Merrill Lynch Bank & Trust FSB Mortgage Lending & HMDA Data, 2008
In 2008, Merrill Lynch Bank & Trust FSB of Westlake Village, CA reported 5,868 mortgage applications totaling $6.6 billion. The average application was for $1,117,725, and applicants reported an average income of $591,428. 72% of its applications resulted in an originated loan and 2% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (1,695), New York-White Plains-Wayne, NY-NJ (761) and Los Angeles-Long Beach-Glendale, CA (620) (applications in parentheses).
| Mortgage Company & Address | Merrill Lynch Bank & Trust FSB 30930 Russell Ranch Rd Ms Ca6-916-02-07 Westlake Village, CA 91362 |
| Federal Regulator | * available with data download |
| Years | 2009 2008 |
| Total Number of Mortgage Applications | 5,868 |
| Total Mortgage Loan Application Amount | $6,558,811,000 |
| Average Mortgage Loan Application Amount | $1,117,725 |
| Highest Mortgage Loan Application Amount | $26,000,000 |
| Average Applicant Income | $591,428 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Merrill Lynch Bank & Trust FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Francisco, California | 1,072 | $ 1,244,938,000 | $ 1,161,322 | $ 425,000 |
| Los Angeles, California | 620 | $ 616,214,000 | $ 993,893 | $ 528,000 |
| New York, New York | 527 | $ 828,574,000 | $ 1,572,246 | $ 1,138,000 |
| San Mateo, California | 377 | $ 446,110,000 | $ 1,183,315 | $ 473,000 |
| Santa Clara, California | 344 | $ 294,909,000 | $ 857,293 | $ 330,000 |
| San Diego, California | 299 | $ 342,209,000 | $ 1,144,511 | $ 299,000 |
| Alameda, California | 269 | $ 166,199,000 | $ 617,840 | $ 207,000 |
| Marin, California | 246 | $ 312,182,000 | $ 1,269,032 | $ 587,000 |
| Contra Costa, California | 213 | $ 199,996,000 | $ 938,948 | $ 429,000 |
| Orange, California | 157 | $ 227,646,000 | $ 1,449,974 | $ 633,000 |
| Sonoma, California | 128 | $ 113,613,000 | $ 887,601 | $ 543,000 |
| Middlesex, Massachusetts | 84 | $ 70,492,000 | $ 839,190 | $ 397,000 |
| Suffolk, Massachusetts | 82 | $ 91,548,000 | $ 1,116,439 | $ 896,000 |
| Fairfield, Connecticut | 77 | $ 97,965,000 | $ 1,272,272 | $ 1,012,000 |
| Kings, New York | 76 | $ 54,424,000 | $ 716,105 | $ 311,000 |
| Westchester, New York | 74 | $ 95,418,000 | $ 1,289,432 | $ 996,000 |
| Napa, California | 72 | $ 89,790,000 | $ 1,247,083 | $ 608,000 |
| Clark, Nevada | 61 | $ 113,825,000 | $ 1,865,983 | $ 460,000 |
| Pierce, Washington | 55 | $ 10,830,000 | $ 196,909 | $ 9,000 |
| Santa Barbara, California | 53 | $ 83,047,000 | $ 1,566,924 | $ 991,000 |
| Suffolk, New York | 51 | $ 100,395,000 | $ 1,968,529 | $ 1,905,000 |
| Norfolk, Massachusetts | 49 | $ 54,589,000 | $ 1,114,061 | $ 863,000 |
| Riverside, California | 45 | $ 45,932,000 | $ 1,020,711 | $ 1,178,000 |
| Nassau, New York | 37 | $ 41,138,000 | $ 1,111,837 | $ 712,000 |
| Monterey, California | 33 | $ 53,438,000 | $ 1,619,333 | $ 597,000 |
