Charter One Bank Mortgage Lending & HMDA Data, 2003

In 2003, Charter One Bank of Cleveland, OH reported 116,689 mortgage applications totaling $15.4 billion. The average application was for $131,824, and applicants reported an average income of $73,072. 69% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Detroit, MI (20,507), Chicago, IL (15,395) and Cleveland-Lorain-Elyria, OH (14,116) (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 116,689
Total Mortgage Loan Application Amount $15,382,424,000
Average Mortgage Loan Application Amount $131,824
Highest Mortgage Loan Application Amount $16,800,000
Average Applicant Income $73,072
Highest Applicant Income $7,472,000

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Act (HMDA) records Charter One Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 9,257 $ 1,463,414,000 $ 158,087 $ 65,000
Cuyahoga, Ohio 8,976 $ 969,022,000 $ 107,956 $ 54,000
Wayne, Michigan 8,856 $ 1,053,838,000 $ 118,997 $ 56,000
Oakland, Michigan 5,927 $ 1,187,189,000 $ 200,301 $ 77,000
Erie, New York 5,543 $ 497,819,000 $ 89,810 $ 53,000
Monroe, New York 5,102 $ 495,744,000 $ 97,166 $ 55,000
Macomb, Michigan 4,917 $ 620,355,000 $ 126,165 $ 66,000
Summit, Ohio 3,624 $ 382,371,000 $ 105,510 $ 59,000
Lucas, Ohio 3,394 $ 320,378,000 $ 94,395 $ 58,000
Stark, Ohio 3,094 $ 271,856,000 $ 87,865 $ 48,000
DuPage, Illinois 2,947 $ 553,235,000 $ 187,728 $ 76,000
Albany, New York 2,402 $ 272,689,000 $ 113,525 $ 63,000
Hampden, Massachusetts 2,130 $ 254,631,000 $ 119,545 $ 58,000
Lake, Ohio 2,016 $ 241,943,000 $ 120,011 $ 64,000
Saratoga, New York 1,649 $ 206,019,000 $ 124,935 $ 73,000
Mahoning, Ohio 1,536 $ 135,137,000 $ 87,979 $ 47,000
Will, Illinois 1,337 $ 230,946,000 $ 172,734 $ 76,000
Kalamazoo, Michigan 1,237 $ 176,382,000 $ 142,588 $ 61,000
Onondaga, New York 1,200 $ 130,420,000 $ 108,683 $ 58,000
Medina, Ohio 1,134 $ 145,656,000 $ 128,444 $ 72,000
Ingham, Michigan 1,039 $ 156,657,000 $ 150,776 $ 63,000
Geauga, Ohio 995 $ 151,386,000 $ 152,146 $ 92,000
Niagara, New York 978 $ 75,916,000 $ 77,623 $ 45,000
Rutland, Vermont 978 $ 96,944,000 $ 99,124 $ 55,000
Chittenden, Vermont 977 $ 153,400,000 $ 157,011 $ 78,000
Orange, New York 963 $ 134,371,000 $ 139,533 $ 73,000
Clinton, New York 930 $ 78,746,000 $ 84,673 $ 73,000
Rensselaer, New York 918 $ 91,279,000 $ 99,432 $ 60,000
Dutchess, New York 913 $ 172,259,000 $ 188,673 $ 89,000
Washtenaw, Michigan 902 $ 210,261,000 $ 233,105 $ 84,000
Kent, Michigan 898 $ 120,336,000 $ 134,004 $ 57,000
Lorain, Ohio 882 $ 110,524,000 $ 125,310 $ 65,000
Kane, Illinois 758 $ 148,259,000 $ 195,592 $ 75,000
Schenectady, New York 727 $ 67,841,000 $ 93,316 $ 56,000
Lake, Illinois 656 $ 155,490,000 $ 237,027 $ 83,000
Oneida, New York 647 $ 43,779,000 $ 67,664 $ 49,000
Portage, Ohio 631 $ 72,180,000 $ 114,389 $ 62,000
Trumbull, Ohio 619 $ 51,217,000 $ 82,741 $ 57,000
Warren, New York 609 $ 64,660,000 $ 106,174 $ 81,000
Columbiana, Ohio 577 $ 49,967,000 $ 86,597 $ 57,000
Scioto, Ohio 571 $ 41,964,000 $ 73,492 $ 62,000
Wayne, New York 553 $ 46,295,000 $ 83,716 $ 50,000
Franklin, Ohio 548 $ 80,349,000 $ 146,622 $ 73,000
Livingston, Michigan 542 $ 114,304,000 $ 210,892 $ 97,000
Ulster, New York 479 $ 55,052,000 $ 114,931 $ 82,000
Wood, Ohio 467 $ 57,910,000 $ 124,004 $ 92,000
Hampshire, Massachusetts 428 $ 57,337,000 $ 133,964 $ 72,000
Windsor, Vermont 422 $ 49,950,000 $ 118,364 $ 70,000
Broome, New York 411 $ 27,996,000 $ 68,116 $ 58,000
Shiawassee, Michigan 409 $ 39,181,000 $ 95,797 $ 57,000
Ontario, New York 407 $ 55,805,000 $ 137,113 $ 75,000
Monroe, Michigan 372 $ 45,161,000 $ 121,400 $ 64,000
Addison, Vermont 370 $ 41,681,000 $ 112,651 $ 62,000
Franklin, New York 349 $ 25,166,000 $ 72,108 $ 93,000
Tuscarawas, Ohio 340 $ 28,994,000 $ 85,276 $ 48,000
