Flagstar Bank Mortgage Lending & HMDA Data, 2004
In 2004, Flagstar Bank of Troy, MI reported 272,834 mortgage applications totaling $45.3 billion, down 41% from 2003. The average application was for $166,040, and applicants reported an average income of $72,945. 68% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Warren-Farmington Hills-Troy, MI (21,345), Detroit-Livonia-Dearborn, MI (7,967) and Los Angeles-Long Beach-Glendale, CA (7,047) (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 | 272,834 |
| Total Mortgage Loan Application Amount | $45,301,611,000 |
| Average Mortgage Loan Application Amount | $166,040 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $72,945 |
| Highest Applicant Income | $6,250,000 |
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Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren-Farmington Hills-Troy, MI | 21,345 | $ 3,204,060,000 | $ 150,108 | $ 68,000 |
| Detroit-Livonia-Dearborn, MI | 7,967 | $ 924,120,000 | $ 115,993 | $ 57,000 |
| Los Angeles-Long Beach-Glendale, CA | 7,047 | $ 1,759,046,000 | $ 249,616 | $ 105,000 |
| Chicago-Naperville-Joliet, IL | 6,714 | $ 1,279,670,000 | $ 190,597 | $ 76,000 |
| Seattle-Bellevue-Everett, WA | 5,329 | $ 1,141,533,000 | $ 214,211 | $ 81,000 |
| St. Louis, MO-IL | 4,425 | $ 578,217,000 | $ 130,670 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4,330 | $ 745,267,000 | $ 172,117 | $ 72,000 |
| Riverside-San Bernardino-Ontario, CA | 4,109 | $ 866,914,000 | $ 210,979 | $ 87,000 |
| New York-Wayne-White Plains, NY-NJ | 4,058 | $ 1,058,791,000 | $ 260,914 | $ 101,000 |
| Houston-Baytown-Sugar Land, TX | 3,975 | $ 563,547,000 | $ 141,772 | $ 89,000 |
| Denver-Aurora, CO | 3,846 | $ 743,371,000 | $ 193,284 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 3,712 | $ 614,070,000 | $ 165,428 | $ 73,000 |
| San Diego-Carlsbad-San Marcos, CA | 3,646 | $ 1,060,726,000 | $ 290,928 | $ 105,000 |
| Baltimore-Towson, MD | 3,294 | $ 573,067,000 | $ 173,972 | $ 80,000 |
| Dallas-Plano-Irving, TX | 3,238 | $ 510,001,000 | $ 157,504 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3,200 | $ 436,318,000 | $ 136,349 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3,157 | $ 529,694,000 | $ 167,783 | $ 85,000 |
| Orlando, FL | 3,117 | $ 455,943,000 | $ 146,276 | $ 70,000 |
| Nassau-Suffolk, NY | 3,088 | $ 746,554,000 | $ 241,759 | $ 95,000 |
| Columbus, OH | 3,018 | $ 395,936,000 | $ 131,191 | $ 65,000 |
| Las Vegas-Paradise, NV | 2,974 | $ 576,530,000 | $ 193,856 | $ 91,000 |
| Oakland-Fremont-Hayward, CA | 2,861 | $ 840,013,000 | $ 293,608 | $ 103,000 |
| Grand Rapids-Wyoming, MI | 2,831 | $ 301,791,000 | $ 106,602 | $ 49,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2,715 | $ 431,786,000 | $ 159,037 | $ 73,000 |
| Santa Ana-Anaheim-Irvine, CA | 2,555 | $ 754,090,000 | $ 295,142 | $ 124,000 |
| Cleveland-Elyria-Mentor, OH | 2,345 | $ 275,328,000 | $ 117,410 | $ 59,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,337 | $ 538,440,000 | $ 230,397 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2,327 | $ 769,060,000 | $ 330,494 | $ 111,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2,305 | $ 423,602,000 | $ 183,775 | $ 79,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2,177 | $ 384,703,000 | $ 176,712 | $ 88,000 |
| Flint, MI | 2,042 | $ 227,791,000 | $ 111,552 | $ 57,000 |
| Edison, NJ | 1,871 | $ 393,274,000 | $ 210,194 | $ 93,000 |
| Lansing-East Lansing, MI | 1,750 | $ 198,689,000 | $ 113,536 | $ 57,000 |
| Cincinnati-Middletown, OH-KY-IN | 1,715 | $ 205,593,000 | $ 119,879 | $ 58,000 |
| Hartford-West Hartford-East Hartford, CT | 1,638 | $ 268,301,000 | $ 163,797 | $ 71,000 |
| Providence-New Bedford-Fall River, RI-MA | 1,633 | $ 324,488,000 | $ 198,706 | $ 87,000 |
