Merrill Lynch Bank & Trust Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Merrill Lynch Bank & Trust Fsb 2008 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 | 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 | $1,207,000 |
| Highest Mortgage Loan Application Amount | $26,000,000 |
| Average Applicant Income | $588,000 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Merrill Lynch Bank & Trust Fsb. 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 Merrill Lynch Bank & Trust Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Merrill Lynch Bank & Trust Fsb'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 Merrill Lynch Bank & Trust Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Merrill Lynch Bank & Trust Fsb, 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 Merrill Lynch Bank & Trust Fsb's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Francisco County California | 1,072 | $ 1,244,938,000 | $ 1,161,000 | $ 425,000 |
| Los Angeles County California | 620 | $ 616,214,000 | $ 993,000 | $ 528,000 |
| New York County New York | 527 | $ 828,574,000 | $ 1,572,000 | $ 1,138,000 |
| San Mateo County California | 377 | $ 446,110,000 | $ 1,183,000 | $ 473,000 |
| Santa Clara County California | 344 | $ 294,909,000 | $ 857,000 | $ 330,000 |
| San Diego County California | 299 | $ 342,209,000 | $ 1,144,000 | $ 299,000 |
| Alameda County California | 269 | $ 166,199,000 | $ 617,000 | $ 207,000 |
| Marin County California | 246 | $ 312,182,000 | $ 1,269,000 | $ 587,000 |
| Contra Costa County California | 213 | $ 199,996,000 | $ 938,000 | $ 429,000 |
| Orange County California | 157 | $ 227,646,000 | $ 1,449,000 | $ 633,000 |
| Sonoma County California | 128 | $ 113,613,000 | $ 887,000 | $ 543,000 |
| Middlesex County Massachusetts | 84 | $ 70,492,000 | $ 839,000 | $ 397,000 |
| Suffolk County Massachusetts | 82 | $ 91,548,000 | $ 1,116,000 | $ 896,000 |
| Fairfield County Connecticut | 77 | $ 97,965,000 | $ 1,272,000 | $ 1,012,000 |
| Kings County New York | 76 | $ 54,424,000 | $ 716,000 | $ 311,000 |
| Westchester County New York | 74 | $ 95,418,000 | $ 1,289,000 | $ 996,000 |
| Napa County California | 72 | $ 89,790,000 | $ 1,247,000 | $ 608,000 |
| Clark County Nevada | 61 | $ 113,825,000 | $ 1,865,000 | $ 460,000 |
| Pierce County Washington | 55 | $ 10,830,000 | $ 196,000 | $ 9,000 |
| Santa Barbara County California | 53 | $ 83,047,000 | $ 1,566,000 | $ 991,000 |
| Suffolk County New York | 51 | $ 100,395,000 | $ 1,968,000 | $ 1,905,000 |
| Norfolk County Massachusetts | 49 | $ 54,589,000 | $ 1,114,000 | $ 863,000 |
| Riverside County California | 45 | $ 45,932,000 | $ 1,020,000 | $ 1,178,000 |
| Nassau County New York | 37 | $ 41,138,000 | $ 1,111,000 | $ 712,000 |
| Monterey County California | 33 | $ 53,438,000 | $ 1,619,000 | $ 597,000 |
| Washington County Oregon | 33 | $ 24,168,000 | $ 732,000 | $ 335,000 |
| Essex County Massachusetts | 30 | $ 15,700,000 | $ 523,000 | $ 280,000 |
| Multnomah County Oregon | 29 | $ 17,461,000 | $ 602,000 | $ 274,000 |
| Placer County California | 26 | $ 29,689,000 | $ 1,141,000 | $ 749,000 |
