Flagstar Bank Mortgage Lending & HMDA Data, 2010

In 2010, Flagstar Bank of Troy, MI reported 172,927 mortgage applications totaling $37.5 billion, down 26% from 2009. The average application was for $216,870, and applicants reported an average income of $92,857. 59% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (7,962), Houston-Sugar Land-Baytown, TX (5,772) and Warren-Troy-Farmington Hills, MI (4,960) (applications in parentheses).

Mortgage Company & Address Flagstar Bank
5151 Corporate Dr
Troy, MI 48098
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 172,927
Total Mortgage Loan Application Amount $37,502,745,000
Average Mortgage Loan Application Amount $216,870
Highest Mortgage Loan Application Amount $16,000,000
Average Applicant Income $92,857
Highest Applicant Income $8,399,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Flagstar Bank by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 7,962 $ 2,611,854,000 $ 328,039 $ 116,000
San Diego, California 4,817 $ 1,528,229,000 $ 317,257 $ 115,000
Orange, California 4,654 $ 1,661,486,000 $ 357,001 $ 129,000
Harris, Texas 3,348 $ 584,121,000 $ 174,468 $ 107,000
Maricopa, Arizona 3,145 $ 591,364,000 $ 188,033 $ 93,000
King, Washington 2,936 $ 872,744,000 $ 297,256 $ 108,000
Oakland, Michigan 2,714 $ 496,948,000 $ 183,105 $ 94,000
Riverside, California 2,303 $ 504,942,000 $ 219,254 $ 97,000
Broward, Florida 2,242 $ 403,502,000 $ 179,974 $ 88,000
Wayne, Michigan 2,218 $ 301,147,000 $ 135,774 $ 71,000
Miami-Dade, Florida 2,094 $ 369,143,000 $ 176,286 $ 86,000
Santa Clara, California 1,957 $ 770,307,000 $ 393,616 $ 144,000
Palm Beach, Florida 1,580 $ 310,746,000 $ 196,674 $ 115,000
San Bernardino, California 1,545 $ 330,843,000 $ 214,137 $ 92,000
Macomb, Michigan 1,481 $ 203,330,000 $ 137,292 $ 64,000
Cook, Illinois 1,456 $ 318,959,000 $ 219,065 $ 90,000
Travis, Texas 1,453 $ 321,242,000 $ 221,088 $ 125,000
Ventura, California 1,404 $ 472,521,000 $ 336,553 $ 116,000
Alameda, California 1,353 $ 473,506,000 $ 349,967 $ 125,000
Pierce, Washington 1,191 $ 276,410,000 $ 232,082 $ 82,000
Sacramento, California 1,146 $ 269,303,000 $ 234,993 $ 99,000
Snohomish, Washington 1,113 $ 297,189,000 $ 267,016 $ 94,000
Pima, Arizona 1,082 $ 184,974,000 $ 170,955 $ 78,000
St. Louis, Missouri 1,049 $ 178,961,000 $ 170,601 $ 77,000
Fort Bend, Texas 1,038 $ 211,185,000 $ 203,453 $ 118,000
Washtenaw, Michigan 1,037 $ 198,057,000 $ 190,990 $ 99,000
Clark, Nevada 963 $ 161,954,000 $ 168,176 $ 91,000
Dallas, Texas 952 $ 174,813,000 $ 183,627 $ 105,000
Bexar, Texas 939 $ 155,709,000 $ 165,824 $ 95,000
Tarrant, Texas 927 $ 154,807,000 $ 166,997 $ 104,000
Fresno, California 920 $ 179,461,000 $ 195,066 $ 88,000
Kent, Michigan 920 $ 117,264,000 $ 127,460 $ 54,000
Collin, Texas 889 $ 177,961,000 $ 200,181 $ 113,000
Contra Costa, California 886 $ 302,693,000 $ 341,639 $ 135,000
Multnomah, Oregon 864 $ 198,850,000 $ 230,150 $ 90,000
Providence, Rhode Island 811 $ 172,386,000 $ 212,559 $ 79,000
San Mateo, California 757 $ 305,831,000 $ 404,003 $ 135,000
Salt Lake, Utah 735 $ 160,451,000 $ 218,300 $ 78,000
Sedgwick, Kansas 721 $ 92,145,000 $ 127,801 $ 58,000
Jefferson, Colorado 691 $ 157,418,000 $ 227,811 $ 93,000
Denton, Texas 686 $ 137,868,000 $ 200,973 $ 111,000
Baltimore, Maryland 672 $ 157,901,000 $ 234,971 $ 91,000
Arapahoe, Colorado 651 $ 139,114,000 $ 213,692 $ 83,000
Orange, Florida 649 $ 113,403,000 $ 174,734 $ 81,000
St. Charles, Missouri 644 $ 113,419,000 $ 176,116 $ 72,000
Hillsborough, Florida 641 $ 112,488,000 $ 175,488 $ 81,000
Hartford, Connecticut 630 $ 140,280,000 $ 222,666 $ 95,000
Suffolk, New York 626 $ 192,535,000 $ 307,563 $ 110,000
Nassau, New York 622 $ 203,214,000 $ 326,710 $ 116,000
Montgomery, Texas 622 $ 122,970,000 $ 197,700 $ 118,000
Denver, Colorado 620 $ 132,088,000 $ 213,045 $ 89,000
Sonoma, California 612 $ 176,526,000 $ 288,441 $ 111,000
Lee, Florida 603 $ 106,142,000 $ 176,023 $ 125,000
