Charter One Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Charter One Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 70,239 |
| Total Mortgage Loan Application Amount | $10,711,418,000 |
| Average Mortgage Loan Application Amount | $286,785 |
| Highest Mortgage Loan Application Amount | $8,500,000 |
| Average Applicant Income | $51,760 |
| Highest Applicant Income | $3,250,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Charter One Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Charter One Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Charter One Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Charter One Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Charter One Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Charter One Bank's mortgage activity for 2004.
| 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 | 7,138 | $ 1,264,420,000 | $ 177,000 | $ 54,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 7,002 | $ 877,298,000 | $ 125,000 | $ 56,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 4,716 | $ 869,460,000 | $ 184,000 | $ 61,000 |
| BUFFALO-NIAGARA FALLS, NY | 4,540 | $ 422,138,000 | $ 92,000 | $ 50,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 4,203 | $ 473,350,000 | $ 112,000 | $ 38,000 |
| ROCHESTER, NY | 4,189 | $ 408,808,000 | $ 97,000 | $ 54,000 |
| ALBANY-SCHENECTADY-TROY, NY | 3,409 | $ 429,069,000 | $ 125,000 | $ 60,000 |
| AKRON, OH | 2,144 | $ 225,878,000 | $ 105,000 | $ 48,000 |
| TOLEDO, OH | 2,133 | $ 222,728,000 | $ 104,000 | $ 56,000 |
| CANTON-MASSILLON, OH | 1,612 | $ 143,792,000 | $ 89,000 | $ 44,000 |
| INDIANAPOLIS, IN | 1,260 | $ 193,913,000 | $ 153,000 | $ 66,000 |
| SPRINGFIELD, MA | 1,227 | $ 163,723,000 | $ 133,000 | $ 56,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 1,195 | $ 200,758,000 | $ 167,000 | $ 68,000 |
| SYRACUSE, NY | 1,124 | $ 114,968,000 | $ 102,000 | $ 48,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 907 | $ 84,197,000 | $ 92,000 | $ 48,000 |
| COLUMBUS, OH | 771 | $ 126,084,000 | $ 163,000 | $ 64,000 |
| UTICA-ROME, NY | 674 | $ 47,186,000 | $ 70,000 | $ 46,000 |
| BALTIMORE-TOWSON, MD | 623 | $ 178,064,000 | $ 285,000 | $ 73,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 593 | $ 85,910,000 | $ 144,000 | $ 57,000 |
| LANSING-EAST LANSING, MI | 583 | $ 89,173,000 | $ 152,000 | $ 55,000 |
| KALAMAZOO-PORTAGE, MI | 511 | $ 77,960,000 | $ 152,000 | $ 81,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 487 | $ 171,050,000 | $ 351,000 | $ 86,000 |
| GLENS FALLS, NY | 464 | $ 45,680,000 | $ 98,000 | $ 67,000 |
| GRAND RAPIDS-WYOMING, MI | 454 | $ 62,700,000 | $ 138,000 | $ 45,000 |
| BINGHAMTON, NY | 423 | $ 30,588,000 | $ 72,000 | $ 51,000 |
| ANN ARBOR, MI | 370 | $ 92,909,000 | $ 251,000 | $ 49,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 357 | $ 54,639,000 | $ 153,000 | $ 55,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 340 | $ 180,780,000 | $ 531,000 | $ 25,000 |