| Newark-Union, NJ-PA | 1,622 | $ 350,017,000 | $ 215,793 | $ 93,000 |
| Pittsburgh, PA | 1,581 | $ 166,746,000 | $ 105,468 | $ 78,000 |
| Indianapolis, IN | 1,552 | $ 201,103,000 | $ 129,576 | $ 70,000 |
| Ann Arbor, MI | 1,500 | $ 255,742,000 | $ 170,494 | $ 75,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,495 | $ 266,540,000 | $ 178,287 | $ 73,000 |
| Fort Worth-Arlington, TX | 1,440 | $ 202,870,000 | $ 140,881 | $ 86,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1,414 | $ 313,319,000 | $ 221,583 | $ 84,000 |
| San Francisco-San Mateo-Redwood City, CA | 1,414 | $ 497,353,000 | $ 351,734 | $ 134,000 |
| Port St. Lucie-Fort Pierce, FL | 1,383 | $ 221,818,000 | $ 160,389 | $ 75,000 |
| Philadelphia, PA | 1,370 | $ 195,412,000 | $ 142,636 | $ 74,000 |
| Austin-Round Rock, TX | 1,362 | $ 240,135,000 | $ 176,310 | $ 89,000 |
| Toledo, OH | 1,207 | $ 127,250,000 | $ 105,426 | $ 56,000 |
| Tacoma, WA | 1,182 | $ 199,158,000 | $ 168,492 | $ 67,000 |
| New Orleans-Metairie-Kenner, LA | 1,140 | $ 136,436,000 | $ 119,680 | $ 58,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,129 | $ 331,314,000 | $ 293,457 | $ 98,000 |
| Fresno, CA | 1,120 | $ 189,431,000 | $ 169,134 | $ 78,000 |
| Boston-Quincy, MA | 1,112 | $ 256,747,000 | $ 230,887 | $ 77,000 |
| Tucson, AZ | 1,024 | $ 143,277,000 | $ 139,918 | $ 73,000 |
| Jacksonville, FL | 1,019 | $ 138,664,000 | $ 136,078 | $ 71,000 |
| Jackson, MI | 999 | $ 99,054,000 | $ 99,153 | $ 49,000 |
| Dayton, OH | 992 | $ 105,045,000 | $ 105,892 | $ 54,000 |
| Bridgeport-Stamford-Norwalk, CT | 978 | $ 230,370,000 | $ 235,552 | $ 99,000 |
| Albany-Schenectady-Troy, NY | 972 | $ 124,380,000 | $ 127,962 | $ 69,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 964 | $ 182,454,000 | $ 189,267 | $ 81,000 |
| Omaha-Council Bluffs, NE-IA | 916 | $ 108,211,000 | $ 118,134 | $ 63,000 |
| Salt Lake City, UT | 897 | $ 152,266,000 | $ 169,750 | $ 74,000 |
| Holland-Grand Haven, MI | 879 | $ 95,199,000 | $ 108,303 | $ 55,000 |
| Cape Coral-Fort Myers, FL | 874 | $ 140,358,000 | $ 160,592 | $ 89,000 |
| Fort Wayne, IN | 830 | $ 86,760,000 | $ 104,530 | $ 52,000 |
| New Haven-Milford, CT | 827 | $ 137,383,000 | $ 166,122 | $ 77,000 |
| Tallahassee, FL | 826 | $ 106,282,000 | $ 128,670 | $ 63,000 |
| Des Moines, IA | 825 | $ 108,919,000 | $ 132,023 | $ 68,000 |
| Birmingham-Hoover, AL | 822 | $ 109,510,000 | $ 133,223 | $ 63,000 |
| Nashville-Davidson--Murfreesboro, TN | 793 | $ 105,027,000 | $ 132,442 | $ 59,000 |
| Tulsa, OK | 739 | $ 72,544,000 | $ 98,165 | $ 59,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 736 | $ 90,698,000 | $ 123,230 | $ 64,000 |
| Green Bay, WI | 734 | $ 95,246,000 | $ 129,762 | $ 55,000 |
| Boise City-Nampa, ID | 730 | $ 97,669,000 | $ 133,793 | $ 56,000 |
| San Antonio, TX | 717 | $ 93,712,000 | $ 130,700 | $ 78,000 |
| Spokane, WA | 715 | $ 87,543,000 | $ 122,437 | $ 62,000 |
| Columbia, SC | 686 | $ 82,791,000 | $ 120,686 | $ 56,000 |
| Cambridge-Newton-Framingham, MA | 684 | $ 166,750,000 | $ 243,786 | $ 100,000 |
| Albuquerque, NM | 647 | $ 90,704,000 | $ 140,191 | $ 83,000 |
| Milwaukee-Waukesha-West Allis, WI | 646 | $ 103,199,000 | $ 159,750 | $ 80,000 |
| Stockton, CA | 626 | $ 139,491,000 | $ 222,829 | $ 84,000 |
| Kansas City, MO-KS | 619 | $ 71,795,000 | $ 115,985 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 617 | $ 82,610,000 | $ 133,889 | $ 60,000 |
| Akron, OH | 610 | $ 73,195,000 | $ 119,991 | $ 56,000 |
| Vallejo-Fairfield, CA | 607 | $ 152,372,000 | $ 251,024 | $ 93,000 |
| Anchorage, AK | 600 | $ 108,931,000 | $ 181,551 | $ 78,000 |
| Memphis, TN-MS-AR | 590 | $ 57,262,000 | $ 97,054 | $ 77,000 |
