First National Bank in Howell Mortgage Lending & HMDA Data, 2019
In 2019, First National Bank in Howell of Howell, MI reported 348 mortgage applications totaling $79.8 million. The average application was for $229,281, and applicants reported an average income of $119,727. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (206), Detroit-Dearborn-Livonia, MI (44) and Ann Arbor, MI (27) (applications in parentheses).
| Mortgage Company & Address | First National Bank in Howell 101 E Grand River Ave Howell, MI 48843 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 |
| Total Number of Mortgage Applications | 348 |
| Total Mortgage Loan Application Amount | $79,790,000 |
| Average Mortgage Loan Application Amount | $229,281 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $119,727 |
| Highest Applicant Income | $1,719,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank in Howell filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland, Michigan | 98 | $ 27,400,000 | $ 279,591 | $ 153,000 |
| Livingston, Michigan | 87 | $ 16,375,000 | $ 188,218 | $ 98,000 |
| Wayne, Michigan | 44 | $ 8,080,000 | $ 183,636 | $ 105,000 |
| Washtenaw, Michigan | 27 | $ 7,695,000 | $ 285,000 | $ 142,000 |
| Genesee, Michigan | 24 | $ 7,480,000 | $ 311,666 | $ 83,000 |
| Macomb, Michigan | 19 | $ 3,615,000 | $ 190,263 | $ 71,000 |
| Ingham, Michigan | 4 | $ 790,000 | $ 197,500 | $ 100,000 |
| Indian River, Florida | 3 | $ 605,000 | $ 201,666 | $ 147,000 |
| Jackson, Michigan | 3 | $ 625,000 | $ 208,333 | $ 89,000 |
| Lenawee, Michigan | 3 | $ 665,000 | $ 221,666 | $ 96,000 |
| Monroe, Michigan | 3 | $ 525,000 | $ 175,000 | $ 77,000 |
| Lapeer, Michigan | 2 | $ 660,000 | $ 330,000 | $ 185,000 |
| Shiawassee, Michigan | 2 | $ 100,000 | $ 50,000 | $ 59,000 |
| Milwaukee, Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 108,000 |
| Maricopa, Arizona | 1 | $ 355,000 | $ 355,000 | $ 143,000 |
| Orange, California | 1 | $ 455,000 | $ 455,000 | $ 600,000 |
| Sacramento, California | 1 | $ 335,000 | $ 335,000 | $ 110,000 |
| Charlotte, Florida | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Manatee, Florida | 1 | $ 155,000 | $ 155,000 | $ 96,000 |
| Polk, Florida | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Paulding, Georgia | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Cook, Illinois | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Allen, Indiana | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Monroe, Indiana | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Alcona, Michigan | 1 | $ 75,000 | $ 75,000 | $ 176,000 |
| Antrim, Michigan | 1 | $ 85,000 | $ 85,000 | $ 147,000 |
| Charlevoix, Michigan | 1 | $ 225,000 | $ 225,000 | $ 527,000 |
| Crawford, Michigan | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Gladwin, Michigan | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Huron, Michigan | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Ionia, Michigan | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Iosco, Michigan | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Kent, Michigan | 1 | $ 315,000 | $ 315,000 | $ 166,000 |
| Lake, Michigan | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Manistee, Michigan | 1 | $ 255,000 | $ 255,000 | $ 154,000 |
| Oceana, Michigan | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| Ogemaw, Michigan | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Osceola, Michigan | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Clark, Nevada | 1 | $ 125,000 | $ 125,000 | $ 240,000 |
| Jackson, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 38,000 |
| Mason, Washington | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for First National Bank in Howell in 2019
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 | 184 | $44,770,000 | $243,000 | $3,605,000 | $121,000 | $1,397,000 |
| Refinancing | 80 | $18,070,000 | $225,000 | $485,000 | $125,000 | $870,000 |
| Cash-out Refinancing | 77 | $16,495,000 | $214,000 | $585,000 | $117,000 | $1,719,000 |
| Home Improvement | 7 | $455,000 | $65,000 | $255,000 | $56,000 | $98,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 308 | $63,870,000 | $207,000 | $585,000 | $114,000 | $1,719,000 |
| Not applicable | 12 | $9,590,000 | $799,000 | $3,605,000 | $0 | $0 |
| Not Provided | 11 | $3,095,000 | $281,000 | $1,645,000 | $194,000 | $1,316,000 |
| Hispanic | 10 | $1,390,000 | $139,000 | $385,000 | $63,000 | $212,000 |
| Asian | 3 | $695,000 | $231,000 | $295,000 | $157,000 | $205,000 |
| Black or African American | 3 | $665,000 | $221,000 | $425,000 | $122,000 | $158,000 |
| American Indian or Alaskan Native | 1 | $485,000 | $485,000 | $485,000 | $1,397,000 | $1,397,000 |
| 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) | 291 | $70,145,000 | $241,000 | $3,605,000 | $129,000 | $1,719,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,385,000 | $164,000 | $325,000 | $73,000 | $182,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,455,000 | $207,000 | $335,000 | $73,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $805,000 | $161,000 | $215,000 | $69,000 | $89,000 |
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 | 308 | $72,290,000 | $234,000 | $3,605,000 | $112,000 | $1,397,000 |
| Application Withdrawn By Applicant | 23 | $4,415,000 | $191,000 | $585,000 | $203,000 | $1,719,000 |
| Application Denied By Financial Institution | 9 | $1,615,000 | $179,000 | $445,000 | $118,000 | $527,000 |
| Loan Purchased By The Institution | 5 | $725,000 | $145,000 | $175,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $570,000 | $285,000 | $425,000 | $291,000 | $425,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $68,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 348 | $79,790,000 | $229,000 | $3,605,000 | $120,000 | $1,719,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank in Howell's 2019 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 in Howell'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.
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