Charter One Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Charter One Bank 2005 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 | 29,975 |
| Total Mortgage Loan Application Amount | $3,362,568,000 |
| Average Mortgage Loan Application Amount | $291,551 |
| Highest Mortgage Loan Application Amount | $28,000,000 |
| Average Applicant Income | $63,318 |
| Highest Applicant Income | $3,250,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 3,366 | $ 332,491,000 | $ 98,000 | $ 65,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 3,132 | $ 257,406,000 | $ 82,000 | $ 64,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 2,318 | $ 233,131,000 | $ 100,000 | $ 79,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 2,244 | $ 165,045,000 | $ 73,000 | $ 68,000 |
| TOLEDO, OH | 1,441 | $ 97,243,000 | $ 67,000 | $ 57,000 |
| INDIANAPOLIS, IN | 1,354 | $ 108,171,000 | $ 79,000 | $ 59,000 |
| ROCHESTER, NY | 1,008 | $ 91,130,000 | $ 90,000 | $ 58,000 |
| AKRON, OH | 987 | $ 76,397,000 | $ 77,000 | $ 56,000 |
| COLUMBUS, OH | 967 | $ 115,129,000 | $ 119,000 | $ 60,000 |
| BUFFALO-NIAGARA FALLS, NY | 909 | $ 67,441,000 | $ 74,000 | $ 51,000 |
| CANTON-MASSILLON, OH | 795 | $ 58,428,000 | $ 73,000 | $ 57,000 |
| ALBANY-SCHENECTADY-TROY, NY | 657 | $ 73,956,000 | $ 112,000 | $ 60,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 419 | $ 60,216,000 | $ 143,000 | $ 55,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 339 | $ 18,880,000 | $ 55,000 | $ 47,000 |
| PITTSBURGH, PA | 317 | $ 32,063,000 | $ 101,000 | $ 57,000 |
| BALTIMORE-TOWSON, MD | 303 | $ 68,159,000 | $ 224,000 | $ 77,000 |
| SYRACUSE, NY | 291 | $ 25,255,000 | $ 86,000 | $ 48,000 |
| DAYTON, OH | 270 | $ 33,013,000 | $ 122,000 | $ 64,000 |
| GRAND RAPIDS-WYOMING, MI | 237 | $ 33,737,000 | $ 142,000 | $ 52,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 234 | $ 37,832,000 | $ 161,000 | $ 66,000 |
| PHILADELPHIA, PA | 210 | $ 42,197,000 | $ 200,000 | $ 83,000 |
| LANSING-EAST LANSING, MI | 181 | $ 19,082,000 | $ 105,000 | $ 62,000 |
| BOSTON-QUINCY, MA | 173 | $ 46,109,000 | $ 266,000 | $ 112,000 |
| RICHMOND, VA | 170 | $ 30,065,000 | $ 176,000 | $ 61,000 |
| KALAMAZOO-PORTAGE, MI | 169 | $ 14,560,000 | $ 86,000 | $ 58,000 |
| UTICA-ROME, NY | 157 | $ 10,422,000 | $ 66,000 | $ 46,000 |
| MONROE, MI | 143 | $ 12,640,000 | $ 88,000 | $ 66,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 137 | $ 26,520,000 | $ 193,000 | $ 76,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 137 | $ 15,182,000 | $ 110,000 | $ 69,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 134 | $ 45,494,000 | $ 339,000 | $ 115,000 |
| ANDERSON, IN | 132 | $ 4,391,000 | $ 33,000 | $ 36,000 |
| ANN ARBOR, MI | 127 | $ 17,056,000 | $ 134,000 | $ 84,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 119 | $ 32,066,000 | $ 269,000 | $ 86,000 |
| FLINT, MI | 118 | $ 16,705,000 | $ 141,000 | $ 62,000 |
