Fleet National Bank Mortgage Lending & HMDA Data, 2004

In 2004, Fleet National Bank of Charlotte, NC reported 72,278 mortgage applications totaling $10.0 billion, down 73% from 2003. The average application was for $138,439, and applicants reported an average income of $78,791. 60% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Edison, NJ (6,868), Newark-Union, NJ-PA (4,942) and Nassau-Suffolk, NY (4,514) (applications in parentheses).

Mortgage Company & Address Fleet National Bank
525 N Tryon St Nc1-023-06-04
Charlotte, NC 28255
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 72,278
Total Mortgage Loan Application Amount $10,006,105,000
Average Mortgage Loan Application Amount $138,439
Highest Mortgage Loan Application Amount $7,600,000
Average Applicant Income $78,791
Highest Applicant Income $6,511,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fleet National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Fleet National Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Suffolk, New York 2,529 $ 397,478,000 $ 157,168 $ 101,000
Bergen, New Jersey 2,233 $ 367,906,000 $ 164,758 $ 96,000
Middlesex, New Jersey 2,182 $ 300,347,000 $ 137,647 $ 78,000
Middlesex, Massachusetts 2,149 $ 368,196,000 $ 171,333 $ 88,000
Nassau, New York 1,985 $ 356,858,000 $ 179,777 $ 101,000
Ocean, New Jersey 1,938 $ 240,941,000 $ 124,324 $ 87,000
Hartford, Connecticut 1,876 $ 218,484,000 $ 116,462 $ 64,000
New Haven, Connecticut 1,742 $ 212,701,000 $ 122,101 $ 69,000
Monmouth, New Jersey 1,715 $ 268,960,000 $ 156,827 $ 101,000
Worcester, Massachusetts 1,660 $ 223,883,000 $ 134,869 $ 67,000
Essex, New Jersey 1,626 $ 259,018,000 $ 159,297 $ 83,000
Providence, Rhode Island 1,601 $ 203,196,000 $ 126,918 $ 57,000
Fairfield, Connecticut 1,486 $ 241,246,000 $ 162,345 $ 81,000
Union, New Jersey 1,433 $ 217,900,000 $ 152,058 $ 89,000
Hampden, Massachusetts 1,422 $ 135,424,000 $ 95,234 $ 57,000
Queens, New York 1,415 $ 229,023,000 $ 161,853 $ 80,000
Suffolk, Massachusetts 1,368 $ 226,669,000 $ 165,693 $ 82,000
Hudson, New Jersey 1,340 $ 214,672,000 $ 160,202 $ 87,000
Atlantic, New Jersey 1,270 $ 133,527,000 $ 105,139 $ 60,000
Bristol, Massachusetts 1,250 $ 161,815,000 $ 129,452 $ 67,000
Morris, New Jersey 1,223 $ 201,037,000 $ 164,380 $ 104,000
Norfolk, Massachusetts 1,150 $ 196,857,000 $ 171,180 $ 94,000
Philadelphia, Pennsylvania 1,130 $ 78,269,000 $ 69,264 $ 48,000
Essex, Massachusetts 1,052 $ 171,063,000 $ 162,607 $ 76,000
Somerset, New Jersey 1,033 $ 161,830,000 $ 156,660 $ 98,000
Camden, New Jersey 1,011 $ 78,188,000 $ 77,337 $ 57,000
Burlington, New Jersey 988 $ 99,527,000 $ 100,735 $ 70,000
Plymouth, Massachusetts 849 $ 134,328,000 $ 158,219 $ 86,000
Erie, New York 831 $ 54,032,000 $ 65,020 $ 45,000
Mercer, New Jersey 829 $ 105,214,000 $ 126,916 $ 82,000
Kings, New York 828 $ 141,382,000 $ 170,751 $ 79,000
Passaic, New Jersey 773 $ 109,112,000 $ 141,153 $ 77,000
Monroe, New York 742 $ 64,829,000 $ 87,370 $ 60,000
Cumberland, Maine 733 $ 119,730,000 $ 163,342 $ 90,000
Westchester, New York 681 $ 130,617,000 $ 191,801 $ 101,000
Bucks, Pennsylvania 623 $ 71,423,000 $ 114,643 $ 116,000
Orange, New York 613 $ 74,081,000 $ 120,849 $ 72,000
Hillsborough, New Hampshire 556 $ 75,889,000 $ 136,491 $ 84,000
Cape May, New Jersey 541 $ 71,397,000 $ 131,972 $ 86,000
Montgomery, Pennsylvania 523 $ 75,786,000 $ 144,906 $ 82,000
Gloucester, New Jersey 506 $ 46,806,000 $ 92,501 $ 67,000
Rockingham, New Hampshire 486 $ 67,498,000 $ 138,884 $ 79,000
Cumberland, New Jersey 464 $ 31,871,000 $ 68,687 $ 48,000
New London, Connecticut 463 $ 53,185,000 $ 114,870 $ 71,000
York, Maine 459 $ 61,562,000 $ 134,122 $ 67,000
Richmond, New York 444 $ 68,205,000 $ 153,614 $ 71,000
Onondaga, New York 440 $ 31,276,000 $ 71,081 $ 55,000
