Charter One Bank Mortgage Lending & HMDA Data, 2006

In 2006, Charter One Bank of Cleveland, OH reported 57,463 mortgage applications totaling $5.2 billion, up 92% from 2005. The average application was for $91,010, and applicants reported an average income of $75,097. 34% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (6,643), Cleveland-Elyria-Mentor, OH (4,630) and Warren-Troy-Farmington Hills, MI (4,386) (applications in parentheses).

Mortgage Company & Address Charter One Bank
1215 Superior Ave
Cleveland, OH 44114
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 57,463
Total Mortgage Loan Application Amount $5,229,757,000
Average Mortgage Loan Application Amount $91,010
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $75,097
Highest Applicant Income $9,452,000

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Act (HMDA) records Charter One Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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

Mortgage Loan Application Totals for Charter One Bank by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 4,770 $ 406,577,000 $ 85,236 $ 71,000
Wayne, Michigan 4,097 $ 187,801,000 $ 45,838 $ 63,000
Cuyahoga, Ohio 3,207 $ 180,601,000 $ 56,314 $ 67,000
Oakland, Michigan 2,053 $ 144,686,000 $ 70,475 $ 97,000
Macomb, Michigan 1,894 $ 117,883,000 $ 62,240 $ 75,000
Lucas, Ohio 1,825 $ 85,625,000 $ 46,917 $ 57,000
Marion, Indiana 1,732 $ 69,730,000 $ 40,259 $ 53,000
Summit, Ohio 1,275 $ 73,983,000 $ 58,025 $ 71,000
Stark, Ohio 1,030 $ 54,912,000 $ 53,312 $ 59,000
DuPage, Illinois 844 $ 76,132,000 $ 90,203 $ 102,000
Los Angeles, California 583 $ 134,436,000 $ 230,593 $ 91,000
Lake, Ohio 573 $ 32,816,000 $ 57,270 $ 75,000
Franklin, Ohio 568 $ 47,004,000 $ 82,753 $ 64,000
Will, Illinois 561 $ 46,776,000 $ 83,379 $ 94,000
Maricopa, Arizona 458 $ 57,188,000 $ 124,864 $ 72,000
Hamilton, Indiana 432 $ 32,192,000 $ 74,518 $ 98,000
Monroe, New York 431 $ 37,994,000 $ 88,153 $ 72,000
Lorain, Ohio 354 $ 24,989,000 $ 70,590 $ 69,000
Orange, California 312 $ 71,996,000 $ 230,756 $ 97,000
Mecklenburg, North Carolina 307 $ 39,647,000 $ 129,143 $ 87,000
Suffolk, New York 296 $ 42,291,000 $ 142,875 $ 86,000
Allegheny, Pennsylvania 295 $ 18,431,000 $ 62,477 $ 57,000
Medina, Ohio 288 $ 21,264,000 $ 73,833 $ 78,000
Livingston, Michigan 282 $ 21,009,000 $ 74,500 $ 103,000
Washtenaw, Michigan 278 $ 22,757,000 $ 81,859 $ 82,000
San Diego, California 271 $ 50,513,000 $ 186,394 $ 68,000
Mahoning, Ohio 271 $ 12,926,000 $ 47,697 $ 65,000
Hendricks, Indiana 264 $ 13,710,000 $ 51,931 $ 68,000
Kalamazoo, Michigan 258 $ 14,358,000 $ 55,651 $ 84,000
Erie, New York 249 $ 20,009,000 $ 80,357 $ 67,000
Wood, Ohio 247 $ 18,605,000 $ 75,323 $ 74,000
Portage, Ohio 245 $ 17,363,000 $ 70,869 $ 68,000
Monroe, Michigan 241 $ 13,239,000 $ 54,933 $ 74,000
Kane, Illinois 237 $ 18,312,000 $ 77,265 $ 90,000
Lake, Illinois 237 $ 31,518,000 $ 132,987 $ 129,000
Hamilton, Ohio 233 $ 25,486,000 $ 109,381 $ 60,000
Montgomery, Pennsylvania 229 $ 24,231,000 $ 105,812 $ 112,000
Scioto, Ohio 224 $ 6,519,000 $ 29,102 $ 47,000
King, Washington 221 $ 41,008,000 $ 185,556 $ 100,000
Philadelphia, Pennsylvania 218 $ 21,152,000 $ 97,027 $ 51,000
Middlesex, Massachusetts 213 $ 29,872,000 $ 140,244 $ 111,000
Geauga, Ohio 208 $ 15,604,000 $ 75,019 $ 86,000
Fairfax, Virginia 201 $ 30,512,000 $ 151,800 $ 130,000
Riverside, California 200 $ 29,278,000 $ 146,390 $ 73,000
San Bernardino, California 195 $ 22,710,000 $ 116,461 $ 86,000
Trumbull, Ohio 195 $ 10,431,000 $ 53,492 $ 61,000
Nassau, New York 190 $ 35,269,000 $ 185,626 $ 80,000
Baltimore, Maryland 178 $ 21,369,000 $ 120,050 $ 77,000
Montgomery, Maryland 176 $ 29,523,000 $ 167,744 $ 111,000
Tippecanoe, Indiana 171 $ 8,470,000 $ 49,532 $ 58,000
