First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First National 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 | First National Bank 101 Dixie Highway Chicago Heights, IL 60411 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 814 |
| Total Mortgage Loan Application Amount | $40,947,000 |
| Average Mortgage Loan Application Amount | $49,363 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $42,590 |
| Highest Applicant Income | $576,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First National 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 First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First National 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 First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First National 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 First National Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 57 | $ 8,191,000 | $ 143,000 | $ 40,000 |
| Wayne County Michigan | 41 | $ 2,319,000 | $ 56,000 | $ 66,000 |
| Macomb County Michigan | 39 | $ 1,953,000 | $ 50,000 | $ 51,000 |
| Oakland County Michigan | 39 | $ 1,827,000 | $ 46,000 | $ 48,000 |
| Anoka County Minnesota | 26 | $ 1,215,000 | $ 46,000 | $ 47,000 |
| Ramsey County Minnesota | 22 | $ 888,000 | $ 40,000 | $ 52,000 |
| Washtenaw County Michigan | 20 | $ 982,000 | $ 49,000 | $ 54,000 |
| Dakota County Minnesota | 17 | $ 744,000 | $ 43,000 | $ 47,000 |
| Will County Illinois | 16 | $ 1,065,000 | $ 66,000 | $ 56,000 |
| Kent County Michigan | 15 | $ 497,000 | $ 33,000 | $ 35,000 |
| Monroe County Michigan | 14 | $ 656,000 | $ 46,000 | $ 50,000 |
| Genesee County Michigan | 13 | $ 548,000 | $ 42,000 | $ 54,000 |
| Livingston County Michigan | 13 | $ 636,000 | $ 48,000 | $ 45,000 |
| Champaign County Illinois | 12 | $ 521,000 | $ 43,000 | $ 43,000 |
| Polk County Iowa | 11 | $ 366,000 | $ 33,000 | $ 45,000 |
| Wright County Minnesota | 11 | $ 419,000 | $ 38,000 | $ 36,000 |
| Eaton County Michigan | 10 | $ 422,000 | $ 42,000 | $ 45,000 |
| Ottawa County Michigan | 9 | $ 307,000 | $ 34,000 | $ 38,000 |
| Portage County Ohio | 9 | $ 244,000 | $ 27,000 | $ 38,000 |
| Allegan County Michigan | 8 | $ 199,000 | $ 24,000 | $ 40,000 |
| Lenawee County Michigan | 8 | $ 296,000 | $ 37,000 | $ 43,000 |
| Black Hawk County Iowa | 7 | $ 159,000 | $ 22,000 | $ 28,000 |
| Kalamazoo County Michigan | 7 | $ 273,000 | $ 39,000 | $ 41,000 |
| Lapeer County Michigan | 7 | $ 364,000 | $ 52,000 | $ 57,000 |
| Summit County Ohio | 7 | $ 249,000 | $ 35,000 | $ 35,000 |
| Washington County Minnesota | 6 | $ 255,000 | $ 42,000 | $ 50,000 |
| Lee County Illinois | 5 | $ 156,000 | $ 31,000 | $ 40,000 |
| Berrien County Michigan | 5 | $ 169,000 | $ 33,000 | $ 34,000 |
| Calhoun County Michigan | 5 | $ 271,000 | $ 54,000 | $ 89,000 |
| Ingham County Michigan | 5 | $ 147,000 | $ 29,000 | $ 64,000 |
| Ionia County Michigan | 5 | $ 250,000 | $ 50,000 | $ 49,000 |
| Blue Earth County Minnesota | 5 | $ 250,000 | $ 50,000 | $ 47,000 |
| Chisago County Minnesota | 5 | $ 261,000 | $ 52,000 | $ 32,000 |
| Hennepin County Minnesota | 5 | $ 182,000 | $ 36,000 | $ 45,000 |