Essex, New York 326 $ 29,336,000 $ 89,987 $ 69,000
St. Clair, Michigan 298 $ 44,523,000 $ 149,406 $ 74,000
Rockland, New York 294 $ 60,667,000 $ 206,350 $ 98,000
Washington, New York 292 $ 20,719,000 $ 70,955 $ 47,000
Allegan, Michigan 277 $ 34,432,000 $ 124,303 $ 60,000
Boyd, Kentucky 274 $ 25,570,000 $ 93,321 $ 73,000
Clinton, Michigan 262 $ 44,935,000 $ 171,507 $ 73,000
Franklin, Vermont 257 $ 26,874,000 $ 104,568 $ 65,000
Otsego, New York 256 $ 18,908,000 $ 73,859 $ 66,000
Montgomery, Maryland 243 $ 100,778,000 $ 414,724 $ 125,000
Genesee, Michigan 237 $ 41,583,000 $ 175,455 $ 78,000
Bennington, Vermont 236 $ 25,727,000 $ 109,012 $ 71,000
McHenry, Illinois 228 $ 44,420,000 $ 194,824 $ 81,000
Fulton, New York 224 $ 14,991,000 $ 66,924 $ 60,000
Mecklenburg, North Carolina 221 $ 65,356,000 $ 295,728 $ 109,000
Greenup, Kentucky 209 $ 20,855,000 $ 99,784 $ 67,000
Herkimer, New York 202 $ 12,717,000 $ 62,955 $ 55,000
Hamilton, Ohio 198 $ 27,318,000 $ 137,969 $ 66,000
Eaton, Michigan 194 $ 28,134,000 $ 145,020 $ 84,000
Westchester, New York 190 $ 54,499,000 $ 286,836 $ 139,000
Allegheny, Pennsylvania 189 $ 20,765,000 $ 109,867 $ 68,000
Wayne, Ohio 184 $ 19,286,000 $ 104,815 $ 65,000
Anne Arundel, Maryland 180 $ 54,278,000 $ 301,544 $ 101,000
Van Buren, Michigan 178 $ 23,038,000 $ 129,426 $ 57,000
Genesee, New York 174 $ 14,048,000 $ 80,735 $ 49,000
Marion, Indiana 173 $ 33,482,000 $ 193,537 $ 71,000
Livingston, New York 167 $ 14,263,000 $ 85,407 $ 49,000
Hamilton, Indiana 164 $ 48,850,000 $ 297,865 $ 141,000
Kendall, Illinois 156 $ 31,800,000 $ 203,846 $ 68,000
Montgomery, New York 156 $ 10,381,000 $ 66,544 $ 53,000
Windham, Vermont 156 $ 16,810,000 $ 107,756 $ 69,000
Howard, Maryland 155 $ 57,075,000 $ 368,225 $ 126,000
Saginaw, Michigan 154 $ 13,855,000 $ 89,967 $ 58,000
Fairfax, Virginia 142 $ 48,935,000 $ 344,612 $ 102,000
Fairfield, Ohio 140 $ 20,281,000 $ 144,864 $ 64,000
Lapeer, Michigan 137 $ 27,306,000 $ 199,313 $ 92,000
Montgomery, Ohio 136 $ 16,419,000 $ 120,727 $ 78,000
St. Louis, Missouri 129 $ 19,231,000 $ 149,077 $ 57,000
Grafton, New Hampshire 129 $ 23,895,000 $ 185,232 $ 101,000
Putnam, New York 127 $ 25,334,000 $ 199,480 $ 110,000
Madison, New York 120 $ 10,873,000 $ 90,608 $ 55,000
Ottawa, Michigan 117 $ 17,329,000 $ 148,111 $ 121,000
Butler, Ohio 114 $ 16,613,000 $ 145,728 $ 61,000
Ashtabula, Ohio 113 $ 10,537,000 $ 93,247 $ 66,000
Warren, Ohio 105 $ 16,596,000 $ 158,057 $ 65,000
Columbia, New York 104 $ 12,554,000 $ 120,711 $ 76,000
Washington, Vermont 100 $ 10,039,000 $ 100,390 $ 62,000
Licking, Ohio 98 $ 15,061,000 $ 153,683 $ 83,000
Henrico, Virginia 98 $ 15,327,000 $ 156,397 $ 61,000
Baltimore, Maryland 97 $ 19,227,000 $ 198,216 $ 84,000
Chenango, New York 97 $ 6,266,000 $ 64,597 $ 55,000
Oswego, New York 96 $ 7,803,000 $ 81,281 $ 51,000
Wyoming, New York 95 $ 8,547,000 $ 89,968 $ 53,000
Greenville, South Carolina 94 $ 12,554,000 $ 133,553 $ 61,000
Ottawa, Ohio 91 $ 10,225,000 $ 112,362 $ 77,000
Delaware, Ohio 89 $ 23,130,000 $ 259,887 $ 128,000
Greene, New York 87 $ 8,726,000 $ 100,298 $ 77,000
Carroll, Ohio 87 $ 8,046,000 $ 92,482 $ 52,000
Orleans, New York 86 $ 6,333,000 $ 73,639 $ 51,000
Sullivan, New York 86 $ 8,739,000 $ 101,616 $ 58,000
Orange, Vermont 82 $ 10,406,000 $ 126,902 $ 65,000
District of Columbia, District Of Columbia 81 $ 32,076,000 $ 396,000 $ 112,000
Prince George's, Maryland 80 $ 16,237,000 $ 202,962 $ 94,000
Barry, Michigan 79 $ 11,096,000 $ 140,455 $ 58,000
Chesterfield, Virginia 76 $ 11,111,000 $ 146,197 $ 55,000
Charles, Maryland 74 $ 14,762,000 $ 199,486 $ 101,000
Chautauqua, New York 71 $ 5,965,000 $ 84,014 $ 64,000
Schoharie, New York 71 $ 5,599,000 $ 78,859 $ 54,000
Forsyth, North Carolina 71 $ 18,071,000 $ 254,521 $ 92,000
