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Act (HMDA) records Charter One Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Detroit, MI | 20,507 | $ 2,978,372,000 | $ 145,236 | $ 66,000 |
| Chicago, IL | 15,395 | $ 2,634,484,000 | $ 171,125 | $ 73,000 |
| Cleveland-Lorain-Elyria, OH | 14,116 | $ 1,629,068,000 | $ 115,405 | $ 64,000 |
| Buffalo-Niagara Falls, NY | 6,521 | $ 573,735,000 | $ 87,982 | $ 51,000 |
| Rochester, NY | 6,489 | $ 632,488,000 | $ 97,470 | $ 55,000 |
| Albany-Schenectady-Troy, NY | 5,923 | $ 653,808,000 | $ 110,384 | $ 61,000 |
| Akron, OH | 4,255 | $ 454,551,000 | $ 106,827 | $ 60,000 |
| Toledo, OH | 3,932 | $ 385,845,000 | $ 98,129 | $ 65,000 |
| Canton-Massillon, OH | 3,181 | $ 279,902,000 | $ 87,991 | $ 49,000 |
| Youngstown-Warren, OH | 2,732 | $ 236,321,000 | $ 86,501 | $ 52,000 |
| Springfield, MA | 2,535 | $ 307,517,000 | $ 121,308 | $ 60,000 |
| Lansing-East Lansing, MI | 1,495 | $ 229,726,000 | $ 153,662 | $ 69,000 |
| Ann Arbor, MI | 1,485 | $ 331,631,000 | $ 223,320 | $ 88,000 |
| Kalamazoo-Battle Creek, MI | 1,461 | $ 206,134,000 | $ 141,091 | $ 64,000 |
| Syracuse, NY | 1,453 | $ 152,285,000 | $ 104,807 | $ 56,000 |
| Grand Rapids-Muskegon-Holland, MI | 1,305 | $ 175,680,000 | $ 134,620 | $ 70,000 |
| Burlington, VT | 1,146 | $ 172,497,000 | $ 150,520 | $ 75,000 |
| Newburgh, NY-PA | 963 | $ 134,371,000 | $ 139,533 | $ 73,000 |
| Columbus, OH | 921 | $ 145,807,000 | $ 158,313 | $ 81,000 |
| Dutchess County, NY | 913 | $ 172,259,000 | $ 188,673 | $ 89,000 |
| Glens Falls, NY | 901 | $ 85,379,000 | $ 94,760 | $ 67,000 |
| Utica-Rome, NY | 849 | $ 56,496,000 | $ 66,544 | $ 51,000 |
| New York, NY | 670 | $ 153,797,000 | $ 229,547 | $ 112,000 |
| Baltimore, MD | 592 | $ 165,372,000 | $ 279,344 | $ 95,000 |
| Binghamton, NY | 466 | $ 31,788,000 | $ 68,214 | $ 60,000 |
| Indianapolis, IN | 443 | $ 104,909,000 | $ 236,814 | $ 106,000 |
| Cincinnati, OH-KY-IN | 388 | $ 55,096,000 | $ 142,000 | $ 63,000 |
| Pittsburgh, PA | 370 | $ 42,199,000 | $ 114,051 | $ 56,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 301 | $ 88,329,000 | $ 293,451 | $ 105,000 |
| St. Louis, MO-IL | 268 | $ 34,840,000 | $ 130,000 | $ 54,000 |
| Dayton-Springfield, OH | 264 | $ 33,012,000 | $ 125,045 | $ 70,000 |
| Richmond-Petersburg, VA | 243 | $ 36,460,000 | $ 150,041 | $ 60,000 |
| Flint, MI | 237 | $ 41,583,000 | $ 175,455 | $ 78,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 224 | $ 33,068,000 | $ 147,625 | $ 63,000 |
| Greenville-Spartanburg-Anderson, SC | 187 | $ 24,761,000 | $ 132,411 | $ 70,000 |
| Saginaw-Bay City-Midland, MI | 171 | $ 15,225,000 | $ 89,035 | $ 59,000 |