| Richmond, VA | 583 | $ 83,604,000 | $ 143,403 | $ 64,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 569 | $ 129,121,000 | $ 226,926 | $ 80,000 |
| Santa Fe, NM | 567 | $ 119,209,000 | $ 210,245 | $ 96,000 |
| Ogden-Clearfield, UT | 566 | $ 84,850,000 | $ 149,911 | $ 65,000 |
| Baton Rouge, LA | 562 | $ 62,249,000 | $ 110,763 | $ 50,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 555 | $ 82,594,000 | $ 148,818 | $ 63,000 |
| Essex County, MA | 552 | $ 124,239,000 | $ 225,070 | $ 84,000 |
| Saginaw-Saginaw Township North, MI | 542 | $ 49,888,000 | $ 92,044 | $ 54,000 |
| Colorado Springs, CO | 540 | $ 83,890,000 | $ 155,351 | $ 68,000 |
| Evansville, IN-KY | 529 | $ 50,824,000 | $ 96,075 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 519 | $ 74,994,000 | $ 144,497 | $ 73,000 |
| Worcester, MA | 516 | $ 95,616,000 | $ 185,302 | $ 82,000 |
| Idaho Falls, ID | 515 | $ 60,130,000 | $ 116,757 | $ 52,000 |
| Provo-Orem, UT | 515 | $ 76,667,000 | $ 148,867 | $ 68,000 |
| Camden, NJ | 492 | $ 80,471,000 | $ 163,558 | $ 75,000 |
| Lake County-Kenosha County, IL-WI | 490 | $ 101,049,000 | $ 206,222 | $ 86,000 |
| Modesto, CA | 485 | $ 93,799,000 | $ 193,400 | $ 84,000 |
| Sarasota-Bradenton-Venice, FL | 480 | $ 75,765,000 | $ 157,843 | $ 101,000 |
| Boulder, CO | 479 | $ 103,699,000 | $ 216,490 | $ 84,000 |
| Charlotte-Gastonia-Concord, NC-SC | 473 | $ 65,204,000 | $ 137,852 | $ 69,000 |
| Lincoln, NE | 466 | $ 53,919,000 | $ 115,706 | $ 53,000 |
| Naples-Marco Island, FL | 464 | $ 101,223,000 | $ 218,153 | $ 105,000 |
| Honolulu, HI | 438 | $ 119,681,000 | $ 273,244 | $ 105,000 |
| Fort Walton Beach-Crestview-Destin, FL | 435 | $ 75,546,000 | $ 173,668 | $ 99,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 431 | $ 87,173,000 | $ 202,257 | $ 89,000 |
| Monroe, MI | 426 | $ 58,222,000 | $ 136,671 | $ 67,000 |
| Bremerton-Silverdale, WA | 424 | $ 74,365,000 | $ 175,389 | $ 70,000 |
| Bakersfield, CA | 407 | $ 58,580,000 | $ 143,931 | $ 73,000 |
| Fort Collins-Loveland, CO | 404 | $ 72,438,000 | $ 179,301 | $ 75,000 |
| Louisville, KY-IN | 398 | $ 51,336,000 | $ 128,984 | $ 62,000 |
| Springfield, MO | 385 | $ 39,589,000 | $ 102,828 | $ 50,000 |
| Rochester, NY | 383 | $ 41,277,000 | $ 107,772 | $ 69,000 |
| Lakeland, FL | 380 | $ 42,192,000 | $ 111,031 | $ 60,000 |
| Oklahoma City, OK | 374 | $ 36,814,000 | $ 98,433 | $ 55,000 |
| Rockingham County-Strafford County, NH | 373 | $ 74,260,000 | $ 199,088 | $ 85,000 |
| San Luis Obispo-Paso Robles, CA | 369 | $ 98,234,000 | $ 266,216 | $ 112,000 |
| Kalamazoo-Portage, MI | 364 | $ 39,846,000 | $ 109,467 | $ 57,000 |
| Muskegon-Norton Shores, MI | 364 | $ 32,821,000 | $ 90,167 | $ 47,000 |
| Gary, IN | 354 | $ 41,980,000 | $ 118,587 | $ 60,000 |
| Panama City-Lynn Haven, FL | 349 | $ 55,457,000 | $ 158,902 | $ 94,000 |
| Jackson, MS | 330 | $ 30,650,000 | $ 92,878 | $ 57,000 |
| Buffalo-Niagara Falls, NY | 329 | $ 31,838,000 | $ 96,772 | $ 54,000 |
| Kennewick-Richland-Pasco, WA | 317 | $ 40,619,000 | $ 128,135 | $ 69,000 |
| Lexington-Fayette, KY | 317 | $ 42,301,000 | $ 133,441 | $ 68,000 |
| Santa Rosa-Petaluma, CA | 308 | $ 86,703,000 | $ 281,503 | $ 110,000 |
| Yakima, WA | 303 | $ 34,820,000 | $ 114,917 | $ 59,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 301 | $ 46,604,000 | $ 154,830 | $ 106,000 |
| Santa Cruz-Watsonville, CA | 298 | $ 89,733,000 | $ 301,117 | $ 115,000 |
| Syracuse, NY | 297 | $ 29,254,000 | $ 98,498 | $ 61,000 |
| Redding, CA | 295 | $ 51,142,000 | $ 173,362 | $ 69,000 |
| Greeley, CO | 288 | $ 49,128,000 | $ 170,583 | $ 65,000 |
| Reno-Sparks, NV | 288 | $ 59,087,000 | $ 205,163 | $ 92,000 |
| Battle Creek, MI | 286 | $ 26,816,000 | $ 93,762 | $ 58,000 |
