Lasalle Bank Midwest, NA Mortgage Lending & HMDA Data, 2005
In 2005, Lasalle Bank Midwest, NA of Troy, MI reported 7,826 mortgage applications totaling $572.3 million, up 85% from 2004. The average application was for $73,128, and applicants reported an average income of $80,308. 53% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Warren-Farmington Hills-Troy, MI (2,517), Detroit-Livonia-Dearborn, MI (1,858) and Kalamazoo-Portage, MI (392) (applications in parentheses).
| Mortgage Company & Address | Lasalle Bank Midwest, NA 2600 West Big Beaver Road Troy, MI 48084 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,826 |
| Total Mortgage Loan Application Amount | $572,305,000 |
| Average Mortgage Loan Application Amount | $73,128 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $80,308 |
| Highest Applicant Income | $3,337,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lasalle Bank Midwest, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Warren-Farmington Hills-Troy, MI | 2,517 | $ 203,991,000 | $ 81,045 | $ 96,000 |
| Detroit-Livonia-Dearborn, MI | 1,858 | $ 100,182,000 | $ 53,919 | $ 66,000 |
| Kalamazoo-Portage, MI | 392 | $ 28,863,000 | $ 73,630 | $ 65,000 |
| Grand Rapids-Wyoming, MI | 325 | $ 23,070,000 | $ 70,984 | $ 64,000 |
| Monroe, MI | 315 | $ 20,023,000 | $ 63,565 | $ 70,000 |
| Jackson, MI | 246 | $ 12,665,000 | $ 51,483 | $ 62,000 |
| Lansing-East Lansing, MI | 224 | $ 12,915,000 | $ 57,656 | $ 79,000 |
| Saginaw-Saginaw Township North, MI | 212 | $ 8,741,000 | $ 41,231 | $ 59,000 |
| Ann Arbor, MI | 209 | $ 18,316,000 | $ 87,636 | $ 78,000 |
| Flint, MI | 207 | $ 14,989,000 | $ 72,410 | $ 68,000 |
| Niles-Benton Harbor, MI | 130 | $ 9,158,000 | $ 70,446 | $ 50,000 |
| South Bend-Mishawaka, IN-MI | 83 | $ 4,189,000 | $ 50,469 | $ 97,000 |
| Holland-Grand Haven, MI | 81 | $ 8,593,000 | $ 106,086 | $ 114,000 |
| Battle Creek, MI | 74 | $ 5,556,000 | $ 75,081 | $ 57,000 |
| Bay City, MI | 63 | $ 3,175,000 | $ 50,396 | $ 64,000 |
| Elkhart-Goshen, IN | 57 | $ 3,594,000 | $ 63,052 | $ 51,000 |
| Toledo, OH | 33 | $ 1,394,000 | $ 42,242 | $ 63,000 |
| Nassau-Suffolk, NY | 13 | $ 1,796,000 | $ 138,153 | $ 149,000 |
| Fort Wayne, IN | 9 | $ 338,000 | $ 37,555 | $ 60,000 |
| New York-Wayne-White Plains, NY-NJ | 9 | $ 1,388,000 | $ 154,222 | $ 258,000 |
| Naples-Marco Island, FL | 8 | $ 15,647,000 | $ 1,955,875 | $ 1,260,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 1,620,000 | $ 231,428 | $ 170,000 |
| Nashville-Davidson--Murfreesboro, TN | 6 | $ 143,000 | $ 23,833 | $ 60,000 |
| Edison, NJ | 5 | $ 467,000 | $ 93,400 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,683,000 | $ 336,600 | $ 385,000 |
| Indianapolis, IN | 5 | $ 225,000 | $ 45,000 | $ 109,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,171,000 | $ 234,200 | $ 214,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 673,000 | $ 134,600 | $ 134,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 124,000 | $ 24,800 | $ 48,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 190,000 | $ 47,500 | $ 47,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 139,000 | $ 34,750 | $ 49,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 159,000 | $ 39,750 | $ 90,000 |
| Mobile, AL | 4 | $ 115,000 | $ 28,750 | $ 60,000 |
| Muskegon-Norton Shores, MI | 4 | $ 163,000 | $ 40,750 | $ 57,000 |
| Orlando, FL | 4 | $ 126,000 | $ 31,500 | $ 60,000 |
| Birmingham-Hoover, AL | 3 | $ 68,000 | $ 22,666 | $ 78,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 18,000 | $ 6,000 | $ 37,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,110,000 | $ 370,000 | $ 580,000 |
| Las Vegas-Paradise, NV | 3 | $ 287,000 | $ 95,666 | $ 159,000 |
