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Act (HMDA) records Charter One Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 6,643 | $ 569,035,000 | $ 85,659 | $ 79,000 |
| Cleveland-Elyria-Mentor, OH | 4,630 | $ 275,274,000 | $ 59,454 | $ 70,000 |
| Warren-Troy-Farmington Hills, MI | 4,386 | $ 293,981,000 | $ 67,027 | $ 87,000 |
| Detroit-Livonia-Dearborn, MI | 4,097 | $ 187,801,000 | $ 45,838 | $ 63,000 |
| Indianapolis-Carmel, IN | 2,853 | $ 142,414,000 | $ 49,917 | $ 64,000 |
| Toledo, OH | 2,149 | $ 109,580,000 | $ 50,991 | $ 59,000 |
| Akron, OH | 1,520 | $ 91,346,000 | $ 60,096 | $ 70,000 |
| Canton-Massillon, OH | 1,056 | $ 57,281,000 | $ 54,243 | $ 59,000 |
| Philadelphia, PA | 891 | $ 89,886,000 | $ 100,882 | $ 94,000 |
| Columbus, OH | 871 | $ 79,180,000 | $ 90,907 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 696 | $ 101,649,000 | $ 146,047 | $ 116,831 |
| Baltimore-Towson, MD | 653 | $ 80,246,000 | $ 122,888 | $ 86,000 |
| Cincinnati-Middletown, OH-KY-IN | 631 | $ 71,868,000 | $ 113,895 | $ 76,629 |
| New York-White Plains-Wayne, NY-NJ | 601 | $ 96,793,000 | $ 161,053 | $ 95,652 |
| Atlanta-Sandy Springs-Marietta, GA | 587 | $ 69,102,000 | $ 117,720 | $ 74,000 |
| Los Angeles-Long Beach-Glendale, CA | 583 | $ 134,436,000 | $ 230,593 | $ 91,000 |
| Pittsburgh, PA | 547 | $ 35,601,000 | $ 65,084 | $ 58,000 |
| Rochester, NY | 536 | $ 48,643,000 | $ 90,751 | $ 74,000 |
| Nassau-Suffolk, NY | 486 | $ 77,560,000 | $ 159,588 | $ 83,000 |
| Youngstown-Warren-Boardman, OH-PA | 484 | $ 24,820,000 | $ 51,280 | $ 62,739 |
| Phoenix-Mesa-Scottsdale, AZ | 482 | $ 59,300,000 | $ 123,029 | $ 72,000 |
| Charlotte-Gastonia-Concord, NC-SC | 475 | $ 59,749,000 | $ 125,787 | $ 86,515 |
| Albany-Schenectady-Troy, NY | 453 | $ 55,017,000 | $ 121,450 | $ 80,000 |
| Edison, NJ | 400 | $ 41,569,000 | $ 103,922 | $ 105,000 |
| Riverside-San Bernardino-Ontario, CA | 395 | $ 51,988,000 | $ 131,615 | $ 79,000 |
| Boston-Quincy, MA | 360 | $ 43,790,000 | $ 121,638 | $ 109,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 348 | $ 33,999,000 | $ 97,698 | $ 95,235 |
| Buffalo-Niagara Falls, NY | 314 | $ 23,835,000 | $ 75,907 | $ 63,000 |
| Santa Ana-Anaheim-Irvine, CA | 312 | $ 71,996,000 | $ 230,756 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 305 | $ 51,706,000 | $ 169,527 | $ 93,000 |
| Kalamazoo-Portage, MI | 298 | $ 17,965,000 | $ 60,285 | $ 86,000 |
| St. Louis, MO-IL | 294 | $ 25,069,000 | $ 85,268 | $ 59,673 |
| Camden, NJ | 290 | $ 21,522,000 | $ 74,213 | $ 119,000 |
| Newark-Union, NJ-PA | 284 | $ 31,088,000 | $ 109,464 | $ 96,507 |
| Ann Arbor, MI | 278 | $ 22,757,000 | $ 81,859 | $ 82,000 |
| Lansing-East Lansing, MI | 278 | $ 14,579,000 | $ 52,442 | $ 81,000 |
| Richmond, VA | 272 | $ 32,675,000 | $ 120,128 | $ 89,000 |
| San Diego-Carlsbad-San Marcos, CA | 271 | $ 50,513,000 | $ 186,394 | $ 68,000 |
| Denver-Aurora, CO | 259 | $ 30,531,000 | $ 117,880 | $ 69,000 |