| KINGSTON, NY | 338 | $ 41,081,000 | $ 121,000 | $ 53,000 |
| PITTSBURGH, PA | 321 | $ 36,801,000 | $ 114,000 | $ 51,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 295 | $ 39,824,000 | $ 134,000 | $ 55,000 |
| RICHMOND, VA | 290 | $ 54,800,000 | $ 188,000 | $ 59,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 264 | $ 68,256,000 | $ 258,000 | $ 55,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 262 | $ 116,382,000 | $ 444,000 | $ 72,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 256 | $ 69,859,000 | $ 272,000 | $ 90,000 |
| ST. LOUIS, MO-IL | 232 | $ 56,727,000 | $ 244,000 | $ 40,000 |
| DAYTON, OH | 194 | $ 23,277,000 | $ 119,000 | $ 50,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 185 | $ 35,498,000 | $ 191,000 | $ 69,000 |
| MONROE, MI | 174 | $ 19,676,000 | $ 113,000 | $ 62,000 |
| PHILADELPHIA, PA | 165 | $ 61,562,000 | $ 373,000 | $ 88,000 |
| FLINT, MI | 161 | $ 38,101,000 | $ 236,000 | $ 56,000 |
| LAFAYETTE, IN | 153 | $ 14,457,000 | $ 94,000 | $ 58,000 |
| NASSAU-SUFFOLK, NY | 153 | $ 58,015,000 | $ 379,000 | $ 60,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 151 | $ 76,761,000 | $ 508,000 | $ 0 |
| EDISON, NJ | 142 | $ 53,867,000 | $ 379,000 | $ 54,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 142 | $ 68,941,000 | $ 485,000 | $ 1,000 |
| ERIE, PA | 131 | $ 10,010,000 | $ 76,000 | $ 50,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 131 | $ 60,444,000 | $ 461,000 | $ 0 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 131 | $ 67,211,000 | $ 513,000 | $ 2,000 |
| HARRISBURG-CARLISLE, PA | 111 | $ 16,368,000 | $ 147,000 | $ 70,000 |
| GREENVILLE, SC | 109 | $ 15,779,000 | $ 144,000 | $ 52,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 99 | $ 33,781,000 | $ 341,000 | $ 34,000 |
| WINSTON-SALEM, NC | 95 | $ 24,424,000 | $ 257,000 | $ 81,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 87 | $ 17,270,000 | $ 198,000 | $ 51,000 |
| NEW HAVEN-MILFORD, CT | 83 | $ 12,180,000 | $ 146,000 | $ 53,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 83 | $ 39,946,000 | $ 481,000 | $ 5,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 73 | $ 32,280,000 | $ 442,000 | $ 95,000 |
| GARY, IN | 73 | $ 10,548,000 | $ 144,000 | $ 69,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 68 | $ 25,752,000 | $ 378,000 | $ 77,000 |
| HOLLAND-GRAND HAVEN, MI | 68 | $ 11,078,000 | $ 162,000 | $ 54,000 |
| ITHACA, NY | 68 | $ 6,297,000 | $ 92,000 | $ 76,000 |
| SPARTANBURG, SC | 65 | $ 8,283,000 | $ 127,000 | $ 50,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 64 | $ 8,022,000 | $ 125,000 | $ 48,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 64 | $ 32,774,000 | $ 512,000 | $ 89,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 57 | $ 19,693,000 | $ 345,000 | $ 28,000 |
| ANDERSON, IN | 56 | $ 5,017,000 | $ 89,000 | $ 49,000 |
| WORCESTER, MA | 56 | $ 9,812,000 | $ 175,000 | $ 44,000 |
