ 82,000
Palm Beach, Florida 1,083 $ 79,195,000 $ 73,125 $ 82,000
Ottawa, Michigan 1,079 $ 101,030,000 $ 93,632 $ 62,000
Arapahoe, Colorado 1,048 $ 107,986,000 $ 103,040 $ 71,000
Miami-Dade, Florida 1,036 $ 77,876,000 $ 75,169 $ 82,000
Adams, Colorado 1,032 $ 96,414,000 $ 93,424 $ 83,000
Cabell, West Virginia 1,032 $ 79,290,000 $ 76,831 $ 46,000
Saginaw, Michigan 1,010 $ 69,938,000 $ 69,245 $ 56,000
New Castle, Delaware 1,003 $ 95,327,000 $ 95,041 $ 48,000
Larimer, Colorado 1,001 $ 116,844,000 $ 116,727 $ 70,000
Sacramento, California 995 $ 75,878,000 $ 76,259 $ 79,000
Ocean, New Jersey 981 $ 68,084,000 $ 69,402 $ 81,000
Montgomery, Pennsylvania 980 $ 75,345,000 $ 76,882 $ 108,000
Raleigh, West Virginia 927 $ 59,651,000 $ 64,348 $ 61,000
Sangamon, Illinois 925 $ 55,509,000 $ 60,009 $ 55,000
Cleveland, Oklahoma 918 $ 63,460,000 $ 69,128 $ 67,000
Hardin, Kentucky 912 $ 76,614,000 $ 84,006 $ 65,000
Terrebonne, Louisiana 911 $ 55,097,000 $ 60,479 $ 53,000
Wichita, Texas 911 $ 55,334,000 $ 60,739 $ 60,000
Hancock, Ohio 904 $ 86,193,000 $ 95,346 $ 60,000
Middlesex, New Jersey 898 $ 76,056,000 $ 84,694 $ 93,000
Washtenaw, Michigan 897 $ 99,682,000 $ 111,128 $ 86,000
Philadelphia, Pennsylvania 895 $ 56,358,000 $ 62,969 $ 53,000
Fairfield, Ohio 893 $ 87,983,000 $ 98,525 $ 59,000
Queens, New York 888 $ 89,870,000 $ 101,204 $ 78,000
Tippecanoe, Indiana 881 $ 79,720,000 $ 90,488 $ 56,000
Kenosha, Wisconsin 879 $ 67,149,000 $ 76,392 $ 58,000
Denver, Colorado 869 $ 82,518,000 $ 94,957 $ 72,000
Fairfax, Virginia 863 $ 81,709,000 $ 94,680 $ 116,000
St. Louis, Missouri 862 $ 66,749,000 $ 77,435 $ 82,000
Berrien, Michigan 847 $ 72,911,000 $ 86,081 $ 60,000
Montgomery, Maryland 836 $ 89,516,000 $ 107,076 $ 109,000
Monmouth, New Jersey 834 $ 70,308,000 $ 84,302 $ 104,000
Rapides, Louisiana 824 $ 52,141,000 $ 63,277 $ 73,000
Boulder, Colorado 822 $ 109,835,000 $ 133,619 $ 86,000
Portage, Ohio 817 $ 71,011,000 $ 86,916 $ 70,000
Hartford, Connecticut 816 $ 57,494,000 $ 70,458 $ 77,000
Bucks, Pennsylvania 805 $ 62,484,000 $ 77,619 $ 80,000
Plymouth, Massachusetts 801 $ 96,271,000 $ 120,188 $ 84,000
Richland, Ohio 800 $ 57,994,000 $ 72,492 $ 58,000
Bergen, New Jersey 793 $ 72,280,000 $ 91,147 $ 112,000
Greene, Ohio 792 $ 74,045,000 $ 93,491 $ 75,000
Hendricks, Indiana 785 $ 67,052,000 $ 85,416 $ 50,000
Lapeer, Michigan 784 $ 71,506,000 $ 91,206 $ 58,000
Lorain, Ohio 781 $ 62,799,000 $ 80,408 $ 61,000
New Haven, Connecticut 776 $ 50,762,000 $ 65,414 $ 81,000
Monroe, Indiana 766 $ 66,338,000 $ 86,603 $ 63,000
Monroe, Michigan 763 $ 95,067,000 $ 124,596 $ 55,000
Brazoria, Texas 759 $ 50,394,000 $ 66,395 $ 82,000
King, Washington 758 $ 65,649,000 $ 86,608 $ 86,000
Daviess, Kentucky 757 $ 48,440,000 $ 63,989 $ 50,000
Grayson, Texas 748 $ 45,447,000 $ 60,758 $ 74,000
Weld, Colorado 740 $ 69,967,000 $ 94,550 $ 59,000
Galveston, Texas 738 $ 48,811,000 $ 66,139 $ 94,000
Fairfield, Connecticut 737 $ 77,381,000 $ 104,994 $ 141,000
Johnson, Indiana 737 $ 61,979,000 $ 84,096 $ 90,000
Warren, Ohio 726 $ 80,912,000 $ 111,449 $ 82,000
Burlington, New Jersey 725 $ 46,134,000 $ 63,633 $ 80,000
Wayne, Indiana 723 $ 46,552,000 $ 64,387 $ 40,000
Miami, Ohio 715 $ 60,690,000 $ 84,881 $ 57,000