| Eugene-Springfield, OR | 286 | $ 42,412,000 | $ 148,293 | $ 76,000 |
| Elkhart-Goshen, IN | 273 | $ 26,993,000 | $ 98,875 | $ 59,000 |
| McAllen-Edinburg-Pharr, TX | 273 | $ 32,978,000 | $ 120,798 | $ 112,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 272 | $ 35,265,000 | $ 129,650 | $ 60,000 |
| Raleigh-Cary, NC | 272 | $ 39,908,000 | $ 146,720 | $ 57,000 |
| Charleston-North Charleston, SC | 267 | $ 41,109,000 | $ 153,966 | $ 76,000 |
| El Paso, TX | 265 | $ 36,384,000 | $ 137,298 | $ 98,000 |
| Duluth, MN-WI | 263 | $ 32,509,000 | $ 123,608 | $ 58,000 |
| Canton-Massillon, OH | 261 | $ 25,231,000 | $ 96,670 | $ 42,000 |
| Olympia, WA | 260 | $ 40,178,000 | $ 154,530 | $ 69,000 |
| Coeur D'Alene, ID | 254 | $ 34,597,000 | $ 136,208 | $ 85,000 |
| Madison, WI | 254 | $ 43,067,000 | $ 169,555 | $ 81,000 |
| Savannah, GA | 252 | $ 38,506,000 | $ 152,801 | $ 69,000 |
| Youngstown-Warren-Boardman, OH-PA | 248 | $ 23,498,000 | $ 94,750 | $ 52,000 |
| Manchester-Nashua, NH | 246 | $ 45,866,000 | $ 186,447 | $ 81,000 |
| Mansfield, OH | 244 | $ 23,524,000 | $ 96,409 | $ 49,000 |
| Topeka, KS | 244 | $ 30,511,000 | $ 125,045 | $ 59,000 |
| Wichita, KS | 229 | $ 22,695,000 | $ 99,104 | $ 54,000 |
| Cedar Rapids, IA | 226 | $ 22,757,000 | $ 100,694 | $ 49,000 |
| Reading, PA | 225 | $ 23,305,000 | $ 103,577 | $ 53,000 |
| Chico, CA | 223 | $ 42,097,000 | $ 188,775 | $ 70,000 |
| Chattanooga, TN-GA | 220 | $ 26,989,000 | $ 122,677 | $ 62,000 |
| Wilmington, DE-MD-NJ | 219 | $ 35,357,000 | $ 161,447 | $ 73,000 |
| Salem, OR | 218 | $ 34,060,000 | $ 156,238 | $ 73,000 |
| Pocatello, ID | 217 | $ 21,526,000 | $ 99,198 | $ 44,000 |
| Salinas, CA | 216 | $ 61,248,000 | $ 283,555 | $ 116,000 |
| Norwich-New London, CT | 213 | $ 36,798,000 | $ 172,760 | $ 67,000 |
| Visalia-Porterville, CA | 213 | $ 30,011,000 | $ 140,896 | $ 69,000 |
| Springfield, MA | 211 | $ 29,139,000 | $ 138,099 | $ 57,000 |
| Asheville, NC | 206 | $ 30,926,000 | $ 150,126 | $ 60,000 |
| St. George, UT | 204 | $ 31,045,000 | $ 152,181 | $ 78,000 |
| Ocala, FL | 202 | $ 21,513,000 | $ 106,500 | $ 51,000 |
| South Bend-Mishawaka, IN-MI | 202 | $ 19,709,000 | $ 97,569 | $ 53,000 |
| Grand Junction, CO | 194 | $ 26,480,000 | $ 136,494 | $ 65,000 |
| Davenport-Moline-Rock Island, IA-IL | 193 | $ 19,507,000 | $ 101,072 | $ 48,000 |
| Gulfport-Biloxi, MS | 192 | $ 18,946,000 | $ 98,677 | $ 53,000 |
| Amarillo, TX | 183 | $ 20,855,000 | $ 113,961 | $ 66,000 |
| Augusta-Richmond County, GA-SC | 182 | $ 19,406,000 | $ 106,626 | $ 56,000 |
| Bend, OR | 182 | $ 33,339,000 | $ 183,181 | $ 99,000 |
| Columbia, MO | 179 | $ 21,156,000 | $ 118,189 | $ 49,000 |
| Little Rock-North Little Rock, AR | 175 | $ 21,131,000 | $ 120,748 | $ 65,000 |
| Merced, CA | 174 | $ 29,872,000 | $ 171,678 | $ 69,000 |
| Barnstable Town, MA | 172 | $ 39,877,000 | $ 231,843 | $ 103,000 |
| Trenton-Ewing, NJ | 172 | $ 29,127,000 | $ 169,343 | $ 84,000 |
| Mount Vernon-Anacortes, WA | 171 | $ 30,399,000 | $ 177,771 | $ 65,000 |
| York-Hanover, PA | 171 | $ 21,070,000 | $ 123,216 | $ 56,000 |
| Atlantic City, NJ | 170 | $ 26,996,000 | $ 158,800 | $ 75,000 |
| Prescott, AZ | 168 | $ 25,329,000 | $ 150,767 | $ 80,000 |
| Bay City, MI | 163 | $ 16,490,000 | $ 101,165 | $ 53,000 |
| Corpus Christi, TX | 162 | $ 20,833,000 | $ 128,598 | $ 104,000 |
| Portland-South Portland-Biddeford, ME | 162 | $ 30,138,000 | $ 186,037 | $ 87,000 |
| Macon, GA | 159 | $ 19,251,000 | $ 121,075 | $ 56,000 |
| Flagstaff, AZ | 158 | $ 27,437,000 | $ 173,651 | $ 89,000 |
| Kingston, NY | 157 | $ 25,472,000 | $ 162,242 | $ 62,000 |
| Charleston, WV | 156 | $ 13,749,000 | $ 88,134 | $ 53,000 |
| Medford, OR | 156 | $ 26,212,000 | $ 168,025 | $ 93,000 |