Barnstable, Massachusetts 430 $ 70,022,000 $ 162,841 $ 90,000
Bronx, New York 425 $ 53,609,000 $ 126,138 $ 68,000
Palm Beach, Florida 419 $ 69,005,000 $ 164,689 $ 94,000
Hunterdon, New Jersey 398 $ 71,419,000 $ 179,444 $ 121,000
Northampton, Pennsylvania 374 $ 39,381,000 $ 105,296 $ 70,000
Penobscot, Maine 365 $ 32,391,000 $ 88,742 $ 65,000
Litchfield, Connecticut 360 $ 43,041,000 $ 119,558 $ 90,000
Androscoggin, Maine 351 $ 33,299,000 $ 94,868 $ 78,000
Middlesex, Connecticut 337 $ 48,429,000 $ 143,706 $ 87,000
Kent, Rhode Island 310 $ 42,207,000 $ 136,151 $ 84,000
Kennebec, Maine 303 $ 26,734,000 $ 88,231 $ 65,000
Oneida, New York 302 $ 18,717,000 $ 61,976 $ 56,000
New York, New York 290 $ 90,416,000 $ 311,779 $ 152,000
Luzerne, Pennsylvania 290 $ 18,883,000 $ 65,113 $ 47,000
Albany, New York 285 $ 28,766,000 $ 100,933 $ 71,000
Delaware, Pennsylvania 266 $ 29,669,000 $ 111,537 $ 127,000
Hampshire, Massachusetts 264 $ 32,444,000 $ 122,893 $ 88,000
Warren, New Jersey 264 $ 33,817,000 $ 128,094 $ 85,000
Sussex, New Jersey 262 $ 36,824,000 $ 140,549 $ 91,000
Niagara, New York 258 $ 16,354,000 $ 63,387 $ 165,000
Lehigh, Pennsylvania 254 $ 23,153,000 $ 91,153 $ 65,000
Ulster, New York 251 $ 24,863,000 $ 99,055 $ 72,000
Washington, Rhode Island 245 $ 41,745,000 $ 170,387 $ 108,000
Broward, Florida 237 $ 35,128,000 $ 148,219 $ 77,000
Schenectady, New York 237 $ 18,333,000 $ 77,354 $ 54,000
Saratoga, New York 225 $ 29,771,000 $ 132,315 $ 81,000
Tolland, Connecticut 213 $ 26,149,000 $ 122,765 $ 111,000
Windham, Connecticut 208 $ 21,883,000 $ 105,206 $ 63,000
Rensselaer, New York 189 $ 14,133,000 $ 74,777 $ 67,000
Rockland, New York 189 $ 31,639,000 $ 167,402 $ 99,000
Sullivan, New York 188 $ 15,551,000 $ 82,718 $ 81,000
Miami-Dade, Florida 182 $ 37,299,000 $ 204,939 $ 118,000
Los Angeles, California 170 $ 63,832,000 $ 375,482 $ 55,000
Berks, Pennsylvania 168 $ 13,004,000 $ 77,404 $ 67,000
Dutchess, New York 167 $ 22,828,000 $ 136,694 $ 93,000
Newport, Rhode Island 160 $ 33,751,000 $ 210,943 $ 87,000
Monroe, Pennsylvania 147 $ 16,057,000 $ 109,231 $ 74,000
Franklin, Massachusetts 144 $ 14,452,000 $ 100,361 $ 67,000
Merrimack, New Hampshire 136 $ 15,955,000 $ 117,316 $ 67,000
Strafford, New Hampshire 135 $ 15,526,000 $ 115,007 $ 68,000
Chester, Pennsylvania 132 $ 26,173,000 $ 198,280 $ 109,000
Oswego, New York 130 $ 6,411,000 $ 49,315 $ 47,000
Lancaster, Pennsylvania 122 $ 11,866,000 $ 97,262 $ 49,000
Cayuga, New York 120 $ 6,153,000 $ 51,275 $ 57,000
Bristol, Rhode Island 118 $ 19,305,000 $ 163,601 $ 158,000
Herkimer, New York 117 $ 6,096,000 $ 52,102 $ 51,000
Carbon, Pennsylvania 101 $ 6,426,000 $ 63,623 $ 63,000
Nantucket, Massachusetts 97 $ 33,499,000 $ 345,350 $ 146,000
Columbia, New York 94 $ 8,352,000 $ 88,851 $ 114,000
Cheshire, New Hampshire 93 $ 10,318,000 $ 110,946 $ 71,000
Putnam, New York 92 $ 14,055,000 $ 152,771 $ 98,000
Ontario, New York 89 $ 6,896,000 $ 77,483 $ 68,000
Somerset, Maine 88 $ 6,030,000 $ 68,522 $ 46,000
Wayne, New York 88 $ 5,143,000 $ 58,443 $ 54,000
Warren, New York 86 $ 9,038,000 $ 105,093 $ 90,000
Allegheny, Pennsylvania 86 $ 7,564,000 $ 87,953 $ 46,000
Genesee, New York 84 $ 5,582,000 $ 66,452 $ 63,000
Greene, New York 80 $ 7,352,000 $ 91,900 $ 74,000
Orange, California 79 $ 33,658,000 $ 426,050 $ 71,000
Sagadahoc, Maine 79 $ 10,257,000 $ 129,835 $ 91,000
Lee, Florida 77 $ 11,665,000 $ 151,493 $ 101,000
Orange, Florida 76 $ 8,012,000 $ 105,421 $ 47,000
Cook, Illinois 76 $ 22,502,000 $ 296,078 $ 107,000
Grafton, New Hampshire 75 $ 11,309,000 $ 150,786 $ 132,000
Orleans, New York 74 $ 3,843,000 $ 51,932 $ 47,000
Knox, Maine 73 $ 9,733,000 $ 133,328 $ 93,000
Pike, Pennsylvania 72 $ 7,421,000 $ 103,069 $ 84,000