Lafourche, Louisiana 713 $ 42,422,000 $ 59,497 $ 44,000
Yuma, Arizona 712 $ 43,416,000 $ 60,977 $ 43,000
Bristol, Massachusetts 701 $ 77,818,000 $ 111,009 $ 67,000
Norfolk, Massachusetts 694 $ 90,507,000 $ 130,413 $ 96,000
Cochise, Arizona 692 $ 41,771,000 $ 60,362 $ 47,000
Brown, Wisconsin 690 $ 58,957,000 $ 85,444 $ 69,000
Outagamie, Wisconsin 689 $ 61,324,000 $ 89,004 $ 61,000
Racine, Wisconsin 687 $ 51,493,000 $ 74,953 $ 60,000
Hidalgo, Texas 686 $ 35,449,000 $ 51,674 $ 70,000
Camden, New Jersey 685 $ 40,725,000 $ 59,452 $ 68,000
Santa Cruz, Arizona 681 $ 52,981,000 $ 77,798 $ 44,000
Worcester, Massachusetts 680 $ 54,657,000 $ 80,377 $ 76,000
Ventura, California 677 $ 101,000,000 $ 149,187 $ 115,000
Dane, Wisconsin 676 $ 68,217,000 $ 100,912 $ 105,000
Baltimore, Maryland 675 $ 53,302,000 $ 78,965 $ 105,000
Orange, Florida 674 $ 42,628,000 $ 63,246 $ 79,000
Contra Costa, California 672 $ 86,839,000 $ 129,224 $ 97,000
Westchester, New York 669 $ 66,630,000 $ 99,596 $ 127,000
Alameda, California 667 $ 95,340,000 $ 142,938 $ 114,000
Harrison, West Virginia 659 $ 41,606,000 $ 63,135 $ 53,000
Livingston, Michigan 658 $ 70,531,000 $ 107,189 $ 99,000
Hennepin, Minnesota 657 $ 49,745,000 $ 75,715 $ 75,000
Pinellas, Florida 652 $ 45,805,000 $ 70,253 $ 67,000
Tuscarawas, Ohio 651 $ 48,261,000 $ 74,133 $ 48,000
Santa Clara, California 650 $ 103,075,000 $ 158,576 $ 120,000
Chester, Pennsylvania 650 $ 59,691,000 $ 91,832 $ 86,000
Delaware, Indiana 647 $ 41,228,000 $ 63,721 $ 47,000
Shelby, Ohio 643 $ 53,103,000 $ 82,586 $ 66,000
Hillsborough, Florida 639 $ 39,116,000 $ 61,214 $ 76,000
Medina, Ohio 624 $ 58,357,000 $ 93,520 $ 66,000
Rock, Wisconsin 624 $ 49,237,000 $ 78,905 $ 58,000
Champaign, Illinois 619 $ 43,034,000 $ 69,521 $ 58,000
Providence, Rhode Island 618 $ 57,956,000 $ 93,779 $ 73,000
Essex, Massachusetts 617 $ 61,220,000 $ 99,222 $ 98,000
Anne Arundel, Maryland 616 $ 47,651,000 $ 77,355 $ 96,000
Prince George's, Maryland 603 $ 52,559,000 $ 87,162 $ 88,000
Richmond, New York 601 $ 47,376,000 $ 78,828 $ 84,000
El Paso, Texas 600 $ 30,099,000 $ 50,165 $ 65,000
Peoria, Illinois 593 $ 36,516,000 $ 61,578 $ 62,000
Kings, New York 589 $ 58,011,000 $ 98,490 $ 85,000
Kalamazoo, Michigan 585 $ 54,559,000 $ 93,263 $ 83,000
Morris, New Jersey 585 $ 51,125,000 $ 87,393 $ 112,000
Smith, Texas 583 $ 42,937,000 $ 73,648 $ 75,000
Gregg, Texas 581 $ 38,219,000 $ 65,781 $ 65,000
Winnebago, Wisconsin 579 $ 51,501,000 $ 88,948 $ 72,000
St. Bernard, Louisiana 578 $ 32,867,000 $ 56,863 $ 49,000
Utah, Utah 578 $ 51,221,000 $ 88,617 $ 64,000
Floyd, Indiana 576 $ 47,365,000 $ 82,230 $ 53,000
Erie, New York 570 $ 38,028,000 $ 66,715 $ 61,000
Roscommon, Michigan 564 $ 36,675,000 $ 65,026 $ 45,000
Bossier, Louisiana 563 $ 37,833,000 $ 67,198 $ 56,000
Delaware, Pennsylvania 562 $ 44,291,000 $ 78,809 $ 57,000
McLennan, Texas 560 $ 31,245,000 $ 55,794 $ 63,000
Muskegon, Michigan 559 $ 44,935,000 $ 80,384 $ 48,000
Ingham, Michigan 556 $ 44,231,000 $ 79,552 $ 67,000
Washington, Ohio 556 $ 41,788,000 $ 75,158 $ 55,000
Hunt, Texas 554 $ 31,872,000 $ 57,530 $ 63,000
Lee, Florida 549 $ 52,285,000 $ 95,236 $ 99,000
Douglas, Colorado 538 $ 58,706,000 $ 109,118 $ 103,000