| Philadelphia, PA-NJ | 150 | $ 44,199,000 | $ 294,660 | $ 122,000 |
| Greensboro--Winston-Salem--High Point, NC | 117 | $ 27,100,000 | $ 231,623 | $ 76,000 |
| Hamilton-Middletown, OH | 114 | $ 16,613,000 | $ 145,728 | $ 61,000 |
| Harrisburg-Lebanon-Carlisle, PA | 102 | $ 14,709,000 | $ 144,205 | $ 79,000 |
| Boston, MA-NH | 96 | $ 26,875,000 | $ 279,947 | $ 123,000 |
| Charleston-North Charleston, SC | 94 | $ 39,426,000 | $ 419,425 | $ 105,000 |
| Monmouth-Ocean, NJ | 89 | $ 27,203,000 | $ 305,651 | $ 117,000 |
| Birmingham, AL | 87 | $ 11,474,000 | $ 131,885 | $ 71,000 |
| Nassau-Suffolk, NY | 84 | $ 21,602,000 | $ 257,166 | $ 184,000 |
| Gary, IN | 81 | $ 18,133,000 | $ 223,864 | $ 71,000 |
| Washington, DC-MD-VA-WV | 81 | $ 32,076,000 | $ 396,000 | $ 112,000 |
| Columbia, SC | 74 | $ 8,551,000 | $ 115,554 | $ 66,000 |
| Jamestown, NY | 71 | $ 5,965,000 | $ 84,014 | $ 64,000 |
| Hartford, CT | 69 | $ 13,812,000 | $ 200,173 | $ 97,000 |
| Worcester, MA-CT | 52 | $ 9,445,000 | $ 181,634 | $ 91,000 |
| York, PA | 47 | $ 5,940,000 | $ 126,382 | $ 46,000 |
| Jackson, MI | 43 | $ 6,832,000 | $ 158,883 | $ 72,000 |
| Mansfield, OH | 39 | $ 4,112,000 | $ 105,435 | $ 42,000 |
| Raleigh-Durham-Chapel Hill, NC | 39 | $ 11,077,000 | $ 284,025 | $ 105,000 |
| Sharon, PA | 33 | $ 3,268,000 | $ 99,030 | $ 44,000 |
| Myrtle Beach, SC | 32 | $ 8,187,000 | $ 255,843 | $ 129,000 |
| Lafayette, IN | 29 | $ 2,355,000 | $ 81,206 | $ 37,000 |
| Charlottesville, VA | 28 | $ 7,011,000 | $ 250,392 | $ 70,000 |
| Barnstable-Yarmouth, MA | 25 | $ 6,323,000 | $ 252,920 | $ 132,000 |
| Benton Harbor, MI | 25 | $ 5,602,000 | $ 224,080 | $ 156,000 |
| Hickory-Morganton-Lenoir, NC | 24 | $ 6,469,000 | $ 269,541 | $ 133,000 |
| Lynchburg, VA | 24 | $ 3,447,000 | $ 143,625 | $ 83,000 |
| Nashville, TN | 24 | $ 4,788,000 | $ 199,500 | $ 61,000 |
| Waterbury, CT | 24 | $ 2,006,000 | $ 83,583 | $ 64,000 |
| Lima, OH | 23 | $ 3,220,000 | $ 140,000 | $ 51,000 |
| Wilmington-Newark, DE-MD | 23 | $ 2,836,000 | $ 123,304 | $ 80,000 |
| Kankakee, IL | 21 | $ 2,194,000 | $ 104,476 | $ 65,000 |
| Bergen-Passaic, NJ | 20 | $ 5,046,000 | $ 252,300 | $ 140,000 |
| Lancaster, PA | 20 | $ 3,698,000 | $ 184,900 | $ 78,000 |
| Stamford-Norwalk, CT | 20 | $ 8,917,000 | $ 445,850 | $ 176,000 |
| Roanoke, VA | 19 | $ 2,635,000 | $ 138,684 | $ 65,000 |
| Danbury, CT | 18 | $ 4,882,000 | $ 271,222 | $ 83,000 |
| Pittsfield, MA | 18 | $ 3,219,000 | $ 178,833 | $ 97,000 |
| Rockford, IL | 18 | $ 4,681,000 | $ 260,055 | $ 53,000 |
| Asheville, NC | 17 | $ 2,151,000 | $ 126,529 | $ 45,000 |
| Elmira, NY | 17 | $ 1,249,000 | $ 73,470 | $ 58,000 |
