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Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren-Troy-Farmington Hills, MI | 7,581 | $ 1,126,481,000 | $ 148,592 | $ 84,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3,452 | $ 747,607,000 | $ 216,572 | $ 109,000 |
| Detroit-Livonia-Dearborn, MI | 3,062 | $ 356,405,000 | $ 116,396 | $ 68,000 |
| Seattle-Bellevue-Everett, WA | 3,027 | $ 716,413,000 | $ 236,674 | $ 105,000 |
| Orlando-Kissimmee, FL | 2,942 | $ 564,940,000 | $ 192,025 | $ 90,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2,878 | $ 492,916,000 | $ 171,270 | $ 92,000 |
| St. Louis, MO-IL | 2,763 | $ 372,015,000 | $ 134,641 | $ 72,689 |
| Miami-Miami Beach-Kendall, FL | 2,589 | $ 548,954,000 | $ 212,033 | $ 117,000 |
| Baltimore-Towson, MD | 2,502 | $ 493,349,000 | $ 197,181 | $ 96,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,461 | $ 753,724,000 | $ 306,267 | $ 131,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,456 | $ 608,637,000 | $ 247,816 | $ 92,396 |
| Houston-Sugar Land-Baytown, TX | 2,401 | $ 360,874,000 | $ 150,301 | $ 96,000 |
| New York-White Plains-Wayne, NY-NJ | 2,358 | $ 678,306,000 | $ 287,661 | $ 119,736 |
| Chicago-Naperville-Joliet, IL | 2,174 | $ 418,212,000 | $ 192,369 | $ 95,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2,119 | $ 444,613,000 | $ 209,822 | $ 110,000 |
| Denver-Aurora, CO | 1,875 | $ 357,480,000 | $ 190,656 | $ 95,000 |
| Dallas-Plano-Irving, TX | 1,835 | $ 299,682,000 | $ 163,314 | $ 100,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,783 | $ 303,171,000 | $ 170,034 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 1,705 | $ 418,760,000 | $ 245,607 | $ 115,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,594 | $ 324,570,000 | $ 203,619 | $ 102,348 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1,500 | $ 338,910,000 | $ 225,940 | $ 122,000 |
| Columbus, OH | 1,479 | $ 198,206,000 | $ 134,013 | $ 67,000 |
| Las Vegas-Paradise, NV | 1,330 | $ 299,280,000 | $ 225,022 | $ 121,000 |
| Grand Rapids-Wyoming, MI | 1,310 | $ 148,399,000 | $ 113,281 | $ 63,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,283 | $ 382,315,000 | $ 297,985 | $ 127,000 |
| Philadelphia, PA | 1,221 | $ 197,218,000 | $ 161,521 | $ 82,000 |
| Nassau-Suffolk, NY | 1,193 | $ 327,710,000 | $ 274,694 | $ 118,000 |
| Salt Lake City, UT | 980 | $ 186,205,000 | $ 190,005 | $ 99,000 |
| Austin-Round Rock, TX | 967 | $ 166,749,000 | $ 172,439 | $ 102,000 |
| Cleveland-Elyria-Mentor, OH | 965 | $ 126,220,000 | $ 130,797 | $ 67,000 |
| Santa Ana-Anaheim-Irvine, CA | 964 | $ 334,653,000 | $ 347,150 | $ 170,000 |
| Tacoma, WA | 913 | $ 183,015,000 | $ 200,454 | $ 86,000 |
| Flint, MI | 895 | $ 100,759,000 | $ 112,579 | $ 62,000 |
| Jacksonville, FL | 893 | $ 148,836,000 | $ 166,669 | $ 88,000 |
| Providence-New Bedford-Fall River, RI-MA | 892 | $ 195,846,000 | $ 219,558 | $ 86,391 |
| Edison, NJ | 891 | $ 216,124,000 | $ 242,563 | $ 113,000 |
| Indianapolis-Carmel, IN | 876 | $ 142,341,000 | $ 162,489 | $ 95,000 |
| Fort Worth-Arlington, TX | 864 | $ 130,708,000 | $ 151,282 | $ 91,000 |
| Lansing-East Lansing, MI | 847 | $ 93,701,000 | $ 110,626 | $ 61,000 |