Lucas, Ohio 534 $ 38,634,000 $ 72,348 $ 59,000
Midland, Texas 532 $ 26,705,000 $ 50,197 $ 72,000
Ector, Texas 531 $ 22,463,000 $ 42,303 $ 53,000
Auglaize, Ohio 528 $ 37,948,000 $ 71,871 $ 49,000
Marion, Ohio 526 $ 38,542,000 $ 73,273 $ 58,000
St. Joseph, Indiana 523 $ 37,928,000 $ 72,520 $ 82,000
Harrison, Indiana 519 $ 35,104,000 $ 67,637 $ 49,000
Coconino, Arizona 515 $ 49,572,000 $ 96,256 $ 76,000
Jackson, Missouri 510 $ 31,545,000 $ 61,852 $ 58,000
Gloucester, New Jersey 508 $ 30,446,000 $ 59,933 $ 73,000
Johnson, Texas 500 $ 31,740,000 $ 63,480 $ 83,000
Fresno, California 498 $ 33,824,000 $ 67,919 $ 69,000
Bell, Texas 498 $ 28,244,000 $ 56,714 $ 85,000
Fayette, West Virginia 498 $ 22,170,000 $ 44,518 $ 34,000
Washington, Wisconsin 489 $ 47,019,000 $ 96,153 $ 68,000
Grand Traverse, Michigan 488 $ 49,289,000 $ 101,002 $ 57,000
Wayne, West Virginia 487 $ 24,785,000 $ 50,893 $ 49,000
Kern, California 484 $ 28,407,000 $ 58,692 $ 75,000
Duval, Florida 484 $ 28,367,000 $ 58,609 $ 78,000
Columbiana, Ohio 483 $ 32,794,000 $ 67,896 $ 46,000
Muskingum, Ohio 483 $ 34,286,000 $ 70,985 $ 53,000
Ellis, Texas 483 $ 35,266,000 $ 73,014 $ 60,000
Madison, Kentucky 472 $ 35,928,000 $ 76,118 $ 52,000
Prince William, Virginia 472 $ 34,322,000 $ 72,716 $ 92,000
Orange, New York 465 $ 30,598,000 $ 65,802 $ 79,000
Taylor, Texas 464 $ 24,677,000 $ 53,183 $ 61,000
Essex, New Jersey 460 $ 37,564,000 $ 81,660 $ 77,000
McLean, Illinois 456 $ 33,354,000 $ 73,144 $ 65,000
Emmet, Michigan 452 $ 55,617,000 $ 123,046 $ 73,000
Wayne, Ohio 439 $ 36,834,000 $ 83,904 $ 58,000
St. Landry, Louisiana 435 $ 22,543,000 $ 51,822 $ 46,000
Harrison, Texas 432 $ 27,376,000 $ 63,370 $ 65,000
Sanilac, Michigan 431 $ 31,908,000 $ 74,032 $ 48,000
Monroe, New York 431 $ 20,181,000 $ 46,823 $ 66,000
Sarasota, Florida 430 $ 44,282,000 $ 102,981 $ 97,000
Gwinnett, Georgia 428 $ 29,265,000 $ 68,376 $ 83,000
LaPorte, Indiana 428 $ 40,651,000 $ 94,978 $ 64,000
Union, New Jersey 424 $ 36,991,000 $ 87,242 $ 92,000
Rock Island, Illinois 418 $ 26,884,000 $ 64,315 $ 50,000
Parker, Texas 418 $ 30,845,000 $ 73,791 $ 88,000
Brevard, Florida 416 $ 23,663,000 $ 56,882 $ 74,000
Geauga, Ohio 414 $ 51,088,000 $ 123,400 $ 86,000
Lubbock, Texas 414 $ 27,130,000 $ 65,531 $ 72,000
Cobb, Georgia 409 $ 29,664,000 $ 72,528 $ 80,000
Kenton, Kentucky 409 $ 33,797,000 $ 82,633 $ 72,000
York, Pennsylvania 409 $ 28,590,000 $ 69,902 $ 62,000
Johnson, Kansas 405 $ 31,941,000 $ 78,866 $ 79,000
Shelby, Indiana 404 $ 32,228,000 $ 79,772 $ 48,000
Hillsborough, New Hampshire 404 $ 26,315,000 $ 65,136 $ 87,000
Iberia, Louisiana 400 $ 23,967,000 $ 59,917 $ 50,000
San Joaquin, California 398 $ 32,935,000 $ 82,751 $ 84,000
Passaic, New Jersey 389 $ 29,570,000 $ 76,015 $ 81,000
Logan, West Virginia 386 $ 18,030,000 $ 46,709 $ 54,000
Fond du Lac, Wisconsin 384 $ 27,166,000 $ 70,744 $ 54,000
Navajo, Arizona 382 $ 33,340,000 $ 87,277 $ 61,000
St. Charles, Louisiana 382 $ 29,222,000 $ 76,497 $ 62,000
Nueces, Texas 379 $ 20,502,000 $ 54,094 $ 88,000
Jefferson, Alabama 371 $ 21,623,000 $ 58,283 $ 74,000
Frederick, Maryland 370 $ 30,572,000 $ 82,627 $ 80,000
Clark, Ohio 369 $ 28,324,000 $ 76,758 $ 75,000
San Mateo, California 366 $ 68,608,000 $ 187,453 $ 119,000