| Huntington-Ashland, WV-KY-OH | 17 | $ 1,927,000 | $ 113,352 | $ 95,000 |
| Allentown-Bethlehem-Easton, PA | 16 | $ 2,476,000 | $ 154,750 | $ 77,000 |
| Atlanta, GA | 15 | $ 5,264,000 | $ 350,933 | $ 111,000 |
| Erie, PA | 15 | $ 1,225,000 | $ 81,666 | $ 60,000 |
| Reading, PA | 15 | $ 1,963,000 | $ 130,866 | $ 91,000 |
| Middlesex-Somerset-Hunterdon, NJ | 14 | $ 3,493,000 | $ 249,500 | $ 107,000 |
| Phoenix-Mesa, AZ | 14 | $ 3,555,000 | $ 253,928 | $ 148,000 |
| Fort Myers-Cape Coral, FL | 12 | $ 3,549,000 | $ 295,750 | $ 152,000 |
| Milwaukee-Waukesha, WI | 12 | $ 22,933,000 | $ 1,911,083 | $ 65,000 |
| Naples, FL | 12 | $ 4,912,000 | $ 409,333 | $ 314,000 |
| Springfield, MO | 12 | $ 1,093,000 | $ 91,083 | $ 45,000 |
| Tampa-St. Petersburg-Clearwater, FL | 12 | $ 1,920,000 | $ 160,000 | $ 180,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 11 | $ 1,846,000 | $ 167,818 | $ 84,000 |
| Johnstown, PA | 10 | $ 769,000 | $ 76,900 | $ 54,000 |
| Knoxville, TN | 9 | $ 1,725,000 | $ 191,666 | $ 66,000 |
| Newark, NJ | 9 | $ 2,670,000 | $ 296,666 | $ 141,000 |
| Sarasota-Bradenton, FL | 9 | $ 1,601,000 | $ 177,888 | $ 209,000 |
| West Palm Beach-Boca Raton, FL | 9 | $ 2,484,000 | $ 276,000 | $ 300,000 |
| Kenosha, WI | 8 | $ 1,704,000 | $ 213,000 | $ 128,000 |
| Lexington, KY | 8 | $ 1,544,000 | $ 193,000 | $ 139,000 |
| New Haven-Meriden, CT | 8 | $ 1,132,000 | $ 141,500 | $ 220,000 |
| New London-Norwich, CT-RI | 8 | $ 1,709,000 | $ 213,625 | $ 120,000 |
| Kokomo, IN | 7 | $ 541,000 | $ 77,285 | $ 31,000 |
| Las Vegas, NV-AZ | 7 | $ 1,193,000 | $ 170,428 | $ 75,000 |
| Louisville, KY-IN | 7 | $ 799,000 | $ 114,142 | $ 35,000 |
| Bridgeport, CT | 6 | $ 1,883,000 | $ 313,833 | $ 157,000 |
| Hagerstown, MD | 6 | $ 758,000 | $ 126,333 | $ 36,000 |
| Lawrence, MA-NH | 6 | $ 2,306,000 | $ 384,333 | $ 161,000 |
| Orange County, CA | 6 | $ 2,799,000 | $ 466,500 | $ 194,000 |
| Dallas, TX | 5 | $ 1,193,000 | $ 238,600 | $ 144,000 |
| Denver, CO | 5 | $ 2,107,000 | $ 421,400 | $ 153,000 |
| Fort Wayne, IN | 5 | $ 699,000 | $ 139,800 | $ 53,000 |
| Kansas City, MO-KS | 5 | $ 379,000 | $ 75,800 | $ 36,000 |
| Lowell, MA-NH | 5 | $ 762,000 | $ 152,400 | $ 119,000 |
| Nashua, NH | 5 | $ 950,000 | $ 190,000 | $ 127,000 |
| Providence-Fall River-Warwick, RI-MA | 5 | $ 1,272,000 | $ 254,400 | $ 196,000 |
| Bloomington, IN | 4 | $ 3,324,000 | $ 831,000 | $ 58,000 |
| Champaign-Urbana, IL | 4 | $ 369,000 | $ 92,250 | $ 16,000 |
| Charleston, WV | 4 | $ 749,000 | $ 187,250 | $ 53,000 |
| Houston, TX | 4 | $ 495,000 | $ 123,750 | $ 111,000 |
| Jacksonville, FL | 4 | $ 774,000 | $ 193,500 | $ 16,000 |