| Queens County New York | 25 | $ 9,275,000 | $ 371,000 | $ 46,000 |
| Ventura County California | 21 | $ 26,283,000 | $ 1,251,000 | $ 454,000 |
| Bergen County New Jersey | 21 | $ 15,743,000 | $ 749,000 | $ 990,000 |
| King County Washington | 19 | $ 15,387,000 | $ 809,000 | $ 371,000 |
| Maricopa County Arizona | 17 | $ 9,744,000 | $ 573,000 | $ 528,000 |
| El Dorado County California | 17 | $ 6,967,000 | $ 409,000 | $ 1,334,000 |
| Santa Cruz County California | 17 | $ 12,667,000 | $ 745,000 | $ 333,000 |
| Nantucket County Massachusetts | 17 | $ 40,286,000 | $ 2,369,000 | $ 1,686,000 |
| Bronx County New York | 17 | $ 7,957,000 | $ 468,000 | $ 117,000 |
| Plymouth County Massachusetts | 16 | $ 9,406,000 | $ 587,000 | $ 224,000 |
| Barnstable County Massachusetts | 13 | $ 17,328,000 | $ 1,332,000 | $ 1,495,000 |
| Summit County Utah | 13 | $ 19,231,000 | $ 1,479,000 | $ 1,929,000 |
| Nevada County California | 12 | $ 9,988,000 | $ 832,000 | $ 443,000 |
| Hawaii County Hawaii | 12 | $ 30,399,000 | $ 2,533,000 | $ 1,480,000 |
| Litchfield County Connecticut | 11 | $ 11,980,000 | $ 1,089,000 | $ 2,438,000 |
| Sacramento County California | 10 | $ 24,020,000 | $ 2,402,000 | $ 175,000 |
| Hudson County New Jersey | 10 | $ 5,737,000 | $ 573,000 | $ 197,000 |
| Solano County California | 9 | $ 5,618,000 | $ 624,000 | $ 718,000 |
| District of Columbia County District Of Columbia | 9 | $ 8,629,000 | $ 958,000 | $ 679,000 |
| Union County New Jersey | 9 | $ 9,430,000 | $ 1,047,000 | $ 1,087,000 |
| Kauai County Hawaii | 8 | $ 15,391,000 | $ 1,923,000 | $ 365,000 |
| Washoe County Nevada | 8 | $ 13,845,000 | $ 1,730,000 | $ 743,000 |
| Eagle County Colorado | 7 | $ 21,533,000 | $ 3,076,000 | $ 2,084,000 |
| Miami-Dade County Florida | 7 | $ 6,865,000 | $ 980,000 | $ 1,061,000 |
| Palm Beach County Florida | 7 | $ 8,190,000 | $ 1,170,000 | $ 613,000 |
| Blaine County Idaho | 7 | $ 8,470,000 | $ 1,210,000 | $ 1,275,000 |
| Dukes County Massachusetts | 7 | $ 17,273,000 | $ 2,467,000 | $ 2,988,000 |
| Morris County New Jersey | 7 | $ 6,746,000 | $ 963,000 | $ 599,000 |
| Pitkin County Colorado | 6 | $ 17,730,000 | $ 2,955,000 | $ 1,587,000 |
| Collier County Florida | 6 | $ 6,927,000 | $ 1,154,000 | $ 1,426,000 |
| Essex County New Jersey | 6 | $ 5,214,000 | $ 869,000 | $ 521,000 |
| Berkshire County Massachusetts | 5 | $ 6,959,000 | $ 1,391,000 | $ 1,871,000 |
| Mercer County New Jersey | 5 | $ 3,243,000 | $ 648,000 | $ 3,038,000 |
| Monmouth County New Jersey | 5 | $ 6,594,000 | $ 1,318,000 | $ 990,000 |
| Somerset County New Jersey | 5 | $ 3,104,000 | $ 620,000 | $ 297,000 |
| Bernalillo County New Mexico | 5 | $ 1,019,000 | $ 203,000 | $ 707,000 |
| Santa Fe County New Mexico | 5 | $ 3,325,000 | $ 665,000 | $ 445,000 |
| Dutchess County New York | 5 | $ 5,324,000 | $ 1,064,000 | $ 595,000 |
| Beaufort County South Carolina | 5 | $ 7,620,000 | $ 1,524,000 | $ 986,000 |
| Plumas County California | 4 | $ 3,056,000 | $ 764,000 | $ 1,041,000 |
| San Bernardino County California | 4 | $ 5,984,000 | $ 1,496,000 | $ 723,000 |
| Arapahoe County Colorado | 4 | $ 4,530,000 | $ 1,132,000 | $ 981,000 |
| Maui County Hawaii | 4 | $ 5,115,000 | $ 1,278,000 | $ 478,000 |