| Cape Coral-Fort Myers, FL | 846 | $ 182,299,000 | $ 215,483 | $ 128,000 |
| Port St. Lucie-Fort Pierce, FL | 844 | $ 162,730,000 | $ 192,808 | $ 115,000 |
| Hartford-West Hartford-East Hartford, CT | 828 | $ 152,352,000 | $ 184,000 | $ 97,000 |
| Newark-Union, NJ-PA | 801 | $ 191,391,000 | $ 238,940 | $ 106,588 |
| Birmingham-Hoover, AL | 793 | $ 113,755,000 | $ 143,448 | $ 68,000 |
| Palm Bay-Melbourne-Titusville, FL | 782 | $ 131,005,000 | $ 167,525 | $ 74,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 780 | $ 127,485,000 | $ 163,442 | $ 84,000 |
| Cincinnati-Middletown, OH-KY-IN | 710 | $ 92,957,000 | $ 130,925 | $ 71,418 |
| New Orleans-Metairie-Kenner, LA | 705 | $ 106,485,000 | $ 151,042 | $ 81,000 |
| Oakland-Fremont-Hayward, CA | 704 | $ 234,428,000 | $ 332,994 | $ 142,000 |
| Columbia, SC | 686 | $ 88,165,000 | $ 128,520 | $ 66,000 |
| Nashville-Davidson--Murfreesboro, TN | 655 | $ 102,502,000 | $ 156,491 | $ 112,000 |
| San Antonio, TX | 640 | $ 98,292,000 | $ 153,581 | $ 91,000 |
| Ann Arbor, MI | 634 | $ 110,457,000 | $ 174,222 | $ 91,000 |
| Spokane, WA | 628 | $ 93,503,000 | $ 148,890 | $ 67,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 626 | $ 165,782,000 | $ 264,827 | $ 101,000 |
| Bethesda-Gaithersburg-Frederick, MD | 607 | $ 155,014,000 | $ 255,377 | $ 100,000 |
| Memphis, TN-MS-AR | 604 | $ 80,192,000 | $ 132,768 | $ 74,562 |
| Omaha-Council Bluffs, NE-IA | 604 | $ 68,760,000 | $ 113,841 | $ 64,913 |
| Charlotte-Gastonia-Concord, NC-SC | 594 | $ 85,694,000 | $ 144,265 | $ 77,223 |
| Jackson, MI | 582 | $ 56,047,000 | $ 96,300 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 579 | $ 88,326,000 | $ 152,549 | $ 100,000 |
| Tallahassee, FL | 572 | $ 90,437,000 | $ 158,106 | $ 77,000 |
| Tucson, AZ | 569 | $ 96,463,000 | $ 169,530 | $ 89,000 |
| Albuquerque, NM | 560 | $ 87,606,000 | $ 156,439 | $ 81,000 |
| Boise City-Nampa, ID | 551 | $ 86,563,000 | $ 157,101 | $ 92,000 |
| Toledo, OH | 546 | $ 62,005,000 | $ 113,562 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 526 | $ 100,733,000 | $ 191,507 | $ 88,543 |
| Pittsburgh, PA | 503 | $ 58,781,000 | $ 116,860 | $ 83,000 |
| Richmond, VA | 500 | $ 80,906,000 | $ 161,812 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 494 | $ 92,783,000 | $ 187,819 | $ 80,259 |
| Tulsa, OK | 490 | $ 52,449,000 | $ 107,038 | $ 63,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 489 | $ 108,448,000 | $ 221,775 | $ 93,000 |
| Camden, NJ | 474 | $ 85,109,000 | $ 179,554 | $ 83,000 |
| Charleston-North Charleston, SC | 470 | $ 82,944,000 | $ 176,476 | $ 86,000 |
| Fresno, CA | 468 | $ 96,473,000 | $ 206,138 | $ 124,000 |
| Lakeland, FL | 465 | $ 68,147,000 | $ 146,552 | $ 67,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 437 | $ 164,819,000 | $ 377,160 | $ 151,000 |
| Provo-Orem, UT | 436 | $ 64,995,000 | $ 149,071 | $ 74,000 |
| Fort Wayne, IN | 430 | $ 45,238,000 | $ 105,204 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 424 | $ 71,198,000 | $ 167,919 | $ 99,000 |
| Albany-Schenectady-Troy, NY | 393 | $ 58,758,000 | $ 149,511 | $ 76,000 |
| Sarasota-Bradenton-Venice, FL | 390 | $ 81,096,000 | $ 207,938 | $ 111,000 |
| Evansville, IN-KY | 382 | $ 37,687,000 | $ 98,657 | $ 48,429 |