| Portland-Vancouver-Beaverton, OR-WA | 249 | $ 28,567,000 | $ 114,726 | $ 80,939 |
| Lake County-Kenosha County, IL-WI | 248 | $ 32,451,000 | $ 130,850 | $ 126,870 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 242 | $ 29,163,000 | $ 120,508 | $ 76,966 |
| Monroe, MI | 241 | $ 13,239,000 | $ 54,933 | $ 74,000 |
| Bethesda-Gaithersburg-Frederick, MD | 238 | $ 35,863,000 | $ 150,684 | $ 104,000 |
| Orlando-Kissimmee, FL | 236 | $ 23,518,000 | $ 99,652 | $ 49,000 |
| Dayton, OH | 232 | $ 22,576,000 | $ 97,310 | $ 65,000 |
| Providence-New Bedford-Fall River, RI-MA | 225 | $ 25,294,000 | $ 112,417 | $ 100,422 |
| Tampa-St. Petersburg-Clearwater, FL | 217 | $ 23,965,000 | $ 110,437 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 213 | $ 29,872,000 | $ 140,244 | $ 111,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 206 | $ 30,495,000 | $ 148,033 | $ 95,000 |
| Grand Rapids-Wyoming, MI | 205 | $ 20,099,000 | $ 98,043 | $ 69,000 |
| Oakland-Fremont-Hayward, CA | 197 | $ 37,787,000 | $ 191,812 | $ 97,000 |
| Lafayette, IN | 187 | $ 8,938,000 | $ 47,796 | $ 62,000 |
| Fort Wayne, IN | 172 | $ 3,717,000 | $ 21,610 | $ 44,000 |
| Harrisburg-Carlisle, PA | 170 | $ 12,289,000 | $ 72,288 | $ 59,000 |
| Las Vegas-Paradise, NV | 166 | $ 20,535,000 | $ 123,704 | $ 58,000 |
| Hartford-West Hartford-East Hartford, CT | 157 | $ 12,082,000 | $ 76,955 | $ 104,000 |
| Anderson, IN | 156 | $ 3,815,000 | $ 24,455 | $ 38,000 |
| Gary, IN | 152 | $ 10,065,000 | $ 66,217 | $ 62,000 |
| Tucson, AZ | 151 | $ 14,262,000 | $ 94,450 | $ 67,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 144 | $ 24,920,000 | $ 173,055 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 141 | $ 30,933,000 | $ 219,382 | $ 93,000 |
| Syracuse, NY | 140 | $ 12,146,000 | $ 86,757 | $ 81,000 |
| Wilmington, DE-MD-NJ | 130 | $ 12,481,000 | $ 96,007 | $ 77,846 |
| Allentown-Bethlehem-Easton, PA-NJ | 126 | $ 10,187,000 | $ 80,849 | $ 95,095 |
| Poughkeepsie-Newburgh-Middletown, NY | 126 | $ 12,558,000 | $ 99,666 | $ 81,000 |
| Greenville, SC | 119 | $ 12,819,000 | $ 107,722 | $ 60,000 |
| Flint, MI | 117 | $ 8,548,000 | $ 73,059 | $ 83,000 |
| Kansas City, MO-KS | 115 | $ 11,887,000 | $ 103,365 | $ 82,991 |
| Salt Lake City, UT | 115 | $ 11,824,000 | $ 102,817 | $ 71,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 115 | $ 22,608,000 | $ 196,591 | $ 72,000 |
| Jackson, MI | 111 | $ 6,314,000 | $ 56,882 | $ 50,000 |
| Bridgeport-Stamford-Norwalk, CT | 107 | $ 16,230,000 | $ 151,682 | $ 176,000 |
| Jacksonville, FL | 106 | $ 10,730,000 | $ 101,226 | $ 61,000 |
| New Haven-Milford, CT | 105 | $ 8,741,000 | $ 83,247 | $ 95,000 |
| Dallas-Plano-Irving, TX | 104 | $ 20,242,000 | $ 194,634 | $ 0 |
| Rockingham County-Strafford County, NH | 102 | $ 11,279,000 | $ 110,578 | $ 95,000 |
| San Francisco-San Mateo-Redwood City, CA | 102 | $ 26,482,000 | $ 259,627 | $ 117,000 |
| Worcester, MA | 102 | $ 8,972,000 | $ 87,960 | $ 110,000 |