Lincoln, Maine 70 $ 10,614,000 $ 151,628 $ 90,000
Montgomery, New York 70 $ 3,896,000 $ 55,657 $ 66,000
Sarasota, Florida 67 $ 9,115,000 $ 136,044 $ 120,000
Waldo, Maine 65 $ 4,642,000 $ 71,415 $ 60,000
Hancock, Maine 64 $ 7,360,000 $ 115,000 $ 64,000
Lackawanna, Pennsylvania 64 $ 5,503,000 $ 85,984 $ 78,000
Fulton, New York 63 $ 4,259,000 $ 67,603 $ 58,000
Pinellas, Florida 61 $ 5,879,000 $ 96,377 $ 61,000
Oxford, Maine 61 $ 4,652,000 $ 76,262 $ 70,000
Osceola, Florida 59 $ 7,045,000 $ 119,406 $ 78,000
San Diego, California 58 $ 24,551,000 $ 423,293 $ 46,000
York, Pennsylvania 56 $ 3,675,000 $ 65,625 $ 40,000
Collier, Florida 55 $ 9,083,000 $ 165,145 $ 105,000
Brevard, Florida 53 $ 6,590,000 $ 124,339 $ 63,000
Belknap, New Hampshire 53 $ 5,815,000 $ 109,716 $ 74,000
Maricopa, Arizona 49 $ 12,033,000 $ 245,571 $ 95,000
Carroll, New Hampshire 48 $ 6,913,000 $ 144,020 $ 110,000
Madison, New York 48 $ 2,721,000 $ 56,687 $ 59,000
Berkshire, Massachusetts 47 $ 6,592,000 $ 140,255 $ 107,000
Hillsborough, Florida 46 $ 4,794,000 $ 104,217 $ 60,000
St. Lucie, Florida 46 $ 5,827,000 $ 126,673 $ 77,000
Wayne, Pennsylvania 45 $ 4,344,000 $ 96,533 $ 89,000
Manatee, Florida 44 $ 5,051,000 $ 114,795 $ 74,000
Clark, Nevada 43 $ 8,428,000 $ 196,000 $ 65,000
Polk, Florida 42 $ 3,846,000 $ 91,571 $ 88,000
Salem, New Jersey 41 $ 3,505,000 $ 85,487 $ 54,000
Seneca, New York 39 $ 2,629,000 $ 67,410 $ 52,000
Mecklenburg, North Carolina 38 $ 11,055,000 $ 290,921 $ 172,000
Schuylkill, Pennsylvania 38 $ 1,855,000 $ 48,815 $ 42,000
New Castle, Delaware 37 $ 5,313,000 $ 143,594 $ 64,000
Fairfax, Virginia 37 $ 13,388,000 $ 361,837 $ 97,000
Chautauqua, New York 36 $ 1,967,000 $ 54,638 $ 49,000
Schoharie, New York 36 $ 2,456,000 $ 68,222 $ 51,000
Santa Clara, California 35 $ 15,762,000 $ 450,342 $ 86,000
Washington, New York 35 $ 3,726,000 $ 106,457 $ 71,000
Volusia, Florida 34 $ 3,192,000 $ 93,882 $ 106,000
Baltimore City, Maryland 34 $ 1,913,000 $ 56,264 $ 81,000
Pasco, Florida 33 $ 3,172,000 $ 96,121 $ 75,000
Montgomery, Maryland 33 $ 10,243,000 $ 310,393 $ 98,000
Duval, Florida 32 $ 2,972,000 $ 92,875 $ 50,000
Dukes, Massachusetts 32 $ 11,061,000 $ 345,656 $ 303,000
Tompkins, New York 31 $ 2,626,000 $ 84,709 $ 63,000
Delaware, New York 29 $ 3,061,000 $ 105,551 $ 58,000
Livingston, New York 29 $ 2,283,000 $ 78,724 $ 51,000
Westmoreland, Pennsylvania 29 $ 2,350,000 $ 81,034 $ 32,000
Dauphin, Pennsylvania 26 $ 2,186,000 $ 84,076 $ 40,000
Broome, New York 25 $ 1,318,000 $ 52,720 $ 38,000
King, Washington 25 $ 9,326,000 $ 373,040 $ 52,000
Seminole, Florida 24 $ 3,405,000 $ 141,875 $ 80,000
Otsego, New York 24 $ 1,363,000 $ 56,791 $ 39,000
Erie, Pennsylvania 24 $ 1,826,000 $ 76,083 $ 23,000
Riverside, California 23 $ 6,486,000 $ 282,000 $ 80,000
District of Columbia, District Of Columbia 23 $ 8,579,000 $ 373,000 $ 119,000
Charlotte, Florida 23 $ 2,907,000 $ 126,391 $ 113,000
Franklin, Maine 23 $ 2,568,000 $ 111,652 $ 73,000
Coos, New Hampshire 23 $ 2,052,000 $ 89,217 $ 60,000
Cattaraugus, New York 23 $ 1,334,000 $ 58,000 $ 52,000
Wyoming, New York 23 $ 1,716,000 $ 74,608 $ 45,000
Windsor, Vermont 22 $ 3,818,000 $ 173,545 $ 183,000
Ventura, California 21 $ 8,717,000 $ 415,095 $ 37,000
DuPage, Illinois 21 $ 8,077,000 $ 384,619 $ 63,000
Piscataquis, Maine 21 $ 1,391,000 $ 66,238 $ 32,000
Prince George's, Maryland 21 $ 2,332,000 $ 111,047 $ 79,000
Hennepin, Minnesota 21 $ 4,428,000 $ 210,857 $ 48,000
San Bernardino, California 20 $ 3,925,000 $ 196,250 $ 85,000
Essex, New York 20 $ 2,066,000 $ 103,300 $ 78,000
Franklin, Pennsylvania 20 $ 1,424,000 $ 71,200 $ 25,000
Cortland, New York 19 $ 1,249,000 $ 65,736 $ 81,000
Jefferson, New York 19 $ 1,101,000 $ 57,947 $ 51,000
Contra Costa, California 18 $ 8,942,000 $ 496,777 $ 0