| Los Angeles-Long Beach, CA | 4 | $ 1,602,000 | $ 400,500 | $ 100,000 |
| Madison, WI | 4 | $ 6,200,000 | $ 1,550,000 | $ 142,000 |
| Memphis, TN-AR-MS | 4 | $ 1,997,000 | $ 499,250 | $ 183,000 |
| Miami, FL | 4 | $ 1,491,000 | $ 372,750 | $ 235,000 |
| Minneapolis-St. Paul, MN-WI | 4 | $ 6,032,000 | $ 1,508,000 | $ 74,000 |
| Savannah, GA | 4 | $ 554,000 | $ 138,500 | $ 0 |
| Steubenville-Weirton, OH-WV | 4 | $ 552,000 | $ 138,000 | $ 72,000 |
| Tucson, AZ | 4 | $ 864,000 | $ 216,000 | $ 227,000 |
| Altoona, PA | 3 | $ 482,000 | $ 160,666 | $ 65,000 |
| Atlantic-Cape May, NJ | 3 | $ 792,000 | $ 264,000 | $ 154,000 |
| Daytona Beach, FL | 3 | $ 431,000 | $ 143,666 | $ 100,000 |
| Dover, DE | 3 | $ 581,000 | $ 193,666 | $ 71,000 |
| Fitchburg-Leominster, MA | 3 | $ 334,000 | $ 111,333 | $ 49,000 |
| Florence, SC | 3 | $ 300,000 | $ 100,000 | $ 50,000 |
| Fort Pierce-Port St. Lucie, FL | 3 | $ 387,000 | $ 129,000 | $ 182,000 |
| Fort Walton Beach, FL | 3 | $ 1,287,000 | $ 429,000 | $ 103,000 |
| Manchester, NH | 3 | $ 638,000 | $ 212,666 | $ 178,000 |
| Muncie, IN | 3 | $ 931,000 | $ 310,333 | $ 277,000 |
| New Bedford, MA | 3 | $ 619,000 | $ 206,333 | $ 105,000 |
| Sacramento, CA | 3 | $ 595,000 | $ 198,333 | $ 101,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,041,000 | $ 347,000 | $ 149,000 |
| Sumter, SC | 3 | $ 334,000 | $ 111,333 | $ 36,000 |
| Terre Haute, IN | 3 | $ 182,000 | $ 60,666 | $ 0 |
| Tulsa, OK | 3 | $ 568,000 | $ 189,333 | $ 119,000 |
| Wilmington, NC | 3 | $ 686,000 | $ 228,666 | $ 78,000 |
| Appleton-Oshkosh-Neenah, WI | 2 | $ 526,000 | $ 263,000 | $ 90,000 |
| Bloomington-Normal, IL | 2 | $ 306,000 | $ 153,000 | $ 33,000 |
| Brockton, MA | 2 | $ 295,000 | $ 147,500 | $ 64,000 |
| Chattanooga, TN-GA | 2 | $ 250,000 | $ 125,000 | $ 106,000 |
| Cumberland, MD-WV | 2 | $ 134,000 | $ 67,000 | $ 45,000 |
| Des Moines, IA | 2 | $ 200,000 | $ 100,000 | $ 63,000 |
| Evansville-Henderson, IN-KY | 2 | $ 81,000 | $ 40,500 | $ 22,000 |
| Goldsboro, NC | 2 | $ 189,000 | $ 94,500 | $ 64,000 |
| Huntsville, AL | 2 | $ 499,000 | $ 249,500 | $ 120,000 |
| Jersey City, NJ | 2 | $ 219,000 | $ 109,500 | $ 63,000 |
| Macon, GA | 2 | $ 229,000 | $ 114,500 | $ 72,000 |
| Melbourne-Titusville-Palm Bay, FL | 2 | $ 919,000 | $ 459,500 | $ 144,000 |
| Ocala, FL | 2 | $ 155,000 | $ 77,500 | $ 61,000 |
| Orlando, FL | 2 | $ 421,000 | $ 210,500 | $ 52,000 |
| Peoria-Pekin, IL | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Racine, WI | 2 | $ 319,000 | $ 159,500 | $ 55,000 |
| Reno, NV | 2 | $ 292,000 | $ 146,000 | $ 63,000 |
| Riverside-San Bernardino, CA | 2 | $ 353,000 | $ 176,500 | $ 686,000 |
| San Francisco, CA | 2 | $ 872,000 | $ 436,000 | $ 236,000 |