| BINGHAMTON, NY | 104 | $ 7,452,000 | $ 71,000 | $ 45,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 103 | $ 20,913,000 | $ 203,000 | $ 66,000 |
| GLENS FALLS, NY | 100 | $ 7,813,000 | $ 78,000 | $ 54,000 |
| GREENVILLE, SC | 95 | $ 12,457,000 | $ 131,000 | $ 56,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 90 | $ 29,720,000 | $ 330,000 | $ 82,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 86 | $ 13,028,000 | $ 151,000 | $ 97,000 |
| LAFAYETTE, IN | 74 | $ 4,192,000 | $ 56,000 | $ 61,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 70 | $ 32,157,000 | $ 459,000 | $ 132,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 69 | $ 9,746,000 | $ 141,000 | $ 50,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 68 | $ 7,744,000 | $ 113,000 | $ 76,000 |
| FORT WAYNE, IN | 66 | $ 5,688,000 | $ 86,000 | $ 42,000 |
| ST. LOUIS, MO-IL | 66 | $ 7,549,000 | $ 114,000 | $ 68,000 |
| KINGSTON, NY | 58 | $ 6,126,000 | $ 105,000 | $ 59,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 58 | $ 5,019,000 | $ 86,000 | $ 62,000 |
| COLUMBIA, SC | 56 | $ 8,243,000 | $ 147,000 | $ 57,000 |
| JACKSON, MI | 54 | $ 5,485,000 | $ 101,000 | $ 51,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 53 | $ 18,312,000 | $ 345,000 | $ 95,000 |
| HARRISBURG-CARLISLE, PA | 53 | $ 4,798,000 | $ 90,000 | $ 55,000 |
| SPARTANBURG, SC | 51 | $ 6,537,000 | $ 128,000 | $ 48,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 50 | $ 11,762,000 | $ 235,000 | $ 124,000 |
| SPRINGFIELD, OH | 49 | $ 4,898,000 | $ 99,000 | $ 43,000 |
| GARY, IN | 46 | $ 4,015,000 | $ 87,000 | $ 52,000 |
| HOLLAND-GRAND HAVEN, MI | 46 | $ 7,240,000 | $ 157,000 | $ 49,000 |
| ESSEX COUNTY, MA | 45 | $ 9,817,000 | $ 218,000 | $ 86,000 |
| NASSAU-SUFFOLK, NY | 44 | $ 18,220,000 | $ 414,000 | $ 66,000 |
| BARNSTABLE TOWN, MA | 43 | $ 16,383,000 | $ 381,000 | $ 149,000 |
| BLOOMINGTON, IN | 43 | $ 2,870,000 | $ 66,000 | $ 48,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 40 | $ 20,079,000 | $ 501,000 | $ 81,000 |
| SPRINGFIELD, MA | 39 | $ 3,595,000 | $ 92,000 | $ 61,000 |
| WILMINGTON, DE-MD-NJ | 38 | $ 5,438,000 | $ 143,000 | $ 73,000 |
| WINSTON-SALEM, NC | 35 | $ 3,599,000 | $ 102,000 | $ 59,000 |
| MANSFIELD, OH | 33 | $ 3,718,000 | $ 112,000 | $ 47,000 |
| SANDUSKY, OH | 33 | $ 3,839,000 | $ 116,000 | $ 81,000 |
| DENVER-AURORA, CO | 32 | $ 9,773,000 | $ 305,000 | $ 91,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 32 | $ 46,821,000 | $ 1,463,000 | $ 55,000 |
| YORK-HANOVER, PA | 32 | $ 4,407,000 | $ 137,000 | $ 55,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 30 | $ 5,785,000 | $ 192,000 | $ 62,000 |
| BATTLE CREEK, MI | 29 | $ 2,963,000 | $ 102,000 | $ 64,000 |
| MUNCIE, IN | 29 | $ 2,524,000 | $ 87,000 | $ 47,000 |
| RALEIGH-CARY, NC | 28 | $ 4,993,000 | $ 178,000 | $ 70,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 27 | $ 3,364,000 | $ 124,000 | $ 83,000 |
