Irwin Union Bank Mortgage Lending & HMDA Data, 2004
In 2004, Irwin Union Bank of Columbus, IN reported 15,325 mortgage applications totaling $1.2 billion, down 12% from 2003. The average application was for $75,549, and applicants reported an average income of $64,946. 34% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (587), Columbus, IN (480) and Denver-Aurora, CO (431) (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 | 15,325 |
| Total Mortgage Loan Application Amount | $1,157,797,000 |
| Average Mortgage Loan Application Amount | $75,549 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $64,946 |
| Highest Applicant Income | $826,000 |
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Act (HMDA) records Irwin Union Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Scottsdale, AZ | 587 | $ 55,299,000 | $ 94,206 | $ 64,000 |
| Columbus, IN | 480 | $ 53,842,000 | $ 112,170 | $ 75,000 |
| Denver-Aurora, CO | 431 | $ 34,460,000 | $ 79,953 | $ 73,000 |
| Indianapolis, IN | 406 | $ 47,807,000 | $ 117,751 | $ 66,000 |
| Baltimore-Towson, MD | 376 | $ 27,112,000 | $ 72,106 | $ 74,000 |
| Philadelphia, PA | 337 | $ 22,097,000 | $ 65,569 | $ 77,000 |
| Chicago-Naperville-Joliet, IL | 329 | $ 21,753,000 | $ 66,118 | $ 79,000 |
| Riverside-San Bernardino-Ontario, CA | 321 | $ 29,726,000 | $ 92,604 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 270 | $ 23,182,000 | $ 85,859 | $ 74,000 |
| Los Angeles-Long Beach-Glendale, CA | 265 | $ 27,244,000 | $ 102,807 | $ 100,000 |
| Warren-Farmington Hills-Troy, MI | 234 | $ 17,485,000 | $ 74,722 | $ 79,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 232 | $ 15,691,000 | $ 67,633 | $ 62,000 |
| Colorado Springs, CO | 211 | $ 15,220,000 | $ 72,132 | $ 70,000 |
| Las Vegas-Paradise, NV | 200 | $ 17,633,000 | $ 88,165 | $ 69,000 |
| Portland-Vancouver-Beaverton, OR-WA | 193 | $ 13,779,000 | $ 71,393 | $ 64,000 |
| Cleveland-Elyria-Mentor, OH | 187 | $ 12,100,000 | $ 64,705 | $ 66,000 |
| Orlando, FL | 180 | $ 11,338,000 | $ 62,988 | $ 66,000 |
| Pittsburgh, PA | 180 | $ 10,288,000 | $ 57,155 | $ 60,000 |
| Columbus, OH | 178 | $ 11,137,000 | $ 62,567 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 175 | $ 10,875,000 | $ 62,142 | $ 72,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 168 | $ 16,572,000 | $ 98,642 | $ 81,000 |
| Cincinnati-Middletown, OH-KY-IN | 165 | $ 11,378,000 | $ 68,957 | $ 70,000 |
| Tacoma, WA | 156 | $ 11,097,000 | $ 71,134 | $ 62,000 |
| Richmond, VA | 152 | $ 10,508,000 | $ 69,131 | $ 64,000 |
| Atlanta-Sandy Springs-Marietta, GA | 149 | $ 10,678,000 | $ 71,664 | $ 33,000 |
| Salt Lake City, UT | 148 | $ 9,266,000 | $ 62,608 | $ 71,000 |