Windham, Vermont 18 $ 2,426,000 $ 134,777 $ 166,000
Oakland, Michigan 17 $ 5,672,000 $ 333,647 $ 33,000
Washington, Maine 16 $ 1,276,000 $ 79,750 $ 39,000
Baltimore, Maryland 16 $ 2,068,000 $ 129,250 $ 44,000
Sullivan, New Hampshire 16 $ 2,315,000 $ 144,687 $ 130,000
Chemung, New York 16 $ 713,000 $ 44,562 $ 69,000
Union, North Carolina 16 $ 4,344,000 $ 271,500 $ 102,000
Washington, Pennsylvania 16 $ 900,000 $ 56,250 $ 46,000
Harris, Texas 16 $ 4,344,000 $ 271,500 $ 84,000
Martin, Florida 15 $ 2,335,000 $ 155,666 $ 127,000
Fulton, Georgia 15 $ 5,086,000 $ 339,066 $ 59,000
Lake, Illinois 15 $ 4,870,000 $ 324,666 $ 37,000
Wayne, Michigan 15 $ 958,000 $ 63,866 $ 22,000
St. Louis, Missouri 15 $ 4,693,000 $ 312,866 $ 75,000
Multnomah, Oregon 15 $ 2,908,000 $ 193,866 $ 29,000
Pima, Arizona 14 $ 2,131,000 $ 152,214 $ 71,000
Fresno, California 14 $ 2,806,000 $ 200,428 $ 43,000
Sacramento, California 14 $ 3,811,000 $ 272,214 $ 46,000
San Francisco, California 14 $ 7,339,000 $ 524,214 $ 54,000
El Paso, Colorado 14 $ 1,088,000 $ 77,714 $ 35,000
Anne Arundel, Maryland 14 $ 1,414,000 $ 101,000 $ 45,000
Allegany, New York 14 $ 976,000 $ 69,714 $ 48,000
Cuyahoga, Ohio 14 $ 1,359,000 $ 97,071 $ 40,000
Franklin, Ohio 14 $ 1,986,000 $ 141,857 $ 64,000
Cumberland, Pennsylvania 14 $ 1,163,000 $ 83,071 $ 66,000
Horry, South Carolina 14 $ 1,623,000 $ 115,928 $ 84,000
Dallas, Texas 14 $ 5,058,000 $ 361,285 $ 289,000
Prince William, Virginia 14 $ 3,985,000 $ 284,642 $ 84,000
San Mateo, California 13 $ 10,218,000 $ 786,000 $ 466,000
St. Johns, Florida 13 $ 2,950,000 $ 226,923 $ 103,000
Lebanon, Pennsylvania 13 $ 1,305,000 $ 100,384 $ 185,000
Arlington, Virginia 13 $ 4,486,000 $ 345,076 $ 123,000
Alameda, California 12 $ 5,185,000 $ 432,083 $ 36,000
Citrus, Florida 12 $ 1,411,000 $ 117,583 $ 31,000
Flagler, Florida 12 $ 1,599,000 $ 133,250 $ 78,000
DeKalb, Georgia 12 $ 3,267,000 $ 272,250 $ 64,000
Chenango, New York 12 $ 736,000 $ 61,333 $ 45,000
Steuben, New York 12 $ 746,000 $ 62,166 $ 36,000
Bradford, Pennsylvania 12 $ 876,000 $ 73,000 $ 35,000
Columbia, Pennsylvania 12 $ 1,028,000 $ 85,666 $ 39,000
Kern, California 11 $ 1,203,000 $ 109,363 $ 27,000
Santa Cruz, California 11 $ 3,427,000 $ 311,545 $ 65,000
Indian River, Florida 11 $ 2,268,000 $ 206,181 $ 78,000
Marion, Florida 11 $ 1,485,000 $ 135,000 $ 127,000
Bernalillo, New Mexico 11 $ 2,044,000 $ 185,818 $ 106,000
Wake, North Carolina 11 $ 2,801,000 $ 254,636 $ 39,000
Adams, Pennsylvania 11 $ 1,063,000 $ 96,636 $ 74,000
Blair, Pennsylvania 11 $ 457,000 $ 41,545 $ 25,000
Butler, Pennsylvania 11 $ 900,000 $ 81,818 $ 16,000
Lycoming, Pennsylvania 11 $ 899,000 $ 81,727 $ 45,000
Northumberland, Pennsylvania 11 $ 684,000 $ 62,181 $ 41,000
Susquehanna, Pennsylvania 11 $ 911,000 $ 82,818 $ 40,000
Snohomish, Washington 11 $ 2,523,000 $ 229,363 $ 50,000
Escambia, Florida 10 $ 1,062,000 $ 106,200 $ 31,000
Aroostook, Maine 10 $ 675,000 $ 67,500 $ 33,000
Harford, Maryland 10 $ 1,001,000 $ 100,100 $ 37,000
Franklin, New York 10 $ 957,000 $ 95,700 $ 52,000
St. Lawrence, New York 10 $ 564,000 $ 56,400 $ 51,000
Tioga, New York 10 $ 771,000 $ 77,100 $ 71,000
Hamilton, Ohio 10 $ 1,256,000 $ 125,600 $ 28,000
Shelby, Tennessee 10 $ 740,000 $ 74,000 $ 39,000
Bennington, Vermont 10 $ 1,999,000 $ 199,900 $ 208,000
Chesapeake, Virginia 10 $ 867,000 $ 86,700 $ 44,000
Virginia Beach, Virginia 10 $ 1,251,000 $ 125,100 $ 73,000
Pierce, Washington 10 $ 1,756,000 $ 175,600 $ 44,000
Milwaukee, Wisconsin 10 $ 1,106,000 $ 110,600 $ 70,000
Hernando, Florida 9 $ 772,000 $ 85,777 $ 58,000
Lake, Florida 9 $ 913,000 $ 101,444 $ 71,000
Lake, Indiana 9 $ 1,107,000 $ 123,000 $ 29,000
Johnson, Kansas 9 $ 2,594,000 $ 288,222 $ 44,000
Howard, Maryland 9 $ 2,755,000 $ 306,111 $ 39,000
