Monarch Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Monarch Bank 2011 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 | 8,204 |
| Total Mortgage Loan Application Amount | $2,013,656,000 |
| Average Mortgage Loan Application Amount | $251,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $109,666 |
| Highest Applicant Income | $2,975,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 1,015 | $ 257,544,000 | $ 253,000 | $ 91,000 |
| Prince George's County Maryland | 746 | $ 158,676,000 | $ 212,000 | $ 67,000 |
| Montgomery County Maryland | 695 | $ 212,155,000 | $ 305,000 | $ 120,000 |
| Chesapeake County Virginia | 541 | $ 131,639,000 | $ 243,000 | $ 84,000 |
| Fairfax County Virginia | 432 | $ 161,593,000 | $ 374,000 | $ 126,000 |
| Norfolk County Virginia | 361 | $ 79,166,000 | $ 219,000 | $ 87,000 |
| District of Columbia County District Of Columbia | 254 | $ 80,600,000 | $ 317,000 | $ 111,000 |
| Prince William County Virginia | 246 | $ 60,560,000 | $ 246,000 | $ 81,000 |
| Charles County Maryland | 245 | $ 59,821,000 | $ 244,000 | $ 84,000 |
| Mecklenburg County North Carolina | 226 | $ 34,556,000 | $ 152,000 | $ 67,000 |
| New Hanover County North Carolina | 210 | $ 36,713,000 | $ 174,000 | $ 77,000 |
| Anne Arundel County Maryland | 201 | $ 57,303,000 | $ 285,000 | $ 91,000 |
| Dare County North Carolina | 157 | $ 41,697,000 | $ 265,000 | $ 157,000 |
| St. Mary's County Maryland | 141 | $ 36,761,000 | $ 260,000 | $ 102,000 |
| Frederick County Maryland | 139 | $ 33,945,000 | $ 244,000 | $ 91,000 |
| Calvert County Maryland | 128 | $ 32,730,000 | $ 255,000 | $ 97,000 |
| Howard County Maryland | 109 | $ 35,756,000 | $ 328,000 | $ 118,000 |
| Henrico County Virginia | 104 | $ 17,819,000 | $ 171,000 | $ 89,000 |
| Baltimore County Maryland | 101 | $ 21,376,000 | $ 211,000 | $ 91,000 |
| Union County North Carolina | 97 | $ 17,891,000 | $ 184,000 | $ 65,000 |
| Portsmouth County Virginia | 97 | $ 14,390,000 | $ 148,000 | $ 59,000 |
| Loudoun County Virginia | 95 | $ 32,410,000 | $ 341,000 | $ 115,000 |
| Onslow County North Carolina | 88 | $ 15,666,000 | $ 178,000 | $ 53,000 |
| Suffolk County Virginia | 87 | $ 20,119,000 | $ 231,000 | $ 71,000 |
| Brunswick County North Carolina | 72 | $ 12,341,000 | $ 171,000 | $ 76,000 |
| Arlington County Virginia | 63 | $ 23,381,000 | $ 371,000 | $ 125,000 |
| Chesterfield County Virginia | 58 | $ 8,911,000 | $ 153,000 | $ 74,000 |
| Stafford County Virginia | 58 | $ 12,483,000 | $ 215,000 | $ 70,000 |
| Hampton County Virginia | 57 | $ 10,016,000 | $ 175,000 | $ 66,000 |
| Currituck County North Carolina | 56 | $ 17,180,000 | $ 306,000 | $ 142,000 |
| Alexandria County Virginia | 56 | $ 23,743,000 | $ 423,000 | $ 140,000 |
| Spotsylvania County Virginia | 55 | $ 12,102,000 | $ 220,000 | $ 93,000 |
| Richmond City County Virginia | 48 | $ 8,889,000 | $ 185,000 | $ 87,000 |
| Queen Anne's County Maryland | 43 | $ 10,299,000 | $ 239,000 | $ 86,000 |
| Baltimore City County Maryland | 42 | $ 5,346,000 | $ 127,000 | $ 61,000 |
| Iredell County North Carolina | 42 | $ 8,242,000 | $ 196,000 | $ 90,000 |