Fulton, Ohio 71 $ 7,557,000 $ 106,436 $ 57,000
Charleston, South Carolina 71 $ 31,411,000 $ 442,408 $ 114,000
Carroll, Maryland 70 $ 18,961,000 $ 270,871 $ 95,000
Hamilton, New York 67 $ 5,891,000 $ 87,925 $ 76,000
Lake, Indiana 66 $ 15,659,000 $ 237,257 $ 62,000
Delaware, New York 66 $ 3,778,000 $ 57,242 $ 58,000
Monmouth, New Jersey 64 $ 21,181,000 $ 330,953 $ 120,000
Clermont, Ohio 63 $ 8,469,000 $ 134,428 $ 60,000
St. Charles, Missouri 57 $ 7,241,000 $ 127,035 $ 45,000
Tioga, New York 55 $ 3,792,000 $ 68,945 $ 69,000
Lawrence, Ohio 55 $ 4,658,000 $ 84,690 $ 48,000
Westmoreland, Pennsylvania 54 $ 5,675,000 $ 105,092 $ 46,000
Jefferson, Missouri 53 $ 4,524,000 $ 85,358 $ 30,000
Lewis, New York 52 $ 3,020,000 $ 58,076 $ 57,000
Erie, Ohio 52 $ 10,755,000 $ 206,826 $ 70,000
Chester, Pennsylvania 52 $ 12,539,000 $ 241,134 $ 100,000
Spartanburg, South Carolina 52 $ 6,908,000 $ 132,846 $ 104,000
Harford, Maryland 51 $ 9,661,000 $ 189,431 $ 72,000
Worcester, Massachusetts 51 $ 8,769,000 $ 171,941 $ 85,000
Jefferson, Alabama 50 $ 8,691,000 $ 173,820 $ 96,000
Virginia Beach, Virginia 49 $ 7,002,000 $ 142,897 $ 57,000
Greene, Ohio 48 $ 6,843,000 $ 142,562 $ 72,000
Tompkins, New York 47 $ 3,977,000 $ 84,617 $ 79,000
Clark, Ohio 47 $ 5,174,000 $ 110,085 $ 62,000
Dauphin, Pennsylvania 47 $ 6,554,000 $ 139,446 $ 101,000
Delaware, Pennsylvania 47 $ 13,383,000 $ 284,744 $ 105,000
York, Pennsylvania 47 $ 5,940,000 $ 126,382 $ 46,000
Middlesex, Massachusetts 46 $ 12,353,000 $ 268,543 $ 112,000
Calhoun, Michigan 46 $ 6,714,000 $ 145,956 $ 92,000
Hartford, Connecticut 45 $ 8,340,000 $ 185,333 $ 97,000
Washington, Pennsylvania 45 $ 5,320,000 $ 118,222 $ 46,000
Jackson, Michigan 43 $ 6,832,000 $ 158,883 $ 72,000
Nassau, New York 43 $ 12,273,000 $ 285,418 $ 240,000
Grand Isle, Vermont 43 $ 6,481,000 $ 150,720 $ 85,000
Iredell, North Carolina 42 $ 19,952,000 $ 475,047 $ 187,000
Fairfield, Connecticut 41 $ 15,202,000 $ 370,780 $ 140,000
Lenawee, Michigan 41 $ 7,066,000 $ 172,341 $ 82,000
St. Joseph, Michigan 41 $ 4,286,000 $ 104,536 $ 57,000
Suffolk, New York 41 $ 9,329,000 $ 227,536 $ 132,000
Union, North Carolina 41 $ 14,044,000 $ 342,536 $ 109,000
Hendricks, Indiana 40 $ 6,096,000 $ 152,400 $ 66,000
Beaver, Pennsylvania 40 $ 4,504,000 $ 112,600 $ 46,000
Cattaraugus, New York 39 $ 3,440,000 $ 88,205 $ 88,000
Berkshire, Massachusetts 38 $ 5,832,000 $ 153,473 $ 78,000
Prince William, Virginia 38 $ 9,250,000 $ 243,421 $ 89,000
Grundy, Illinois 37 $ 4,542,000 $ 122,756 $ 74,000
Cayuga, New York 37 $ 3,189,000 $ 86,189 $ 58,000
Lexington, South Carolina 37 $ 4,007,000 $ 108,297 $ 50,000
Richland, South Carolina 37 $ 4,544,000 $ 122,810 $ 88,000
Sandusky, Ohio 36 $ 3,905,000 $ 108,472 $ 67,000
Butler, Pennsylvania 36 $ 5,267,000 $ 146,305 $ 55,000
Shelby, Alabama 35 $ 2,745,000 $ 78,428 $ 46,000
Loudoun, Virginia 35 $ 13,008,000 $ 371,657 $ 111,000
Muskingum, Ohio 34 $ 4,296,000 $ 126,352 $ 54,000
Carter, Kentucky 33 $ 2,989,000 $ 90,575 $ 47,000
Miami, Ohio 33 $ 4,576,000 $ 138,666 $ 53,000
Cumberland, Pennsylvania 33 $ 5,239,000 $ 158,757 $ 80,000
Mercer, Pennsylvania 33 $ 3,268,000 $ 99,030 $ 44,000
Horry, South Carolina 32 $ 8,187,000 $ 255,843 $ 129,000
York, South Carolina 32 $ 5,669,000 $ 177,156 $ 90,000
New Haven, Connecticut 31 $ 3,157,000 $ 101,838 $ 107,000
Lamoille, Vermont 31 $ 3,647,000 $ 117,645 $ 78,000
Boone, Indiana 30 $ 10,433,000 $ 347,766 $ 162,000
Antrim, Michigan 30 $ 9,976,000 $ 332,533 $ 242,000
Hancock, Ohio 30 $ 3,091,000 $ 103,033 $ 53,000
Richland, Ohio 30 $ 3,146,000 $ 104,866 $ 40,000
Arlington, Virginia 30 $ 10,006,000 $ 333,533 $ 126,000
Tippecanoe, Indiana 29 $ 2,355,000 $ 81,206 $ 37,000
Barnstable, Massachusetts 29 $ 7,541,000 $ 260,034 $ 151,000