| Cook County Illinois | 4 | $ 2,622,000 | $ 655,000 | $ 258,000 |
| York County Maine | 4 | $ 4,655,000 | $ 1,163,000 | $ 632,000 |
| Douglas County Nevada | 4 | $ 2,700,000 | $ 675,000 | $ 382,000 |
| Carroll County New Hampshire | 4 | $ 2,732,000 | $ 683,000 | $ 646,000 |
| Ocean County New Jersey | 4 | $ 2,442,000 | $ 610,000 | $ 463,000 |
| Richmond County New York | 4 | $ 1,405,000 | $ 351,000 | $ 36,000 |
| Clackamas County Oregon | 4 | $ 5,435,000 | $ 1,358,000 | $ 663,000 |
| Lane County Oregon | 4 | $ 2,306,000 | $ 576,000 | $ 74,000 |
| Charleston County South Carolina | 4 | $ 3,724,000 | $ 931,000 | $ 776,000 |
| Dallas County Texas | 4 | $ 5,877,000 | $ 1,469,000 | $ 877,000 |
| Clark County Washington | 4 | $ 3,889,000 | $ 972,000 | $ 25,000 |
| Kern County California | 3 | $ 850,000 | $ 283,000 | $ 221,000 |
| San Luis Obispo County California | 3 | $ 2,431,000 | $ 810,000 | $ 645,000 |
| Tuolumne County California | 3 | $ 1,454,000 | $ 484,000 | $ 88,000 |
| Lee County Florida | 3 | $ 3,371,000 | $ 1,123,000 | $ 612,000 |
| Honolulu County Hawaii | 3 | $ 5,470,000 | $ 1,823,000 | $ 233,000 |
| Lake County Illinois | 3 | $ 2,235,000 | $ 745,000 | $ 197,000 |
| Montgomery County Maryland | 3 | $ 1,995,000 | $ 665,000 | $ 221,000 |
| Bristol County Massachusetts | 3 | $ 3,450,000 | $ 1,150,000 | $ 658,000 |
| Worcester County Massachusetts | 3 | $ 1,203,000 | $ 401,000 | $ 471,000 |
| Gallatin County Montana | 3 | $ 4,521,000 | $ 1,507,000 | $ 1,384,000 |
| Middlesex County New Jersey | 3 | $ 931,000 | $ 310,000 | $ 166,000 |
| Passaic County New Jersey | 3 | $ 1,513,000 | $ 504,000 | $ 357,000 |
| Washington County Rhode Island | 3 | $ 5,531,000 | $ 1,843,000 | $ 1,674,000 |
| Travis County Texas | 3 | $ 2,755,000 | $ 918,000 | $ 614,000 |
| Teton County Wyoming | 3 | $ 13,500,000 | $ 4,500,000 | $ 3,463,000 |
| Alpine County California | 2 | $ 1,250,000 | $ 625,000 | $ 574,000 |
| Amador County California | 2 | $ 1,330,000 | $ 665,000 | $ 971,000 |
| Calaveras County California | 2 | $ 648,000 | $ 324,000 | $ 171,000 |
| Lake County California | 2 | $ 1,926,000 | $ 963,000 | $ 1,671,000 |
| San Joaquin County California | 2 | $ 563,000 | $ 281,000 | $ 2,353,000 |
| Stanislaus County California | 2 | $ 362,000 | $ 181,000 | $ 944,000 |
| Yolo County California | 2 | $ 965,000 | $ 482,000 | $ 292,000 |
| Denver County Colorado | 2 | $ 745,000 | $ 372,000 | $ 203,000 |
| San Miguel County Colorado | 2 | $ 2,994,000 | $ 1,497,000 | $ 821,000 |
| Martin County Florida | 2 | $ 1,120,000 | $ 560,000 | $ 528,000 |
| Monroe County Florida | 2 | $ 1,238,000 | $ 619,000 | $ 411,000 |
| Gwinnett County Georgia | 2 | $ 350,000 | $ 175,000 | $ 289,000 |
| Bonner County Idaho | 2 | $ 1,017,000 | $ 508,000 | $ 629,000 |
| Lincoln County Maine | 2 | $ 917,000 | $ 458,000 | $ 388,000 |
| Hampshire County Massachusetts | 2 | $ 1,050,000 | $ 525,000 | $ 259,000 |
| Oakland County Michigan | 2 | $ 2,254,000 | $ 1,127,000 | $ 598,000 |
| St. Louis County Missouri | 2 | $ 4,033,000 | $ 2,016,000 | $ 3,003,000 |
| Hillsborough County New Hampshire | 2 | $ 2,175,000 | $ 1,087,000 | $ 3,997,000 |