| DENVER-AURORA, CO | 55 | $ 20,767,000 | $ 377,000 | $ 4,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 55 | $ 27,643,000 | $ 502,000 | $ 14,000 |
| COLUMBIA, SC | 54 | $ 7,602,000 | $ 140,000 | $ 49,000 |
| PITTSFIELD, MA | 54 | $ 8,643,000 | $ 160,000 | $ 72,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 53 | $ 21,539,000 | $ 406,000 | $ 0 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 52 | $ 19,730,000 | $ 379,000 | $ 79,000 |
| DALLAS-PLANO-IRVING, TX | 52 | $ 26,252,000 | $ 504,000 | $ 5,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 51 | $ 21,922,000 | $ 429,000 | $ 9,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 49 | $ 20,474,000 | $ 417,000 | $ 15,000 |
| BATTLE CREEK, MI | 47 | $ 6,114,000 | $ 130,000 | $ 56,000 |
| NEWARK-UNION, NJ-PA | 47 | $ 20,714,000 | $ 440,000 | $ 49,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 46 | $ 25,030,000 | $ 544,000 | $ 1,000 |
| SPRINGFIELD, OH | 45 | $ 5,007,000 | $ 111,000 | $ 43,000 |
| RALEIGH-CARY, NC | 43 | $ 12,500,000 | $ 290,000 | $ 56,000 |
| SANDUSKY, OH | 43 | $ 6,456,000 | $ 150,000 | $ 77,000 |
| JACKSON, MI | 42 | $ 5,454,000 | $ 129,000 | $ 63,000 |
| ASHEVILLE, NC | 41 | $ 7,978,000 | $ 194,000 | $ 66,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 40 | $ 19,161,000 | $ 479,000 | $ 0 |
| BOSTON-QUINCY, MA | 39 | $ 18,544,000 | $ 475,000 | $ 58,000 |
| LAS VEGAS-PARADISE, NV | 30 | $ 10,776,000 | $ 359,000 | $ 22,000 |
| MANSFIELD, OH | 30 | $ 3,698,000 | $ 123,000 | $ 70,000 |
| BIRMINGHAM-HOOVER, AL | 29 | $ 7,232,000 | $ 249,000 | $ 25,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 29 | $ 11,352,000 | $ 391,000 | $ 41,000 |
| ELMIRA, NY | 27 | $ 1,920,000 | $ 71,000 | $ 50,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 27 | $ 8,983,000 | $ 332,000 | $ 87,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 25 | $ 12,214,000 | $ 488,000 | $ 93,000 |
| MEMPHIS, TN-MS-AR | 24 | $ 8,432,000 | $ 351,000 | $ 56,000 |
| CAPE CORAL-FORT MYERS, FL | 23 | $ 7,392,000 | $ 321,000 | $ 79,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 23 | $ 4,306,000 | $ 187,000 | $ 87,000 |
| ESSEX COUNTY, MA | 22 | $ 6,675,000 | $ 303,000 | $ 25,000 |
| FORT WORTH-ARLINGTON, TX | 22 | $ 9,451,000 | $ 429,000 | $ 6,000 |
| GREENSBORO-HIGH POINT, NC | 22 | $ 3,747,000 | $ 170,000 | $ 40,000 |
| LEBANON, PA | 22 | $ 3,279,000 | $ 149,000 | $ 50,000 |
| MUSKEGON-NORTON SHORES, MI | 22 | $ 5,196,000 | $ 236,000 | $ 25,000 |
| FORT WAYNE, IN | 21 | $ 3,163,000 | $ 150,000 | $ 36,000 |
| KANKAKEE-BRADLEY, IL | 21 | $ 2,528,000 | $ 120,000 | $ 45,000 |
| NAPLES-MARCO ISLAND, FL | 21 | $ 8,565,000 | $ 407,000 | $ 138,000 |
| LANCASTER, PA | 20 | $ 5,721,000 | $ 286,000 | $ 178,000 |
| SALINAS, CA | 20 | $ 11,213,000 | $ 560,000 | $ 0 |
| READING, PA | 19 | $ 3,511,000 | $ 184,000 | $ 49,000 |
| WILMINGTON, DE-MD-NJ | 19 | $ 4,910,000 | $ 258,000 | $ 101,000 |
| CAMDEN, NJ | 18 | $ 6,865,000 | $ 381,000 | $ 51,000 |
