Monticello Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Monticello Bank 2003 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 | Monticello Bank 10696 St. Augustine Road Jacksonville, FL 32257 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2003 |
| Total Number of Mortgage Applications | 4,701 |
| Total Mortgage Loan Application Amount | $767,761,000 |
| Average Mortgage Loan Application Amount | $180,443 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $101,568 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Monticello 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 Monticello Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Monticello 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 Monticello Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Monticello 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 Monticello Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County Florida | 340 | $ 51,820,000 | $ 152,000 | $ 66,000 |
| Palm Beach County Florida | 336 | $ 56,136,000 | $ 167,000 | $ 93,000 |
| Duval County Florida | 251 | $ 36,313,000 | $ 144,000 | $ 85,000 |
| Hillsborough County Florida | 167 | $ 26,353,000 | $ 157,000 | $ 74,000 |
| Volusia County Florida | 152 | $ 19,581,000 | $ 128,000 | $ 81,000 |
| Pinellas County Florida | 143 | $ 22,721,000 | $ 158,000 | $ 75,000 |
| St. Lucie County Florida | 130 | $ 17,024,000 | $ 130,000 | $ 69,000 |
| Fulton County Georgia | 127 | $ 29,362,000 | $ 231,000 | $ 101,000 |
| Flagler County Florida | 121 | $ 16,739,000 | $ 138,000 | $ 73,000 |
| Gwinnett County Georgia | 108 | $ 17,654,000 | $ 163,000 | $ 87,000 |
| Seminole County Florida | 107 | $ 16,537,000 | $ 154,000 | $ 79,000 |
| DeKalb County Georgia | 99 | $ 17,163,000 | $ 173,000 | $ 87,000 |
| St. Johns County Florida | 98 | $ 19,308,000 | $ 197,000 | $ 116,000 |
| Osceola County Florida | 81 | $ 11,068,000 | $ 136,000 | $ 58,000 |
| Brevard County Florida | 80 | $ 10,177,000 | $ 127,000 | $ 84,000 |
| Martin County Florida | 80 | $ 15,133,000 | $ 189,000 | $ 110,000 |
| Cobb County Georgia | 79 | $ 15,423,000 | $ 195,000 | $ 113,000 |
| Lee County Florida | 78 | $ 13,027,000 | $ 167,000 | $ 96,000 |
| Pasco County Florida | 61 | $ 8,911,000 | $ 146,000 | $ 70,000 |
| Polk County Florida | 61 | $ 8,254,000 | $ 135,000 | $ 67,000 |
| Broward County Florida | 57 | $ 9,927,000 | $ 174,000 | $ 91,000 |
| Manatee County Florida | 46 | $ 6,060,000 | $ 131,000 | $ 70,000 |
| Marion County Florida | 44 | $ 6,209,000 | $ 141,000 | $ 72,000 |
| Greenville County South Carolina | 43 | $ 5,086,000 | $ 118,000 | $ 79,000 |
| Hartford County Connecticut | 40 | $ 6,060,000 | $ 151,000 | $ 85,000 |
| Clay County Florida | 38 | $ 5,403,000 | $ 142,000 | $ 69,000 |
| Hampden County Massachusetts | 37 | $ 5,382,000 | $ 145,000 | $ 97,000 |
| Providence County Rhode Island | 37 | $ 4,586,000 | $ 123,000 | $ 62,000 |
| Lake County Florida | 36 | $ 5,764,000 | $ 160,000 | $ 70,000 |