| Merrimack County New Hampshire | 2 | $ 705,000 | $ 352,000 | $ 250,000 |
| Putnam County New York | 2 | $ 1,100,000 | $ 550,000 | $ 350,000 |
| Rockland County New York | 2 | $ 1,371,000 | $ 685,000 | $ 2,260,000 |
| Deschutes County Oregon | 2 | $ 1,015,000 | $ 507,000 | $ 787,000 |
| Polk County Oregon | 2 | $ 9,147,000 | $ 4,573,000 | $ 0 |
| Bennington County Vermont | 2 | $ 491,000 | $ 245,000 | $ 1,226,000 |
| Lamoille County Vermont | 2 | $ 2,166,000 | $ 1,083,000 | $ 1,715,000 |
| Fairfax County Virginia | 2 | $ 2,600,000 | $ 1,300,000 | $ 1,728,000 |
| Spokane County Washington | 2 | $ 3,410,000 | $ 1,705,000 | $ 50,000 |
| Yakima County Washington | 2 | $ 344,000 | $ 172,000 | $ 374,000 |
| Mohave County Arizona | 1 | $ 503,000 | $ 503,000 | $ 499,000 |
| Pima County Arizona | 1 | $ 700,000 | $ 700,000 | $ 231,000 |
| Pinal County Arizona | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Butte County California | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Del Norte County California | 1 | $ 76,000 | $ 76,000 | $ 57,000 |
| Fresno County California | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Humboldt County California | 1 | $ 355,000 | $ 355,000 | $ 156,000 |
| Merced County California | 1 | $ 84,000 | $ 84,000 | $ 216,000 |
| Shasta County California | 1 | $ 378,000 | $ 378,000 | $ 470,000 |
| Adams County Colorado | 1 | $ 300,000 | $ 300,000 | $ 155,000 |
| Boulder County Colorado | 1 | $ 280,000 | $ 280,000 | $ 291,000 |
| Jefferson County Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 420,000 |
| Routt County Colorado | 1 | $ 1,200,000 | $ 1,200,000 | $ 348,000 |
| Summit County Colorado | 1 | $ 580,000 | $ 580,000 | $ 2,154,000 |
| New Haven County Connecticut | 1 | $ 1,495,000 | $ 1,495,000 | $ 456,000 |
| New London County Connecticut | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,425,000 |
| Sussex County Delaware | 1 | $ 1,675,000 | $ 1,675,000 | $ 378,000 |
| Broward County Florida | 1 | $ 660,000 | $ 660,000 | $ 453,000 |
| Hillsborough County Florida | 1 | $ 500,000 | $ 500,000 | $ 182,000 |
| Manatee County Florida | 1 | $ 358,000 | $ 358,000 | $ 350,000 |
| Nassau County Florida | 1 | $ 770,000 | $ 770,000 | $ 682,000 |
| Pinellas County Florida | 1 | $ 600,000 | $ 600,000 | $ 329,000 |
| Sarasota County Florida | 1 | $ 255,000 | $ 255,000 | $ 337,000 |
| Cobb County Georgia | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Forsyth County Georgia | 1 | $ 115,000 | $ 115,000 | $ 291,000 |
| Valley County Idaho | 1 | $ 880,000 | $ 880,000 | $ 924,000 |
| DuPage County Illinois | 1 | $ 2,450,000 | $ 2,450,000 | $ 1,348,000 |
| Rock Island County Illinois | 1 | $ 55,000 | $ 55,000 | $ 257,000 |
| Hancock County Maine | 1 | $ 1,500,000 | $ 1,500,000 | $ 619,000 |
| Allegan County Michigan | 1 | $ 975,000 | $ 975,000 | $ 1,000,000 |
| Charlevoix County Michigan | 1 | $ 1,400,000 | $ 1,400,000 | $ 463,000 |
| Leelanau County Michigan | 1 | $ 310,000 | $ 310,000 | $ 508,000 |
| Washtenaw County Michigan | 1 | $ 2,275,000 | $ 2,275,000 | $ 2,424,000 |
| Hennepin County Minnesota | 1 | $ 1,200,000 | $ 1,200,000 | $ 554,000 |