Shiawassee, Michigan 171 $ 7,835,000 $ 45,818 $ 63,000
Kent, Michigan 168 $ 16,893,000 $ 100,553 $ 69,000
Clark, Nevada 166 $ 20,535,000 $ 123,704 $ 58,000
Ingham, Michigan 165 $ 8,254,000 $ 50,024 $ 87,000
Allen, Indiana 164 $ 3,599,000 $ 21,945 $ 45,000
Madison, Indiana 156 $ 3,815,000 $ 24,455 $ 38,000
Anne Arundel, Maryland 154 $ 21,624,000 $ 140,415 $ 92,000
Bucks, Pennsylvania 153 $ 17,266,000 $ 112,849 $ 101,000
Pima, Arizona 151 $ 14,262,000 $ 94,450 $ 67,000
Johnson, Indiana 150 $ 9,405,000 $ 62,700 $ 70,000
Saratoga, New York 150 $ 18,026,000 $ 120,173 $ 85,000
Montgomery, Ohio 149 $ 13,521,000 $ 90,744 $ 63,000
Chester, Pennsylvania 146 $ 13,311,000 $ 91,171 $ 118,000
Delaware, Pennsylvania 145 $ 13,926,000 $ 96,041 $ 101,000
Broward, Florida 144 $ 24,920,000 $ 173,055 $ 73,000
Bergen, New Jersey 143 $ 16,973,000 $ 118,692 $ 106,000
McHenry, Illinois 139 $ 13,727,000 $ 98,755 $ 104,000
Albany, New York 139 $ 16,087,000 $ 115,733 $ 79,000
Santa Clara, California 138 $ 30,114,000 $ 218,217 $ 93,000
Columbiana, Ohio 137 $ 7,016,000 $ 51,211 $ 62,000
Norfolk, Massachusetts 134 $ 19,130,000 $ 142,761 $ 145,000
Butler, Ohio 134 $ 15,835,000 $ 118,171 $ 70,000
Burlington, New Jersey 130 $ 11,650,000 $ 89,615 $ 108,000
Suffolk, Massachusetts 127 $ 13,915,000 $ 109,566 $ 77,000
Middlesex, New Jersey 126 $ 10,961,000 $ 86,992 $ 99,000
Fulton, Georgia 124 $ 22,908,000 $ 184,741 $ 86,000
Hennepin, Minnesota 122 $ 12,972,000 $ 106,327 $ 95,000
Lake, Indiana 120 $ 7,123,000 $ 59,358 $ 63,000
Onondaga, New York 119 $ 10,572,000 $ 88,840 $ 84,000
Genesee, Michigan 117 $ 8,548,000 $ 73,059 $ 83,000
Palm Beach, Florida 115 $ 22,608,000 $ 196,591 $ 72,000
Cobb, Georgia 113 $ 12,770,000 $ 113,008 $ 74,000
Allegan, Michigan 112 $ 7,748,000 $ 69,178 $ 81,000
Monmouth, New Jersey 112 $ 13,454,000 $ 120,125 $ 110,000
Jackson, Michigan 111 $ 6,314,000 $ 56,882 $ 50,000
Fairfield, Connecticut 107 $ 16,230,000 $ 151,682 $ 176,000
Hartford, Connecticut 107 $ 9,019,000 $ 84,289 $ 112,000
New Haven, Connecticut 105 $ 8,741,000 $ 83,247 $ 95,000
St. Clair, Michigan 105 $ 6,544,000 $ 62,323 $ 76,000
Warren, Ohio 103 $ 13,306,000 $ 129,184 $ 135,000
Worcester, Massachusetts 102 $ 8,972,000 $ 87,960 $ 110,000
Miami-Dade, Florida 101 $ 20,434,000 $ 202,316 $ 81,000
Dauphin, Pennsylvania 101 $ 7,845,000 $ 77,673 $ 67,000
Contra Costa, California 100 $ 19,422,000 $ 194,220 $ 103,000
New Castle, Delaware 100 $ 9,276,000 $ 92,760 $ 73,000
Greenville, South Carolina 100 $ 10,628,000 $ 106,280 $ 59,000
Hancock, Indiana 99 $ 5,171,000 $ 52,232 $ 63,000
Plymouth, Massachusetts 99 $ 10,745,000 $ 108,535 $ 101,000
Pierce, Washington 99 $ 10,870,000 $ 109,797 $ 85,000
Sacramento, California 98 $ 11,574,000 $ 118,102 $ 88,000
Camden, New Jersey 98 $ 6,390,000 $ 65,204 $ 96,000
Ocean, New Jersey 98 $ 8,649,000 $ 88,255 $ 95,000
Alameda, California 97 $ 18,365,000 $ 189,329 $ 91,000
Hillsborough, Florida 97 $ 9,800,000 $ 101,030 $ 68,000
Essex, Massachusetts 96 $ 14,513,000 $ 151,177 $ 137,000
Seminole, Florida 95 $ 6,627,000 $ 69,757 $ 45,000
Harford, Maryland 94 $ 11,502,000 $ 122,361 $ 81,000
Salt Lake, Utah 94 $ 6,860,000 $ 72,978 $ 81,000
Howard, Maryland 93 $ 13,300,000 $ 143,010 $ 107,000
Prince George's, Maryland 90 $ 11,392,000 $ 126,577 $ 93,000
St. Louis, Missouri 90 $ 11,387,000 $ 126,522 $ 60,000
Ventura, California 89 $ 19,348,000 $ 217,393 $ 93,000
Orange, Florida 89 $ 12,030,000 $ 135,168 $ 54,000
Eaton, Michigan 88 $ 5,055,000 $ 57,443 $ 64,000
Morris, New Jersey 88 $ 9,286,000 $ 105,522 $ 89,000
Morgan, Indiana 87 $ 6,192,000 $ 71,172 $ 56,000
Delaware, Ohio 87 $ 10,144,000 $ 116,597 $ 93,000
Tuscarawas, Ohio 87 $ 4,733,000 $ 54,402 $ 60,000
Forsyth, North Carolina 86 $ 7,899,000 $ 91,848 $ 85,000
