Irwin Union Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Irwin Union Bank 2003 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 | 17,417 |
| Total Mortgage Loan Application Amount | $1,542,748,000 |
| Average Mortgage Loan Application Amount | $123,597 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $69,343 |
| Highest Applicant Income | $1,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 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 2003 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 2003.
| 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 | $ 93,000 | $ 88,000 |
| INDIANAPOLIS, IN | 671 | $ 81,562,000 | $ 121,000 | $ 71,000 |
| DENVER, CO | 465 | $ 39,863,000 | $ 85,000 | $ 77,000 |
| RIVERSIDE-SAN BERNARDINO, CA | 441 | $ 43,123,000 | $ 97,000 | $ 86,000 |
| BALTIMORE, MD | 408 | $ 33,004,000 | $ 80,000 | $ 72,000 |
| LOS ANGELES-LONG BEACH, CA | 396 | $ 47,877,000 | $ 120,000 | $ 95,000 |
| LAS VEGAS, NV-AZ | 344 | $ 26,807,000 | $ 77,000 | $ 65,000 |
| PHILADELPHIA, PA-NJ | 290 | $ 24,711,000 | $ 85,000 | $ 67,000 |
| DETROIT, MI | 280 | $ 22,833,000 | $ 81,000 | $ 71,000 |
| CHICAGO, IL | 263 | $ 27,319,000 | $ 103,000 | $ 75,000 |
| NORFOLK-VIRGINIA BEACH-NEWPORT NEWS, VA-NC | 253 | $ 16,206,000 | $ 64,000 | $ 64,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 253 | $ 23,227,000 | $ 91,000 | $ 72,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 234 | $ 15,863,000 | $ 67,000 | $ 66,000 |
| PORTLAND-VANCOUVER, OR-WA | 226 | $ 16,807,000 | $ 74,000 | $ 68,000 |
| ORLANDO, FL | 212 | $ 15,818,000 | $ 74,000 | $ 68,000 |
| COLORADO SPRINGS, CO | 210 | $ 16,194,000 | $ 77,000 | $ 66,000 |
| COLUMBUS, OH | 203 | $ 13,817,000 | $ 68,000 | $ 58,000 |
| SACRAMENTO, CA | 194 | $ 18,856,000 | $ 97,000 | $ 78,000 |
| CLEVELAND-LORAIN-ELYRIA, OH | 181 | $ 16,420,000 | $ 90,000 | $ 63,000 |
| BLOOMINGTON, IN | 179 | $ 26,733,000 | $ 149,000 | $ 97,000 |
| SALT LAKE CITY-OGDEN, UT | 173 | $ 9,507,000 | $ 54,000 | $ 52,000 |
| RICHMOND-PETERSBURG, VA | 147 | $ 10,588,000 | $ 72,000 | $ 61,000 |
| JACKSONVILLE, FL | 145 | $ 9,806,000 | $ 67,000 | $ 69,000 |
| PITTSBURGH, PA | 144 | $ 10,221,000 | $ 70,000 | $ 60,000 |
| TACOMA, WA | 136 | $ 11,200,000 | $ 82,000 | $ 68,000 |
| SAN DIEGO, CA | 130 | $ 17,867,000 | $ 137,000 | $ 77,000 |
| TUCSON, AZ | 128 | $ 10,726,000 | $ 83,000 | $ 61,000 |
| FORT LAUDERDALE, FL | 120 | $ 10,246,000 | $ 85,000 | $ 73,000 |
| HARTFORD, CT | 120 | $ 9,259,000 | $ 77,000 | $ 70,000 |
| OAKLAND, CA | 119 | $ 21,782,000 | $ 183,000 | $ 89,000 |
| CINCINNATI, OH-KY-IN | 114 | $ 9,570,000 | $ 83,000 | $ 69,000 |