| Baton Rouge, LA | 373 | $ 55,130,000 | $ 147,801 | $ 126,000 |
| Des Moines-West Des Moines, IA | 368 | $ 52,089,000 | $ 141,546 | $ 62,000 |
| Dayton, OH | 367 | $ 43,681,000 | $ 119,021 | $ 62,000 |
| Saginaw-Saginaw Township North, MI | 367 | $ 33,553,000 | $ 91,425 | $ 52,000 |
| Ogden-Clearfield, UT | 361 | $ 57,377,000 | $ 158,939 | $ 81,000 |
| Holland-Grand Haven, MI | 350 | $ 41,143,000 | $ 117,551 | $ 63,000 |
| Kansas City, MO-KS | 350 | $ 48,166,000 | $ 137,617 | $ 78,171 |
| Anchorage, AK | 341 | $ 65,721,000 | $ 192,730 | $ 92,000 |
| Boston-Quincy, MA | 339 | $ 80,534,000 | $ 237,563 | $ 95,000 |
| Fort Walton Beach-Crestview-Destin, FL | 337 | $ 70,123,000 | $ 208,080 | $ 148,000 |
| Springfield, MO | 337 | $ 40,870,000 | $ 121,275 | $ 63,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 316 | $ 104,465,000 | $ 330,585 | $ 133,000 |
| New Haven-Milford, CT | 313 | $ 58,857,000 | $ 188,041 | $ 86,000 |
| San Francisco-San Mateo-Redwood City, CA | 309 | $ 128,968,000 | $ 417,372 | $ 237,000 |
| Wilmington, DE-MD-NJ | 308 | $ 53,520,000 | $ 173,766 | $ 73,366 |
| Huntington-Ashland, WV-KY-OH | 304 | $ 25,887,000 | $ 85,154 | $ 46,197 |
| Lake County-Kenosha County, IL-WI | 304 | $ 54,294,000 | $ 178,598 | $ 97,055 |
| Raleigh-Cary, NC | 303 | $ 46,927,000 | $ 154,874 | $ 78,000 |
| Bridgeport-Stamford-Norwalk, CT | 300 | $ 80,202,000 | $ 267,340 | $ 137,000 |
| Bakersfield, CA | 294 | $ 60,262,000 | $ 204,972 | $ 88,000 |
| Colorado Springs, CO | 288 | $ 51,553,000 | $ 179,003 | $ 82,000 |
| Naples-Marco Island, FL | 280 | $ 81,963,000 | $ 292,725 | $ 160,000 |
| Oklahoma City, OK | 264 | $ 29,758,000 | $ 112,719 | $ 68,000 |
| Panama City-Lynn Haven, FL | 262 | $ 47,319,000 | $ 180,606 | $ 138,000 |
| Bremerton-Silverdale, WA | 258 | $ 54,016,000 | $ 209,364 | $ 89,000 |
| Kennewick-Richland-Pasco, WA | 258 | $ 31,975,000 | $ 123,934 | $ 76,000 |
| Honolulu, HI | 254 | $ 75,850,000 | $ 298,622 | $ 139,000 |
| Akron, OH | 247 | $ 30,267,000 | $ 122,538 | $ 64,000 |
| South Bend-Mishawaka, IN-MI | 246 | $ 26,959,000 | $ 109,589 | $ 69,186 |
| Allentown-Bethlehem-Easton, PA-NJ | 244 | $ 40,908,000 | $ 167,655 | $ 74,319 |
| Stockton, CA | 241 | $ 61,625,000 | $ 255,705 | $ 100,000 |
| Louisville-Jefferson County, KY-IN | 240 | $ 32,439,000 | $ 135,162 | $ 66,825 |
| Lexington-Fayette, KY | 238 | $ 28,466,000 | $ 119,605 | $ 74,000 |
| Modesto, CA | 236 | $ 53,918,000 | $ 228,466 | $ 104,000 |
| Salem, OR | 231 | $ 40,387,000 | $ 174,835 | $ 75,000 |
| Santa Fe, NM | 230 | $ 51,064,000 | $ 222,017 | $ 114,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 227 | $ 20,902,000 | $ 92,079 | $ 53,220 |
| Prescott, AZ | 225 | $ 48,347,000 | $ 214,875 | $ 105,000 |
| Ocala, FL | 224 | $ 33,602,000 | $ 150,008 | $ 72,000 |
| Lincoln, NE | 223 | $ 27,135,000 | $ 121,681 | $ 65,000 |
| Elkhart-Goshen, IN | 219 | $ 23,426,000 | $ 106,968 | $ 57,000 |
| Olympia, WA | 211 | $ 38,271,000 | $ 181,379 | $ 92,000 |
| Shreveport-Bossier City, LA | 211 | $ 23,905,000 | $ 113,293 | $ 55,000 |
| Muskegon-Norton Shores, MI | 206 | $ 20,551,000 | $ 99,762 | $ 47,000 |
| El Paso, TX | 205 | $ 25,172,000 | $ 122,790 | $ 75,000 |