| Miami-Miami Beach-Kendall, FL | 101 | $ 20,434,000 | $ 202,316 | $ 81,000 |
| Houston-Sugar Land-Baytown, TX | 100 | $ 39,608,000 | $ 396,080 | $ 1,000 |
| Springfield, MA | 99 | $ 7,169,000 | $ 72,414 | $ 77,000 |
| Tacoma, WA | 99 | $ 10,870,000 | $ 109,797 | $ 85,000 |
| Essex County, MA | 96 | $ 14,513,000 | $ 151,177 | $ 137,000 |
| Raleigh-Cary, NC | 95 | $ 9,837,000 | $ 103,547 | $ 75,000 |
| Winston-Salem, NC | 94 | $ 8,696,000 | $ 92,510 | $ 85,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 89 | $ 19,348,000 | $ 217,393 | $ 93,000 |
| Bakersfield, CA | 82 | $ 7,302,000 | $ 89,048 | $ 64,000 |
| Louisville-Jefferson County, KY-IN | 81 | $ 8,638,000 | $ 106,641 | $ 76,518 |
| Saginaw-Saginaw Township North, MI | 81 | $ 3,690,000 | $ 45,555 | $ 66,000 |
| Milwaukee-Waukesha-West Allis, WI | 78 | $ 11,395,000 | $ 146,089 | $ 65,000 |
| Bloomington, IN | 76 | $ 4,422,000 | $ 58,184 | $ 74,000 |
| York-Hanover, PA | 76 | $ 5,775,000 | $ 75,986 | $ 66,000 |
| Fresno, CA | 70 | $ 7,431,000 | $ 106,157 | $ 91,000 |
| Greensboro-High Point, NC | 70 | $ 7,243,000 | $ 103,471 | $ 62,000 |
| Manchester-Nashua, NH | 67 | $ 8,529,000 | $ 127,298 | $ 116,000 |
| Reading, PA | 65 | $ 4,666,000 | $ 71,784 | $ 64,000 |
| Provo-Orem, UT | 64 | $ 4,872,000 | $ 76,125 | $ 72,000 |
| Lancaster, PA | 63 | $ 4,453,000 | $ 70,682 | $ 79,000 |
| Colorado Springs, CO | 62 | $ 6,703,000 | $ 108,112 | $ 72,000 |
| Stockton, CA | 61 | $ 8,064,000 | $ 132,196 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 59 | $ 10,798,000 | $ 183,016 | $ 84,000 |
| Sarasota-Bradenton-Venice, FL | 58 | $ 10,130,000 | $ 174,655 | $ 58,000 |
| Barnstable Town, MA | 57 | $ 9,374,000 | $ 164,456 | $ 115,000 |
| Oklahoma City, OK | 57 | $ 11,953,000 | $ 209,701 | $ 71,000 |
| Boise City-Nampa, ID | 55 | $ 3,078,000 | $ 55,963 | $ 82,000 |
| Palm Bay-Melbourne-Titusville, FL | 54 | $ 6,293,000 | $ 116,537 | $ 61,000 |
| Scranton--Wilkes-Barre, PA | 54 | $ 3,629,000 | $ 67,203 | $ 71,000 |
| Glens Falls, NY | 53 | $ 4,740,000 | $ 89,433 | $ 62,000 |
| Reno-Sparks, NV | 53 | $ 8,297,000 | $ 156,547 | $ 70,000 |
| Asheville, NC | 49 | $ 4,120,000 | $ 84,081 | $ 80,000 |
| Battle Creek, MI | 49 | $ 2,784,000 | $ 56,816 | $ 50,000 |
| Modesto, CA | 49 | $ 7,121,000 | $ 145,326 | $ 78,000 |
| Holland-Grand Haven, MI | 48 | $ 4,612,000 | $ 96,083 | $ 66,000 |
| Austin-Round Rock, TX | 46 | $ 12,028,000 | $ 261,478 | $ 0 |
| Trenton-Ewing, NJ | 45 | $ 4,646,000 | $ 103,244 | $ 105,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 44 | $ 5,500,000 | $ 125,000 | $ 67,000 |
| Fort Worth-Arlington, TX | 44 | $ 5,066,000 | $ 115,136 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 43 | $ 5,523,000 | $ 128,441 | $ 32,000 |
| Eugene-Springfield, OR | 42 | $ 5,006,000 | $ 119,190 | $ 67,000 |
| Ogden-Clearfield, UT | 42 | $ 3,218,000 | $ 76,619 | $ 68,000 |
| Norwich-New London, CT | 41 | $ 3,072,000 | $ 74,926 | $ 111,000 |