| St. Charles County Missouri | 5 | $ 179,000 | $ 35,000 | $ 39,000 |
| Muskingum County Ohio | 5 | $ 153,000 | $ 30,000 | $ 26,000 |
| Kankakee County Illinois | 4 | $ 350,000 | $ 87,000 | $ 67,000 |
| Lake County Illinois | 4 | $ 330,000 | $ 82,000 | $ 51,000 |
| McLean County Illinois | 4 | $ 120,000 | $ 30,000 | $ 60,000 |
| Clinton County Michigan | 4 | $ 148,000 | $ 37,000 | $ 53,000 |
| Muskegon County Michigan | 4 | $ 160,000 | $ 40,000 | $ 49,000 |
| St. Clair County Michigan | 4 | $ 202,000 | $ 50,000 | $ 58,000 |
| Benton County Minnesota | 4 | $ 180,000 | $ 45,000 | $ 37,000 |
| Sherburne County Minnesota | 4 | $ 215,000 | $ 53,000 | $ 40,000 |
| Clark County Ohio | 4 | $ 99,000 | $ 24,000 | $ 36,000 |
| Franklin County Ohio | 4 | $ 154,000 | $ 38,000 | $ 46,000 |
| Wood County Ohio | 4 | $ 197,000 | $ 49,000 | $ 39,000 |
| Fond du Lac County Wisconsin | 4 | $ 157,000 | $ 39,000 | $ 58,000 |
| Madison County Illinois | 3 | $ 99,000 | $ 33,000 | $ 36,000 |
| Sangamon County Illinois | 3 | $ 154,000 | $ 51,000 | $ 37,000 |
| Lake County Indiana | 3 | $ 174,000 | $ 58,000 | $ 34,000 |
| Marion County Indiana | 3 | $ 73,000 | $ 24,000 | $ 45,000 |
| Johnson County Iowa | 3 | $ 149,000 | $ 49,000 | $ 46,000 |
| Hillsdale County Michigan | 3 | $ 87,000 | $ 29,000 | $ 30,000 |
| Sanilac County Michigan | 3 | $ 58,000 | $ 19,000 | $ 29,000 |
| Pennington County Minnesota | 3 | $ 174,000 | $ 58,000 | $ 50,000 |
| St. Louis County Minnesota | 3 | $ 143,000 | $ 47,000 | $ 43,000 |
| Winona County Minnesota | 3 | $ 148,000 | $ 49,000 | $ 48,000 |
| Greene County Missouri | 3 | $ 106,000 | $ 35,000 | $ 93,000 |
| Hancock County Ohio | 3 | $ 49,000 | $ 16,000 | $ 20,000 |
| Lorain County Ohio | 3 | $ 143,000 | $ 47,000 | $ 36,000 |
| Preble County Ohio | 3 | $ 97,000 | $ 32,000 | $ 39,000 |
| Richland County Ohio | 3 | $ 84,000 | $ 28,000 | $ 38,000 |
| Trumbull County Ohio | 3 | $ 73,000 | $ 24,000 | $ 34,000 |
| Wayne County Ohio | 3 | $ 114,000 | $ 38,000 | $ 33,000 |
| Crawford County Wisconsin | 3 | $ 73,000 | $ 24,000 | $ 21,000 |
| Dodge County Wisconsin | 3 | $ 149,000 | $ 49,000 | $ 74,000 |
| La Crosse County Wisconsin | 3 | $ 118,000 | $ 39,000 | $ 38,000 |
| Sawyer County Wisconsin | 3 | $ 102,000 | $ 34,000 | $ 55,000 |
| Jasper County Illinois | 2 | $ 77,000 | $ 38,000 | $ 47,000 |
| Richland County Illinois | 2 | $ 69,000 | $ 34,000 | $ 40,000 |
| Shelby County Illinois | 2 | $ 105,000 | $ 52,000 | $ 41,000 |
| St. Clair County Illinois | 2 | $ 114,000 | $ 57,000 | $ 35,000 |
| Vermilion County Illinois | 2 | $ 57,000 | $ 28,000 | $ 36,000 |
| DeKalb County Indiana | 2 | $ 76,000 | $ 38,000 | $ 43,000 |
| Porter County Indiana | 2 | $ 25,000 | $ 12,000 | $ 34,000 |
| Dickinson County Iowa | 2 | $ 81,000 | $ 40,000 | $ 22,000 |
| Mahaska County Iowa | 2 | $ 60,000 | $ 30,000 | $ 20,000 |
| Scott County Iowa | 2 | $ 111,000 | $ 55,000 | $ 59,000 |
| Barry County Michigan | 2 | $ 85,000 | $ 42,000 | $ 49,000 |
| Mecosta County Michigan | 2 | $ 59,000 | $ 29,000 | $ 38,000 |
| Saginaw County Michigan | 2 | $ 93,000 | $ 46,000 | $ 45,000 |
| Beltrami County Minnesota | 2 | $ 103,000 | $ 51,000 | $ 47,000 |