| EDISON, NJ | 26 | $ 4,463,000 | $ 171,000 | $ 148,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 26 | $ 9,990,000 | $ 384,000 | $ 101,000 |
| GREENSBORO-HIGH POINT, NC | 25 | $ 3,162,000 | $ 126,000 | $ 51,000 |
| ASHEVILLE, NC | 24 | $ 4,833,000 | $ 201,000 | $ 65,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 24 | $ 13,951,000 | $ 581,000 | $ 158,000 |
| CAMDEN, NJ | 24 | $ 2,832,000 | $ 118,000 | $ 76,000 |
| ITHACA, NY | 24 | $ 1,684,000 | $ 70,000 | $ 60,000 |
| NEW HAVEN-MILFORD, CT | 24 | $ 3,781,000 | $ 157,000 | $ 105,000 |
| ANDERSON, SC | 23 | $ 4,239,000 | $ 184,000 | $ 57,000 |
| MANCHESTER-NASHUA, NH | 23 | $ 5,827,000 | $ 253,000 | $ 96,000 |
| LANCASTER, PA | 22 | $ 2,749,000 | $ 124,000 | $ 95,000 |
| NEWARK-UNION, NJ-PA | 22 | $ 4,815,000 | $ 218,000 | $ 180,000 |
| WORCESTER, MA | 22 | $ 3,778,000 | $ 171,000 | $ 75,000 |
| LOUISVILLE, KY-IN | 21 | $ 2,957,000 | $ 140,000 | $ 59,000 |
| NORWICH-NEW LONDON, CT | 21 | $ 3,478,000 | $ 165,000 | $ 95,000 |
| BAY CITY, MI | 20 | $ 2,099,000 | $ 104,000 | $ 48,000 |
| HICKORY-LENOIR-MORGANTON, NC | 18 | $ 3,257,000 | $ 180,000 | $ 78,000 |
| MUSKEGON-NORTON SHORES, MI | 18 | $ 2,522,000 | $ 140,000 | $ 65,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 18 | $ 8,367,000 | $ 464,000 | $ 76,000 |
| TERRE HAUTE, IN | 18 | $ 2,097,000 | $ 116,000 | $ 98,000 |
| LIMA, OH | 17 | $ 1,946,000 | $ 114,000 | $ 39,000 |
| MEMPHIS, TN-MS-AR | 17 | $ 3,340,000 | $ 196,000 | $ 68,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 17 | $ 6,732,000 | $ 396,000 | $ 59,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 17 | $ 4,145,000 | $ 243,000 | $ 124,000 |
| ROANOKE, VA | 16 | $ 2,139,000 | $ 133,000 | $ 53,000 |
| SCRANTON--WILKES-BARRE, PA | 16 | $ 1,519,000 | $ 94,000 | $ 64,000 |
| DOVER, DE | 15 | $ 2,244,000 | $ 149,000 | $ 52,000 |
| SPRINGFIELD, IL | 15 | $ 1,564,000 | $ 104,000 | $ 48,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 15 | $ 5,977,000 | $ 398,000 | $ 117,000 |
| ELMIRA, NY | 14 | $ 1,183,000 | $ 84,000 | $ 55,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 14 | $ 6,323,000 | $ 451,000 | $ 0 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 14 | $ 6,608,000 | $ 472,000 | $ 62,000 |
| DALLAS-PLANO-IRVING, TX | 13 | $ 4,978,000 | $ 382,000 | $ 19,000 |
| LEBANON, PA | 13 | $ 954,000 | $ 73,000 | $ 76,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 13 | $ 3,042,000 | $ 234,000 | $ 48,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 12 | $ 2,270,000 | $ 189,000 | $ 266,000 |
| READING, PA | 12 | $ 1,336,000 | $ 111,000 | $ 76,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 11 | $ 2,977,000 | $ 270,000 | $ 94,000 |