| HICKORY-LENOIR-MORGANTON, NC | 18 | $ 4,435,000 | $ 246,000 | $ 66,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 18 | $ 5,513,000 | $ 306,000 | $ 16,000 |
| DURHAM, NC | 17 | $ 6,739,000 | $ 396,000 | $ 114,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 17 | $ 6,565,000 | $ 386,000 | $ 36,000 |
| NILES-BENTON HARBOR, MI | 17 | $ 4,923,000 | $ 289,000 | $ 149,000 |
| SANTA ROSA-PETALUMA, CA | 17 | $ 7,118,000 | $ 418,000 | $ 0 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 16 | $ 3,062,000 | $ 191,000 | $ 57,000 |
| BARNSTABLE TOWN, MA | 16 | $ 5,381,000 | $ 336,000 | $ 165,000 |
| BLOOMINGTON, IN | 16 | $ 2,338,000 | $ 146,000 | $ 76,000 |
| AUSTIN-ROUND ROCK, TX | 15 | $ 5,825,000 | $ 388,000 | $ 0 |
| BOULDER, CO | 15 | $ 6,933,000 | $ 462,000 | $ 0 |
| JACKSONVILLE, FL | 15 | $ 3,340,000 | $ 222,000 | $ 33,000 |
| LYNCHBURG, VA | 15 | $ 1,821,000 | $ 121,000 | $ 50,000 |
| ORLANDO, FL | 15 | $ 5,806,000 | $ 387,000 | $ 30,000 |
| WILMINGTON, NC | 15 | $ 13,025,000 | $ 868,000 | $ 77,000 |
| YORK-HANOVER, PA | 15 | $ 3,258,000 | $ 217,000 | $ 47,000 |
| KOKOMO, IN | 14 | $ 1,447,000 | $ 103,000 | $ 80,000 |
| LIMA, OH | 14 | $ 1,699,000 | $ 121,000 | $ 55,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 13 | $ 5,963,000 | $ 458,000 | $ 47,000 |
| MUNCIE, IN | 12 | $ 1,337,000 | $ 111,000 | $ 61,000 |
| ROANOKE, VA | 12 | $ 1,936,000 | $ 161,000 | $ 47,000 |
| ROCKFORD, IL | 12 | $ 1,283,000 | $ 106,000 | $ 54,000 |
| SALISBURY, MD | 12 | $ 1,565,000 | $ 130,000 | $ 58,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 12 | $ 5,057,000 | $ 421,000 | $ 0 |
| ANDERSON, SC | 11 | $ 1,276,000 | $ 116,000 | $ 49,000 |
| COLORADO SPRINGS, CO | 11 | $ 4,052,000 | $ 368,000 | $ 8,000 |
| LOUISVILLE, KY-IN | 11 | $ 2,267,000 | $ 206,000 | $ 43,000 |
| SANTA CRUZ-WATSONVILLE, CA | 11 | $ 5,240,000 | $ 476,000 | $ 0 |
| TACOMA, WA | 11 | $ 4,199,000 | $ 381,000 | $ 0 |
| KANSAS CITY, MO-KS | 10 | $ 3,614,000 | $ 361,000 | $ 8,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 10 | $ 2,962,000 | $ 296,000 | $ 80,000 |
| SALT LAKE CITY, UT | 10 | $ 3,812,000 | $ 381,000 | $ 0 |
| SCRANTON--WILKES-BARRE, PA | 10 | $ 1,453,000 | $ 145,000 | $ 49,000 |
| TRENTON-EWING, NJ | 10 | $ 4,810,000 | $ 481,000 | $ 52,000 |
| BURLINGTON, NC | 9 | $ 1,422,000 | $ 158,000 | $ 87,000 |
| CHARLOTTESVILLE, VA | 9 | $ 2,557,000 | $ 284,000 | $ 48,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 9 | $ 2,002,000 | $ 222,000 | $ 77,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 9 | $ 983,000 | $ 109,000 | $ 78,000 |
| OCEAN CITY, NJ | 9 | $ 5,440,000 | $ 604,000 | $ 91,000 |
| SARASOTA-BRADENTON-VENICE, FL | 9 | $ 2,854,000 | $ 317,000 | $ 32,000 |
| ALBUQUERQUE, NM | 8 | $ 3,382,000 | $ 422,000 | $ 35,000 |
| ATLANTIC CITY, NJ | 8 | $ 1,823,000 | $ 227,000 | $ 33,000 |
| FRESNO, CA | 8 | $ 2,709,000 | $ 338,000 | $ 48,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 8 | $ 3,793,000 | $ 474,000 | $ 0 |