| Carver County Minnesota | 2 | $ 74,000 | $ 37,000 | $ 27,000 |
| Nicollet County Minnesota | 2 | $ 113,000 | $ 56,000 | $ 74,000 |
| Olmsted County Minnesota | 2 | $ 101,000 | $ 50,000 | $ 45,000 |
| Roseau County Minnesota | 2 | $ 75,000 | $ 37,000 | $ 32,000 |
| Stearns County Minnesota | 2 | $ 72,000 | $ 36,000 | $ 25,000 |
| Clay County Missouri | 2 | $ 72,000 | $ 36,000 | $ 63,000 |
| Jackson County Missouri | 2 | $ 68,000 | $ 34,000 | $ 24,000 |
| Johnson County Missouri | 2 | $ 106,000 | $ 53,000 | $ 27,000 |
| Scott County Missouri | 2 | $ 90,000 | $ 45,000 | $ 30,000 |
| Coshocton County Ohio | 2 | $ 59,000 | $ 29,000 | $ 34,000 |
| Cuyahoga County Ohio | 2 | $ 51,000 | $ 25,000 | $ 43,000 |
| Hocking County Ohio | 2 | $ 65,000 | $ 32,000 | $ 32,000 |
| Knox County Ohio | 2 | $ 54,000 | $ 27,000 | $ 59,000 |
| Lake County Ohio | 2 | $ 98,000 | $ 49,000 | $ 48,000 |
| Licking County Ohio | 2 | $ 69,000 | $ 34,000 | $ 27,000 |
| Lucas County Ohio | 2 | $ 77,000 | $ 38,000 | $ 44,000 |
| Tuscarawas County Ohio | 2 | $ 35,000 | $ 17,000 | $ 21,000 |
| Barron County Wisconsin | 2 | $ 56,000 | $ 28,000 | $ 36,000 |
| Columbia County Wisconsin | 2 | $ 76,000 | $ 38,000 | $ 33,000 |
| Dunn County Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 58,000 |
| Marathon County Wisconsin | 2 | $ 56,000 | $ 28,000 | $ 55,000 |
| Monroe County Wisconsin | 2 | $ 47,000 | $ 23,000 | $ 36,000 |
| Pierce County Wisconsin | 2 | $ 108,000 | $ 54,000 | $ 35,000 |
| Vilas County Wisconsin | 2 | $ 111,000 | $ 55,000 | $ 36,000 |
| Walworth County Wisconsin | 2 | $ 57,000 | $ 28,000 | $ 24,000 |
| Washington County Wisconsin | 2 | $ 144,000 | $ 72,000 | $ 73,000 |
| Boone County Illinois | 1 | $ 64,000 | $ 64,000 | $ 42,000 |
| Bureau County Illinois | 1 | $ 38,000 | $ 38,000 | $ 62,000 |
| Cass County Illinois | 1 | $ 41,000 | $ 41,000 | $ 31,000 |
| Clay County Illinois | 1 | $ 81,000 | $ 81,000 | $ 52,000 |
| Coles County Illinois | 1 | $ 26,000 | $ 26,000 | $ 54,000 |
| Jackson County Illinois | 1 | $ 51,000 | $ 51,000 | $ 46,000 |
| Kane County Illinois | 1 | $ 143,000 | $ 143,000 | $ 73,000 |
| Kendall County Illinois | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Lawrence County Illinois | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| Macon County Illinois | 1 | $ 44,000 | $ 44,000 | $ 58,000 |
| Marshall County Illinois | 1 | $ 46,000 | $ 46,000 | $ 32,000 |
| Moultrie County Illinois | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Randolph County Illinois | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Rock Island County Illinois | 1 | $ 47,000 | $ 47,000 | $ 60,000 |
| Wayne County Illinois | 1 | $ 73,000 | $ 73,000 | $ 61,000 |
| Williamson County Illinois | 1 | $ 48,000 | $ 48,000 | $ 91,000 |
| Winnebago County Illinois | 1 | $ 38,000 | $ 38,000 | $ 51,000 |
| Allen County Indiana | 1 | $ 40,000 | $ 40,000 | $ 43,000 |
| Blackford County Indiana | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Boone County Indiana | 1 | $ 31,000 | $ 31,000 | $ 46,000 |
| Clark County Indiana | 1 | $ 54,000 | $ 54,000 | $ 45,000 |
| Hamilton County Indiana | 1 | $ 31,000 | $ 31,000 | $ 23,000 |