| Springfield, OH | 155 | $ 14,117,000 | $ 91,077 | $ 48,000 |
| Bloomington, IN | 152 | $ 15,072,000 | $ 99,157 | $ 52,000 |
| Yuba City, CA | 152 | $ 29,107,000 | $ 191,493 | $ 54,000 |
| Lake Charles, LA | 151 | $ 12,356,000 | $ 81,827 | $ 49,000 |
| Punta Gorda, FL | 148 | $ 20,832,000 | $ 140,756 | $ 70,000 |
| Racine, WI | 147 | $ 20,365,000 | $ 138,537 | $ 55,000 |
| Vero Beach, FL | 145 | $ 24,158,000 | $ 166,606 | $ 70,000 |
| Joplin, MO | 144 | $ 12,615,000 | $ 87,604 | $ 35,000 |
| Shreveport-Bossier City, LA | 144 | $ 13,068,000 | $ 90,750 | $ 49,000 |
| La Crosse, WI-MN | 143 | $ 19,959,000 | $ 139,573 | $ 69,000 |
| Erie, PA | 139 | $ 13,247,000 | $ 95,302 | $ 44,000 |
| Niles-Benton Harbor, MI | 138 | $ 19,215,000 | $ 139,239 | $ 79,000 |
| Bellingham, WA | 137 | $ 22,358,000 | $ 163,197 | $ 83,000 |
| Appleton, WI | 134 | $ 17,825,000 | $ 133,022 | $ 63,000 |
| Pueblo, CO | 134 | $ 15,410,000 | $ 115,000 | $ 55,000 |
| Napa, CA | 132 | $ 36,548,000 | $ 276,878 | $ 139,000 |
| Mobile, AL | 131 | $ 15,001,000 | $ 114,511 | $ 69,000 |
| El Centro, CA | 130 | $ 17,854,000 | $ 137,338 | $ 73,000 |
| Peoria, IL | 130 | $ 11,759,000 | $ 90,453 | $ 53,000 |
| Harrisburg-Carlisle, PA | 129 | $ 14,895,000 | $ 115,465 | $ 58,000 |
| Madera, CA | 128 | $ 23,008,000 | $ 179,750 | $ 104,000 |
| Anniston-Oxford, AL | 126 | $ 13,453,000 | $ 106,769 | $ 55,000 |
| Longview, WA | 124 | $ 15,711,000 | $ 126,701 | $ 68,000 |
| Lancaster, PA | 123 | $ 14,799,000 | $ 120,317 | $ 61,000 |
| Gainesville, GA | 122 | $ 19,855,000 | $ 162,745 | $ 74,000 |
| Albany, GA | 118 | $ 15,583,000 | $ 132,059 | $ 60,000 |
| Janesville, WI | 116 | $ 15,191,000 | $ 130,956 | $ 94,000 |
| Brownsville-Harlingen, TX | 114 | $ 13,118,000 | $ 115,070 | $ 63,000 |
| Glens Falls, NY | 114 | $ 13,418,000 | $ 117,701 | $ 72,000 |
| Gainesville, FL | 113 | $ 13,509,000 | $ 119,548 | $ 64,000 |
| Lafayette, LA | 113 | $ 10,198,000 | $ 90,247 | $ 46,000 |
| Knoxville, TN | 110 | $ 14,640,000 | $ 133,090 | $ 59,000 |
| Roanoke, VA | 109 | $ 13,529,000 | $ 124,119 | $ 54,000 |
| Utica-Rome, NY | 108 | $ 9,814,000 | $ 90,870 | $ 52,000 |
| Tuscaloosa, AL | 106 | $ 13,423,000 | $ 126,632 | $ 70,000 |
| Hagerstown-Martinsburg, MD-WV | 105 | $ 15,800,000 | $ 150,476 | $ 63,000 |
| Ames, IA | 104 | $ 12,888,000 | $ 123,923 | $ 60,000 |
| Hanford-Corcoran, CA | 104 | $ 15,607,000 | $ 150,067 | $ 81,000 |
| Burlington-South Burlington, VT | 103 | $ 15,851,000 | $ 153,893 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 103 | $ 13,236,000 | $ 128,504 | $ 90,000 |
| Kingsport-Bristol-Bristol, TN-VA | 103 | $ 10,496,000 | $ 101,902 | $ 53,000 |
| Sandusky, OH | 103 | $ 11,571,000 | $ 112,339 | $ 59,000 |
| Logan, UT-ID | 100 | $ 12,211,000 | $ 122,110 | $ 49,000 |
| Pascagoula, MS | 100 | $ 8,333,000 | $ 83,330 | $ 46,000 |
| Beaumont-Port Arthur, TX | 99 | $ 10,528,000 | $ 106,343 | $ 54,000 |
| Lubbock, TX | 99 | $ 12,460,000 | $ 125,858 | $ 109,000 |
| Wausau, WI | 99 | $ 11,643,000 | $ 117,606 | $ 63,000 |
| Columbus, GA-AL | 98 | $ 10,968,000 | $ 111,918 | $ 50,000 |
| Huntington-Ashland, WV-KY-OH | 95 | $ 8,127,000 | $ 85,547 | $ 40,000 |
| Charlottesville, VA | 94 | $ 16,357,000 | $ 174,010 | $ 83,000 |
| Greensboro-High Point, NC | 94 | $ 10,572,000 | $ 112,468 | $ 54,000 |
| Greenville, SC | 94 | $ 10,895,000 | $ 115,904 | $ 57,000 |
| Waterloo-Cedar Falls, IA | 94 | $ 8,113,000 | $ 86,308 | $ 49,000 |
| Hattiesburg, MS | 93 | $ 7,893,000 | $ 84,870 | $ 47,000 |
| Anderson, IN | 92 | $ 8,038,000 | $ 87,369 | $ 51,000 |
| Elmira, NY | 92 | $ 6,826,000 | $ 74,195 | $ 51,000 |
| Lynchburg, VA | 92 | $ 11,447,000 | $ 124,423 | $ 66,000 |
| Durham, NC | 90 | $ 13,574,000 | $ 150,822 | $ 67,000 |