| St. Louis, MO-IL | 134 | $ 8,786,000 | $ 65,567 | $ 59,000 |
| San Diego-Carlsbad-San Marcos, CA | 124 | $ 13,384,000 | $ 107,935 | $ 97,000 |
| Jacksonville, FL | 117 | $ 6,991,000 | $ 59,752 | $ 60,000 |
| Detroit-Livonia-Dearborn, MI | 116 | $ 7,400,000 | $ 63,793 | $ 62,000 |
| Oakland-Fremont-Hayward, CA | 107 | $ 13,151,000 | $ 122,906 | $ 96,000 |
| Bethesda-Frederick-Gaithersburg, MD | 104 | $ 9,150,000 | $ 87,980 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 102 | $ 6,121,000 | $ 60,009 | $ 62,000 |
| Bloomington, IN | 101 | $ 18,799,000 | $ 186,128 | $ 61,000 |
| Hartford-West Hartford-East Hartford, CT | 101 | $ 6,750,000 | $ 66,831 | $ 81,000 |
| Tucson, AZ | 99 | $ 5,947,000 | $ 60,070 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 97 | $ 7,729,000 | $ 79,680 | $ 81,000 |
| Santa Ana-Anaheim-Irvine, CA | 96 | $ 12,305,000 | $ 128,177 | $ 111,000 |
| Kansas City, MO-KS | 87 | $ 4,882,000 | $ 56,114 | $ 60,000 |
| York-Hanover, PA | 87 | $ 5,222,000 | $ 60,022 | $ 68,000 |
| Stockton, CA | 86 | $ 9,016,000 | $ 104,837 | $ 84,000 |
| Milwaukee-Waukesha-West Allis, WI | 85 | $ 4,458,000 | $ 52,447 | $ 63,000 |
| Bakersfield, CA | 81 | $ 5,301,000 | $ 65,444 | $ 76,000 |
| Wilmington, DE-MD-NJ | 76 | $ 4,596,000 | $ 60,473 | $ 82,000 |
| New Haven-Milford, CT | 73 | $ 4,046,000 | $ 55,424 | $ 69,000 |
| Grand Rapids-Wyoming, MI | 70 | $ 5,579,000 | $ 79,700 | $ 64,000 |
| Harrisburg-Carlisle, PA | 70 | $ 4,304,000 | $ 61,485 | $ 66,000 |
| Boston-Quincy, MA | 69 | $ 4,082,000 | $ 59,159 | $ 75,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 69 | $ 3,832,000 | $ 55,536 | $ 64,000 |
| Akron, OH | 68 | $ 5,172,000 | $ 76,058 | $ 59,000 |
| Lansing-East Lansing, MI | 62 | $ 4,937,000 | $ 79,629 | $ 56,000 |
| Miami-Miami Beach-Kendall, FL | 62 | $ 4,234,000 | $ 68,290 | $ 72,000 |
| Lancaster, PA | 61 | $ 3,332,000 | $ 54,622 | $ 62,000 |
| New Orleans-Metairie-Kenner, LA | 60 | $ 2,962,000 | $ 49,366 | $ 65,000 |
| Louisville, KY-IN | 59 | $ 3,463,000 | $ 58,694 | $ 60,000 |
| Spokane, WA | 59 | $ 3,337,000 | $ 56,559 | $ 59,000 |
| Kalamazoo-Portage, MI | 58 | $ 9,412,000 | $ 162,275 | $ 72,000 |
| Ogden-Clearfield, UT | 58 | $ 3,017,000 | $ 52,017 | $ 64,000 |
| Reading, PA | 57 | $ 3,554,000 | $ 62,350 | $ 58,000 |
| Dayton, OH | 56 | $ 3,424,000 | $ 61,142 | $ 61,000 |
| Fresno, CA | 54 | $ 3,789,000 | $ 70,166 | $ 68,000 |
| Toledo, OH | 51 | $ 2,791,000 | $ 54,725 | $ 54,000 |
| Providence-New Bedford-Fall River, RI-MA | 50 | $ 3,105,000 | $ 62,100 | $ 69,000 |
| Lake County-Kenosha County, IL-WI | 48 | $ 3,433,000 | $ 71,520 | $ 93,000 |
| Modesto, CA | 48 | $ 3,263,000 | $ 67,979 | $ 77,000 |
| Camden, NJ | 47 | $ 3,133,000 | $ 66,659 | $ 66,000 |