Franklin, Ohio 598 $ 97,985,000 $ 163,854 $ 85,000
Mecklenburg, North Carolina 577 $ 112,583,000 $ 195,117 $ 85,000
San Francisco, California 567 $ 224,543,000 $ 396,019 $ 135,000
Douglas, Nebraska 564 $ 86,753,000 $ 153,817 $ 74,000
Ada, Idaho 560 $ 99,812,000 $ 178,235 $ 91,000
Williamson, Texas 545 $ 98,382,000 $ 180,517 $ 97,000
Douglas, Colorado 544 $ 141,015,000 $ 259,218 $ 124,000
Middlesex, Massachusetts 544 $ 162,335,000 $ 298,409 $ 100,000
Montgomery, Maryland 535 $ 170,939,000 $ 319,512 $ 121,000
Fulton, Georgia 534 $ 117,137,000 $ 219,357 $ 128,000
Jackson, Michigan 529 $ 56,999,000 $ 107,748 $ 57,000
Gwinnett, Georgia 513 $ 90,942,000 $ 177,274 $ 87,000
Cobb, Georgia 502 $ 101,180,000 $ 201,553 $ 93,000
Wake, North Carolina 495 $ 104,330,000 $ 210,767 $ 91,000
Brevard, Florida 478 $ 75,576,000 $ 158,108 $ 83,000
Livingston, Michigan 471 $ 91,916,000 $ 195,150 $ 81,000
Marion, Indiana 466 $ 60,571,000 $ 129,980 $ 69,000
Prince George's, Maryland 466 $ 121,594,000 $ 260,931 $ 82,000
Fairfax, Virginia 464 $ 160,134,000 $ 345,116 $ 130,000
Pinellas, Florida 455 $ 79,220,000 $ 174,109 $ 88,000
Placer, California 441 $ 123,161,000 $ 279,276 $ 111,000
Spokane, Washington 441 $ 80,561,000 $ 182,678 $ 77,000
Duval, Florida 439 $ 78,878,000 $ 179,676 $ 76,000
Allen, Indiana 427 $ 56,627,000 $ 132,615 $ 69,000
Hennepin, Minnesota 425 $ 90,848,000 $ 213,760 $ 93,000
Queens, New York 416 $ 143,034,000 $ 343,831 $ 97,000
Bergen, New Jersey 410 $ 134,313,000 $ 327,592 $ 121,000
Solano, California 400 $ 92,220,000 $ 230,550 $ 97,000
Philadelphia, Pennsylvania 398 $ 67,968,000 $ 170,773 $ 77,000
Anne Arundel, Maryland 388 $ 107,362,000 $ 276,706 $ 100,000
Washington, Oregon 386 $ 92,179,000 $ 238,805 $ 99,000
Lake, Illinois 385 $ 72,055,000 $ 187,155 $ 79,000
Galveston, Texas 385 $ 69,885,000 $ 181,519 $ 107,000
Pennington, South Dakota 383 $ 63,482,000 $ 165,749 $ 67,000
Adams, Colorado 376 $ 74,707,000 $ 198,688 $ 68,000
Kings, New York 375 $ 146,438,000 $ 390,501 $ 118,000
DeKalb, Georgia 372 $ 70,374,000 $ 189,177 $ 87,000
Ingham, Michigan 367 $ 45,483,000 $ 123,931 $ 58,000
Marion, Oregon 365 $ 67,126,000 $ 183,906 $ 69,000
Kern, California 362 $ 60,833,000 $ 168,046 $ 74,000
Clark, Washington 359 $ 78,813,000 $ 219,534 $ 91,000
Davis, Utah 357 $ 76,486,000 $ 214,246 $ 73,000
Middlesex, New Jersey 353 $ 99,157,000 $ 280,898 $ 107,000
Bernalillo, New Mexico 351 $ 67,484,000 $ 192,262 $ 88,000
Benton, Washington 346 $ 64,500,000 $ 186,416 $ 87,000
Ocean, New Jersey 344 $ 86,643,000 $ 251,869 $ 98,000
Volusia, Florida 341 $ 48,664,000 $ 142,709 $ 84,000
Milwaukee, Wisconsin 335 $ 49,982,000 $ 149,200 $ 58,000
San Joaquin, California 329 $ 68,551,000 $ 208,361 $ 87,000
New Haven, Connecticut 329 $ 74,661,000 $ 226,933 $ 90,000
Kenosha, Wisconsin 325 $ 49,772,000 $ 153,144 $ 63,000
Collier, Florida 324 $ 63,088,000 $ 194,716 $ 120,000
El Paso, Texas 322 $ 48,609,000 $ 150,959 $ 82,000
Norfolk, Massachusetts 320 $ 91,216,000 $ 285,050 $ 122,000
Seminole, Florida 319 $ 60,187,000 $ 188,673 $ 85,000
Jackson, Missouri 318 $ 44,238,000 $ 139,113 $ 60,000
Cuyahoga, Ohio 317 $ 44,138,000 $ 139,236 $ 74,000
Clackamas, Oregon 316 $ 75,699,000 $ 239,553 $ 100,000
Fairfield, Connecticut 314 $ 98,682,000 $ 314,273 $ 136,000
Bristol, Massachusetts 312 $ 73,154,000 $ 234,467 $ 80,000
El Paso, Colorado 309 $ 68,728,000 $ 222,420 $ 90,000
Davidson, Tennessee 308 $ 57,553,000 $ 186,860 $ 92,000
Jefferson, Missouri 307 $ 47,087,000 $ 153,377 $ 60,000
Lake, Indiana 303 $ 45,177,000 $ 149,099 $ 62,000
Allegheny, Pennsylvania 303 $ 43,369,000 $ 143,132 $ 73,000
Hamilton, Indiana 300 $ 83,435,000 $ 278,116 $ 97,000
Johnson, Kansas 300 $ 57,040,000 $ 190,133 $ 80,000
Ottawa, Michigan 299 $ 43,750,000 $ 146,321 $ 60,000
Vanderburgh, Indiana 297 $ 41,319,000 $ 139,121 $ 69,000
Essex, Massachusetts 294 $ 80,290,000 $ 273,095 $ 91,000