| FORT COLLINS-LOVELAND, CO | 7 | $ 2,149,000 | $ 307,000 | $ 0 |
| KNOXVILLE, TN | 7 | $ 1,289,000 | $ 184,000 | $ 46,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 7 | $ 3,962,000 | $ 566,000 | $ 72,000 |
| SAN ANTONIO, TX | 7 | $ 3,091,000 | $ 441,000 | $ 0 |
| SOUTH BEND-MISHAWAKA, IN-MI | 7 | $ 1,107,000 | $ 158,000 | $ 70,000 |
| SUMTER, SC | 7 | $ 761,000 | $ 108,000 | $ 43,000 |
| BATON ROUGE, LA | 6 | $ 2,295,000 | $ 382,000 | $ 37,000 |
| BEND, OR | 6 | $ 1,100,000 | $ 183,000 | $ 6,000 |
| COLUMBUS, IN | 6 | $ 744,000 | $ 124,000 | $ 52,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 6 | $ 1,701,000 | $ 283,000 | $ 38,000 |
| DOVER, DE | 6 | $ 1,013,000 | $ 168,000 | $ 39,000 |
| ELKHART-GOSHEN, IN | 6 | $ 695,000 | $ 115,000 | $ 51,000 |
| GAINESVILLE, FL | 6 | $ 1,274,000 | $ 212,000 | $ 44,000 |
| HUNTSVILLE, AL | 6 | $ 1,324,000 | $ 220,000 | $ 44,000 |
| STOCKTON, CA | 6 | $ 1,791,000 | $ 298,000 | $ 0 |
| VALLEJO-FAIRFIELD, CA | 6 | $ 2,203,000 | $ 367,000 | $ 0 |
| BAY CITY, MI | 5 | $ 807,000 | $ 161,000 | $ 28,000 |
| BELLINGHAM, WA | 5 | $ 2,323,000 | $ 464,000 | $ 0 |
| DES MOINES, IA | 5 | $ 1,072,000 | $ 214,000 | $ 105,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 5 | $ 749,000 | $ 149,000 | $ 39,000 |
| LEXINGTON-FAYETTE, KY | 5 | $ 1,738,000 | $ 347,000 | $ 69,000 |
| MODESTO, CA | 5 | $ 1,606,000 | $ 321,000 | $ 0 |
| NAPA, CA | 5 | $ 2,012,000 | $ 402,000 | $ 0 |
| RENO-SPARKS, NV | 5 | $ 1,660,000 | $ 332,000 | $ 0 |
| TERRE HAUTE, IN | 5 | $ 456,000 | $ 91,000 | $ 48,000 |
| CHAMPAIGN-URBANA, IL | 4 | $ 795,000 | $ 198,000 | $ 34,000 |
| CUMBERLAND, MD-WV | 4 | $ 491,000 | $ 122,000 | $ 37,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 4 | $ 1,731,000 | $ 432,000 | $ 0 |
| LONGVIEW, WA | 4 | $ 363,000 | $ 90,000 | $ 0 |
| NORWICH-NEW LONDON, CT | 4 | $ 640,000 | $ 160,000 | $ 109,000 |
| OGDEN-CLEARFIELD, UT | 4 | $ 1,216,000 | $ 304,000 | $ 40,000 |
| OLYMPIA, WA | 4 | $ 1,169,000 | $ 292,000 | $ 19,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 4 | $ 2,444,000 | $ 611,000 | $ 165,000 |
| PUNTA GORDA, FL | 4 | $ 1,742,000 | $ 435,000 | $ 139,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 4 | $ 2,119,000 | $ 529,000 | $ 355,000 |
| SANTA FE, NM | 4 | $ 1,934,000 | $ 483,000 | $ 0 |
| SAVANNAH, GA | 4 | $ 1,907,000 | $ 476,000 | $ 41,000 |
| TUCSON, AZ | 4 | $ 1,281,000 | $ 320,000 | $ 0 |
| WINCHESTER, VA-WV | 4 | $ 718,000 | $ 179,000 | $ 52,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 3 | $ 998,000 | $ 332,000 | $ 140,000 |
| CHATTANOOGA, TN-GA | 3 | $ 332,000 | $ 110,000 | $ 31,000 |
| FAYETTEVILLE, NC | 3 | $ 376,000 | $ 125,000 | $ 54,000 |
| MADISON, WI | 3 | $ 790,000 | $ 263,000 | $ 23,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 3 | $ 1,402,000 | $ 467,000 | $ 0 |
| OKLAHOMA CITY, OK | 3 | $ 1,250,000 | $ 416,000 | $ 34,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 3 | $ 1,262,000 | $ 420,000 | $ 0 |