| Cabarrus County North Carolina | 39 | $ 6,543,000 | $ 167,000 | $ 70,000 |
| Pender County North Carolina | 36 | $ 6,563,000 | $ 182,000 | $ 66,000 |
| Harford County Maryland | 33 | $ 6,656,000 | $ 201,000 | $ 76,000 |
| Greenwood County South Carolina | 32 | $ 3,603,000 | $ 112,000 | $ 48,000 |
| Carroll County Maryland | 31 | $ 7,907,000 | $ 255,000 | $ 108,000 |
| Harnett County North Carolina | 31 | $ 5,271,000 | $ 170,000 | $ 68,000 |
| Newport News County Virginia | 29 | $ 4,802,000 | $ 165,000 | $ 65,000 |
| Washington County Maryland | 28 | $ 4,410,000 | $ 157,000 | $ 68,000 |
| King George County Virginia | 27 | $ 5,730,000 | $ 212,000 | $ 82,000 |
| Manassas County Virginia | 27 | $ 5,206,000 | $ 192,000 | $ 89,000 |
| Cecil County Maryland | 26 | $ 7,530,000 | $ 289,000 | $ 118,000 |
| Gaston County North Carolina | 26 | $ 4,024,000 | $ 154,000 | $ 62,000 |
| York County South Carolina | 23 | $ 3,209,000 | $ 139,000 | $ 64,000 |
| James City County Virginia | 23 | $ 5,975,000 | $ 259,000 | $ 55,000 |
| Hanover County Virginia | 21 | $ 4,474,000 | $ 213,000 | $ 86,000 |
| Henderson County North Carolina | 20 | $ 2,970,000 | $ 148,000 | $ 71,000 |
| Stanly County North Carolina | 18 | $ 2,694,000 | $ 149,000 | $ 57,000 |
| Wake County North Carolina | 18 | $ 3,754,000 | $ 208,000 | $ 105,000 |
| Fauquier County Virginia | 16 | $ 4,739,000 | $ 296,000 | $ 119,000 |
| Isle of Wight County Virginia | 16 | $ 4,956,000 | $ 309,000 | $ 123,000 |
| Manassas Park County Virginia | 15 | $ 2,232,000 | $ 148,000 | $ 59,000 |
| Sussex County Delaware | 14 | $ 3,459,000 | $ 247,000 | $ 175,000 |
| Rowan County North Carolina | 14 | $ 1,888,000 | $ 134,000 | $ 58,000 |
| Caroline County Maryland | 12 | $ 1,798,000 | $ 149,000 | $ 60,000 |
| Worcester County Maryland | 12 | $ 2,200,000 | $ 183,000 | $ 147,000 |
| Granville County North Carolina | 12 | $ 2,189,000 | $ 182,000 | $ 78,000 |
| Westmoreland County Virginia | 12 | $ 1,980,000 | $ 165,000 | $ 59,000 |
| Abbeville County South Carolina | 11 | $ 1,385,000 | $ 125,000 | $ 58,000 |
| Kent County Delaware | 10 | $ 2,316,000 | $ 231,000 | $ 117,000 |
| Culpeper County Virginia | 10 | $ 2,569,000 | $ 256,000 | $ 89,000 |
| Fairfax City County Virginia | 10 | $ 3,455,000 | $ 345,000 | $ 90,000 |
| Columbus County North Carolina | 9 | $ 1,221,000 | $ 135,000 | $ 57,000 |
| Duplin County North Carolina | 9 | $ 1,635,000 | $ 181,000 | $ 95,000 |
| Lancaster County South Carolina | 9 | $ 2,124,000 | $ 236,000 | $ 97,000 |
| Caroline County Virginia | 9 | $ 1,282,000 | $ 142,000 | $ 67,000 |
| Berkeley County West Virginia | 9 | $ 1,474,000 | $ 163,000 | $ 61,000 |
| Cumberland County North Carolina | 8 | $ 958,000 | $ 119,000 | $ 86,000 |
| Lincoln County North Carolina | 8 | $ 1,740,000 | $ 217,000 | $ 87,000 |
| York County Virginia | 8 | $ 2,718,000 | $ 339,000 | $ 108,000 |
| Carteret County North Carolina | 7 | $ 1,603,000 | $ 229,000 | $ 88,000 |
| Catawba County North Carolina | 7 | $ 2,488,000 | $ 355,000 | $ 105,000 |
| Franklin City County Virginia | 7 | $ 1,222,000 | $ 174,000 | $ 39,000 |
