Irwin Union Bank Mortgage Lending & HMDA Data, 2003
In 2003, Irwin Union Bank of Columbus, IN reported 17,417 mortgage applications totaling $1.5 billion. The average application was for $88,577, and applicants reported an average income of $66,646. 40% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Phoenix-Mesa, AZ (796), Indianapolis, IN (671) and Denver, CO (465) (applications in parentheses).
| 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 | 17,417 |
| Total Mortgage Loan Application Amount | $1,542,748,000 |
| Average Mortgage Loan Application Amount | $88,577 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $66,646 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Irwin Union Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa, AZ | 796 | $ 74,585,000 | $ 93,699 | $ 88,000 |
| Indianapolis, IN | 671 | $ 81,562,000 | $ 121,552 | $ 71,000 |
| Denver, CO | 465 | $ 39,863,000 | $ 85,726 | $ 77,000 |
| Riverside-San Bernardino, CA | 441 | $ 43,123,000 | $ 97,784 | $ 86,000 |
| Baltimore, MD | 408 | $ 33,004,000 | $ 80,892 | $ 72,000 |
| Los Angeles-Long Beach, CA | 396 | $ 47,877,000 | $ 120,901 | $ 95,000 |
| Las Vegas, NV-AZ | 344 | $ 26,807,000 | $ 77,927 | $ 65,000 |
| Philadelphia, PA-NJ | 290 | $ 24,711,000 | $ 85,210 | $ 67,000 |
| Detroit, MI | 280 | $ 22,833,000 | $ 81,546 | $ 71,000 |
| Chicago, IL | 263 | $ 27,319,000 | $ 103,874 | $ 75,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 253 | $ 16,206,000 | $ 64,055 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 253 | $ 23,227,000 | $ 91,806 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 234 | $ 15,863,000 | $ 67,790 | $ 66,000 |
| Portland-Vancouver, OR-WA | 226 | $ 16,807,000 | $ 74,367 | $ 68,000 |
| Orlando, FL | 212 | $ 15,818,000 | $ 74,613 | $ 68,000 |
| Colorado Springs, CO | 210 | $ 16,194,000 | $ 77,114 | $ 66,000 |
| Columbus, OH | 203 | $ 13,817,000 | $ 68,064 | $ 58,000 |
| Sacramento, CA | 194 | $ 18,856,000 | $ 97,195 | $ 78,000 |
| Cleveland-Lorain-Elyria, OH | 181 | $ 16,420,000 | $ 90,718 | $ 63,000 |
| Bloomington, IN | 179 | $ 26,733,000 | $ 149,346 | $ 97,000 |
| Salt Lake City-Ogden, UT | 173 | $ 9,507,000 | $ 54,953 | $ 52,000 |
| Richmond-Petersburg, VA | 147 | $ 10,588,000 | $ 72,027 | $ 61,000 |
| Jacksonville, FL | 145 | $ 9,806,000 | $ 67,627 | $ 69,000 |
| Pittsburgh, PA | 144 | $ 10,221,000 | $ 70,979 | $ 60,000 |
| Tacoma, WA | 136 | $ 11,200,000 | $ 82,352 | $ 68,000 |
| San Diego, CA | 130 | $ 17,867,000 | $ 137,438 | $ 77,000 |
| Tucson, AZ | 128 | $ 10,726,000 | $ 83,796 | $ 61,000 |
| Fort Lauderdale, FL | 120 | $ 10,246,000 | $ 85,383 | $ 73,000 |
| Hartford, CT | 120 | $ 9,259,000 | $ 77,158 | $ 70,000 |
| Oakland, CA | 119 | $ 21,782,000 | $ 183,042 | $ 89,000 |
| Cincinnati, OH-KY-IN | 114 | $ 9,570,000 | $ 83,947 | $ 69,000 |
| Orange County, CA | 113 | $ 16,871,000 | $ 149,300 | $ 146,000 |