| Washington, Oregon | 33 | $ 24,168,000 | $ 732,363 | $ 335,000 |
| Essex, Massachusetts | 30 | $ 15,700,000 | $ 523,333 | $ 280,000 |
| Multnomah, Oregon | 29 | $ 17,461,000 | $ 602,103 | $ 274,000 |
| Placer, California | 26 | $ 29,689,000 | $ 1,141,884 | $ 749,000 |
| Queens, New York | 25 | $ 9,275,000 | $ 371,000 | $ 46,000 |
| Ventura, California | 21 | $ 26,283,000 | $ 1,251,571 | $ 454,000 |
| Bergen, New Jersey | 21 | $ 15,743,000 | $ 749,666 | $ 990,000 |
| King, Washington | 19 | $ 15,387,000 | $ 809,842 | $ 371,000 |
| Maricopa, Arizona | 17 | $ 9,744,000 | $ 573,176 | $ 528,000 |
| El Dorado, California | 17 | $ 6,967,000 | $ 409,823 | $ 1,334,000 |
| Santa Cruz, California | 17 | $ 12,667,000 | $ 745,117 | $ 333,000 |
| Nantucket, Massachusetts | 17 | $ 40,286,000 | $ 2,369,764 | $ 1,686,000 |
| Bronx, New York | 17 | $ 7,957,000 | $ 468,058 | $ 117,000 |
| Plymouth, Massachusetts | 16 | $ 9,406,000 | $ 587,875 | $ 224,000 |
| Barnstable, Massachusetts | 13 | $ 17,328,000 | $ 1,332,923 | $ 1,495,000 |
| Summit, Utah | 13 | $ 19,231,000 | $ 1,479,307 | $ 1,929,000 |
| Nevada, California | 12 | $ 9,988,000 | $ 832,333 | $ 443,000 |
| Hawaii, Hawaii | 12 | $ 30,399,000 | $ 2,533,250 | $ 1,480,000 |
| Litchfield, Connecticut | 11 | $ 11,980,000 | $ 1,089,090 | $ 2,438,000 |
| Sacramento, California | 10 | $ 24,020,000 | $ 2,402,000 | $ 175,000 |
| Hudson, New Jersey | 10 | $ 5,737,000 | $ 573,700 | $ 197,000 |
| Solano, California | 9 | $ 5,618,000 | $ 624,222 | $ 718,000 |
| District of Columbia, District Of Columbia | 9 | $ 8,629,000 | $ 958,777 | $ 679,000 |
| Union, New Jersey | 9 | $ 9,430,000 | $ 1,047,777 | $ 1,087,000 |
| Kauai, Hawaii | 8 | $ 15,391,000 | $ 1,923,875 | $ 365,000 |
| Washoe, Nevada | 8 | $ 13,845,000 | $ 1,730,625 | $ 743,000 |
| Eagle, Colorado | 7 | $ 21,533,000 | $ 3,076,142 | $ 2,084,000 |
| Miami-Dade, Florida | 7 | $ 6,865,000 | $ 980,714 | $ 1,061,000 |
| Palm Beach, Florida | 7 | $ 8,190,000 | $ 1,170,000 | $ 613,000 |
| Blaine, Idaho | 7 | $ 8,470,000 | $ 1,210,000 | $ 1,275,000 |
| Dukes, Massachusetts | 7 | $ 17,273,000 | $ 2,467,571 | $ 2,988,000 |
| Morris, New Jersey | 7 | $ 6,746,000 | $ 963,714 | $ 599,000 |
| Pitkin, Colorado | 6 | $ 17,730,000 | $ 2,955,000 | $ 1,587,000 |
| Collier, Florida | 6 | $ 6,927,000 | $ 1,154,500 | $ 1,426,000 |
| Essex, New Jersey | 6 | $ 5,214,000 | $ 869,000 | $ 521,000 |
| Berkshire, Massachusetts | 5 | $ 6,959,000 | $ 1,391,800 | $ 1,871,000 |
| Mercer, New Jersey | 5 | $ 3,243,000 | $ 648,600 | $ 3,038,000 |
| Monmouth, New Jersey | 5 | $ 6,594,000 | $ 1,318,800 | $ 990,000 |
| Somerset, New Jersey | 5 | $ 3,104,000 | $ 620,800 | $ 297,000 |
| Bernalillo, New Mexico | 5 | $ 1,019,000 | $ 203,800 | $ 707,000 |
| Santa Fe, New Mexico | 5 | $ 3,325,000 | $ 665,000 | $ 445,000 |
| Dutchess, New York | 5 | $ 5,324,000 | $ 1,064,800 | $ 595,000 |
| Beaufort, South Carolina | 5 | $ 7,620,000 | $ 1,524,000 | $ 986,000 |