Oklahoma, Oklahoma 9 $ 1,387,000 $ 154,111 $ 63,000
Crawford, Pennsylvania 9 $ 639,000 $ 71,000 $ 41,000
Fayette, Pennsylvania 9 $ 459,000 $ 51,000 $ 24,000
Loudoun, Virginia 9 $ 3,480,000 $ 386,666 $ 73,000
Placer, California 8 $ 1,669,000 $ 208,625 $ 81,000
Tulare, California 8 $ 631,000 $ 78,875 $ 16,000
Arapahoe, Colorado 8 $ 2,607,000 $ 325,875 $ 42,000
Denver, Colorado 8 $ 2,364,000 $ 295,500 $ 53,000
Sumter, Florida 8 $ 1,016,000 $ 127,000 $ 120,000
Cobb, Georgia 8 $ 2,542,000 $ 317,750 $ 99,000
Kane, Illinois 8 $ 1,280,000 $ 160,000 $ 41,000
Orleans, Louisiana 8 $ 1,592,000 $ 199,000 $ 65,000
Macomb, Michigan 8 $ 1,701,000 $ 212,625 $ 24,000
Jackson, Missouri 8 $ 440,000 $ 55,000 $ 40,000
Schuyler, New York 8 $ 470,000 $ 58,750 $ 38,000
Yates, New York 8 $ 981,000 $ 122,625 $ 137,000
Montgomery, Ohio 8 $ 456,000 $ 57,000 $ 17,000
Beaver, Pennsylvania 8 $ 569,000 $ 71,125 $ 37,000
Knox, Tennessee 8 $ 675,000 $ 84,375 $ 21,000
Denton, Texas 8 $ 2,256,000 $ 282,000 $ 38,000
Chittenden, Vermont 8 $ 2,316,000 $ 289,500 $ 115,000
Chesterfield, Virginia 8 $ 477,000 $ 59,625 $ 36,000
Baldwin, Alabama 7 $ 2,896,000 $ 413,714 $ 147,000
Monterey, California 7 $ 2,457,000 $ 351,000 $ 12,000
San Joaquin, California 7 $ 1,436,000 $ 205,142 $ 13,000
Santa Barbara, California 7 $ 2,474,000 $ 353,428 $ 75,000
Sussex, Delaware 7 $ 1,043,000 $ 149,000 $ 50,000
Bay, Florida 7 $ 1,733,000 $ 247,571 $ 48,000
Monroe, Florida 7 $ 2,453,000 $ 350,428 $ 151,000
Walton, Florida 7 $ 1,905,000 $ 272,142 $ 32,000
Jefferson, Louisiana 7 $ 1,001,000 $ 143,000 $ 9,000
Washtenaw, Michigan 7 $ 3,092,000 $ 441,714 $ 26,000
Washoe, Nevada 7 $ 730,000 $ 104,285 $ 156,000
Lewis, New York 7 $ 416,000 $ 59,428 $ 45,000
Lucas, Ohio 7 $ 510,000 $ 72,857 $ 17,000
Cambria, Pennsylvania 7 $ 413,000 $ 59,000 $ 49,000
Centre, Pennsylvania 7 $ 487,000 $ 69,571 $ 84,000
Fulton, Pennsylvania 7 $ 555,000 $ 79,285 $ 27,000
Huntingdon, Pennsylvania 7 $ 823,000 $ 117,571 $ 58,000
Mifflin, Pennsylvania 7 $ 426,000 $ 60,857 $ 29,000
Beaufort, South Carolina 7 $ 1,299,000 $ 185,571 $ 75,000
Charleston, South Carolina 7 $ 2,198,000 $ 314,000 $ 188,000
Montgomery, Texas 7 $ 2,750,000 $ 392,857 $ 15,000
Yakima, Washington 7 $ 612,000 $ 87,428 $ 29,000
Coconino, Arizona 6 $ 1,510,000 $ 251,666 $ 129,000
Mohave, Arizona 6 $ 1,624,000 $ 270,666 $ 33,000
Marin, California 6 $ 2,437,000 $ 406,166 $ 20,000
San Luis Obispo, California 6 $ 3,466,000 $ 577,666 $ 0
Solano, California 6 $ 1,137,000 $ 189,500 $ 236,000
Stanislaus, California 6 $ 441,000 $ 73,500 $ 11,000
Leon, Florida 6 $ 777,000 $ 129,500 $ 42,000
Gwinnett, Georgia 6 $ 1,043,000 $ 173,833 $ 43,000
Will, Illinois 6 $ 1,358,000 $ 226,333 $ 29,000
Genesee, Michigan 6 $ 238,000 $ 39,666 $ 38,000
Greene, Missouri 6 $ 756,000 $ 126,000 $ 45,000
Santa Fe, New Mexico 6 $ 1,339,000 $ 223,166 $ 41,000
Brunswick, North Carolina 6 $ 1,441,000 $ 240,166 $ 57,000
Pitt, North Carolina 6 $ 270,000 $ 45,000 $ 51,000
Butler, Ohio 6 $ 667,000 $ 111,166 $ 127,000
Clearfield, Pennsylvania 6 $ 377,000 $ 62,833 $ 41,000
Lawrence, Pennsylvania 6 $ 339,000 $ 56,500 $ 76,000
Mercer, Pennsylvania 6 $ 551,000 $ 91,833 $ 70,000
Somerset, Pennsylvania 6 $ 489,000 $ 81,500 $ 19,000
Venango, Pennsylvania 6 $ 302,000 $ 50,333 $ 9,000
Georgetown, South Carolina 6 $ 305,000 $ 50,833 $ 182,000
Williamson, Texas 6 $ 1,952,000 $ 325,333 $ 58,000
Frederick, Virginia 6 $ 1,094,000 $ 182,333 $ 54,000
Portsmouth, Virginia 6 $ 795,000 $ 132,500 $ 20,000
Clay, Florida 5 $ 341,000 $ 68,200 $ 75,000
Highlands, Florida 5 $ 352,000 $ 70,400 $ 51,000
Cherokee, Georgia 5 $ 1,360,000 $ 272,000 $ 61,000
Sangamon, Illinois 5 $ 157,000 $ 31,400 $ 27,000
Marion, Indiana 5 $ 416,000 $ 83,200 $ 81,000
Miami, Kansas 5 $ 365,000 $ 73,000 $ 68,000