| Vallejo-Fairfield, CA | 202 | $ 60,175,000 | $ 297,896 | $ 104,000 |
| Idaho Falls, ID | 198 | $ 26,457,000 | $ 133,621 | $ 67,000 |
| Monroe, MI | 198 | $ 27,396,000 | $ 138,363 | $ 64,000 |
| Cambridge-Newton-Framingham, MA | 194 | $ 45,807,000 | $ 236,118 | $ 102,000 |
| Gary, IN | 193 | $ 24,831,000 | $ 128,658 | $ 66,000 |
| Reno-Sparks, NV | 193 | $ 47,410,000 | $ 245,647 | $ 144,000 |
| Greenville, SC | 192 | $ 24,918,000 | $ 129,781 | $ 86,000 |
| Reading, PA | 192 | $ 23,314,000 | $ 121,427 | $ 69,000 |
| St. George, UT | 190 | $ 35,519,000 | $ 186,942 | $ 95,000 |
| Essex County, MA | 187 | $ 42,501,000 | $ 227,278 | $ 94,000 |
| Worcester, MA | 184 | $ 37,352,000 | $ 203,000 | $ 76,000 |
| Milwaukee-Waukesha-West Allis, WI | 183 | $ 30,725,000 | $ 167,896 | $ 85,000 |
| Rockingham County-Strafford County, NH | 183 | $ 37,576,000 | $ 205,333 | $ 84,000 |
| Cedar Rapids, IA | 181 | $ 21,588,000 | $ 119,270 | $ 58,000 |
| Boulder, CO | 178 | $ 40,930,000 | $ 229,943 | $ 115,000 |
| Madison, WI | 174 | $ 30,959,000 | $ 177,925 | $ 75,000 |
| Little Rock-North Little Rock, AR | 173 | $ 24,002,000 | $ 138,739 | $ 79,000 |
| Macon, GA | 170 | $ 22,614,000 | $ 133,023 | $ 59,000 |
| Sebastian-Vero Beach, FL | 169 | $ 27,010,000 | $ 159,822 | $ 94,000 |
| Atlantic City, NJ | 166 | $ 35,049,000 | $ 211,138 | $ 108,000 |
| Green Bay, WI | 166 | $ 22,702,000 | $ 136,759 | $ 66,000 |
| Battle Creek, MI | 165 | $ 15,923,000 | $ 96,503 | $ 69,000 |
| Kalamazoo-Portage, MI | 164 | $ 17,837,000 | $ 108,762 | $ 59,000 |
| Hagerstown-Martinsburg, MD-WV | 162 | $ 29,307,000 | $ 180,907 | $ 71,765 |
| Columbia, MO | 161 | $ 19,182,000 | $ 119,142 | $ 66,000 |
| Lancaster, PA | 159 | $ 24,602,000 | $ 154,729 | $ 69,000 |
| Portland-South Portland-Biddeford, ME | 158 | $ 30,725,000 | $ 194,462 | $ 89,000 |
| Punta Gorda, FL | 158 | $ 27,887,000 | $ 176,500 | $ 87,000 |
| Wichita, KS | 154 | $ 15,226,000 | $ 98,870 | $ 60,000 |
| Augusta-Richmond County, GA-SC | 153 | $ 18,194,000 | $ 118,915 | $ 53,941 |
| McAllen-Edinburg-Mission, TX | 150 | $ 20,181,000 | $ 134,540 | $ 81,000 |
| Grand Junction, CO | 149 | $ 24,769,000 | $ 166,234 | $ 106,000 |
| Yakima, WA | 147 | $ 17,237,000 | $ 117,258 | $ 83,000 |
| Bend, OR | 145 | $ 33,459,000 | $ 230,751 | $ 168,000 |
| Eugene-Springfield, OR | 143 | $ 22,255,000 | $ 155,629 | $ 76,000 |
| Buffalo-Niagara Falls, NY | 142 | $ 14,816,000 | $ 104,338 | $ 62,000 |
| Duluth, MN-WI | 138 | $ 18,073,000 | $ 130,963 | $ 64,072 |
| Greenville, NC | 134 | $ 17,586,000 | $ 131,238 | $ 62,000 |
| Redding, CA | 134 | $ 24,142,000 | $ 180,164 | $ 86,000 |
| Rochester, NY | 134 | $ 14,088,000 | $ 105,134 | $ 71,000 |
| Savannah, GA | 134 | $ 23,572,000 | $ 175,910 | $ 132,000 |
| Columbus, GA-AL | 132 | $ 17,012,000 | $ 128,878 | $ 62,250 |
| Pocatello, ID | 132 | $ 14,427,000 | $ 109,295 | $ 66,000 |
| Topeka, KS | 132 | $ 15,350,000 | $ 116,287 | $ 69,000 |
| York-Hanover, PA | 130 | $ 21,540,000 | $ 165,692 | $ 78,000 |
| Fort Collins-Loveland, CO | 125 | $ 20,877,000 | $ 167,016 | $ 84,000 |
| Charleston, WV | 124 | $ 12,967,000 | $ 104,572 | $ 53,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 123 | $ 17,317,000 | $ 140,788 | $ 84,048 |