| Killeen-Temple-Fort Hood, TX | 89 | $ 10,847,000 | $ 121,876 | $ 75,000 |
| Ocean City, NJ | 88 | $ 19,534,000 | $ 221,977 | $ 147,000 |
| Cleveland, TN | 87 | $ 10,276,000 | $ 118,114 | $ 57,000 |
| Scranton--Wilkes-Barre, PA | 87 | $ 8,405,000 | $ 96,609 | $ 59,000 |
| Danville, VA | 86 | $ 7,554,000 | $ 87,837 | $ 39,000 |
| Wilmington, NC | 85 | $ 12,871,000 | $ 151,423 | $ 88,000 |
| Oshkosh-Neenah, WI | 84 | $ 11,401,000 | $ 135,726 | $ 67,000 |
| Iowa City, IA | 81 | $ 10,834,000 | $ 133,753 | $ 55,000 |
| Jackson, TN | 81 | $ 8,302,000 | $ 102,493 | $ 52,000 |
| Athens-Clarke County, GA | 79 | $ 10,668,000 | $ 135,037 | $ 59,000 |
| Huntsville, AL | 77 | $ 11,455,000 | $ 148,766 | $ 77,000 |
| Johnson City, TN | 77 | $ 9,660,000 | $ 125,454 | $ 59,000 |
| Wenatchee, WA | 77 | $ 12,641,000 | $ 164,168 | $ 91,000 |
| Hickory-Lenoir-Morganton, NC | 76 | $ 8,997,000 | $ 118,381 | $ 67,000 |
| Wheeling, WV-OH | 75 | $ 7,077,000 | $ 94,360 | $ 38,000 |
| Clarksville, TN-KY | 74 | $ 7,970,000 | $ 107,702 | $ 55,000 |
| Parkersburg-Marietta, WV-OH | 74 | $ 5,331,000 | $ 72,040 | $ 30,000 |
| Owensboro, KY | 72 | $ 5,654,000 | $ 78,527 | $ 36,000 |
| Winston-Salem, NC | 72 | $ 9,032,000 | $ 125,444 | $ 67,000 |
| Salisbury, MD | 71 | $ 8,469,000 | $ 119,281 | $ 69,000 |
| Sherman-Denison, TX | 71 | $ 9,638,000 | $ 135,746 | $ 76,000 |
| Spartanburg, SC | 71 | $ 7,651,000 | $ 107,760 | $ 60,000 |
| Las Cruces, NM | 70 | $ 8,833,000 | $ 126,185 | $ 88,000 |
| Tyler, TX | 69 | $ 8,830,000 | $ 127,971 | $ 72,000 |
| Sioux City, IA-NE-SD | 68 | $ 4,975,000 | $ 73,161 | $ 37,000 |
| Terre Haute, IN | 68 | $ 5,984,000 | $ 88,000 | $ 45,000 |
| Montgomery, AL | 67 | $ 7,871,000 | $ 117,477 | $ 65,000 |
| Longview, TX | 64 | $ 6,761,000 | $ 105,640 | $ 59,000 |
| Binghamton, NY | 63 | $ 4,915,000 | $ 78,015 | $ 56,000 |
| Farmington, NM | 62 | $ 8,819,000 | $ 142,241 | $ 70,000 |
| Rockford, IL | 61 | $ 7,002,000 | $ 114,786 | $ 66,000 |
| Dalton, GA | 59 | $ 6,105,000 | $ 103,474 | $ 50,000 |
| Dover, DE | 58 | $ 8,795,000 | $ 151,637 | $ 64,000 |
| Missoula, MT | 58 | $ 8,956,000 | $ 154,413 | $ 76,000 |
| Columbus, IN | 56 | $ 5,339,000 | $ 95,339 | $ 58,000 |
| Greenville, NC | 56 | $ 6,032,000 | $ 107,714 | $ 97,000 |
| Laredo, TX | 56 | $ 7,670,000 | $ 136,964 | $ 69,000 |
| Bangor, ME | 54 | $ 7,246,000 | $ 134,185 | $ 75,000 |
| Dubuque, IA | 54 | $ 5,802,000 | $ 107,444 | $ 58,000 |
| Florence, SC | 52 | $ 5,322,000 | $ 102,346 | $ 51,000 |
| Waco, TX | 52 | $ 5,765,000 | $ 110,865 | $ 66,000 |
| Jefferson City, MO | 51 | $ 5,722,000 | $ 112,196 | $ 53,000 |
| Morristown, TN | 49 | $ 5,332,000 | $ 108,816 | $ 68,000 |
| Anderson, SC | 47 | $ 5,319,000 | $ 113,170 | $ 44,000 |
| Michigan City-La Porte, IN | 46 | $ 5,364,000 | $ 116,608 | $ 58,000 |
| Houma-Bayou Cane-Thibodaux, LA | 44 | $ 4,270,000 | $ 97,045 | $ 63,000 |
| Johnstown, PA | 44 | $ 4,053,000 | $ 92,113 | $ 53,000 |
| Kokomo, IN | 44 | $ 5,193,000 | $ 118,022 | $ 80,000 |
| Lewiston-Auburn, ME | 43 | $ 5,007,000 | $ 116,441 | $ 63,000 |
| Vineland-Millville-Bridgeton, NJ | 42 | $ 5,920,000 | $ 140,952 | $ 57,000 |
| Springfield, IL | 41 | $ 4,474,000 | $ 109,121 | $ 65,000 |
| College Station-Bryan, TX | 40 | $ 5,136,000 | $ 128,400 | $ 84,000 |
| Kankakee-Bradley, IL | 40 | $ 5,513,000 | $ 137,825 | $ 81,000 |
| Lima, OH | 40 | $ 3,412,000 | $ 85,300 | $ 50,000 |
| Pittsfield, MA | 40 | $ 6,260,000 | $ 156,500 | $ 81,000 |
| Yuma, AZ | 39 | $ 5,256,000 | $ 134,769 | $ 90,000 |
| Fairbanks, AK | 38 | $ 5,329,000 | $ 140,236 | $ 78,000 |
| Harrisonburg, VA | 37 | $ 4,482,000 | $ 121,135 | $ 71,000 |
| Cheyenne, WY | 36 | $ 4,459,000 | $ 123,861 | $ 58,000 |