Porter, Indiana 289 $ 48,316,000 $ 167,183 $ 68,000
Monmouth, New Jersey 289 $ 86,440,000 $ 299,100 $ 132,000
Greenville, South Carolina 288 $ 52,589,000 $ 182,600 $ 78,000
Brazoria, Texas 287 $ 49,379,000 $ 172,052 $ 99,000
Jefferson, Alabama 285 $ 45,235,000 $ 158,719 $ 70,000
Weber, Utah 284 $ 48,601,000 $ 171,130 $ 64,000
Baltimore City, Maryland 278 $ 50,490,000 $ 181,618 $ 81,000
Worcester, Massachusetts 269 $ 61,109,000 $ 227,171 $ 75,000
DuPage, Illinois 268 $ 62,106,000 $ 231,738 $ 99,000
East Baton Rouge, Louisiana 267 $ 51,186,000 $ 191,707 $ 108,000
Sheboygan, Wisconsin 267 $ 34,856,000 $ 130,546 $ 70,000
Sarasota, Florida 265 $ 50,810,000 $ 191,735 $ 104,000
Boulder, Colorado 263 $ 68,693,000 $ 261,190 $ 104,000
Mohave, Arizona 262 $ 38,937,000 $ 148,614 $ 83,000
St. Lucie, Florida 259 $ 32,782,000 $ 126,571 $ 76,000
Pinal, Arizona 254 $ 36,906,000 $ 145,299 $ 77,000
San Luis Obispo, California 254 $ 77,997,000 $ 307,074 $ 130,000
Shelby, Tennessee 254 $ 40,733,000 $ 160,366 $ 89,000
Genesee, Michigan 253 $ 30,219,000 $ 119,442 $ 56,000
Rockingham, New Hampshire 251 $ 60,496,000 $ 241,019 $ 94,000
Montgomery, Pennsylvania 250 $ 60,018,000 $ 240,072 $ 102,000
Sangamon, Illinois 248 $ 31,041,000 $ 125,165 $ 55,000
Kent, Rhode Island 248 $ 52,577,000 $ 212,004 $ 80,000
Whatcom, Washington 245 $ 58,929,000 $ 240,526 $ 88,000
Hidalgo, Texas 244 $ 41,565,000 $ 170,348 $ 101,000
St. Johns, Florida 239 $ 52,647,000 $ 220,280 $ 101,000
Utah, Utah 239 $ 48,039,000 $ 201,000 $ 79,000
Manatee, Florida 237 $ 43,945,000 $ 185,421 $ 100,000
Kitsap, Washington 235 $ 57,974,000 $ 246,697 $ 109,000
Honolulu, Hawaii 233 $ 91,085,000 $ 390,922 $ 103,000
Washington, Rhode Island 233 $ 58,876,000 $ 252,686 $ 110,000
Boone, Missouri 232 $ 35,838,000 $ 154,474 $ 59,000
Stanislaus, California 229 $ 34,875,000 $ 152,292 $ 69,000
Hillsborough, New Hampshire 229 $ 50,160,000 $ 219,039 $ 93,000
Martin, Florida 226 $ 43,864,000 $ 194,088 $ 95,000
Thurston, Washington 224 $ 52,506,000 $ 234,401 $ 87,000
Will, Illinois 223 $ 45,566,000 $ 204,331 $ 73,000
Larimer, Colorado 220 $ 45,645,000 $ 207,477 $ 104,000
Howard, Maryland 220 $ 66,077,000 $ 300,350 $ 118,000
Jefferson, Louisiana 219 $ 35,750,000 $ 163,242 $ 80,000
Cherokee, Georgia 217 $ 43,758,000 $ 201,649 $ 92,000
Humboldt, California 214 $ 47,396,000 $ 221,476 $ 83,000
Sarpy, Nebraska 214 $ 35,102,000 $ 164,028 $ 60,000
New Castle, Delaware 212 $ 46,614,000 $ 219,877 $ 77,000
Harford, Maryland 211 $ 52,965,000 $ 251,018 $ 93,000
Shasta, California 210 $ 39,059,000 $ 185,995 $ 78,000
St. Clair, Michigan 209 $ 28,693,000 $ 137,287 $ 64,000
Tulsa, Oklahoma 208 $ 30,047,000 $ 144,456 $ 75,000
Union, New Jersey 205 $ 56,288,000 $ 274,575 $ 98,000
El Dorado, California 204 $ 59,170,000 $ 290,049 $ 124,000
St. Tammany, Louisiana 202 $ 42,672,000 $ 211,247 $ 101,000
Pasco, Florida 199 $ 31,704,000 $ 159,316 $ 72,000
Bucks, Pennsylvania 199 $ 49,368,000 $ 248,080 $ 93,000
Delaware, Pennsylvania 197 $ 39,554,000 $ 200,781 $ 87,000
Marin, California 195 $ 83,412,000 $ 427,753 $ 149,000
Hudson, New Jersey 195 $ 58,434,000 $ 299,661 $ 111,000
Delaware, Ohio 195 $ 46,281,000 $ 237,338 $ 112,000
Hays, Texas 194 $ 37,721,000 $ 194,438 $ 102,000
Shelby, Alabama 193 $ 35,361,000 $ 183,217 $ 83,000
Weld, Colorado 193 $ 44,495,000 $ 230,544 $ 85,000
Plymouth, Massachusetts 193 $ 51,440,000 $ 266,528 $ 93,000
Polk, Florida 190 $ 26,388,000 $ 138,884 $ 61,000
Clallam, Washington 189 $ 39,243,000 $ 207,634 $ 80,000
Essex, New Jersey 187 $ 57,231,000 $ 306,048 $ 109,000
Westchester, New York 187 $ 61,388,000 $ 328,278 $ 128,000
Burleigh, North Dakota 187 $ 32,517,000 $ 173,887 $ 86,000
Frederick, Maryland 186 $ 52,617,000 $ 282,887 $ 102,000
Ward, North Dakota 185 $ 31,502,000 $ 170,281 $ 71,000
Horry, South Carolina 185 $ 31,873,000 $ 172,286 $ 99,000
Skagit, Washington 185 $ 41,057,000 $ 221,929 $ 79,000
Morris, New Jersey 184 $ 58,656,000 $ 318,782 $ 118,000