| Bridgeport-Stamford-Norwalk, CT | 46 | $ 5,247,000 | $ 114,065 | $ 94,000 |
| Olympia, WA | 46 | $ 2,950,000 | $ 64,130 | $ 67,000 |
| Salem, OR | 46 | $ 2,587,000 | $ 56,239 | $ 62,000 |
| Worcester, MA | 46 | $ 2,585,000 | $ 56,195 | $ 71,000 |
| Palm Bay-Melbourne-Titusville, FL | 45 | $ 3,178,000 | $ 70,622 | $ 59,000 |
| Provo-Orem, UT | 45 | $ 2,499,000 | $ 55,533 | $ 55,000 |
| Edison, NJ | 44 | $ 3,972,000 | $ 90,272 | $ 71,000 |
| Bremerton-Silverdale, WA | 43 | $ 3,215,000 | $ 74,767 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 43 | $ 2,841,000 | $ 66,069 | $ 60,000 |
| Canton-Massillon, OH | 42 | $ 2,775,000 | $ 66,071 | $ 56,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 42 | $ 3,917,000 | $ 93,261 | $ 91,000 |
| Baton Rouge, LA | 41 | $ 2,050,000 | $ 50,000 | $ 75,000 |
| Portland-South Portland-Biddeford, ME | 41 | $ 2,165,000 | $ 52,804 | $ 46,000 |
| Eugene-Springfield, OR | 40 | $ 2,365,000 | $ 59,125 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 40 | $ 5,063,000 | $ 126,575 | $ 114,000 |
| Lexington-Fayette, KY | 39 | $ 1,718,000 | $ 44,051 | $ 55,000 |
| Pensacola-Ferry Pass-Brent, FL | 39 | $ 2,467,000 | $ 63,256 | $ 66,000 |
| Rockingham County-Strafford County, NH | 39 | $ 1,727,000 | $ 44,282 | $ 72,000 |
| Greeley, CO | 37 | $ 2,559,000 | $ 69,162 | $ 65,000 |
| Lakeland, FL | 37 | $ 2,541,000 | $ 68,675 | $ 63,000 |
| Columbia, SC | 36 | $ 1,600,000 | $ 44,444 | $ 55,000 |
| Flint, MI | 36 | $ 2,503,000 | $ 69,527 | $ 67,000 |
| Reno-Sparks, NV | 36 | $ 3,331,000 | $ 92,527 | $ 70,000 |
| Rockford, IL | 36 | $ 1,830,000 | $ 50,833 | $ 60,000 |
| Springfield, MA | 36 | $ 1,697,000 | $ 47,138 | $ 69,000 |
| Sarasota-Bradenton-Venice, FL | 35 | $ 2,200,000 | $ 62,857 | $ 61,000 |
| Boulder, CO | 34 | $ 3,005,000 | $ 88,382 | $ 99,000 |
| Cambridge-Newton-Framingham, MA | 34 | $ 1,941,000 | $ 57,088 | $ 92,000 |
| Manchester-Nashua, NH | 34 | $ 1,882,000 | $ 55,352 | $ 80,000 |
| Youngstown-Warren-Boardman, OH-PA | 34 | $ 2,474,000 | $ 72,764 | $ 68,000 |
| Fort Collins-Loveland, CO | 33 | $ 2,505,000 | $ 75,909 | $ 69,000 |
| Roanoke, VA | 33 | $ 1,792,000 | $ 54,303 | $ 43,000 |
| Essex County, MA | 32 | $ 1,985,000 | $ 62,031 | $ 69,000 |
| Hagerstown-Martinsburg, MD-WV | 32 | $ 1,889,000 | $ 59,031 | $ 67,000 |
| Madison, WI | 32 | $ 1,787,000 | $ 55,843 | $ 71,000 |
| Scranton--Wilkes-Barre, PA | 32 | $ 1,634,000 | $ 51,062 | $ 49,000 |
| Vallejo-Fairfield, CA | 32 | $ 4,104,000 | $ 128,250 | $ 81,000 |
| Holland-Grand Haven, MI | 31 | $ 2,510,000 | $ 80,967 | $ 97,000 |
| Newark-Union, NJ-PA | 31 | $ 3,568,000 | $ 115,096 | $ 99,000 |
| Omaha-Council Bluffs, NE-IA | 31 | $ 2,019,000 | $ 65,129 | $ 8,000 |
