Level One Bank Mortgage Lending & HMDA Data, 2019
In 2019, Level One Bank of Farmington Hills, MI reported 1,701 mortgage applications totaling $419.3 million, up 102% from 2018. The average application was for $246,516, and applicants reported an average income of $128,199. 77% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (614), Detroit-Dearborn-Livonia, MI (405) and Ann Arbor, MI (355) (applications in parentheses).
| Mortgage Company & Address | Level One Bank 32991 Hamilton Court Farmington Hills, MI 48334 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 1,701 |
| Total Mortgage Loan Application Amount | $419,325,000 |
| Average Mortgage Loan Application Amount | $246,516 |
| Highest Mortgage Loan Application Amount | $4,375,000 |
| Average Applicant Income | $128,199 |
| Highest Applicant Income | $1,689,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Level One Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wayne, Michigan | 405 | $ 75,095,000 | $ 185,419 | $ 107,000 |
| Oakland, Michigan | 394 | $ 113,930,000 | $ 289,162 | $ 148,000 |
| Washtenaw, Michigan | 355 | $ 95,265,000 | $ 268,352 | $ 135,000 |
| Livingston, Michigan | 128 | $ 32,140,000 | $ 251,093 | $ 121,000 |
| Macomb, Michigan | 86 | $ 19,820,000 | $ 230,465 | $ 111,000 |
| Kent, Michigan | 52 | $ 16,490,000 | $ 317,115 | $ 118,000 |
| Jackson, Michigan | 29 | $ 5,575,000 | $ 192,241 | $ 109,000 |
| Monroe, Michigan | 20 | $ 3,580,000 | $ 179,000 | $ 119,000 |
| Genesee, Michigan | 19 | $ 2,965,000 | $ 156,052 | $ 85,000 |
| Ottawa, Michigan | 16 | $ 3,560,000 | $ 222,500 | $ 102,000 |
| Lenawee, Michigan | 14 | $ 2,230,000 | $ 159,285 | $ 63,000 |
| Ingham, Michigan | 7 | $ 805,000 | $ 115,000 | $ 49,000 |
| Cook, Illinois | 5 | $ 765,000 | $ 153,000 | $ 101,000 |
| Hillsdale, Michigan | 5 | $ 905,000 | $ 181,000 | $ 90,000 |
| Roscommon, Michigan | 5 | $ 375,000 | $ 75,000 | $ 121,000 |
| Lucas, Ohio | 5 | $ 175,000 | $ 35,000 | $ 125,000 |
| Maricopa, Arizona | 4 | $ 730,000 | $ 182,500 | $ 124,000 |
| Antrim, Michigan | 4 | $ 670,000 | $ 167,500 | $ 359,000 |
| Lapeer, Michigan | 4 | $ 470,000 | $ 117,500 | $ 62,000 |
| Sarasota, Florida | 3 | $ 855,000 | $ 285,000 | $ 295,000 |
| Charlevoix, Michigan | 3 | $ 1,525,000 | $ 508,333 | $ 320,000 |
| Huron, Michigan | 3 | $ 495,000 | $ 165,000 | $ 176,000 |
| Kalamazoo, Michigan | 3 | $ 1,135,000 | $ 378,333 | $ 166,000 |
| Shiawassee, Michigan | 3 | $ 395,000 | $ 131,666 | $ 34,000 |
| Florence, South Carolina | 3 | $ 3,795,000 | $ 1,265,000 | $ 0 |
| Tarrant, Texas | 3 | $ 1,235,000 | $ 411,666 | $ 188,000 |
| Arapahoe, Colorado | 2 | $ 750,000 | $ 375,000 | $ 144,000 |
| Collier, Florida | 2 | $ 1,260,000 | $ 630,000 | $ 395,000 |
| Pinellas, Florida | 2 | $ 520,000 | $ 260,000 | $ 144,000 |
| Fulton, Georgia | 2 | $ 460,000 | $ 230,000 | $ 200,000 |
| McHenry, Illinois | 2 | $ 180,000 | $ 90,000 | $ 37,000 |
| Jefferson, Kentucky | 2 | $ 630,000 | $ 315,000 | $ 240,000 |
| Allegan, Michigan | 2 | $ 880,000 | $ 440,000 | $ 147,000 |
| Barry, Michigan | 2 | $ 560,000 | $ 280,000 | $ 86,000 |
| Calhoun, Michigan | 2 | $ 360,000 | $ 180,000 | $ 88,000 |
| Midland, Michigan | 2 | $ 3,440,000 | $ 1,720,000 | $ 143,000 |
| Muskegon, Michigan | 2 | $ 670,000 | $ 335,000 | $ 285,000 |
| Sanilac, Michigan | 2 | $ 520,000 | $ 260,000 | $ 154,000 |
| St. Clair, Michigan | 2 | $ 300,000 | $ 150,000 | $ 356,000 |
| Tuscola, Michigan | 2 | $ 270,000 | $ 135,000 | $ 157,000 |
| St. Louis, Minnesota | 2 | $ 210,000 | $ 105,000 | $ 98,000 |
| Clay, Missouri | 2 | $ 180,000 | $ 90,000 | $ 167,000 |
| Jackson, Missouri | 2 | $ 140,000 | $ 70,000 | $ 262,000 |
| Mecklenburg, North Carolina | 2 | $ 610,000 | $ 305,000 | $ 90,000 |
| Allegheny, Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 103,000 |
| Davidson, Tennessee | 2 | $ 650,000 | $ 325,000 | $ 146,000 |
| El Paso, Texas | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Clallam, Washington | 2 | $ 420,000 | $ 210,000 | $ 207,000 |