Newport News, Virginia 29 $ 3,773,000 $ 130,103 $ 67,000
St. Mary's, Maryland 28 $ 5,443,000 $ 194,392 $ 86,000
Franklin, Massachusetts 28 $ 3,252,000 $ 116,142 $ 72,000
Steuben, New York 28 $ 2,556,000 $ 91,285 $ 63,000
Huron, Ohio 28 $ 3,027,000 $ 108,107 $ 49,000
Chesapeake, Virginia 28 $ 4,131,000 $ 147,535 $ 54,000
Ionia, Michigan 27 $ 4,392,000 $ 162,666 $ 73,000
Anderson, South Carolina 27 $ 3,832,000 $ 141,925 $ 61,000
Cortland, New York 26 $ 2,364,000 $ 90,923 $ 78,000
Queens, New York 26 $ 5,635,000 $ 216,730 $ 98,000
Bucks, Pennsylvania 26 $ 8,913,000 $ 342,807 $ 130,000
Frederick, Maryland 25 $ 6,570,000 $ 262,800 $ 106,000
Berrien, Michigan 25 $ 5,602,000 $ 224,080 $ 156,000
Ocean, New Jersey 25 $ 6,022,000 $ 240,880 $ 112,000
Wake, North Carolina 25 $ 6,060,000 $ 242,400 $ 102,000
Pickaway, Ohio 25 $ 3,705,000 $ 148,200 $ 70,000
James City, Virginia 25 $ 6,170,000 $ 246,800 $ 123,000
Baltimore City, Maryland 24 $ 2,919,000 $ 121,625 $ 76,000
Grand Traverse, Michigan 24 $ 4,864,000 $ 202,666 $ 77,000
Jefferson, New York 24 $ 2,343,000 $ 97,625 $ 164,000
Tolland, Connecticut 23 $ 5,222,000 $ 227,043 $ 98,000
New Castle, Delaware 23 $ 2,836,000 $ 123,304 $ 80,000
Roscommon, Michigan 23 $ 2,731,000 $ 118,739 $ 86,000
St. Lawrence, New York 23 $ 1,842,000 $ 80,086 $ 69,000
Yates, New York 23 $ 2,875,000 $ 125,000 $ 127,000
Albemarle, Virginia 23 $ 6,166,000 $ 268,086 $ 57,000
Portsmouth, Virginia 23 $ 2,261,000 $ 98,304 $ 39,000
Emmet, Michigan 22 $ 6,111,000 $ 277,772 $ 489,000
Montcalm, Michigan 22 $ 2,713,000 $ 123,318 $ 47,000
Brown, Ohio 22 $ 2,713,000 $ 123,318 $ 51,000
Hanover, Virginia 22 $ 3,766,000 $ 171,181 $ 66,000
Kankakee, Illinois 21 $ 2,194,000 $ 104,476 $ 65,000
Madison, Ohio 21 $ 3,281,000 $ 156,238 $ 63,000
Lebanon, Pennsylvania 21 $ 2,742,000 $ 130,571 $ 50,000
Essex, Massachusetts 20 $ 5,540,000 $ 277,000 $ 141,000
St. Louis City, Missouri 20 $ 1,849,000 $ 92,450 $ 51,000
Cheshire, New Hampshire 20 $ 1,946,000 $ 97,300 $ 74,000
Sullivan, New Hampshire 20 $ 2,579,000 $ 128,950 $ 67,000
Lancaster, Pennsylvania 20 $ 3,698,000 $ 184,900 $ 78,000
Berkeley, South Carolina 20 $ 7,426,000 $ 371,300 $ 93,000
DeKalb, Illinois 19 $ 2,378,000 $ 125,157 $ 77,000
Calvert, Maryland 19 $ 4,251,000 $ 223,736 $ 86,000
Bergen, New Jersey 19 $ 4,806,000 $ 252,947 $ 144,000
Guilford, North Carolina 19 $ 3,534,000 $ 186,000 $ 68,000
Ashland, Ohio 19 $ 2,041,000 $ 107,421 $ 51,000
Montgomery, Pennsylvania 19 $ 7,583,000 $ 399,105 $ 180,000
King George, Virginia 19 $ 2,974,000 $ 156,526 $ 93,000
Hancock, Indiana 18 $ 3,817,000 $ 212,055 $ 150,000
Kenton, Kentucky 18 $ 2,404,000 $ 133,555 $ 57,000
Norfolk, Massachusetts 18 $ 7,074,000 $ 393,000 $ 176,000
Charlevoix, Michigan 18 $ 4,996,000 $ 277,555 $ 275,000
Hillsdale, Michigan 18 $ 1,731,000 $ 96,166 $ 94,000
Seneca, New York 18 $ 1,580,000 $ 87,777 $ 56,000
Catawba, North Carolina 18 $ 5,239,000 $ 291,055 $ 114,000
Ross, Ohio 18 $ 1,855,000 $ 103,055 $ 57,000
Chemung, New York 17 $ 1,249,000 $ 73,470 $ 58,000
Kings, New York 17 $ 4,603,000 $ 270,764 $ 98,000
Buncombe, North Carolina 17 $ 2,151,000 $ 126,529 $ 45,000
Clare, Michigan 16 $ 1,340,000 $ 83,750 $ 71,000
Sanilac, Michigan 16 $ 1,496,000 $ 93,500 $ 85,000
Pike, Ohio 16 $ 1,374,000 $ 85,875 $ 86,000
Union, Ohio 16 $ 2,355,000 $ 147,187 $ 75,000
Norfolk, Virginia 16 $ 1,587,000 $ 99,187 $ 44,000
Winnebago, Illinois 15 $ 4,297,000 $ 286,466 $ 50,000
Porter, Indiana 15 $ 2,474,000 $ 164,933 $ 94,000
Boone, Kentucky 15 $ 2,290,000 $ 152,666 $ 63,000
Lewis, Kentucky 15 $ 874,000 $ 58,266 $ 42,000
Queen Anne's, Maryland 15 $ 3,251,000 $ 216,733 $ 74,000
Coshocton, Ohio 15 $ 1,125,000 $ 75,000 $ 48,000
Logan, Ohio 15 $ 1,405,000 $ 93,666 $ 47,000
Berks, Pennsylvania 15 $ 1,963,000 $ 130,866 $ 91,000