Westchester, New York 85 $ 17,236,000 $ 202,776 $ 112,000
Loudoun, Virginia 84 $ 11,378,000 $ 135,452 $ 147,000
Snohomish, Washington 84 $ 10,698,000 $ 127,357 $ 74,000
Kern, California 82 $ 7,302,000 $ 89,048 $ 64,000
St. Charles, Missouri 82 $ 5,832,000 $ 71,121 $ 71,000
Saginaw, Michigan 81 $ 3,690,000 $ 45,555 $ 66,000
Schenectady, New York 81 $ 9,869,000 $ 121,839 $ 73,000
Fairfield, Ohio 81 $ 8,019,000 $ 99,000 $ 68,000
Orange, New York 80 $ 7,848,000 $ 98,100 $ 78,000
Gwinnett, Georgia 79 $ 7,105,000 $ 89,936 $ 74,000
Providence, Rhode Island 79 $ 8,382,000 $ 106,101 $ 91,000
Pinellas, Florida 78 $ 10,197,000 $ 130,730 $ 56,000
Multnomah, Oregon 78 $ 8,142,000 $ 104,384 $ 71,000
DeKalb, Georgia 77 $ 8,557,000 $ 111,129 $ 78,000
Henrico, Virginia 77 $ 9,299,000 $ 120,766 $ 85,000
Ashtabula, Ohio 76 $ 4,965,000 $ 65,328 $ 47,000
York, Pennsylvania 76 $ 5,775,000 $ 75,986 $ 66,000
Rensselaer, New York 75 $ 10,077,000 $ 134,360 $ 78,000
Wake, North Carolina 75 $ 8,073,000 $ 107,640 $ 81,000
Wayne, Ohio 74 $ 5,946,000 $ 80,351 $ 68,000
Chesterfield, Virginia 72 $ 8,657,000 $ 120,236 $ 93,000
Fresno, California 70 $ 7,431,000 $ 106,157 $ 91,000
Bristol, Massachusetts 70 $ 5,966,000 $ 85,228 $ 77,000
Queens, New York 70 $ 14,673,000 $ 209,614 $ 60,000
Westmoreland, Pennsylvania 69 $ 4,796,000 $ 69,507 $ 62,000
Jefferson, Colorado 68 $ 6,996,000 $ 102,882 $ 65,000
Hillsborough, New Hampshire 67 $ 8,529,000 $ 127,298 $ 116,000
Hampden, Massachusetts 66 $ 4,605,000 $ 69,772 $ 78,000
Niagara, New York 65 $ 3,826,000 $ 58,861 $ 47,000
Licking, Ohio 65 $ 6,731,000 $ 103,553 $ 72,000
Berks, Pennsylvania 65 $ 4,666,000 $ 71,784 $ 64,000
Washington, Pennsylvania 65 $ 4,192,000 $ 64,492 $ 75,000
Virginia Beach, Virginia 65 $ 8,838,000 $ 135,969 $ 66,000
Baltimore City, Maryland 64 $ 5,383,000 $ 84,109 $ 73,000
Rockingham, New Hampshire 64 $ 7,739,000 $ 120,921 $ 104,000
Essex, New Jersey 64 $ 8,381,000 $ 130,953 $ 109,000
Somerset, New Jersey 64 $ 8,505,000 $ 132,890 $ 127,000
Cumberland, Pennsylvania 64 $ 4,238,000 $ 66,218 $ 49,000
Harris, Texas 64 $ 27,183,000 $ 424,734 $ 0
Placer, California 63 $ 12,064,000 $ 191,492 $ 100,000
Duval, Florida 63 $ 5,308,000 $ 84,253 $ 64,000
Union, North Carolina 63 $ 9,262,000 $ 147,015 $ 103,000
Lancaster, Pennsylvania 63 $ 4,453,000 $ 70,682 $ 79,000
Utah, Utah 63 $ 4,825,000 $ 76,587 $ 71,000
Monroe, Indiana 62 $ 3,639,000 $ 58,693 $ 72,000
Frederick, Maryland 62 $ 6,340,000 $ 102,258 $ 85,000
Gloucester, New Jersey 62 $ 3,482,000 $ 56,161 $ 178,000
San Joaquin, California 61 $ 8,064,000 $ 132,196 $ 78,000
Carroll, Maryland 61 $ 6,298,000 $ 103,245 $ 92,000
Prince William, Virginia 61 $ 8,406,000 $ 137,803 $ 126,000
Kendall, Illinois 60 $ 5,807,000 $ 96,783 $ 89,000
Dakota, Minnesota 60 $ 5,706,000 $ 95,100 $ 101,000
Passaic, New Jersey 60 $ 5,300,000 $ 88,333 $ 106,000
Clermont, Ohio 60 $ 6,972,000 $ 116,200 $ 71,000
Douglas, Colorado 59 $ 8,368,000 $ 141,830 $ 83,000
Lee, Florida 59 $ 10,798,000 $ 183,016 $ 84,000
Richmond, New York 59 $ 5,559,000 $ 94,220 $ 77,000
El Paso, Colorado 58 $ 6,177,000 $ 106,500 $ 73,000
Barnstable, Massachusetts 57 $ 9,374,000 $ 164,456 $ 115,000
Clackamas, Oregon 56 $ 9,320,000 $ 166,428 $ 77,000
Brevard, Florida 54 $ 6,293,000 $ 116,537 $ 61,000
Arapahoe, Colorado 53 $ 4,874,000 $ 91,962 $ 74,000
Washoe, Nevada 53 $ 8,297,000 $ 156,547 $ 70,000
Washington, Oregon 53 $ 6,037,000 $ 113,905 $ 79,000
Beaver, Pennsylvania 53 $ 3,525,000 $ 66,509 $ 46,000
Northampton, Pennsylvania 53 $ 4,167,000 $ 78,622 $ 90,000
Charles, Maryland 52 $ 7,272,000 $ 139,846 $ 104,000
Lapeer, Michigan 52 $ 3,859,000 $ 74,211 $ 72,000
Iredell, North Carolina 51 $ 6,069,000 $ 119,000 $ 73,000
Boone, Indiana 50 $ 3,087,000 $ 61,740 $ 88,000
