Flagstar Bank Mortgage Lending & HMDA Data, 2006

In 2006, Flagstar Bank of Troy, MI reported 151,534 mortgage applications totaling $26.8 billion, down 33% from 2005. The average application was for $176,562, and applicants reported an average income of $89,318. 60% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (7,581), Phoenix-Mesa-Scottsdale, AZ (3,452) and Detroit-Livonia-Dearborn, MI (3,062) (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 151,534
Total Mortgage Loan Application Amount $26,755,234,000
Average Mortgage Loan Application Amount $176,562
Highest Mortgage Loan Application Amount $4,760,000
Average Applicant Income $89,318
Highest Applicant Income $6,492,000

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Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Oakland, Michigan 3,579 $ 596,809,000 $ 166,753 $ 99,000
Maricopa, Arizona 3,163 $ 694,825,000 $ 219,672 $ 112,000
Wayne, Michigan 3,062 $ 356,405,000 $ 116,396 $ 68,000
Macomb, Michigan 2,787 $ 351,141,000 $ 125,992 $ 70,000
Miami-Dade, Florida 2,589 $ 548,954,000 $ 212,033 $ 117,000
Los Angeles, California 2,461 $ 753,724,000 $ 306,267 $ 131,000
Broward, Florida 2,119 $ 444,613,000 $ 209,822 $ 110,000
King, Washington 2,084 $ 511,426,000 $ 245,405 $ 109,000
Orange, Florida 1,629 $ 322,991,000 $ 198,275 $ 95,000
Palm Beach, Florida 1,500 $ 338,910,000 $ 225,940 $ 122,000
Harris, Texas 1,466 $ 217,685,000 $ 148,489 $ 95,000
Cook, Illinois 1,441 $ 278,273,000 $ 193,111 $ 97,000
Clark, Nevada 1,330 $ 299,280,000 $ 225,022 $ 121,000
San Diego, California 1,283 $ 382,315,000 $ 297,985 $ 127,000
Hillsborough, Florida 1,278 $ 226,126,000 $ 176,937 $ 97,000
Prince George's, Maryland 1,061 $ 248,743,000 $ 234,442 $ 83,000
Kent, Michigan 1,006 $ 116,445,000 $ 115,750 $ 65,000
Orange, California 964 $ 334,653,000 $ 347,150 $ 170,000
St. Louis, Missouri 950 $ 137,104,000 $ 144,320 $ 78,000
Riverside, California 945 $ 248,805,000 $ 263,285 $ 123,000
Snohomish, Washington 943 $ 204,987,000 $ 217,377 $ 95,000
Pierce, Washington 913 $ 183,015,000 $ 200,454 $ 86,000
Genesee, Michigan 895 $ 100,759,000 $ 112,579 $ 62,000
Baltimore, Maryland 875 $ 168,849,000 $ 192,970 $ 75,000
Salt Lake, Utah 872 $ 150,882,000 $ 173,029 $ 92,000
Lee, Florida 846 $ 182,299,000 $ 215,483 $ 128,000
Franklin, Ohio 832 $ 104,184,000 $ 125,221 $ 65,000
Pinellas, Florida 814 $ 140,747,000 $ 172,907 $ 100,000
Brevard, Florida 782 $ 131,005,000 $ 167,525 $ 74,000
Volusia, Florida 780 $ 127,485,000 $ 163,442 $ 84,000
San Bernardino, California 760 $ 169,955,000 $ 223,625 $ 105,000
Dallas, Texas 750 $ 115,423,000 $ 153,897 $ 94,000
Suffolk, New York 736 $ 195,253,000 $ 265,289 $ 115,000
Seminole, Florida 698 $ 130,544,000 $ 187,025 $ 81,000
Tarrant, Texas 693 $ 104,801,000 $ 151,227 $ 90,000
Washtenaw, Michigan 634 $ 110,457,000 $ 174,222 $ 91,000
Spokane, Washington 628 $ 93,503,000 $ 148,890 $ 67,000
Multnomah, Oregon 614 $ 122,270,000 $ 199,136 $ 106,000
Pasco, Florida 608 $ 100,076,000 $ 164,598 $ 78,000
Cuyahoga, Ohio 608 $ 70,294,000 $ 115,615 $ 57,000
Hartford, Connecticut 599 $ 105,737,000 $ 176,522 $ 98,000
Travis, Texas 593 $ 112,246,000 $ 189,284 $ 111,000
Jackson, Michigan 582 $ 56,047,000 $ 96,300 $ 54,000
Horry, South Carolina 579 $ 88,326,000 $ 152,549 $ 100,000
Pima, Arizona 569 $ 96,463,000 $ 169,530 $ 89,000
Philadelphia, Pennsylvania 565 $ 67,980,000 $ 120,318 $ 71,000
St. Lucie, Florida 543 $ 97,467,000 $ 179,497 $ 102,000
Baltimore City, Maryland 535 $ 68,760,000 $ 128,523 $ 62,000
St. Clair, Michigan 504 $ 61,645,000 $ 122,311 $ 63,000
St. Charles, Missouri 481 $ 70,551,000 $ 146,675 $ 78,000
Anne Arundel, Maryland 478 $ 110,125,000 $ 230,387 $ 175,000
Ingham, Michigan 474 $ 50,506,000 $ 106,552 $ 60,000
Duval, Florida 473 $ 72,754,000 $ 153,813 $ 83,000
Leon, Florida 469 $ 74,866,000 $ 159,628 $ 80,000
Bexar, Texas 469 $ 65,719,000 $ 140,125 $ 87,000
