Monarch Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Monarch Bank 2010 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 | Monarch Bank 1435 Crossways Boulevard, Suite 101 Chesapeake, VA 23320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 8,039 |
| Total Mortgage Loan Application Amount | $1,998,628,000 |
| Average Mortgage Loan Application Amount | $223,000 |
| Highest Mortgage Loan Application Amount | $2,045,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,824,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with Monarch Bank. 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 Monarch Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down Monarch Bank'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 Monarch Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Monarch Bank, 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 Monarch Bank's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Virginia Beach County Virginia | 994 | $ 252,151,000 | $ 253,000 | $ 89,000 |
| Montgomery County Maryland | 886 | $ 276,229,000 | $ 311,000 | $ 120,000 |
| Prince George's County Maryland | 884 | $ 195,518,000 | $ 221,000 | $ 70,000 |
| Chesapeake County Virginia | 488 | $ 112,649,000 | $ 230,000 | $ 76,000 |
| Norfolk County Virginia | 326 | $ 72,643,000 | $ 222,000 | $ 88,000 |
| District of Columbia County District Of Columbia | 311 | $ 102,541,000 | $ 329,000 | $ 111,000 |
| Anne Arundel County Maryland | 263 | $ 73,205,000 | $ 278,000 | $ 92,000 |
| Charles County Maryland | 251 | $ 64,666,000 | $ 257,000 | $ 75,000 |
| Fairfax County Virginia | 248 | $ 91,787,000 | $ 370,000 | $ 131,000 |
| Mecklenburg County North Carolina | 211 | $ 36,157,000 | $ 171,000 | $ 70,000 |
| New Hanover County North Carolina | 198 | $ 37,532,000 | $ 189,000 | $ 88,000 |
| St. Mary's County Maryland | 148 | $ 39,030,000 | $ 263,000 | $ 95,000 |
| Prince William County Virginia | 147 | $ 40,482,000 | $ 275,000 | $ 94,000 |
| Frederick County Maryland | 146 | $ 35,946,000 | $ 246,000 | $ 90,000 |
| Howard County Maryland | 141 | $ 43,360,000 | $ 307,000 | $ 132,000 |
| Baltimore County Maryland | 139 | $ 31,449,000 | $ 226,000 | $ 93,000 |
| Dare County North Carolina | 123 | $ 29,752,000 | $ 241,000 | $ 140,000 |
| Onslow County North Carolina | 101 | $ 18,459,000 | $ 182,000 | $ 54,000 |
| Calvert County Maryland | 90 | $ 26,934,000 | $ 299,000 | $ 98,000 |
| Union County North Carolina | 82 | $ 14,754,000 | $ 179,000 | $ 66,000 |
| Baltimore City County Maryland | 81 | $ 12,374,000 | $ 152,000 | $ 76,000 |
| Portsmouth County Virginia | 80 | $ 12,706,000 | $ 158,000 | $ 53,000 |
| Chesterfield County Virginia | 76 | $ 17,163,000 | $ 225,000 | $ 86,000 |
| Loudoun County Virginia | 70 | $ 26,185,000 | $ 374,000 | $ 135,000 |
| Suffolk County Virginia | 63 | $ 16,113,000 | $ 255,000 | $ 105,000 |
| Harford County Maryland | 58 | $ 14,519,000 | $ 250,000 | $ 120,000 |
| Brunswick County North Carolina | 55 | $ 9,601,000 | $ 174,000 | $ 112,000 |
| Currituck County North Carolina | 51 | $ 16,232,000 | $ 318,000 | $ 92,000 |
| Henrico County Virginia | 50 | $ 9,587,000 | $ 191,000 | $ 91,000 |
| Stafford County Virginia | 47 | $ 12,794,000 | $ 272,000 | $ 106,000 |