Sussex, New Jersey 50 $ 3,883,000 $ 77,660 $ 78,000
Union, New Jersey 50 $ 5,283,000 $ 105,660 $ 102,000
Greene, Ohio 50 $ 5,351,000 $ 107,020 $ 67,000
Stanislaus, California 49 $ 7,121,000 $ 145,326 $ 78,000
Johnson, Kansas 49 $ 5,833,000 $ 119,040 $ 87,000
Calhoun, Michigan 49 $ 2,784,000 $ 56,816 $ 50,000
San Mateo, California 48 $ 11,551,000 $ 240,645 $ 126,000
Ottawa, Michigan 48 $ 4,612,000 $ 96,083 $ 66,000
Dallas, Texas 48 $ 11,901,000 $ 247,937 $ 0
Chesapeake, Virginia 47 $ 5,498,000 $ 116,978 $ 83,000
Noble, Indiana 46 $ 1,340,000 $ 29,130 $ 42,000
Dutchess, New York 46 $ 4,710,000 $ 102,391 $ 86,000
Ada, Idaho 45 $ 2,661,000 $ 59,133 $ 87,000
Mercer, New Jersey 45 $ 4,646,000 $ 103,244 $ 105,000
Huron, Ohio 45 $ 3,416,000 $ 75,911 $ 53,000
Volusia, Florida 44 $ 5,500,000 $ 125,000 $ 67,000
Clark, Washington 43 $ 3,959,000 $ 92,069 $ 115,000
Rockland, New York 42 $ 5,609,000 $ 133,547 $ 129,000
Cabarrus, North Carolina 42 $ 4,130,000 $ 98,333 $ 68,000
Gaston, North Carolina 42 $ 3,923,000 $ 93,404 $ 67,000
Guilford, North Carolina 42 $ 4,636,000 $ 110,380 $ 61,000
Lane, Oregon 42 $ 5,006,000 $ 119,190 $ 67,000
Denver, Colorado 41 $ 6,115,000 $ 149,146 $ 59,000
New London, Connecticut 41 $ 3,072,000 $ 74,926 $ 111,000
Kings, New York 41 $ 11,876,000 $ 289,658 $ 58,000
Tarrant, Texas 41 $ 4,949,000 $ 120,707 $ 0
Collier, Florida 40 $ 16,558,000 $ 413,950 $ 95,000
Van Buren, Michigan 40 $ 3,607,000 $ 90,175 $ 95,000
Ottawa, Ohio 40 $ 2,612,000 $ 65,300 $ 81,000
Erie, Pennsylvania 40 $ 3,248,000 $ 81,200 $ 52,000
Spartanburg, South Carolina 40 $ 4,432,000 $ 110,800 $ 61,000
Ramsey, Minnesota 39 $ 3,306,000 $ 84,769 $ 94,000
Luzerne, Pennsylvania 39 $ 2,308,000 $ 59,179 $ 70,000
Strafford, New Hampshire 38 $ 3,540,000 $ 93,157 $ 81,000
Atlantic, New Jersey 38 $ 4,816,000 $ 126,736 $ 81,000
Ontario, New York 38 $ 4,183,000 $ 110,078 $ 114,000
Butler, Pennsylvania 38 $ 2,756,000 $ 72,526 $ 53,000
Stafford, Virginia 38 $ 3,344,000 $ 88,000 $ 93,000
San Francisco, California 37 $ 10,759,000 $ 290,783 $ 111,000
Fulton, Ohio 37 $ 2,738,000 $ 74,000 $ 58,000
Lehigh, Pennsylvania 37 $ 3,284,000 $ 88,756 $ 71,000
Milwaukee, Wisconsin 37 $ 3,535,000 $ 95,540 $ 61,000
Buncombe, North Carolina 36 $ 2,922,000 $ 81,166 $ 65,000
Clark, Ohio 36 $ 4,044,000 $ 112,333 $ 62,000
Monroe, Pennsylvania 36 $ 1,889,000 $ 52,472 $ 102,000
El Dorado, California 35 $ 5,665,000 $ 161,857 $ 100,000
Sussex, Delaware 35 $ 5,112,000 $ 146,057 $ 116,000
Hanover, Virginia 35 $ 4,200,000 $ 120,000 $ 97,000
Solano, California 34 $ 6,268,000 $ 184,352 $ 80,000
Sonoma, California 34 $ 6,026,000 $ 177,235 $ 94,000
Forsyth, Georgia 34 $ 4,402,000 $ 129,470 $ 76,000
Wayne, New York 34 $ 2,938,000 $ 86,411 $ 64,000
Spokane, Washington 34 $ 3,198,000 $ 94,058 $ 74,000
Lake, Florida 33 $ 3,464,000 $ 104,969 $ 39,000
Sarasota, Florida 33 $ 6,831,000 $ 207,000 $ 47,000
Kenton, Kentucky 33 $ 3,505,000 $ 106,212 $ 59,000
St. Mary's, Maryland 33 $ 3,570,000 $ 108,181 $ 90,000
Kent, Rhode Island 33 $ 3,646,000 $ 110,484 $ 93,000
Clinton, New York 32 $ 2,041,000 $ 63,781 $ 76,000
Oklahoma, Oklahoma 32 $ 7,181,000 $ 224,406 $ 79,000
Blair, Pennsylvania 32 $ 1,863,000 $ 58,218 $ 56,000
Boulder, Colorado 31 $ 4,140,000 $ 133,548 $ 82,000
Anoka, Minnesota 31 $ 2,094,000 $ 67,548 $ 102,000
Pickaway, Ohio 31 $ 2,973,000 $ 95,903 $ 56,000
Arlington, Virginia 31 $ 6,635,000 $ 214,032 $ 114,000
Richmond City, Virginia 31 $ 3,747,000 $ 120,870 $ 101,000
Pasco, Florida 30 $ 2,815,000 $ 93,833 $ 66,000
Cherokee, Georgia 30 $ 3,180,000 $ 106,000 $ 50,000
Kankakee, Illinois 30 $ 1,588,000 $ 52,933 $ 60,000
Porter, Indiana 30 $ 2,834,000 $ 94,466 $ 57,000
Merrimack, New Hampshire 30 $ 3,116,000 $ 103,866 $ 84,000
Hudson, New Jersey 30 $ 3,198,000 $ 106,600 $ 82,000