| St. Louis, MO-IL | 111 | $ 7,605,000 | $ 68,513 | $ 62,000 |
| Milwaukee-Waukesha, WI | 100 | $ 5,748,000 | $ 57,480 | $ 55,000 |
| Grand Rapids-Muskegon-Holland, MI | 86 | $ 7,257,000 | $ 84,383 | $ 59,000 |
| Kansas City, MO-KS | 86 | $ 5,297,000 | $ 61,593 | $ 67,000 |
| West Palm Beach-Boca Raton, FL | 85 | $ 7,372,000 | $ 86,729 | $ 56,000 |
| York, PA | 83 | $ 5,373,000 | $ 64,734 | $ 63,000 |
| Stockton-Lodi, CA | 82 | $ 10,073,000 | $ 122,841 | $ 77,000 |
| Bakersfield, CA | 78 | $ 6,196,000 | $ 79,435 | $ 62,000 |
| Wilmington-Newark, DE-MD | 75 | $ 5,784,000 | $ 77,120 | $ 64,000 |
| Allentown-Bethlehem-Easton, PA | 73 | $ 5,247,000 | $ 71,876 | $ 77,000 |
| Harrisburg-Lebanon-Carlisle, PA | 73 | $ 5,135,000 | $ 70,342 | $ 59,000 |
| Dayton-Springfield, OH | 72 | $ 5,434,000 | $ 75,472 | $ 66,000 |
| Fresno, CA | 69 | $ 5,749,000 | $ 83,318 | $ 62,000 |
| Newark, NJ | 69 | $ 8,241,000 | $ 119,434 | $ 87,000 |
| Miami, FL | 68 | $ 5,318,000 | $ 78,205 | $ 79,000 |
| Monmouth-Ocean, NJ | 66 | $ 8,005,000 | $ 121,287 | $ 74,000 |
| Reno, NV | 66 | $ 4,751,000 | $ 71,984 | $ 67,000 |
| Minneapolis-St. Paul, MN-WI | 65 | $ 3,453,000 | $ 53,123 | $ 51,000 |
| Akron, OH | 64 | $ 5,571,000 | $ 87,046 | $ 69,000 |
| Louisville, KY-IN | 64 | $ 4,040,000 | $ 63,125 | $ 48,000 |
| Sarasota-Bradenton, FL | 60 | $ 4,749,000 | $ 79,150 | $ 62,000 |
| Albuquerque, NM | 55 | $ 3,289,000 | $ 59,800 | $ 64,000 |
| New Orleans, LA | 54 | $ 3,028,000 | $ 56,074 | $ 63,000 |
| Middlesex-Somerset-Hunterdon, NJ | 53 | $ 7,606,000 | $ 143,509 | $ 111,000 |
| Olympia, WA | 53 | $ 3,949,000 | $ 74,509 | $ 64,000 |
| Salem, OR | 53 | $ 4,185,000 | $ 78,962 | $ 69,000 |
| Daytona Beach, FL | 52 | $ 3,397,000 | $ 65,326 | $ 53,000 |
| Lexington, KY | 52 | $ 2,703,000 | $ 51,980 | $ 63,000 |
| San Jose, CA | 51 | $ 10,553,000 | $ 206,921 | $ 109,000 |
| Ann Arbor, MI | 50 | $ 4,637,000 | $ 92,740 | $ 77,000 |
| Oklahoma City, OK | 50 | $ 2,421,000 | $ 48,420 | $ 56,000 |
| Atlanta, GA | 49 | $ 2,694,000 | $ 54,979 | $ 61,000 |
| Greeley, CO | 49 | $ 4,094,000 | $ 83,551 | $ 70,000 |
| Kalamazoo-Battle Creek, MI | 49 | $ 7,099,000 | $ 144,877 | $ 72,000 |
| Lancaster, PA | 49 | $ 3,646,000 | $ 74,408 | $ 66,000 |
| Modesto, CA | 49 | $ 4,414,000 | $ 90,081 | $ 69,000 |
| Providence-Fall River-Warwick, RI-MA | 49 | $ 4,043,000 | $ 82,510 | $ 69,000 |
| Fort Myers-Cape Coral, FL | 48 | $ 3,699,000 | $ 77,062 | $ 102,000 |
| Spokane, WA | 48 | $ 3,158,000 | $ 65,791 | $ 54,000 |
| Vallejo-Fairfield-Napa, CA | 48 | $ 6,511,000 | $ 135,645 | $ 81,000 |
| Greenville-Spartanburg-Anderson, SC | 47 | $ 2,113,000 | $ 44,957 | $ 57,000 |
| Pensacola, FL | 47 | $ 3,674,000 | $ 78,170 | $ 64,000 |
| Lansing-East Lansing, MI | 45 | $ 5,791,000 | $ 128,688 | $ 67,000 |
| Tulsa, OK | 45 | $ 2,107,000 | $ 46,822 | $ 60,000 |