Escambia, Florida 183 $ 30,705,000 $ 167,786 $ 84,000
Santa Fe, New Mexico 183 $ 41,975,000 $ 229,371 $ 100,000
Washoe, Nevada 182 $ 40,204,000 $ 220,901 $ 140,000
Eaton, Michigan 181 $ 23,544,000 $ 130,077 $ 53,000
Passaic, New Jersey 178 $ 50,085,000 $ 281,376 $ 101,000
Prince William, Virginia 177 $ 51,633,000 $ 291,711 $ 108,000
Santa Cruz, California 176 $ 65,482,000 $ 372,056 $ 135,000
Tolland, Connecticut 176 $ 41,189,000 $ 234,028 $ 90,000
Polk, Iowa 176 $ 26,160,000 $ 148,636 $ 62,000
St. Louis City, Missouri 176 $ 23,510,000 $ 133,579 $ 61,000
Brown, Wisconsin 176 $ 27,784,000 $ 157,863 $ 63,000
Forsyth, Georgia 175 $ 40,755,000 $ 232,885 $ 101,000
Yakima, Washington 173 $ 30,710,000 $ 177,514 $ 76,000
Carroll, Maryland 170 $ 43,756,000 $ 257,388 $ 88,000
Lancaster, Pennsylvania 169 $ 29,501,000 $ 174,562 $ 75,000
Suffolk, Massachusetts 168 $ 48,864,000 $ 290,857 $ 104,000
Lane, Oregon 168 $ 34,738,000 $ 206,773 $ 82,000
Lancaster, Nebraska 167 $ 24,284,000 $ 145,413 $ 61,000
Marion, Florida 164 $ 22,450,000 $ 136,890 $ 72,000
Oklahoma, Oklahoma 163 $ 23,668,000 $ 145,202 $ 73,000
Monroe, Michigan 162 $ 24,239,000 $ 149,623 $ 64,000
Orleans, Louisiana 161 $ 34,633,000 $ 215,111 $ 104,000
Anoka, Minnesota 160 $ 29,229,000 $ 182,681 $ 74,000
Madison, Illinois 159 $ 23,666,000 $ 148,842 $ 70,000
Ramsey, Minnesota 158 $ 29,199,000 $ 184,803 $ 84,000
Somerset, New Jersey 158 $ 51,250,000 $ 324,367 $ 130,000
Klamath, Oregon 158 $ 24,011,000 $ 151,968 $ 69,000
York, South Carolina 158 $ 31,123,000 $ 196,981 $ 77,000
Union, North Carolina 157 $ 33,572,000 $ 213,834 $ 84,000
Loudoun, Virginia 157 $ 56,918,000 $ 362,535 $ 129,000
Bristol, Rhode Island 155 $ 39,326,000 $ 253,716 $ 121,000
Charleston, South Carolina 155 $ 35,455,000 $ 228,741 $ 94,000
Dakota, Minnesota 154 $ 33,737,000 $ 219,071 $ 76,000
Summit, Ohio 154 $ 23,248,000 $ 150,961 $ 71,000
Deschutes, Oregon 154 $ 32,583,000 $ 211,577 $ 106,000
Burlington, New Jersey 153 $ 34,176,000 $ 223,372 $ 91,000
Monroe, Florida 151 $ 43,277,000 $ 286,602 $ 168,000
Monterey, California 150 $ 48,895,000 $ 325,966 $ 111,000
Flathead, Montana 150 $ 31,649,000 $ 210,993 $ 115,000
Richland, South Carolina 150 $ 25,219,000 $ 168,126 $ 92,000
St. Clair, Illinois 149 $ 22,245,000 $ 149,295 $ 61,000
Waukesha, Wisconsin 149 $ 34,058,000 $ 228,577 $ 75,000
Windham, Connecticut 147 $ 28,348,000 $ 192,843 $ 68,000
Osceola, Florida 147 $ 21,195,000 $ 144,183 $ 71,000
Camden, New Jersey 146 $ 26,863,000 $ 183,993 $ 75,000
Madera, California 145 $ 22,251,000 $ 153,455 $ 79,000
District of Columbia, District Of Columbia 145 $ 44,974,000 $ 310,165 $ 122,000
Ellis, Texas 145 $ 25,249,000 $ 174,131 $ 95,000
Island, Washington 145 $ 36,475,000 $ 251,551 $ 90,000
Shawnee, Kansas 144 $ 18,650,000 $ 129,513 $ 81,000
New London, Connecticut 143 $ 30,648,000 $ 214,321 $ 76,000
Kane, Illinois 143 $ 28,804,000 $ 201,426 $ 86,000
York, Pennsylvania 143 $ 28,394,000 $ 198,559 $ 73,000
Douglas, Oregon 142 $ 28,451,000 $ 200,359 $ 80,000
Santa Barbara, California 141 $ 45,936,000 $ 325,787 $ 118,000
Bronx, New York 141 $ 48,071,000 $ 340,929 $ 87,000
Fayette, Kentucky 140 $ 22,175,000 $ 158,392 $ 73,000
Chester, Pennsylvania 140 $ 36,266,000 $ 259,042 $ 99,000
Butte, California 139 $ 28,582,000 $ 205,625 $ 84,000
Chatham, Georgia 139 $ 25,599,000 $ 184,165 $ 75,000
Canyon, Idaho 139 $ 16,924,000 $ 121,755 $ 56,000
Tulare, California 138 $ 24,934,000 $ 180,681 $ 76,000
Williamson, Tennessee 137 $ 37,229,000 $ 271,744 $ 113,000
Lake, Florida 135 $ 21,977,000 $ 162,792 $ 67,000
McHenry, Illinois 135 $ 26,235,000 $ 194,333 $ 79,000
Washington, Minnesota 135 $ 27,808,000 $ 205,985 $ 86,000
Missoula, Montana 134 $ 26,466,000 $ 197,507 $ 76,000
Hamilton, Ohio 134 $ 19,969,000 $ 149,022 $ 75,000
Wood, West Virginia 134 $ 14,250,000 $ 106,343 $ 50,000
Clay, Missouri 133 $ 21,983,000 $ 165,285 $ 72,000