Bernalillo, New Mexico 366 $ 24,020,000 $ 65,628 $ 67,000
Athens, Ohio 364 $ 27,534,000 $ 75,642 $ 48,000
Pierce, Washington 363 $ 24,626,000 $ 67,840 $ 71,000
Mercer, New Jersey 362 $ 26,960,000 $ 74,475 $ 79,000
Hampden, Massachusetts 361 $ 20,787,000 $ 57,581 $ 81,000
Atlantic, New Jersey 361 $ 24,323,000 $ 67,376 $ 65,000
Fulton, Georgia 359 $ 32,301,000 $ 89,974 $ 110,000
Somerset, New Jersey 357 $ 31,674,000 $ 88,722 $ 101,000
Rockingham, New Hampshire 352 $ 26,656,000 $ 75,727 $ 88,000
Dutchess, New York 352 $ 27,143,000 $ 77,110 $ 99,000
Navarro, Texas 352 $ 22,699,000 $ 64,485 $ 49,000
Montgomery, Indiana 351 $ 24,861,000 $ 70,829 $ 60,000
Madison, Illinois 350 $ 26,631,000 $ 76,088 $ 61,000
Shiawassee, Michigan 348 $ 25,730,000 $ 73,936 $ 53,000
Livingston, Louisiana 346 $ 21,417,000 $ 61,898 $ 58,000
Tuscola, Michigan 346 $ 23,664,000 $ 68,393 $ 56,000
Davis, Utah 346 $ 33,516,000 $ 96,867 $ 75,000
Randall, Texas 345 $ 20,351,000 $ 58,988 $ 71,000
Hancock, Indiana 344 $ 30,148,000 $ 87,639 $ 59,000
Walworth, Wisconsin 343 $ 34,338,000 $ 100,110 $ 180,000
Kendall, Illinois 339 $ 34,397,000 $ 101,466 $ 69,000
St. Clair, Illinois 338 $ 25,276,000 $ 74,781 $ 60,000
Suffolk, Massachusetts 338 $ 37,979,000 $ 112,363 $ 82,000
St. Charles, Missouri 334 $ 26,736,000 $ 80,047 $ 78,000
Darke, Ohio 334 $ 27,454,000 $ 82,197 $ 51,000
Solano, California 331 $ 31,574,000 $ 95,389 $ 106,000
Tazewell, Illinois 330 $ 21,337,000 $ 64,657 $ 60,000
Rockwall, Texas 329 $ 26,750,000 $ 81,306 $ 88,000
Coshocton, Ohio 327 $ 22,093,000 $ 67,562 $ 46,000
Upshur, West Virginia 327 $ 15,339,000 $ 46,908 $ 35,000
Virginia Beach, Virginia 326 $ 19,429,000 $ 59,598 $ 77,000
Howard, Maryland 325 $ 34,832,000 $ 107,175 $ 100,000
Volusia, Florida 324 $ 18,718,000 $ 57,771 $ 56,000
Sedgwick, Kansas 323 $ 18,502,000 $ 57,281 $ 55,000
Washoe, Nevada 323 $ 22,790,000 $ 70,557 $ 95,000
Loudoun, Virginia 320 $ 24,864,000 $ 77,700 $ 96,000
Ascension, Louisiana 319 $ 22,384,000 $ 70,169 $ 55,000
Allegan, Michigan 319 $ 28,805,000 $ 90,297 $ 56,000
Collier, Florida 318 $ 40,602,000 $ 127,679 $ 154,000
Seminole, Florida 318 $ 19,981,000 $ 62,833 $ 55,000
Boone, Kentucky 315 $ 32,561,000 $ 103,368 $ 77,000
Preble, Ohio 315 $ 25,313,000 $ 80,358 $ 60,000
Ohio, West Virginia 315 $ 20,803,000 $ 66,041 $ 69,000
Stanislaus, California 314 $ 24,353,000 $ 77,557 $ 75,000
Union, Ohio 313 $ 28,646,000 $ 91,520 $ 66,000
Multnomah, Oregon 313 $ 21,511,000 $ 68,725 $ 78,000
Cameron, Texas 313 $ 16,794,000 $ 53,654 $ 66,000
New London, Connecticut 311 $ 22,201,000 $ 71,385 $ 86,000
Hays, Texas 310 $ 24,764,000 $ 79,883 $ 76,000
Belmont, Ohio 309 $ 16,037,000 $ 51,899 $ 48,000
DeKalb, Georgia 305 $ 21,096,000 $ 69,167 $ 104,000
Rockland, New York 305 $ 27,673,000 $ 90,731 $ 115,000
Westmoreland, Pennsylvania 304 $ 21,374,000 $ 70,309 $ 68,000
Snohomish, Washington 303 $ 20,793,000 $ 68,623 $ 80,000
Portage, Wisconsin 303 $ 23,838,000 $ 78,673 $ 83,000
Barnstable, Massachusetts 302 $ 33,463,000 $ 110,804 $ 76,000
Graham, Arizona 301 $ 18,437,000 $ 61,252 $ 67,000
Baltimore City, Maryland 300 $ 16,432,000 $ 54,773 $ 70,000
Polk, Florida 299 $ 17,278,000 $ 57,785 $ 55,000