| Pensacola-Ferry Pass-Brent, FL | 41 | $ 5,206,000 | $ 126,975 | $ 43,000 |
| Erie, PA | 40 | $ 3,248,000 | $ 81,200 | $ 52,000 |
| Naples-Marco Island, FL | 40 | $ 16,558,000 | $ 413,950 | $ 95,000 |
| Spartanburg, SC | 40 | $ 4,432,000 | $ 110,800 | $ 61,000 |
| Hickory-Lenoir-Morganton, NC | 39 | $ 4,483,000 | $ 114,948 | $ 65,000 |
| Huntington-Ashland, WV-KY-OH | 39 | $ 1,388,000 | $ 35,589 | $ 49,512 |
| Portland-South Portland-Biddeford, ME | 39 | $ 3,340,000 | $ 85,641 | $ 106,000 |
| Atlantic City, NJ | 38 | $ 4,816,000 | $ 126,736 | $ 81,000 |
| Savannah, GA | 37 | $ 3,458,000 | $ 93,459 | $ 71,000 |
| Springfield, OH | 36 | $ 4,044,000 | $ 112,333 | $ 62,000 |
| Santa Rosa-Petaluma, CA | 34 | $ 6,026,000 | $ 177,235 | $ 94,000 |
| Spokane, WA | 34 | $ 3,198,000 | $ 94,058 | $ 74,000 |
| Vallejo-Fairfield, CA | 34 | $ 6,268,000 | $ 184,352 | $ 80,000 |
| Roanoke, VA | 33 | $ 4,329,000 | $ 131,181 | $ 128,000 |
| Altoona, PA | 32 | $ 1,863,000 | $ 58,218 | $ 56,000 |
| Terre Haute, IN | 32 | $ 2,481,000 | $ 77,531 | $ 52,000 |
| Boulder, CO | 31 | $ 4,140,000 | $ 133,548 | $ 82,000 |
| Columbia, SC | 31 | $ 3,414,000 | $ 110,129 | $ 45,000 |
| Salem, OR | 31 | $ 2,574,000 | $ 83,032 | $ 76,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 30 | $ 4,562,000 | $ 152,066 | $ 64,000 |
| Kankakee-Bradley, IL | 30 | $ 1,588,000 | $ 52,933 | $ 60,000 |
| Olympia, WA | 30 | $ 3,605,000 | $ 120,166 | $ 80,000 |
| Port St. Lucie-Fort Pierce, FL | 30 | $ 2,632,000 | $ 87,733 | $ 59,000 |
| Sandusky, OH | 30 | $ 2,836,000 | $ 94,533 | $ 72,000 |
| Utica-Rome, NY | 30 | $ 2,074,000 | $ 69,133 | $ 65,000 |
| Kingston, NY | 29 | $ 4,095,000 | $ 141,206 | $ 69,000 |
| Prescott, AZ | 29 | $ 2,114,000 | $ 72,896 | $ 54,000 |
| San Antonio, TX | 29 | $ 4,358,000 | $ 150,275 | $ 2,000 |
| Bremerton-Silverdale, WA | 28 | $ 2,716,000 | $ 97,000 | $ 91,000 |
| Charlottesville, VA | 28 | $ 3,232,000 | $ 115,428 | $ 49,000 |
| Lakeland, FL | 28 | $ 3,367,000 | $ 120,250 | $ 66,000 |
| New Orleans-Metairie-Kenner, LA | 28 | $ 3,429,000 | $ 122,464 | $ 0 |
| Tulsa, OK | 28 | $ 3,335,000 | $ 119,107 | $ 63,000 |
| Knoxville, TN | 27 | $ 3,151,000 | $ 116,703 | $ 13,000 |
| Santa Barbara-Santa Maria, CA | 27 | $ 5,445,000 | $ 201,666 | $ 74,000 |
| Wichita, KS | 27 | $ 2,547,000 | $ 94,333 | $ 63,000 |
| Wilmington, NC | 27 | $ 3,782,000 | $ 140,074 | $ 84,000 |
| Muncie, IN | 26 | $ 2,527,000 | $ 97,192 | $ 80,000 |
| Niles-Benton Harbor, MI | 26 | $ 2,151,000 | $ 82,730 | $ 91,000 |
| Ocala, FL | 26 | $ 3,157,000 | $ 121,423 | $ 65,000 |
| South Bend-Mishawaka, IN-MI | 26 | $ 1,365,000 | $ 52,500 | $ 67,076 |
| Binghamton, NY | 25 | $ 1,701,000 | $ 68,040 | $ 55,000 |
| Durham, NC | 25 | $ 4,365,000 | $ 174,600 | $ 82,000 |
| Dover, DE | 24 | $ 2,776,000 | $ 115,666 | $ 66,000 |
| Lebanon, PA | 24 | $ 1,462,000 | $ 60,916 | $ 67,000 |
| Salinas, CA | 24 | $ 5,171,000 | $ 215,458 | $ 63,000 |