| ORANGE COUNTY, CA | 113 | $ 16,871,000 | $ 149,000 | $ 146,000 |
| ST. LOUIS, MO-IL | 111 | $ 7,605,000 | $ 68,000 | $ 62,000 |
| MILWAUKEE-WAUKESHA, WI | 100 | $ 5,748,000 | $ 57,000 | $ 55,000 |
| GRAND RAPIDS-MUSKEGON-HOLLAND, MI | 86 | $ 7,257,000 | $ 84,000 | $ 59,000 |
| KANSAS CITY, MO-KS | 86 | $ 5,297,000 | $ 61,000 | $ 67,000 |
| WEST PALM BEACH-BOCA RATON, FL | 85 | $ 7,372,000 | $ 86,000 | $ 56,000 |
| YORK, PA | 83 | $ 5,373,000 | $ 64,000 | $ 63,000 |
| STOCKTON-LODI, CA | 82 | $ 10,073,000 | $ 122,000 | $ 77,000 |
| BAKERSFIELD, CA | 78 | $ 6,196,000 | $ 79,000 | $ 62,000 |
| WILMINGTON-NEWARK, DE-MD | 75 | $ 5,784,000 | $ 77,000 | $ 64,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA | 73 | $ 5,247,000 | $ 71,000 | $ 77,000 |
| HARRISBURG-LEBANON-CARLISLE, PA | 73 | $ 5,135,000 | $ 70,000 | $ 59,000 |
| DAYTON-SPRINGFIELD, OH | 72 | $ 5,434,000 | $ 75,000 | $ 66,000 |
| FRESNO, CA | 69 | $ 5,749,000 | $ 83,000 | $ 62,000 |
| NEWARK, NJ | 69 | $ 8,241,000 | $ 119,000 | $ 87,000 |
| MIAMI, FL | 68 | $ 5,318,000 | $ 78,000 | $ 79,000 |
| MONMOUTH-OCEAN, NJ | 66 | $ 8,005,000 | $ 121,000 | $ 74,000 |
| RENO, NV | 66 | $ 4,751,000 | $ 71,000 | $ 67,000 |
| MINNEAPOLIS-ST. PAUL, MN-WI | 65 | $ 3,453,000 | $ 53,000 | $ 51,000 |
| AKRON, OH | 64 | $ 5,571,000 | $ 87,000 | $ 69,000 |
| LOUISVILLE, KY-IN | 64 | $ 4,040,000 | $ 63,000 | $ 48,000 |
| SARASOTA-BRADENTON, FL | 60 | $ 4,749,000 | $ 79,000 | $ 62,000 |
| ALBUQUERQUE, NM | 55 | $ 3,289,000 | $ 59,000 | $ 64,000 |
| NEW ORLEANS, LA | 54 | $ 3,028,000 | $ 56,000 | $ 63,000 |
| MIDDLESEX-SOMERSET-HUNTERDON, NJ | 53 | $ 7,606,000 | $ 143,000 | $ 111,000 |
| OLYMPIA, WA | 53 | $ 3,949,000 | $ 74,000 | $ 64,000 |
| SALEM, OR | 53 | $ 4,185,000 | $ 78,000 | $ 69,000 |
| DAYTONA BEACH, FL | 52 | $ 3,397,000 | $ 65,000 | $ 53,000 |
| LEXINGTON, KY | 52 | $ 2,703,000 | $ 51,000 | $ 63,000 |
| SAN JOSE, CA | 51 | $ 10,553,000 | $ 206,000 | $ 109,000 |
| ANN ARBOR, MI | 50 | $ 4,637,000 | $ 92,000 | $ 77,000 |
| OKLAHOMA CITY, OK | 50 | $ 2,421,000 | $ 48,000 | $ 56,000 |
| ATLANTA, GA | 49 | $ 2,694,000 | $ 54,000 | $ 61,000 |
| GREELEY, CO | 49 | $ 4,094,000 | $ 83,000 | $ 70,000 |
| KALAMAZOO-BATTLE CREEK, MI | 49 | $ 7,099,000 | $ 144,000 | $ 72,000 |
| LANCASTER, PA | 49 | $ 3,646,000 | $ 74,000 | $ 66,000 |
| MODESTO, CA | 49 | $ 4,414,000 | $ 90,000 | $ 69,000 |
| PROVIDENCE-FALL RIVER-WARWICK, RI-MA | 49 | $ 4,043,000 | $ 82,000 | $ 69,000 |
| FORT MYERS-CAPE CORAL, FL | 48 | $ 3,699,000 | $ 77,000 | $ 102,000 |
| SPOKANE, WA | 48 | $ 3,158,000 | $ 65,000 | $ 54,000 |