| Northampton County Virginia | 7 | $ 2,987,000 | $ 426,000 | $ 138,000 |
| Talbot County Maryland | 6 | $ 1,324,000 | $ 220,000 | $ 128,000 |
| Camden County North Carolina | 6 | $ 1,569,000 | $ 261,000 | $ 62,000 |
| Montgomery County North Carolina | 6 | $ 717,000 | $ 119,000 | $ 50,000 |
| Pasquotank County North Carolina | 6 | $ 1,087,000 | $ 181,000 | $ 34,000 |
| Horry County South Carolina | 6 | $ 1,540,000 | $ 256,000 | $ 124,000 |
| Falls Church County Virginia | 6 | $ 3,364,000 | $ 560,000 | $ 110,000 |
| Southampton County Virginia | 6 | $ 1,604,000 | $ 267,000 | $ 151,000 |
| New Castle County Delaware | 5 | $ 1,139,000 | $ 227,000 | $ 90,000 |
| Philadelphia County Pennsylvania | 5 | $ 870,000 | $ 174,000 | $ 92,000 |
| Frederick County Virginia | 5 | $ 785,000 | $ 157,000 | $ 35,000 |
| Louisa County Virginia | 5 | $ 1,459,000 | $ 291,000 | $ 104,000 |
| Orange County Virginia | 5 | $ 1,235,000 | $ 247,000 | $ 92,000 |
| Allegany County Maryland | 4 | $ 838,000 | $ 209,000 | $ 103,000 |
| Dorchester County Maryland | 4 | $ 1,299,000 | $ 324,000 | $ 72,000 |
| Kent County Maryland | 4 | $ 713,000 | $ 178,000 | $ 63,000 |
| Anson County North Carolina | 4 | $ 353,000 | $ 88,000 | $ 35,000 |
| Forsyth County North Carolina | 4 | $ 474,000 | $ 118,000 | $ 65,000 |
| Franklin County North Carolina | 4 | $ 573,000 | $ 143,000 | $ 60,000 |
| Guilford County North Carolina | 4 | $ 957,000 | $ 239,000 | $ 132,000 |
| Hertford County North Carolina | 4 | $ 917,000 | $ 229,000 | $ 62,000 |
| Johnston County North Carolina | 4 | $ 599,000 | $ 149,000 | $ 93,000 |
| Nash County North Carolina | 4 | $ 629,000 | $ 157,000 | $ 70,000 |
| Adams County Pennsylvania | 4 | $ 651,000 | $ 162,000 | $ 71,000 |
| Chester County Pennsylvania | 4 | $ 1,350,000 | $ 337,000 | $ 130,000 |
| Beaufort County South Carolina | 4 | $ 625,000 | $ 156,000 | $ 222,000 |
| Fredericksburg County Virginia | 4 | $ 1,092,000 | $ 273,000 | $ 112,000 |
| Goochland County Virginia | 4 | $ 799,000 | $ 199,000 | $ 73,000 |
| New Kent County Virginia | 4 | $ 929,000 | $ 232,000 | $ 85,000 |
| Jefferson County West Virginia | 4 | $ 1,138,000 | $ 284,000 | $ 96,000 |
| Buncombe County North Carolina | 3 | $ 559,000 | $ 186,000 | $ 82,000 |
| Warren County North Carolina | 3 | $ 909,000 | $ 303,000 | $ 248,000 |
| Allegheny County Pennsylvania | 3 | $ 426,000 | $ 142,000 | $ 110,000 |
| Greenville County South Carolina | 3 | $ 739,000 | $ 246,000 | $ 75,000 |
| Richland County South Carolina | 3 | $ 575,000 | $ 191,000 | $ 70,000 |
| Spartanburg County South Carolina | 3 | $ 728,000 | $ 242,000 | $ 93,000 |
| Accomack County Virginia | 3 | $ 826,000 | $ 275,000 | $ 193,000 |
| Charles City County Virginia | 3 | $ 508,000 | $ 169,000 | $ 46,000 |
| Dinwiddie County Virginia | 3 | $ 462,000 | $ 154,000 | $ 72,000 |
| Franklin County Virginia | 3 | $ 580,000 | $ 193,000 | $ 47,000 |
| Mecklenburg County Virginia | 3 | $ 650,000 | $ 216,000 | $ 120,000 |
| Poquoson County Virginia | 3 | $ 1,147,000 | $ 382,000 | $ 129,000 |
| Roanoke County Virginia | 3 | $ 326,000 | $ 108,000 | $ 68,000 |