Yellowstone, Montana 133 $ 21,412,000 $ 160,992 $ 67,000
Lucas, Ohio 132 $ 16,898,000 $ 128,015 $ 63,000
Lexington, South Carolina 132 $ 21,712,000 $ 164,484 $ 72,000
Virginia Beach, Virginia 131 $ 29,988,000 $ 228,916 $ 76,000
Madison, Alabama 127 $ 23,110,000 $ 181,968 $ 82,000
Hamilton, Tennessee 127 $ 22,502,000 $ 177,181 $ 94,000
Yolo, California 126 $ 31,728,000 $ 251,809 $ 119,000
Lee, Mississippi 126 $ 18,044,000 $ 143,206 $ 67,000
Gloucester, New Jersey 126 $ 27,989,000 $ 222,134 $ 99,000
Hendricks, Indiana 125 $ 21,249,000 $ 169,992 $ 73,000
Saginaw, Michigan 125 $ 12,968,000 $ 103,744 $ 53,000
Clatsop, Oregon 125 $ 26,552,000 $ 212,416 $ 82,000
Racine, Wisconsin 125 $ 18,881,000 $ 151,048 $ 52,000
Leon, Florida 124 $ 23,499,000 $ 189,508 $ 92,000
Spartanburg, South Carolina 124 $ 18,155,000 $ 146,411 $ 61,000
Cameron, Texas 124 $ 19,915,000 $ 160,604 $ 116,000
Comal, Texas 124 $ 28,399,000 $ 229,024 $ 119,000
Nueces, Texas 124 $ 19,596,000 $ 158,032 $ 98,000
Hampden, Massachusetts 123 $ 21,753,000 $ 176,853 $ 63,000
Richmond, New York 122 $ 38,535,000 $ 315,860 $ 92,000
Erie, New York 121 $ 19,397,000 $ 160,305 $ 81,000
Greene, Missouri 120 $ 14,401,000 $ 120,008 $ 69,000
Alachua, Florida 119 $ 20,833,000 $ 175,067 $ 70,000
Franklin, Washington 119 $ 18,266,000 $ 153,495 $ 80,000
Troup, Georgia 118 $ 15,931,000 $ 135,008 $ 68,000
Warrick, Indiana 117 $ 19,174,000 $ 163,880 $ 91,000
Rockland, New York 117 $ 36,421,000 $ 311,290 $ 124,000
Butler, Ohio 117 $ 20,175,000 $ 172,435 $ 74,000
Orange, New York 116 $ 28,980,000 $ 249,827 $ 112,000
Sevier, Tennessee 116 $ 17,314,000 $ 149,258 $ 70,000
Napa, California 113 $ 38,962,000 $ 344,796 $ 138,000
Berrien, Michigan 113 $ 17,231,000 $ 152,486 $ 94,000
Kalamazoo, Michigan 113 $ 15,152,000 $ 134,088 $ 68,000
New Hanover, North Carolina 113 $ 24,119,000 $ 213,442 $ 98,000
Terrebonne, Louisiana 112 $ 19,171,000 $ 171,169 $ 73,000
Middlesex, Connecticut 111 $ 25,913,000 $ 233,450 $ 93,000
Guilford, North Carolina 111 $ 19,157,000 $ 172,585 $ 75,000
Knox, Tennessee 111 $ 19,554,000 $ 176,162 $ 76,000
Dane, Wisconsin 111 $ 23,040,000 $ 207,567 $ 96,000
Paulding, Georgia 110 $ 16,258,000 $ 147,800 $ 56,000
Sandoval, New Mexico 109 $ 19,981,000 $ 183,311 $ 70,000
Durham, North Carolina 108 $ 20,246,000 $ 187,462 $ 93,000
Rutherford, Tennessee 108 $ 17,013,000 $ 157,527 $ 63,000
Clay, Florida 107 $ 18,169,000 $ 169,803 $ 61,000
Santa Rosa, Florida 106 $ 19,831,000 $ 187,084 $ 94,000
Chesterfield, Virginia 106 $ 23,850,000 $ 225,000 $ 77,000
Atlantic, New Jersey 105 $ 19,369,000 $ 184,466 $ 85,000
Lincoln, New Mexico 105 $ 20,188,000 $ 192,266 $ 129,000
Henrico, Virginia 105 $ 22,123,000 $ 210,695 $ 65,000
Jefferson, Kentucky 104 $ 16,870,000 $ 162,211 $ 82,000
Park, Montana 104 $ 16,409,000 $ 157,778 $ 62,000
Polk, Oregon 103 $ 21,971,000 $ 213,310 $ 91,000
Mercer, New Jersey 102 $ 24,807,000 $ 243,205 $ 105,000
Clinton, Michigan 100 $ 14,271,000 $ 142,710 $ 59,000
Muskegon, Michigan 100 $ 11,656,000 $ 116,560 $ 45,000
Warren, Virginia 100 $ 18,656,000 $ 186,560 $ 75,000
Carroll, Georgia 99 $ 15,080,000 $ 152,323 $ 67,000
Barnstable, Massachusetts 99 $ 27,771,000 $ 280,515 $ 127,000
Berkeley, West Virginia 99 $ 17,740,000 $ 179,191 $ 63,000
Maui, Hawaii 98 $ 34,147,000 $ 348,438 $ 144,000
Buncombe, North Carolina 98 $ 18,730,000 $ 191,122 $ 77,000
Montgomery, Ohio 98 $ 12,783,000 $ 130,438 $ 72,000
Jackson, Oregon 97 $ 18,513,000 $ 190,855 $ 79,000
Bastrop, Texas 97 $ 14,613,000 $ 150,649 $ 86,000
Lenawee, Michigan 96 $ 11,492,000 $ 119,708 $ 58,000
Scott, Minnesota 96 $ 22,035,000 $ 229,531 $ 83,000
Cascade, Montana 96 $ 15,594,000 $ 162,437 $ 67,000
Cabarrus, North Carolina 96 $ 17,676,000 $ 184,125 $ 76,000
Washington, Utah 96 $ 19,507,000 $ 203,197 $ 130,000
Yavapai, Arizona 95 $ 19,576,000 $ 206,063 $ 100,000
Highlands, Florida 95 $ 10,998,000 $ 115,768 $ 69,000
Nevada, California 94 $ 26,864,000 $ 285,787 $ 138,000