| Michigan City-La Porte, IN | 3 | $ 81,000 | $ 27,000 | $ 44,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 191,000 | $ 63,666 | $ 128,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 297,000 | $ 99,000 | $ 106,000 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 182,000 | $ 60,666 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 520,000 | $ 173,333 | $ 132,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 3,206,000 | $ 1,068,666 | $ 1,171,000 |
| Akron, OH | 2 | $ 113,000 | $ 56,500 | $ 131,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 201,000 | $ 100,500 | $ 130,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 80,000 | $ 40,000 | $ 53,000 |
| Bakersfield, CA | 2 | $ 80,000 | $ 40,000 | $ 93,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Camden, NJ | 2 | $ 92,000 | $ 46,000 | $ 49,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 83,000 | $ 41,500 | $ 65,000 |
| Columbia, SC | 2 | $ 35,000 | $ 17,500 | $ 40,000 |
| Durham, NC | 2 | $ 128,000 | $ 64,000 | $ 66,000 |
| Jacksonville, FL | 2 | $ 25,000 | $ 12,500 | $ 17,000 |
| Kansas City, MO-KS | 2 | $ 44,000 | $ 22,000 | $ 22,000 |
| Lancaster, PA | 2 | $ 31,000 | $ 15,500 | $ 73,000 |
| Newark-Union, NJ-PA | 2 | $ 205,000 | $ 102,500 | $ 77,000 |
| Ocala, FL | 2 | $ 171,000 | $ 85,500 | $ 59,000 |
| Philadelphia, PA | 2 | $ 60,000 | $ 30,000 | $ 88,000 |
| Reno-Sparks, NV | 2 | $ 2,313,000 | $ 1,156,500 | $ 436,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 851,000 | $ 425,500 | $ 884,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 488,000 | $ 244,000 | $ 129,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 1,470,000 | $ 735,000 | $ 331,000 |
| Utica-Rome, NY | 2 | $ 61,000 | $ 30,500 | $ 66,000 |
| Worcester, MA | 2 | $ 50,000 | $ 25,000 | $ 40,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Albuquerque, NM | 1 | $ 6,000 | $ 6,000 | $ 51,000 |
| Ames, IA | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Appleton, WI | 1 | $ 188,000 | $ 188,000 | $ 540,000 |
| Atlantic City, NJ | 1 | $ 5,000 | $ 5,000 | $ 84,000 |
| Baltimore-Towson, MD | 1 | $ 70,000 | $ 70,000 | $ 107,000 |
| Baton Rouge, LA | 1 | $ 54,000 | $ 54,000 | $ 45,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Canton-Massillon, OH | 1 | $ 30,000 | $ 30,000 | $ 83,000 |
| Chattanooga, TN-GA | 1 | $ 116,000 | $ 116,000 | $ 67,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 168,000 | $ 168,000 | $ 423,000 |
| Clarksville, TN-KY | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Cleveland, TN | 1 | $ 9,000 | $ 9,000 | $ 18,000 |
| Colorado Springs, CO | 1 | $ 81,000 | $ 81,000 | $ 81,000 |
| Columbus, OH | 1 | $ 6,000 | $ 6,000 | $ 32,000 |
| Danville, VA | 1 | $ 5,000 | $ 5,000 | $ 66,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 50,000 | $ 50,000 | $ 130,000 |
| Dayton, OH | 1 | $ 43,000 | $ 43,000 | $ 65,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 91,000 |
| Des Moines, IA | 1 | $ 47,000 | $ 47,000 | $ 30,000 |
| Fargo, ND-MN | 1 | $ 340,000 | $ 340,000 | $ 552,000 |
| Fayetteville, NC | 1 | $ 6,000 | $ 6,000 | $ 49,000 |
| Gary, IN | 1 | $ 162,000 | $ 162,000 | $ 108,000 |
| Hanford-Corcoran, CA | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 42,000 | $ 42,000 | $ 129,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 134,000 | $ 134,000 | $ 105,000 |
| Huntsville, AL | 1 | $ 60,000 | $ 60,000 | $ 60,000 |
| Kingston, NY | 1 | $ 224,000 | $ 224,000 | $ 2,040,000 |
| Lakeland, FL | 1 | $ 14,000 | $ 14,000 | $ 72,000 |
| Little Rock-North Little Rock, AR | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Louisville, KY-IN | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| New Haven-Milford, CT | 1 | $ 12,000 | $ 12,000 | $ 58,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 25,000 | $ 25,000 | $ 87,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 28,000 | $ 28,000 | $ 28,000 |