| Plumas, California | 4 | $ 3,056,000 | $ 764,000 | $ 1,041,000 |
| San Bernardino, California | 4 | $ 5,984,000 | $ 1,496,000 | $ 723,000 |
| Arapahoe, Colorado | 4 | $ 4,530,000 | $ 1,132,500 | $ 981,000 |
| Maui, Hawaii | 4 | $ 5,115,000 | $ 1,278,750 | $ 478,000 |
| Cook, Illinois | 4 | $ 2,622,000 | $ 655,500 | $ 258,000 |
| York, Maine | 4 | $ 4,655,000 | $ 1,163,750 | $ 632,000 |
| Douglas, Nevada | 4 | $ 2,700,000 | $ 675,000 | $ 382,000 |
| Carroll, New Hampshire | 4 | $ 2,732,000 | $ 683,000 | $ 646,000 |
| Ocean, New Jersey | 4 | $ 2,442,000 | $ 610,500 | $ 463,000 |
| Richmond, New York | 4 | $ 1,405,000 | $ 351,250 | $ 36,000 |
| Clackamas, Oregon | 4 | $ 5,435,000 | $ 1,358,750 | $ 663,000 |
| Lane, Oregon | 4 | $ 2,306,000 | $ 576,500 | $ 74,000 |
| Charleston, South Carolina | 4 | $ 3,724,000 | $ 931,000 | $ 776,000 |
| Dallas, Texas | 4 | $ 5,877,000 | $ 1,469,250 | $ 877,000 |
| Clark, Washington | 4 | $ 3,889,000 | $ 972,250 | $ 25,000 |
| Kern, California | 3 | $ 850,000 | $ 283,333 | $ 221,000 |
| San Luis Obispo, California | 3 | $ 2,431,000 | $ 810,333 | $ 645,000 |
| Tuolumne, California | 3 | $ 1,454,000 | $ 484,666 | $ 88,000 |
| Lee, Florida | 3 | $ 3,371,000 | $ 1,123,666 | $ 612,000 |
| Honolulu, Hawaii | 3 | $ 5,470,000 | $ 1,823,333 | $ 233,000 |
| Lake, Illinois | 3 | $ 2,235,000 | $ 745,000 | $ 197,000 |
| Montgomery, Maryland | 3 | $ 1,995,000 | $ 665,000 | $ 221,000 |
| Bristol, Massachusetts | 3 | $ 3,450,000 | $ 1,150,000 | $ 658,000 |
| Worcester, Massachusetts | 3 | $ 1,203,000 | $ 401,000 | $ 471,000 |
| Gallatin, Montana | 3 | $ 4,521,000 | $ 1,507,000 | $ 1,384,000 |
| Middlesex, New Jersey | 3 | $ 931,000 | $ 310,333 | $ 166,000 |
| Passaic, New Jersey | 3 | $ 1,513,000 | $ 504,333 | $ 357,000 |
| Washington, Rhode Island | 3 | $ 5,531,000 | $ 1,843,666 | $ 1,674,000 |
| Travis, Texas | 3 | $ 2,755,000 | $ 918,333 | $ 614,000 |
| Teton, Wyoming | 3 | $ 13,500,000 | $ 4,500,000 | $ 3,463,000 |
| Alpine, California | 2 | $ 1,250,000 | $ 625,000 | $ 574,000 |
| Amador, California | 2 | $ 1,330,000 | $ 665,000 | $ 971,000 |
| Calaveras, California | 2 | $ 648,000 | $ 324,000 | $ 171,000 |
| Lake, California | 2 | $ 1,926,000 | $ 963,000 | $ 1,671,000 |
| San Joaquin, California | 2 | $ 563,000 | $ 281,500 | $ 2,353,000 |
| Stanislaus, California | 2 | $ 362,000 | $ 181,000 | $ 944,000 |
| Yolo, California | 2 | $ 965,000 | $ 482,500 | $ 292,000 |
| Denver, Colorado | 2 | $ 745,000 | $ 372,500 | $ 203,000 |
| San Miguel, Colorado | 2 | $ 2,994,000 | $ 1,497,000 | $ 821,000 |
| Martin, Florida | 2 | $ 1,120,000 | $ 560,000 | $ 528,000 |
| Monroe, Florida | 2 | $ 1,238,000 | $ 619,000 | $ 411,000 |
| Gwinnett, Georgia | 2 | $ 350,000 | $ 175,000 | $ 289,000 |
| Bonner, Idaho | 2 | $ 1,017,000 | $ 508,500 | $ 629,000 |
| Lincoln, Maine | 2 | $ 917,000 | $ 458,500 | $ 388,000 |
| Hampshire, Massachusetts | 2 | $ 1,050,000 | $ 525,000 | $ 259,000 |