| Yuma, AZ | 24 | $ 979,000 | $ 40,791 | $ 44,000 |
| Birmingham-Hoover, AL | 23 | $ 8,178,000 | $ 355,565 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 23 | $ 2,099,000 | $ 91,260 | $ 55,043 |
| Mansfield, OH | 23 | $ 2,757,000 | $ 119,869 | $ 67,000 |
| Redding, CA | 23 | $ 1,824,000 | $ 79,304 | $ 95,000 |
| State College, PA | 23 | $ 1,449,000 | $ 63,000 | $ 57,000 |
| Flagstaff, AZ | 22 | $ 1,690,000 | $ 76,818 | $ 70,000 |
| Memphis, TN-MS-AR | 22 | $ 4,019,000 | $ 182,681 | $ 26,318 |
| St. George, UT | 22 | $ 1,958,000 | $ 89,000 | $ 38,000 |
| Fort Collins-Loveland, CO | 21 | $ 2,723,000 | $ 129,666 | $ 50,000 |
| Madison, WI | 21 | $ 2,180,000 | $ 103,809 | $ 103,000 |
| Tallahassee, FL | 21 | $ 2,123,000 | $ 101,095 | $ 45,000 |
| Albuquerque, NM | 20 | $ 4,704,000 | $ 235,200 | $ 0 |
| Bend, OR | 20 | $ 3,775,000 | $ 188,750 | $ 44,000 |
| Burlington-South Burlington, VT | 20 | $ 2,884,000 | $ 144,200 | $ 90,000 |
| Little Rock-North Little Rock, AR | 20 | $ 2,941,000 | $ 147,050 | $ 86,000 |
| Anderson, SC | 19 | $ 2,395,000 | $ 126,052 | $ 69,000 |
| Chico, CA | 19 | $ 1,593,000 | $ 83,842 | $ 76,000 |
| Merced, CA | 19 | $ 1,474,000 | $ 77,578 | $ 66,000 |
| Rockford, IL | 19 | $ 952,000 | $ 50,105 | $ 52,000 |
| San Luis Obispo-Paso Robles, CA | 19 | $ 4,501,000 | $ 236,894 | $ 169,000 |
| Vineland-Millville-Bridgeton, NJ | 19 | $ 1,135,000 | $ 59,736 | $ 86,000 |
| Augusta-Richmond County, GA-SC | 18 | $ 1,687,000 | $ 93,722 | $ 61,888 |
| Bellingham, WA | 18 | $ 1,532,000 | $ 85,111 | $ 57,000 |
| Gainesville, FL | 18 | $ 741,000 | $ 41,166 | $ 66,000 |
| Visalia-Porterville, CA | 18 | $ 1,174,000 | $ 65,222 | $ 97,000 |
| Duluth, MN-WI | 17 | $ 895,000 | $ 52,647 | $ 58,411 |
| Lynchburg, VA | 17 | $ 1,414,000 | $ 83,176 | $ 111,000 |
| Medford, OR | 17 | $ 1,502,000 | $ 88,352 | $ 100,000 |
| Ocean City, NJ | 17 | $ 1,708,000 | $ 100,470 | $ 58,000 |
| Evansville, IN-KY | 16 | $ 1,101,000 | $ 68,812 | $ 48,375 |
| Muskegon-Norton Shores, MI | 16 | $ 1,223,000 | $ 76,437 | $ 47,000 |
| Peoria, IL | 16 | $ 1,005,000 | $ 62,812 | $ 51,000 |
| Davenport-Moline-Rock Island, IA-IL | 15 | $ 1,342,000 | $ 89,466 | $ 39,200 |
| Kennewick-Richland-Pasco, WA | 15 | $ 832,000 | $ 55,466 | $ 83,000 |
| Winchester, VA-WV | 15 | $ 1,876,000 | $ 125,066 | $ 192,266 |
| Athens-Clarke County, GA | 14 | $ 2,237,000 | $ 159,785 | $ 79,000 |
| El Paso, TX | 14 | $ 329,000 | $ 23,500 | $ 5,000 |
| Elmira, NY | 14 | $ 1,153,000 | $ 82,357 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 14 | $ 2,457,000 | $ 175,500 | $ 69,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 1,642,000 | $ 117,285 | $ 71,000 |
| Punta Gorda, FL | 14 | $ 762,000 | $ 54,428 | $ 33,000 |
| Baton Rouge, LA | 13 | $ 3,314,000 | $ 254,923 | $ 0 |
| Columbus, GA-AL | 13 | $ 699,000 | $ 53,769 | $ 74,769 |
| Greeley, CO | 13 | $ 637,000 | $ 49,000 | $ 52,000 |
| Lima, OH | 13 | $ 974,000 | $ 74,923 | $ 72,000 |