| Port St. Lucie-Fort Pierce, FL | 31 | $ 1,772,000 | $ 57,161 | $ 65,000 |
| San Francisco-San Mateo-Redwood City, CA | 30 | $ 4,122,000 | $ 137,400 | $ 101,000 |
| Norwich-New London, CT | 28 | $ 1,729,000 | $ 61,750 | $ 87,000 |
| Kennewick-Richland-Pasco, WA | 27 | $ 1,916,000 | $ 70,962 | $ 74,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 27 | $ 1,890,000 | $ 70,000 | $ 13,000 |
| Visalia-Porterville, CA | 27 | $ 1,909,000 | $ 70,703 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 25 | $ 1,323,000 | $ 52,920 | $ 46,000 |
| Dover, DE | 25 | $ 1,397,000 | $ 55,880 | $ 55,000 |
| Gary, IN | 25 | $ 1,833,000 | $ 73,320 | $ 47,000 |
| Springfield, MO | 25 | $ 1,279,000 | $ 51,160 | $ 55,000 |
| Charlotte-Gastonia-Concord, NC-SC | 24 | $ 1,762,000 | $ 73,416 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 24 | $ 1,566,000 | $ 65,250 | $ 65,000 |
| Ocala, FL | 24 | $ 1,279,000 | $ 53,291 | $ 59,000 |
| Pueblo, CO | 24 | $ 1,803,000 | $ 75,125 | $ 83,000 |
| Tallahassee, FL | 22 | $ 1,346,000 | $ 61,181 | $ 65,000 |
| Lynchburg, VA | 21 | $ 1,369,000 | $ 65,190 | $ 46,000 |
| Mount Vernon-Anacortes, WA | 21 | $ 1,326,000 | $ 63,142 | $ 67,000 |
| Nashville-Davidson--Murfreesboro, TN | 21 | $ 1,127,000 | $ 53,666 | $ 12,000 |
| Ann Arbor, MI | 20 | $ 1,229,000 | $ 61,450 | $ 58,000 |
| Battle Creek, MI | 20 | $ 1,427,000 | $ 71,350 | $ 69,000 |
| Monroe, MI | 20 | $ 1,318,000 | $ 65,900 | $ 67,000 |
| Charleston-North Charleston, SC | 19 | $ 1,298,000 | $ 68,315 | $ 56,000 |
| Green Bay, WI | 19 | $ 1,020,000 | $ 53,684 | $ 61,000 |
| Merced, CA | 19 | $ 1,565,000 | $ 82,368 | $ 67,000 |
| Oklahoma City, OK | 19 | $ 1,292,000 | $ 68,000 | $ 0 |
| Charlottesville, VA | 18 | $ 1,192,000 | $ 66,222 | $ 58,000 |
| Peoria, IL | 18 | $ 1,105,000 | $ 61,388 | $ 60,000 |
| Redding, CA | 18 | $ 1,226,000 | $ 68,111 | $ 68,000 |
| Springfield, OH | 18 | $ 1,180,000 | $ 65,555 | $ 64,000 |
| Des Moines, IA | 17 | $ 1,247,000 | $ 73,352 | $ 0 |
| Grand Junction, CO | 17 | $ 1,023,000 | $ 60,176 | $ 55,000 |
| Panama City-Lynn Haven, FL | 17 | $ 1,274,000 | $ 74,941 | $ 48,000 |
| Racine, WI | 17 | $ 744,000 | $ 43,764 | $ 52,000 |
| Bellingham, WA | 16 | $ 847,000 | $ 52,937 | $ 58,000 |
| Chico, CA | 16 | $ 1,143,000 | $ 71,437 | $ 58,000 |
| Erie, PA | 16 | $ 979,000 | $ 61,187 | $ 63,000 |
| Greenville, SC | 15 | $ 595,000 | $ 39,666 | $ 49,000 |
| Jackson, MI | 15 | $ 911,000 | $ 60,733 | $ 52,000 |
| Janesville, WI | 15 | $ 739,000 | $ 49,266 | $ 62,000 |
| Lebanon, PA | 15 | $ 766,000 | $ 51,066 | $ 55,000 |
| Prescott, AZ | 15 | $ 1,053,000 | $ 70,200 | $ 77,000 |
| Raleigh-Cary, NC | 15 | $ 771,000 | $ 51,400 | $ 20,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 15 | $ 2,096,000 | $ 139,733 | $ 72,000 |