| Arlington County Virginia | 44 | $ 18,037,000 | $ 409,000 | $ 152,000 |
| Hampton County Virginia | 43 | $ 8,617,000 | $ 200,000 | $ 55,000 |
| York County South Carolina | 41 | $ 5,276,000 | $ 128,000 | $ 76,000 |
| Cabarrus County North Carolina | 39 | $ 6,320,000 | $ 162,000 | $ 85,000 |
| Pender County North Carolina | 37 | $ 7,624,000 | $ 206,000 | $ 67,000 |
| Greenwood County South Carolina | 36 | $ 4,229,000 | $ 117,000 | $ 48,000 |
| Spotsylvania County Virginia | 35 | $ 5,993,000 | $ 171,000 | $ 51,000 |
| Gaston County North Carolina | 34 | $ 4,802,000 | $ 141,000 | $ 64,000 |
| Alexandria County Virginia | 33 | $ 13,780,000 | $ 417,000 | $ 154,000 |
| Carroll County Maryland | 32 | $ 8,847,000 | $ 276,000 | $ 110,000 |
| Washington County Maryland | 32 | $ 6,287,000 | $ 196,000 | $ 66,000 |
| Iredell County North Carolina | 32 | $ 5,341,000 | $ 166,000 | $ 72,000 |
| Newport News County Virginia | 29 | $ 4,939,000 | $ 170,000 | $ 57,000 |
| Richmond City County Virginia | 29 | $ 5,440,000 | $ 187,000 | $ 120,000 |
| King George County Virginia | 28 | $ 6,413,000 | $ 229,000 | $ 85,000 |
| Stanly County North Carolina | 23 | $ 2,881,000 | $ 125,000 | $ 56,000 |
| Fauquier County Virginia | 22 | $ 5,880,000 | $ 267,000 | $ 121,000 |
| Manassas County Virginia | 22 | $ 3,721,000 | $ 169,000 | $ 81,000 |
| Sussex County Delaware | 19 | $ 5,906,000 | $ 310,000 | $ 193,000 |
| Henderson County North Carolina | 19 | $ 2,853,000 | $ 150,000 | $ 72,000 |
| Hanover County Virginia | 19 | $ 4,691,000 | $ 246,000 | $ 85,000 |
| Isle of Wight County Virginia | 19 | $ 4,800,000 | $ 252,000 | $ 102,000 |
| Queen Anne's County Maryland | 18 | $ 5,361,000 | $ 297,000 | $ 104,000 |
| Caroline County Maryland | 15 | $ 2,839,000 | $ 189,000 | $ 64,000 |
| Pasquotank County North Carolina | 15 | $ 2,829,000 | $ 188,000 | $ 56,000 |
| Cecil County Maryland | 14 | $ 4,357,000 | $ 311,000 | $ 112,000 |
| Southampton County Virginia | 14 | $ 1,988,000 | $ 142,000 | $ 55,000 |
| Caroline County Virginia | 13 | $ 1,551,000 | $ 119,000 | $ 55,000 |
| Wake County North Carolina | 12 | $ 3,225,000 | $ 268,000 | $ 122,000 |
| New Castle County Delaware | 11 | $ 2,010,000 | $ 182,000 | $ 80,000 |
| York County Virginia | 11 | $ 3,264,000 | $ 296,000 | $ 106,000 |
| Jefferson County West Virginia | 11 | $ 2,168,000 | $ 197,000 | $ 72,000 |
| Forsyth County North Carolina | 10 | $ 1,382,000 | $ 138,000 | $ 47,000 |
| Rowan County North Carolina | 10 | $ 1,221,000 | $ 122,000 | $ 42,000 |
| Lancaster County South Carolina | 10 | $ 1,869,000 | $ 186,000 | $ 78,000 |
| Adams County Pennsylvania | 9 | $ 2,072,000 | $ 230,000 | $ 63,000 |
| James City County Virginia | 9 | $ 2,893,000 | $ 321,000 | $ 127,000 |
| Manassas Park County Virginia | 9 | $ 1,552,000 | $ 172,000 | $ 56,000 |
| Westmoreland County Virginia | 9 | $ 1,367,000 | $ 151,000 | $ 58,000 |
| Cumberland County North Carolina | 8 | $ 1,847,000 | $ 230,000 | $ 104,000 |
| York County Pennsylvania | 8 | $ 1,568,000 | $ 196,000 | $ 106,000 |
| Culpeper County Virginia | 8 | $ 2,361,000 | $ 295,000 | $ 101,000 |
| Dorchester County Maryland | 7 | $ 1,114,000 | $ 159,000 | $ 47,000 |
