Harris N.A. Mortgage Lending & HMDA Data, 2009
In 2009, Harris N.A. of Chicago, IL reported 16,298 mortgage applications totaling $3.1 billion, down 5% from 2008. The average application was for $189,148, and applicants reported an average income of $117,480. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (11,264), Lake County-Kenosha County, IL-WI (1,045) and Milwaukee-Waukesha-West Allis, WI (762) (applications in parentheses).
| Mortgage Company & Address | Harris N.A. 111 W. Monroe Chicago, IL 60603 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 | 16,298 |
| Total Mortgage Loan Application Amount | $3,082,742,000 |
| Average Mortgage Loan Application Amount | $189,148 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $117,480 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Harris N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 11,264 | $ 2,181,653,000 | $ 193,683 | $ 111,000 |
| Lake County-Kenosha County, IL-WI | 1,045 | $ 261,221,000 | $ 249,972 | $ 145,833 |
| Milwaukee-Waukesha-West Allis, WI | 762 | $ 131,191,000 | $ 172,166 | $ 92,000 |
| Gary, IN | 613 | $ 91,295,000 | $ 148,931 | $ 92,000 |
| Indianapolis-Carmel, IN | 272 | $ 38,256,000 | $ 140,647 | $ 123,000 |
| Kokomo, IN | 158 | $ 15,586,000 | $ 98,645 | $ 62,000 |
| Terre Haute, IN | 114 | $ 7,587,000 | $ 66,552 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 100 | $ 21,251,000 | $ 212,510 | $ 186,000 |
| Green Bay, WI | 99 | $ 11,565,000 | $ 116,818 | $ 63,000 |
| Sheboygan, WI | 87 | $ 9,139,000 | $ 105,045 | $ 60,000 |
| La Crosse, WI-MN | 80 | $ 9,615,000 | $ 120,187 | $ 79,450 |
| Rockford, IL | 54 | $ 6,594,000 | $ 122,111 | $ 75,000 |
| Naples-Marco Island, FL | 28 | $ 11,840,000 | $ 422,857 | $ 528,000 |
| Peoria, IL | 28 | $ 2,448,000 | $ 87,428 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 25 | $ 5,847,000 | $ 233,880 | $ 317,000 |
| Kankakee-Bradley, IL | 23 | $ 3,567,000 | $ 155,086 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 23 | $ 6,009,000 | $ 261,260 | $ 192,000 |
| Bradenton-Sarasota-Venice, FL | 18 | $ 4,838,000 | $ 268,777 | $ 254,000 |
| Racine, WI | 15 | $ 2,866,000 | $ 191,066 | $ 90,000 |
| Michigan City-La Porte, IN | 14 | $ 3,601,000 | $ 257,214 | $ 298,000 |
| Madison, WI | 13 | $ 1,897,000 | $ 145,923 | $ 290,000 |
| Bloomington, IN | 12 | $ 1,232,000 | $ 102,666 | $ 99,000 |
| Niles-Benton Harbor, MI | 12 | $ 2,823,000 | $ 235,250 | $ 263,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 1,642,000 | $ 149,272 | $ 506,000 |
| Tucson, AZ | 11 | $ 1,815,000 | $ 165,000 | $ 119,000 |
| Las Vegas-Paradise, NV | 10 | $ 2,402,000 | $ 240,200 | $ 228,000 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 1,546,000 | $ 171,777 | $ 96,000 |
| St. Louis, MO-IL | 9 | $ 1,954,000 | $ 217,111 | $ 98,666 |
| Kalamazoo-Portage, MI | 8 | $ 1,190,000 | $ 148,750 | $ 234,000 |
| Fond Du Lac, WI | 7 | $ 950,000 | $ 135,714 | $ 26,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 1,012,000 | $ 144,571 | $ 113,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 3,751,000 | $ 535,857 | $ 287,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 5,940,000 | $ 848,571 | $ 970,000 |