| COLUMBUS, IN | 11 | $ 1,364,000 | $ 124,000 | $ 42,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 11 | $ 2,024,000 | $ 184,000 | $ 136,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 11 | $ 5,198,000 | $ 472,000 | $ 55,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 11 | $ 7,968,000 | $ 724,000 | $ 247,000 |
| ELIZABETHTOWN, KY | 10 | $ 1,096,000 | $ 109,000 | $ 61,000 |
| ERIE, PA | 10 | $ 702,000 | $ 70,000 | $ 35,000 |
| KOKOMO, IN | 10 | $ 1,222,000 | $ 122,000 | $ 73,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 10 | $ 5,030,000 | $ 503,000 | $ 75,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 9 | $ 652,000 | $ 72,000 | $ 66,000 |
| ROCKFORD, IL | 9 | $ 521,000 | $ 57,000 | $ 59,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 8 | $ 2,909,000 | $ 363,000 | $ 47,000 |
| NILES-BENTON HARBOR, MI | 8 | $ 2,281,000 | $ 285,000 | $ 187,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 8 | $ 4,906,000 | $ 613,000 | $ 30,000 |
| STATE COLLEGE, PA | 8 | $ 567,000 | $ 70,000 | $ 48,000 |
| EVANSVILLE, IN-KY | 7 | $ 1,059,000 | $ 151,000 | $ 66,000 |
| LAS VEGAS-PARADISE, NV | 7 | $ 1,918,000 | $ 274,000 | $ 171,000 |
| WILMINGTON, NC | 7 | $ 1,923,000 | $ 274,000 | $ 53,000 |
| ALTOONA, PA | 6 | $ 300,000 | $ 50,000 | $ 74,000 |
| CHAMPAIGN-URBANA, IL | 6 | $ 824,000 | $ 137,000 | $ 63,000 |
| CHATTANOOGA, TN-GA | 6 | $ 879,000 | $ 146,000 | $ 45,000 |
| DURHAM, NC | 6 | $ 1,184,000 | $ 197,000 | $ 110,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 2,447,000 | $ 407,000 | $ 69,000 |
| FORT WORTH-ARLINGTON, TX | 6 | $ 3,814,000 | $ 635,000 | $ 36,000 |
| KANKAKEE-BRADLEY, IL | 6 | $ 365,000 | $ 60,000 | $ 45,000 |
| KNOXVILLE, TN | 6 | $ 1,752,000 | $ 292,000 | $ 19,000 |
| LYNCHBURG, VA | 6 | $ 725,000 | $ 120,000 | $ 59,000 |
| OCEAN CITY, NJ | 6 | $ 3,225,000 | $ 537,000 | $ 118,000 |
| ORLANDO, FL | 6 | $ 2,097,000 | $ 349,000 | $ 32,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 6 | $ 2,342,000 | $ 390,000 | $ 59,000 |
| SARASOTA-BRADENTON-VENICE, FL | 6 | $ 2,180,000 | $ 363,000 | $ 63,000 |
| TUCSON, AZ | 6 | $ 468,000 | $ 78,000 | $ 104,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 5 | $ 1,010,000 | $ 202,000 | $ 23,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 2,169,000 | $ 433,000 | $ 57,000 |
| ELKHART-GOSHEN, IN | 5 | $ 1,675,000 | $ 335,000 | $ 20,000 |
| JACKSONVILLE, FL | 5 | $ 2,347,000 | $ 469,000 | $ 0 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 5 | $ 760,000 | $ 152,000 | $ 67,000 |
| NAPLES-MARCO ISLAND, FL | 5 | $ 2,905,000 | $ 581,000 | $ 72,000 |
| OKLAHOMA CITY, OK | 5 | $ 2,393,000 | $ 478,000 | $ 0 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 5 | $ 1,065,000 | $ 213,000 | $ 78,000 |
| SALT LAKE CITY, UT | 5 | $ 1,850,000 | $ 370,000 | $ 47,000 |
| SAN ANTONIO, TX | 5 | $ 2,172,000 | $ 434,000 | $ 20,000 |
| SUMTER, SC | 5 | $ 477,000 | $ 95,000 | $ 46,000 |
| DALTON, GA | 4 | $ 369,000 | $ 92,000 | $ 62,000 |
| FAYETTEVILLE, NC | 4 | $ 431,000 | $ 107,000 | $ 47,000 |