| Yakima, WA | 15 | $ 1,228,000 | $ 81,866 | $ 87,000 |
| Anchorage, AK | 14 | $ 990,000 | $ 70,714 | $ 0 |
| Medford, OR | 14 | $ 835,000 | $ 59,642 | $ 57,000 |
| Shreveport-Bossier City, LA | 14 | $ 702,000 | $ 50,142 | $ 53,000 |
| Yuba City, CA | 14 | $ 1,077,000 | $ 76,928 | $ 70,000 |
| Barnstable Town, MA | 13 | $ 698,000 | $ 53,692 | $ 56,000 |
| Bloomington-Normal, IL | 13 | $ 694,000 | $ 53,384 | $ 60,000 |
| Lafayette, LA | 13 | $ 536,000 | $ 41,230 | $ 63,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 2,427,000 | $ 186,692 | $ 92,000 |
| Springfield, IL | 13 | $ 671,000 | $ 51,615 | $ 69,000 |
| Niles-Benton Harbor, MI | 12 | $ 795,000 | $ 66,250 | $ 68,000 |
| Oshkosh-Neenah, WI | 12 | $ 630,000 | $ 52,500 | $ 50,000 |
| Trenton-Ewing, NJ | 12 | $ 1,062,000 | $ 88,500 | $ 79,000 |
| Appleton, WI | 11 | $ 602,000 | $ 54,727 | $ 48,000 |
| Boise City-Nampa, ID | 11 | $ 672,000 | $ 61,090 | $ 0 |
| Champaign-Urbana, IL | 11 | $ 695,000 | $ 63,181 | $ 68,000 |
| Muskegon-Norton Shores, MI | 11 | $ 638,000 | $ 58,000 | $ 53,000 |
| Naples-Marco Island, FL | 11 | $ 853,000 | $ 77,545 | $ 41,000 |
| Punta Gorda, FL | 11 | $ 670,000 | $ 60,909 | $ 41,000 |
| Santa Rosa-Petaluma, CA | 11 | $ 1,814,000 | $ 164,909 | $ 98,000 |
| Vero Beach, FL | 11 | $ 557,000 | $ 50,636 | $ 52,000 |
| Yuma, AZ | 11 | $ 555,000 | $ 50,454 | $ 52,000 |
| Augusta-Richmond County, GA-SC | 10 | $ 498,000 | $ 49,800 | $ 0 |
| Bay City, MI | 10 | $ 582,000 | $ 58,200 | $ 52,000 |
| Longview, WA | 10 | $ 626,000 | $ 62,600 | $ 65,000 |
| State College, PA | 10 | $ 645,000 | $ 64,500 | $ 42,000 |
| Tulsa, OK | 10 | $ 577,000 | $ 57,700 | $ 0 |
| Wichita, KS | 10 | $ 474,000 | $ 47,400 | $ 0 |
| Altoona, PA | 9 | $ 377,000 | $ 41,888 | $ 39,000 |
| Bend, OR | 9 | $ 517,000 | $ 57,444 | $ 42,000 |
| Eau Claire, WI | 9 | $ 400,000 | $ 44,444 | $ 54,000 |
| Gainesville, FL | 9 | $ 654,000 | $ 72,666 | $ 54,000 |
| Houma-Bayou Cane-Thibodaux, LA | 9 | $ 474,000 | $ 52,666 | $ 45,000 |
| Salisbury, MD | 9 | $ 526,000 | $ 58,444 | $ 55,000 |
| Sioux Falls, SD | 9 | $ 529,000 | $ 58,777 | $ 0 |
| Winchester, VA-WV | 9 | $ 560,000 | $ 62,222 | $ 34,000 |
| Alexandria, LA | 8 | $ 361,000 | $ 45,125 | $ 45,000 |
| Asheville, NC | 8 | $ 362,000 | $ 45,250 | $ 0 |
| Bangor, ME | 8 | $ 381,000 | $ 47,625 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 551,000 | $ 68,875 | $ 41,000 |
| Columbus, GA-AL | 8 | $ 493,000 | $ 61,625 | $ 0 |
| El Centro, CA | 8 | $ 603,000 | $ 75,375 | $ 61,000 |
| Evansville, IN-KY | 8 | $ 384,000 | $ 48,000 | $ 41,000 |
| Hanford-Corcoran, CA | 8 | $ 568,000 | $ 71,000 | $ 65,000 |