St. Tammany, Louisiana 5 $ 654,000 $ 130,800 $ 23,000
Carroll, Maryland 5 $ 940,000 $ 188,000 $ 83,000
Cecil, Maryland 5 $ 637,000 $ 127,400 $ 62,000
Charles, Maryland 5 $ 909,000 $ 181,800 $ 73,000
Kalamazoo, Michigan 5 $ 601,000 $ 120,200 $ 21,000
Stearns, Minnesota 5 $ 343,000 $ 68,600 $ 64,000
Cape Girardeau, Missouri 5 $ 419,000 $ 83,800 $ 42,000
St. Charles, Missouri 5 $ 839,000 $ 167,800 $ 21,000
Hamilton, New York 5 $ 368,000 $ 73,600 $ 222,000
Guilford, North Carolina 5 $ 887,000 $ 177,400 $ 184,000
Delaware, Ohio 5 $ 700,000 $ 140,000 $ 76,000
Elk, Pennsylvania 5 $ 283,000 $ 56,600 $ 37,000
Indiana, Pennsylvania 5 $ 360,000 $ 72,000 $ 44,000
Snyder, Pennsylvania 5 $ 283,000 $ 56,600 $ 57,000
Tioga, Pennsylvania 5 $ 238,000 $ 47,600 $ 52,000
Travis, Texas 5 $ 2,164,000 $ 432,800 $ 132,000
Washington, Vermont 5 $ 866,000 $ 173,200 $ 159,000
James City, Virginia 5 $ 1,032,000 $ 206,400 $ 137,000
Clark, Washington 5 $ 1,737,000 $ 347,400 $ 11,000
Spokane, Washington 5 $ 1,147,000 $ 229,400 $ 28,000
Dale, Alabama 4 $ 976,000 $ 244,000 $ 62,000
Jefferson, Alabama 4 $ 1,617,000 $ 404,250 $ 15,000
Nevada, California 4 $ 1,604,000 $ 401,000 $ 30,000
Douglas, Colorado 4 $ 1,434,000 $ 358,500 $ 23,000
Mesa, Colorado 4 $ 512,000 $ 128,000 $ 47,000
Kent, Delaware 4 $ 344,000 $ 86,000 $ 37,000
DeSoto, Florida 4 $ 232,000 $ 58,000 $ 62,000
Clayton, Georgia 4 $ 270,000 $ 67,500 $ 49,000
Henry, Georgia 4 $ 840,000 $ 210,000 $ 53,000
Honolulu, Hawaii 4 $ 1,692,000 $ 423,000 $ 62,000
Champaign, Illinois 4 $ 182,000 $ 45,500 $ 20,000
St. Clair, Illinois 4 $ 298,000 $ 74,500 $ 38,000
Hamilton, Indiana 4 $ 1,871,000 $ 467,750 $ 42,000
Scott, Indiana 4 $ 423,000 $ 105,750 $ 58,000
Tippecanoe, Indiana 4 $ 141,000 $ 35,250 $ 23,000
Polk, Iowa 4 $ 943,000 $ 235,750 $ 32,000
Lyon, Kansas 4 $ 144,000 $ 36,000 $ 0
Sedgwick, Kansas 4 $ 327,000 $ 81,750 $ 14,000
Jefferson, Kentucky 4 $ 667,000 $ 166,750 $ 38,000
East Baton Rouge, Louisiana 4 $ 302,000 $ 75,500 $ 46,000
Worcester, Maryland 4 $ 1,107,000 $ 276,750 $ 187,000
Ingham, Michigan 4 $ 158,000 $ 39,500 $ 14,000
St. Louis, Minnesota 4 $ 113,000 $ 28,250 $ 17,000
Forrest, Mississippi 4 $ 611,000 $ 152,750 $ 28,000
Jefferson, Missouri 4 $ 708,000 $ 177,000 $ 34,000
San Juan, New Mexico 4 $ 370,000 $ 92,500 $ 81,000
Clinton, New York 4 $ 176,000 $ 44,000 $ 98,000
Craven, North Carolina 4 $ 542,000 $ 135,500 $ 109,000
New Hanover, North Carolina 4 $ 1,187,000 $ 296,750 $ 119,000
Onslow, North Carolina 4 $ 293,000 $ 73,250 $ 91,000
Orange, North Carolina 4 $ 1,029,000 $ 257,250 $ 106,000
Lake, Ohio 4 $ 1,125,000 $ 281,250 $ 46,000
Miami, Ohio 4 $ 156,000 $ 39,000 $ 38,000
Summit, Ohio 4 $ 319,000 $ 79,750 $ 67,000
Washington, Oregon 4 $ 843,000 $ 210,750 $ 70,000
Armstrong, Pennsylvania 4 $ 434,000 $ 108,500 $ 24,000
Clinton, Pennsylvania 4 $ 291,000 $ 72,750 $ 23,000
Juniata, Pennsylvania 4 $ 215,000 $ 53,750 $ 33,000
McKean, Pennsylvania 4 $ 168,000 $ 42,000 $ 55,000
Perry, Pennsylvania 4 $ 399,000 $ 99,750 $ 31,000
Potter, Pennsylvania 4 $ 264,000 $ 66,000 $ 46,000
York, South Carolina 4 $ 889,000 $ 222,250 $ 65,000
Davidson, Tennessee 4 $ 700,000 $ 175,000 $ 24,000
Williamson, Tennessee 4 $ 1,756,000 $ 439,000 $ 0
Bexar, Texas 4 $ 1,131,000 $ 282,750 $ 19,000
Summit, Utah 4 $ 1,965,000 $ 491,250 $ 28,000
Lamoille, Vermont 4 $ 833,000 $ 208,250 $ 102,000
Richmond City, Virginia 4 $ 902,000 $ 225,500 $ 39,000
Stafford, Virginia 4 $ 762,000 $ 190,500 $ 87,000
Suffolk, Virginia 4 $ 563,000 $ 140,750 $ 54,000
Kenosha, Wisconsin 4 $ 231,000 $ 57,750 $ 61,000
Madison, Alabama 3 $ 185,000 $ 61,666 $ 93,000
Mobile, Alabama 3 $ 326,000 $ 108,666 $ 46,000
Faulkner, Arkansas 3 $ 239,000 $ 79,666 $ 43,000
El Dorado, California 3 $ 838,000 $ 279,333 $ 12,000