Putnam, West Virginia 299 $ 22,394,000 $ 74,896 $ 56,000
Northampton, Pennsylvania 295 $ 18,788,000 $ 63,688 $ 77,000
Orange, Texas 295 $ 15,339,000 $ 51,996 $ 62,000
Lancaster, Pennsylvania 294 $ 19,224,000 $ 65,387 $ 93,000
Dodge, Wisconsin 292 $ 22,299,000 $ 76,366 $ 62,000
Pasco, Florida 291 $ 15,465,000 $ 53,144 $ 69,000
St. Louis City, Missouri 289 $ 17,837,000 $ 61,719 $ 49,000
Hudson, New Jersey 289 $ 25,624,000 $ 88,664 $ 85,000
Harford, Maryland 287 $ 21,233,000 $ 73,982 $ 99,000
Jefferson, Ohio 287 $ 15,748,000 $ 54,871 $ 46,000
Pickaway, Ohio 286 $ 25,826,000 $ 90,300 $ 52,000
Morgan, Indiana 284 $ 25,970,000 $ 91,443 $ 51,000
Bullitt, Kentucky 284 $ 20,577,000 $ 72,454 $ 47,000
Sussex, New Jersey 284 $ 20,069,000 $ 70,665 $ 83,000
Dakota, Minnesota 283 $ 19,610,000 $ 69,293 $ 76,000
Canadian, Oklahoma 283 $ 18,568,000 $ 65,611 $ 60,000
Calhoun, Michigan 280 $ 19,106,000 $ 68,235 $ 56,000
Kaufman, Texas 278 $ 19,743,000 $ 71,017 $ 67,000
Carroll, Maryland 276 $ 24,305,000 $ 88,061 $ 83,000
Berks, Pennsylvania 276 $ 17,200,000 $ 62,318 $ 67,000
Weber, Utah 274 $ 19,423,000 $ 70,886 $ 59,000
Campbell, Kentucky 272 $ 19,474,000 $ 71,595 $ 63,000
Chesterfield, Virginia 268 $ 17,621,000 $ 65,750 $ 66,000
Lawrence, Indiana 262 $ 17,087,000 $ 65,217 $ 45,000
Lehigh, Pennsylvania 262 $ 16,140,000 $ 61,603 $ 63,000
Washington, Oregon 258 $ 17,490,000 $ 67,790 $ 77,000
Shelby, Tennessee 258 $ 15,400,000 $ 59,689 $ 58,000
Charlevoix, Michigan 256 $ 24,996,000 $ 97,640 $ 65,000
Madison, Indiana 255 $ 19,296,000 $ 75,670 $ 48,000
Noble, Indiana 254 $ 16,684,000 $ 65,685 $ 62,000
Ashland, Ohio 254 $ 18,917,000 $ 74,476 $ 57,000
Luzerne, Pennsylvania 252 $ 16,841,000 $ 66,829 $ 61,000
Webb, Texas 251 $ 13,334,000 $ 53,123 $ 71,000
Sonoma, California 248 $ 30,350,000 $ 122,379 $ 89,000
Onondaga, New York 247 $ 11,265,000 $ 45,607 $ 68,000
Kent, Rhode Island 247 $ 21,839,000 $ 88,417 $ 85,000
Wood, West Virginia 243 $ 15,431,000 $ 63,502 $ 67,000
Beauregard, Louisiana 241 $ 14,325,000 $ 59,439 $ 60,000
Mercer, Ohio 241 $ 19,832,000 $ 82,290 $ 50,000
Placer, California 240 $ 21,125,000 $ 88,020 $ 83,000
Saratoga, New York 238 $ 14,241,000 $ 59,836 $ 76,000
Morrow, Ohio 238 $ 19,167,000 $ 80,533 $ 42,000
Potter, Texas 238 $ 10,406,000 $ 43,722 $ 43,000
Ashtabula, Ohio 237 $ 18,001,000 $ 75,953 $ 59,000
Ramsey, Minnesota 236 $ 16,170,000 $ 68,516 $ 60,000
Monroe, Pennsylvania 236 $ 16,041,000 $ 67,970 $ 76,000
Pulaski, Arkansas 233 $ 12,086,000 $ 51,871 $ 106,000
Jackson, Michigan 232 $ 15,942,000 $ 68,715 $ 56,000
Anoka, Minnesota 232 $ 16,330,000 $ 70,387 $ 68,000
Sussex, Delaware 230 $ 20,193,000 $ 87,795 $ 68,000
Henderson, Texas 230 $ 20,091,000 $ 87,352 $ 91,000
Van Buren, Michigan 229 $ 19,116,000 $ 83,475 $ 54,000
San Francisco, California 228 $ 45,071,000 $ 197,679 $ 118,000
Cass, Michigan 228 $ 19,569,000 $ 85,828 $ 50,000
Jessamine, Kentucky 227 $ 17,205,000 $ 75,792 $ 49,000
Manatee, Florida 225 $ 16,583,000 $ 73,702 $ 88,000
Scott, Indiana 224 $ 14,063,000 $ 62,781 $ 57,000
Oldham, Kentucky 219 $ 24,284,000 $ 110,885 $ 95,000
Hockley, Texas 218 $ 11,261,000 $ 51,655 $ 58,000
Jefferson, Missouri 216 $ 17,026,000 $ 78,824 $ 59,000