| Racine, WI | 13 | $ 550,000 | $ 42,307 | $ 205,000 |
| Bay City, MI | 12 | $ 1,052,000 | $ 87,666 | $ 74,000 |
| Coeur D'Alene, ID | 12 | $ 1,544,000 | $ 128,666 | $ 46,000 |
| Columbus, IN | 12 | $ 926,000 | $ 77,166 | $ 65,000 |
| Hanford-Corcoran, CA | 12 | $ 603,000 | $ 50,250 | $ 85,000 |
| Lexington-Fayette, KY | 12 | $ 1,874,000 | $ 156,166 | $ 63,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 12 | $ 1,382,000 | $ 115,166 | $ 68,000 |
| Springfield, IL | 12 | $ 895,000 | $ 74,583 | $ 164,000 |
| Springfield, MO | 12 | $ 1,523,000 | $ 126,916 | $ 60,000 |
| Wheeling, WV-OH | 12 | $ 1,140,000 | $ 95,000 | $ 58,666 |
| Charleston-North Charleston, SC | 11 | $ 3,509,000 | $ 319,000 | $ 53,000 |
| Elkhart-Goshen, IN | 11 | $ 912,000 | $ 82,909 | $ 65,000 |
| Harrisonburg, VA | 11 | $ 868,000 | $ 78,909 | $ 80,000 |
| Jacksonville, NC | 11 | $ 569,000 | $ 51,727 | $ 18,000 |
| Mount Vernon-Anacortes, WA | 11 | $ 661,000 | $ 60,090 | $ 104,000 |
| Wenatchee, WA | 11 | $ 827,000 | $ 75,181 | $ 105,000 |
| Billings, MT | 10 | $ 2,828,000 | $ 282,800 | $ 52,000 |
| Champaign-Urbana, IL | 10 | $ 963,000 | $ 96,300 | $ 83,000 |
| Chattanooga, TN-GA | 10 | $ 1,144,000 | $ 114,400 | $ 43,500 |
| Fayetteville, NC | 10 | $ 682,000 | $ 68,200 | $ 58,000 |
| Killeen-Temple-Fort Hood, TX | 10 | $ 272,000 | $ 27,200 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 10 | $ 3,507,000 | $ 350,700 | $ 24,000 |
| Panama City-Lynn Haven, FL | 10 | $ 1,183,000 | $ 118,300 | $ 68,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 1,364,000 | $ 136,400 | $ 92,000 |
| Weirton-Steubenville, WV-OH | 10 | $ 723,000 | $ 72,300 | $ 40,000 |
| Bloomington-Normal, IL | 9 | $ 2,036,000 | $ 226,222 | $ 62,000 |
| Fort Smith, AR-OK | 9 | $ 440,000 | $ 48,888 | $ 62,333 |
| Green Bay, WI | 9 | $ 1,739,000 | $ 193,222 | $ 49,000 |
| Johnstown, PA | 9 | $ 484,000 | $ 53,777 | $ 40,000 |
| Las Cruces, NM | 9 | $ 1,239,000 | $ 137,666 | $ 0 |
| Madera, CA | 9 | $ 1,001,000 | $ 111,222 | $ 65,000 |
| Napa, CA | 9 | $ 1,174,000 | $ 130,444 | $ 86,000 |
| Rochester, MN | 9 | $ 532,000 | $ 59,111 | $ 57,000 |
| Salisbury, MD | 9 | $ 1,073,000 | $ 119,222 | $ 92,000 |
| Sebastian-Vero Beach, FL | 9 | $ 1,641,000 | $ 182,333 | $ 39,000 |
| Yuba City, CA | 9 | $ 378,000 | $ 42,000 | $ 76,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 534,000 | $ 66,750 | $ 68,000 |
| Corvallis, OR | 8 | $ 384,000 | $ 48,000 | $ 78,000 |
| Florence, SC | 8 | $ 744,000 | $ 93,000 | $ 49,000 |
| Gainesville, GA | 8 | $ 1,369,000 | $ 171,125 | $ 34,000 |
| Grand Junction, CO | 8 | $ 462,000 | $ 57,750 | $ 84,000 |
| Honolulu, HI | 8 | $ 3,305,000 | $ 413,125 | $ 0 |
| Lewiston-Auburn, ME | 8 | $ 389,000 | $ 48,625 | $ 59,000 |
| Logan, UT-ID | 8 | $ 370,000 | $ 46,250 | $ 40,250 |
| Missoula, MT | 8 | $ 998,000 | $ 124,750 | $ 67,000 |
| Mobile, AL | 8 | $ 1,080,000 | $ 135,000 | $ 4,000 |
| Albany, GA | 7 | $ 563,000 | $ 80,428 | $ 68,000 |