| Anderson, IN | 6 | $ 851,000 | $ 141,833 | $ 47,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 815,000 | $ 135,833 | $ 91,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,691,000 | $ 281,833 | $ 263,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 2,722,000 | $ 453,666 | $ 1,644,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 1,328,000 | $ 221,333 | $ 134,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,939,000 | $ 323,166 | $ 104,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 1,146,000 | $ 191,000 | $ 135,000 |
| Bloomington-Normal, IL | 5 | $ 588,000 | $ 117,600 | $ 243,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 740,000 | $ 148,000 | $ 162,000 |
| Lafayette, IN | 5 | $ 573,000 | $ 114,600 | $ 57,000 |
| Orlando-Kissimmee, FL | 5 | $ 911,000 | $ 182,200 | $ 146,000 |
| Punta Gorda, FL | 5 | $ 912,000 | $ 182,400 | $ 68,000 |
| Boston-Quincy, MA | 4 | $ 1,963,000 | $ 490,750 | $ 4,892,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 268,000 | $ 67,000 | $ 55,750 |
| Denver-Aurora-Broomfield, CO | 4 | $ 1,177,000 | $ 294,250 | $ 179,000 |
| Nassau-Suffolk, NY | 4 | $ 2,073,000 | $ 518,250 | $ 402,000 |
| Oshkosh-Neenah, WI | 4 | $ 925,000 | $ 231,250 | $ 177,000 |
| Prescott, AZ | 4 | $ 589,000 | $ 147,250 | $ 75,000 |
| Sebastian-Vero Beach, FL | 4 | $ 936,000 | $ 234,000 | $ 400,000 |
| Bethesda-Frederick-Rockville, MD | 3 | $ 1,038,000 | $ 346,000 | $ 140,000 |
| Brownsville-Harlingen, TX | 3 | $ 175,000 | $ 58,333 | $ 89,000 |
| Fort Wayne, IN | 3 | $ 266,000 | $ 88,666 | $ 92,000 |
| Kansas City, MO-KS | 3 | $ 819,000 | $ 273,000 | $ 175,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 389,000 | $ 129,666 | $ 94,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,836,000 | $ 612,000 | $ 3,163,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 2,072,000 | $ 690,666 | $ 321,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 784,000 | $ 261,333 | $ 398,666 |
| Albuquerque, NM | 2 | $ 227,000 | $ 113,500 | $ 50,000 |
| Appleton, WI | 2 | $ 250,000 | $ 125,000 | $ 137,000 |
| Baltimore-Towson, MD | 2 | $ 454,000 | $ 227,000 | $ 108,000 |
| Barnstable Town, MA | 2 | $ 833,000 | $ 416,500 | $ 279,000 |
| Champaign-Urbana, IL | 2 | $ 339,000 | $ 169,500 | $ 134,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 690,000 | $ 345,000 | $ 235,000 |
| Clarksville, TN-KY | 2 | $ 234,000 | $ 117,000 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 312,000 | $ 156,000 | $ 65,000 |
| Eau Claire, WI | 2 | $ 192,000 | $ 96,000 | $ 87,000 |
| Fort Collins-Loveland, CO | 2 | $ 241,000 | $ 120,500 | $ 118,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 248,000 | $ 124,000 | $ 141,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 284,000 | $ 142,000 | $ 94,000 |
| Lakeland-Winter Haven, FL | 2 | $ 190,000 | $ 95,000 | $ 75,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 307,000 | $ 153,500 | $ 101,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 376,000 | $ 188,000 | $ 94,000 |
| Muncie, IN | 2 | $ 115,000 | $ 57,500 | $ 101,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 170,000 | $ 85,000 | $ 110,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 158,000 | $ 79,000 | $ 97,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 585,000 | $ 292,500 | $ 292,000 |
| Pascagoula, MS | 2 | $ 332,000 | $ 166,000 | $ 574,000 |
| Salt Lake City, UT | 2 | $ 537,000 | $ 268,500 | $ 157,000 |