| Sarasota County Florida | 36 | $ 7,013,000 | $ 194,000 | $ 76,000 |
| Forsyth County Georgia | 33 | $ 9,796,000 | $ 296,000 | $ 151,000 |
| Leon County Florida | 30 | $ 4,085,000 | $ 136,000 | $ 85,000 |
| Cherokee County Georgia | 29 | $ 5,694,000 | $ 196,000 | $ 96,000 |
| Henry County Georgia | 27 | $ 4,516,000 | $ 167,000 | $ 85,000 |
| Mecklenburg County North Carolina | 27 | $ 4,791,000 | $ 177,000 | $ 81,000 |
| Collier County Florida | 26 | $ 5,346,000 | $ 205,000 | $ 129,000 |
| Coweta County Georgia | 21 | $ 3,890,000 | $ 185,000 | $ 85,000 |
| Fayette County Georgia | 21 | $ 4,889,000 | $ 232,000 | $ 112,000 |
| Indian River County Florida | 20 | $ 2,454,000 | $ 122,000 | $ 69,000 |
| Wake County North Carolina | 17 | $ 2,300,000 | $ 135,000 | $ 78,000 |
| Franklin County Florida | 16 | $ 3,957,000 | $ 247,000 | $ 235,000 |
| Hall County Georgia | 16 | $ 3,329,000 | $ 208,000 | $ 80,000 |
| Tift County Georgia | 16 | $ 2,171,000 | $ 135,000 | $ 62,000 |
| Fairfax County Virginia | 16 | $ 4,422,000 | $ 276,000 | $ 106,000 |
| Nassau County Florida | 15 | $ 2,824,000 | $ 188,000 | $ 125,000 |
| Bibb County Georgia | 15 | $ 2,025,000 | $ 135,000 | $ 78,000 |
| Coffee County Georgia | 15 | $ 2,080,000 | $ 138,000 | $ 214,000 |
| Cook County Illinois | 15 | $ 4,285,000 | $ 285,000 | $ 111,000 |
| New Castle County Delaware | 14 | $ 1,727,000 | $ 123,000 | $ 59,000 |
| Douglas County Georgia | 14 | $ 1,839,000 | $ 131,000 | $ 80,000 |
| Walton County Georgia | 14 | $ 3,255,000 | $ 232,000 | $ 96,000 |
| Guilford County North Carolina | 14 | $ 1,943,000 | $ 138,000 | $ 142,000 |
| Bay County Florida | 13 | $ 2,470,000 | $ 190,000 | $ 79,000 |
| Okaloosa County Florida | 13 | $ 3,114,000 | $ 239,000 | $ 135,000 |
| Clayton County Georgia | 13 | $ 2,769,000 | $ 213,000 | $ 107,000 |
| Newton County Georgia | 13 | $ 1,496,000 | $ 115,000 | $ 50,000 |
| Citrus County Florida | 12 | $ 2,190,000 | $ 182,000 | $ 93,000 |
| Anne Arundel County Maryland | 12 | $ 2,019,000 | $ 168,000 | $ 61,000 |
| Macon County North Carolina | 12 | $ 3,097,000 | $ 258,000 | $ 167,000 |
| Beaufort County South Carolina | 12 | $ 2,885,000 | $ 240,000 | $ 239,000 |
| York County South Carolina | 12 | $ 1,950,000 | $ 162,000 | $ 59,000 |
| Baker County Florida | 11 | $ 1,369,000 | $ 124,000 | $ 56,000 |
| Horry County South Carolina | 11 | $ 4,794,000 | $ 435,000 | $ 302,000 |
| New Haven County Connecticut | 10 | $ 1,320,000 | $ 132,000 | $ 63,000 |
| Alachua County Florida | 10 | $ 1,493,000 | $ 149,000 | $ 88,000 |
| Hernando County Florida | 10 | $ 1,293,000 | $ 129,000 | $ 70,000 |
| Walton County Florida | 10 | $ 2,230,000 | $ 223,000 | $ 277,000 |
| Barnstable County Massachusetts | 10 | $ 1,889,000 | $ 188,000 | $ 88,000 |
| Iredell County North Carolina | 10 | $ 2,063,000 | $ 206,000 | $ 108,000 |
| Jackson County North Carolina | 10 | $ 2,882,000 | $ 288,000 | $ 186,000 |
| Allegheny County Pennsylvania | 10 | $ 1,416,000 | $ 141,000 | $ 93,000 |