| Trenton-Ewing, NJ | 123 | $ 24,773,000 | $ 201,406 | $ 100,000 |
| Coeur D'Alene, ID | 121 | $ 21,093,000 | $ 174,322 | $ 80,000 |
| Norwich-New London, CT | 116 | $ 21,402,000 | $ 184,500 | $ 89,000 |
| Longview, WA | 115 | $ 15,580,000 | $ 135,478 | $ 67,000 |
| Youngstown-Warren-Boardman, OH-PA | 115 | $ 11,107,000 | $ 96,582 | $ 51,739 |
| Mount Vernon-Anacortes, WA | 114 | $ 22,764,000 | $ 199,684 | $ 93,000 |
| Bloomington, IN | 113 | $ 13,194,000 | $ 116,761 | $ 54,000 |
| Brownsville-Harlingen, TX | 111 | $ 16,755,000 | $ 150,945 | $ 97,000 |
| Greeley, CO | 111 | $ 19,698,000 | $ 177,459 | $ 87,000 |
| Mansfield, OH | 111 | $ 11,023,000 | $ 99,306 | $ 58,000 |
| Visalia-Porterville, CA | 111 | $ 21,799,000 | $ 196,387 | $ 78,000 |
| Anniston-Oxford, AL | 110 | $ 15,226,000 | $ 138,418 | $ 58,000 |
| Canton-Massillon, OH | 110 | $ 11,534,000 | $ 104,854 | $ 57,000 |
| Manchester-Nashua, NH | 110 | $ 21,628,000 | $ 196,618 | $ 88,000 |
| Gainesville, GA | 108 | $ 20,653,000 | $ 191,231 | $ 86,000 |
| Chico, CA | 107 | $ 22,790,000 | $ 212,990 | $ 109,000 |
| Gainesville, FL | 102 | $ 13,918,000 | $ 136,450 | $ 81,000 |
| Wilmington, NC | 101 | $ 19,057,000 | $ 188,683 | $ 111,000 |
| San Luis Obispo-Paso Robles, CA | 97 | $ 29,827,000 | $ 307,494 | $ 125,000 |
| Bay City, MI | 96 | $ 8,848,000 | $ 92,166 | $ 49,000 |
| Albany, GA | 95 | $ 12,644,000 | $ 133,094 | $ 59,000 |
| Clarksville, TN-KY | 95 | $ 9,462,000 | $ 99,600 | $ 54,252 |
| Springfield, MA | 95 | $ 15,122,000 | $ 159,178 | $ 66,000 |
| Knoxville, TN | 94 | $ 14,841,000 | $ 157,882 | $ 73,000 |
| Medford, OR | 94 | $ 20,598,000 | $ 219,127 | $ 123,000 |
| Chattanooga, TN-GA | 93 | $ 11,847,000 | $ 127,387 | $ 73,494 |
| Montgomery, AL | 93 | $ 14,467,000 | $ 155,559 | $ 75,000 |
| Springfield, OH | 93 | $ 9,006,000 | $ 96,838 | $ 47,000 |
| Syracuse, NY | 93 | $ 9,517,000 | $ 102,333 | $ 73,000 |
| Beaumont-Port Arthur, TX | 92 | $ 8,836,000 | $ 96,043 | $ 54,000 |
| Harrisburg-Carlisle, PA | 91 | $ 12,134,000 | $ 133,340 | $ 65,000 |
| Jackson, MS | 91 | $ 10,792,000 | $ 118,593 | $ 60,000 |
| Salinas, CA | 88 | $ 32,864,000 | $ 373,454 | $ 154,000 |
| Santa Rosa-Petaluma, CA | 88 | $ 26,271,000 | $ 298,534 | $ 165,000 |
| Kingsport-Bristol-Bristol, TN-VA | 87 | $ 11,491,000 | $ 132,080 | $ 62,252 |
| Wenatchee, WA | 87 | $ 14,164,000 | $ 162,804 | $ 103,000 |
| Greensboro-High Point, NC | 86 | $ 12,042,000 | $ 140,023 | $ 74,000 |
| Binghamton, NY | 85 | $ 7,735,000 | $ 91,000 | $ 55,000 |
| Corpus Christi, TX | 85 | $ 10,554,000 | $ 124,164 | $ 101,000 |
| Bellingham, WA | 81 | $ 17,085,000 | $ 210,925 | $ 83,000 |
| Kingston, NY | 81 | $ 15,551,000 | $ 191,987 | $ 85,000 |
| Charlottesville, VA | 79 | $ 14,635,000 | $ 185,253 | $ 170,000 |
| Janesville, WI | 78 | $ 9,857,000 | $ 126,371 | $ 70,000 |
| Madera, CA | 78 | $ 16,773,000 | $ 215,038 | $ 85,000 |
| Pueblo, CO | 78 | $ 10,718,000 | $ 137,410 | $ 68,000 |
| Davenport-Moline-Rock Island, IA-IL | 77 | $ 8,134,000 | $ 105,636 | $ 54,181 |
| Johnson City, TN | 76 | $ 8,493,000 | $ 111,750 | $ 56,000 |
| Durham, NC | 74 | $ 11,472,000 | $ 155,027 | $ 81,000 |
| Mobile, AL | 74 | $ 10,181,000 | $ 137,581 | $ 84,000 |