Douglas, Nebraska 215 $ 12,215,000 $ 56,813 $ 85,000
Butler, Pennsylvania 215 $ 15,643,000 $ 72,758 $ 60,000
Dauphin, Pennsylvania 214 $ 13,815,000 $ 64,556 $ 65,000
Litchfield, Connecticut 213 $ 13,514,000 $ 63,446 $ 79,000
St. Lucie, Florida 211 $ 14,079,000 $ 66,725 $ 80,000
Kalkaska, Michigan 211 $ 15,010,000 $ 71,137 $ 48,000
Mobile, Alabama 208 $ 11,781,000 $ 56,639 $ 64,000
Stafford, Virginia 208 $ 14,741,000 $ 70,870 $ 86,000
Bronx, New York 205 $ 18,102,000 $ 88,302 $ 82,000
Jefferson, Wisconsin 205 $ 18,625,000 $ 90,853 $ 61,000
Polk, Iowa 203 $ 11,714,000 $ 57,704 $ 81,000
Boone, Indiana 202 $ 25,704,000 $ 127,247 $ 87,000
St. John the Baptist, Louisiana 201 $ 14,191,000 $ 70,601 $ 54,000
Waupaca, Wisconsin 201 $ 15,985,000 $ 79,527 $ 56,000
Middlesex, Connecticut 200 $ 15,859,000 $ 79,295 $ 111,000
Washington, Pennsylvania 200 $ 13,158,000 $ 65,790 $ 60,000
St. Martin, Louisiana 197 $ 11,129,000 $ 56,492 $ 65,000
Bay, Michigan 197 $ 15,111,000 $ 76,705 $ 64,000
Clackamas, Oregon 197 $ 16,551,000 $ 84,015 $ 94,000
Spokane, Washington 197 $ 13,045,000 $ 66,218 $ 61,000
Albany, New York 196 $ 13,242,000 $ 67,561 $ 72,000
Tulare, California 194 $ 11,385,000 $ 58,685 $ 67,000
Cumberland, Maine 194 $ 11,938,000 $ 61,536 $ 67,000
Pueblo, Colorado 193 $ 13,347,000 $ 69,155 $ 53,000
Comal, Texas 193 $ 14,075,000 $ 72,927 $ 80,000
Gillespie, Texas 193 $ 15,863,000 $ 82,191 $ 84,000
Clark, Washington 193 $ 12,459,000 $ 64,554 $ 79,000
Ulster, New York 192 $ 12,915,000 $ 67,265 $ 63,000
Brown, Ohio 192 $ 15,526,000 $ 80,864 $ 52,000
Davidson, Tennessee 192 $ 15,633,000 $ 81,421 $ 62,000
Washington, Texas 192 $ 12,827,000 $ 66,807 $ 79,000
Lawrence, Ohio 191 $ 12,461,000 $ 65,240 $ 54,000
Whitley, Indiana 190 $ 12,920,000 $ 68,000 $ 67,000
Henrico, Virginia 190 $ 12,178,000 $ 64,094 $ 80,000
Washington, Rhode Island 189 $ 19,858,000 $ 105,068 $ 131,000
Gila, Arizona 188 $ 14,904,000 $ 79,276 $ 53,000
Warren, Kentucky 188 $ 16,385,000 $ 87,154 $ 55,000
Spotsylvania, Virginia 188 $ 12,483,000 $ 66,398 $ 79,000
Eaton, Michigan 186 $ 15,463,000 $ 83,134 $ 59,000
Marion, Florida 185 $ 10,039,000 $ 54,264 $ 61,000
Hardin, Texas 185 $ 11,224,000 $ 60,670 $ 55,000
Boone, Illinois 184 $ 21,243,000 $ 115,451 $ 78,000
Ada, Idaho 182 $ 11,384,000 $ 62,549 $ 66,000
Tolland, Connecticut 181 $ 10,172,000 $ 56,198 $ 91,000
Warren, New Jersey 181 $ 12,982,000 $ 71,723 $ 69,000
Chesapeake, Virginia 181 $ 10,810,000 $ 59,723 $ 77,000
Montcalm, Michigan 179 $ 12,293,000 $ 68,675 $ 50,000
Ozaukee, Wisconsin 179 $ 25,042,000 $ 139,899 $ 121,000
Knox, Tennessee 177 $ 12,855,000 $ 72,627 $ 59,000
Brazos, Texas 176 $ 10,013,000 $ 56,892 $ 95,000
Scott, Iowa 175 $ 12,399,000 $ 70,851 $ 61,000
Escambia, Florida 174 $ 12,373,000 $ 71,109 $ 104,000
Meade, Kentucky 174 $ 14,379,000 $ 82,637 $ 60,000
York, Maine 174 $ 12,450,000 $ 71,551 $ 71,000
Guadalupe, Texas 174 $ 11,141,000 $ 64,028 $ 81,000
Beaver, Pennsylvania 173 $ 12,773,000 $ 73,832 $ 53,000
Cumberland, Pennsylvania 173 $ 11,790,000 $ 68,150 $ 70,000
Berkeley, West Virginia 173 $ 10,223,000 $ 59,092 $ 56,000
Tangipahoa, Louisiana 172 $ 10,886,000 $ 63,290 $ 58,000
Bastrop, Texas 172 $ 11,720,000 $ 68,139 $ 63,000