| Belknap County New Hampshire | 1 | $ 2,100,000 | $ 2,100,000 | $ 1,000,000 |
| Grafton County New Hampshire | 1 | $ 417,000 | $ 417,000 | $ 488,000 |
| Rockingham County New Hampshire | 1 | $ 1,500,000 | $ 1,500,000 | $ 349,000 |
| Sullivan County New Hampshire | 1 | $ 410,000 | $ 410,000 | $ 1,132,000 |
| Burlington County New Jersey | 1 | $ 864,000 | $ 864,000 | $ 246,000 |
| Cape May County New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 692,000 |
| Albany County New York | 1 | $ 296,000 | $ 296,000 | $ 179,000 |
| Fulton County New York | 1 | $ 417,000 | $ 417,000 | $ 393,000 |
| Monroe County New York | 1 | $ 200,000 | $ 200,000 | $ 244,000 |
| Orange County New York | 1 | $ 3,000,000 | $ 3,000,000 | $ 9,999,000 |
| Sullivan County New York | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Avery County North Carolina | 1 | $ 1,120,000 | $ 1,120,000 | $ 2,465,000 |
| Durham County North Carolina | 1 | $ 1,000,000 | $ 1,000,000 | $ 700,000 |
| Orange County North Carolina | 1 | $ 540,000 | $ 540,000 | $ 717,000 |
| Cuyahoga County Ohio | 1 | $ 360,000 | $ 360,000 | $ 171,000 |
| Geauga County Ohio | 1 | $ 800,000 | $ 800,000 | $ 700,000 |
| Oklahoma County Oklahoma | 1 | $ 417,000 | $ 417,000 | $ 165,000 |
| Clatsop County Oregon | 1 | $ 1,455,000 | $ 1,455,000 | $ 924,000 |
| Coos County Oregon | 1 | $ 500,000 | $ 500,000 | $ 101,000 |
| Marion County Oregon | 1 | $ 3,325,000 | $ 3,325,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 690,000 | $ 690,000 | $ 561,000 |
| Cumberland County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 2,169,000 |
| Delaware County Pennsylvania | 1 | $ 1,000,000 | $ 1,000,000 | $ 337,000 |
| Erie County Pennsylvania | 1 | $ 840,000 | $ 840,000 | $ 927,000 |
| Lackawanna County Pennsylvania | 1 | $ 379,000 | $ 379,000 | $ 257,000 |
| Newport County Rhode Island | 1 | $ 644,000 | $ 644,000 | $ 1,221,000 |
| Spartanburg County South Carolina | 1 | $ 900,000 | $ 900,000 | $ 408,000 |
| Shelby County Tennessee | 1 | $ 566,000 | $ 566,000 | $ 4,275,000 |
| Bexar County Texas | 1 | $ 567,000 | $ 567,000 | $ 8,400,000 |
| Blanco County Texas | 1 | $ 172,000 | $ 172,000 | $ 405,000 |
| Harris County Texas | 1 | $ 62,000 | $ 62,000 | $ 676,000 |
| Tarrant County Texas | 1 | $ 1,068,000 | $ 1,068,000 | $ 5,656,000 |
| Williamson County Texas | 1 | $ 203,000 | $ 203,000 | $ 359,000 |
| Davis County Utah | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Salt Lake County Utah | 1 | $ 1,200,000 | $ 1,200,000 | $ 0 |
| Washington County Utah | 1 | $ 417,000 | $ 417,000 | $ 251,000 |
| Fauquier County Virginia | 1 | $ 1,750,000 | $ 1,750,000 | $ 1,350,000 |
| Portsmouth County Virginia | 1 | $ 180,000 | $ 180,000 | $ 186,000 |
| Spotsylvania County Virginia | 1 | $ 800,000 | $ 800,000 | $ 232,000 |
| Virginia Beach County Virginia | 1 | $ 610,000 | $ 610,000 | $ 390,000 |
| Jefferson County Washington | 1 | $ 551,000 | $ 551,000 | $ 274,000 |
| San Juan County Washington | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,000,000 |
| Skamania County 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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