| Santa Fe, NM | 2 | $ 641,000 | $ 320,500 | $ 259,000 |
| Vallejo-Fairfield-Napa, CA | 2 | $ 409,000 | $ 204,500 | $ 87,000 |
| Williamsport, PA | 2 | $ 224,000 | $ 112,000 | $ 46,000 |
| Austin-San Marcos, TX | 1 | $ 79,000 | $ 79,000 | $ 48,000 |
| Biloxi-Gulfport-Pascagoula, MS | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Colorado Springs, CO | 1 | $ 370,000 | $ 370,000 | $ 150,000 |
| Danville, VA | 1 | $ 87,000 | $ 87,000 | $ 58,000 |
| Decatur, IL | 1 | $ 118,000 | $ 118,000 | $ 83,000 |
| Dubuque, IA | 1 | $ 71,000 | $ 71,000 | $ 23,000 |
| Elkhart-Goshen, IN | 1 | $ 5,350,000 | $ 5,350,000 | $ 0 |
| Fayetteville, NC | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| Fort Lauderdale, FL | 1 | $ 900,000 | $ 900,000 | $ 228,000 |
| Fort Worth-Arlington, TX | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Gainesville, FL | 1 | $ 400,000 | $ 400,000 | $ 174,000 |
| Greeley, CO | 1 | $ 182,000 | $ 182,000 | $ 76,000 |
| Green Bay, WI | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Greenville, NC | 1 | $ 92,000 | $ 92,000 | $ 30,000 |
| Iowa City, IA | 1 | $ 615,000 | $ 615,000 | $ 200,000 |
| Janesville-Beloit, WI | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Joplin, MO | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
| Mobile, AL | 1 | $ 467,000 | $ 467,000 | $ 697,000 |
| Pensacola, FL | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Portland, ME | 1 | $ 365,000 | $ 365,000 | $ 109,000 |
| Punta Gorda, FL | 1 | $ 57,000 | $ 57,000 | $ 82,000 |
| Rochester, MN | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Salt Lake City-Ogden, UT | 1 | $ 32,000 | $ 32,000 | $ 48,000 |
| San Antonio, TX | 1 | $ 137,000 | $ 137,000 | $ 44,000 |
| San Diego, CA | 1 | $ 430,000 | $ 430,000 | $ 139,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 1 | $ 290,000 | $ 290,000 | $ 435,000 |
| Santa Rosa, CA | 1 | $ 417,000 | $ 417,000 | $ 225,000 |
| Sioux City, IA-NE | 1 | $ 61,000 | $ 61,000 | $ 42,000 |
| South Bend, IN | 1 | $ 564,000 | $ 564,000 | $ 100,000 |
| Springfield, IL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| State College, PA | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Stockton-Lodi, CA | 1 | $ 122,000 | $ 122,000 | $ 30,000 |
| Trenton, NJ | 1 | $ 400,000 | $ 400,000 | $ 265,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 67,000 | $ 67,000 | $ 48,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 228,000 | $ 228,000 | $ 78,000 |
| Wausau, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
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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