| Bremerton, WA | 44 | $ 3,118,000 | $ 70,863 | $ 65,000 |
| Provo-Orem, UT | 44 | $ 2,684,000 | $ 61,000 | $ 65,000 |
| Lakeland-Winter Haven, FL | 43 | $ 2,593,000 | $ 60,302 | $ 47,000 |
| Madison, WI | 43 | $ 2,401,000 | $ 55,837 | $ 55,000 |
| Youngstown-Warren, OH | 42 | $ 3,497,000 | $ 83,261 | $ 62,000 |
| Anchorage, AK | 41 | $ 2,610,000 | $ 63,658 | $ 72,000 |
| Reading, PA | 41 | $ 2,697,000 | $ 65,780 | $ 62,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 41 | $ 2,144,000 | $ 52,292 | $ 48,000 |
| Melbourne-Titusville-Palm Bay, FL | 39 | $ 2,414,000 | $ 61,897 | $ 54,000 |
| Omaha, NE-IA | 39 | $ 2,107,000 | $ 54,025 | $ 58,000 |
| Canton-Massillon, OH | 37 | $ 2,743,000 | $ 74,135 | $ 57,000 |
| Flint, MI | 36 | $ 2,464,000 | $ 68,444 | $ 61,000 |
| Ventura, CA | 35 | $ 5,915,000 | $ 169,000 | $ 90,000 |
| Boston, MA-NH | 34 | $ 2,921,000 | $ 85,911 | $ 78,000 |
| Fort Walton Beach, FL | 34 | $ 2,071,000 | $ 60,911 | $ 62,000 |
| Hamilton-Middletown, OH | 34 | $ 2,219,000 | $ 65,264 | $ 75,000 |
| Toledo, OH | 33 | $ 2,227,000 | $ 67,484 | $ 48,000 |
| Bergen-Passaic, NJ | 32 | $ 5,636,000 | $ 176,125 | $ 107,000 |
| Des Moines, IA | 31 | $ 1,507,000 | $ 48,612 | $ 59,000 |
| Eugene-Springfield, OR | 31 | $ 2,153,000 | $ 69,451 | $ 67,000 |
| Boise City, ID | 30 | $ 1,692,000 | $ 56,400 | $ 48,000 |
| Baton Rouge, LA | 29 | $ 1,913,000 | $ 65,965 | $ 55,000 |
| Tallahassee, FL | 28 | $ 1,844,000 | $ 65,857 | $ 62,000 |
| Fort Collins-Loveland, CO | 27 | $ 1,898,000 | $ 70,296 | $ 63,000 |
| Hagerstown, MD | 27 | $ 1,827,000 | $ 67,666 | $ 52,000 |
| New Haven-Meriden, CT | 27 | $ 1,530,000 | $ 56,666 | $ 57,000 |
| Rockford, IL | 27 | $ 2,172,000 | $ 80,444 | $ 68,000 |
| Visalia-Tulare-Porterville, CA | 27 | $ 1,691,000 | $ 62,629 | $ 63,000 |
| Appleton-Oshkosh-Neenah, WI | 26 | $ 1,284,000 | $ 49,384 | $ 51,000 |
| Boulder-Longmont, CO | 26 | $ 2,345,000 | $ 90,192 | $ 63,000 |
| Gary, IN | 25 | $ 1,484,000 | $ 59,360 | $ 48,000 |
| Memphis, TN-AR-MS | 25 | $ 1,262,000 | $ 50,480 | $ 57,000 |
| Nashville, TN | 25 | $ 1,368,000 | $ 54,720 | $ 38,000 |
| Naples, FL | 24 | $ 2,114,000 | $ 88,083 | $ 68,000 |
| Nashua, NH | 24 | $ 2,021,000 | $ 84,208 | $ 64,000 |
| Fort Pierce-Port St. Lucie, FL | 23 | $ 1,694,000 | $ 73,652 | $ 60,000 |
| Pueblo, CO | 23 | $ 1,216,000 | $ 52,869 | $ 59,000 |
| San Francisco, CA | 23 | $ 2,985,000 | $ 129,782 | $ 107,000 |
| Merced, CA | 22 | $ 2,074,000 | $ 94,272 | $ 69,000 |
| Richland-Kennewick-Pasco, WA | 22 | $ 1,640,000 | $ 74,545 | $ 63,000 |
| Atlantic-Cape May, NJ | 21 | $ 2,252,000 | $ 107,238 | $ 69,000 |
| Bridgeport, CT | 21 | $ 2,459,000 | $ 117,095 | $ 81,000 |
| Lafayette, LA | 21 | $ 1,077,000 | $ 51,285 | $ 46,000 |
| Saginaw-Bay City-Midland, MI | 21 | $ 1,588,000 | $ 75,619 | $ 69,000 |
| Shreveport-Bossier City, LA | 21 | $ 1,105,000 | $ 52,619 | $ 56,000 |