Fresno, California 468 $ 96,473,000 $ 206,138 $ 124,000
Polk, Florida 465 $ 68,147,000 $ 146,552 $ 67,000
Livingston, Michigan 460 $ 81,457,000 $ 177,080 $ 91,000
Nassau, New York 457 $ 132,457,000 $ 289,840 $ 123,000
Denver, Colorado 455 $ 83,179,000 $ 182,810 $ 92,000
Collin, Texas 443 $ 79,173,000 $ 178,720 $ 111,000
Utah, Utah 429 $ 64,300,000 $ 149,883 $ 75,000
Santa Clara, California 424 $ 159,339,000 $ 375,799 $ 152,000
Jefferson, Colorado 423 $ 79,246,000 $ 187,342 $ 86,000
Lucas, Ohio 421 $ 45,052,000 $ 107,011 $ 57,000
Jefferson, Alabama 414 $ 54,243,000 $ 131,021 $ 65,000
Montgomery, Maryland 414 $ 111,413,000 $ 269,113 $ 107,000
Bergen, New Jersey 410 $ 129,734,000 $ 316,424 $ 146,000
Shelby, Tennessee 410 $ 52,326,000 $ 127,624 $ 78,000
Denton, Texas 408 $ 68,490,000 $ 167,867 $ 102,000
Sacramento, California 397 $ 99,137,000 $ 249,715 $ 91,000
Queens, New York 396 $ 119,913,000 $ 302,810 $ 101,000
Providence, Rhode Island 392 $ 84,728,000 $ 216,142 $ 85,000
Allen, Indiana 391 $ 41,062,000 $ 105,017 $ 59,000
Ada, Idaho 390 $ 64,474,000 $ 165,317 $ 100,000
Bernalillo, New Mexico 388 $ 62,193,000 $ 160,291 $ 84,000
Arapahoe, Colorado 379 $ 70,687,000 $ 186,509 $ 101,000
Jefferson, Missouri 377 $ 48,164,000 $ 127,755 $ 60,000
Alameda, California 370 $ 124,160,000 $ 335,567 $ 133,000
Saginaw, Michigan 367 $ 33,553,000 $ 91,425 $ 52,000
Douglas, Nebraska 363 $ 40,373,000 $ 111,220 $ 68,000
Fort Bend, Texas 355 $ 55,341,000 $ 155,890 $ 98,000
Marion, Indiana 354 $ 45,971,000 $ 129,861 $ 94,000
Ottawa, Michigan 350 $ 41,143,000 $ 117,551 $ 63,000
Washington, Oregon 344 $ 69,731,000 $ 202,706 $ 104,000
Okaloosa, Florida 337 $ 70,123,000 $ 208,080 $ 148,000
Contra Costa, California 334 $ 110,268,000 $ 330,143 $ 152,000
Clark, Washington 332 $ 64,196,000 $ 193,361 $ 84,000
Lexington, South Carolina 327 $ 42,870,000 $ 131,100 $ 68,000
Fairfax, Virginia 322 $ 89,464,000 $ 277,838 $ 114,000
Richland, South Carolina 320 $ 40,468,000 $ 126,462 $ 65,000
Ventura, California 316 $ 104,465,000 $ 330,585 $ 133,000
Gwinnett, Georgia 314 $ 53,085,000 $ 169,060 $ 81,000
Ocean, New Jersey 314 $ 69,259,000 $ 220,570 $ 107,000
New Haven, Connecticut 313 $ 58,857,000 $ 188,041 $ 86,000
Osceola, Florida 313 $ 57,736,000 $ 184,460 $ 83,000
Tulsa, Oklahoma 307 $ 33,183,000 $ 108,087 $ 67,000
Lake, Florida 302 $ 53,669,000 $ 177,711 $ 90,000
Martin, Florida 301 $ 65,263,000 $ 216,820 $ 138,000
Fairfield, Connecticut 300 $ 80,202,000 $ 267,340 $ 137,000
Kern, California 294 $ 60,262,000 $ 204,972 $ 88,000
Fulton, Georgia 293 $ 56,553,000 $ 193,013 $ 107,000
DuPage, Illinois 292 $ 53,971,000 $ 184,832 $ 94,000
Maui, Hawaii 291 $ 95,383,000 $ 327,776 $ 189,000
Pinal, Arizona 289 $ 52,782,000 $ 182,636 $ 84,000
Polk, Iowa 288 $ 39,794,000 $ 138,173 $ 61,000
Mecklenburg, North Carolina 288 $ 43,262,000 $ 150,215 $ 82,000
Orange, New York 282 $ 60,017,000 $ 212,826 $ 95,000
Butler, Ohio 282 $ 38,108,000 $ 135,134 $ 72,000
Collier, Florida 280 $ 81,963,000 $ 292,725 $ 160,000
Davidson, Tennessee 278 $ 38,330,000 $ 137,877 $ 99,000
Eaton, Michigan 274 $ 31,236,000 $ 114,000 $ 59,000
St. Louis City, Missouri 269 $ 29,430,000 $ 109,405 $ 68,000
Adams, Colorado 267 $ 45,474,000 $ 170,314 $ 82,000
Allegheny, Pennsylvania 267 $ 29,613,000 $ 110,910 $ 94,000
Anchorage, Alaska 266 $ 52,357,000 $ 196,830 $ 95,000
Kings, New York 266 $ 78,760,000 $ 296,090 $ 110,000
Wake, North Carolina 263 $ 41,597,000 $ 158,163 $ 81,000
Bay, Florida 262 $ 47,319,000 $ 180,606 $ 138,000
St. Tammany, Louisiana 260 $ 40,708,000 $ 156,569 $ 86,000
Harford, Maryland 260 $ 57,518,000 $ 221,223 $ 78,000
Mohave, Arizona 258 $ 46,545,000 $ 180,406 $ 105,000
Kitsap, Washington 258 $ 54,016,000 $ 209,364 $ 89,000
Honolulu, Hawaii 254 $ 75,850,000 $ 298,622 $ 139,000
District of Columbia, District Of Columbia 253 $ 58,263,000 $ 230,288 $ 84,000
