Irwin Union Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Irwin Union Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Irwin Union Bank 500 Washington St Columbus, IN 47201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,213 |
| Total Mortgage Loan Application Amount | $214,731,000 |
| Average Mortgage Loan Application Amount | $429,142 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $108,619 |
| Highest Applicant Income | $3,336,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Irwin Union Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Irwin Union Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Irwin Union Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Irwin Union Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Irwin Union Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Irwin Union Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bartholomew County Indiana | 486 | $ 52,469,000 | $ 107,000 | $ 60,000 |
| Shelby County Indiana | 101 | $ 8,766,000 | $ 86,000 | $ 84,000 |
| Monroe County Indiana | 77 | $ 14,538,000 | $ 188,000 | $ 112,000 |
| Johnson County Indiana | 71 | $ 9,447,000 | $ 133,000 | $ 72,000 |
| Jackson County Indiana | 60 | $ 4,945,000 | $ 82,000 | $ 53,000 |
| Marion County Indiana | 56 | $ 8,037,000 | $ 143,000 | $ 62,000 |
| Brown County Indiana | 48 | $ 5,484,000 | $ 114,000 | $ 61,000 |
| Hamilton County Indiana | 32 | $ 8,776,000 | $ 274,000 | $ 80,000 |
| Decatur County Indiana | 25 | $ 2,627,000 | $ 105,000 | $ 62,000 |
| Kent County Michigan | 25 | $ 4,170,000 | $ 166,000 | $ 81,000 |
| Jennings County Indiana | 21 | $ 1,986,000 | $ 94,000 | $ 57,000 |
| Kalamazoo County Michigan | 17 | $ 8,623,000 | $ 507,000 | $ 77,000 |
| Morgan County Indiana | 14 | $ 2,168,000 | $ 154,000 | $ 68,000 |
| Maricopa County Arizona | 13 | $ 52,614,000 | $ 4,047,000 | $ 54,000 |
| Clark County Nevada | 12 | $ 4,484,000 | $ 373,000 | $ 162,000 |
| Ingham County Michigan | 9 | $ 3,486,000 | $ 387,000 | $ 74,000 |
| Grand Traverse County Michigan | 7 | $ 1,244,000 | $ 177,000 | $ 95,000 |
| Shiawassee County Michigan | 7 | $ 2,914,000 | $ 416,000 | $ 65,000 |
| Rush County Indiana | 6 | $ 441,000 | $ 73,000 | $ 57,000 |
| Ottawa County Michigan | 6 | $ 1,515,000 | $ 252,000 | $ 124,000 |
| Van Buren County Michigan | 6 | $ 1,248,000 | $ 208,000 | $ 108,000 |
| Salt Lake County Utah | 6 | $ 1,133,000 | $ 188,000 | $ 76,000 |
| Hendricks County Indiana | 5 | $ 361,000 | $ 72,000 | $ 76,000 |
| Scott County Indiana | 4 | $ 337,000 | $ 84,000 | $ 53,000 |
| Hamilton County Ohio | 4 | $ 586,000 | $ 146,000 | $ 0 |
| Greene County Indiana | 3 | $ 283,000 | $ 94,000 | $ 55,000 |
| Hancock County Indiana | 3 | $ 458,000 | $ 152,000 | $ 107,000 |
| Lawrence County Indiana | 3 | $ 359,000 | $ 119,000 | $ 91,000 |
| Owen County Indiana | 3 | $ 208,000 | $ 69,000 | $ 41,000 |
| Barry County Michigan | 3 | $ 817,000 | $ 272,000 | $ 122,000 |
| Manistee County Michigan | 3 | $ 464,000 | $ 154,000 | $ 192,000 |
| Yavapai County Arizona | 2 | $ 409,000 | $ 204,000 | $ 306,000 |
| Lee County Florida | 2 | $ 549,000 | $ 274,000 | $ 103,000 |
| Jefferson County Indiana | 2 | $ 209,000 | $ 104,000 | $ 43,000 |
| Madison County Indiana | 2 | $ 362,000 | $ 181,000 | $ 69,000 |
| Allegan County Michigan | 2 | $ 135,000 | $ 67,000 | $ 54,000 |
| Contra Costa County California | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Orange County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 471,000 |
| San Diego County California | 1 | $ 360,000 | $ 360,000 | $ 165,000 |
| Collier County Florida | 1 | $ 267,000 | $ 267,000 | $ 137,000 |