| VALLEJO-FAIRFIELD-NAPA, CA | 48 | $ 6,511,000 | $ 135,000 | $ 81,000 |
| GREENVILLE-SPARTANBURG-ANDERSON, SC | 47 | $ 2,113,000 | $ 44,000 | $ 57,000 |
| PENSACOLA, FL | 47 | $ 3,674,000 | $ 78,000 | $ 64,000 |
| LANSING-EAST LANSING, MI | 45 | $ 5,791,000 | $ 128,000 | $ 67,000 |
| TULSA, OK | 45 | $ 2,107,000 | $ 46,000 | $ 60,000 |
| BREMERTON, WA | 44 | $ 3,118,000 | $ 70,000 | $ 65,000 |
| PROVO-OREM, UT | 44 | $ 2,684,000 | $ 61,000 | $ 65,000 |
| LAKELAND-WINTER HAVEN, FL | 43 | $ 2,593,000 | $ 60,000 | $ 47,000 |
| MADISON, WI | 43 | $ 2,401,000 | $ 55,000 | $ 55,000 |
| YOUNGSTOWN-WARREN, OH | 42 | $ 3,497,000 | $ 83,000 | $ 62,000 |
| ANCHORAGE, AK | 41 | $ 2,610,000 | $ 63,000 | $ 72,000 |
| READING, PA | 41 | $ 2,697,000 | $ 65,000 | $ 62,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 41 | $ 2,144,000 | $ 52,000 | $ 48,000 |
| MELBOURNE-TITUSVILLE-PALM BAY, FL | 39 | $ 2,414,000 | $ 61,000 | $ 54,000 |
| OMAHA, NE-IA | 39 | $ 2,107,000 | $ 54,000 | $ 58,000 |
| CANTON-MASSILLON, OH | 37 | $ 2,743,000 | $ 74,000 | $ 57,000 |
| FLINT, MI | 36 | $ 2,464,000 | $ 68,000 | $ 61,000 |
| VENTURA, CA | 35 | $ 5,915,000 | $ 169,000 | $ 90,000 |
| BOSTON, MA-NH | 34 | $ 2,921,000 | $ 85,000 | $ 78,000 |
| FORT WALTON BEACH, FL | 34 | $ 2,071,000 | $ 60,000 | $ 62,000 |
| HAMILTON-MIDDLETOWN, OH | 34 | $ 2,219,000 | $ 65,000 | $ 75,000 |
| TOLEDO, OH | 33 | $ 2,227,000 | $ 67,000 | $ 48,000 |
| BERGEN-PASSAIC, NJ | 32 | $ 5,636,000 | $ 176,000 | $ 107,000 |
| DES MOINES, IA | 31 | $ 1,507,000 | $ 48,000 | $ 59,000 |
| EUGENE-SPRINGFIELD, OR | 31 | $ 2,153,000 | $ 69,000 | $ 67,000 |
| BOISE CITY, ID | 30 | $ 1,692,000 | $ 56,000 | $ 48,000 |
| BATON ROUGE, LA | 29 | $ 1,913,000 | $ 65,000 | $ 55,000 |
| TALLAHASSEE, FL | 28 | $ 1,844,000 | $ 65,000 | $ 62,000 |
| FORT COLLINS-LOVELAND, CO | 27 | $ 1,898,000 | $ 70,000 | $ 63,000 |
| HAGERSTOWN, MD | 27 | $ 1,827,000 | $ 67,000 | $ 52,000 |
| NEW HAVEN-MERIDEN, CT | 27 | $ 1,530,000 | $ 56,000 | $ 57,000 |
| ROCKFORD, IL | 27 | $ 2,172,000 | $ 80,000 | $ 68,000 |
| VISALIA-TULARE-PORTERVILLE, CA | 27 | $ 1,691,000 | $ 62,000 | $ 63,000 |
| APPLETON-OSHKOSH-NEENAH, WI | 26 | $ 1,284,000 | $ 49,000 | $ 51,000 |
| BOULDER-LONGMONT, CO | 26 | $ 2,345,000 | $ 90,000 | $ 63,000 |
| GARY, IN | 25 | $ 1,484,000 | $ 59,000 | $ 48,000 |
| MEMPHIS, TN-AR-MS | 25 | $ 1,262,000 | $ 50,000 | $ 57,000 |
| NASHVILLE, TN | 25 | $ 1,368,000 | $ 54,000 | $ 38,000 |
| NAPLES, FL | 24 | $ 2,114,000 | $ 88,000 | $ 68,000 |
| NASHUA, NH | 24 | $ 2,021,000 | $ 84,000 | $ 64,000 |