| Dothan, AL | 36 | $ 4,368,000 | $ 121,333 | $ 83,000 |
| Burlington, NC | 35 | $ 4,894,000 | $ 139,828 | $ 67,000 |
| Fayetteville, NC | 35 | $ 3,528,000 | $ 100,800 | $ 81,000 |
| Winchester, VA-WV | 34 | $ 6,022,000 | $ 177,117 | $ 64,000 |
| Eau Claire, WI | 33 | $ 3,598,000 | $ 109,030 | $ 61,000 |
| Fond Du Lac, WI | 33 | $ 4,005,000 | $ 121,363 | $ 54,000 |
| Weirton-Steubenville, WV-OH | 33 | $ 2,627,000 | $ 79,606 | $ 42,000 |
| Muncie, IN | 31 | $ 2,487,000 | $ 80,225 | $ 71,000 |
| Auburn-Opelika, AL | 30 | $ 3,732,000 | $ 124,400 | $ 63,000 |
| Corvallis, OR | 29 | $ 4,715,000 | $ 162,586 | $ 78,000 |
| Lafayette, IN | 29 | $ 3,644,000 | $ 125,655 | $ 52,000 |
| St. Joseph, MO-KS | 29 | $ 2,935,000 | $ 101,206 | $ 49,000 |
| Alexandria, LA | 28 | $ 2,532,000 | $ 90,428 | $ 39,000 |
| Champaign-Urbana, IL | 28 | $ 3,179,000 | $ 113,535 | $ 62,000 |
| Fargo, ND-MN | 28 | $ 3,300,000 | $ 117,857 | $ 63,000 |
| Victoria, TX | 28 | $ 3,170,000 | $ 113,214 | $ 78,000 |
| Morgantown, WV | 27 | $ 2,735,000 | $ 101,296 | $ 64,000 |
| St. Cloud, MN | 26 | $ 3,656,000 | $ 140,615 | $ 73,000 |
| Blacksburg-Christiansburg-Radford, VA | 25 | $ 2,792,000 | $ 111,680 | $ 67,000 |
| Valdosta, GA | 25 | $ 2,744,000 | $ 109,760 | $ 44,000 |
| Warner Robins, GA | 25 | $ 3,858,000 | $ 154,320 | $ 72,000 |
| Wichita Falls, TX | 25 | $ 2,489,000 | $ 99,560 | $ 64,000 |
| Great Falls, MT | 24 | $ 2,496,000 | $ 104,000 | $ 65,000 |
| Midland, TX | 23 | $ 2,755,000 | $ 119,782 | $ 92,000 |
| State College, PA | 23 | $ 2,987,000 | $ 129,869 | $ 81,000 |
| Billings, MT | 22 | $ 2,920,000 | $ 132,727 | $ 67,000 |
| Cumberland, MD-WV | 22 | $ 1,943,000 | $ 88,318 | $ 36,000 |
| Gadsden, AL | 22 | $ 2,371,000 | $ 107,772 | $ 64,000 |
| Carson City, NV | 21 | $ 4,446,000 | $ 211,714 | $ 81,000 |
| Sumter, SC | 21 | $ 2,180,000 | $ 103,809 | $ 51,000 |
| Rocky Mount, NC | 20 | $ 1,893,000 | $ 94,650 | $ 45,000 |
| Williamsport, PA | 20 | $ 1,532,000 | $ 76,600 | $ 39,000 |
| Bloomington-Normal, IL | 19 | $ 2,972,000 | $ 156,421 | $ 74,000 |
| Danville, IL | 19 | $ 2,028,000 | $ 106,736 | $ 90,000 |
| Decatur, IL | 19 | $ 1,938,000 | $ 102,000 | $ 53,000 |
| Rochester, MN | 19 | $ 2,374,000 | $ 124,947 | $ 70,000 |
| Altoona, PA | 18 | $ 1,327,000 | $ 73,722 | $ 45,000 |
| Fort Smith, AR-OK | 18 | $ 1,640,000 | $ 91,111 | $ 58,000 |
| Jacksonville, NC | 18 | $ 2,147,000 | $ 119,277 | $ 118,000 |
| Jonesboro, AR | 18 | $ 2,220,000 | $ 123,333 | $ 45,000 |
| Brunswick, GA | 17 | $ 3,047,000 | $ 179,235 | $ 90,000 |
| Lawrence, KS | 17 | $ 2,919,000 | $ 171,705 | $ 55,000 |
| Bismarck, ND | 16 | $ 1,993,000 | $ 124,562 | $ 51,000 |
| Elizabethtown, KY | 16 | $ 1,856,000 | $ 116,000 | $ 55,000 |
| Hot Springs, AR | 16 | $ 1,975,000 | $ 123,437 | $ 66,000 |
| San Angelo, TX | 14 | $ 1,602,000 | $ 114,428 | $ 81,000 |
| Abilene, TX | 13 | $ 1,026,000 | $ 78,923 | $ 76,000 |
| Sioux Falls, SD | 13 | $ 1,592,000 | $ 122,461 | $ 57,000 |
| Florence-Muscle Shoals, AL | 12 | $ 1,847,000 | $ 153,916 | $ 86,000 |
| Lebanon, PA | 12 | $ 1,620,000 | $ 135,000 | $ 68,000 |
| Rapid City, SD | 12 | $ 1,128,000 | $ 94,000 | $ 56,000 |
| Sheboygan, WI | 12 | $ 1,641,000 | $ 136,750 | $ 70,000 |
| Ithaca, NY | 11 | $ 1,282,000 | $ 116,545 | $ 59,000 |
| Casper, WY | 10 | $ 1,208,000 | $ 120,800 | $ 71,000 |
| Lawton, OK | 10 | $ 843,000 | $ 84,300 | $ 81,000 |
| Monroe, LA | 10 | $ 734,000 | $ 73,400 | $ 40,000 |
| Rome, GA | 10 | $ 962,000 | $ 96,200 | $ 112,000 |
| Texarkana, Tx-Texarkana, AR | 10 | $ 1,465,000 | $ 146,500 | $ 94,000 |
| Decatur, AL | 9 | $ 1,091,000 | $ 121,222 | $ 62,000 |
| Pine Bluff, AR | 9 | $ 787,000 | $ 87,444 | $ 57,000 |