| Wicomico County Maryland | 2 | $ 269,000 | $ 134,000 | $ 31,000 |
| Bladen County North Carolina | 2 | $ 209,000 | $ 104,000 | $ 71,000 |
| Craven County North Carolina | 2 | $ 543,000 | $ 271,000 | $ 32,000 |
| Durham County North Carolina | 2 | $ 318,000 | $ 159,000 | $ 84,000 |
| Gates County North Carolina | 2 | $ 362,000 | $ 181,000 | $ 59,000 |
| Haywood County North Carolina | 2 | $ 306,000 | $ 153,000 | $ 73,000 |
| Hoke County North Carolina | 2 | $ 325,000 | $ 162,000 | $ 50,000 |
| Hyde County North Carolina | 2 | $ 471,000 | $ 235,000 | $ 669,000 |
| Wayne County North Carolina | 2 | $ 129,000 | $ 64,000 | $ 42,000 |
| Franklin County Pennsylvania | 2 | $ 284,000 | $ 142,000 | $ 55,000 |
| Somerset County Pennsylvania | 2 | $ 550,000 | $ 275,000 | $ 159,000 |
| York County Pennsylvania | 2 | $ 483,000 | $ 241,000 | $ 102,000 |
| Aiken County South Carolina | 2 | $ 268,000 | $ 134,000 | $ 88,000 |
| Chesterfield County South Carolina | 2 | $ 527,000 | $ 263,000 | $ 82,000 |
| Lexington County South Carolina | 2 | $ 770,000 | $ 385,000 | $ 84,000 |
| Clarke County Virginia | 2 | $ 630,000 | $ 315,000 | $ 109,000 |
| Colonial Heights County Virginia | 2 | $ 175,000 | $ 87,000 | $ 193,000 |
| Gloucester County Virginia | 2 | $ 1,102,000 | $ 551,000 | $ 0 |
| Harrisonburg County Virginia | 2 | $ 287,000 | $ 143,000 | $ 56,000 |
| Hopewell County Virginia | 2 | $ 196,000 | $ 98,000 | $ 101,000 |
| King William County Virginia | 2 | $ 294,000 | $ 147,000 | $ 66,000 |
| Lynchburg County Virginia | 2 | $ 181,000 | $ 90,000 | $ 58,000 |
| Northumberland County Virginia | 2 | $ 273,000 | $ 136,000 | $ 65,000 |
| Powhatan County Virginia | 2 | $ 334,000 | $ 167,000 | $ 59,000 |
| Prince George County Virginia | 2 | $ 378,000 | $ 189,000 | $ 54,000 |
| Richmond County Virginia | 2 | $ 101,000 | $ 50,000 | $ 33,000 |
| Roanoke City County Virginia | 2 | $ 314,000 | $ 157,000 | $ 65,000 |
| Shenandoah County Virginia | 2 | $ 396,000 | $ 198,000 | $ 90,000 |
| Williamsburg County Virginia | 2 | $ 826,000 | $ 413,000 | $ 147,000 |
| Morgan County West Virginia | 2 | $ 392,000 | $ 196,000 | $ 70,000 |
| Knox County Maine | 1 | $ 305,000 | $ 305,000 | $ 351,000 |
| Alamance County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Alexander County North Carolina | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| Beaufort County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Caldwell County North Carolina | 1 | $ 218,000 | $ 218,000 | $ 116,000 |
| Chowan County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 53,000 |
| Cleveland County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| McDowell County North Carolina | 1 | $ 213,000 | $ 213,000 | $ 61,000 |
| Moore County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 190,000 |
| Northampton County North Carolina | 1 | $ 534,000 | $ 534,000 | $ 252,000 |
| Perquimans County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 147,000 |
| Pitt County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 32,000 |