| Jefferson City, MO | 8 | $ 532,000 | $ 66,500 | $ 58,000 |
| Memphis, TN-MS-AR | 8 | $ 576,000 | $ 72,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | $ 469,000 | $ 58,625 | $ 74,000 |
| Wausau, WI | 8 | $ 357,000 | $ 44,625 | $ 43,000 |
| Wenatchee, WA | 8 | $ 704,000 | $ 88,000 | $ 87,000 |
| Albuquerque, NM | 7 | $ 417,000 | $ 59,571 | $ 0 |
| Columbia, MO | 7 | $ 267,000 | $ 38,142 | $ 49,000 |
| Flagstaff, AZ | 7 | $ 930,000 | $ 132,857 | $ 68,000 |
| Harrisonburg, VA | 7 | $ 364,000 | $ 52,000 | $ 67,000 |
| Johnstown, PA | 7 | $ 278,000 | $ 39,714 | $ 43,000 |
| Lewiston-Auburn, ME | 7 | $ 550,000 | $ 78,571 | $ 48,000 |
| Lincoln, NE | 7 | $ 378,000 | $ 54,000 | $ 0 |
| Logan, UT-ID | 7 | $ 543,000 | $ 77,571 | $ 47,000 |
| Madera, CA | 7 | $ 760,000 | $ 108,571 | $ 79,000 |
| Mansfield, OH | 7 | $ 357,000 | $ 51,000 | $ 65,000 |
| Saginaw-Saginaw Township North, MI | 7 | $ 341,000 | $ 48,714 | $ 42,000 |
| Salinas, CA | 7 | $ 715,000 | $ 102,142 | $ 70,000 |
| St. George, UT | 7 | $ 319,000 | $ 45,571 | $ 55,000 |
| Anderson, SC | 6 | $ 273,000 | $ 45,500 | $ 61,000 |
| Decatur, IL | 6 | $ 296,000 | $ 49,333 | $ 73,000 |
| Elizabethtown, KY | 6 | $ 307,000 | $ 51,166 | $ 50,000 |
| Greensboro-High Point, NC | 6 | $ 279,000 | $ 46,500 | $ 0 |
| Joplin, MO | 6 | $ 553,000 | $ 92,166 | $ 69,000 |
| Knoxville, TN | 6 | $ 446,000 | $ 74,333 | $ 0 |
| Lima, OH | 6 | $ 298,000 | $ 49,666 | $ 53,000 |
| Pittsfield, MA | 6 | $ 270,000 | $ 45,000 | $ 46,000 |
| Sandusky, OH | 6 | $ 568,000 | $ 94,666 | $ 63,000 |
| Savannah, GA | 6 | $ 321,000 | $ 53,500 | $ 22,000 |
| Spartanburg, SC | 6 | $ 181,000 | $ 30,166 | $ 41,000 |
| Anderson, IN | 5 | $ 338,000 | $ 67,600 | $ 60,000 |
| Athens-Clarke County, GA | 5 | $ 354,000 | $ 70,800 | $ 0 |
| Atlantic City, NJ | 5 | $ 161,000 | $ 32,200 | $ 51,000 |
| Bowling Green, KY | 5 | $ 300,000 | $ 60,000 | $ 43,000 |
| Carson City, NV | 5 | $ 271,000 | $ 54,200 | $ 69,000 |
| Danville, VA | 5 | $ 201,000 | $ 40,200 | $ 62,000 |
| Fond Du Lac, WI | 5 | $ 272,000 | $ 54,400 | $ 42,000 |
| Jackson, MS | 5 | $ 383,000 | $ 76,600 | $ 0 |
| Kokomo, IN | 5 | $ 265,000 | $ 53,000 | $ 31,000 |
| Lake Charles, LA | 5 | $ 91,000 | $ 18,200 | $ 52,000 |
| New York-Wayne-White Plains, NY-NJ | 5 | $ 510,000 | $ 102,000 | $ 34,000 |
| Owensboro, KY | 5 | $ 154,000 | $ 30,800 | $ 69,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 575,000 | $ 115,000 | $ 47,000 |
| Winston-Salem, NC | 5 | $ 235,000 | $ 47,000 | $ 0 |
| Corvallis, OR | 4 | $ 356,000 | $ 89,000 | $ 65,000 |
| Durham, NC | 4 | $ 200,000 | $ 50,000 | $ 0 |
| Fort Wayne, IN | 4 | $ 178,000 | $ 44,500 | $ 49,000 |
| Lafayette, IN | 4 | $ 236,000 | $ 59,000 | $ 32,000 |