| Miami-Dade County Florida | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Sarasota County Florida | 1 | $ 532,000 | $ 532,000 | $ 0 |
| Boone County Indiana | 1 | $ 200,000 | $ 200,000 | $ 51,000 |
| Howard County Indiana | 1 | $ 78,000 | $ 78,000 | $ 27,000 |
| Putnam County Indiana | 1 | $ 71,000 | $ 71,000 | $ 15,000 |
| Ripley County Indiana | 1 | $ 88,000 | $ 88,000 | $ 33,000 |
| Tippecanoe County Indiana | 1 | $ 123,000 | $ 123,000 | $ 133,000 |
| Vigo County Indiana | 1 | $ 172,000 | $ 172,000 | $ 60,000 |
| Calloway County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 162,000 | $ 162,000 | $ 66,000 |
| Antrim County Michigan | 1 | $ 205,000 | $ 205,000 | $ 520,000 |
| Calhoun County Michigan | 1 | $ 150,000 | $ 150,000 | $ 157,000 |
| Clare County Michigan | 1 | $ 4,000 | $ 4,000 | $ 73,000 |
| Clinton County Michigan | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Leelanau County Michigan | 1 | $ 120,000 | $ 120,000 | $ 87,000 |
| Muskegon County Michigan | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Horry County South Carolina | 1 | $ 37,000 | $ 37,000 | $ 334,000 |
| Davis County Utah | 1 | $ 331,000 | $ 331,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Irwin Union Bank in 2005
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 | 588 | $133,256,000 | $756,333 | $10,000,000 | $88,333 | $3,336,000 |
| Refinancing | 524 | $76,860,000 | $209,888 | $3,966,000 | $112,555 | $791,000 |
| Home Improvement | 101 | $4,615,000 | $105,333 | $525,000 | $157,666 | $339,000 |
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 | 1,000 | $120,337,000 | $207,000 | $905,000 | $103,666 | $3,336,000 |
| Not Provided | 88 | $12,773,000 | $287,714 | $1,000,000 | $120,857 | $471,000 |
| Not applicable | 62 | $72,846,000 | $880,375 | $10,000,000 | $66,875 | $334,000 |
| Asian | 29 | $3,937,000 | $176,000 | $282,000 | $111,666 | $286,000 |
| Black or African American | 18 | $3,455,000 | $483,500 | $1,520,000 | $176,500 | $453,000 |
| Hispanic | 15 | $1,203,000 | $50,333 | $198,000 | $38,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $180,000 | $180,000 | $180,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 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) | 1,213 | $214,731,000 | $528,545 | $10,000,000 | $111,000 | $3,336,000 |
| 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 | 978 | $138,564,000 | $216,700 | $3,966,000 | $117,700 | $3,336,000 |
| Application Withdrawn By Applicant | 118 | $15,177,000 | $275,666 | $1,000,000 | $110,666 | $471,000 |
| Application Denied By Financial Institution | 65 | $5,168,000 | $120,500 | $563,000 | $65,000 | $132,000 |
| Preapproval Denied by Financial Institution | 37 | $3,049,000 | $82,000 | $172,000 | $36,000 | $437,000 |
| Loan Purchased By The Institution | 9 | $51,853,000 | $5,761,000 | $10,000,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $920,000 | $153,000 | $340,000 | $71,000 | $160,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 51 | $3,519,000 | $68,500 | $195,000 | $46,500 | $437,000 |
| Debt-To-Income Ratio | 27 | $2,213,000 | $51,666 | $563,000 | $48,333 | $122,000 |
| Other | 13 | $1,581,000 | $185,000 | $360,000 | $63,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $675,000 | $81,000 | $171,000 | $27,000 | $95,000 |
| Employment History | 2 | $153,000 | $76,000 | $86,000 | $26,000 | $28,000 |
| Collateral | 2 | $76,000 | $38,000 | $59,000 | $81,500 | $127,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Irwin Union Bank's 2005 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 Irwin Union 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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.