| Hancock County Indiana | 1 | $ 44,000 | $ 44,000 | $ 56,000 |
| Jackson County Indiana | 1 | $ 56,000 | $ 56,000 | $ 45,000 |
| Johnson County Indiana | 1 | $ 22,000 | $ 22,000 | $ 35,000 |
| Kosciusko County Indiana | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Vanderburgh County Indiana | 1 | $ 34,000 | $ 34,000 | $ 52,000 |
| Wabash County Indiana | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Whitley County Indiana | 1 | $ 58,000 | $ 58,000 | $ 48,000 |
| Cerro Gordo County Iowa | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Dallas County Iowa | 1 | $ 30,000 | $ 30,000 | $ 27,000 |
| Iowa County Iowa | 1 | $ 60,000 | $ 60,000 | $ 64,000 |
| Lee County Iowa | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Linn County Iowa | 1 | $ 59,000 | $ 59,000 | $ 58,000 |
| Monroe County Iowa | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Tama County Iowa | 1 | $ 18,000 | $ 18,000 | $ 24,000 |
| Warren County Iowa | 1 | $ 39,000 | $ 39,000 | $ 34,000 |
| Winneshiek County Iowa | 1 | $ 34,000 | $ 34,000 | $ 34,000 |
| Bay County Michigan | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Charlevoix County Michigan | 1 | $ 62,000 | $ 62,000 | $ 58,000 |
| Grand Traverse County Michigan | 1 | $ 27,000 | $ 27,000 | $ 40,000 |
| Gratiot County Michigan | 1 | $ 43,000 | $ 43,000 | $ 33,000 |
| Isabella County Michigan | 1 | $ 22,000 | $ 22,000 | $ 16,000 |
| Jackson County Michigan | 1 | $ 28,000 | $ 28,000 | $ 27,000 |
| Marquette County Michigan | 1 | $ 39,000 | $ 39,000 | $ 70,000 |
| Midland County Michigan | 1 | $ 32,000 | $ 32,000 | $ 84,000 |
| Newaygo County Michigan | 1 | $ 28,000 | $ 28,000 | $ 29,000 |
| Shiawassee County Michigan | 1 | $ 16,000 | $ 16,000 | $ 47,000 |
| St. Joseph County Michigan | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| Tuscola County Michigan | 1 | $ 28,000 | $ 28,000 | $ 20,000 |
| Wexford County Michigan | 1 | $ 37,000 | $ 37,000 | $ 32,000 |
| Aitkin County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Big Stone County Minnesota | 1 | $ 61,000 | $ 61,000 | $ 34,000 |
| Brown County Minnesota | 1 | $ 38,000 | $ 38,000 | $ 25,000 |
| Crow Wing County Minnesota | 1 | $ 47,000 | $ 47,000 | $ 34,000 |
| Douglas County Minnesota | 1 | $ 33,000 | $ 33,000 | $ 56,000 |
| Isanti County Minnesota | 1 | $ 17,000 | $ 17,000 | $ 16,000 |
| Kanabec County Minnesota | 1 | $ 17,000 | $ 17,000 | $ 17,000 |
| McLeod County Minnesota | 1 | $ 34,000 | $ 34,000 | $ 41,000 |
| Meeker County Minnesota | 1 | $ 48,000 | $ 48,000 | $ 36,000 |
| Morrison County Minnesota | 1 | $ 41,000 | $ 41,000 | $ 42,000 |
| Pine County Minnesota | 1 | $ 78,000 | $ 78,000 | $ 48,000 |
| Polk County Minnesota | 1 | $ 24,000 | $ 24,000 | $ 28,000 |
| Rice County Minnesota | 1 | $ 36,000 | $ 36,000 | $ 34,000 |
| Scott County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 41,000 |
| Wabasha County Minnesota | 1 | $ 51,000 | $ 51,000 | $ 64,000 |
| Benton County Missouri | 1 | $ 31,000 | $ 31,000 | $ 33,000 |
| Butler County Missouri | 1 | $ 72,000 | $ 72,000 | $ 69,000 |
| Caldwell County Missouri | 1 | $ 66,000 | $ 66,000 | $ 55,000 |