| Catawba County North Carolina | 7 | $ 1,337,000 | $ 191,000 | $ 59,000 |
| Craven County North Carolina | 7 | $ 1,525,000 | $ 217,000 | $ 71,000 |
| Abbeville County South Carolina | 7 | $ 436,000 | $ 62,000 | $ 57,000 |
| Louisa County Virginia | 7 | $ 1,674,000 | $ 239,000 | $ 134,000 |
| Duplin County North Carolina | 6 | $ 602,000 | $ 100,000 | $ 37,000 |
| Durham County North Carolina | 6 | $ 1,185,000 | $ 197,000 | $ 97,000 |
| Guilford County North Carolina | 6 | $ 1,077,000 | $ 179,000 | $ 103,000 |
| Pitt County North Carolina | 6 | $ 778,000 | $ 129,000 | $ 30,000 |
| Rockingham County North Carolina | 6 | $ 858,000 | $ 143,000 | $ 50,000 |
| Powhatan County Virginia | 6 | $ 1,190,000 | $ 198,000 | $ 51,000 |
| Talbot County Maryland | 5 | $ 1,499,000 | $ 299,000 | $ 127,000 |
| Montgomery County North Carolina | 5 | $ 429,000 | $ 85,000 | $ 53,000 |
| Franklin County Pennsylvania | 5 | $ 828,000 | $ 165,000 | $ 82,000 |
| Montgomery County Pennsylvania | 5 | $ 1,187,000 | $ 237,000 | $ 73,000 |
| Gloucester County Virginia | 5 | $ 1,357,000 | $ 271,000 | $ 73,000 |
| Northampton County Virginia | 5 | $ 1,397,000 | $ 279,000 | $ 91,000 |
| Worcester County Maryland | 4 | $ 945,000 | $ 236,000 | $ 148,000 |
| Burke County North Carolina | 4 | $ 591,000 | $ 147,000 | $ 70,000 |
| Carteret County North Carolina | 4 | $ 1,428,000 | $ 357,000 | $ 187,000 |
| Cleveland County North Carolina | 4 | $ 340,000 | $ 85,000 | $ 43,000 |
| Harnett County North Carolina | 4 | $ 635,000 | $ 158,000 | $ 34,000 |
| Hyde County North Carolina | 4 | $ 1,168,000 | $ 292,000 | $ 238,000 |
| Johnston County North Carolina | 4 | $ 547,000 | $ 136,000 | $ 67,000 |
| Lincoln County North Carolina | 4 | $ 662,000 | $ 165,000 | $ 70,000 |
| Orange County North Carolina | 4 | $ 1,234,000 | $ 308,000 | $ 89,000 |
| Transylvania County North Carolina | 4 | $ 641,000 | $ 160,000 | $ 109,000 |
| Delaware County Pennsylvania | 4 | $ 764,000 | $ 191,000 | $ 103,000 |
| Richland County South Carolina | 4 | $ 538,000 | $ 134,000 | $ 71,000 |
| Albemarle County Virginia | 4 | $ 1,069,000 | $ 267,000 | $ 92,000 |
| Clarke County Virginia | 4 | $ 886,000 | $ 221,000 | $ 126,000 |
| New Kent County Virginia | 4 | $ 947,000 | $ 236,000 | $ 82,000 |
| Poquoson County Virginia | 4 | $ 954,000 | $ 238,000 | $ 66,000 |
| Rockingham County Virginia | 4 | $ 818,000 | $ 204,000 | $ 75,000 |
| Wicomico County Maryland | 3 | $ 468,000 | $ 156,000 | $ 36,000 |
| Bladen County North Carolina | 3 | $ 551,000 | $ 183,000 | $ 61,000 |
| Buncombe County North Carolina | 3 | $ 473,000 | $ 157,000 | $ 60,000 |
| Camden County North Carolina | 3 | $ 783,000 | $ 261,000 | $ 122,000 |
| Haywood County North Carolina | 3 | $ 465,000 | $ 155,000 | $ 77,000 |
| Surry County North Carolina | 3 | $ 425,000 | $ 141,000 | $ 34,000 |
| Watauga County North Carolina | 3 | $ 749,000 | $ 249,000 | $ 94,000 |
| Wilson County North Carolina | 3 | $ 474,000 | $ 158,000 | $ 65,000 |
| Allegheny County Pennsylvania | 3 | $ 470,000 | $ 156,000 | $ 64,000 |
| Cumberland County Pennsylvania | 3 | $ 840,000 | $ 280,000 | $ 124,000 |
| Lehigh County Pennsylvania | 3 | $ 618,000 | $ 206,000 | $ 78,000 |
| Horry County South Carolina | 3 | $ 428,000 | $ 142,000 | $ 56,000 |