| FORT PIERCE-PORT ST. LUCIE, FL | 23 | $ 1,694,000 | $ 73,000 | $ 60,000 |
| PUEBLO, CO | 23 | $ 1,216,000 | $ 52,000 | $ 59,000 |
| SAN FRANCISCO, CA | 23 | $ 2,985,000 | $ 129,000 | $ 107,000 |
| MERCED, CA | 22 | $ 2,074,000 | $ 94,000 | $ 69,000 |
| RICHLAND-KENNEWICK-PASCO, WA | 22 | $ 1,640,000 | $ 74,000 | $ 63,000 |
| ATLANTIC-CAPE MAY, NJ | 21 | $ 2,252,000 | $ 107,000 | $ 69,000 |
| BRIDGEPORT, CT | 21 | $ 2,459,000 | $ 117,000 | $ 81,000 |
| LAFAYETTE, LA | 21 | $ 1,077,000 | $ 51,000 | $ 46,000 |
| SAGINAW-BAY CITY-MIDLAND, MI | 21 | $ 1,588,000 | $ 75,000 | $ 69,000 |
| SHREVEPORT-BOSSIER CITY, LA | 21 | $ 1,105,000 | $ 52,000 | $ 56,000 |
| NEW LONDON-NORWICH, CT-RI | 20 | $ 1,686,000 | $ 84,000 | $ 69,000 |
| BELLINGHAM, WA | 19 | $ 1,331,000 | $ 70,000 | $ 50,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 19 | $ 884,000 | $ 46,000 | $ 52,000 |
| ERIE, PA | 19 | $ 1,445,000 | $ 76,000 | $ 56,000 |
| LYNCHBURG, VA | 19 | $ 1,352,000 | $ 71,000 | $ 52,000 |
| SANTA ROSA, CA | 19 | $ 3,690,000 | $ 194,000 | $ 131,000 |
| KNOXVILLE, TN | 18 | $ 1,114,000 | $ 61,000 | $ 50,000 |
| MANCHESTER, NH | 18 | $ 1,583,000 | $ 87,000 | $ 85,000 |
| COLUMBIA, SC | 17 | $ 958,000 | $ 56,000 | $ 64,000 |
| GRAND JUNCTION, CO | 17 | $ 1,103,000 | $ 64,000 | $ 54,000 |
| JANESVILLE-BELOIT, WI | 16 | $ 800,000 | $ 50,000 | $ 62,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 16 | $ 766,000 | $ 47,000 | $ 71,000 |
| MEDFORD-ASHLAND, OR | 16 | $ 1,351,000 | $ 84,000 | $ 46,000 |
| GREEN BAY, WI | 15 | $ 787,000 | $ 52,000 | $ 53,000 |
| OCALA, FL | 15 | $ 672,000 | $ 44,000 | $ 42,000 |
| JACKSON, MI | 14 | $ 1,206,000 | $ 86,000 | $ 66,000 |
| ROANOKE, VA | 14 | $ 1,221,000 | $ 87,000 | $ 60,000 |
| CHATTANOOGA, TN-GA | 13 | $ 578,000 | $ 44,000 | $ 45,000 |
| DOVER, DE | 13 | $ 908,000 | $ 69,000 | $ 76,000 |
| PORTLAND, ME | 13 | $ 1,271,000 | $ 97,000 | $ 53,000 |
| RACINE, WI | 13 | $ 618,000 | $ 47,000 | $ 57,000 |
| SANTA BARBARA-SANTA MARIA-LOMPOC, CA | 13 | $ 2,382,000 | $ 183,000 | $ 119,000 |
| SPRINGFIELD, MO | 13 | $ 1,202,000 | $ 92,000 | $ 67,000 |
| WATERBURY, CT | 13 | $ 986,000 | $ 75,000 | $ 77,000 |
| WICHITA, KS | 13 | $ 779,000 | $ 59,000 | $ 71,000 |
| KENOSHA, WI | 12 | $ 994,000 | $ 82,000 | $ 42,000 |
| SPRINGFIELD, MA | 12 | $ 630,000 | $ 52,000 | $ 46,000 |
| YUMA, AZ | 12 | $ 729,000 | $ 60,000 | $ 60,000 |
| GAINESVILLE, FL | 11 | $ 653,000 | $ 59,000 | $ 38,000 |
| JACKSON, MS | 11 | $ 467,000 | $ 42,000 | $ 25,000 |
| NASSAU-SUFFOLK, NY | 11 | $ 636,000 | $ 57,000 | $ 85,000 |
| PANAMA CITY, FL | 11 | $ 846,000 | $ 76,000 | $ 52,000 |