| GREENVILLE, NC | 4 | $ 621,000 | $ 155,000 | $ 60,000 |
| HONOLULU, HI | 4 | $ 2,421,000 | $ 605,000 | $ 0 |
| LEXINGTON-FAYETTE, KY | 4 | $ 400,000 | $ 100,000 | $ 61,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 4 | $ 1,482,000 | $ 370,000 | $ 78,000 |
| PROVO-OREM, UT | 4 | $ 1,417,000 | $ 354,000 | $ 39,000 |
| SANTA CRUZ-WATSONVILLE, CA | 4 | $ 1,582,000 | $ 395,000 | $ 67,000 |
| TACOMA, WA | 4 | $ 1,678,000 | $ 419,000 | $ 25,000 |
| TRENTON-EWING, NJ | 4 | $ 790,000 | $ 197,000 | $ 107,000 |
| ATLANTIC CITY, NJ | 3 | $ 2,417,000 | $ 805,000 | $ 237,000 |
| BATON ROUGE, LA | 3 | $ 1,213,000 | $ 404,000 | $ 0 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 3 | $ 438,000 | $ 146,000 | $ 85,000 |
| BOULDER, CO | 3 | $ 1,757,000 | $ 585,000 | $ 0 |
| CHARLOTTESVILLE, VA | 3 | $ 1,102,000 | $ 367,000 | $ 33,000 |
| CUMBERLAND, MD-WV | 3 | $ 372,000 | $ 124,000 | $ 69,000 |
| FRESNO, CA | 3 | $ 1,650,000 | $ 550,000 | $ 0 |
| HARRISONBURG, VA | 3 | $ 1,324,000 | $ 441,000 | $ 40,000 |
| JOHNSTOWN, PA | 3 | $ 274,000 | $ 91,000 | $ 64,000 |
| KANSAS CITY, MO-KS | 3 | $ 679,000 | $ 226,000 | $ 25,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 3 | $ 720,000 | $ 240,000 | $ 97,000 |
| PEORIA, IL | 3 | $ 231,000 | $ 77,000 | $ 112,000 |
| PUEBLO, CO | 3 | $ 322,000 | $ 107,000 | $ 75,000 |
| PUNTA GORDA, FL | 3 | $ 830,000 | $ 276,000 | $ 42,000 |
| ROME, GA | 3 | $ 313,000 | $ 104,000 | $ 49,000 |
| SALINAS, CA | 3 | $ 1,233,000 | $ 411,000 | $ 49,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 3 | $ 300,000 | $ 100,000 | $ 56,000 |
| TULSA, OK | 3 | $ 1,582,000 | $ 527,000 | $ 0 |
| WINCHESTER, VA-WV | 3 | $ 617,000 | $ 205,000 | $ 67,000 |
| YUMA, AZ | 3 | $ 135,000 | $ 45,000 | $ 33,000 |
| ALBANY, GA | 2 | $ 345,000 | $ 172,000 | $ 48,000 |
| ALBUQUERQUE, NM | 2 | $ 821,000 | $ 410,000 | $ 0 |
| AUSTIN-ROUND ROCK, TX | 2 | $ 1,239,000 | $ 619,000 | $ 0 |
| BLOOMINGTON-NORMAL, IL | 2 | $ 306,000 | $ 153,000 | $ 57,000 |
| BOWLING GREEN, KY | 2 | $ 176,000 | $ 88,000 | $ 79,000 |
| CHARLESTON, WV | 2 | $ 1,033,000 | $ 516,000 | $ 73,000 |
| CLARKSVILLE, TN-KY | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| COLORADO SPRINGS, CO | 2 | $ 683,000 | $ 341,000 | $ 41,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 2 | $ 1,065,000 | $ 532,000 | $ 0 |
| HANFORD-CORCORAN, CA | 2 | $ 577,000 | $ 288,000 | $ 31,000 |
| JANESVILLE, WI | 2 | $ 141,000 | $ 70,000 | $ 75,000 |
| MACON, GA | 2 | $ 138,000 | $ 69,000 | $ 109,000 |
| MERCED, CA | 2 | $ 110,000 | $ 55,000 | $ 99,000 |
| MODESTO, CA | 2 | $ 145,000 | $ 72,000 | $ 77,000 |
| MORRISTOWN, TN | 2 | $ 269,000 | $ 134,000 | $ 40,000 |
| OCALA, FL | 2 | $ 45,000 | $ 22,000 | $ 63,000 |
| OGDEN-CLEARFIELD, UT | 2 | $ 272,000 | $ 136,000 | $ 37,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 2 | $ 611,000 | $ 305,000 | $ 51,000 |