Erie, Pennsylvania 15 $ 1,225,000 $ 81,666 $ 60,000
Alexandria, Virginia 15 $ 5,331,000 $ 355,400 $ 141,000
Hampton, Virginia 15 $ 1,777,000 $ 118,466 $ 46,000
Richmond City, Virginia 15 $ 1,358,000 $ 90,533 $ 39,000
Stafford, Virginia 15 $ 3,046,000 $ 203,066 $ 126,000
Cabell, West Virginia 15 $ 1,764,000 $ 117,600 $ 103,000
Gaston, North Carolina 14 $ 3,216,000 $ 229,714 $ 84,000
Maricopa, Arizona 13 $ 3,428,000 $ 263,692 $ 157,000
Leelanau, Michigan 13 $ 2,763,000 $ 212,538 $ 151,000
Muskegon, Michigan 13 $ 3,583,000 $ 275,615 $ 119,000
Otsego, Michigan 13 $ 1,391,000 $ 107,000 $ 146,000
Allegany, New York 13 $ 815,000 $ 62,692 $ 61,000
Walworth, Wisconsin 13 $ 3,120,000 $ 240,000 $ 202,000
Collier, Florida 12 $ 4,912,000 $ 409,333 $ 314,000
Lee, Florida 12 $ 3,549,000 $ 295,750 $ 152,000
Lawrence, Kentucky 12 $ 1,188,000 $ 99,000 $ 43,000
Cecil, Maryland 12 $ 2,205,000 $ 183,750 $ 78,000
Huron, Michigan 12 $ 2,067,000 $ 172,250 $ 162,000
Tuscola, Michigan 12 $ 952,000 $ 79,333 $ 108,000
Cabarrus, North Carolina 12 $ 1,886,000 $ 157,166 $ 65,000
Allen, Ohio 12 $ 1,201,000 $ 100,083 $ 52,000
Champaign, Ohio 12 $ 1,359,000 $ 113,250 $ 52,000
Darke, Ohio 12 $ 1,246,000 $ 103,833 $ 64,000
Preble, Ohio 12 $ 1,222,000 $ 101,833 $ 46,000
York, Virginia 12 $ 2,036,000 $ 169,666 $ 72,000
Campbell, Kentucky 11 $ 1,425,000 $ 129,545 $ 47,000
Plymouth, Massachusetts 11 $ 2,380,000 $ 216,363 $ 92,000
Middlesex, New Jersey 11 $ 2,817,000 $ 256,090 $ 57,000
Lincoln, North Carolina 11 $ 3,600,000 $ 327,272 $ 221,000
Auglaize, Ohio 11 $ 2,019,000 $ 183,545 $ 50,000
Knox, Ohio 11 $ 1,395,000 $ 126,818 $ 67,000
Pickens, South Carolina 11 $ 1,284,000 $ 116,727 $ 46,000
Williamson, Tennessee 11 $ 2,540,000 $ 230,909 $ 59,000
Roanoke, Virginia 11 $ 1,592,000 $ 144,727 $ 53,000
Suffolk, Virginia 11 $ 1,562,000 $ 142,000 $ 47,000
LaSalle, Illinois 10 $ 1,686,000 $ 168,600 $ 68,000
LaPorte, Indiana 10 $ 3,852,000 $ 385,200 $ 187,000
Bay, Michigan 10 $ 793,000 $ 79,300 $ 47,000
Cass, Michigan 10 $ 1,605,000 $ 160,500 $ 86,000
Cheboygan, Michigan 10 $ 2,250,000 $ 225,000 $ 486,000
Newaygo, Michigan 10 $ 1,269,000 $ 126,900 $ 70,000
Greene, Missouri 10 $ 913,000 $ 91,300 $ 47,000
Wilkes, North Carolina 10 $ 1,635,000 $ 163,500 $ 42,000
Clinton, Ohio 10 $ 1,226,000 $ 122,600 $ 58,000
Hardin, Ohio 10 $ 827,000 $ 82,700 $ 37,000
Perry, Ohio 10 $ 819,000 $ 81,900 $ 51,000
Caledonia, Vermont 10 $ 797,000 $ 79,700 $ 59,000
Orleans, Vermont 10 $ 843,000 $ 84,300 $ 56,000
Palm Beach, Florida 9 $ 2,484,000 $ 276,000 $ 300,000
Pinellas, Florida 9 $ 1,706,000 $ 189,555 $ 212,000
Mecosta, Michigan 9 $ 1,164,000 $ 129,333 $ 87,000
Burlington, New Jersey 9 $ 3,734,000 $ 414,888 $ 168,000
Crawford, Ohio 9 $ 966,000 $ 107,333 $ 47,000
Guernsey, Ohio 9 $ 918,000 $ 102,000 $ 73,000
Hocking, Ohio 9 $ 1,014,000 $ 112,666 $ 39,000
Shelby, Ohio 9 $ 1,568,000 $ 174,222 $ 63,000
Davidson, Tennessee 9 $ 1,901,000 $ 211,222 $ 62,000
New London, Connecticut 8 $ 1,709,000 $ 213,625 $ 120,000
Sussex, Delaware 8 $ 2,691,000 $ 336,375 $ 138,000
Suffolk, Massachusetts 8 $ 2,205,000 $ 275,625 $ 100,000
Gladwin, Michigan 8 $ 1,021,000 $ 127,625 $ 107,000
Oceana, Michigan 8 $ 2,235,000 $ 279,375 $ 146,000
Ogemaw, Michigan 8 $ 922,000 $ 115,250 $ 112,000
Hillsborough, New Hampshire 8 $ 1,588,000 $ 198,500 $ 144,000
Belmont, Ohio 8 $ 520,000 $ 65,000 $ 54,000
Armstrong, Pennsylvania 8 $ 765,000 $ 95,625 $ 45,000
Lehigh, Pennsylvania 8 $ 1,395,000 $ 174,375 $ 90,000
Bedford, Virginia 8 $ 1,545,000 $ 193,125 $ 141,000
Lynchburg, Virginia 8 $ 869,000 $ 108,625 $ 60,000
Spotsylvania, Virginia 8 $ 1,311,000 $ 163,875 $ 69,000
Kenosha, Wisconsin 8 $ 1,704,000 $ 213,000 $ 128,000
Sarasota, Florida 7 $ 1,130,000 $ 161,428 $ 234,000