| Michigan City-La Porte, IN | 4 | $ 249,000 | $ 62,250 | $ 40,000 |
| Nassau-Suffolk, NY | 4 | $ 352,000 | $ 88,000 | $ 0 |
| Sheboygan, WI | 4 | $ 160,000 | $ 40,000 | $ 41,000 |
| St. Joseph, MO-KS | 4 | $ 241,000 | $ 60,250 | $ 37,000 |
| Terre Haute, IN | 4 | $ 182,000 | $ 45,500 | $ 34,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 232,000 | $ 58,000 | $ 27,000 |
| Williamsport, PA | 4 | $ 216,000 | $ 54,000 | $ 64,000 |
| Billings, MT | 3 | $ 281,000 | $ 93,666 | $ 0 |
| Casper, WY | 3 | $ 158,000 | $ 52,666 | $ 0 |
| Cheyenne, WY | 3 | $ 194,000 | $ 64,666 | $ 0 |
| Gainesville, GA | 3 | $ 163,000 | $ 54,333 | $ 0 |
| Greenville, NC | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 111,000 | $ 37,000 | $ 0 |
| Idaho Falls, ID | 3 | $ 174,000 | $ 58,000 | $ 0 |
| Iowa City, IA | 3 | $ 144,000 | $ 48,000 | $ 0 |
| Little Rock-North Little Rock, AR | 3 | $ 180,000 | $ 60,000 | $ 0 |
| Napa, CA | 3 | $ 238,000 | $ 79,333 | $ 84,000 |
| Rapid City, SD | 3 | $ 165,000 | $ 55,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 3 | $ 235,000 | $ 78,333 | $ 143,000 |
| Sumter, SC | 3 | $ 85,000 | $ 28,333 | $ 56,000 |
| Topeka, KS | 3 | $ 176,000 | $ 58,666 | $ 0 |
| Albany, GA | 2 | $ 107,000 | $ 53,500 | $ 0 |
| Buffalo-Niagara Falls, NY | 2 | $ 50,000 | $ 25,000 | $ 58,000 |
| Coeur D'Alene, ID | 2 | $ 55,000 | $ 27,500 | $ 52,000 |
| Cumberland, MD-WV | 2 | $ 54,000 | $ 27,000 | $ 49,000 |
| Fayetteville, NC | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Florence, SC | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Kankakee-Bradley, IL | 2 | $ 191,000 | $ 95,500 | $ 63,000 |
| La Crosse, WI-MN | 2 | $ 115,000 | $ 57,500 | $ 29,000 |
| Lawrence, KS | 2 | $ 128,000 | $ 64,000 | $ 0 |
| Pascagoula, MS | 2 | $ 79,000 | $ 39,500 | $ 0 |
| Rochester, NY | 2 | $ 62,000 | $ 31,000 | $ 48,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 98,000 | $ 49,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 43,000 | $ 43,000 | $ 52,000 |
| Chattanooga, TN-GA | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Cleveland, TN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dalton, GA | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Fairbanks, AK | 1 | $ 20,000 | $ 20,000 | $ 84,000 |
| Great Falls, MT | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Jacksonville, NC | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Jonesboro, AR | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Lawton, OK | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Macon, GA | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Monroe, LA | 1 | $ 90,000 | $ 90,000 | $ 162,000 |