| Scranton--Wilkes-Barre, PA | 74 | $ 8,132,000 | $ 109,891 | $ 67,000 |
| La Crosse, WI-MN | 73 | $ 10,164,000 | $ 139,232 | $ 61,972 |
| Appleton, WI | 72 | $ 8,572,000 | $ 119,055 | $ 58,000 |
| Logan, UT-ID | 72 | $ 10,222,000 | $ 141,972 | $ 64,333 |
| Niles-Benton Harbor, MI | 71 | $ 9,745,000 | $ 137,253 | $ 87,000 |
| Ocean City, NJ | 71 | $ 24,385,000 | $ 343,450 | $ 191,000 |
| Wausau, WI | 71 | $ 8,232,000 | $ 115,943 | $ 50,000 |
| Killeen-Temple-Fort Hood, TX | 70 | $ 9,342,000 | $ 133,457 | $ 72,000 |
| Joplin, MO | 69 | $ 6,395,000 | $ 92,681 | $ 61,000 |
| Farmington, NM | 67 | $ 9,075,000 | $ 135,447 | $ 86,000 |
| Santa Barbara-Santa Maria, CA | 66 | $ 21,293,000 | $ 322,621 | $ 111,000 |
| Erie, PA | 65 | $ 6,415,000 | $ 98,692 | $ 54,000 |
| Flagstaff, AZ | 65 | $ 14,549,000 | $ 223,830 | $ 143,000 |
| El Centro, CA | 64 | $ 11,277,000 | $ 176,203 | $ 72,000 |
| Tuscaloosa, AL | 63 | $ 7,469,000 | $ 118,555 | $ 72,000 |
| Hattiesburg, MS | 59 | $ 5,243,000 | $ 88,864 | $ 42,000 |
| Ames, IA | 58 | $ 6,634,000 | $ 114,379 | $ 58,000 |
| Owensboro, KY | 58 | $ 4,349,000 | $ 74,982 | $ 39,000 |
| Peoria, IL | 58 | $ 5,183,000 | $ 89,362 | $ 47,000 |
| Vineland-Millville-Bridgeton, NJ | 58 | $ 9,206,000 | $ 158,724 | $ 67,000 |
| Merced, CA | 57 | $ 12,961,000 | $ 227,385 | $ 101,000 |
| Asheville, NC | 56 | $ 7,728,000 | $ 138,000 | $ 89,000 |
| Hanford-Corcoran, CA | 56 | $ 12,252,000 | $ 218,785 | $ 75,000 |
| Hickory-Lenoir-Morganton, NC | 56 | $ 6,931,000 | $ 123,767 | $ 70,000 |
| Jackson, TN | 56 | $ 5,833,000 | $ 104,160 | $ 54,000 |
| Roanoke, VA | 56 | $ 8,213,000 | $ 146,660 | $ 65,000 |
| Sandusky, OH | 56 | $ 6,460,000 | $ 115,357 | $ 73,000 |
| Spartanburg, SC | 55 | $ 6,510,000 | $ 118,363 | $ 85,000 |
| Barnstable Town, MA | 52 | $ 12,830,000 | $ 246,730 | $ 125,000 |
| Rockford, IL | 52 | $ 6,514,000 | $ 125,269 | $ 75,000 |
| Salisbury, MD | 52 | $ 7,682,000 | $ 147,730 | $ 71,000 |
| Anderson, SC | 51 | $ 6,956,000 | $ 136,392 | $ 69,000 |
| Burlington, NC | 51 | $ 5,387,000 | $ 105,627 | $ 56,000 |
| Huntsville, AL | 50 | $ 7,208,000 | $ 144,160 | $ 88,000 |
| Waterloo-Cedar Falls, IA | 50 | $ 5,853,000 | $ 117,060 | $ 58,000 |
| Houma-Bayou Cane-Thibodaux, LA | 49 | $ 6,253,000 | $ 127,612 | $ 69,000 |
| Sioux City, IA-NE-SD | 49 | $ 4,510,000 | $ 92,040 | $ 48,571 |
| Sherman-Denison, TX | 48 | $ 6,274,000 | $ 130,708 | $ 88,000 |
| Utica-Rome, NY | 48 | $ 4,768,000 | $ 99,333 | $ 67,000 |
| Warner Robins, GA | 48 | $ 6,683,000 | $ 139,229 | $ 57,000 |
| Columbus, IN | 47 | $ 4,556,000 | $ 96,936 | $ 43,000 |
| Dover, DE | 45 | $ 8,285,000 | $ 184,111 | $ 71,000 |
| College Station-Bryan, TX | 44 | $ 6,257,000 | $ 142,204 | $ 120,000 |
| Las Cruces, NM | 44 | $ 7,939,000 | $ 180,431 | $ 87,000 |
| Fayetteville, NC | 43 | $ 3,544,000 | $ 82,418 | $ 98,000 |
| Fort Smith, AR-OK | 43 | $ 3,834,000 | $ 89,162 | $ 95,279 |
| Jefferson City, MO | 43 | $ 3,993,000 | $ 92,860 | $ 44,000 |
| Santa Cruz-Watsonville, CA | 43 | $ 15,350,000 | $ 356,976 | $ 111,000 |
| Elmira, NY | 42 | $ 3,233,000 | $ 76,976 | $ 58,000 |
| Glens Falls, NY | 42 | $ 6,076,000 | $ 144,666 | $ 72,000 |
| Laredo, TX | 42 | $ 5,048,000 | $ 120,190 | $ 70,000 |