Erie, Pennsylvania 171 $ 10,854,000 $ 63,473 $ 52,000
Boyle, Kentucky 170 $ 11,668,000 $ 68,635 $ 62,000
Knox, Ohio 170 $ 14,783,000 $ 86,958 $ 54,000
Madison, Ohio 169 $ 14,468,000 $ 85,609 $ 51,000
Santa Barbara, California 168 $ 16,559,000 $ 98,565 $ 89,000
DeKalb, Illinois 167 $ 11,866,000 $ 71,053 $ 62,000
Acadia, Louisiana 166 $ 8,134,000 $ 49,000 $ 47,000
Lincoln, Louisiana 166 $ 11,009,000 $ 66,319 $ 50,000
Charles, Maryland 165 $ 10,750,000 $ 65,151 $ 86,000
El Dorado, California 164 $ 15,669,000 $ 95,542 $ 111,000
Lake, Florida 164 $ 9,226,000 $ 56,256 $ 65,000
Monterey, California 163 $ 17,619,000 $ 108,092 $ 94,000
Greene, Missouri 163 $ 10,495,000 $ 64,386 $ 49,000
Hunterdon, New Jersey 163 $ 13,042,000 $ 80,012 $ 106,000
Oneida, New York 163 $ 7,592,000 $ 46,576 $ 54,000
Thurston, Washington 163 $ 11,362,000 $ 69,705 $ 65,000
Niagara, New York 161 $ 8,303,000 $ 51,571 $ 56,000
Wood, Ohio 161 $ 14,345,000 $ 89,099 $ 60,000
Shelby, Kentucky 157 $ 18,315,000 $ 116,656 $ 66,000
Cecil, Maryland 157 $ 11,367,000 $ 72,401 $ 53,000
Putnam, New York 156 $ 12,164,000 $ 77,974 $ 96,000
Rogers, Oklahoma 156 $ 11,255,000 $ 72,147 $ 79,000
Kitsap, Washington 156 $ 10,308,000 $ 66,076 $ 72,000
Kankakee, Illinois 154 $ 9,943,000 $ 64,564 $ 50,000
Wise, Texas 154 $ 11,632,000 $ 75,532 $ 68,000
Lenawee, Michigan 153 $ 12,619,000 $ 82,477 $ 71,000
Osceola, Florida 151 $ 8,792,000 $ 58,225 $ 54,000
Merrimack, New Hampshire 151 $ 10,046,000 $ 66,529 $ 63,000
Cumberland, New Jersey 150 $ 8,069,000 $ 53,793 $ 60,000
Logan, Ohio 149 $ 13,026,000 $ 87,422 $ 52,000
Langlade, Wisconsin 149 $ 10,100,000 $ 67,785 $ 60,000
Marin, California 147 $ 23,222,000 $ 157,972 $ 155,000
Lane, Oregon 147 $ 11,398,000 $ 77,537 $ 62,000
Lincoln, West Virginia 147 $ 6,158,000 $ 41,891 $ 40,000
Rensselaer, New York 146 $ 9,220,000 $ 63,150 $ 103,000
San Luis Obispo, California 145 $ 15,147,000 $ 104,462 $ 76,000
Barry, Michigan 145 $ 12,483,000 $ 86,089 $ 49,000
St. Louis, Minnesota 145 $ 8,819,000 $ 60,820 $ 59,000
Marathon, Wisconsin 145 $ 10,340,000 $ 71,310 $ 60,000
Leelanau, Michigan 144 $ 22,057,000 $ 153,173 $ 106,000
Boone, West Virginia 144 $ 7,029,000 $ 48,812 $ 45,000
Kosciusko, Indiana 143 $ 11,376,000 $ 79,552 $ 74,000
Clay, Missouri 143 $ 10,485,000 $ 73,321 $ 74,000
Washington, Maryland 142 $ 9,187,000 $ 64,697 $ 65,000
Cape May, New Jersey 142 $ 11,804,000 $ 83,126 $ 68,000
Merced, California 141 $ 10,181,000 $ 72,205 $ 69,000
Shasta, California 141 $ 8,685,000 $ 61,595 $ 60,000
Cherokee, Georgia 141 $ 9,932,000 $ 70,439 $ 80,000
Erie, Ohio 141 $ 10,068,000 $ 71,404 $ 68,000
Wagoner, Oklahoma 139 $ 10,075,000 $ 72,482 $ 58,000
Liberty, Texas 139 $ 7,106,000 $ 51,122 $ 57,000
Vermilion, Louisiana 138 $ 7,413,000 $ 53,717 $ 59,000
Lackawanna, Pennsylvania 138 $ 8,746,000 $ 63,376 $ 69,000
Antrim, Michigan 136 $ 14,477,000 $ 106,448 $ 55,000
La Paz, Arizona 134 $ 9,474,000 $ 70,701 $ 53,000
Mesa, Colorado 134 $ 7,837,000 $ 58,485 $ 64,000
Kent, Delaware 134 $ 8,742,000 $ 65,238 $ 59,000
Newaygo, Michigan 133 $ 9,912,000 $ 74,526 $ 59,000
Washington, Minnesota 133 $ 10,252,000 $ 77,082 $ 82,000
Schenectady, New York 132 $ 7,622,000 $ 57,742 $ 64,000