| Bedford County Virginia | 3 | $ 575,000 | $ 191,000 | $ 71,000 |
| Charles City County Virginia | 3 | $ 474,000 | $ 158,000 | $ 43,000 |
| Essex County Virginia | 3 | $ 359,000 | $ 119,000 | $ 50,000 |
| Goochland County Virginia | 3 | $ 855,000 | $ 285,000 | $ 184,000 |
| Nelson County Virginia | 3 | $ 798,000 | $ 266,000 | $ 256,000 |
| Surry County Virginia | 3 | $ 517,000 | $ 172,000 | $ 57,000 |
| Kent County Delaware | 2 | $ 672,000 | $ 336,000 | $ 0 |
| Garrett County Maryland | 2 | $ 665,000 | $ 332,000 | $ 197,000 |
| Anson County North Carolina | 2 | $ 192,000 | $ 96,000 | $ 101,000 |
| Columbus County North Carolina | 2 | $ 318,000 | $ 159,000 | $ 42,000 |
| Davidson County North Carolina | 2 | $ 262,000 | $ 131,000 | $ 64,000 |
| Davie County North Carolina | 2 | $ 505,000 | $ 252,000 | $ 103,000 |
| Hoke County North Carolina | 2 | $ 232,000 | $ 116,000 | $ 7,000 |
| Jackson County North Carolina | 2 | $ 297,000 | $ 148,000 | $ 133,000 |
| Madison County North Carolina | 2 | $ 160,000 | $ 80,000 | $ 88,000 |
| Perquimans County North Carolina | 2 | $ 348,000 | $ 174,000 | $ 66,000 |
| Randolph County North Carolina | 2 | $ 196,000 | $ 98,000 | $ 44,000 |
| Sampson County North Carolina | 2 | $ 271,000 | $ 135,000 | $ 45,000 |
| Berks County Pennsylvania | 2 | $ 354,000 | $ 177,000 | $ 78,000 |
| Dauphin County Pennsylvania | 2 | $ 222,000 | $ 111,000 | $ 79,000 |
| Philadelphia County Pennsylvania | 2 | $ 328,000 | $ 164,000 | $ 72,000 |
| Pike County Pennsylvania | 2 | $ 466,000 | $ 233,000 | $ 58,000 |
| Aiken County South Carolina | 2 | $ 419,000 | $ 209,000 | $ 74,000 |
| Anderson County South Carolina | 2 | $ 357,000 | $ 178,000 | $ 80,000 |
| Georgetown County South Carolina | 2 | $ 402,000 | $ 201,000 | $ 48,000 |
| Dinwiddie County Virginia | 2 | $ 404,000 | $ 202,000 | $ 41,000 |
| Fairfax City County Virginia | 2 | $ 829,000 | $ 414,000 | $ 135,000 |
| Falls Church County Virginia | 2 | $ 903,000 | $ 451,000 | $ 53,000 |
| Franklin County Virginia | 2 | $ 834,000 | $ 417,000 | $ 229,000 |
| Franklin City County Virginia | 2 | $ 507,000 | $ 253,000 | $ 107,000 |
| Frederick County Virginia | 2 | $ 415,000 | $ 207,000 | $ 76,000 |
| King William County Virginia | 2 | $ 332,000 | $ 166,000 | $ 96,000 |
| Lunenburg County Virginia | 2 | $ 101,000 | $ 50,000 | $ 44,000 |
| Mecklenburg County Virginia | 2 | $ 445,000 | $ 222,000 | $ 14,000 |
| Orange County Virginia | 2 | $ 513,000 | $ 256,000 | $ 64,000 |
| Rappahannock County Virginia | 2 | $ 646,000 | $ 323,000 | $ 109,000 |
| Sussex County Virginia | 2 | $ 225,000 | $ 112,000 | $ 73,000 |
| Berkeley County West Virginia | 2 | $ 357,000 | $ 178,000 | $ 86,000 |
| Pocahontas County West Virginia | 2 | $ 375,000 | $ 187,000 | $ 246,000 |
| Hancock County Maine | 1 | $ 417,000 | $ 417,000 | $ 351,000 |
| Knox County Maine | 1 | $ 360,000 | $ 360,000 | $ 368,000 |
| Lincoln County Maine | 1 | $ 259,000 | $ 259,000 | $ 155,000 |
| Allegany County Maryland | 1 | $ 131,000 | $ 131,000 | $ 54,000 |
| Kent County Maryland | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
| Alamance County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 53,000 |