| New London-Norwich, CT-RI | 20 | $ 1,686,000 | $ 84,300 | $ 69,000 |
| Bellingham, WA | 19 | $ 1,331,000 | $ 70,052 | $ 50,000 |
| Charleston-North Charleston, SC | 19 | $ 884,000 | $ 46,526 | $ 52,000 |
| Erie, PA | 19 | $ 1,445,000 | $ 76,052 | $ 56,000 |
| Lynchburg, VA | 19 | $ 1,352,000 | $ 71,157 | $ 52,000 |
| Santa Rosa, CA | 19 | $ 3,690,000 | $ 194,210 | $ 131,000 |
| Knoxville, TN | 18 | $ 1,114,000 | $ 61,888 | $ 50,000 |
| Manchester, NH | 18 | $ 1,583,000 | $ 87,944 | $ 85,000 |
| Columbia, SC | 17 | $ 958,000 | $ 56,352 | $ 64,000 |
| Grand Junction, CO | 17 | $ 1,103,000 | $ 64,882 | $ 54,000 |
| Janesville-Beloit, WI | 16 | $ 800,000 | $ 50,000 | $ 62,000 |
| Little Rock-North Little Rock, AR | 16 | $ 766,000 | $ 47,875 | $ 71,000 |
| Medford-Ashland, OR | 16 | $ 1,351,000 | $ 84,437 | $ 46,000 |
| Green Bay, WI | 15 | $ 787,000 | $ 52,466 | $ 53,000 |
| Ocala, FL | 15 | $ 672,000 | $ 44,800 | $ 42,000 |
| Jackson, MI | 14 | $ 1,206,000 | $ 86,142 | $ 66,000 |
| Roanoke, VA | 14 | $ 1,221,000 | $ 87,214 | $ 60,000 |
| Chattanooga, TN-GA | 13 | $ 578,000 | $ 44,461 | $ 45,000 |
| Dover, DE | 13 | $ 908,000 | $ 69,846 | $ 76,000 |
| Portland, ME | 13 | $ 1,271,000 | $ 97,769 | $ 53,000 |
| Racine, WI | 13 | $ 618,000 | $ 47,538 | $ 57,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 13 | $ 2,382,000 | $ 183,230 | $ 119,000 |
| Springfield, MO | 13 | $ 1,202,000 | $ 92,461 | $ 67,000 |
| Waterbury, CT | 13 | $ 986,000 | $ 75,846 | $ 77,000 |
| Wichita, KS | 13 | $ 779,000 | $ 59,923 | $ 71,000 |
| Kenosha, WI | 12 | $ 994,000 | $ 82,833 | $ 42,000 |
| Springfield, MA | 12 | $ 630,000 | $ 52,500 | $ 46,000 |
| Yuma, AZ | 12 | $ 729,000 | $ 60,750 | $ 60,000 |
| Gainesville, FL | 11 | $ 653,000 | $ 59,363 | $ 38,000 |
| Jackson, MS | 11 | $ 467,000 | $ 42,454 | $ 25,000 |
| Nassau-Suffolk, NY | 11 | $ 636,000 | $ 57,818 | $ 85,000 |
| Panama City, FL | 11 | $ 846,000 | $ 76,909 | $ 52,000 |
| Punta Gorda, FL | 11 | $ 547,000 | $ 49,727 | $ 62,000 |
| Rapid City, SD | 11 | $ 628,000 | $ 57,090 | $ 38,000 |
| Sioux Falls, SD | 11 | $ 596,000 | $ 54,181 | $ 50,000 |
| Biloxi-Gulfport-Pascagoula, MS | 10 | $ 414,000 | $ 41,400 | $ 33,000 |
| Fort Wayne, IN | 10 | $ 689,000 | $ 68,900 | $ 45,000 |
| Mansfield, OH | 10 | $ 426,000 | $ 42,600 | $ 54,000 |
| Monroe, LA | 10 | $ 466,000 | $ 46,600 | $ 35,000 |
| Portsmouth-Rochester, NH-ME | 10 | $ 1,113,000 | $ 111,300 | $ 79,000 |
| Sharon, PA | 10 | $ 589,000 | $ 58,900 | $ 60,000 |
| Sheboygan, WI | 10 | $ 666,000 | $ 66,600 | $ 59,000 |
| Charlottesville, VA | 9 | $ 666,000 | $ 74,000 | $ 35,000 |
| Lewiston-Auburn, ME | 9 | $ 525,000 | $ 58,333 | $ 54,000 |
| Lima, OH | 9 | $ 730,000 | $ 81,111 | $ 50,000 |
| Peoria-Pekin, IL | 9 | $ 791,000 | $ 87,888 | $ 68,000 |
| Redding, CA | 9 | $ 940,000 | $ 104,444 | $ 48,000 |