Jo Daviess, Illinois 7 $ 1,057,000 $ 151,000 $ 155,000
St. Clair, Illinois 7 $ 649,000 $ 92,714 $ 52,000
Johnson, Indiana 7 $ 865,000 $ 123,571 $ 56,000
Wicomico, Maryland 7 $ 1,015,000 $ 145,000 $ 73,000
Bristol, Massachusetts 7 $ 914,000 $ 130,571 $ 98,000
Alcona, Michigan 7 $ 797,000 $ 113,857 $ 184,000
Manistee, Michigan 7 $ 1,033,000 $ 147,571 $ 73,000
Midland, Michigan 7 $ 577,000 $ 82,428 $ 76,000
Franklin, Missouri 7 $ 1,768,000 $ 252,571 $ 118,000
Clark, Nevada 7 $ 1,193,000 $ 170,428 $ 75,000
Richmond, New York 7 $ 1,472,000 $ 210,285 $ 164,000
Schuyler, New York 7 $ 406,000 $ 58,000 $ 64,000
Davie, North Carolina 7 $ 2,000,000 $ 285,714 $ 170,000
Marion, Ohio 7 $ 538,000 $ 76,857 $ 57,000
Adams, Pennsylvania 7 $ 809,000 $ 115,571 $ 64,000
Hamblen, Tennessee 7 $ 613,000 $ 87,571 $ 8,000
Goochland, Virginia 7 $ 1,925,000 $ 275,000 $ 114,000
Milwaukee, Wisconsin 7 $ 11,041,000 $ 1,577,285 $ 29,000
Orange, California 6 $ 2,799,000 $ 466,500 $ 194,000
Howard, Indiana 6 $ 406,000 $ 67,666 $ 39,000
Washington, Maryland 6 $ 758,000 $ 126,333 $ 36,000
Crawford, Michigan 6 $ 775,000 $ 129,166 $ 93,000
St. Francois, Missouri 6 $ 558,000 $ 93,000 $ 50,000
Merrimack, New Hampshire 6 $ 1,228,000 $ 204,666 $ 335,000
Alamance, North Carolina 6 $ 596,000 $ 99,333 $ 38,000
Durham, North Carolina 6 $ 1,869,000 $ 311,500 $ 143,000
Henderson, North Carolina 6 $ 805,000 $ 134,166 $ 27,000
Transylvania, North Carolina 6 $ 1,966,000 $ 327,666 $ 157,000
Harrison, Ohio 6 $ 384,000 $ 64,000 $ 47,000
Morrow, Ohio 6 $ 850,000 $ 141,666 $ 54,000
Seneca, Ohio 6 $ 1,130,000 $ 188,333 $ 63,000
Fayette, Pennsylvania 6 $ 668,000 $ 111,333 $ 92,000
Northampton, Pennsylvania 6 $ 870,000 $ 145,000 $ 67,000
Philadelphia, Pennsylvania 6 $ 1,781,000 $ 296,833 $ 133,000
Somerset, Pennsylvania 6 $ 430,000 $ 71,666 $ 58,000
Knox, Tennessee 6 $ 1,135,000 $ 189,166 $ 75,000
Gloucester, Virginia 6 $ 956,000 $ 159,333 $ 68,000
New Kent, Virginia 6 $ 750,000 $ 125,000 $ 56,000
Vilas, Wisconsin 6 $ 1,622,000 $ 270,333 $ 235,000
Litchfield, Connecticut 5 $ 818,000 $ 163,600 $ 65,000
Fulton, Georgia 5 $ 1,957,000 $ 391,400 $ 138,000
Dearborn, Indiana 5 $ 719,000 $ 143,800 $ 54,000
Madison, Indiana 5 $ 887,000 $ 177,400 $ 266,000
Fayette, Kentucky 5 $ 928,000 $ 185,600 $ 174,000
Talbot, Maryland 5 $ 866,000 $ 173,200 $ 67,000
Arenac, Michigan 5 $ 339,000 $ 67,800 $ 55,000
Benzie, Michigan 5 $ 954,000 $ 190,800 $ 120,000
Gratiot, Michigan 5 $ 943,000 $ 188,600 $ 197,000
Oscoda, Michigan 5 $ 485,000 $ 97,000 $ 104,000
Bronx, New York 5 $ 683,000 $ 136,600 $ 91,000
Currituck, North Carolina 5 $ 1,927,000 $ 385,400 $ 195,000
Dare, North Carolina 5 $ 1,921,000 $ 384,200 $ 141,000
Orange, North Carolina 5 $ 1,753,000 $ 350,600 $ 86,000
Randolph, North Carolina 5 $ 692,000 $ 138,400 $ 33,000
Washington, Ohio 5 $ 355,000 $ 71,000 $ 41,000
Williams, Ohio 5 $ 316,000 $ 63,200 $ 47,000
Pike, Pennsylvania 5 $ 670,000 $ 134,000 $ 48,000
Beaufort, South Carolina 5 $ 1,320,000 $ 264,000 $ 129,000
Laurens, South Carolina 5 $ 459,000 $ 91,800 $ 56,000
Campbell, Virginia 5 $ 715,000 $ 143,000 $ 67,000
Charlottesville, Virginia 5 $ 845,000 $ 169,000 $ 122,000
Isle of Wight, Virginia 5 $ 820,000 $ 164,000 $ 39,000
Roanoke City, Virginia 5 $ 595,000 $ 119,000 $ 71,000
Pima, Arizona 4 $ 864,000 $ 216,000 $ 227,000
Los Angeles, California 4 $ 1,602,000 $ 400,500 $ 100,000
Miami-Dade, Florida 4 $ 1,491,000 $ 372,750 $ 235,000
Chatham, Georgia 4 $ 554,000 $ 138,500 $ 0
Champaign, Illinois 4 $ 369,000 $ 92,250 $ 16,000
Iroquois, Illinois 4 $ 270,000 $ 67,500 $ 77,000
Allen, Indiana 4 $ 661,000 $ 165,250 $ 66,000
Clark, Indiana 4 $ 387,000 $ 96,750 $ 13,000
Monroe, Indiana 4 $ 3,324,000 $ 831,000 $ 58,000
Jefferson, Kentucky 4 $ 427,000 $ 106,750 $ 44,000