Erie, Ohio 30 $ 2,836,000 $ 94,533 $ 72,000
Hancock, Ohio 30 $ 3,606,000 $ 120,200 $ 84,000
Washington, Rhode Island 30 $ 5,752,000 $ 191,733 $ 180,000
Thurston, Washington 30 $ 3,605,000 $ 120,166 $ 80,000
Yavapai, Arizona 29 $ 2,114,000 $ 72,896 $ 54,000
White, Indiana 29 $ 1,658,000 $ 57,172 $ 72,000
Jackson, Missouri 29 $ 2,628,000 $ 90,620 $ 73,000
Putnam, New York 29 $ 2,158,000 $ 74,413 $ 111,000
Ulster, New York 29 $ 4,095,000 $ 141,206 $ 69,000
Travis, Texas 29 $ 11,591,000 $ 399,689 $ 0
Davis, Utah 29 $ 2,213,000 $ 76,310 $ 73,000
Waukesha, Wisconsin 29 $ 4,070,000 $ 140,344 $ 76,000
Polk, Florida 28 $ 3,367,000 $ 120,250 $ 66,000
Hunterdon, New Jersey 28 $ 3,973,000 $ 141,892 $ 98,000
Warren, New York 28 $ 2,535,000 $ 90,535 $ 59,000
Catawba, North Carolina 28 $ 3,598,000 $ 128,500 $ 70,000
Kitsap, Washington 28 $ 2,716,000 $ 97,000 $ 91,000
Santa Barbara, California 27 $ 5,445,000 $ 201,666 $ 74,000
Adams, Colorado 27 $ 1,662,000 $ 61,555 $ 51,000
Middlesex, Connecticut 27 $ 1,691,000 $ 62,629 $ 91,000
Chatham, Georgia 27 $ 2,817,000 $ 104,333 $ 75,000
Boone, Kentucky 27 $ 2,535,000 $ 93,888 $ 69,000
New York, New York 27 $ 12,041,000 $ 445,962 $ 125,000
Marion, Florida 26 $ 3,157,000 $ 121,423 $ 65,000
Delaware, Indiana 26 $ 2,527,000 $ 97,192 $ 80,000
Jefferson, Kentucky 26 $ 2,980,000 $ 114,615 $ 59,000
Berrien, Michigan 26 $ 2,151,000 $ 82,730 $ 91,000
Carroll, Ohio 26 $ 2,369,000 $ 91,115 $ 63,000
Collin, Texas 26 $ 4,507,000 $ 173,346 $ 2,000
Spotsylvania, Virginia 26 $ 2,466,000 $ 94,846 $ 85,000
Manatee, Florida 25 $ 3,299,000 $ 131,960 $ 72,000
St. Clair, Illinois 25 $ 1,839,000 $ 73,560 $ 59,000
Montgomery, Indiana 25 $ 892,000 $ 35,680 $ 56,000
Clinton, Michigan 25 $ 1,270,000 $ 50,800 $ 98,000
Lenawee, Michigan 25 $ 1,907,000 $ 76,280 $ 64,000
Washington, Minnesota 25 $ 2,736,000 $ 109,440 $ 100,000
St. Louis City, Missouri 25 $ 1,973,000 $ 78,920 $ 55,000
Warren, New Jersey 25 $ 1,822,000 $ 72,880 $ 148,000
Washington, New York 25 $ 2,205,000 $ 88,200 $ 64,000
Marion, Oregon 25 $ 2,128,000 $ 85,120 $ 73,000
Mohave, Arizona 24 $ 1,655,000 $ 68,958 $ 40,000
Pinal, Arizona 24 $ 2,112,000 $ 88,000 $ 74,000
Yuma, Arizona 24 $ 979,000 $ 40,791 $ 44,000
Monterey, California 24 $ 5,171,000 $ 215,458 $ 63,000
Kent, Delaware 24 $ 2,776,000 $ 115,666 $ 66,000
Barry, Michigan 24 $ 1,927,000 $ 80,291 $ 74,000
Jefferson, Missouri 24 $ 1,701,000 $ 70,875 $ 61,000
Rowan, North Carolina 24 $ 2,612,000 $ 108,833 $ 69,000
Tulsa, Oklahoma 24 $ 3,195,000 $ 133,125 $ 66,000
Lebanon, Pennsylvania 24 $ 1,462,000 $ 60,916 $ 67,000
Shasta, California 23 $ 1,824,000 $ 79,304 $ 95,000
Tolland, Connecticut 23 $ 1,372,000 $ 59,652 $ 85,000
Shelby, Indiana 23 $ 1,773,000 $ 77,086 $ 89,000
Calvert, Maryland 23 $ 2,874,000 $ 124,956 $ 113,000
Hampshire, Massachusetts 23 $ 1,994,000 $ 86,695 $ 68,000
Oneida, New York 23 $ 1,539,000 $ 66,913 $ 61,000
Miami, Ohio 23 $ 2,772,000 $ 120,521 $ 70,000
Richland, Ohio 23 $ 2,757,000 $ 119,869 $ 67,000
Union, Ohio 23 $ 2,611,000 $ 113,521 $ 62,000
Centre, Pennsylvania 23 $ 1,449,000 $ 63,000 $ 57,000
Coconino, Arizona 22 $ 1,690,000 $ 76,818 $ 70,000
Litchfield, Connecticut 22 $ 1,690,000 $ 76,818 $ 74,000
Escambia, Florida 22 $ 2,512,000 $ 114,181 $ 44,000
Madison, Illinois 22 $ 965,000 $ 43,863 $ 36,000
St. Joseph, Indiana 22 $ 848,000 $ 38,545 $ 60,000
St. Joseph, Michigan 22 $ 1,202,000 $ 54,636 $ 66,000
Ross, Ohio 22 $ 2,557,000 $ 116,227 $ 53,000
Denton, Texas 22 $ 3,657,000 $ 166,227 $ 0
Washington, Utah 22 $ 1,958,000 $ 89,000 $ 38,000
Alexandria, Virginia 22 $ 4,055,000 $ 184,318 $ 116,000
Larimer, Colorado 21 $ 2,723,000 $ 129,666 $ 50,000
Vigo, Indiana 21 $ 1,664,000 $ 79,238 $ 56,000
Sedgwick, Kansas 21 $ 2,263,000 $ 107,761 $ 59,000