| Yakima, WA | 9 | $ 801,000 | $ 89,000 | $ 60,000 |
| Benton Harbor, MI | 8 | $ 492,000 | $ 61,500 | $ 43,000 |
| Cedar Rapids, IA | 8 | $ 443,000 | $ 55,375 | $ 53,000 |
| Eau Claire, WI | 8 | $ 578,000 | $ 72,250 | $ 41,000 |
| Jersey City, NJ | 8 | $ 1,269,000 | $ 158,625 | $ 84,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 8 | $ 310,000 | $ 38,750 | $ 18,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 1,268,000 | $ 158,500 | $ 78,000 |
| Trenton, NJ | 8 | $ 659,000 | $ 82,375 | $ 68,000 |
| Williamsport, PA | 8 | $ 629,000 | $ 78,625 | $ 49,000 |
| Altoona, PA | 7 | $ 309,000 | $ 44,142 | $ 45,000 |
| Chico-Paradise, CA | 7 | $ 345,000 | $ 49,285 | $ 54,000 |
| Cumberland, MD-WV | 7 | $ 346,000 | $ 49,428 | $ 60,000 |
| Danbury, CT | 7 | $ 1,207,000 | $ 172,428 | $ 112,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 528,000 | $ 75,428 | $ 50,000 |
| Decatur, IL | 7 | $ 495,000 | $ 70,714 | $ 87,000 |
| Fitchburg-Leominster, MA | 7 | $ 379,000 | $ 54,142 | $ 47,000 |
| Joplin, MO | 7 | $ 568,000 | $ 81,142 | $ 59,000 |
| Kankakee, IL | 7 | $ 502,000 | $ 71,714 | $ 43,000 |
| Salinas, CA | 7 | $ 993,000 | $ 141,857 | $ 105,000 |
| Santa Fe, NM | 7 | $ 485,000 | $ 69,285 | $ 57,000 |
| St. Joseph, MO | 7 | $ 377,000 | $ 53,857 | $ 51,000 |
| Sumter, SC | 7 | $ 366,000 | $ 52,285 | $ 44,000 |
| Topeka, KS | 7 | $ 446,000 | $ 63,714 | $ 47,000 |
| Worcester, MA-CT | 7 | $ 491,000 | $ 70,142 | $ 67,000 |
| Yolo, CA | 7 | $ 428,000 | $ 61,142 | $ 70,000 |
| Yuba City, CA | 7 | $ 502,000 | $ 71,714 | $ 42,000 |
| Bloomington-Normal, IL | 6 | $ 687,000 | $ 114,500 | $ 83,000 |
| Clarksville-Hopkinsville, TN-KY | 6 | $ 460,000 | $ 76,666 | $ 127,000 |
| Danville, VA | 6 | $ 222,000 | $ 37,000 | $ 46,000 |
| Houma, LA | 6 | $ 354,000 | $ 59,000 | $ 58,000 |
| Johnstown, PA | 6 | $ 333,000 | $ 55,500 | $ 53,000 |
| Kokomo, IN | 6 | $ 263,000 | $ 43,833 | $ 52,000 |
| Lincoln, NE | 6 | $ 331,000 | $ 55,166 | $ 45,000 |
| Raleigh-Durham-Chapel Hill, NC | 6 | $ 328,000 | $ 54,666 | $ 83,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 6 | $ 1,508,000 | $ 251,333 | $ 82,000 |
| Sioux City, IA-NE | 6 | $ 216,000 | $ 36,000 | $ 45,000 |
| Stamford-Norwalk, CT | 6 | $ 996,000 | $ 166,000 | $ 106,000 |
| Augusta-Aiken, GA-SC | 5 | $ 238,000 | $ 47,600 | $ 44,000 |
| Brockton, MA | 5 | $ 266,000 | $ 53,200 | $ 50,000 |
| Casper, WY | 5 | $ 194,000 | $ 38,800 | $ 37,000 |
| Dubuque, IA | 5 | $ 267,000 | $ 53,400 | $ 33,000 |
| Rochester, MN | 5 | $ 214,000 | $ 42,800 | $ 26,000 |
| South Bend, IN | 5 | $ 204,000 | $ 40,800 | $ 21,000 |
| State College, PA | 5 | $ 299,000 | $ 59,800 | $ 79,000 |
| Wausau, WI | 5 | $ 262,000 | $ 52,400 | $ 35,000 |
| Alexandria, LA | 4 | $ 211,000 | $ 52,750 | $ 39,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 192,000 | $ 48,000 | $ 55,000 |
| Champaign-Urbana, IL | 4 | $ 235,000 | $ 58,750 | $ 68,000 |