Okaloosa, Florida 93 $ 18,741,000 $ 201,516 $ 117,000
Mobile, Alabama 92 $ 13,492,000 $ 146,652 $ 60,000
Benton, Arkansas 92 $ 14,218,000 $ 154,543 $ 69,000
Charlotte, Florida 91 $ 14,798,000 $ 162,615 $ 97,000
Henry, Georgia 91 $ 14,428,000 $ 158,549 $ 59,000
LaPorte, Indiana 91 $ 12,317,000 $ 135,351 $ 61,000
Charles, Maryland 91 $ 26,039,000 $ 286,142 $ 80,000
Val Verde, Texas 91 $ 11,964,000 $ 131,472 $ 72,000
Bonneville, Idaho 90 $ 14,558,000 $ 161,755 $ 72,000
Westmoreland, Pennsylvania 90 $ 14,111,000 $ 156,788 $ 70,000
Hughes, South Dakota 90 $ 13,829,000 $ 153,655 $ 86,000
Monongalia, West Virginia 90 $ 15,336,000 $ 170,400 $ 73,000
Dutchess, New York 89 $ 21,500,000 $ 241,573 $ 163,000
Allegan, Michigan 88 $ 12,049,000 $ 136,920 $ 54,000
Calhoun, Michigan 88 $ 10,731,000 $ 121,943 $ 70,000
Dorchester, South Carolina 88 $ 15,202,000 $ 172,750 $ 67,000
Anchorage, Alaska 86 $ 22,580,000 $ 262,558 $ 92,000
Cumberland, North Carolina 86 $ 13,473,000 $ 156,662 $ 58,000
Lake, Ohio 86 $ 12,801,000 $ 148,848 $ 72,000
Cowlitz, Washington 86 $ 14,679,000 $ 170,686 $ 76,000
Lapeer, Michigan 85 $ 12,849,000 $ 151,164 $ 67,000
Cass, Missouri 85 $ 12,984,000 $ 152,752 $ 63,000
Franklin, Missouri 85 $ 13,259,000 $ 155,988 $ 68,000
Monroe, Pennsylvania 85 $ 14,160,000 $ 166,588 $ 72,000
Brazos, Texas 85 $ 14,219,000 $ 167,282 $ 147,000
Ozaukee, Wisconsin 85 $ 16,534,000 $ 194,517 $ 94,000
Merced, California 84 $ 11,266,000 $ 134,119 $ 81,000
Hall, Georgia 84 $ 14,164,000 $ 168,619 $ 71,000
Baldwin, Alabama 83 $ 14,040,000 $ 169,156 $ 83,000
Lee, Alabama 83 $ 15,610,000 $ 188,072 $ 83,000
Strafford, New Hampshire 83 $ 16,406,000 $ 197,662 $ 78,000
Bell, Texas 83 $ 12,207,000 $ 147,072 $ 97,000
Parker, Texas 83 $ 14,605,000 $ 175,963 $ 95,000
Indian River, Florida 82 $ 11,748,000 $ 143,268 $ 86,000
Aiken, South Carolina 82 $ 13,150,000 $ 160,365 $ 64,000
Clayton, Georgia 81 $ 8,607,000 $ 106,259 $ 45,000
Gaston, North Carolina 81 $ 14,051,000 $ 173,469 $ 70,000
Tuscaloosa, Alabama 79 $ 14,249,000 $ 180,367 $ 81,000
Grayson, Texas 79 $ 10,615,000 $ 134,367 $ 96,000
Pitt, North Carolina 78 $ 14,095,000 $ 180,705 $ 88,000
Linn, Oregon 78 $ 13,426,000 $ 172,128 $ 57,000
Lehigh, Pennsylvania 78 $ 14,785,000 $ 189,551 $ 67,000
McLennan, Texas 78 $ 14,168,000 $ 181,641 $ 112,000
Sussex, Delaware 77 $ 16,388,000 $ 212,831 $ 114,000
Johnson, Texas 77 $ 13,404,000 $ 174,077 $ 106,000
Frederick, Virginia 77 $ 15,926,000 $ 206,831 $ 85,000
Jefferson, Texas 76 $ 9,948,000 $ 130,894 $ 82,000
Rockwall, Texas 76 $ 16,252,000 $ 213,842 $ 135,000
Woodbury, Iowa 75 $ 8,124,000 $ 108,320 $ 55,000
Ascension, Louisiana 75 $ 14,876,000 $ 198,346 $ 89,000
Barry, Michigan 75 $ 9,687,000 $ 129,160 $ 55,000
New York, New York 75 $ 30,071,000 $ 400,946 $ 175,000
Dauphin, Pennsylvania 75 $ 11,779,000 $ 157,053 $ 71,000
Cecil, Maryland 74 $ 15,890,000 $ 214,729 $ 74,000
St. Louis, Minnesota 74 $ 10,290,000 $ 139,054 $ 57,000
Orange, North Carolina 74 $ 18,673,000 $ 252,337 $ 130,000
Fairfield, Ohio 74 $ 12,911,000 $ 174,472 $ 86,000
Berks, Pennsylvania 74 $ 13,501,000 $ 182,445 $ 72,000
Douglas, Georgia 73 $ 12,731,000 $ 174,397 $ 65,000
Northampton, Pennsylvania 73 $ 15,804,000 $ 216,493 $ 78,000
Hernando, Florida 72 $ 9,072,000 $ 126,000 $ 61,000
Warren, Ohio 72 $ 12,851,000 $ 178,486 $ 71,000
Beaver, Pennsylvania 72 $ 10,325,000 $ 143,402 $ 66,000
Iredell, North Carolina 71 $ 15,435,000 $ 217,394 $ 88,000
Stark, Ohio 71 $ 10,043,000 $ 141,450 $ 64,000
Kings, California 70 $ 11,701,000 $ 167,157 $ 58,000
Wyandotte, Kansas 70 $ 8,292,000 $ 118,457 $ 46,000
Calvert, Maryland 70 $ 20,647,000 $ 294,957 $ 91,000
Litchfield, Connecticut 69 $ 14,892,000 $ 215,826 $ 85,000
Scott, Iowa 69 $ 10,633,000 $ 154,101 $ 79,000
Yamhill, Oregon 69 $ 15,716,000 $ 227,768 $ 80,000
Flagler, Florida 68 $ 10,987,000 $ 161,573 $ 100,000
Bartow, Georgia 68 $ 9,139,000 $ 134,397 $ 74,000