| PROVO-OREM, UT | 3 | $ 1,367,000 | $ 455,000 | $ 0 |
| RACINE, WI | 3 | $ 261,000 | $ 87,000 | $ 0 |
| ROCKY MOUNT, NC | 3 | $ 192,000 | $ 64,000 | $ 95,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 2 | $ 1,138,000 | $ 569,000 | $ 0 |
| BOISE CITY-NAMPA, ID | 2 | $ 931,000 | $ 465,000 | $ 41,000 |
| BROWNSVILLE-HARLINGEN, TX | 2 | $ 959,000 | $ 479,000 | $ 0 |
| CLARKSVILLE, TN-KY | 2 | $ 283,000 | $ 141,000 | $ 89,000 |
| CLEVELAND, TN | 2 | $ 211,000 | $ 105,000 | $ 15,000 |
| COLLEGE STATION-BRYAN, TX | 2 | $ 185,000 | $ 92,000 | $ 0 |
| DECATUR, IL | 2 | $ 6,566,000 | $ 3,283,000 | $ 0 |
| ELIZABETHTOWN, KY | 2 | $ 185,000 | $ 92,000 | $ 43,000 |
| EVANSVILLE, IN-KY | 2 | $ 290,000 | $ 145,000 | $ 161,000 |
| FLORENCE, SC | 2 | $ 356,000 | $ 178,000 | $ 65,000 |
| GAINESVILLE, GA | 2 | $ 280,000 | $ 140,000 | $ 11,000 |
| GREELEY, CO | 2 | $ 509,000 | $ 254,000 | $ 0 |
| GREENVILLE, NC | 2 | $ 125,000 | $ 62,000 | $ 62,000 |
| HARRISONBURG, VA | 2 | $ 268,000 | $ 134,000 | $ 59,000 |
| HONOLULU, HI | 2 | $ 1,280,000 | $ 640,000 | $ 0 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 2 | $ 773,000 | $ 386,000 | $ 0 |
| JACKSON, TN | 2 | $ 172,000 | $ 86,000 | $ 13,000 |
| JACKSONVILLE, NC | 2 | $ 686,000 | $ 343,000 | $ 161,000 |
| JOHNSON CITY, TN | 2 | $ 570,000 | $ 285,000 | $ 60,000 |
| JOHNSTOWN, PA | 2 | $ 76,000 | $ 38,000 | $ 37,000 |
| LAKELAND, FL | 2 | $ 211,000 | $ 105,000 | $ 0 |
| LEWISTON-AUBURN, ME | 2 | $ 185,000 | $ 92,000 | $ 55,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 2 | $ 1,176,000 | $ 588,000 | $ 0 |
| LONGVIEW, TX | 2 | $ 718,000 | $ 359,000 | $ 0 |
| MACON, GA | 2 | $ 517,000 | $ 258,000 | $ 0 |
| MANCHESTER-NASHUA, NH | 2 | $ 664,000 | $ 332,000 | $ 447,000 |
| MEDFORD, OR | 2 | $ 770,000 | $ 385,000 | $ 0 |
| MOBILE, AL | 2 | $ 1,115,000 | $ 557,000 | $ 0 |
| MONTGOMERY, AL | 2 | $ 787,000 | $ 393,000 | $ 0 |
| OCALA, FL | 2 | $ 103,000 | $ 51,000 | $ 51,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 2 | $ 671,000 | $ 335,000 | $ 37,000 |
| OSHKOSH-NEENAH, WI | 2 | $ 2,359,000 | $ 1,179,000 | $ 60,000 |
| PANAMA CITY-LYNN HAVEN, FL | 2 | $ 173,000 | $ 86,000 | $ 0 |
| PEORIA, IL | 2 | $ 777,000 | $ 388,000 | $ 0 |
| PORT ST. LUCIE-FORT PIERCE, FL | 2 | $ 823,000 | $ 411,000 | $ 94,000 |
| PUEBLO, CO | 2 | $ 206,000 | $ 103,000 | $ 0 |
| SPRINGFIELD, IL | 2 | $ 167,000 | $ 83,000 | $ 30,000 |
| WARNER ROBINS, GA | 2 | $ 580,000 | $ 290,000 | $ 32,000 |
| WILLIAMSPORT, PA | 2 | $ 183,000 | $ 91,000 | $ 28,000 |
| ALTOONA, PA | 1 | $ 26,000 | $ 26,000 | $ 29,000 |
| AMES, IA | 1 | $ 394,000 | $ 394,000 | $ 0 |
| ANNISTON-OXFORD, AL | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 408,000 | $ 408,000 | $ 0 |
| BAKERSFIELD, CA | 1 | $ 162,000 | $ 162,000 | $ 0 |
| BISMARCK, ND | 1 | $ 311,000 | $ 311,000 | $ 113,000 |
| BLOOMINGTON-NORMAL, IL | 1 | $ 275,000 | $ 275,000 | $ 245,000 |