| Springfield, IL | 2 | $ 157,000 | $ 78,500 | $ 55,000 |
| Wausau, WI | 2 | $ 350,000 | $ 175,000 | $ 158,000 |
| Asheville, NC | 1 | $ 417,000 | $ 417,000 | $ 238,000 |
| Athens-Clarke County, GA | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 121,000 | $ 121,000 | $ 157,000 |
| Austin-Round Rock, TX | 1 | $ 404,000 | $ 404,000 | $ 188,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 56,000 | $ 56,000 | $ 103,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 40,000 | $ 40,000 | $ 49,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 417,000 | $ 417,000 | $ 884,000 |
| Cheyenne, WY | 1 | $ 258,000 | $ 258,000 | $ 85,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 1,200,000 | $ 1,200,000 | $ 378,000 |
| Cleveland, TN | 1 | $ 220,000 | $ 220,000 | $ 113,000 |
| Columbia, MO | 1 | $ 206,000 | $ 206,000 | $ 69,000 |
| Columbia, SC | 1 | $ 335,000 | $ 335,000 | $ 180,000 |
| Columbus, IN | 1 | $ 87,000 | $ 87,000 | $ 44,000 |
| Corpus Christi, TX | 1 | $ 110,000 | $ 110,000 | $ 278,000 |
| Danville, IL | 1 | $ 48,000 | $ 48,000 | $ 32,000 |
| Dayton, OH | 1 | $ 107,000 | $ 107,000 | $ 36,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 32,000 | $ 32,000 | $ 72,000 |
| Duluth, MN-WI | 1 | $ 573,000 | $ 573,000 | $ 423,000 |
| Durham-Chapel Hill, NC | 1 | $ 417,000 | $ 417,000 | $ 499,000 |
| Edison-New Brunswick, NJ | 1 | $ 385,000 | $ 385,000 | $ 310,000 |
| Flagstaff, AZ | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| Florence-Muscle Shoals, AL | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 295,000 | $ 295,000 | $ 300,000 |
| Hattiesburg, MS | 1 | $ 102,000 | $ 102,000 | $ 49,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 259,000 | $ 259,000 | $ 133,000 |
| Hot Springs, AR | 1 | $ 142,000 | $ 142,000 | $ 49,000 |
| Janesville, WI | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Las Cruces, NM | 1 | $ 360,000 | $ 360,000 | $ 142,000 |
| Lexington-Fayette, KY | 1 | $ 176,000 | $ 176,000 | $ 138,000 |
| Memphis, TN-MS-AR | 1 | $ 300,000 | $ 300,000 | $ 347,000 |
| New Haven-Milford, CT | 1 | $ 340,000 | $ 340,000 | $ 140,000 |
| Ocala, FL | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Ocean City, NJ | 1 | $ 212,000 | $ 212,000 | $ 165,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 186,000 | $ 186,000 | $ 110,000 |
| Palm Coast, FL | 1 | $ 164,000 | $ 164,000 | $ 143,000 |
| Philadelphia, PA | 1 | $ 200,000 | $ 200,000 | $ 288,000 |
| Pittsburgh, PA | 1 | $ 139,000 | $ 139,000 | $ 44,000 |
| Port St. Lucie, FL | 1 | $ 3,500,000 | $ 3,500,000 | $ 4,500,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 308,000 | $ 308,000 | $ 487,000 |
| Roanoke, VA | 1 | $ 356,000 | $ 356,000 | $ 160,000 |
| Rochester, MN | 1 | $ 416,000 | $ 416,000 | $ 252,000 |
| Rockingham County-Strafford County, NH | 1 | $ 345,000 | $ 345,000 | $ 112,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 1,013,000 | $ 1,013,000 | $ 333,000 |
| Salinas, CA | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| San Antonio, TX | 1 | $ 60,000 | $ 60,000 | $ 81,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 300,000 | $ 300,000 | $ 132,000 |
| Sandusky, OH | 1 | $ 342,000 | $ 342,000 | $ 250,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 956,000 | $ 956,000 | $ 1,606,000 |
