Integra Bank Mortgage Lending & HMDA Data, 2007
In 2007, Integra Bank of Evansville, IN reported 2,893 mortgage applications totaling $181.6 million, down 10% from 2006. The average application was for $62,773, and applicants reported an average income of $60,436. 63% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Evansville, IN-KY (675), Cincinnati-Middletown, OH-KY-IN (258) and Bowling Green, KY (137) (applications in parentheses).
| Mortgage Company & Address | Integra Bank Po Box 868 Evansville, IN 47705 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,893 |
| Total Mortgage Loan Application Amount | $181,603,000 |
| Average Mortgage Loan Application Amount | $62,773 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $60,436 |
| Highest Applicant Income | $1,006,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integra Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Evansville, IN-KY | 675 | $ 49,317,000 | $ 73,062 | $ 74,271 |
| Cincinnati-Middletown, OH-KY-IN | 258 | $ 20,552,000 | $ 79,658 | $ 67,906 |
| Bowling Green, KY | 137 | $ 11,755,000 | $ 85,802 | $ 62,000 |
| Clarksville, TN-KY | 72 | $ 3,542,000 | $ 49,194 | $ 52,000 |
| Chicago-Naperville-Joliet, IL | 39 | $ 4,815,000 | $ 123,461 | $ 92,000 |
| Lexington-Fayette, KY | 37 | $ 4,338,000 | $ 117,243 | $ 88,000 |
| Louisville-Jefferson County, KY-IN | 13 | $ 784,000 | $ 60,307 | $ 45,538 |
| Owensboro, KY | 7 | $ 560,000 | $ 80,000 | $ 49,000 |
| Indianapolis-Carmel, IN | 6 | $ 377,000 | $ 62,833 | $ 88,000 |
| Bloomington, IN | 4 | $ 404,000 | $ 101,000 | $ 214,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 284,000 | $ 94,666 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 545,000 | $ 181,666 | $ 140,000 |
| Anderson, IN | 2 | $ 151,000 | $ 75,500 | $ 50,000 |
| Elizabethtown, KY | 2 | $ 61,000 | $ 30,500 | $ 22,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 114,000 | $ 114,000 | $ 128,000 |
| Florence-Muscle Shoals, AL | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Lafayette, IN | 1 | $ 103,000 | $ 103,000 | $ 67,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Terre Haute, IN | 1 | $ 35,000 | $ 35,000 | $ 139,000 |
| Wichita Falls, TX | 1 | $ 74,000 | $ 74,000 | $ 59,000 |
| Winston-Salem, NC | 1 | $ 157,000 | $ 157,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Integra Bank in 2007
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 | 1,200 | $95,422,000 | $79,000 | $688,000 | $64,000 | $980,000 |
| Home Improvement | 859 | $16,372,000 | $19,000 | $600,000 | $52,000 | $671,000 |
| Home Purchase | 834 | $69,809,000 | $83,000 | $700,000 | $64,000 | $1,006,000 |
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 | 2,619 | $167,896,000 | $64,000 | $700,000 | $61,000 | $1,006,000 |
| Not Provided | 182 | $8,923,000 | $49,000 | $492,000 | $62,000 | $776,000 |
| Black or African American | 55 | $2,568,000 | $46,000 | $255,000 | $48,000 | $240,000 |
| Hispanic | 24 | $1,175,000 | $48,000 | $153,000 | $76,000 | $770,000 |
| Asian | 7 | $590,000 | $84,000 | $175,000 | $48,000 | $88,000 |
| American Indian or Alaskan Native | 4 | $291,000 | $72,000 | $97,000 | $45,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $128,000 | $100,000 | $100,000 |
| 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) | 2,790 | $172,247,000 | $61,000 | $700,000 | $61,000 | $1,006,000 |
| FHA-insured (Federal Housing Administration) | 98 | $8,962,000 | $91,000 | $227,000 | $45,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $239,000 | $79,000 | $92,000 | $37,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 2 | $155,000 | $77,000 | $78,000 | $26,000 | $31,000 |
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 | 1,816 | $118,672,000 | $65,000 | $700,000 | $67,000 | $1,006,000 |
| Application Denied By Financial Institution | 732 | $35,521,000 | $48,000 | $612,000 | $44,000 | $360,000 |
| Application Approved But Not Accepted | 207 | $13,503,000 | $65,000 | $484,000 | $64,000 | $364,000 |
| Application Withdrawn By Applicant | 105 | $10,916,000 | $103,000 | $600,000 | $63,000 | $225,000 |
| Preapproval Denied by Financial Institution | 27 | $2,306,000 | $85,000 | $160,000 | $43,000 | $133,000 |
| File Closed For Incompleteness | 5 | $585,000 | $117,000 | $206,000 | $68,000 | $106,000 |
| Preapproval Approved but not Accepted | 1 | $100,000 | $100,000 | $100,000 | $35,000 | $35,000 |
| Loan Purchased By The 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 | 444 | $14,629,000 | $32,000 | $258,000 | $41,000 | $281,000 |
| Debt-To-Income Ratio | 144 | $7,869,000 | $54,000 | $585,000 | $36,000 | $128,000 |
| Collateral | 113 | $10,328,000 | $91,000 | $478,000 | $59,000 | $293,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $1,880,000 | $78,000 | $157,000 | $40,000 | $120,000 |
| Other | 18 | $1,492,000 | $82,000 | $176,000 | $55,000 | $352,000 |
| Employment History | 8 | $512,000 | $64,000 | $121,000 | $42,000 | $85,000 |
| Unverifiable Information | 6 | $966,000 | $161,000 | $612,000 | $99,000 | $360,000 |
| Credit Application Incomplete | 2 | $151,000 | $75,000 | $116,000 | $172,000 | $303,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integra Bank's 2007 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 Integra 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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