| Alexander County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 42,000 |
| Bertie County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Caldwell County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 87,000 |
| Chatham County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 80,000 |
| Clay County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 74,000 |
| Edgecombe County North Carolina | 1 | $ 224,000 | $ 224,000 | $ 75,000 |
| Hertford County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 38,000 |
| Jones County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Lenoir County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 31,000 |
| Nash County North Carolina | 1 | $ 182,000 | $ 182,000 | $ 82,000 |
| Person County North Carolina | 1 | $ 136,000 | $ 136,000 | $ 85,000 |
| Rutherford County North Carolina | 1 | $ 137,000 | $ 137,000 | $ 56,000 |
| Warren County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 18,000 |
| Wayne County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Wilkes County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 62,000 |
| Bradford County Pennsylvania | 1 | $ 59,000 | $ 59,000 | $ 112,000 |
| Bucks County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Chester County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 45,000 |
| Lancaster County Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 56,000 |
| Northampton County Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 82,000 |
| Somerset County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 98,000 |
| Beaufort County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 78,000 |
| Charleston County South Carolina | 1 | $ 301,000 | $ 301,000 | $ 275,000 |
| Cherokee County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 23,000 |
| Greenville County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Lexington County South Carolina | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Sumter County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Accomack County Virginia | 1 | $ 117,000 | $ 117,000 | $ 52,000 |
| Amelia County Virginia | 1 | $ 380,000 | $ 380,000 | $ 96,000 |
| Buckingham County Virginia | 1 | $ 145,000 | $ 145,000 | $ 107,000 |
| Campbell County Virginia | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| Charlottesville County Virginia | 1 | $ 240,000 | $ 240,000 | $ 123,000 |
| Cumberland County Virginia | 1 | $ 308,000 | $ 308,000 | $ 193,000 |
| Lexington County Virginia | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Northumberland County Virginia | 1 | $ 286,000 | $ 286,000 | $ 201,000 |
| Petersburg County Virginia | 1 | $ 39,000 | $ 39,000 | $ 50,000 |
| Prince Edward County Virginia | 1 | $ 156,000 | $ 156,000 | $ 51,000 |
| Prince George County Virginia | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Richmond County Virginia | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Roanoke County Virginia | 1 | $ 206,000 | $ 206,000 | $ 45,000 |
| Roanoke City County Virginia | 1 | $ 132,000 | $ 132,000 | $ 82,000 |
| Rockbridge County Virginia | 1 | $ 209,000 | $ 209,000 | $ 293,000 |
| Warren County Virginia | 1 | $ 415,000 | $ 415,000 | $ 144,000 |
| Winchester County Virginia | 1 | $ 47,000 | $ 47,000 | $ 53,000 |