| Oakland, Michigan | 2 | $ 2,254,000 | $ 1,127,000 | $ 598,000 |
| St. Louis, Missouri | 2 | $ 4,033,000 | $ 2,016,500 | $ 3,003,000 |
| Hillsborough, New Hampshire | 2 | $ 2,175,000 | $ 1,087,500 | $ 3,997,000 |
| Merrimack, New Hampshire | 2 | $ 705,000 | $ 352,500 | $ 250,000 |
| Putnam, New York | 2 | $ 1,100,000 | $ 550,000 | $ 350,000 |
| Rockland, New York | 2 | $ 1,371,000 | $ 685,500 | $ 2,260,000 |
| Deschutes, Oregon | 2 | $ 1,015,000 | $ 507,500 | $ 787,000 |
| Polk, Oregon | 2 | $ 9,147,000 | $ 4,573,500 | $ 0 |
| Bennington, Vermont | 2 | $ 491,000 | $ 245,500 | $ 1,226,000 |
| Lamoille, Vermont | 2 | $ 2,166,000 | $ 1,083,000 | $ 1,715,000 |
| Fairfax, Virginia | 2 | $ 2,600,000 | $ 1,300,000 | $ 1,728,000 |
| Spokane, Washington | 2 | $ 3,410,000 | $ 1,705,000 | $ 50,000 |
| Yakima, Washington | 2 | $ 344,000 | $ 172,000 | $ 374,000 |
| Mohave, Arizona | 1 | $ 503,000 | $ 503,000 | $ 499,000 |
| Pima, Arizona | 1 | $ 700,000 | $ 700,000 | $ 231,000 |
| Pinal, Arizona | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Butte, California | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Del Norte, California | 1 | $ 76,000 | $ 76,000 | $ 57,000 |
| Fresno, California | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Humboldt, California | 1 | $ 355,000 | $ 355,000 | $ 156,000 |
| Merced, California | 1 | $ 84,000 | $ 84,000 | $ 216,000 |
| Shasta, California | 1 | $ 378,000 | $ 378,000 | $ 470,000 |
| Adams, Colorado | 1 | $ 300,000 | $ 300,000 | $ 155,000 |
| Boulder, Colorado | 1 | $ 280,000 | $ 280,000 | $ 291,000 |
| Jefferson, Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 420,000 |
| Routt, Colorado | 1 | $ 1,200,000 | $ 1,200,000 | $ 348,000 |
| Summit, Colorado | 1 | $ 580,000 | $ 580,000 | $ 2,154,000 |
| New Haven, Connecticut | 1 | $ 1,495,000 | $ 1,495,000 | $ 456,000 |
| New London, Connecticut | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,425,000 |
| Sussex, Delaware | 1 | $ 1,675,000 | $ 1,675,000 | $ 378,000 |
| Broward, Florida | 1 | $ 660,000 | $ 660,000 | $ 453,000 |
| Hillsborough, Florida | 1 | $ 500,000 | $ 500,000 | $ 182,000 |
| Manatee, Florida | 1 | $ 358,000 | $ 358,000 | $ 350,000 |
| Nassau, Florida | 1 | $ 770,000 | $ 770,000 | $ 682,000 |
| Pinellas, Florida | 1 | $ 600,000 | $ 600,000 | $ 329,000 |
| Sarasota, Florida | 1 | $ 255,000 | $ 255,000 | $ 337,000 |
| Cobb, Georgia | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Forsyth, Georgia | 1 | $ 115,000 | $ 115,000 | $ 291,000 |
| Valley, Idaho | 1 | $ 880,000 | $ 880,000 | $ 924,000 |
| DuPage, Illinois | 1 | $ 2,450,000 | $ 2,450,000 | $ 1,348,000 |
| Rock Island, Illinois | 1 | $ 55,000 | $ 55,000 | $ 257,000 |
| Hancock, Maine | 1 | $ 1,500,000 | $ 1,500,000 | $ 619,000 |
| Allegan, Michigan | 1 | $ 975,000 | $ 975,000 | $ 1,000,000 |
| Charlevoix, Michigan | 1 | $ 1,400,000 | $ 1,400,000 | $ 463,000 |