| PANAMA CITY-LYNN HAVEN, FL | 2 | $ 1,024,000 | $ 512,000 | $ 0 |
| PITTSFIELD, MA | 2 | $ 251,000 | $ 125,000 | $ 171,000 |
| RENO-SPARKS, NV | 2 | $ 1,085,000 | $ 542,000 | $ 0 |
| SALEM, OR | 2 | $ 966,000 | $ 483,000 | $ 26,000 |
| SALISBURY, MD | 2 | $ 716,000 | $ 358,000 | $ 87,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 2 | $ 1,028,000 | $ 514,000 | $ 42,000 |
| SANTA ROSA-PETALUMA, CA | 2 | $ 722,000 | $ 361,000 | $ 0 |
| STOCKTON, CA | 2 | $ 160,000 | $ 80,000 | $ 93,000 |
| VALLEJO-FAIRFIELD, CA | 2 | $ 1,148,000 | $ 574,000 | $ 0 |
| BAKERSFIELD, CA | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| BELLINGHAM, WA | 1 | $ 457,000 | $ 457,000 | $ 0 |
| BEND, OR | 1 | $ 396,000 | $ 396,000 | $ 0 |
| BREMERTON-SILVERDALE, WA | 1 | $ 118,000 | $ 118,000 | $ 107,000 |
| CHICO, CA | 1 | $ 657,000 | $ 657,000 | $ 0 |
| COEUR D'ALENE, ID | 1 | $ 570,000 | $ 570,000 | $ 0 |
| COLUMBIA, MO | 1 | $ 514,000 | $ 514,000 | $ 0 |
| COLUMBUS, GA-AL | 1 | $ 76,000 | $ 76,000 | $ 33,000 |
| DECATUR, IL | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| EL CENTRO, CA | 1 | $ 62,000 | $ 62,000 | $ 0 |
| EL PASO, TX | 1 | $ 518,000 | $ 518,000 | $ 0 |
| FLAGSTAFF, AZ | 1 | $ 30,000 | $ 30,000 | $ 41,000 |
| FLORENCE, SC | 1 | $ 162,000 | $ 162,000 | $ 35,000 |
| FORT COLLINS-LOVELAND, CO | 1 | $ 325,000 | $ 325,000 | $ 0 |
| FORT SMITH, AR-OK | 1 | $ 757,000 | $ 757,000 | $ 0 |
| GAINESVILLE, GA | 1 | $ 443,000 | $ 443,000 | $ 0 |
| GREELEY, CO | 1 | $ 40,000 | $ 40,000 | $ 65,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 49,000 | $ 49,000 | $ 0 |
| JACKSON, TN | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| JOHNSON CITY, TN | 1 | $ 169,000 | $ 169,000 | $ 60,000 |
| JOPLIN, MO | 1 | $ 219,000 | $ 219,000 | $ 132,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 416,000 | $ 416,000 | $ 0 |
| LAKE CHARLES, LA | 1 | $ 88,000 | $ 88,000 | $ 0 |
| LAKELAND, FL | 1 | $ 27,000 | $ 27,000 | $ 107,000 |
| LUBBOCK, TX | 1 | $ 766,000 | $ 766,000 | $ 0 |
| MEDFORD, OR | 1 | $ 77,000 | $ 77,000 | $ 54,000 |
| MICHIGAN CITY-LA PORTE, IN | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| MIDLAND, TX | 1 | $ 394,000 | $ 394,000 | $ 0 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 648,000 | $ 648,000 | $ 0 |
| NAPA, CA | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| OLYMPIA, WA | 1 | $ 32,000 | $ 32,000 | $ 108,000 |
| OSHKOSH-NEENAH, WI | 1 | $ 722,000 | $ 722,000 | $ 0 |
| PASCAGOULA, MS | 1 | $ 32,000 | $ 32,000 | $ 0 |
| REDDING, CA | 1 | $ 45,000 | $ 45,000 | $ 600,000 |
| SPOKANE, WA | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| SPRINGFIELD, MO | 1 | $ 1,000 | $ 1,000 | $ 13,000 |
| ST. CLOUD, MN | 1 | $ 989,000 | $ 989,000 | $ 0 |
| TYLER, TX | 1 | $ 625,000 | $ 625,000 | $ 0 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 1 | $ 230,000 | $ 230,000 | $ 60,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| WICHITA, KS | 1 | $ 512,000 | $ 512,000 | $ 0 |