| Morristown, TN | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Ocean City, NJ | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Pocatello, ID | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Rochester, MN | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Rome, GA | 1 | $ 70,000 | $ 70,000 | $ 0 |
| San Antonio, TX | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| St. Cloud, MN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Warner Robins, GA | 1 | $ 84,000 | $ 84,000 | $ 54,000 |
| Wilmington, NC | 1 | $ 70,000 | $ 70,000 | $ 0 |
Mortgage Loan Application Detail Totals for Irwin Union Bank in 2004
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 | 9,884 | $840,535,000 | $73,422 | $1,410,000 | $40,377 | $826,000 |
| Home Improvement | 4,877 | $232,138,000 | $46,000 | $680,000 | $57,473 | $701,000 |
| Home Purchase | 564 | $85,124,000 | $186,000 | $4,900,000 | $87,437 | $733,000 |
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 | 9,205 | $681,697,000 | $66,939 | $1,410,000 | $77,242 | $826,000 |
| Not applicable | 2,933 | $233,655,000 | $73,500 | $4,900,000 | $931 | $147,000 |
| Not Provided | 1,464 | $116,270,000 | $66,766 | $680,000 | $75,366 | $600,000 |
| Black or African American | 702 | $47,553,000 | $59,111 | $630,000 | $73,333 | $301,000 |
| Hispanic | 605 | $43,590,000 | $60,185 | $560,000 | $71,666 | $500,000 |
| Asian | 301 | $26,989,000 | $71,666 | $430,000 | $82,541 | $676,000 |
| American Indian or Alaskan Native | 71 | $4,302,000 | $51,894 | $280,000 | $70,631 | $166,000 |
| Native Hawaiian or Other Pacific Islander | 44 | $3,741,000 | $59,888 | $320,000 | $65,888 | $221,000 |
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) | 15,320 | $1,157,391,000 | $66,066 | $4,900,000 | $43,888 | $826,000 |
| FHA-insured (Federal Housing Administration) | 4 | $327,000 | $81,000 | $98,000 | $26,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $44,000 | $44,000 |
| 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 | 5,239 | $435,820,000 | $68,321 | $2,560,000 | $80,071 | $826,000 |
| Application Denied By Financial Institution | 4,027 | $277,429,000 | $58,812 | $680,000 | $66,843 | $628,000 |
| Loan Purchased By The Institution | 2,884 | $215,219,000 | $69,977 | $4,900,000 | $204 | $55,000 |
| Application Withdrawn By Applicant | 1,837 | $137,674,000 | $68,062 | $640,000 | $76,968 | $720,000 |
| Application Approved But Not Accepted | 1,335 | $91,322,000 | $62,250 | $570,000 | $80,178 | $608,000 |
| File Closed For Incompleteness | 3 | $333,000 | $95,000 | $200,000 | $75,500 | $100,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2004 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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