Forsyth, North Carolina 68 $ 11,780,000 $ 173,235 $ 82,000
Lorain, Ohio 68 $ 10,988,000 $ 161,588 $ 63,000
Meade, South Dakota 68 $ 11,693,000 $ 171,955 $ 76,000
Columbia, Georgia 67 $ 11,299,000 $ 168,641 $ 75,000
Linn, Iowa 67 $ 10,601,000 $ 158,223 $ 64,000
St. Mary's, Maryland 67 $ 19,599,000 $ 292,522 $ 98,000
Johnston, North Carolina 67 $ 11,698,000 $ 174,597 $ 64,000
Calhoun, Alabama 66 $ 8,438,000 $ 127,848 $ 57,000
Boone, Indiana 66 $ 14,097,000 $ 213,590 $ 108,000
Medina, Ohio 66 $ 10,966,000 $ 166,151 $ 66,000
Outagamie, Wisconsin 66 $ 9,630,000 $ 145,909 $ 64,000
Sumter, Florida 65 $ 10,757,000 $ 165,492 $ 67,000
Coweta, Georgia 65 $ 10,978,000 $ 168,892 $ 70,000
Johnson, Indiana 65 $ 9,811,000 $ 150,938 $ 65,000
Lafayette, Louisiana 65 $ 11,407,000 $ 175,492 $ 76,000
Saratoga, New York 65 $ 13,457,000 $ 207,030 $ 93,000
Beaufort, South Carolina 65 $ 14,865,000 $ 228,692 $ 97,000
Berkeley, South Carolina 65 $ 11,511,000 $ 177,092 $ 57,000
Kaufman, Texas 65 $ 10,277,000 $ 158,107 $ 93,000
Webb, Texas 65 $ 8,973,000 $ 138,046 $ 70,000
Chesapeake, Virginia 65 $ 14,718,000 $ 226,430 $ 71,000
Stafford, Virginia 65 $ 19,699,000 $ 303,061 $ 107,000
La Plata, Colorado 64 $ 18,148,000 $ 283,562 $ 107,000
Kent, Delaware 64 $ 13,951,000 $ 217,984 $ 64,000
Bay, Florida 64 $ 11,296,000 $ 176,500 $ 77,000
Washington, Maryland 64 $ 13,623,000 $ 212,859 $ 74,000
Newport, Rhode Island 64 $ 15,800,000 $ 246,875 $ 99,000
Wilson, Tennessee 64 $ 12,773,000 $ 199,578 $ 72,000
Montgomery, Alabama 63 $ 10,054,000 $ 159,587 $ 75,000
Kootenai, Idaho 63 $ 12,164,000 $ 193,079 $ 91,000
Ionia, Michigan 63 $ 6,821,000 $ 108,269 $ 52,000
Yuma, Arizona 62 $ 9,301,000 $ 150,016 $ 53,000
Broomfield, Colorado 62 $ 16,365,000 $ 263,951 $ 101,000
Lafourche, Louisiana 62 $ 9,410,000 $ 151,774 $ 67,000
Wright, Minnesota 62 $ 10,800,000 $ 174,193 $ 79,000
Licking, Ohio 62 $ 9,108,000 $ 146,903 $ 66,000
Putnam, Tennessee 62 $ 9,164,000 $ 147,806 $ 74,000
Pulaski, Arkansas 61 $ 9,405,000 $ 154,180 $ 77,000
Lincoln, Missouri 61 $ 9,437,000 $ 154,704 $ 63,000
Butler, Pennsylvania 61 $ 10,393,000 $ 170,377 $ 81,000
Sumner, Tennessee 61 $ 11,038,000 $ 180,950 $ 66,000
Guadalupe, Texas 61 $ 10,558,000 $ 173,081 $ 91,000
Tehama, California 60 $ 9,640,000 $ 160,666 $ 63,000
Pottawattamie, Iowa 60 $ 8,451,000 $ 140,850 $ 48,000
Brunswick, North Carolina 60 $ 12,573,000 $ 209,550 $ 94,000
Richland, Ohio 60 $ 7,498,000 $ 124,966 $ 57,000
Washington, Tennessee 60 $ 11,077,000 $ 184,616 $ 92,000
Arlington, Virginia 60 $ 21,561,000 $ 359,350 $ 142,000
St. Clair, Alabama 59 $ 9,691,000 $ 164,254 $ 63,000
Laurens, Georgia 59 $ 9,963,000 $ 168,864 $ 80,000
Washington, Ohio 59 $ 6,522,000 $ 110,542 $ 56,000
Cache, Utah 59 $ 11,855,000 $ 200,932 $ 81,000
Washington, Wisconsin 59 $ 11,646,000 $ 197,389 $ 63,000
Coconino, Arizona 58 $ 13,378,000 $ 230,655 $ 143,000
Portage, Ohio 58 $ 9,270,000 $ 159,827 $ 71,000
Kittitas, Washington 58 $ 12,645,000 $ 218,017 $ 91,000
Livingston, Louisiana 57 $ 10,061,000 $ 176,508 $ 79,000
York, Maine 57 $ 12,647,000 $ 221,877 $ 105,000
Summit, Colorado 56 $ 16,850,000 $ 300,892 $ 166,000
Muscogee, Georgia 56 $ 9,790,000 $ 174,821 $ 87,000
Hawaii, Hawaii 56 $ 16,786,000 $ 299,750 $ 92,000
Caddo, Louisiana 56 $ 7,979,000 $ 142,482 $ 58,000
Anderson, South Carolina 56 $ 10,151,000 $ 181,267 $ 69,000
Franklin, Pennsylvania 55 $ 11,471,000 $ 208,563 $ 75,000
Sullivan, Tennessee 55 $ 7,779,000 $ 141,436 $ 64,000
Walworth, Wisconsin 55 $ 10,088,000 $ 183,418 $ 70,000
Winnebago, Illinois 54 $ 7,659,000 $ 141,833 $ 52,000
Montcalm, Michigan 54 $ 5,902,000 $ 109,296 $ 50,000
Carlton, Minnesota 54 $ 7,867,000 $ 145,685 $ 62,000
Union, Mississippi 54 $ 6,927,000 $ 128,277 $ 72,000
Sussex, New Jersey 54 $ 13,920,000 $ 257,777 $ 92,000
San Juan, New Mexico 54 $ 9,427,000 $ 174,574 $ 89,000
Cleveland, Oklahoma 53 $ 8,497,000 $ 160,320 $ 81,000
Blount, Tennessee 53 $ 9,017,000 $ 170,132 $ 61,000
