Cnb Lending Services, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Cnb Lending Services, Llc 2009 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 | Cnb Lending Services, Llc One South Howell St Hillsdale, MI 49242 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,268 |
| Total Mortgage Loan Application Amount | $156,693,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $1,186,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Cnb Lending Services, Llc. 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 Cnb Lending Services, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Cnb Lending Services, Llc'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 Cnb Lending Services, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Cnb Lending Services, Llc, 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 Cnb Lending Services, Llc's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hillsdale County Michigan | 509 | $ 56,131,000 | $ 110,000 | $ 67,000 |
| Jackson County Michigan | 445 | $ 64,554,000 | $ 145,000 | $ 96,000 |
| Lenawee County Michigan | 68 | $ 8,994,000 | $ 132,000 | $ 89,000 |
| Calhoun County Michigan | 53 | $ 5,458,000 | $ 102,000 | $ 65,000 |
| Branch County Michigan | 18 | $ 2,489,000 | $ 138,000 | $ 91,000 |
| Ingham County Michigan | 10 | $ 1,406,000 | $ 140,000 | $ 117,000 |
| Eaton County Michigan | 9 | $ 1,694,000 | $ 188,000 | $ 79,000 |
| Washtenaw County Michigan | 8 | $ 1,621,000 | $ 202,000 | $ 144,000 |
| Clare County Michigan | 3 | $ 441,000 | $ 147,000 | $ 118,000 |
| Mason County Michigan | 3 | $ 760,000 | $ 253,000 | $ 174,000 |
| Maricopa County Arizona | 2 | $ 243,000 | $ 121,000 | $ 69,000 |
| Charlevoix County Michigan | 2 | $ 418,000 | $ 209,000 | $ 139,000 |
| Kalamazoo County Michigan | 2 | $ 388,000 | $ 194,000 | $ 79,000 |
| Leelanau County Michigan | 2 | $ 716,000 | $ 358,000 | $ 211,000 |
| Livingston County Michigan | 2 | $ 298,000 | $ 149,000 | $ 114,000 |
| Lucas County Ohio | 2 | $ 291,000 | $ 145,000 | $ 118,000 |
| Escambia County Florida | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Hillsborough County Florida | 1 | $ 132,000 | $ 132,000 | $ 166,000 |
| Lee County Florida | 1 | $ 417,000 | $ 417,000 | $ 460,000 |
| Martin County Florida | 1 | $ 312,000 | $ 312,000 | $ 266,000 |
| Monroe County Florida | 1 | $ 201,000 | $ 201,000 | $ 291,000 |
| Polk County Florida | 1 | $ 170,000 | $ 170,000 | $ 180,000 |
| Sarasota County Florida | 1 | $ 417,000 | $ 417,000 | $ 348,000 |
| Kosciusko County Indiana | 1 | $ 156,000 | $ 156,000 | $ 54,000 |
| Noble County Indiana | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Steuben County Indiana | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Allegan County Michigan | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Antrim County Michigan | 1 | $ 417,000 | $ 417,000 | $ 1,186,000 |
| Chippewa County Michigan | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Clinton County Michigan | 1 | $ 100,000 | $ 100,000 | $ 7,000 |
| Crawford County Michigan | 1 | $ 123,000 | $ 123,000 | $ 212,000 |
| Grand Traverse County Michigan | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Kalkaska County Michigan | 1 | $ 86,000 | $ 86,000 | $ 78,000 |
| Keweenaw County Michigan | 1 | $ 161,000 | $ 161,000 | $ 175,000 |
| Lake County Michigan | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Manistee County Michigan | 1 | $ 153,000 | $ 153,000 | $ 100,000 |
| Monroe County Michigan | 1 | $ 236,000 | $ 236,000 | $ 99,000 |
| Montmorency County Michigan | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Ottawa County Michigan | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Roscommon County Michigan | 1 | $ 411,000 | $ 411,000 | $ 692,000 |
| Van Buren County Michigan | 1 | $ 152,000 | $ 152,000 | $ 347,000 |
| Williams County Ohio | 1 | $ 91,000 | $ 91,000 | $ 91,000 |
| Somervell County Texas | 1 | $ 30,000 | $ 30,000 | $ 12,000 |
Mortgage Loan Application Detail Totals for Cnb Lending Services, Llc in 2009
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 | 907 | $125,863,000 | $138,000 | $417,000 | $89,000 | $1,186,000 |
| Home Purchase | 289 | $23,358,000 | $80,000 | $417,000 | $60,000 | $561,000 |
| Home Improvement | 72 | $7,472,000 | $103,000 | $249,000 | $63,000 | $323,000 |
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 | 1,222 | $151,982,000 | $124,000 | $417,000 | $81,000 | $1,186,000 |
| Not Provided | 20 | $2,508,000 | $125,000 | $299,000 | $102,000 | $475,000 |
| Hispanic | 13 | $959,000 | $73,000 | $139,000 | $68,000 | $165,000 |
| Black or African American | 7 | $731,000 | $104,000 | $200,000 | $66,000 | $140,000 |
| Asian | 4 | $387,000 | $96,000 | $162,000 | $61,000 | $123,000 |
| American Indian or Alaskan Native | 2 | $126,000 | $63,000 | $75,000 | $43,000 | $51,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,251 | $155,281,000 | $124,000 | $417,000 | $81,000 | $1,186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,412,000 | $83,000 | $199,000 | $44,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 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 | 889 | $118,889,000 | $133,000 | $417,000 | $89,000 | $1,186,000 |
| Application Denied By Financial Institution | 126 | $14,419,000 | $114,000 | $312,000 | $59,000 | $295,000 |
| Preapproval Denied by Financial Institution | 125 | $7,601,000 | $60,000 | $215,000 | $39,000 | $170,000 |
| Application Approved But Not Accepted | 115 | $14,532,000 | $126,000 | $416,000 | $86,000 | $392,000 |
| Application Withdrawn By Applicant | 11 | $1,080,000 | $98,000 | $170,000 | $62,000 | $92,000 |
| File Closed For Incompleteness | 2 | $172,000 | $86,000 | $87,000 | $48,000 | $52,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 122 | $7,986,000 | $65,000 | $238,000 | $43,000 | $170,000 |
| Debt-To-Income Ratio | 72 | $6,968,000 | $96,000 | $290,000 | $38,000 | $119,000 |
| Collateral | 37 | $5,235,000 | $141,000 | $312,000 | $83,000 | $266,000 |
| Employment History | 8 | $447,000 | $55,000 | $147,000 | $20,000 | $41,000 |
| Other | 7 | $1,045,000 | $149,000 | $283,000 | $105,000 | $295,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $132,000 | $44,000 | $56,000 | $48,000 | $59,000 |
| Mortgage Insurance Denied | 1 | $45,000 | $45,000 | $45,000 | $43,000 | $43,000 |
| Unverifiable Information | 1 | $162,000 | $162,000 | $162,000 | $123,000 | $123,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Lending Services, Llc's 2009 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 Cnb Lending Services, Llc'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.