| Pittsburgh, PA | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 14,000 | $ 14,000 | $ 55,000 |
| Provo-Orem, UT | 1 | $ 18,000 | $ 18,000 | $ 46,000 |
| Racine, WI | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Raleigh-Cary, NC | 1 | $ 86,000 | $ 86,000 | $ 62,000 |
| Roanoke, VA | 1 | $ 27,000 | $ 27,000 | $ 93,000 |
| Salt Lake City, UT | 1 | $ 540,000 | $ 540,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 250,000 | $ 250,000 | $ 71,000 |
| Spokane, WA | 1 | $ 112,000 | $ 112,000 | $ 64,000 |
| State College, PA | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| Syracuse, NY | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Wilmington, DE-MD-NJ | 1 | $ 40,000 | $ 40,000 | $ 97,000 |
| Wilmington, NC | 1 | $ 460,000 | $ 460,000 | $ 538,000 |
| Yakima, WA | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| York-Hanover, PA | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Lasalle Bank Midwest, NA 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 |
|---|---|---|---|---|---|---|
| Refinancing | 5,419 | $431,141,000 | $102,588 | $2,900,000 | $179,500 | $3,000,000 |
| Home Improvement | 2,156 | $67,228,000 | $23,233 | $1,575,000 | $56,633 | $1,807,000 |
| Home Purchase | 251 | $73,936,000 | $479,133 | $7,500,000 | $472,733 | $3,337,000 |
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 | 5,434 | $425,110,000 | $135,951 | $7,500,000 | $196,365 | $3,337,000 |
| Not Provided | 1,219 | $78,524,000 | $101,551 | $1,500,000 | $92,931 | $1,825,000 |
| Black or African American | 795 | $33,408,000 | $45,454 | $572,000 | $53,454 | $390,000 |
| Hispanic | 158 | $7,827,000 | $51,222 | $194,000 | $68,888 | $758,000 |
| Asian | 130 | $10,083,000 | $71,200 | $456,000 | $75,000 | $374,000 |
| American Indian or Alaskan Native | 46 | $3,901,000 | $83,800 | $1,500,000 | $154,400 | $2,000,000 |
| Not applicable | 29 | $12,396,000 | $381,500 | $2,150,000 | $13,000 | $643,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $1,056,000 | $56,500 | $255,000 | $61,750 | $260,000 |
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) | 7,826 | $572,305,000 | $115,395 | $7,500,000 | $182,697 | $3,337,000 |
| 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 | 4,136 | $343,594,000 | $172,735 | $3,720,000 | $229,558 | $3,000,000 |
| Application Denied By Financial Institution | 2,440 | $121,243,000 | $50,187 | $1,500,000 | $60,906 | $1,080,000 |
| Application Withdrawn By Applicant | 709 | $61,722,000 | $138,722 | $7,500,000 | $118,444 | $2,040,000 |
| Application Approved But Not Accepted | 295 | $29,897,000 | $273,700 | $2,150,000 | $338,100 | $3,337,000 |
| File Closed For Incompleteness | 246 | $15,849,000 | $56,555 | $500,000 | $57,666 | $384,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 844 | $49,689,000 | $66,294 | $1,500,000 | $51,470 | $340,000 |
| Credit History | 840 | $32,399,000 | $42,571 | $433,000 | $72,714 | $696,000 |
| Collateral | 401 | $23,142,000 | $51,500 | $500,000 | $76,750 | $600,000 |
| Other | 306 | $13,711,000 | $28,750 | $500,000 | $49,250 | $1,080,000 |
| Employment History | 40 | $1,911,000 | $35,666 | $191,000 | $28,666 | $120,000 |
| Credit Application Incomplete | 6 | $251,000 | $35,500 | $140,000 | $28,500 | $110,000 |
| Unverifiable Information | 3 | $140,000 | $46,000 | $60,000 | $33,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lasalle Bank Midwest, NA'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 Lasalle Bank Midwest, NA'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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