Cecil, Maryland 21 $ 2,771,000 $ 131,952 $ 100,000
Washington, Maryland 21 $ 1,740,000 $ 82,857 $ 58,000
Worcester, Maryland 21 $ 2,523,000 $ 120,142 $ 53,000
Orleans, New York 21 $ 1,758,000 $ 83,714 $ 59,000
Norfolk, Virginia 21 $ 2,324,000 $ 110,666 $ 54,000
District of Columbia, District Of Columbia 20 $ 7,087,000 $ 354,350 $ 87,000
St. Lucie, Florida 20 $ 1,164,000 $ 58,200 $ 58,000
York, Maine 20 $ 1,573,000 $ 78,650 $ 66,000
Caroline, Maryland 20 $ 1,730,000 $ 86,500 $ 84,000
Marion, Ohio 20 $ 1,893,000 $ 94,650 $ 70,000
Deschutes, Oregon 20 $ 3,775,000 $ 188,750 $ 44,000
York, South Carolina 20 $ 2,745,000 $ 137,250 $ 121,000
Bexar, Texas 20 $ 3,477,000 $ 173,850 $ 0
Dane, Wisconsin 20 $ 2,130,000 $ 106,500 $ 101,000
Butte, California 19 $ 1,593,000 $ 83,842 $ 76,000
Merced, California 19 $ 1,474,000 $ 77,578 $ 66,000
San Luis Obispo, California 19 $ 4,501,000 $ 236,894 $ 169,000
Osceola, Florida 19 $ 1,397,000 $ 73,526 $ 66,000
Santa Rosa, Florida 19 $ 2,694,000 $ 141,789 $ 42,000
St. Johns, Florida 19 $ 3,349,000 $ 176,263 $ 55,000
Greenup, Kentucky 19 $ 407,000 $ 21,421 $ 36,000
Cumberland, Maine 19 $ 1,767,000 $ 93,000 $ 148,000
Cumberland, New Jersey 19 $ 1,135,000 $ 59,736 $ 86,000
Broome, New York 19 $ 1,456,000 $ 76,631 $ 54,000
Fulton, New York 19 $ 2,304,000 $ 121,263 $ 57,000
Lincoln, North Carolina 19 $ 2,447,000 $ 128,789 $ 90,000
Anderson, South Carolina 19 $ 2,395,000 $ 126,052 $ 69,000
Knox, Tennessee 19 $ 2,990,000 $ 157,368 $ 19,000
Chittenden, Vermont 19 $ 2,855,000 $ 150,263 $ 93,000
James City, Virginia 19 $ 2,702,000 $ 142,210 $ 110,000
Tulare, California 18 $ 1,174,000 $ 65,222 $ 97,000
Henry, Georgia 18 $ 1,645,000 $ 91,388 $ 78,000
Columbia, New York 18 $ 2,952,000 $ 164,000 $ 121,000
Greene, New York 18 $ 2,338,000 $ 129,888 $ 51,000
Mercer, Pennsylvania 18 $ 1,463,000 $ 81,277 $ 56,000
Davidson, Tennessee 18 $ 2,569,000 $ 142,722 $ 32,000
Fauquier, Virginia 18 $ 1,549,000 $ 86,055 $ 93,000
Whatcom, Washington 18 $ 1,532,000 $ 85,111 $ 57,000
Marin, California 17 $ 4,172,000 $ 245,411 $ 109,000
Alachua, Florida 17 $ 661,000 $ 38,882 $ 67,000
Clay, Florida 17 $ 1,239,000 $ 72,882 $ 66,000
Leon, Florida 17 $ 1,824,000 $ 107,294 $ 39,000
Wright, Minnesota 17 $ 1,371,000 $ 80,647 $ 109,000
Cape May, New Jersey 17 $ 1,708,000 $ 100,470 $ 58,000
Highland, Ohio 17 $ 1,430,000 $ 84,117 $ 43,000
Jackson, Oregon 17 $ 1,502,000 $ 88,352 $ 100,000
Armstrong, Pennsylvania 17 $ 1,028,000 $ 60,470 $ 47,000
King George, Virginia 17 $ 1,596,000 $ 93,882 $ 96,000
Baldwin, Alabama 16 $ 4,816,000 $ 301,000 $ 0
Cochise, Arizona 16 $ 894,000 $ 55,875 $ 45,000
Windham, Connecticut 16 $ 1,489,000 $ 93,062 $ 98,000
Paulding, Georgia 16 $ 1,201,000 $ 75,062 $ 52,000
DeKalb, Illinois 16 $ 885,000 $ 55,312 $ 88,000
Grundy, Illinois 16 $ 819,000 $ 51,187 $ 76,000
Muskegon, Michigan 16 $ 1,223,000 $ 76,437 $ 47,000
Knox, Ohio 16 $ 1,439,000 $ 89,937 $ 73,000
Cleveland, Oklahoma 16 $ 2,947,000 $ 184,187 $ 67,000
York, Virginia 16 $ 1,564,000 $ 97,750 $ 101,000
Jefferson, Alabama 15 $ 6,696,000 $ 446,400 $ 0
Benton, Arkansas 15 $ 1,610,000 $ 107,333 $ 68,000
Washington, Arkansas 15 $ 2,952,000 $ 196,800 $ 59,000
Coweta, Georgia 15 $ 994,000 $ 66,266 $ 36,000
Winnebago, Illinois 15 $ 786,000 $ 52,400 $ 46,000
Midland, Michigan 15 $ 1,005,000 $ 67,000 $ 72,000
Bernalillo, New Mexico 15 $ 4,059,000 $ 270,600 $ 0
Bronx, New York 15 $ 2,170,000 $ 144,666 $ 72,000
Genesee, New York 15 $ 959,000 $ 63,933 $ 68,000
Davidson, North Carolina 15 $ 1,622,000 $ 108,133 $ 92,000
New Hanover, North Carolina 15 $ 2,388,000 $ 159,200 $ 94,000
Randolph, North Carolina 15 $ 1,397,000 $ 93,133 $ 51,000
Ashland, Ohio 15 $ 1,660,000 $ 110,666 $ 66,000
Brown, Ohio 15 $ 1,083,000 $ 72,200 $ 67,000