| Polk County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Randolph County North Carolina | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Sampson County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Scotland County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 62,000 |
| Stokes County North Carolina | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Wilkes County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 118,000 |
| Wilson County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 100,000 |
| Beaver County Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 50,000 |
| Crawford County Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 91,000 |
| Cumberland County Pennsylvania | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 271,000 | $ 271,000 | $ 69,000 |
| Lebanon County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 303,000 |
| Luzerne County Pennsylvania | 1 | $ 296,000 | $ 296,000 | $ 121,000 |
| Pike County Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Anderson County South Carolina | 1 | $ 36,000 | $ 36,000 | $ 21,000 |
| Charleston County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Cherokee County South Carolina | 1 | $ 99,000 | $ 99,000 | $ 84,000 |
| Colleton County South Carolina | 1 | $ 334,000 | $ 334,000 | $ 239,000 |
| Georgetown County South Carolina | 1 | $ 410,000 | $ 410,000 | $ 268,000 |
| Laurens County South Carolina | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Union County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 49,000 |
| Albemarle County Virginia | 1 | $ 252,000 | $ 252,000 | $ 106,000 |
| Amelia County Virginia | 1 | $ 42,000 | $ 42,000 | $ 67,000 |
| Augusta County Virginia | 1 | $ 274,000 | $ 274,000 | $ 56,000 |
| Cumberland County Virginia | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| Greene County Virginia | 1 | $ 258,000 | $ 258,000 | $ 87,000 |
| Greensville County Virginia | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Henry County Virginia | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
| Lancaster County Virginia | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Lunenburg County Virginia | 1 | $ 103,000 | $ 103,000 | $ 39,000 |
| Mathews County Virginia | 1 | $ 253,000 | $ 253,000 | $ 65,000 |
| Middlesex County Virginia | 1 | $ 212,000 | $ 212,000 | $ 52,000 |
| Montgomery County Virginia | 1 | $ 86,000 | $ 86,000 | $ 175,000 |
| Page County Virginia | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| Pittsylvania County Virginia | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Prince Edward County Virginia | 1 | $ 220,000 | $ 220,000 | $ 50,000 |
| Radford County Virginia | 1 | $ 173,000 | $ 173,000 | $ 83,000 |
| Rappahannock County Virginia | 1 | $ 334,000 | $ 334,000 | $ 196,000 |
| Tazewell County Virginia | 1 | $ 243,000 | $ 243,000 | $ 57,000 |
| Warren County Virginia | 1 | $ 377,000 | $ 377,000 | $ 177,000 |
| Hardy County West Virginia | 1 | $ 110,000 | $ 110,000 | $ 155,000 |
| Monongalia County West Virginia | 1 | $ 130,000 | $ 130,000 | $ 117,000 |
| Randolph County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 130,000 |