| PUNTA GORDA, FL | 11 | $ 547,000 | $ 49,000 | $ 62,000 |
| RAPID CITY, SD | 11 | $ 628,000 | $ 57,000 | $ 38,000 |
| SIOUX FALLS, SD | 11 | $ 596,000 | $ 54,000 | $ 50,000 |
| BILOXI-GULFPORT-PASCAGOULA, MS | 10 | $ 414,000 | $ 41,000 | $ 33,000 |
| FORT WAYNE, IN | 10 | $ 689,000 | $ 68,000 | $ 45,000 |
| MANSFIELD, OH | 10 | $ 426,000 | $ 42,000 | $ 54,000 |
| MONROE, LA | 10 | $ 466,000 | $ 46,000 | $ 35,000 |
| PORTSMOUTH-ROCHESTER, NH-ME | 10 | $ 1,113,000 | $ 111,000 | $ 79,000 |
| SHARON, PA | 10 | $ 589,000 | $ 58,000 | $ 60,000 |
| SHEBOYGAN, WI | 10 | $ 666,000 | $ 66,000 | $ 59,000 |
| CHARLOTTESVILLE, VA | 9 | $ 666,000 | $ 74,000 | $ 35,000 |
| LEWISTON-AUBURN, ME | 9 | $ 525,000 | $ 58,000 | $ 54,000 |
| LIMA, OH | 9 | $ 730,000 | $ 81,000 | $ 50,000 |
| PEORIA-PEKIN, IL | 9 | $ 791,000 | $ 87,000 | $ 68,000 |
| REDDING, CA | 9 | $ 940,000 | $ 104,000 | $ 48,000 |
| YAKIMA, WA | 9 | $ 801,000 | $ 89,000 | $ 60,000 |
| BENTON HARBOR, MI | 8 | $ 492,000 | $ 61,000 | $ 43,000 |
| CEDAR RAPIDS, IA | 8 | $ 443,000 | $ 55,000 | $ 53,000 |
| EAU CLAIRE, WI | 8 | $ 578,000 | $ 72,000 | $ 41,000 |
| JERSEY CITY, NJ | 8 | $ 1,269,000 | $ 158,000 | $ 84,000 |
| JOHNSON CITY-KINGSPORT-BRISTOL, TN-VA | 8 | $ 310,000 | $ 38,000 | $ 18,000 |
| SANTA CRUZ-WATSONVILLE, CA | 8 | $ 1,268,000 | $ 158,000 | $ 78,000 |
| TRENTON, NJ | 8 | $ 659,000 | $ 82,000 | $ 68,000 |
| WILLIAMSPORT, PA | 8 | $ 629,000 | $ 78,000 | $ 49,000 |
| ALTOONA, PA | 7 | $ 309,000 | $ 44,000 | $ 45,000 |
| CHICO-PARADISE, CA | 7 | $ 345,000 | $ 49,000 | $ 54,000 |
| CUMBERLAND, MD-WV | 7 | $ 346,000 | $ 49,000 | $ 60,000 |
| DANBURY, CT | 7 | $ 1,207,000 | $ 172,000 | $ 112,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 7 | $ 528,000 | $ 75,000 | $ 50,000 |
| DECATUR, IL | 7 | $ 495,000 | $ 70,000 | $ 87,000 |
| FITCHBURG-LEOMINSTER, MA | 7 | $ 379,000 | $ 54,000 | $ 47,000 |
| JOPLIN, MO | 7 | $ 568,000 | $ 81,000 | $ 59,000 |
| KANKAKEE, IL | 7 | $ 502,000 | $ 71,000 | $ 43,000 |
| SALINAS, CA | 7 | $ 993,000 | $ 141,000 | $ 105,000 |
| SANTA FE, NM | 7 | $ 485,000 | $ 69,000 | $ 57,000 |
| ST. JOSEPH, MO | 7 | $ 377,000 | $ 53,000 | $ 51,000 |
| SUMTER, SC | 7 | $ 366,000 | $ 52,000 | $ 44,000 |
| TOPEKA, KS | 7 | $ 446,000 | $ 63,000 | $ 47,000 |
| WORCESTER, MA-CT | 7 | $ 491,000 | $ 70,000 | $ 67,000 |
| YOLO, CA | 7 | $ 428,000 | $ 61,000 | $ 70,000 |
| YUBA CITY, CA | 7 | $ 502,000 | $ 71,000 | $ 42,000 |
| BLOOMINGTON-NORMAL, IL | 6 | $ 687,000 | $ 114,000 | $ 83,000 |
| CLARKSVILLE-HOPKINSVILLE, TN-KY | 6 | $ 460,000 | $ 76,000 | $ 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 | $ 55,000 | $ 53,000 |