Garrett, Maryland 4 $ 800,000 $ 200,000 $ 73,000
Alpena, Michigan 4 $ 699,000 $ 174,750 $ 63,000
Branch, Michigan 4 $ 428,000 $ 107,000 $ 70,000
Iosco, Michigan 4 $ 469,000 $ 117,250 $ 37,000
Montmorency, Michigan 4 $ 392,000 $ 98,000 $ 99,000
Presque Isle, Michigan 4 $ 391,000 $ 97,750 $ 87,000
Gloucester, New Jersey 4 $ 650,000 $ 162,500 $ 90,000
New York, New York 4 $ 904,000 $ 226,000 $ 125,000
Davidson, North Carolina 4 $ 571,000 $ 142,750 $ 34,000
Stokes, North Carolina 4 $ 1,131,000 $ 282,750 $ 86,000
Athens, Ohio 4 $ 418,000 $ 104,500 $ 42,000
Jackson, Ohio 4 $ 225,000 $ 56,250 $ 47,000
Jefferson, Ohio 4 $ 552,000 $ 138,000 $ 72,000
Mercer, Ohio 4 $ 504,000 $ 126,000 $ 62,000
Putnam, Ohio 4 $ 318,000 $ 79,500 $ 46,000
Van Wert, Ohio 4 $ 371,000 $ 92,750 $ 47,000
Wyandot, Ohio 4 $ 354,000 $ 88,500 $ 48,000
Cambria, Pennsylvania 4 $ 339,000 $ 84,750 $ 50,000
Greene, Pennsylvania 4 $ 288,000 $ 72,000 $ 35,000
Lackawanna, Pennsylvania 4 $ 981,000 $ 245,250 $ 124,000
Lawrence, Pennsylvania 4 $ 492,000 $ 123,000 $ 38,000
Luzerne, Pennsylvania 4 $ 614,000 $ 153,500 $ 65,000
Kershaw, South Carolina 4 $ 557,000 $ 139,250 $ 59,000
Lancaster, South Carolina 4 $ 421,000 $ 105,250 $ 51,000
Oconee, South Carolina 4 $ 470,000 $ 117,500 $ 62,000
Shelby, Tennessee 4 $ 1,997,000 $ 499,250 $ 183,000
Dallas, Texas 4 $ 769,000 $ 192,250 $ 117,000
Harris, Texas 4 $ 495,000 $ 123,750 $ 111,000
Amelia, Virginia 4 $ 1,262,000 $ 315,500 $ 99,000
Hopewell, Virginia 4 $ 403,000 $ 100,750 $ 63,000
Rockingham, Virginia 4 $ 695,000 $ 173,750 $ 53,000
Williamsburg, Virginia 4 $ 798,000 $ 199,500 $ 107,000
Putnam, West Virginia 4 $ 749,000 $ 187,250 $ 53,000
Dane, Wisconsin 4 $ 6,200,000 $ 1,550,000 $ 142,000
Waukesha, Wisconsin 4 $ 11,532,000 $ 2,883,000 $ 104,000
Sacramento, California 3 $ 595,000 $ 198,333 $ 101,000
Kent, Delaware 3 $ 581,000 $ 193,666 $ 71,000
Duval, Florida 3 $ 643,000 $ 214,333 $ 21,000
Flagler, Florida 3 $ 431,000 $ 143,666 $ 100,000
Hillsborough, Florida 3 $ 214,000 $ 71,333 $ 116,000
Monroe, Florida 3 $ 901,000 $ 300,333 $ 980,000
Okaloosa, Florida 3 $ 1,287,000 $ 429,000 $ 103,000
Walton, Florida 3 $ 998,000 $ 332,666 $ 107,000
Cobb, Georgia 3 $ 793,000 $ 264,333 $ 77,000
DeKalb, Georgia 3 $ 1,349,000 $ 449,666 $ 175,000
Coles, Illinois 3 $ 460,000 $ 153,333 $ 45,000
Lee, Illinois 3 $ 217,000 $ 72,333 $ 42,000
Delaware, Indiana 3 $ 931,000 $ 310,333 $ 277,000
Morgan, Indiana 3 $ 157,000 $ 52,333 $ 83,000
Shelby, Indiana 3 $ 322,000 $ 107,333 $ 12,000
Worcester, Maryland 3 $ 427,000 $ 142,333 $ 86,000
Dukes, Massachusetts 3 $ 678,000 $ 226,000 $ 334,000
Chippewa, Michigan 3 $ 402,000 $ 134,000 $ 68,000
Kalkaska, Michigan 3 $ 618,000 $ 206,000 $ 100,000
Marquette, Michigan 3 $ 248,000 $ 82,666 $ 50,000
Mason, Michigan 3 $ 448,000 $ 149,333 $ 74,000
Clay, Missouri 3 $ 240,000 $ 80,000 $ 31,000
Essex, New Jersey 3 $ 390,000 $ 130,000 $ 197,000
Morris, New Jersey 3 $ 1,200,000 $ 400,000 $ 140,000
Burke, North Carolina 3 $ 710,000 $ 236,666 $ 218,000
Haywood, North Carolina 3 $ 943,000 $ 314,333 $ 116,000
Adams, Ohio 3 $ 250,000 $ 83,333 $ 68,000
Defiance, Ohio 3 $ 379,000 $ 126,333 $ 64,000
Highland, Ohio 3 $ 364,000 $ 121,333 $ 84,000
Monroe, Ohio 3 $ 251,000 $ 83,666 $ 56,000
Tulsa, Oklahoma 3 $ 568,000 $ 189,333 $ 119,000
Blair, Pennsylvania 3 $ 482,000 $ 160,666 $ 65,000
Bradford, Pennsylvania 3 $ 210,000 $ 70,000 $ 99,000
Franklin, Pennsylvania 3 $ 389,000 $ 129,666 $ 51,000
Abbeville, South Carolina 3 $ 300,000 $ 100,000 $ 52,000
Cherokee, South Carolina 3 $ 183,000 $ 61,000 $ 29,000
Dorchester, South Carolina 3 $ 589,000 $ 196,333 $ 86,000
Florence, South Carolina 3 $ 300,000 $ 100,000 $ 50,000
Georgetown, South Carolina 3 $ 1,468,000 $ 489,333 $ 170,000