| Cape Girardeau County Missouri | 1 | $ 43,000 | $ 43,000 | $ 48,000 |
| Cedar County Missouri | 1 | $ 79,000 | $ 79,000 | $ 576,000 |
| Crawford County Missouri | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| DeKalb County Missouri | 1 | $ 27,000 | $ 27,000 | $ 32,000 |
| Dent County Missouri | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Franklin County Missouri | 1 | $ 43,000 | $ 43,000 | $ 51,000 |
| Howell County Missouri | 1 | $ 46,000 | $ 46,000 | $ 28,000 |
| Jefferson County Missouri | 1 | $ 31,000 | $ 31,000 | $ 34,000 |
| Laclede County Missouri | 1 | $ 49,000 | $ 49,000 | $ 27,000 |
| New Madrid County Missouri | 1 | $ 16,000 | $ 16,000 | $ 19,000 |
| Newton County Missouri | 1 | $ 20,000 | $ 20,000 | $ 25,000 |
| Polk County Missouri | 1 | $ 71,000 | $ 71,000 | $ 35,000 |
| Randolph County Missouri | 1 | $ 53,000 | $ 53,000 | $ 32,000 |
| St. Clair County Missouri | 1 | $ 37,000 | $ 37,000 | $ 22,000 |
| St. Francois County Missouri | 1 | $ 44,000 | $ 44,000 | $ 29,000 |
| St. Louis County Missouri | 1 | $ 79,000 | $ 79,000 | $ 53,000 |
| Washington County Missouri | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Webster County Missouri | 1 | $ 44,000 | $ 44,000 | $ 45,000 |
| Bottineau County North Dakota | 1 | $ 91,000 | $ 91,000 | $ 43,000 |
| Cass County North Dakota | 1 | $ 32,000 | $ 32,000 | $ 42,000 |
| Grand Forks County North Dakota | 1 | $ 83,000 | $ 83,000 | $ 38,000 |
| Brown County Ohio | 1 | $ 34,000 | $ 34,000 | $ 86,000 |
| Butler County Ohio | 1 | $ 53,000 | $ 53,000 | $ 62,000 |
| Clermont County Ohio | 1 | $ 49,000 | $ 49,000 | $ 30,000 |
| Clinton County Ohio | 1 | $ 15,000 | $ 15,000 | $ 37,000 |
| Fairfield County Ohio | 1 | $ 51,000 | $ 51,000 | $ 27,000 |
| Guernsey County Ohio | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Highland County Ohio | 1 | $ 51,000 | $ 51,000 | $ 27,000 |
| Holmes County Ohio | 1 | $ 57,000 | $ 57,000 | $ 26,000 |
| Logan County Ohio | 1 | $ 40,000 | $ 40,000 | $ 31,000 |
| Medina County Ohio | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| Miami County Ohio | 1 | $ 48,000 | $ 48,000 | $ 27,000 |
| Monroe County Ohio | 1 | $ 51,000 | $ 51,000 | $ 51,000 |
| Ottawa County Ohio | 1 | $ 53,000 | $ 53,000 | $ 70,000 |
| Pickaway County Ohio | 1 | $ 32,000 | $ 32,000 | $ 43,000 |
| Sandusky County Ohio | 1 | $ 34,000 | $ 34,000 | $ 25,000 |
| Shelby County Ohio | 1 | $ 56,000 | $ 56,000 | $ 48,000 |
| Union County Ohio | 1 | $ 9,000 | $ 9,000 | $ 40,000 |
| Williams County Ohio | 1 | $ 33,000 | $ 33,000 | $ 36,000 |
| Brown County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Gregory County South Dakota | 1 | $ 38,000 | $ 38,000 | $ 31,000 |
| Ziebach County South Dakota | 1 | $ 31,000 | $ 31,000 | $ 43,000 |
| Dane County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 144,000 |
| Douglas County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Eau Claire County Wisconsin | 1 | $ 27,000 | $ 27,000 | $ 28,000 |
| Green County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 24,000 |
| Green Lake County Wisconsin | 1 | $ 23,000 | $ 23,000 | $ 28,000 |
| Iron County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 31,000 |