| Evansville-Henderson, IN-KY | 4 | $ 527,000 | $ 131,750 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR | 4 | $ 216,000 | $ 54,000 | $ 55,000 |
| La Crosse, WI-MN | 4 | $ 194,000 | $ 48,500 | $ 20,000 |
| Lafayette, IN | 4 | $ 301,000 | $ 75,250 | $ 104,000 |
| Lake Charles, LA | 4 | $ 220,000 | $ 55,000 | $ 87,000 |
| Las Cruces, NM | 4 | $ 176,000 | $ 44,000 | $ 41,000 |
| Lawton, OK | 4 | $ 210,000 | $ 52,500 | $ 33,000 |
| Springfield, IL | 4 | $ 244,000 | $ 61,000 | $ 75,000 |
| Billings, MT | 3 | $ 217,000 | $ 72,333 | $ 63,000 |
| Corvallis, OR | 3 | $ 115,000 | $ 38,333 | $ 34,000 |
| Flagstaff, AZ-UT | 3 | $ 267,000 | $ 89,000 | $ 59,000 |
| Greensboro--Winston-Salem--High Point, NC | 3 | $ 151,000 | $ 50,333 | $ 61,000 |
| Hattiesburg, MS | 3 | $ 119,000 | $ 39,666 | $ 29,000 |
| Jackson, TN | 3 | $ 96,000 | $ 32,000 | $ 26,000 |
| Lawrence, MA-NH | 3 | $ 151,000 | $ 50,333 | $ 70,000 |
| Macon, GA | 3 | $ 168,000 | $ 56,000 | $ 50,000 |
| Myrtle Beach, SC | 3 | $ 152,000 | $ 50,666 | $ 68,000 |
| New Bedford, MA | 3 | $ 207,000 | $ 69,000 | $ 66,000 |
| New York, NY | 3 | $ 151,000 | $ 50,333 | $ 24,000 |
| Owensboro, KY | 3 | $ 145,000 | $ 48,333 | $ 24,000 |
| Pocatello, ID | 3 | $ 117,000 | $ 39,000 | $ 26,000 |
| Rochester, NY | 3 | $ 136,000 | $ 45,333 | $ 18,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 203,000 | $ 67,666 | $ 73,000 |
| Bangor, ME | 2 | $ 79,000 | $ 39,500 | $ 36,000 |
| Barnstable-Yarmouth, MA | 2 | $ 250,000 | $ 125,000 | $ 104,000 |
| Cheyenne, WY | 2 | $ 125,000 | $ 62,500 | $ 39,000 |
| Columbia, MO | 2 | $ 103,000 | $ 51,500 | $ 55,000 |
| Duluth-Superior, MN-WI | 2 | $ 112,000 | $ 56,000 | $ 91,000 |
| Florence, SC | 2 | $ 78,000 | $ 39,000 | $ 57,000 |
| Great Falls, MT | 2 | $ 100,000 | $ 50,000 | $ 113,000 |
| Savannah, GA | 2 | $ 72,000 | $ 36,000 | $ 105,000 |
| Terre Haute, IN | 2 | $ 88,000 | $ 44,000 | $ 38,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 87,000 | $ 43,500 | $ 42,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 31,000 | $ 31,000 | $ 76,000 |
| Elkhart-Goshen, IN | 1 | $ 52,000 | $ 52,000 | $ 64,000 |
| Enid, OK | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Hickory-Morganton-Lenoir, NC | 1 | $ 47,000 | $ 47,000 | $ 52,000 |
| Iowa City, IA | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Jamestown, NY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lawrence, KS | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Lowell, MA-NH | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Missoula, MT | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Newburgh, NY-PA | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 29,000 | $ 29,000 | $ 0 |