Lapeer, Michigan 251 $ 35,429,000 $ 141,151 $ 68,000
Escambia, Florida 248 $ 37,665,000 $ 151,875 $ 91,000
Monmouth, New Jersey 247 $ 66,364,000 $ 268,680 $ 139,000
Douglas, Colorado 244 $ 58,239,000 $ 238,684 $ 121,000
Passaic, New Jersey 242 $ 57,893,000 $ 239,227 $ 97,000
San Joaquin, California 241 $ 61,625,000 $ 255,705 $ 100,000
Hamilton, Indiana 241 $ 52,700,000 $ 218,672 $ 116,000
Montgomery, Ohio 241 $ 25,358,000 $ 105,219 $ 56,000
Baldwin, Alabama 239 $ 59,659,000 $ 249,619 $ 151,000
Shelby, Alabama 238 $ 39,771,000 $ 167,105 $ 79,000
Westchester, New York 237 $ 74,452,000 $ 314,143 $ 150,000
Clackamas, Oregon 237 $ 54,325,000 $ 229,219 $ 117,000
Davis, Utah 237 $ 41,662,000 $ 175,789 $ 84,000
Stanislaus, California 236 $ 53,918,000 $ 228,466 $ 104,000
Middlesex, New Jersey 236 $ 55,612,000 $ 235,644 $ 92,000
Cobb, Georgia 234 $ 41,488,000 $ 177,299 $ 95,000
Montgomery, Pennsylvania 233 $ 45,087,000 $ 193,506 $ 95,000
Santa Fe, New Mexico 230 $ 51,064,000 $ 222,017 $ 114,000
Essex, New Jersey 229 $ 53,314,000 $ 232,812 $ 100,000
St. Johns, Florida 227 $ 45,067,000 $ 198,533 $ 111,000
Yavapai, Arizona 225 $ 48,347,000 $ 214,875 $ 105,000
Jefferson, Louisiana 225 $ 31,435,000 $ 139,711 $ 63,000
Marion, Florida 224 $ 33,602,000 $ 150,008 $ 72,000
Sarasota, Florida 219 $ 44,486,000 $ 203,132 $ 114,000
Elkhart, Indiana 219 $ 23,426,000 $ 106,968 $ 57,000
Lancaster, Nebraska 217 $ 26,340,000 $ 121,382 $ 65,000
Fairfield, Ohio 217 $ 29,710,000 $ 136,912 $ 59,000
Vanderburgh, Indiana 216 $ 20,116,000 $ 93,129 $ 45,000
Hudson, New Jersey 216 $ 52,533,000 $ 243,208 $ 100,000
Williamson, Texas 211 $ 30,136,000 $ 142,824 $ 86,000
Thurston, Washington 211 $ 38,271,000 $ 181,379 $ 92,000
DeKalb, Georgia 208 $ 34,655,000 $ 166,610 $ 83,000
Dutchess, New York 207 $ 48,431,000 $ 233,966 $ 91,000
Muskegon, Michigan 206 $ 20,551,000 $ 99,762 $ 47,000
Greene, Missouri 206 $ 23,919,000 $ 116,111 $ 65,000
El Paso, Colorado 205 $ 36,695,000 $ 179,000 $ 84,000
Bristol, Massachusetts 205 $ 43,850,000 $ 213,902 $ 81,000
El Paso, Texas 205 $ 25,172,000 $ 122,790 $ 75,000
Solano, California 202 $ 60,175,000 $ 297,896 $ 104,000
St. Joseph, Indiana 202 $ 19,647,000 $ 97,262 $ 64,000
East Baton Rouge, Louisiana 201 $ 29,297,000 $ 145,756 $ 173,000
Charleston, South Carolina 200 $ 39,998,000 $ 199,990 $ 107,000
Lake, Illinois 199 $ 35,763,000 $ 179,713 $ 105,000
Monroe, Michigan 198 $ 27,396,000 $ 138,363 $ 64,000
Klamath, Oregon 198 $ 27,563,000 $ 139,207 $ 66,000
Benton, Washington 198 $ 24,791,000 $ 125,207 $ 80,000
Will, Illinois 194 $ 37,062,000 $ 191,041 $ 90,000
Middlesex, Massachusetts 194 $ 45,807,000 $ 236,118 $ 102,000
Frederick, Maryland 193 $ 43,601,000 $ 225,911 $ 84,000
Berks, Pennsylvania 192 $ 23,314,000 $ 121,427 $ 69,000
Nye, Nevada 190 $ 33,166,000 $ 174,557 $ 78,000
Washoe, Nevada 190 $ 46,010,000 $ 242,157 $ 145,000
Washington, Utah 190 $ 35,519,000 $ 186,942 $ 95,000
Galveston, Texas 188 $ 26,719,000 $ 142,122 $ 99,000
Madison, Illinois 187 $ 18,735,000 $ 100,187 $ 53,000
Essex, Massachusetts 187 $ 42,501,000 $ 227,278 $ 94,000
Howard, Maryland 186 $ 48,913,000 $ 262,973 $ 117,000
Union, New Jersey 186 $ 45,951,000 $ 247,048 $ 100,000
Worcester, Massachusetts 184 $ 37,352,000 $ 203,000 $ 76,000
Marion, Oregon 184 $ 31,642,000 $ 171,967 $ 75,000
Montgomery, Texas 184 $ 30,862,000 $ 167,728 $ 105,000
Clallam, Washington 182 $ 35,407,000 $ 194,543 $ 90,000
Windham, Connecticut 180 $ 30,537,000 $ 169,650 $ 83,000
Hamilton, Ohio 179 $ 20,536,000 $ 114,726 $ 65,000
Boulder, Colorado 178 $ 40,930,000 $ 229,943 $ 115,000
Hernando, Florida 178 $ 25,967,000 $ 145,882 $ 63,000
Santa Rosa, Florida 176 $ 33,533,000 $ 190,528 $ 111,000
York, South Carolina 175 $ 22,884,000 $ 130,765 $ 61,000
Burlington, New Jersey 174 $ 31,489,000 $ 180,971 $ 75,000
Summit, Ohio 172 $ 20,547,000 $ 119,459 $ 65,000