| Juneau County Wisconsin | 1 | $ 38,000 | $ 38,000 | $ 25,000 |
| Marquette County Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 50,000 |
| Outagamie County Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 54,000 |
| Racine County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 30,000 |
| Rock County Wisconsin | 1 | $ 29,000 | $ 29,000 | $ 44,000 |
| Shawano County Wisconsin | 1 | $ 43,000 | $ 43,000 | $ 32,000 |
| St. Croix County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 20,000 |
| Vernon County Wisconsin | 1 | $ 36,000 | $ 36,000 | $ 41,000 |
| Waukesha County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Winnebago County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Wood County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for First National 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 627 | $29,654,000 | $46,454 | $700,000 | $42,727 | $576,000 |
| Refinancing | 158 | $10,787,000 | $62,250 | $1,800,000 | $43,875 | $159,000 |
| Home Improvement | 29 | $506,000 | $25,666 | $81,000 | $38,666 | $212,000 |
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 | 755 | $33,842,000 | $44,363 | $700,000 | $42,727 | $576,000 |
| Black or African American | 25 | $1,500,000 | $45,400 | $550,000 | $51,200 | $123,000 |
| Hispanic | 16 | $587,000 | $40,000 | $134,000 | $43,250 | $79,000 |
| Asian | 6 | $214,000 | $35,800 | $55,000 | $33,000 | $52,000 |
| Not Provided | 6 | $668,000 | $75,500 | $196,000 | $47,000 | $120,000 |
| Not applicable | 4 | $4,044,000 | $1,011,000 | $1,800,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $92,000 | $46,000 | $56,000 | $75,500 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 814 | $40,947,000 | $47,272 | $1,800,000 | $42,636 | $576,000 |
| 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 |
| VA-guaranteed (Veterans 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 | 376 | $18,857,000 | $46,888 | $700,000 | $42,111 | $260,000 |
| Application Approved But Not Accepted | 242 | $10,512,000 | $45,545 | $180,000 | $46,545 | $576,000 |
| Application Denied By Financial Institution | 194 | $8,178,000 | $40,666 | $107,000 | $40,888 | $113,000 |
| Application Withdrawn By Applicant | 2 | $3,400,000 | $1,700,000 | $1,800,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Application Incomplete | 73 | $3,149,000 | $39,666 | $107,000 | $40,000 | $89,000 |
| Debt-To-Income Ratio | 68 | $3,058,000 | $46,750 | $88,000 | $43,375 | $113,000 |
| Credit History | 27 | $946,000 | $43,500 | $79,000 | $51,666 | $89,000 |
| Employment History | 10 | $442,000 | $46,000 | $67,000 | $37,500 | $72,000 |
| Collateral | 7 | $244,000 | $24,333 | $55,000 | $27,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $208,000 | $42,666 | $58,000 | $26,666 | $36,000 |
| Unverifiable Information | 3 | $109,000 | $34,500 | $51,000 | $41,000 | $46,000 |
| Other | 1 | $22,000 | $22,000 | $22,000 | $27,000 | $27,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National 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 First National 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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