| BOWLING GREEN, KY | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 545,000 | $ 545,000 | $ 0 |
| BRUNSWICK, GA | 1 | $ 992,000 | $ 992,000 | $ 0 |
| CHARLESTON, WV | 1 | $ 107,000 | $ 107,000 | $ 31,000 |
| CHICO, CA | 1 | $ 517,000 | $ 517,000 | $ 0 |
| COEUR D'ALENE, ID | 1 | $ 380,000 | $ 380,000 | $ 0 |
| COLUMBUS, GA-AL | 1 | $ 169,000 | $ 169,000 | $ 60,000 |
| DANVILLE, IL | 1 | $ 100,000 | $ 100,000 | $ 91,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1 | $ 397,000 | $ 397,000 | $ 0 |
| DOTHAN, AL | 1 | $ 152,000 | $ 152,000 | $ 0 |
| DULUTH, MN-WI | 1 | $ 213,000 | $ 213,000 | $ 42,000 |
| EUGENE-SPRINGFIELD, OR | 1 | $ 490,000 | $ 490,000 | $ 0 |
| FARMINGTON, NM | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| FLORENCE-MUSCLE SHOALS, AL | 1 | $ 129,000 | $ 129,000 | $ 124,000 |
| FORT SMITH, AR-OK | 1 | $ 440,000 | $ 440,000 | $ 0 |
| GRAND FORKS, ND-MN | 1 | $ 98,000 | $ 98,000 | $ 0 |
| GRAND JUNCTION, CO | 1 | $ 92,000 | $ 92,000 | $ 0 |
| GREEN BAY, WI | 1 | $ 645,000 | $ 645,000 | $ 0 |
| GULFPORT-BILOXI, MS | 1 | $ 358,000 | $ 358,000 | $ 0 |
| HATTIESBURG, MS | 1 | $ 422,000 | $ 422,000 | $ 0 |
| JACKSON, MS | 1 | $ 443,000 | $ 443,000 | $ 0 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 462,000 | $ 462,000 | $ 0 |
| LA CROSSE, WI-MN | 1 | $ 83,000 | $ 83,000 | $ 0 |
| LAS CRUCES, NM | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| LINCOLN, NE | 1 | $ 908,000 | $ 908,000 | $ 0 |
| LUBBOCK, TX | 1 | $ 486,000 | $ 486,000 | $ 0 |
| MCALLEN-EDINBURG-PHARR, TX | 1 | $ 67,000 | $ 67,000 | $ 0 |
| MICHIGAN CITY-LA PORTE, IN | 1 | $ 334,000 | $ 334,000 | $ 330,000 |
| MIDLAND, TX | 1 | $ 485,000 | $ 485,000 | $ 0 |
| MORRISTOWN, TN | 1 | $ 82,000 | $ 82,000 | $ 0 |
| PRESCOTT, AZ | 1 | $ 218,000 | $ 218,000 | $ 0 |
| REDDING, CA | 1 | $ 590,000 | $ 590,000 | $ 0 |
| ROCHESTER, MN | 1 | $ 959,000 | $ 959,000 | $ 0 |
| SHERMAN-DENISON, TX | 1 | $ 996,000 | $ 996,000 | $ 0 |
| SPOKANE, WA | 1 | $ 60,000 | $ 60,000 | $ 0 |
| STATE COLLEGE, PA | 1 | $ 334,000 | $ 334,000 | $ 140,000 |
| TALLAHASSEE, FL | 1 | $ 454,000 | $ 454,000 | $ 0 |
| TULSA, OK | 1 | $ 482,000 | $ 482,000 | $ 0 |
| TUSCALOOSA, AL | 1 | $ 449,000 | $ 449,000 | $ 0 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 1 | $ 102,000 | $ 102,000 | $ 0 |
| WACO, TX | 1 | $ 55,000 | $ 55,000 | $ 0 |
| WAUSAU, WI | 1 | $ 565,000 | $ 565,000 | $ 0 |
| WENATCHEE, WA | 1 | $ 126,000 | $ 126,000 | $ 0 |
| YUBA CITY, CA | 1 | $ 178,000 | $ 178,000 | $ 0 |
Mortgage Loan Application Detail Totals for Charter One Bank in 2004
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 | 43,550 | $5,992,592,000 | $340,333 | $6,750,000 | $40,529 | $3,250,000 |
| Home Purchase | 22,821 | $4,389,578,000 | $284,000 | $8,500,000 | $56,081 | $2,181,000 |
| Home Improvement | 3,868 | $329,248,000 | $163,238 | $3,067,000 | $68,952 | $664,000 |
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 | 52,329 | $7,624,449,000 | $328,673 | $2,900,000 | $57,653 | $2,600,000 |