Manatee, Florida 171 $ 36,610,000 $ 214,093 $ 107,000
Indian River, Florida 169 $ 27,010,000 $ 159,822 $ 94,000
Licking, Ohio 169 $ 21,749,000 $ 128,692 $ 66,000
Virginia Beach, Virginia 168 $ 33,994,000 $ 202,345 $ 91,000
Berkeley, South Carolina 167 $ 28,018,000 $ 167,772 $ 70,000
Chesterfield, Virginia 167 $ 26,582,000 $ 159,173 $ 74,000
Wood, West Virginia 167 $ 15,108,000 $ 90,467 $ 53,000
Atlantic, New Jersey 166 $ 35,049,000 $ 211,138 $ 108,000
Lorain, Ohio 166 $ 20,954,000 $ 126,228 $ 63,000
Calhoun, Michigan 165 $ 15,923,000 $ 96,503 $ 69,000
Bucks, Pennsylvania 165 $ 34,754,000 $ 210,630 $ 84,000
Camden, New Jersey 163 $ 26,873,000 $ 164,865 $ 85,000
Bronx, New York 163 $ 44,850,000 $ 275,153 $ 82,000
New Castle, Delaware 162 $ 26,780,000 $ 165,308 $ 73,000
Morris, New Jersey 162 $ 43,562,000 $ 268,901 $ 127,000
Sussex, New Jersey 162 $ 34,741,000 $ 214,450 $ 100,000
Greenville, South Carolina 162 $ 21,089,000 $ 130,179 $ 92,000
Prince William, Virginia 160 $ 42,532,000 $ 265,825 $ 96,000
Lancaster, Pennsylvania 159 $ 24,602,000 $ 154,729 $ 69,000
Charlotte, Florida 158 $ 27,887,000 $ 176,500 $ 87,000
Charles, Maryland 158 $ 38,184,000 $ 241,670 $ 82,000
Tuscola, Michigan 158 $ 14,269,000 $ 90,310 $ 48,000
Hennepin, Minnesota 158 $ 30,303,000 $ 191,791 $ 104,000
Bonneville, Idaho 157 $ 20,802,000 $ 132,496 $ 66,000
Boone, Missouri 155 $ 18,660,000 $ 120,387 $ 66,000
Brazoria, Texas 155 $ 21,465,000 $ 138,483 $ 86,000
Tolland, Connecticut 154 $ 30,763,000 $ 199,759 $ 96,000
Delaware, Pennsylvania 154 $ 25,871,000 $ 167,993 $ 83,000
Rockland, New York 153 $ 45,168,000 $ 295,215 $ 123,000
Hidalgo, Texas 150 $ 20,181,000 $ 134,540 $ 81,000
Mesa, Colorado 149 $ 24,769,000 $ 166,234 $ 106,000
Caddo, Louisiana 149 $ 16,939,000 $ 113,684 $ 58,000
Clatsop, Oregon 149 $ 24,045,000 $ 161,375 $ 87,000
Yakima, Washington 147 $ 17,237,000 $ 117,258 $ 83,000
Dane, Wisconsin 147 $ 26,901,000 $ 183,000 $ 77,000
Fayette, Kentucky 146 $ 16,927,000 $ 115,938 $ 73,000
Richmond, New York 146 $ 36,490,000 $ 249,931 $ 101,000
Clay, Florida 145 $ 23,248,000 $ 160,331 $ 73,000
Deschutes, Oregon 145 $ 33,459,000 $ 230,751 $ 168,000
Canyon, Idaho 144 $ 19,436,000 $ 134,972 $ 73,000
Lenawee, Michigan 143 $ 17,332,000 $ 121,202 $ 56,000
Lane, Oregon 143 $ 22,255,000 $ 155,629 $ 76,000
La Plata, Colorado 140 $ 32,918,000 $ 235,128 $ 96,000
St. Clair, Illinois 138 $ 15,661,000 $ 113,485 $ 61,000
Ionia, Michigan 138 $ 13,245,000 $ 95,978 $ 50,000
Rockingham, New Hampshire 138 $ 29,333,000 $ 212,557 $ 81,000
Gloucester, New Jersey 137 $ 26,747,000 $ 195,233 $ 92,000
Franklin, Missouri 136 $ 21,371,000 $ 157,139 $ 100,000
Saratoga, New York 136 $ 24,849,000 $ 182,713 $ 86,000
Linn, Iowa 135 $ 16,463,000 $ 121,948 $ 61,000
Shasta, California 134 $ 24,142,000 $ 180,164 $ 86,000
Pitt, North Carolina 132 $ 17,318,000 $ 131,196 $ 62,000
Oklahoma, Oklahoma 132 $ 14,309,000 $ 108,401 $ 71,000
Sussex, Delaware 131 $ 29,921,000 $ 228,404 $ 153,000
Brown, Wisconsin 131 $ 17,790,000 $ 135,801 $ 68,000
York, Pennsylvania 130 $ 21,540,000 $ 165,692 $ 78,000
San Mateo, California 129 $ 51,297,000 $ 397,651 $ 253,000
Bibb, Georgia 129 $ 15,178,000 $ 117,658 $ 52,000
DeSoto, Mississippi 129 $ 18,820,000 $ 145,891 $ 72,000
Loudoun, Virginia 128 $ 40,697,000 $ 317,945 $ 128,000
Bannock, Idaho 127 $ 13,767,000 $ 108,401 $ 66,000
Larimer, Colorado 125 $ 20,877,000 $ 167,016 $ 84,000
Carroll, Maryland 125 $ 29,449,000 $ 235,592 $ 82,000
Mercer, New Jersey 123 $ 24,773,000 $ 201,406 $ 100,000
Kootenai, Idaho 121 $ 21,093,000 $ 174,322 $ 80,000
Cecil, Maryland 121 $ 23,273,000 $ 192,338 $ 76,000
Douglas, Oregon 121 $ 19,493,000 $ 161,099 $ 60,000
Lawrence, Indiana 120 $ 10,314,000 $ 85,950 $ 43,000
Williamson, Tennessee 120 $ 27,389,000 $ 228,241 $ 178,000
Placer, California 119 $ 33,866,000 $ 284,588 $ 124,000
Monroe, Florida 119 $ 36,334,000 $ 305,327 $ 214,000