Mingo, West Virginia 132 $ 6,025,000 $ 45,643 $ 47,000
Windham, Connecticut 131 $ 7,788,000 $ 59,450 $ 80,000
Clay, Florida 131 $ 7,399,000 $ 56,480 $ 73,000
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Mortgage Loan Application Detail Totals for Bank One, NA 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) 420,833 $35,230,275,000 $80,566 $9,600,000 $73,679 $9,999,000
Home Improvement (one-to-four family) 49,492 $1,866,504,000 $38,591 $10,000,000 $79,653 $9,999,000
Home Purchase (one-to-four family) 21,065 $2,521,870,000 $145,857 $3,150,000 $100,632 $9,860,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 102 $89,099,000 $1,101,769 $30,000,000 $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 328,445 $27,904,399,000 $81,788 $9,000,000 $79,115 $9,999,000
Information not provided by applicant in mail or telephone application 55,843 $3,835,610,000 $66,773 $9,000,000 $73,264 $6,270,000
Hispanic 47,229 $3,224,675,000 $69,941 $8,500,000 $61,333 $7,488,000
Black 40,327 $2,707,529,000 $75,291 $9,600,000 $60,104 $9,999,000
Asian or Pacific Islander 12,840 $1,343,839,000 $106,823 $2,128,000 $80,941 $5,761,000
Other 4,383 $428,587,000 $87,478 $3,000,000 $77,260 $5,261,000
American Indian or Alaskan Native 2,203 $166,507,000 $72,708 $10,000,000 $69,770 $9,999,000
Not applicable 222 $96,602,000 $358,105 $30,000,000 $74,894 $4,689,000

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) 487,044 $39,241,497,000 $78,339 $30,000,000 $76,226 $9,999,000
FHA-insured (Federal Housing Administration) 3,497 $357,024,000 $108,421 $842,000 $27,421 $826,000
VA-guaranteed (Veterans Administration) 951 $109,227,000 $118,090 $288,000 $34,727 $290,000
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
Application Denied By Financial Institution 185,319 $13,287,784,000 $72,603 $30,000,000 $65,509 $9,999,000
Loan Originated 166,382 $15,245,116,000 $101,192 $15,300,000 $101,403 $9,999,000
Application Approved But Not Accepted 123,232 $9,100,598,000 $70,294 $4,480,000 $79,274 $9,999,000
Application Withdrawn By Applicant 7,837 $1,121,194,000 $131,244 $3,150,000 $60,142 $2,366,000
Loan Purchased By The Institution 7,315 $718,275,000 $83,200 $2,400,000 $47,266 $4,689,000
File Closed For Incompleteness 1,407 $234,781,000 $170,195 $1,550,000 $54,219 $6,815,000

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 History 58,366 $3,522,203,000 $61,588 $10,000,000 $63,215 $9,999,000
Collateral 40,578 $2,596,994,000 $69,098 $9,000,000 $76,901 $9,999,000
Debt-To-Income Ratio 37,487 $2,871,993,000 $76,769 $2,110,000 $43,653 $1,800,000
Credit Application Incomplete 32,818 $2,916,439,000 $91,020 $9,600,000 $74,775 $6,798,000
Other 14,363 $1,197,472,000 $76,528 $30,000,000 $76,792 $6,600,000
Unverifiable Information 1,502 $144,237,000 $93,021 $1,000,000 $66,319 $1,328,000
Employment History 123 $11,662,000 $95,290 $380,000 $86,419 $1,000,000
Insufficient Cash (Downpayment, Closing Cost) 82 $26,784,000 $365,750 $15,000,000 $79,950 $461,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank One, NA'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 Bank One, NA'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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