| Kanawha County West Virginia | 1 | $ 92,000 | $ 92,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Monarch Bank in 2010
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 | 4,499 | $1,030,743,000 | $229,000 | $1,304,000 | $83,000 | $1,824,000 |
| Refinancing | 3,530 | $966,209,000 | $273,000 | $2,045,000 | $104,000 | $1,776,000 |
| Home Improvement | 10 | $1,676,000 | $167,000 | $735,000 | $44,000 | $138,000 |
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 | 5,003 | $1,273,198,000 | $254,000 | $2,045,000 | $101,000 | $1,824,000 |
| Black or African American | 1,624 | $358,899,000 | $220,000 | $1,181,000 | $69,000 | $493,000 |
| Not Provided | 715 | $189,109,000 | $264,000 | $1,000,000 | $92,000 | $1,053,000 |
| Hispanic | 360 | $83,923,000 | $233,000 | $650,000 | $76,000 | $628,000 |
| Asian | 240 | $68,350,000 | $284,000 | $1,058,000 | $113,000 | $1,190,000 |
| Not applicable | 49 | $13,001,000 | $265,000 | $1,800,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 26 | $7,042,000 | $270,000 | $507,000 | $68,000 | $215,000 |
| American Indian or Alaskan Native | 22 | $5,106,000 | $232,000 | $674,000 | $94,000 | $342,000 |
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) | 3,478 | $893,553,000 | $256,000 | $2,045,000 | $123,000 | $1,824,000 |
| FHA-insured (Federal Housing Administration) | 3,390 | $786,417,000 | $231,000 | $955,000 | $68,000 | $1,190,000 |
| VA-guaranteed (Veterans Administration) | 1,087 | $305,540,000 | $281,000 | $822,000 | $71,000 | $356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $13,118,000 | $156,000 | $355,000 | $49,000 | $84,000 |
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 | 6,476 | $1,618,377,000 | $249,000 | $2,000,000 | $92,000 | $1,824,000 |
| Application Withdrawn By Applicant | 987 | $254,771,000 | $258,000 | $2,045,000 | $97,000 | $1,644,000 |
| Application Denied By Financial Institution | 322 | $62,596,000 | $194,000 | $999,000 | $69,000 | $1,047,000 |
| Application Approved But Not Accepted | 168 | $42,391,000 | $252,000 | $1,275,000 | $99,000 | $1,776,000 |
| File Closed For Incompleteness | 86 | $20,493,000 | $238,000 | $805,000 | $85,000 | $525,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 155 | $27,798,000 | $179,000 | $735,000 | $58,000 | $560,000 |
| Debt-To-Income Ratio | 60 | $13,265,000 | $221,000 | $900,000 | $54,000 | $180,000 |
| Collateral | 38 | $7,279,000 | $191,000 | $999,000 | $127,000 | $1,047,000 |
| Other | 37 | $8,106,000 | $219,000 | $436,000 | $98,000 | $268,000 |
| Employment History | 11 | $2,073,000 | $188,000 | $535,000 | $58,000 | $215,000 |
| Unverifiable Information | 9 | $1,771,000 | $196,000 | $376,000 | $38,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,469,000 | $183,000 | $424,000 | $75,000 | $172,000 |
| Credit Application Incomplete | 3 | $491,000 | $163,000 | $170,000 | $38,000 | $51,000 |
| Mortgage Insurance Denied | 1 | $344,000 | $344,000 | $344,000 | $80,000 | $80,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Monarch Bank's 2010 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 Monarch 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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