| Benton, Arkansas | 1 | $ 415,000 | $ 415,000 | $ 185,000 |
| Kern, California | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Riverside, California | 1 | $ 315,000 | $ 315,000 | $ 69,000 |
| San Diego, California | 1 | $ 355,000 | $ 355,000 | $ 96,000 |
| Santa Clara, California | 1 | $ 485,000 | $ 485,000 | $ 202,000 |
| Solano, California | 1 | $ 335,000 | $ 335,000 | $ 142,000 |
| Jefferson, Colorado | 1 | $ 475,000 | $ 475,000 | $ 147,000 |
| Hartford, Connecticut | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Brevard, Florida | 1 | $ 185,000 | $ 185,000 | $ 281,000 |
| Charlotte, Florida | 1 | $ 185,000 | $ 185,000 | $ 110,000 |
| Hillsborough, Florida | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Lake, Florida | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Monroe, Florida | 1 | $ 485,000 | $ 485,000 | $ 294,000 |
| Orange, Florida | 1 | $ 205,000 | $ 205,000 | $ 210,000 |
| Osceola, Florida | 1 | $ 475,000 | $ 475,000 | $ 359,000 |
| Sumter, Florida | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Volusia, Florida | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Cherokee, Georgia | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| DeKalb, Georgia | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Fannin, Georgia | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Paulding, Georgia | 1 | $ 455,000 | $ 455,000 | $ 147,000 |
| Kendall, Illinois | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Hendricks, Indiana | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Lake, Indiana | 1 | $ 285,000 | $ 285,000 | $ 135,000 |
| Noble, Indiana | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| St. Joseph, Indiana | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Monroe, Iowa | 1 | $ 365,000 | $ 365,000 | $ 403,000 |
| Jefferson, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Baltimore, Maryland | 1 | $ 475,000 | $ 475,000 | $ 202,000 |
| Alcona, Michigan | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Arenac, Michigan | 1 | $ 215,000 | $ 215,000 | $ 574,000 |
| Bay, Michigan | 1 | $ 35,000 | $ 35,000 | $ 246,000 |
| Berrien, Michigan | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Branch, Michigan | 1 | $ 65,000 | $ 65,000 | $ 232,000 |
| Cheboygan, Michigan | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Chippewa, Michigan | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Clinton, Michigan | 1 | $ 265,000 | $ 265,000 | $ 236,000 |
| Crawford, Michigan | 1 | $ 215,000 | $ 215,000 | $ 192,000 |
| Eaton, Michigan | 1 | $ 485,000 | $ 485,000 | $ 187,000 |
| Emmet, Michigan | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Gladwin, Michigan | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Ionia, Michigan | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Isabella, Michigan | 1 | $ 265,000 | $ 265,000 | $ 57,000 |
| Kalkaska, Michigan | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Mackinac, Michigan | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Mecosta, Michigan | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Montcalm, Michigan | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Montmorency, Michigan | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Newaygo, Michigan | 1 | $ 165,000 | $ 165,000 | $ 107,000 |
| Oceana, Michigan | 1 | $ 135,000 | $ 135,000 | $ 122,000 |
| Otsego, Michigan | 1 | $ 655,000 | $ 655,000 | $ 257,000 |
| Saginaw, Michigan | 1 | $ 95,000 | $ 95,000 | $ 177,000 |
| Van Buren, Michigan | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Wexford, Michigan | 1 | $ 705,000 | $ 705,000 | $ 0 |
| DeSoto, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Platte, Missouri | 1 | $ 215,000 | $ 215,000 | $ 116,000 |
| St. Louis City, Missouri | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Kings, New York | 1 | $ 455,000 | $ 455,000 | $ 122,000 |
| Cuyahoga, Ohio | 1 | $ 365,000 | $ 365,000 | $ 200,000 |
| Erie, Ohio | 1 | $ 245,000 | $ 245,000 | $ 138,000 |