Smith, Texas 53 $ 10,525,000 $ 198,584 $ 126,000
Chelan, Washington 53 $ 14,078,000 $ 265,622 $ 136,000
Mendocino, California 52 $ 12,868,000 $ 247,461 $ 85,000
Fayette, Georgia 52 $ 10,737,000 $ 206,480 $ 76,000
Richmond, Georgia 52 $ 5,901,000 $ 113,480 $ 51,000
Wexford, Michigan 52 $ 4,528,000 $ 87,076 $ 46,000
Cape May, New Jersey 52 $ 12,324,000 $ 237,000 $ 122,000
Norfolk, Virginia 52 $ 10,787,000 $ 207,442 $ 65,000
Jefferson, West Virginia 52 $ 11,575,000 $ 222,596 $ 74,000
Campbell, Wyoming 52 $ 11,295,000 $ 217,211 $ 88,000
Tuscola, Michigan 51 $ 4,908,000 $ 96,235 $ 44,000
DeSoto, Mississippi 51 $ 7,726,000 $ 151,490 $ 67,000
Tipton, Tennessee 51 $ 6,264,000 $ 122,823 $ 73,000
Spotsylvania, Virginia 51 $ 12,589,000 $ 246,843 $ 97,000
Gilmer, Georgia 50 $ 7,939,000 $ 158,780 $ 93,000
Newton, Georgia 50 $ 6,829,000 $ 136,580 $ 59,000
Bossier, Louisiana 50 $ 9,416,000 $ 188,320 $ 72,000
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Mortgage Loan Application Detail Totals for Flagstar Bank in 2010

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 107,426 $25,047,219,000 $233,000 $6,597,000 $96,000 $8,399,000
Home Purchase 62,214 $11,730,000,000 $188,000 $5,751,000 $87,000 $6,000,000
Home Improvement 3,287 $725,526,000 $220,000 $16,000,000 $101,000 $4,520,000

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 124,113 $26,444,863,000 $213,000 $1,305,000 $94,000 $6,592,000
Hispanic 13,949 $2,624,640,000 $188,000 $744,000 $72,000 $8,399,000
Not Provided 13,643 $3,285,336,000 $240,000 $850,000 $96,000 $2,325,000
Asian 11,146 $3,228,420,000 $289,000 $1,019,000 $117,000 $1,816,000
Black or African American 8,918 $1,615,573,000 $181,000 $820,000 $67,000 $6,000,000
Native Hawaiian or Other Pacific Islander 562 $144,481,000 $257,000 $698,000 $93,000 $960,000
American Indian or Alaskan Native 459 $90,073,000 $196,000 $680,000 $85,000 $687,000
Not applicable 137 $69,359,000 $506,000 $16,000,000 $43,000 $186,000

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) 106,918 $24,987,897,000 $233,000 $16,000,000 $113,000 $8,399,000
FHA-insured (Federal Housing Administration) 55,939 $10,576,342,000 $189,000 $1,305,000 $61,000 $2,400,000
VA-guaranteed (Veterans Administration) 7,690 $1,631,801,000 $212,000 $1,089,000 $66,000 $917,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,380 $306,705,000 $128,000 $404,000 $44,000 $265,000

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 101,661 $22,685,647,000 $223,000 $16,000,000 $97,000 $4,277,000
Loan Purchased By The Institution 28,318 $5,574,863,000 $196,000 $872,000 $77,000 $1,816,000
Application Denied By Financial Institution 21,943 $4,735,422,000 $215,000 $941,000 $91,000 $6,592,000
Application Approved But Not Accepted 20,930 $4,489,135,000 $214,000 $934,000 $93,000 $8,399,000
File Closed For Incompleteness 75 $17,678,000 $235,000 $715,000 $111,000 $360,000
Application Withdrawn By Applicant 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
Debt-To-Income Ratio 8,384 $1,872,369,000 $223,000 $850,000 $66,000 $1,440,000
Collateral 6,550 $1,448,416,000 $221,000 $730,000 $107,000 $2,225,000
Other 3,182 $655,997,000 $206,000 $941,000 $131,000 $6,592,000
Credit History 1,907 $345,521,000 $181,000 $730,000 $76,000 $1,118,000
Unverifiable Information 1,115 $245,494,000 $220,000 $730,000 $101,000 $2,018,000
Mortgage Insurance Denied 295 $70,625,000 $239,000 $490,000 $93,000 $347,000
Employment History 275 $50,672,000 $184,000 $730,000 $74,000 $2,321,000
Insufficient Cash (Downpayment, Closing Cost) 223 $43,447,000 $194,000 $730,000 $103,000 $1,340,000
Credit Application Incomplete 12 $2,881,000 $240,000 $500,000 $145,000 $730,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Flagstar Bank's 2010 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 Flagstar 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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