| Yuba City, CA | 42 | $ 8,033,000 | $ 191,261 | $ 73,000 |
| Johnstown, PA | 41 | $ 3,218,000 | $ 78,487 | $ 44,000 |
| Auburn-Opelika, AL | 40 | $ 5,601,000 | $ 140,025 | $ 71,000 |
| Burlington-South Burlington, VT | 40 | $ 6,176,000 | $ 154,400 | $ 64,000 |
| Dothan, AL | 40 | $ 4,854,000 | $ 121,350 | $ 81,000 |
| Florence, SC | 39 | $ 5,652,000 | $ 144,923 | $ 80,000 |
| Lafayette, LA | 39 | $ 6,129,000 | $ 157,153 | $ 84,000 |
| Lynchburg, VA | 39 | $ 5,482,000 | $ 140,564 | $ 69,000 |
| Michigan City-La Porte, IN | 39 | $ 5,261,000 | $ 134,897 | $ 66,000 |
| Racine, WI | 38 | $ 5,114,000 | $ 134,578 | $ 67,000 |
| Oshkosh-Neenah, WI | 37 | $ 4,409,000 | $ 119,162 | $ 60,000 |
| Weirton-Steubenville, WV-OH | 36 | $ 3,165,000 | $ 87,916 | $ 52,000 |
| Gulfport-Biloxi, MS | 34 | $ 4,872,000 | $ 143,294 | $ 137,000 |
| Napa, CA | 34 | $ 12,030,000 | $ 353,823 | $ 152,000 |
| Waco, TX | 34 | $ 3,841,000 | $ 112,970 | $ 95,000 |
| Yuma, AZ | 33 | $ 5,070,000 | $ 153,636 | $ 146,000 |
| Dubuque, IA | 32 | $ 3,372,000 | $ 105,375 | $ 46,000 |
| Winston-Salem, NC | 32 | $ 3,693,000 | $ 115,406 | $ 54,000 |
| Longview, TX | 31 | $ 3,907,000 | $ 126,032 | $ 68,000 |
| Athens-Clarke County, GA | 30 | $ 4,505,000 | $ 150,166 | $ 55,000 |
| Tyler, TX | 30 | $ 4,347,000 | $ 144,900 | $ 82,000 |
| Anderson, IN | 29 | $ 2,824,000 | $ 97,379 | $ 51,000 |
| Lake Charles, LA | 29 | $ 3,249,000 | $ 112,034 | $ 55,000 |
| Wheeling, WV-OH | 29 | $ 2,358,000 | $ 81,310 | $ 52,517 |
| Blacksburg-Christiansburg-Radford, VA | 28 | $ 2,919,000 | $ 104,250 | $ 68,000 |
| Corvallis, OR | 27 | $ 5,209,000 | $ 192,925 | $ 97,000 |
| Lubbock, TX | 27 | $ 2,992,000 | $ 110,814 | $ 115,000 |
| Winchester, VA-WV | 26 | $ 5,452,000 | $ 209,692 | $ 69,346 |
| Bangor, ME | 25 | $ 2,895,000 | $ 115,800 | $ 50,000 |
| Champaign-Urbana, IL | 25 | $ 2,433,000 | $ 97,320 | $ 109,000 |
| Hot Springs, AR | 24 | $ 3,836,000 | $ 159,833 | $ 81,000 |
| Lebanon, PA | 24 | $ 3,605,000 | $ 150,208 | $ 75,000 |
| Springfield, IL | 24 | $ 2,270,000 | $ 94,583 | $ 57,000 |
| Valdosta, GA | 24 | $ 2,750,000 | $ 114,583 | $ 57,000 |
| Iowa City, IA | 23 | $ 2,756,000 | $ 119,826 | $ 51,000 |
| Victoria, TX | 23 | $ 2,789,000 | $ 121,260 | $ 84,000 |
| Cleveland, TN | 21 | $ 3,511,000 | $ 167,190 | $ 72,000 |
| Fairbanks, AK | 21 | $ 3,145,000 | $ 149,761 | $ 73,000 |
| Lafayette, IN | 21 | $ 2,504,000 | $ 119,238 | $ 89,000 |
| Lawrence, KS | 21 | $ 3,370,000 | $ 160,476 | $ 95,000 |
| Lima, OH | 21 | $ 1,845,000 | $ 87,857 | $ 56,000 |
| Morristown, TN | 21 | $ 2,842,000 | $ 135,333 | $ 84,000 |
| Sumter, SC | 21 | $ 2,571,000 | $ 122,428 | $ 49,000 |
| Carson City, NV | 20 | $ 3,989,000 | $ 199,450 | $ 78,000 |
| Gadsden, AL | 20 | $ 2,819,000 | $ 140,950 | $ 65,000 |
| Midland, TX | 20 | $ 2,453,000 | $ 122,650 | $ 72,000 |
| Muncie, IN | 20 | $ 1,391,000 | $ 69,550 | $ 64,000 |
| Pittsfield, MA | 19 | $ 3,227,000 | $ 169,842 | $ 106,000 |
| Amarillo, TX | 18 | $ 2,355,000 | $ 130,833 | $ 79,000 |
| Eau Claire, WI | 18 | $ 2,163,000 | $ 120,166 | $ 52,000 |
| Danville, VA | 17 | $ 1,695,000 | $ 99,705 | $ 48,000 |
| Lewiston-Auburn, ME | 17 | $ 2,389,000 | $ 140,529 | $ 62,000 |