| Wetzel County West Virginia | 1 | $ 122,000 | $ 122,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Monarch Bank in 2011
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 | 5,028 | $1,122,993,000 | $223,000 | $1,410,000 | $84,000 | $1,538,000 |
| Refinancing | 3,123 | $877,374,000 | $280,000 | $2,000,000 | $104,000 | $2,975,000 |
| Home Improvement | 53 | $13,289,000 | $250,000 | $665,000 | $141,000 | $523,000 |
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 | 5,080 | $1,270,413,000 | $250,000 | $2,000,000 | $101,000 | $1,538,000 |
| Black or African American | 1,486 | $316,853,000 | $213,000 | $1,292,000 | $70,000 | $2,975,000 |
| Not Provided | 759 | $217,075,000 | $286,000 | $1,500,000 | $96,000 | $910,000 |
| Hispanic | 466 | $100,599,000 | $215,000 | $2,000,000 | $67,000 | $486,000 |
| Asian | 300 | $79,858,000 | $266,000 | $905,000 | $95,000 | $670,000 |
| Not applicable | 49 | $13,528,000 | $276,000 | $1,559,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 40 | $9,623,000 | $240,000 | $760,000 | $63,000 | $145,000 |
| American Indian or Alaskan Native | 24 | $5,707,000 | $237,000 | $466,000 | $96,000 | $218,000 |
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) | 3,648 | $909,539,000 | $249,000 | $2,000,000 | $124,000 | $2,975,000 |
| FHA-insured (Federal Housing Administration) | 2,726 | $587,456,000 | $215,000 | $853,000 | $68,000 | $580,000 |
| VA-guaranteed (Veterans Administration) | 1,533 | $462,721,000 | $301,000 | $1,292,000 | $65,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 297 | $53,940,000 | $181,000 | $429,000 | $53,000 | $243,000 |
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 | 6,632 | $1,641,955,000 | $247,000 | $1,559,000 | $92,000 | $2,975,000 |
| Application Withdrawn By Applicant | 1,000 | $240,669,000 | $240,000 | $2,000,000 | $95,000 | $1,538,000 |
| Application Denied By Financial Institution | 313 | $69,293,000 | $221,000 | $2,000,000 | $73,000 | $1,283,000 |
| Application Approved But Not Accepted | 171 | $38,754,000 | $226,000 | $736,000 | $92,000 | $1,119,000 |
| File Closed For Incompleteness | 88 | $22,985,000 | $261,000 | $1,160,000 | $101,000 | $504,000 |
| 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 | 131 | $26,103,000 | $199,000 | $582,000 | $73,000 | $1,283,000 |
| Debt-To-Income Ratio | 79 | $19,676,000 | $249,000 | $683,000 | $66,000 | $268,000 |
| Other | 37 | $7,281,000 | $196,000 | $671,000 | $84,000 | $393,000 |
| Collateral | 27 | $5,626,000 | $208,000 | $552,000 | $71,000 | $142,000 |
| Unverifiable Information | 15 | $3,778,000 | $251,000 | $588,000 | $68,000 | $178,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,819,000 | $234,000 | $585,000 | $63,000 | $196,000 |
| Employment History | 4 | $725,000 | $181,000 | $279,000 | $79,000 | $166,000 |
| Credit Application Incomplete | 3 | $2,389,000 | $796,000 | $2,000,000 | $213,000 | $486,000 |
| Mortgage Insurance Denied | 2 | $214,000 | $107,000 | $119,000 | $42,000 | $46,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Monarch Bank's 2011 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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