| KOKOMO, IN | 6 | $ 263,000 | $ 43,000 | $ 52,000 |
| LINCOLN, NE | 6 | $ 331,000 | $ 55,000 | $ 45,000 |
| RALEIGH-DURHAM-CHAPEL HILL, NC | 6 | $ 328,000 | $ 54,000 | $ 83,000 |
| SAN LUIS OBISPO-ATASCADERO-PASO ROBLES, CA | 6 | $ 1,508,000 | $ 251,000 | $ 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 | $ 47,000 | $ 44,000 |
| BROCKTON, MA | 5 | $ 266,000 | $ 53,000 | $ 50,000 |
| CASPER, WY | 5 | $ 194,000 | $ 38,000 | $ 37,000 |
| DUBUQUE, IA | 5 | $ 267,000 | $ 53,000 | $ 33,000 |
| ROCHESTER, MN | 5 | $ 214,000 | $ 42,000 | $ 26,000 |
| SOUTH BEND, IN | 5 | $ 204,000 | $ 40,000 | $ 21,000 |
| STATE COLLEGE, PA | 5 | $ 299,000 | $ 59,000 | $ 79,000 |
| WAUSAU, WI | 5 | $ 262,000 | $ 52,000 | $ 35,000 |
| ALEXANDRIA, LA | 4 | $ 211,000 | $ 52,000 | $ 39,000 |
| BUFFALO-NIAGARA FALLS, NY | 4 | $ 192,000 | $ 48,000 | $ 55,000 |
| CHAMPAIGN-URBANA, IL | 4 | $ 235,000 | $ 58,000 | $ 68,000 |
| EVANSVILLE-HENDERSON, IN-KY | 4 | $ 527,000 | $ 131,000 | $ 79,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 4 | $ 216,000 | $ 54,000 | $ 55,000 |
| LA CROSSE, WI-MN | 4 | $ 194,000 | $ 48,000 | $ 20,000 |
| LAFAYETTE, IN | 4 | $ 301,000 | $ 75,000 | $ 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 | $ 52,000 | $ 33,000 |
| SPRINGFIELD, IL | 4 | $ 244,000 | $ 61,000 | $ 75,000 |
| BILLINGS, MT | 3 | $ 217,000 | $ 72,000 | $ 63,000 |
| CORVALLIS, OR | 3 | $ 115,000 | $ 38,000 | $ 34,000 |
| FLAGSTAFF, AZ-UT | 3 | $ 267,000 | $ 89,000 | $ 59,000 |
| GREENSBORO--WINSTON-SALEM--HIGH POINT, NC | 3 | $ 151,000 | $ 50,000 | $ 61,000 |
| HATTIESBURG, MS | 3 | $ 119,000 | $ 39,000 | $ 29,000 |
| JACKSON, TN | 3 | $ 96,000 | $ 32,000 | $ 26,000 |
| LAWRENCE, MA-NH | 3 | $ 151,000 | $ 50,000 | $ 70,000 |
| MACON, GA | 3 | $ 168,000 | $ 56,000 | $ 50,000 |
| MYRTLE BEACH, SC | 3 | $ 152,000 | $ 50,000 | $ 68,000 |
| NEW BEDFORD, MA | 3 | $ 207,000 | $ 69,000 | $ 66,000 |
| NEW YORK, NY | 3 | $ 151,000 | $ 50,000 | $ 24,000 |
| OWENSBORO, KY | 3 | $ 145,000 | $ 48,000 | $ 24,000 |
| POCATELLO, ID | 3 | $ 117,000 | $ 39,000 | $ 26,000 |
| ROCHESTER, NY | 3 | $ 136,000 | $ 45,000 | $ 18,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 3 | $ 203,000 | $ 67,000 | $ 73,000 |
| BANGOR, ME | 2 | $ 79,000 | $ 39,000 | $ 36,000 |
| BARNSTABLE-YARMOUTH, MA | 2 | $ 250,000 | $ 125,000 | $ 104,000 |
| CHEYENNE, WY | 2 | $ 125,000 | $ 62,000 | $ 39,000 |
| COLUMBIA, MO | 2 | $ 103,000 | $ 51,000 | $ 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 | $ 43,000 | $ 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.