Sandusky, Ohio 15 $ 1,312,000 $ 87,466 $ 63,000
Lexington, South Carolina 15 $ 1,567,000 $ 104,466 $ 31,000
Albemarle, Virginia 15 $ 2,359,000 $ 157,266 $ 79,000
Charlotte, Florida 14 $ 762,000 $ 54,428 $ 33,000
Okaloosa, Florida 14 $ 2,457,000 $ 175,500 $ 69,000
Chemung, New York 14 $ 1,153,000 $ 82,357 $ 60,000
Oswego, New York 14 $ 1,073,000 $ 76,642 $ 66,000
Johnston, North Carolina 14 $ 1,312,000 $ 93,714 $ 59,000
Pickens, South Carolina 14 $ 1,446,000 $ 103,285 $ 73,000
Richland, South Carolina 14 $ 1,518,000 $ 108,428 $ 59,000
Shelby, Tennessee 14 $ 2,801,000 $ 200,071 $ 26,000
El Paso, Texas 14 $ 329,000 $ 23,500 $ 5,000
Montgomery, Texas 14 $ 4,415,000 $ 315,357 $ 8,000
Williamson, Texas 14 $ 351,000 $ 25,071 $ 0
Newport News, Virginia 14 $ 1,837,000 $ 131,214 $ 50,000
Island, Washington 14 $ 2,405,000 $ 171,785 $ 62,000
Weld, Colorado 13 $ 637,000 $ 49,000 $ 52,000
Monroe, Florida 13 $ 4,416,000 $ 339,692 $ 43,000
Columbia, Georgia 13 $ 1,457,000 $ 112,076 $ 66,000
Boyd, Kentucky 13 $ 335,000 $ 25,769 $ 62,000
Jefferson, Louisiana 13 $ 839,000 $ 64,538 $ 0
Grand Traverse, Michigan 13 $ 1,791,000 $ 137,769 $ 70,000
Carver, Minnesota 13 $ 1,462,000 $ 112,461 $ 94,000
St. Louis, Minnesota 13 $ 709,000 $ 54,538 $ 55,000
Clay, Missouri 13 $ 1,247,000 $ 95,923 $ 101,000
Belknap, New Hampshire 13 $ 2,866,000 $ 220,461 $ 190,000
Chautauqua, New York 13 $ 681,000 $ 52,384 $ 53,000
Steuben, New York 13 $ 974,000 $ 74,923 $ 65,000
Rockingham, North Carolina 13 $ 1,210,000 $ 93,076 $ 80,000
Allen, Ohio 13 $ 974,000 $ 74,923 $ 72,000
Franklin, Pennsylvania 13 $ 469,000 $ 36,076 $ 39,000
Beaufort, South Carolina 13 $ 7,376,000 $ 567,384 $ 17,000
Weber, Utah 13 $ 1,005,000 $ 77,307 $ 55,000
Roanoke, Virginia 13 $ 1,441,000 $ 110,846 $ 83,000
Racine, Wisconsin 13 $ 550,000 $ 42,307 $ 205,000
Kings, California 12 $ 603,000 $ 50,250 $ 85,000
Nevada, California 12 $ 1,057,000 $ 88,083 $ 88,000
Flagler, Florida 12 $ 2,184,000 $ 182,000 $ 44,000
Hernando, Florida 12 $ 1,153,000 $ 96,083 $ 60,000
Fayette, Georgia 12 $ 907,000 $ 75,583 $ 104,000
Kootenai, Idaho 12 $ 1,544,000 $ 128,666 $ 46,000
Bartholomew, Indiana 12 $ 926,000 $ 77,166 $ 65,000
Dearborn, Indiana 12 $ 1,300,000 $ 108,333 $ 74,000
Henry, Indiana 12 $ 727,000 $ 60,583 $ 64,000
Putnam, Indiana 12 $ 764,000 $ 63,666 $ 67,000
Bay, Michigan 12 $ 1,052,000 $ 87,666 $ 74,000
Hillsdale, Michigan 12 $ 1,062,000 $ 88,500 $ 71,000
Montcalm, Michigan 12 $ 1,023,000 $ 85,250 $ 51,000
Scott, Minnesota 12 $ 1,358,000 $ 113,166 $ 68,000
Grafton, New Hampshire 12 $ 901,000 $ 75,083 $ 145,000
Cattaraugus, New York 12 $ 1,079,000 $ 89,916 $ 61,000
Livingston, New York 12 $ 1,770,000 $ 147,500 $ 102,000
Montgomery, New York 12 $ 915,000 $ 76,250 $ 45,000
Orange, North Carolina 12 $ 2,410,000 $ 200,833 $ 85,000
Crawford, Ohio 12 $ 990,000 $ 82,500 $ 62,000
Darke, Ohio 12 $ 1,222,000 $ 101,833 $ 53,000
Henry, Ohio 12 $ 1,097,000 $ 91,416 $ 107,000
Seneca, Ohio 12 $ 920,000 $ 76,666 $ 75,000
Washington, Ohio 12 $ 1,382,000 $ 115,166 $ 68,000
Adams, Pennsylvania 12 $ 1,293,000 $ 107,750 $ 51,000
Fort Bend, Texas 12 $ 5,224,000 $ 435,333 $ 0
Summit, Utah 12 $ 4,657,000 $ 388,083 $ 21,000
Frederick, Virginia 12 $ 1,711,000 $ 142,583 $ 231,000
Hampton, Virginia 12 $ 1,263,000 $ 105,250 $ 71,000
Warren, Virginia 12 $ 634,000 $ 52,833 $ 152,000
Pulaski, Arkansas 11 $ 2,567,000 $ 233,363 $ 82,000
Douglas, Georgia 11 $ 701,000 $ 63,727 $ 58,000
Sangamon, Illinois 11 $ 866,000 $ 78,727 $ 177,000
Clinton, Indiana 11 $ 394,000 $ 35,818 $ 58,000
DeKalb, Indiana 11 $ 532,000 $ 48,363 $ 81,000
Elkhart, Indiana 11 $ 912,000 $ 82,909 $ 65,000
St. Tammany, Louisiana 11 $ 1,317,000 $ 119,727 $ 0
Sherburne, Minnesota 11 $ 1,090,000 $ 99,090 $ 81,000
Cheshire, New Hampshire 11 $ 445,000 $ 40,454 $ 46,000