Lake, Indiana 119 $ 14,332,000 $ 120,436 $ 57,000
Isabella, Michigan 119 $ 21,130,000 $ 177,563 $ 78,000
Erie, New York 119 $ 12,657,000 $ 106,361 $ 63,000
Orleans, Louisiana 118 $ 19,023,000 $ 161,211 $ 123,000
Norfolk, Massachusetts 118 $ 28,212,000 $ 239,084 $ 91,000
Kalamazoo, Michigan 118 $ 12,128,000 $ 102,779 $ 54,000
Jackson, Missouri 118 $ 14,953,000 $ 126,720 $ 65,000
Jefferson, Kentucky 117 $ 16,140,000 $ 137,948 $ 70,000
New London, Connecticut 116 $ 21,402,000 $ 184,500 $ 89,000
Sedgwick, Kansas 115 $ 11,686,000 $ 101,617 $ 58,000
Cowlitz, Washington 115 $ 15,580,000 $ 135,478 $ 67,000
San Francisco, California 114 $ 50,689,000 $ 444,640 $ 195,000
Monroe, Pennsylvania 114 $ 18,101,000 $ 158,780 $ 83,000
Weber, Utah 114 $ 14,269,000 $ 125,166 $ 69,000
Skagit, Washington 114 $ 22,764,000 $ 199,684 $ 93,000
Suffolk, Massachusetts 113 $ 27,973,000 $ 247,548 $ 106,000
Flagler, Florida 112 $ 21,032,000 $ 187,785 $ 98,000
Tulare, California 111 $ 21,799,000 $ 196,387 $ 78,000
Weld, Colorado 111 $ 19,698,000 $ 177,459 $ 87,000
Richland, Ohio 111 $ 11,023,000 $ 99,306 $ 58,000
Cameron, Texas 111 $ 16,755,000 $ 150,945 $ 97,000
Calhoun, Alabama 110 $ 15,226,000 $ 138,418 $ 58,000
Allegan, Michigan 110 $ 14,274,000 $ 129,763 $ 72,000
Hillsborough, New Hampshire 110 $ 21,628,000 $ 196,618 $ 88,000
Hawaii, Hawaii 109 $ 30,883,000 $ 283,330 $ 131,000
Roscommon, Michigan 109 $ 9,743,000 $ 89,385 $ 56,000
Hall, Georgia 108 $ 20,653,000 $ 191,231 $ 86,000
Shawnee, Kansas 108 $ 12,508,000 $ 115,814 $ 70,000
Plymouth, Massachusetts 108 $ 24,349,000 $ 225,453 $ 87,000
Butte, California 107 $ 22,790,000 $ 212,990 $ 109,000
Kane, Illinois 107 $ 22,182,000 $ 207,308 $ 94,000
Henrico, Virginia 106 $ 18,674,000 $ 176,169 $ 82,000
Wexford, Michigan 105 $ 8,501,000 $ 80,961 $ 44,000
Kenosha, Wisconsin 105 $ 18,531,000 $ 176,485 $ 82,000
Albany, New York 104 $ 15,085,000 $ 145,048 $ 77,000
Chester, Pennsylvania 104 $ 23,526,000 $ 226,211 $ 108,000
Stark, Ohio 103 $ 10,719,000 $ 104,067 $ 57,000
Washington, Rhode Island 103 $ 25,111,000 $ 243,796 $ 103,000
Dorchester, South Carolina 103 $ 14,928,000 $ 144,932 $ 69,000
Rutherford, Tennessee 103 $ 14,682,000 $ 142,543 $ 72,000
Spotsylvania, Virginia 103 $ 21,143,000 $ 205,271 $ 82,000
Washington, Maryland 101 $ 18,396,000 $ 182,138 $ 68,000
Iosco, Michigan 101 $ 8,994,000 $ 89,049 $ 56,000
Lehigh, Pennsylvania 101 $ 15,632,000 $ 154,772 $ 71,000
Milwaukee, Wisconsin 101 $ 13,933,000 $ 137,950 $ 73,000
Walton, Florida 100 $ 26,933,000 $ 269,330 $ 178,000
Boyd, Kentucky 100 $ 8,683,000 $ 86,830 $ 50,000
Cape Girardeau, Missouri 100 $ 11,470,000 $ 114,700 $ 58,000
Taos, New Mexico 100 $ 16,502,000 $ 165,020 $ 106,000
Comal, Texas 100 $ 19,479,000 $ 194,790 $ 105,000
Clinton, Michigan 99 $ 11,959,000 $ 120,797 $ 68,000
Kent, Rhode Island 99 $ 18,987,000 $ 191,787 $ 77,000
Muscogee, Georgia 98 $ 12,180,000 $ 124,285 $ 64,000
San Luis Obispo, California 97 $ 29,827,000 $ 307,494 $ 125,000
Barry, Michigan 97 $ 11,892,000 $ 122,597 $ 64,000
Habersham, Georgia 96 $ 15,148,000 $ 157,791 $ 71,000
Henry, Georgia 96 $ 13,454,000 $ 140,145 $ 71,000
Bay, Michigan 96 $ 8,848,000 $ 92,166 $ 49,000
Sandoval, New Mexico 96 $ 15,315,000 $ 159,531 $ 84,000
Delaware, Ohio 96 $ 20,630,000 $ 214,895 $ 98,000
Alachua, Florida 95 $ 13,153,000 $ 138,452 $ 84,000
Hendricks, Indiana 95 $ 16,835,000 $ 177,210 $ 85,000
Grand Traverse, Michigan 95 $ 14,586,000 $ 153,536 $ 74,000
Citrus, Florida 94 $ 13,223,000 $ 140,670 $ 60,000
Somerset, New Jersey 94 $ 24,889,000 $ 264,776 $ 113,000
Jackson, Oregon 94 $ 20,598,000 $ 219,127 $ 123,000
Monroe, Indiana 93 $ 11,769,000 $ 126,548 $ 57,000
Clark, Ohio 93 $ 9,006,000 $ 96,838 $ 47,000
Summit, Colorado 92 $ 20,005,000 $ 217,445 $ 140,000
McHenry, Illinois 92 $ 17,351,000 $ 188,597 $ 96,000
Pulaski, Arkansas 91 $ 12,245,000 $ 134,560 $ 78,000
Cumberland, Maine 91 $ 16,456,000 $ 180,835 $ 83,000