Shasta, California 3 $ 583,000 $ 194,333 $ 0
Boulder, Colorado 3 $ 594,000 $ 198,000 $ 63,000
Eagle, Colorado 3 $ 1,596,000 $ 532,000 $ 365,000
Jefferson, Colorado 3 $ 232,000 $ 77,333 $ 52,000
Larimer, Colorado 3 $ 708,000 $ 236,000 $ 18,000
Pueblo, Colorado 3 $ 339,000 $ 113,000 $ 66,000
Summit, Colorado 3 $ 1,243,000 $ 414,333 $ 36,000
Weld, Colorado 3 $ 653,000 $ 217,666 $ 0
Alachua, Florida 3 $ 98,000 $ 32,666 $ 42,000
Nassau, Florida 3 $ 289,000 $ 96,333 $ 45,000
Okaloosa, Florida 3 $ 372,000 $ 124,000 $ 55,000
Santa Rosa, Florida 3 $ 494,000 $ 164,666 $ 33,000
Hawaii, Hawaii 3 $ 553,000 $ 184,333 $ 73,000
Boone, Illinois 3 $ 780,000 $ 260,000 $ 116,000
McHenry, Illinois 3 $ 526,000 $ 175,333 $ 33,000
Allen, Indiana 3 $ 599,000 $ 199,666 $ 17,000
Scott, Iowa 3 $ 168,000 $ 56,000 $ 64,000
Shawnee, Kansas 3 $ 427,000 $ 142,333 $ 71,000
Calcasieu, Louisiana 3 $ 749,000 $ 249,666 $ 37,000
Lafayette, Louisiana 3 $ 105,000 $ 35,000 $ 45,000
Tangipahoa, Louisiana 3 $ 133,000 $ 44,333 $ 19,000
Frederick, Maryland 3 $ 807,000 $ 269,000 $ 56,000
Kent, Michigan 3 $ 765,000 $ 255,000 $ 23,000
Montcalm, Michigan 3 $ 183,000 $ 61,000 $ 0
Muskegon, Michigan 3 $ 300,000 $ 100,000 $ 45,000
Dakota, Minnesota 3 $ 896,000 $ 298,666 $ 14,000
Ramsey, Minnesota 3 $ 362,000 $ 120,666 $ 37,000
DeSoto, Mississippi 3 $ 149,000 $ 49,666 $ 36,000
Harrison, Mississippi 3 $ 540,000 $ 180,000 $ 10,000
Dona Ana, New Mexico 3 $ 484,000 $ 161,333 $ 82,000
Sandoval, New Mexico 3 $ 88,000 $ 29,333 $ 22,000
Forsyth, North Carolina 3 $ 892,000 $ 297,333 $ 26,000
Clermont, Ohio 3 $ 194,000 $ 64,666 $ 53,000
Greene, Ohio 3 $ 122,000 $ 40,666 $ 63,000
Mahoning, Ohio 3 $ 203,000 $ 67,666 $ 39,000
Preble, Ohio 3 $ 282,000 $ 94,000 $ 58,000
Trumbull, Ohio 3 $ 114,000 $ 38,000 $ 63,000
Warren, Ohio 3 $ 269,000 $ 89,666 $ 135,000
Wayne, Ohio 3 $ 298,000 $ 99,333 $ 47,000
Cleveland, Oklahoma 3 $ 308,000 $ 102,666 $ 37,000
Tulsa, Oklahoma 3 $ 82,000 $ 27,333 $ 21,000
Clackamas, Oregon 3 $ 960,000 $ 320,000 $ 0
Deschutes, Oregon 3 $ 908,000 $ 302,666 $ 119,000
Douglas, Oregon 3 $ 247,000 $ 82,333 $ 29,000
Bedford, Pennsylvania 3 $ 232,000 $ 77,333 $ 80,000
Jefferson, Pennsylvania 3 $ 182,000 $ 60,666 $ 18,000
Warren, Pennsylvania 3 $ 210,000 $ 70,000 $ 87,000
Wyoming, Pennsylvania 3 $ 82,000 $ 27,333 $ 36,000
Aiken, South Carolina 3 $ 139,000 $ 46,333 $ 63,000
Darlington, South Carolina 3 $ 202,000 $ 67,333 $ 45,000
Florence, South Carolina 3 $ 312,000 $ 104,000 $ 35,000
Richland, South Carolina 3 $ 268,000 $ 89,333 $ 29,000
Bedford, Tennessee 3 $ 547,000 $ 182,333 $ 60,000
El Paso, Texas 3 $ 933,000 $ 311,000 $ 36,000
Fort Bend, Texas 3 $ 1,174,000 $ 391,333 $ 0
Salt Lake, Utah 3 $ 638,000 $ 212,666 $ 40,000
Orange, Vermont 3 $ 360,000 $ 120,000 $ 100,000
Rutland, Vermont 3 $ 637,000 $ 212,333 $ 91,000
Hampton, Virginia 3 $ 191,000 $ 63,666 $ 30,000
Lunenburg, Virginia 3 $ 255,000 $ 85,000 $ 34,000
Norfolk, Virginia 3 $ 118,000 $ 39,333 $ 61,000
Chelan, Washington 3 $ 104,000 $ 34,666 $ 35,000
Island, Washington 3 $ 516,000 $ 172,000 $ 42,000
Jefferson, Washington 3 $ 285,000 $ 95,000 $ 93,000
Kitsap, Washington 3 $ 1,172,000 $ 390,666 $ 0
Skagit, Washington 3 $ 270,000 $ 90,000 $ 97,000
Dane, Wisconsin 3 $ 644,000 $ 214,666 $ 20,000
Waukesha, Wisconsin 3 $ 987,000 $ 329,000 $ 4,000
Tuscaloosa, Alabama 2 $ 183,000 $ 91,500 $ 0
Cochise, Arizona 2 $ 145,000 $ 72,500 $ 17,000
Pinal, Arizona 2 $ 140,000 $ 70,000 $ 23,000
Santa Cruz, Arizona 2 $ 166,000 $ 83,000 $ 0
Sebastian, Arkansas 2 $ 161,000 $ 80,500 $ 87,000
Butte, California 2 $ 220,000 $ 110,000 $ 0
Humboldt, California 2 $ 481,000 $ 240,500 $ 13,000
Imperial, California 2 $ 310,000 $ 155,000 $ 59,000
Kings, California 2 $ 90,000 $ 45,000 $ 0