| Black or African American | 4,727 | $467,099,000 | $235,240 | $1,500,000 | $63,320 | $448,000 |
| Not Provided | 4,240 | $678,400,000 | $367,268 | $2,700,000 | $44,585 | $1,886,000 |
| Hispanic | 3,212 | $434,532,000 | $231,838 | $1,875,000 | $53,645 | $575,000 |
| Asian | 2,862 | $589,099,000 | $319,258 | $1,383,000 | $56,935 | $747,000 |
| Not applicable | 1,564 | $505,637,000 | $247,521 | $8,500,000 | $5,217 | $273,000 |
| Native Hawaiian or Other Pacific Islander | 910 | $325,172,000 | $407,025 | $1,000,000 | $11,102 | $407,000 |
| American Indian or Alaskan Native | 395 | $87,030,000 | $295,818 | $1,000,000 | $75,363 | $3,250,000 |
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) | 69,101 | $10,600,652,000 | $304,442 | $8,500,000 | $43,980 | $3,250,000 |
| FHA-insured (Federal Housing Administration) | 1,034 | $99,214,000 | $115,666 | $347,000 | $18,111 | $1,747,000 |
| VA-guaranteed (Veterans Administration) | 104 | $11,552,000 | $114,714 | $216,000 | $31,142 | $128,000 |
| 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 | 41,732 | $5,749,801,000 | $242,125 | $8,500,000 | $106,875 | $3,250,000 |
| Application Denied By Financial Institution | 9,361 | $931,277,000 | $140,440 | $2,400,000 | $53,680 | $2,181,000 |
| Loan Purchased By The Institution | 9,056 | $2,736,912,000 | $351,764 | $2,329,000 | $27,431 | $2,082,000 |
| File Closed For Incompleteness | 4,960 | $600,657,000 | $171,857 | $1,636,000 | $81,380 | $2,600,000 |
| Application Approved But Not Accepted | 3,267 | $398,922,000 | $197,217 | $1,300,000 | $150,304 | $2,181,000 |
| Application Withdrawn By Applicant | 1,293 | $212,991,000 | $193,800 | $2,050,000 | $79,250 | $2,000,000 |
| Preapproval Denied by Financial Institution | 570 | $80,858,000 | $141,000 | $1,280,000 | $48,000 | $360,000 |
| Preapproval Approved but not Accepted | 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 | 4,137 | $349,325,000 | $103,736 | $2,000,000 | $57,052 | $732,000 |
| Debt-To-Income Ratio | 3,409 | $377,797,000 | $156,450 | $995,000 | $37,700 | $538,000 |
| Collateral | 1,236 | $126,289,000 | $126,875 | $1,400,000 | $73,750 | $780,000 |
| Other | 923 | $125,873,000 | $128,714 | $2,400,000 | $62,857 | $2,181,000 |
| Employment History | 103 | $9,624,000 | $104,692 | $464,000 | $39,615 | $156,000 |
| Unverifiable Information | 51 | $7,461,000 | $121,142 | $684,000 | $40,857 | $154,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $9,468,000 | $228,571 | $1,200,000 | $22,857 | $206,000 |
| Credit Application Incomplete | 31 | $6,156,000 | $181,857 | $898,000 | $59,142 | $204,000 |
| Mortgage Insurance Denied | 2 | $142,000 | $71,000 | $102,000 | $56,000 | $74,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter One Bank's 2004 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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with aggregated HMDA statistics today.