| Leelanau, Michigan | 1 | $ 310,000 | $ 310,000 | $ 508,000 |
| Washtenaw, Michigan | 1 | $ 2,275,000 | $ 2,275,000 | $ 2,424,000 |
| Hennepin, Minnesota | 1 | $ 1,200,000 | $ 1,200,000 | $ 554,000 |
| Belknap, New Hampshire | 1 | $ 2,100,000 | $ 2,100,000 | $ 1,000,000 |
| Grafton, New Hampshire | 1 | $ 417,000 | $ 417,000 | $ 488,000 |
| Rockingham, New Hampshire | 1 | $ 1,500,000 | $ 1,500,000 | $ 349,000 |
| Sullivan, New Hampshire | 1 | $ 410,000 | $ 410,000 | $ 1,132,000 |
| Burlington, New Jersey | 1 | $ 864,000 | $ 864,000 | $ 246,000 |
| Cape May, New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 692,000 |
| Albany, New York | 1 | $ 296,000 | $ 296,000 | $ 179,000 |
| Fulton, New York | 1 | $ 417,000 | $ 417,000 | $ 393,000 |
| Monroe, New York | 1 | $ 200,000 | $ 200,000 | $ 244,000 |
| Orange, New York | 1 | $ 3,000,000 | $ 3,000,000 | $ 9,999,000 |
| Sullivan, New York | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Avery, North Carolina | 1 | $ 1,120,000 | $ 1,120,000 | $ 2,465,000 |
| Durham, North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 700,000 |
| Orange, North Carolina | 1 | $ 540,000 | $ 540,000 | $ 717,000 |
| Cuyahoga, Ohio | 1 | $ 360,000 | $ 360,000 | $ 171,000 |
| Geauga, Ohio | 1 | $ 800,000 | $ 800,000 | $ 700,000 |
| Oklahoma, Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 165,000 |
| Clatsop, Oregon | 1 | $ 1,455,000 | $ 1,455,000 | $ 924,000 |
| Coos, Oregon | 1 | $ 500,000 | $ 500,000 | $ 101,000 |
| Marion, Oregon | 1 | $ 3,325,000 | $ 3,325,000 | $ 0 |
| Bucks, Pennsylvania | 1 | $ 690,000 | $ 690,000 | $ 561,000 |
| Cumberland, Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 2,169,000 |
| Delaware, Pennsylvania | 1 | $ 1,000,000 | $ 1,000,000 | $ 337,000 |
| Erie, Pennsylvania | 1 | $ 840,000 | $ 840,000 | $ 927,000 |
| Lackawanna, Pennsylvania | 1 | $ 379,000 | $ 379,000 | $ 257,000 |
| Newport, Rhode Island | 1 | $ 644,000 | $ 644,000 | $ 1,221,000 |
| Spartanburg, South Carolina | 1 | $ 900,000 | $ 900,000 | $ 408,000 |
| Shelby, Tennessee | 1 | $ 566,000 | $ 566,000 | $ 4,275,000 |
| Bexar, Texas | 1 | $ 567,000 | $ 567,000 | $ 8,400,000 |
| Blanco, Texas | 1 | $ 172,000 | $ 172,000 | $ 405,000 |
| Harris, Texas | 1 | $ 62,000 | $ 62,000 | $ 676,000 |
| Tarrant, Texas | 1 | $ 1,068,000 | $ 1,068,000 | $ 5,656,000 |
| Williamson, Texas | 1 | $ 203,000 | $ 203,000 | $ 359,000 |
| Davis, Utah | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Salt Lake, Utah | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Washington, Utah | 1 | $ 417,000 | $ 417,000 | $ 251,000 |
| Fauquier, Virginia | 1 | $ 1,750,000 | $ 1,750,000 | $ 1,350,000 |
| Portsmouth, Virginia | 1 | $ 180,000 | $ 180,000 | $ 186,000 |
| Spotsylvania, Virginia | 1 | $ 800,000 | $ 800,000 | $ 232,000 |
| Virginia Beach, Virginia | 1 | $ 610,000 | $ 610,000 | $ 390,000 |
| Jefferson, Washington | 1 | $ 551,000 | $ 551,000 | $ 274,000 |