| Hinesville-Fort Stewart, GA | 8 | $ 677,000 | $ 84,625 | $ 57,000 |
| Bowling Green, KY | 7 | $ 916,000 | $ 130,857 | $ 54,000 |
| Lewiston, ID-WA | 5 | $ 574,000 | $ 114,800 | $ 56,000 |
| Odessa, TX | 5 | $ 462,000 | $ 92,400 | $ 123,000 |
| Goldsboro, NC | 4 | $ 714,000 | $ 178,500 | $ 62,000 |
| Grand Forks, ND-MN | 4 | $ 459,000 | $ 114,750 | $ 78,000 |
Mortgage Loan Application Detail Totals for Flagstar Bank in 2004
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 | 159,753 | $26,919,296,000 | $151,673 | $2,052,000 | $69,826 | $3,369,000 |
| Home Purchase | 111,351 | $18,198,330,000 | $154,673 | $2,340,000 | $73,192 | $6,250,000 |
| Home Improvement | 1,730 | $183,985,000 | $112,891 | $3,500,000 | $94,630 | $1,046,000 |
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 | 200,683 | $32,877,435,000 | $155,576 | $3,500,000 | $75,326 | $6,250,000 |
| Hispanic | 21,936 | $3,703,658,000 | $143,666 | $1,703,000 | $63,176 | $3,751,000 |
| Black or African American | 19,291 | $2,676,883,000 | $138,142 | $2,340,000 | $72,387 | $3,100,000 |
| Not Provided | 17,784 | $3,017,827,000 | $148,884 | $2,000,000 | $72,596 | $3,369,000 |
| Asian | 11,092 | $2,643,120,000 | $179,320 | $1,974,000 | $82,040 | $1,800,000 |
| Native Hawaiian or Other Pacific Islander | 1,207 | $238,477,000 | $166,511 | $1,610,000 | $73,418 | $1,003,000 |
| American Indian or Alaskan Native | 841 | $144,211,000 | $139,777 | $1,393,000 | $66,688 | $1,896,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 259,896 | $43,867,199,000 | $153,653 | $3,500,000 | $73,326 | $6,250,000 |
| FHA-insured (Federal Housing Administration) | 11,496 | $1,260,530,000 | $121,733 | $495,000 | $45,733 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 1,131 | $147,376,000 | $138,066 | $303,000 | $53,333 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 311 | $26,506,000 | $81,500 | $263,000 | $32,500 | $319,000 |
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 | 186,602 | $31,006,391,000 | $152,137 | $2,048,000 | $73,333 | $5,256,000 |
| Application Approved But Not Accepted | 41,516 | $6,910,512,000 | $153,673 | $3,500,000 | $70,269 | $6,250,000 |
| Application Denied By Financial Institution | 28,691 | $4,504,273,000 | $152,096 | $2,340,000 | $68,519 | $3,934,000 |
| Loan Purchased By The Institution | 15,135 | $2,746,960,000 | $154,500 | $675,000 | $80,060 | $2,314,000 |
| File Closed For Incompleteness | 842 | $126,052,000 | $140,687 | $1,803,000 | $77,333 | $1,443,000 |
| Application Withdrawn By Applicant | 41 | $6,721,000 | $135,133 | $960,000 | $123,666 | $699,000 |
| Preapproval Denied by Financial Institution | 7 | $702,000 | $100,000 | $150,000 | $41,000 | $65,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 10,899 | $1,564,556,000 | $147,269 | $2,000,000 | $64,346 | $2,200,000 |
| Other | 7,395 | $1,240,545,000 | $152,134 | $2,052,000 | $80,538 | $3,934,000 |
| Debt-To-Income Ratio | 6,723 | $1,127,562,000 | $165,596 | $2,000,000 | $53,653 | $960,000 |
| Collateral | 1,921 | $277,616,000 | $140,784 | $2,000,000 | $84,098 | $1,896,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 830 | $131,539,000 | $167,700 | $2,340,000 | $62,800 | $803,000 |
| Unverifiable Information | 632 | $116,269,000 | $167,195 | $1,120,000 | $82,173 | $1,709,000 |
| Employment History | 228 | $34,944,000 | $149,538 | $1,000,000 | $62,076 | $1,311,000 |
| Credit Application Incomplete | 67 | $11,494,000 | $138,310 | $675,000 | $83,793 | $472,000 |
| Mortgage Insurance Denied | 3 | $450,000 | $150,000 | $200,000 | $59,000 | $72,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Flagstar Bank's 2004 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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