| St. Cloud, MN | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 112,000 | $ 112,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Irwin Union Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 16,895 | $1,456,040,000 | $71,000 | $1,336,000 | $61,869 | $1,500,000 |
| Home Purchase (one-to-four family) | 460 | $54,835,000 | $119,285 | $500,000 | $116,214 | $750,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 44 | $31,107,000 | $656,400 | $3,300,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 18 | $766,000 | $31,500 | $215,000 | $86,500 | $213,000 |
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 | 8,656 | $855,688,000 | $77,326 | $1,235,000 | $77,434 | $1,500,000 |
| Information not provided by applicant in mail or telephone application | 4,209 | $346,782,000 | $69,133 | $775,000 | $68,222 | $671,000 |
| Not applicable | 3,054 | $203,352,000 | $62,681 | $3,300,000 | $45 | $73,000 |
| Black | 608 | $48,146,000 | $69,909 | $425,000 | $76,393 | $882,000 |
| Hispanic | 465 | $41,910,000 | $70,296 | $492,000 | $68,074 | $720,000 |
| Asian or Pacific Islander | 245 | $30,723,000 | $90,000 | $779,000 | $85,111 | $551,000 |
| Other | 141 | $11,369,000 | $64,428 | $384,000 | $67,828 | $255,000 |
| American Indian or Alaskan Native | 39 | $4,778,000 | $112,187 | $645,000 | $85,187 | $430,000 |
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) | 17,413 | $1,542,466,000 | $71,586 | $3,300,000 | $62,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 3 | $213,000 | $71,000 | $111,000 | $22,000 | $28,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $69,000 | $69,000 | $69,000 | $21,000 | $21,000 |
| 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 | 6,992 | $659,235,000 | $69,181 | $1,700,000 | $83,431 | $1,206,000 |
| Application Denied By Financial Institution | 4,408 | $389,178,000 | $72,130 | $980,000 | $62,152 | $1,500,000 |
| Loan Purchased By The Institution | 3,014 | $185,843,000 | $57,477 | $3,300,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1,720 | $175,287,000 | $80,295 | $914,000 | $60,931 | $750,000 |
| Application Approved But Not Accepted | 1,283 | $133,205,000 | $90,500 | $698,000 | $80,205 | $602,000 |
| File Closed For Incompleteness | 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 | 31 | $2,842,000 | $127,000 | $238,000 | $45,000 | $136,000 |
| Credit History | 18 | $1,575,000 | $119,000 | $167,000 | $60,500 | $125,000 |
| Debt-To-Income Ratio | 18 | $1,971,000 | $134,333 | $234,000 | $37,000 | $76,000 |
| Collateral | 12 | $1,107,000 | $92,000 | $184,000 | $70,000 | $127,000 |
| Employment History | 3 | $297,000 | $99,000 | $119,000 | $61,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $98,000 | $98,000 | $98,000 | $70,000 | $70,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $34,000 | $34,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Irwin Union Bank's 2003 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.
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