| Missoula, MT | 17 | $ 3,378,000 | $ 198,705 | $ 125,000 |
| St. Joseph, MO-KS | 17 | $ 2,183,000 | $ 128,411 | $ 64,058 |
| Brunswick, GA | 16 | $ 2,887,000 | $ 180,437 | $ 97,000 |
| Danville, IL | 16 | $ 765,000 | $ 47,812 | $ 75,000 |
| Harrisonburg, VA | 16 | $ 3,305,000 | $ 206,562 | $ 91,000 |
| Pine Bluff, AR | 16 | $ 1,375,000 | $ 85,937 | $ 38,000 |
| Cheyenne, WY | 15 | $ 1,956,000 | $ 130,400 | $ 77,000 |
| Dalton, GA | 15 | $ 1,835,000 | $ 122,333 | $ 80,000 |
| State College, PA | 15 | $ 2,113,000 | $ 140,866 | $ 60,000 |
| Rome, GA | 14 | $ 1,292,000 | $ 92,285 | $ 62,000 |
| Sioux Falls, SD | 14 | $ 1,724,000 | $ 123,142 | $ 75,000 |
| Altoona, PA | 13 | $ 1,120,000 | $ 86,153 | $ 43,000 |
| Cumberland, MD-WV | 13 | $ 1,242,000 | $ 95,538 | $ 68,000 |
| Fond Du Lac, WI | 13 | $ 1,516,000 | $ 116,615 | $ 53,000 |
| Kokomo, IN | 13 | $ 1,045,000 | $ 80,384 | $ 51,000 |
| Wichita Falls, TX | 13 | $ 1,351,000 | $ 103,923 | $ 60,000 |
| Jacksonville, NC | 12 | $ 1,701,000 | $ 141,750 | $ 60,000 |
| Kankakee-Bradley, IL | 12 | $ 1,681,000 | $ 140,083 | $ 52,000 |
| Williamsport, PA | 12 | $ 1,007,000 | $ 83,916 | $ 38,000 |
| Hinesville-Fort Stewart, GA | 11 | $ 1,110,000 | $ 100,909 | $ 50,000 |
| Lewiston, ID-WA | 11 | $ 1,163,000 | $ 105,727 | $ 51,363 |
| Billings, MT | 10 | $ 1,113,000 | $ 111,300 | $ 50,000 |
| Elizabethtown, KY | 10 | $ 1,094,000 | $ 109,400 | $ 64,000 |
| Florence-Muscle Shoals, AL | 10 | $ 1,213,000 | $ 121,300 | $ 44,000 |
| Monroe, LA | 10 | $ 1,220,000 | $ 122,000 | $ 76,000 |
| Rochester, MN | 10 | $ 1,613,000 | $ 161,300 | $ 84,000 |
| Rocky Mount, NC | 10 | $ 1,297,000 | $ 129,700 | $ 54,000 |
| Alexandria, LA | 9 | $ 1,330,000 | $ 147,777 | $ 74,000 |
| Decatur, AL | 9 | $ 810,000 | $ 90,000 | $ 54,000 |
| Goldsboro, NC | 9 | $ 1,182,000 | $ 131,333 | $ 59,000 |
| San Angelo, TX | 9 | $ 930,000 | $ 103,333 | $ 94,000 |
| Abilene, TX | 8 | $ 953,000 | $ 119,125 | $ 101,000 |
| Jonesboro, AR | 8 | $ 842,000 | $ 105,250 | $ 62,000 |
| Odessa, TX | 8 | $ 696,000 | $ 87,000 | $ 57,000 |
| Pascagoula, MS | 8 | $ 842,000 | $ 105,250 | $ 44,000 |
| Casper, WY | 7 | $ 933,000 | $ 133,285 | $ 76,000 |
| Decatur, IL | 7 | $ 820,000 | $ 117,142 | $ 93,000 |
| Fargo, ND-MN | 7 | $ 634,000 | $ 90,571 | $ 65,428 |
| Ithaca, NY | 7 | $ 901,000 | $ 128,714 | $ 57,000 |
| Lawton, OK | 7 | $ 635,000 | $ 90,714 | $ 48,000 |
| St. Cloud, MN | 6 | $ 1,051,000 | $ 175,166 | $ 50,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 718,000 | $ 119,666 | $ 62,833 |
| Bloomington-Normal, IL | 5 | $ 996,000 | $ 199,200 | $ 85,000 |
| Bowling Green, KY | 5 | $ 897,000 | $ 179,400 | $ 71,000 |
| Terre Haute, IN | 5 | $ 384,000 | $ 76,800 | $ 44,000 |
| Grand Forks, ND-MN | 4 | $ 439,000 | $ 109,750 | $ 50,500 |
| Sheboygan, WI | 4 | $ 536,000 | $ 134,000 | $ 47,000 |
| Great Falls, MT | 2 | $ 255,000 | $ 127,500 | $ 44,000 |
| Morgantown, WV | 2 | $ 335,000 | $ 167,500 | $ 110,000 |
| Bismarck, ND | 1 | $ 185,000 | $ 185,000 | $ 82,000 |
| Rapid City, SD | 1 | $ 140,000 | $ 140,000 | $ 68,000 |
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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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