| Burlington, NC | 7 | $ 554,000 | $ 79,142 | $ 38,000 |
| Casper, WY | 7 | $ 642,000 | $ 91,714 | $ 77,000 |
| Danville, IL | 7 | $ 286,000 | $ 40,857 | $ 49,000 |
| Fargo, ND-MN | 7 | $ 310,000 | $ 44,285 | $ 81,714 |
| Ithaca, NY | 7 | $ 600,000 | $ 85,714 | $ 77,000 |
| Jackson, MS | 7 | $ 2,268,000 | $ 324,000 | $ 0 |
| Lincoln, NE | 7 | $ 376,000 | $ 53,714 | $ 66,000 |
| Longview, WA | 7 | $ 588,000 | $ 84,000 | $ 76,000 |
| Macon, GA | 7 | $ 560,000 | $ 80,000 | $ 106,000 |
| Sheboygan, WI | 7 | $ 1,476,000 | $ 210,857 | $ 81,000 |
| Amarillo, TX | 6 | $ 113,000 | $ 18,833 | $ 0 |
| Appleton, WI | 6 | $ 1,866,000 | $ 311,000 | $ 51,000 |
| Bangor, ME | 6 | $ 499,000 | $ 83,166 | $ 162,000 |
| Brunswick, GA | 6 | $ 193,000 | $ 32,166 | $ 45,000 |
| Carson City, NV | 6 | $ 561,000 | $ 93,500 | $ 83,000 |
| Cumberland, MD-WV | 6 | $ 197,000 | $ 32,833 | $ 50,833 |
| Elizabethtown, KY | 6 | $ 441,000 | $ 73,500 | $ 86,000 |
| Idaho Falls, ID | 6 | $ 409,000 | $ 68,166 | $ 34,000 |
| Lafayette, LA | 6 | $ 975,000 | $ 162,500 | $ 0 |
| Lawrence, KS | 6 | $ 298,000 | $ 49,666 | $ 52,000 |
| Pueblo, CO | 6 | $ 380,000 | $ 63,333 | $ 58,000 |
| Shreveport-Bossier City, LA | 6 | $ 200,000 | $ 33,333 | $ 0 |
| St. Cloud, MN | 6 | $ 404,000 | $ 67,333 | $ 56,000 |
| Sumter, SC | 6 | $ 473,000 | $ 78,833 | $ 38,000 |
| Waco, TX | 6 | $ 123,000 | $ 20,500 | $ 0 |
| Williamsport, PA | 6 | $ 264,000 | $ 44,000 | $ 70,000 |
| Danville, VA | 5 | $ 312,000 | $ 62,400 | $ 62,000 |
| Decatur, IL | 5 | $ 299,000 | $ 59,800 | $ 66,000 |
| Des Moines-West Des Moines, IA | 5 | $ 558,000 | $ 111,600 | $ 0 |
| El Centro, CA | 5 | $ 391,000 | $ 78,200 | $ 69,000 |
| Greenville, NC | 5 | $ 255,000 | $ 51,000 | $ 25,000 |
| Jefferson City, MO | 5 | $ 196,000 | $ 39,200 | $ 77,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 1,089,000 | $ 217,800 | $ 0 |
| Owensboro, KY | 5 | $ 378,000 | $ 75,600 | $ 64,000 |
| Pittsfield, MA | 5 | $ 172,000 | $ 34,400 | $ 49,000 |
| Rapid City, SD | 5 | $ 323,000 | $ 64,600 | $ 83,000 |
| Santa Fe, NM | 5 | $ 2,314,000 | $ 462,800 | $ 0 |
| St. Joseph, MO-KS | 5 | $ 213,000 | $ 42,600 | $ 60,000 |
| Topeka, KS | 5 | $ 201,000 | $ 40,200 | $ 58,000 |
| Yakima, WA | 5 | $ 296,000 | $ 59,200 | $ 74,000 |
| Anniston-Oxford, AL | 4 | $ 122,000 | $ 30,500 | $ 0 |
| Beaumont-Port Arthur, TX | 4 | $ 562,000 | $ 140,500 | $ 0 |
| Cheyenne, WY | 4 | $ 195,000 | $ 48,750 | $ 98,000 |
| Columbia, MO | 4 | $ 1,865,000 | $ 466,250 | $ 48,000 |
| Eau Claire, WI | 4 | $ 336,000 | $ 84,000 | $ 121,000 |
| Grand Forks, ND-MN | 4 | $ 182,000 | $ 45,500 | $ 19,500 |
| Huntsville, AL | 4 | $ 760,000 | $ 190,000 | $ 0 |
| Joplin, MO | 4 | $ 1,327,000 | $ 331,750 | $ 110,000 |
| La Crosse, WI-MN | 4 | $ 238,000 | $ 59,500 | $ 63,000 |
| Lubbock, TX | 4 | $ 1,780,000 | $ 445,000 | $ 0 |
| Michigan City-La Porte, IN | 4 | $ 313,000 | $ 78,250 | $ 56,000 |
| Oshkosh-Neenah, WI | 4 | $ 165,000 | $ 41,250 | $ 94,000 |