| San Juan, Washington | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,000,000 |
| Skamania, Washington | 1 | $ 630,000 | $ 630,000 | $ 0 |
Mortgage Loan Application Detail Totals for Merrill Lynch Bank & Trust FSB in 2008
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 | 3,173 | $3,467,914,000 | $1,092,000 | $20,150,000 | $572,000 | $9,999,000 |
| Refinancing | 2,522 | $2,848,659,000 | $1,129,000 | $26,000,000 | $617,000 | $9,999,000 |
| Home Improvement | 173 | $242,238,000 | $1,400,000 | $10,000,000 | $575,000 | $9,198,000 |
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 | 2,185 | $2,484,886,000 | $1,137,000 | $20,000,000 | $674,000 | $9,999,000 |
| Not Provided | 2,178 | $2,703,783,000 | $1,241,000 | $20,150,000 | $847,000 | $9,999,000 |
| Not applicable | 1,221 | $1,112,512,000 | $911,000 | $26,000,000 | $18,000 | $9,999,000 |
| Asian | 195 | $185,617,000 | $951,000 | $4,770,000 | $351,000 | $2,598,000 |
| Hispanic | 48 | $38,353,000 | $799,000 | $2,800,000 | $296,000 | $1,318,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $14,013,000 | $700,000 | $2,503,000 | $892,000 | $1,246,000 |
| Black or African American | 18 | $17,129,000 | $951,000 | $3,000,000 | $1,537,000 | $9,999,000 |
| American Indian or Alaskan Native | 3 | $2,518,000 | $839,000 | $1,500,000 | $587,000 | $1,250,000 |
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) | 5,868 | $6,558,811,000 | $1,117,000 | $26,000,000 | $591,000 | $9,999,000 |
| 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 | 4,227 | $4,974,936,000 | $1,176,000 | $26,000,000 | $657,000 | $9,999,000 |
| Application Withdrawn By Applicant | 697 | $1,015,597,000 | $1,457,000 | $20,150,000 | $688,000 | $9,999,000 |
| Loan Purchased By The Institution | 610 | $170,119,000 | $278,000 | $3,496,000 | $0 | $0 |
| Application Approved But Not Accepted | 155 | $195,640,000 | $1,262,000 | $7,700,000 | $783,000 | $9,999,000 |
| Application Denied By Financial Institution | 102 | $117,376,000 | $1,150,000 | $5,800,000 | $470,000 | $5,500,000 |
| File Closed For Incompleteness | 77 | $85,143,000 | $1,105,000 | $6,500,000 | $554,000 | $5,240,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 65 | $73,563,000 | $1,131,000 | $5,490,000 | $208,000 | $2,178,000 |
| Collateral | 25 | $18,248,000 | $729,000 | $2,500,000 | $773,000 | $1,901,000 |
| Other | 6 | $10,640,000 | $1,773,000 | $3,400,000 | $607,000 | $1,504,000 |
| Credit History | 4 | $12,885,000 | $3,221,000 | $5,800,000 | $2,794,000 | $5,500,000 |
| Unverifiable Information | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $205,000 | $205,000 |
| Employment History | 1 | $540,000 | $540,000 | $540,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Merrill Lynch Bank & Trust FSB's 2008 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 Merrill Lynch Bank & Trust FSB'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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