Westmoreland, Pennsylvania 91 $ 9,962,000 $ 109,472 $ 70,000
Sarpy, Nebraska 89 $ 11,755,000 $ 132,078 $ 64,000
St. Clair, Alabama 88 $ 12,797,000 $ 145,420 $ 62,000
Monterey, California 88 $ 32,864,000 $ 373,454 $ 154,000
Sonoma, California 88 $ 26,271,000 $ 298,534 $ 165,000
Christian, Missouri 86 $ 12,166,000 $ 141,465 $ 65,000
Lincoln, New Mexico 86 $ 14,173,000 $ 164,802 $ 98,000
Montgomery, Tennessee 86 $ 8,715,000 $ 101,337 $ 54,000
Hays, Texas 85 $ 14,722,000 $ 173,200 $ 102,000
Litchfield, Connecticut 84 $ 15,590,000 $ 185,595 $ 94,000
Midland, Michigan 84 $ 8,816,000 $ 104,952 $ 61,000
Montcalm, Michigan 84 $ 8,505,000 $ 101,250 $ 44,000
Warren, Ohio 84 $ 12,099,000 $ 144,035 $ 84,000
Teller, Colorado 83 $ 14,858,000 $ 179,012 $ 76,000
Chatham, Georgia 83 $ 15,792,000 $ 190,265 $ 147,000
Muskingum, Ohio 83 $ 9,601,000 $ 115,674 $ 53,000
Chesapeake, Virginia 83 $ 14,943,000 $ 180,036 $ 68,000
Ellis, Texas 82 $ 13,118,000 $ 159,975 $ 86,000
Ulster, New York 81 $ 15,551,000 $ 191,987 $ 85,000
Whatcom, Washington 81 $ 17,085,000 $ 210,925 $ 83,000
Hillsdale, Michigan 79 $ 7,642,000 $ 96,734 $ 58,000
Northampton, Pennsylvania 79 $ 12,717,000 $ 160,974 $ 68,000
Madera, California 78 $ 16,773,000 $ 215,038 $ 85,000
Pueblo, Colorado 78 $ 10,718,000 $ 137,410 $ 68,000
Lake, Ohio 78 $ 10,463,000 $ 134,141 $ 59,000
Parker, Texas 78 $ 13,378,000 $ 171,512 $ 114,000
Rock, Wisconsin 78 $ 9,857,000 $ 126,371 $ 70,000
Anoka, Minnesota 77 $ 14,349,000 $ 186,350 $ 80,000
Cherokee, Georgia 76 $ 14,601,000 $ 192,118 $ 75,000
Roosevelt, New Mexico 76 $ 6,314,000 $ 83,078 $ 49,000
Guilford, North Carolina 76 $ 10,931,000 $ 143,828 $ 78,000
Wood, Ohio 76 $ 10,490,000 $ 138,026 $ 64,000
Matanuska-Susitna, Alaska 75 $ 13,364,000 $ 178,186 $ 82,000
Middlesex, Connecticut 75 $ 15,852,000 $ 211,360 $ 91,000
Kauai, Hawaii 75 $ 28,929,000 $ 385,720 $ 256,000
Livingston, Louisiana 75 $ 10,934,000 $ 145,786 $ 67,000
Pickaway, Ohio 75 $ 9,146,000 $ 121,946 $ 66,000
Portage, Ohio 75 $ 9,720,000 $ 129,600 $ 62,000
Mobile, Alabama 74 $ 10,181,000 $ 137,581 $ 84,000
Ascension, Louisiana 74 $ 11,461,000 $ 154,878 $ 72,000
Warren, Missouri 74 $ 11,526,000 $ 155,756 $ 91,000
Monroe, New York 74 $ 7,884,000 $ 106,540 $ 72,000
Schenectady, New York 74 $ 8,527,000 $ 115,229 $ 63,000
Van Zandt, Texas 74 $ 9,857,000 $ 133,202 $ 72,000
Forsyth, Georgia 73 $ 17,609,000 $ 241,219 $ 120,000
Shiawassee, Michigan 73 $ 8,671,000 $ 118,780 $ 67,000
Putnam, Georgia 72 $ 9,224,000 $ 128,111 $ 127,000
Boone, Indiana 72 $ 12,980,000 $ 180,277 $ 91,000
Warrick, Indiana 72 $ 8,589,000 $ 119,291 $ 56,000
Putnam, New York 72 $ 19,118,000 $ 265,527 $ 101,000
Kanawha, West Virginia 72 $ 6,451,000 $ 89,597 $ 50,000
Johnson, Kansas 71 $ 10,720,000 $ 150,985 $ 73,000
Berrien, Michigan 71 $ 9,745,000 $ 137,253 $ 87,000
Cape May, New Jersey 71 $ 24,385,000 $ 343,450 $ 191,000
Valencia, New Mexico 71 $ 9,630,000 $ 135,633 $ 66,000
Broome, New York 71 $ 6,173,000 $ 86,943 $ 56,000
Huron, Ohio 71 $ 7,786,000 $ 109,661 $ 53,000
Jefferson, Texas 71 $ 6,050,000 $ 85,211 $ 48,000
Marathon, Wisconsin 71 $ 8,232,000 $ 115,943 $ 50,000
Benton, Arkansas 70 $ 8,737,000 $ 124,814 $ 72,000
Medina, Ohio 70 $ 10,645,000 $ 152,071 $ 68,000
Chelan, Washington 70 $ 11,920,000 $ 170,285 $ 107,000
Clayton, Georgia 69 $ 8,962,000 $ 129,884 $ 61,000
Newaygo, Michigan 69 $ 6,817,000 $ 98,797 $ 50,000
Dakota, Minnesota 69 $ 13,241,000 $ 191,898 $ 76,000
Rowan, North Carolina 69 $ 6,506,000 $ 94,289 $ 62,000
Cleveland, Oklahoma 69 $ 8,405,000 $ 121,811 $ 71,000
Johnson, Texas 69 $ 8,980,000 $ 130,144 $ 81,000
El Dorado, California 67 $ 22,717,000 $ 339,059 $ 132,000
St. Louis, Minnesota 67 $ 9,310,000 $ 138,955 $ 77,000
San Juan, New Mexico 67 $ 9,075,000 $ 135,447 $ 86,000
Kaufman, Texas 67 $ 8,957,000 $ 133,686 $ 77,000
Marin, California 66 $ 26,982,000 $ 408,818 $ 279,000