Sumter, South Carolina 3 $ 334,000 $ 111,333 $ 36,000
Fauquier, Virginia 3 $ 641,000 $ 213,666 $ 55,000
Louisa, Virginia 3 $ 297,000 $ 99,000 $ 55,000
Petersburg, Virginia 3 $ 261,000 $ 87,000 $ 24,000
Powhatan, Virginia 3 $ 494,000 $ 164,666 $ 63,000
Prince George, Virginia 3 $ 332,000 $ 110,666 $ 42,000
Southampton, Virginia 3 $ 477,000 $ 159,000 $ 62,000
King, Washington 3 $ 1,041,000 $ 347,000 $ 149,000
Yavapai, Arizona 2 $ 300,000 $ 150,000 $ 96,000
Marin, California 2 $ 872,000 $ 436,000 $ 236,000
Napa, California 2 $ 409,000 $ 204,500 $ 87,000
Riverside, California 2 $ 353,000 $ 176,500 $ 686,000
Denver, Colorado 2 $ 770,000 $ 385,000 $ 152,000
Middlesex, Connecticut 2 $ 325,000 $ 162,500 $ 139,000
Brevard, Florida 2 $ 919,000 $ 459,500 $ 144,000
Manatee, Florida 2 $ 471,000 $ 235,500 $ 135,000
Marion, Florida 2 $ 155,000 $ 77,500 $ 61,000
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Mortgage Loan Application Detail Totals for Charter One Bank 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) 93,577 $11,386,179,000 $229,250 $4,800,000 $135,225 $7,472,000
Home Purchase (one-to-four family) 22,870 $3,696,672,000 $197,722 $2,210,000 $104,944 $5,097,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 242 $299,573,000 $2,210,875 $16,800,000 $0 $0
Home Improvement (one-to-four family) 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 91,221 $11,991,812,000 $226,512 $4,000,000 $146,048 $7,472,000
Information not provided by applicant in mail or telephone application 9,608 $1,227,010,000 $253,620 $16,800,000 $86,931 $2,991,000
Black 6,300 $631,600,000 $139,904 $2,198,000 $82,190 $6,566,000
Asian or Pacific Islander 3,909 $643,972,000 $219,629 $1,200,000 $108,259 $1,500,000
Hispanic 3,371 $393,234,000 $148,285 $1,945,000 $88,904 $589,000
Other 1,375 $158,554,000 $196,615 $2,228,000 $76,000 $3,297,000
Not applicable 596 $297,020,000 $642,714 $9,490,000 $904 $179,000
American Indian or Alaskan Native 309 $39,222,000 $141,133 $1,000,000 $112,800 $2,840,000

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) 114,734 $15,194,459,000 $248,463 $16,800,000 $132,121 $7,472,000
FHA-insured (Federal Housing Administration) 1,493 $141,112,000 $138,000 $440,000 $36,375 $238,000
VA-guaranteed (Veterans Administration) 387 $37,217,000 $112,285 $244,000 $54,000 $151,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 75 $9,636,000 $98,400 $322,000 $47,400 $162,000

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 80,967 $10,895,857,000 $282,325 $16,800,000 $136,175 $7,472,000
Application Denied By Financial Institution 11,772 $1,201,367,000 $126,730 $4,800,000 $65,538 $4,931,000
Application Approved But Not Accepted 10,776 $1,207,031,000 $165,960 $5,350,000 $113,360 $6,866,000
Loan Purchased By The Institution 8,483 $1,387,096,000 $251,289 $2,228,000 $121,157 $5,097,000
File Closed For Incompleteness 2,583 $349,117,000 $171,526 $990,000 $80,842 $688,000
Application Withdrawn By Applicant 2,108 $341,956,000 $194,300 $4,500,000 $84,950 $1,576,000

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 4,976 $455,936,000 $110,263 $1,374,000 $64,210 $4,931,000
Debt-To-Income Ratio 3,577 $408,677,000 $131,647 $1,500,000 $41,882 $562,000
Collateral 1,755 $180,425,000 $119,529 $1,325,000 $73,529 $1,000,000
Other 1,179 $122,359,000 $130,590 $4,800,000 $83,272 $3,799,000
Employment History 123 $10,626,000 $90,500 $500,000 $42,300 $500,000
Unverifiable Information 105 $13,668,000 $126,714 $800,000 $51,571 $320,000
Insufficient Cash (Downpayment, Closing Cost) 45 $7,546,000 $145,000 $640,000 $62,250 $237,000
Credit Application Incomplete 12 $2,130,000 $167,400 $394,000 $53,400 $160,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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