| Hamilton, Ohio | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Putnam, Ohio | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Warren, Ohio | 1 | $ 405,000 | $ 405,000 | $ 325,000 |
| Bucks, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Kent, Rhode Island | 1 | $ 325,000 | $ 325,000 | $ 77,000 |
| Charleston, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 186,000 |
| Greenville, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Horry, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Lexington, South Carolina | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Bexar, Texas | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Denton, Texas | 1 | $ 305,000 | $ 305,000 | $ 179,000 |
| McLennan, Texas | 1 | $ 265,000 | $ 265,000 | $ 136,000 |
| Williamson, Texas | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Arlington, Virginia | 1 | $ 645,000 | $ 645,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Level One Bank in 2019
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 | 930 | $219,550,000 | $236,000 | $3,305,000 | $119,000 | $1,099,000 |
| Refinancing | 435 | $131,335,000 | $301,000 | $4,375,000 | $150,000 | $1,689,000 |
| Cash-out Refinancing | 248 | $58,860,000 | $237,000 | $935,000 | $123,000 | $523,000 |
| Other Purpose | 74 | $7,570,000 | $102,000 | $485,000 | $132,000 | $704,000 |
| Home Improvement | 14 | $2,010,000 | $143,000 | $455,000 | $134,000 | $522,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,360 | $335,470,000 | $246,000 | $3,305,000 | $132,000 | $1,689,000 |
| Not Provided | 107 | $23,185,000 | $216,000 | $1,195,000 | $137,000 | $933,000 |
| Black or African American | 97 | $13,805,000 | $142,000 | $625,000 | $70,000 | $296,000 |
| Asian | 80 | $19,630,000 | $245,000 | $895,000 | $131,000 | $752,000 |
| Hispanic | 40 | $6,920,000 | $173,000 | $495,000 | $105,000 | $266,000 |
| Not applicable | 15 | $19,865,000 | $1,324,000 | $4,375,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $450,000 | $225,000 | $255,000 | $75,000 | $95,000 |
| 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) | 1,633 | $407,315,000 | $249,000 | $4,375,000 | $130,000 | $1,689,000 |
| FHA-insured (Federal Housing Administration) | 60 | $10,530,000 | $175,000 | $325,000 | $71,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,315,000 | $187,000 | $295,000 | $64,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $165,000 | $165,000 | $165,000 | $64,000 | $64,000 |
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 | 1,306 | $326,920,000 | $250,000 | $4,375,000 | $129,000 | $1,689,000 |
| Application Withdrawn By Applicant | 196 | $42,440,000 | $216,000 | $1,325,000 | $114,000 | $1,050,000 |
| Application Approved But Not Accepted | 77 | $20,965,000 | $272,000 | $925,000 | $131,000 | $500,000 |
| File Closed For Incompleteness | 60 | $16,630,000 | $277,000 | $985,000 | $157,000 | $960,000 |
| Application Denied By Financial Institution | 57 | $10,285,000 | $180,000 | $625,000 | $119,000 | $657,000 |
| Preapproval Approved but not Accepted | 3 | $1,835,000 | $611,000 | $1,205,000 | $243,000 | $406,000 |
| Preapproval Denied by Financial Institution | 2 | $250,000 | $125,000 | $195,000 | $48,000 | $65,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,642 | $408,790,000 | $248,000 | $4,375,000 | $128,000 | $1,689,000 |
| Collateral | 19 | $3,585,000 | $188,000 | $535,000 | $166,000 | $657,000 |
| Debt-To-Income Ratio | 17 | $3,065,000 | $180,000 | $335,000 | $65,000 | $203,000 |
| Credit History | 8 | $1,050,000 | $131,000 | $195,000 | $67,000 | $119,000 |
| Other | 7 | $1,895,000 | $270,000 | $625,000 | $171,000 | $478,000 |
| Employment History | 6 | $860,000 | $143,000 | $425,000 | $119,000 | $324,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $15,000 | $15,000 | $15,000 | $14,000 | $14,000 |
| 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 Level One Bank's 2019 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 Level One 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.
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