Santa Barbara, California 66 $ 21,293,000 $ 322,621 $ 111,000
Beaufort, South Carolina 66 $ 13,125,000 $ 198,863 $ 115,000
Nueces, Texas 66 $ 7,614,000 $ 115,363 $ 79,000
Door, Wisconsin 66 $ 12,190,000 $ 184,696 $ 92,000
Coconino, Arizona 65 $ 14,549,000 $ 223,830 $ 143,000
St. Mary's, Maryland 65 $ 14,070,000 $ 216,461 $ 80,000
Ross, Ohio 65 $ 7,117,000 $ 109,492 $ 56,000
Erie, Pennsylvania 65 $ 6,415,000 $ 98,692 $ 54,000
Mason, Washington 65 $ 10,575,000 $ 162,692 $ 73,000
Imperial, California 64 $ 11,277,000 $ 176,203 $ 72,000
Porter, Indiana 64 $ 9,401,000 $ 146,890 $ 82,000
Pottawattamie, Iowa 64 $ 6,520,000 $ 101,875 $ 57,000
Lawrence, Ohio 64 $ 5,022,000 $ 78,468 $ 45,000
Okeechobee, Florida 63 $ 8,794,000 $ 139,587 $ 68,000
Rensselaer, New York 63 $ 8,394,000 $ 133,238 $ 70,000
Lincoln, Missouri 62 $ 9,370,000 $ 151,129 $ 67,000
Iredell, North Carolina 62 $ 10,177,000 $ 164,145 $ 91,000
Bristol, Rhode Island 62 $ 15,870,000 $ 255,967 $ 95,000
Tuscaloosa, Alabama 61 $ 7,281,000 $ 119,360 $ 73,000
Carlton, Minnesota 61 $ 7,807,000 $ 127,983 $ 51,000
Hall, Nebraska 61 $ 5,936,000 $ 97,311 $ 49,000
Richmond City, Virginia 61 $ 7,956,000 $ 130,426 $ 56,000
La Crosse, Wisconsin 61 $ 8,573,000 $ 140,540 $ 60,000
Richmond, Georgia 60 $ 6,672,000 $ 111,200 $ 54,000
York, Maine 60 $ 12,552,000 $ 209,200 $ 92,000
Hampden, Massachusetts 60 $ 9,877,000 $ 164,616 $ 68,000
Gladwin, Michigan 60 $ 5,941,000 $ 99,016 $ 65,000
Ogemaw, Michigan 60 $ 4,335,000 $ 72,250 $ 52,000
Onondaga, New York 60 $ 6,203,000 $ 103,383 $ 77,000
Washington, Pennsylvania 60 $ 8,560,000 $ 142,666 $ 72,000
Cache, Utah 60 $ 8,919,000 $ 148,650 $ 69,000
Franklin, Washington 60 $ 7,184,000 $ 119,733 $ 63,000
Kosciusko, Indiana 59 $ 6,366,000 $ 107,898 $ 49,000
Huron, Michigan 59 $ 6,413,000 $ 108,694 $ 72,000
Rockwall, Texas 59 $ 10,919,000 $ 185,067 $ 113,000
Cabell, West Virginia 59 $ 4,916,000 $ 83,322 $ 48,000
Highlands, Florida 58 $ 8,344,000 $ 143,862 $ 96,000
Story, Iowa 58 $ 6,634,000 $ 114,379 $ 58,000
Madison, Kentucky 58 $ 8,088,000 $ 139,448 $ 64,000
Cumberland, New Jersey 58 $ 9,206,000 $ 158,724 $ 67,000
Montgomery, Alabama 57 $ 8,338,000 $ 146,280 $ 75,000
Merced, California 57 $ 12,961,000 $ 227,385 $ 101,000
Calvert, Maryland 57 $ 13,846,000 $ 242,912 $ 79,000
New York, New York 57 $ 19,395,000 $ 340,263 $ 335,000
Mahoning, Ohio 57 $ 5,323,000 $ 93,385 $ 43,000
Linn, Oregon 57 $ 7,994,000 $ 140,245 $ 65,000
Berkeley, West Virginia 57 $ 10,354,000 $ 181,649 $ 79,000
Waukesha, Wisconsin 57 $ 12,432,000 $ 218,105 $ 104,000
Kings, California 56 $ 12,252,000 $ 218,785 $ 75,000
Sanilac, Michigan 56 $ 6,322,000 $ 112,892 $ 70,000
St. Joseph, Michigan 56 $ 6,124,000 $ 109,357 $ 49,000
Scott, Missouri 56 $ 4,610,000 $ 82,321 $ 48,000
Erie, Ohio 56 $ 6,460,000 $ 115,357 $ 73,000
Bell, Texas 56 $ 7,971,000 $ 142,339 $ 74,000
San Juan, Utah 56 $ 7,752,000 $ 138,428 $ 60,000
Taney, Missouri 55 $ 8,030,000 $ 146,000 $ 86,000
Durham, North Carolina 55 $ 7,612,000 $ 138,400 $ 75,000
Spartanburg, South Carolina 55 $ 6,510,000 $ 118,363 $ 85,000
Tooele, Utah 55 $ 7,283,000 $ 132,418 $ 68,000
Garfield, Colorado 54 $ 11,500,000 $ 212,962 $ 93,000
Paulding, Georgia 54 $ 8,120,000 $ 150,370 $ 61,000
Osceola, Michigan 54 $ 5,075,000 $ 93,981 $ 57,000
Greene, Ohio 54 $ 8,936,000 $ 165,481 $ 88,000
Madison, Tennessee 54 $ 5,658,000 $ 104,777 $ 55,000
Sullivan, Tennessee 54 $ 7,990,000 $ 147,962 $ 72,000
Kittitas, Washington 54 $ 10,004,000 $ 185,259 $ 84,000
Union, North Carolina 53 $ 9,174,000 $ 173,094 $ 121,000
Summit, Utah 53 $ 28,040,000 $ 529,056 $ 252,000
Bossier, Louisiana 52 $ 5,638,000 $ 108,423 $ 50,000
Barnstable, Massachusetts 52 $ 12,830,000 $ 246,730 $ 125,000
Washington, Arkansas 51 $ 8,301,000 $ 162,764 $ 101,000
Wakulla, Florida 51 $ 8,290,000 $ 162,549 $ 67,000
Greenup, Kentucky 51 $ 4,925,000 $ 96,568 $ 46,000