| Santa Fe, NM | 1 | $ 800,000 | $ 800,000 | $ 477,000 |
| Savannah, GA | 1 | $ 258,000 | $ 258,000 | $ 220,000 |
| Vallejo-Fairfield, CA | 1 | $ 175,000 | $ 175,000 | $ 151,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 146,000 | $ 146,000 | $ 85,000 |
| Wilmington, NC | 1 | $ 150,000 | $ 150,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Harris N.A. in 2009
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 | 13,150 | $2,471,489,000 | $187,000 | $4,480,000 | $116,000 | $9,999,000 |
| Home Purchase | 2,654 | $560,900,000 | $211,000 | $5,000,000 | $129,000 | $9,999,000 |
| Home Improvement | 494 | $50,353,000 | $101,000 | $3,500,000 | $95,000 | $4,500,000 |
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 | 11,054 | $2,075,929,000 | $187,000 | $4,480,000 | $116,000 | $9,417,000 |
| Not Provided | 2,124 | $493,683,000 | $232,000 | $5,000,000 | $193,000 | $9,999,000 |
| Hispanic | 1,667 | $233,711,000 | $140,000 | $945,000 | $59,000 | $503,000 |
| Black or African American | 790 | $118,608,000 | $150,000 | $1,254,000 | $75,000 | $700,000 |
| Asian | 488 | $110,487,000 | $226,000 | $3,718,000 | $110,000 | $1,029,000 |
| Not applicable | 128 | $41,750,000 | $326,000 | $2,206,000 | $1,000 | $149,000 |
| American Indian or Alaskan Native | 27 | $4,612,000 | $170,000 | $650,000 | $97,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $3,962,000 | $198,000 | $416,000 | $95,000 | $170,000 |
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) | 16,298 | $3,082,742,000 | $189,000 | $5,000,000 | $117,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 9,643 | $1,776,876,000 | $184,000 | $4,480,000 | $119,000 | $6,984,000 |
| Application Denied By Financial Institution | 2,330 | $424,899,000 | $182,000 | $3,300,000 | $85,000 | $2,263,000 |
| Application Withdrawn By Applicant | 1,777 | $353,676,000 | $199,000 | $1,975,000 | $148,000 | $9,417,000 |
| File Closed For Incompleteness | 1,356 | $289,605,000 | $213,000 | $5,000,000 | $122,000 | $9,999,000 |
| Application Approved But Not Accepted | 785 | $177,656,000 | $226,000 | $2,210,000 | $142,000 | $9,999,000 |
| Preapproval Denied by Financial Institution | 390 | $58,287,000 | $149,000 | $1,400,000 | $53,000 | $375,000 |
| Loan Purchased By The Institution | 17 | $1,743,000 | $102,000 | $290,000 | $63,000 | $158,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 967 | $195,320,000 | $201,000 | $2,800,000 | $110,000 | $2,263,000 |
| Debt-To-Income Ratio | 941 | $176,850,000 | $187,000 | $3,300,000 | $57,000 | $650,000 |
| Credit History | 549 | $60,786,000 | $110,000 | $2,000,000 | $61,000 | $1,711,000 |
| Other | 91 | $17,595,000 | $193,000 | $2,000,000 | $116,000 | $1,198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 67 | $13,084,000 | $195,000 | $975,000 | $83,000 | $360,000 |
| Unverifiable Information | 54 | $10,006,000 | $185,000 | $815,000 | $87,000 | $1,030,000 |
| Employment History | 38 | $6,647,000 | $174,000 | $1,400,000 | $64,000 | $300,000 |
| Credit Application Incomplete | 13 | $2,898,000 | $222,000 | $417,000 | $137,000 | $588,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Harris N.A.'s 2009 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 Harris N.A.'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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