| Rocky Mount, NC | 4 | $ 234,000 | $ 58,500 | $ 37,000 |
| Rome, GA | 4 | $ 348,000 | $ 87,000 | $ 178,000 |
| Sioux Falls, SD | 4 | $ 165,000 | $ 41,250 | $ 99,000 |
| Tuscaloosa, AL | 4 | $ 662,000 | $ 165,500 | $ 4,000 |
| Bismarck, ND | 3 | $ 52,000 | $ 17,333 | $ 0 |
| Brownsville-Harlingen, TX | 3 | $ 1,816,000 | $ 605,333 | $ 0 |
| Clarksville, TN-KY | 3 | $ 228,000 | $ 76,000 | $ 83,000 |
| Corpus Christi, TX | 3 | $ 681,000 | $ 227,000 | $ 0 |
| Dothan, AL | 3 | $ 84,000 | $ 28,000 | $ 0 |
| Great Falls, MT | 3 | $ 103,000 | $ 34,333 | $ 61,000 |
| Gulfport-Biloxi, MS | 3 | $ 102,000 | $ 34,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 108,000 | $ 36,000 | $ 25,000 |
| Lawton, OK | 3 | $ 127,000 | $ 42,333 | $ 100,000 |
| Lewiston, ID-WA | 3 | $ 220,000 | $ 73,333 | $ 83,666 |
| Morristown, TN | 3 | $ 228,000 | $ 76,000 | $ 21,000 |
| Pascagoula, MS | 3 | $ 122,000 | $ 40,666 | $ 12,000 |
| Pine Bluff, AR | 3 | $ 112,000 | $ 37,333 | $ 72,000 |
| San Angelo, TX | 3 | $ 82,000 | $ 27,333 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 80,000 | $ 26,666 | $ 42,666 |
| Valdosta, GA | 3 | $ 129,000 | $ 43,000 | $ 67,000 |
| Warner Robins, GA | 3 | $ 155,000 | $ 51,666 | $ 116,000 |
| Wausau, WI | 3 | $ 208,000 | $ 69,333 | $ 52,000 |
| Alexandria, LA | 2 | $ 56,000 | $ 28,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 87,000 | $ 43,500 | $ 0 |
| Cleveland, TN | 2 | $ 194,000 | $ 97,000 | $ 78,000 |
| College Station-Bryan, TX | 2 | $ 25,000 | $ 12,500 | $ 0 |
| Fond Du Lac, WI | 2 | $ 80,000 | $ 40,000 | $ 66,000 |
| Goldsboro, NC | 2 | $ 396,000 | $ 198,000 | $ 105,000 |
| Kokomo, IN | 2 | $ 205,000 | $ 102,500 | $ 65,000 |
| Midland, TX | 2 | $ 34,000 | $ 17,000 | $ 0 |
| Monroe, LA | 2 | $ 83,000 | $ 41,500 | $ 0 |
| Sioux City, IA-NE-SD | 2 | $ 251,000 | $ 125,500 | $ 26,000 |
| Tyler, TX | 2 | $ 29,000 | $ 14,500 | $ 0 |
| Abilene, TX | 1 | $ 529,000 | $ 529,000 | $ 0 |
| Bowling Green, KY | 1 | $ 50,000 | $ 50,000 | $ 78,000 |
| Dalton, GA | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Farmington, NM | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 1 | $ 18,000 | $ 18,000 | $ 74,000 |
| Hot Springs, AR | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Janesville, WI | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Johnson City, TN | 1 | $ 99,000 | $ 99,000 | $ 66,000 |
| Jonesboro, AR | 1 | $ 72,000 | $ 72,000 | $ 84,000 |
| Lake Charles, LA | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Laredo, TX | 1 | $ 504,000 | $ 504,000 | $ 0 |
| Longview, TX | 1 | $ 14,000 | $ 14,000 | $ 0 |
| Montgomery, AL | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Pocatello, ID | 1 | $ 40,000 | $ 40,000 | $ 43,000 |
| Sherman-Denison, TX | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 748,000 | $ 748,000 | $ 0 |
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.
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