Cayuga, New York 11 $ 773,000 $ 70,272 $ 58,000
Essex, New York 11 $ 937,000 $ 85,181 $ 104,000
Franklin, New York 11 $ 1,220,000 $ 110,909 $ 126,000
Onslow, North Carolina 11 $ 569,000 $ 51,727 $ 18,000
Belmont, Ohio 11 $ 1,118,000 $ 101,636 $ 64,000
Carbon, Pennsylvania 11 $ 914,000 $ 83,090 $ 77,000
Lackawanna, Pennsylvania 11 $ 714,000 $ 64,909 $ 79,000
Lawrence, Pennsylvania 11 $ 471,000 $ 42,818 $ 39,000
Louisa, Virginia 11 $ 979,000 $ 89,000 $ 93,000
Skagit, Washington 11 $ 661,000 $ 60,090 $ 104,000
Kenosha, Wisconsin 11 $ 933,000 $ 84,818 $ 81,000
Santa Cruz, California 10 $ 1,364,000 $ 136,400 $ 92,000
Yolo, California 10 $ 1,192,000 $ 119,200 $ 113,000
Bay, Florida 10 $ 1,183,000 $ 118,300 $ 68,000
Martin, Florida 10 $ 1,468,000 $ 146,800 $ 60,000
Canyon, Idaho 10 $ 417,000 $ 41,700 $ 57,000
Peoria, Illinois 10 $ 657,000 $ 65,700 $ 41,000
Williamson, Illinois 10 $ 495,000 $ 49,500 $ 43,000
Clark, Indiana 10 $ 533,000 $ 53,300 $ 63,000
Washington, Indiana 10 $ 919,000 $ 91,900 $ 47,000
Page:

Mortgage Loan Application Detail Totals for Charter One Bank in 2006

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 22,981 $2,685,557,000 $116,000 $13,515,000 $77,000 $5,400,000
Home Improvement 22,793 $1,159,022,000 $50,000 $99,999,000 $84,000 $9,452,000
Home Purchase 11,689 $1,385,178,000 $118,000 $3,300,000 $54,000 $1,231,000

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 34,957 $2,629,742,000 $75,000 $99,999,000 $83,000 $7,600,000
Not Provided 7,588 $632,234,000 $83,000 $2,680,000 $99,000 $9,452,000
Not applicable 5,219 $1,395,621,000 $267,000 $13,515,000 $0 $0
Black or African American 5,089 $244,045,000 $47,000 $1,170,000 $54,000 $1,500,000
Hispanic 2,621 $157,363,000 $60,000 $1,950,000 $67,000 $1,872,000
Asian 1,647 $148,584,000 $90,000 $1,000,000 $99,000 $3,156,000
American Indian or Alaskan Native 198 $11,712,000 $59,000 $350,000 $79,000 $648,000
Native Hawaiian or Other Pacific Islander 144 $10,456,000 $72,000 $453,000 $74,000 $268,000

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) 57,448 $5,227,775,000 $91,000 $99,999,000 $75,000 $9,452,000
FHA-insured (Federal Housing Administration) 14 $1,894,000 $135,000 $421,000 $51,000 $102,000
VA-guaranteed (Veterans Administration) 1 $88,000 $88,000 $88,000 $40,000 $40,000
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 19,654 $1,399,767,000 $71,000 $13,515,000 $85,000 $1,101,000
Application Denied By Financial Institution 19,179 $1,375,732,000 $71,000 $99,999,000 $69,000 $7,600,000
Loan Purchased By The Institution 9,820 $1,752,494,000 $178,000 $2,000,000 $40,000 $1,231,000
File Closed For Incompleteness 6,664 $569,841,000 $85,000 $675,000 $112,000 $9,452,000
Application Approved But Not Accepted 2,098 $126,341,000 $60,000 $700,000 $86,000 $7,310,000
Application Withdrawn By Applicant 48 $5,582,000 $116,000 $940,000 $55,000 $365,000
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
Credit History 7,267 $505,277,000 $69,000 $99,999,000 $64,000 $7,200,000
Debt-To-Income Ratio 5,389 $359,836,000 $66,000 $1,900,000 $51,000 $831,000
Other 3,002 $255,194,000 $85,000 $1,000,000 $84,000 $3,180,000
Collateral 2,729 $198,887,000 $72,000 $1,000,000 $97,000 $7,600,000
Unverifiable Information 465 $31,284,000 $67,000 $570,000 $74,000 $1,199,000
Credit Application Incomplete 199 $14,912,000 $74,000 $425,000 $82,000 $480,000
Employment History 127 $10,168,000 $80,000 $494,000 $82,000 $850,000
Insufficient Cash (Downpayment, Closing Cost) 1 $174,000 $174,000 $174,000 $77,000 $77,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter One Bank's 2006 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 Charter One 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.

Download the Ohio Lender List