Merced, California 2 $ 192,000 $ 96,000 $ 19,000
Sonoma, California 2 $ 764,000 $ 382,000 $ 0
Yolo, California 2 $ 349,000 $ 174,500 $ 552,000
Pitkin, Colorado 2 $ 855,000 $ 427,500 $ 100,000
Routt, Colorado 2 $ 941,000 $ 470,500 $ 267,000
Hendry, Florida 2 $ 115,000 $ 57,500 $ 86,000
Jackson, Florida 2 $ 145,000 $ 72,500 $ 42,000
Union, Florida 2 $ 131,000 $ 65,500 $ 37,000
Chatham, Georgia 2 $ 260,000 $ 130,000 $ 34,000
Ada, Idaho 2 $ 919,000 $ 459,500 $ 0
Bond, Illinois 2 $ 105,000 $ 52,500 $ 0
Kankakee, Illinois 2 $ 150,000 $ 75,000 $ 34,000
Kendall, Illinois 2 $ 50,000 $ 25,000 $ 62,000
Logan, Illinois 2 $ 111,000 $ 55,500 $ 54,000
Morgan, Illinois 2 $ 149,000 $ 74,500 $ 28,000
Williamson, Illinois 2 $ 83,000 $ 41,500 $ 12,000
Winnebago, Illinois 2 $ 135,000 $ 67,500 $ 64,000
Boone, Indiana 2 $ 692,000 $ 346,000 $ 35,000
Decatur, Indiana 2 $ 104,000 $ 52,000 $ 12,000
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Mortgage Loan Application Detail Totals for Fleet National 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 40,702 $6,050,063,000 $194,282 $7,600,000 $55,956 $6,053,000
Home Purchase 16,167 $3,052,071,000 $258,521 $5,100,000 $75,195 $6,511,000
Home Improvement 15,409 $903,971,000 $52,342 $3,100,000 $57,710 $5,274,000

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 44,942 $5,819,843,000 $125,914 $5,100,000 $81,425 $6,511,000
Hispanic 7,939 $1,010,659,000 $99,861 $1,500,000 $44,916 $1,976,000
Not Provided 7,886 $1,228,290,000 $153,465 $7,600,000 $90,674 $6,000,000
Black or African American 5,668 $678,983,000 $98,256 $990,000 $67,307 $3,906,000
Asian 3,447 $534,072,000 $136,303 $960,000 $85,090 $5,820,000
Not applicable 1,455 $616,250,000 $425,297 $1,489,000 $0 $0
American Indian or Alaskan Native 682 $82,611,000 $107,217 $626,000 $116,391 $6,053,000
Native Hawaiian or Other Pacific Islander 259 $35,397,000 $115,117 $500,000 $79,235 $900,000

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) 70,740 $9,781,987,000 $190,812 $7,600,000 $65,145 $6,511,000
FHA-insured (Federal Housing Administration) 1,408 $205,440,000 $114,526 $456,000 $43,842 $263,000
VA-guaranteed (Veterans Administration) 130 $18,678,000 $156,176 $321,000 $56,823 $154,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 43,050 $5,682,117,000 $138,543 $5,100,000 $89,782 $6,511,000
Application Denied By Financial Institution 18,715 $2,462,414,000 $105,674 $3,600,000 $60,093 $6,053,000
Application Approved But Not Accepted 6,579 $774,997,000 $99,575 $4,500,000 $53,075 $3,490,000
Application Withdrawn By Applicant 2,266 $415,822,000 $161,666 $7,600,000 $94,527 $6,000,000
Loan Purchased By The Institution 1,244 $583,877,000 $453,723 $1,489,000 $0 $0
File Closed For Incompleteness 424 $86,878,000 $177,526 $1,388,000 $85,947 $1,200,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 8,273 $839,784,000 $96,756 $3,600,000 $63,000 $3,729,000
Collateral 5,127 $717,615,000 $111,761 $2,200,000 $59,166 $6,053,000
Debt-To-Income Ratio 2,419 $490,784,000 $155,296 $1,543,000 $43,296 $960,000
Credit Application Incomplete 1,410 $215,702,000 $111,178 $1,200,000 $70,714 $3,900,000
Other 942 $124,105,000 $118,692 $1,000,000 $88,384 $1,216,000
Unverifiable Information 336 $36,789,000 $77,722 $591,000 $83,333 $500,000
Insufficient Cash (Downpayment, Closing Cost) 127 $23,798,000 $169,000 $960,000 $69,000 $250,000
Employment History 77 $13,164,000 $142,222 $594,000 $68,555 $425,000
Mortgage Insurance Denied 4 $673,000 $168,000 $396,000 $59,500 $104,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Fleet National 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 Fleet National 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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