Worcester, Maryland 51 $ 11,330,000 $ 222,156 $ 118,000
Clare, Michigan 51 $ 4,498,000 $ 88,196 $ 56,000
Alamance, North Carolina 51 $ 5,387,000 $ 105,627 $ 56,000
Cabarrus, North Carolina 51 $ 7,194,000 $ 141,058 $ 72,000
Rogers, Oklahoma 51 $ 5,632,000 $ 110,431 $ 62,000
Wagoner, Oklahoma 51 $ 5,701,000 $ 111,784 $ 56,000
Anderson, South Carolina 51 $ 6,956,000 $ 136,392 $ 69,000
Hamilton, Tennessee 51 $ 6,679,000 $ 130,960 $ 75,000
Island, Washington 51 $ 14,081,000 $ 276,098 $ 132,000
Outagamie, Wisconsin 51 $ 6,018,000 $ 118,000 $ 54,000
Humboldt, California 50 $ 10,857,000 $ 217,140 $ 96,000
Jasper, Missouri 50 $ 4,232,000 $ 84,640 $ 53,000
Trumbull, Ohio 50 $ 4,907,000 $ 98,140 $ 58,000
Washington, Ohio 50 $ 4,592,000 $ 91,840 $ 54,000
Sumner, Tennessee 50 $ 7,156,000 $ 143,120 $ 74,000
Ramsey, Minnesota 49 $ 9,183,000 $ 187,408 $ 80,000
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Mortgage Loan Application Detail Totals for Flagstar Bank in 2006

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 73,825 $12,131,224,000 $164,000 $3,520,000 $88,000 $6,492,000
Refinancing 71,367 $13,454,922,000 $188,000 $4,760,000 $90,000 $6,141,000
Home Improvement 6,342 $1,169,088,000 $184,000 $3,062,000 $97,000 $3,900,000

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 98,966 $17,011,549,000 $171,000 $4,760,000 $91,000 $6,141,000
Not applicable 15,225 $2,838,678,000 $186,000 $1,000,000 $94,000 $3,900,000
Black or African American 12,107 $1,937,844,000 $160,000 $2,548,000 $69,000 $4,868,000
Hispanic 11,974 $2,263,352,000 $189,000 $2,500,000 $84,000 $6,492,000
Not Provided 8,343 $1,581,638,000 $189,000 $3,200,000 $88,000 $2,456,000
Asian 3,884 $905,957,000 $233,000 $2,100,000 $112,000 $1,540,000
Native Hawaiian or Other Pacific Islander 604 $140,702,000 $232,000 $1,069,000 $100,000 $1,674,000
American Indian or Alaskan Native 431 $75,514,000 $175,000 $1,168,000 $77,000 $420,000

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) 141,800 $25,518,600,000 $179,000 $4,760,000 $92,000 $6,492,000
FHA-insured (Federal Housing Administration) 8,484 $1,059,186,000 $124,000 $456,000 $50,000 $535,000
VA-guaranteed (Veterans Administration) 964 $151,665,000 $157,000 $499,000 $53,000 $175,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 286 $25,783,000 $90,000 $245,000 $36,000 $66,000

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 90,166 $15,673,350,000 $173,000 $4,760,000 $88,000 $6,492,000
Application Approved But Not Accepted 23,473 $4,061,997,000 $173,000 $3,520,000 $88,000 $4,868,000
Application Denied By Financial Institution 20,884 $3,915,781,000 $187,000 $3,500,000 $97,000 $3,120,000
Loan Purchased By The Institution 15,225 $2,838,678,000 $186,000 $1,000,000 $94,000 $3,900,000
Preapproval Denied by Financial Institution 1,491 $194,844,000 $130,000 $1,120,000 $48,000 $383,000
File Closed For Incompleteness 295 $70,584,000 $239,000 $2,340,000 $145,000 $1,140,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Application Withdrawn By Applicant 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
Other 8,037 $1,565,387,000 $194,000 $3,300,000 $113,000 $2,533,000
Credit History 5,963 $965,964,000 $161,000 $2,334,000 $72,000 $3,120,000
Debt-To-Income Ratio 4,530 $815,711,000 $180,000 $2,799,000 $77,000 $1,380,000
Collateral 2,238 $431,853,000 $192,000 $3,500,000 $106,000 $1,536,000
Unverifiable Information 739 $170,409,000 $230,000 $2,000,000 $121,000 $1,680,000
Insufficient Cash (Downpayment, Closing Cost) 572 $104,021,000 $181,000 $1,929,000 $86,000 $1,674,000
Employment History 267 $49,945,000 $187,000 $900,000 $101,000 $570,000
Credit Application Incomplete 29 $7,335,000 $252,000 $2,200,000 $223,000 $2,100,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Flagstar Bank's 2006 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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