| YAKIMA, WA | 1 | $ 57,000 | $ 57,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Charter One Bank in 2005
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 | 16,713 | $2,098,832,000 | $462,500 | $28,000,000 | $52,022 | $2,913,000 |
| Home Improvement | 6,841 | $267,802,000 | $77,142 | $3,500,000 | $74,500 | $1,704,000 |
| Home Purchase | 6,421 | $995,934,000 | $257,045 | $4,000,000 | $67,500 | $3,250,000 |
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 | 21,193 | $2,204,416,000 | $163,837 | $3,500,000 | $108,918 | $3,250,000 |
| Black or African American | 2,860 | $195,566,000 | $119,565 | $720,000 | $61,913 | $990,000 |
| Not Provided | 2,450 | $244,335,000 | $144,656 | $3,360,000 | $101,062 | $2,913,000 |
| Hispanic | 1,520 | $124,852,000 | $122,227 | $764,000 | $62,136 | $1,000,000 |
| Not applicable | 977 | $487,247,000 | $718,688 | $28,000,000 | $0 | $0 |
| Asian | 754 | $85,911,000 | $149,541 | $1,000,000 | $80,541 | $690,000 |
| American Indian or Alaskan Native | 142 | $11,359,000 | $88,272 | $610,000 | $65,363 | $378,000 |
| Native Hawaiian or Other Pacific Islander | 79 | $8,882,000 | $154,888 | $1,000,000 | $64,000 | $566,000 |
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) | 29,974 | $3,362,536,000 | $291,021 | $28,000,000 | $63,425 | $3,250,000 |
| VA-guaranteed (Veterans Administration) | 1 | $32,000 | $32,000 | $32,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 12,928 | $1,306,672,000 | $757,666 | $28,000,000 | $61,533 | $1,408,000 |
| Application Denied By Financial Institution | 8,438 | $586,180,000 | $109,000 | $3,500,000 | $72,612 | $1,086,000 |
| Loan Purchased By The Institution | 3,681 | $897,139,000 | $347,133 | $2,475,000 | $59,755 | $3,250,000 |
| File Closed For Incompleteness | 3,258 | $446,356,000 | $122,500 | $757,000 | $81,500 | $1,704,000 |
| Application Approved But Not Accepted | 1,562 | $112,845,000 | $99,000 | $1,280,000 | $66,400 | $2,181,000 |
| Application Withdrawn By Applicant | 108 | $13,376,000 | $116,625 | $910,000 | $51,500 | $705,000 |
| 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 | 4,266 | $260,311,000 | $103,000 | $658,000 | $78,269 | $1,086,000 |
| Debt-To-Income Ratio | 1,685 | $126,456,000 | $103,000 | $3,500,000 | $57,272 | $360,000 |
| Collateral | 1,412 | $114,872,000 | $113,411 | $500,000 | $66,529 | $880,000 |
| Other | 811 | $72,989,000 | $128,318 | $640,000 | $83,318 | $552,000 |
| Unverifiable Information | 155 | $3,480,000 | $43,285 | $500,000 | $44,428 | $237,000 |
| Employment History | 67 | $4,939,000 | $91,000 | $235,000 | $45,100 | $105,000 |
| Credit Application Incomplete | 41 | $3,008,000 | $95,166 | $300,000 | $69,500 | $550,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter One Bank's 2005 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.