| Los Angeles County California | 9 | $ 1,883,000 | $ 209,000 | $ 78,000 |
| Middlesex County Connecticut | 9 | $ 1,474,000 | $ 163,000 | $ 83,000 |
| Charlotte County Florida | 9 | $ 1,622,000 | $ 180,000 | $ 74,000 |
| Forsyth County North Carolina | 9 | $ 1,240,000 | $ 137,000 | $ 95,000 |
| Newport County Rhode Island | 9 | $ 1,456,000 | $ 161,000 | $ 72,000 |
| Charleston County South Carolina | 9 | $ 1,760,000 | $ 195,000 | $ 79,000 |
| Richland County South Carolina | 9 | $ 1,701,000 | $ 189,000 | $ 107,000 |
| Sevier County Tennessee | 9 | $ 1,188,000 | $ 132,000 | $ 113,000 |
| Maricopa County Arizona | 8 | $ 1,282,000 | $ 160,000 | $ 90,000 |
| Dawson County Georgia | 8 | $ 1,865,000 | $ 233,000 | $ 87,000 |
| Jackson County Georgia | 8 | $ 835,000 | $ 104,000 | $ 52,000 |
| Oakland County Michigan | 8 | $ 1,717,000 | $ 214,000 | $ 207,000 |
| Haywood County North Carolina | 8 | $ 1,585,000 | $ 198,000 | $ 98,000 |
| New Hanover County North Carolina | 8 | $ 1,147,000 | $ 143,000 | $ 68,000 |
| Beaver County Pennsylvania | 8 | $ 901,000 | $ 112,000 | $ 73,000 |
| Lexington County South Carolina | 8 | $ 1,282,000 | $ 160,000 | $ 61,000 |
| Spartanburg County South Carolina | 8 | $ 1,315,000 | $ 164,000 | $ 59,000 |
| Prince William County Virginia | 8 | $ 2,085,000 | $ 260,000 | $ 95,000 |
| Rockdale County Georgia | 7 | $ 822,000 | $ 117,000 | $ 59,000 |
| Baltimore County Maryland | 7 | $ 843,000 | $ 120,000 | $ 75,000 |
| Hampshire County Massachusetts | 7 | $ 1,133,000 | $ 161,000 | $ 91,000 |
| Middlesex County Massachusetts | 7 | $ 1,365,000 | $ 195,000 | $ 110,000 |
| Buncombe County North Carolina | 7 | $ 1,162,000 | $ 166,000 | $ 88,000 |
| Franklin County Ohio | 7 | $ 881,000 | $ 125,000 | $ 58,000 |
| Bristol County Rhode Island | 7 | $ 1,253,000 | $ 179,000 | $ 109,000 |
| Fairfield County Connecticut | 6 | $ 2,041,000 | $ 340,000 | $ 169,000 |
| Tolland County Connecticut | 6 | $ 726,000 | $ 121,000 | $ 88,000 |
| Escambia County Florida | 6 | $ 868,000 | $ 144,000 | $ 134,000 |
| Monroe County Florida | 6 | $ 1,488,000 | $ 248,000 | $ 142,000 |
| Santa Rosa County Florida | 6 | $ 855,000 | $ 142,000 | $ 98,000 |
| Sumter County Florida | 6 | $ 763,000 | $ 127,000 | $ 90,000 |
| Columbia County Georgia | 6 | $ 755,000 | $ 125,000 | $ 66,000 |
| Lumpkin County Georgia | 6 | $ 819,000 | $ 136,000 | $ 60,000 |
| Muscogee County Georgia | 6 | $ 766,000 | $ 127,000 | $ 52,000 |
| Paulding County Georgia | 6 | $ 798,000 | $ 133,000 | $ 90,000 |
| Pierce County Georgia | 6 | $ 610,000 | $ 101,000 | $ 69,000 |
| White County Georgia | 6 | $ 970,000 | $ 161,000 | $ 82,000 |
| Montgomery County Maryland | 6 | $ 1,108,000 | $ 184,000 | $ 78,000 |
| Middlesex County New Jersey | 6 | $ 1,265,000 | $ 210,000 | $ 95,000 |
| Cabarrus County North Carolina | 6 | $ 666,000 | $ 111,000 | $ 59,000 |
| Washington County Rhode Island | 6 | $ 783,000 | $ 130,000 | $ 85,000 |
| Knox County Tennessee | 6 | $ 775,000 | $ 129,000 | $ 80,000 |
| Virginia Beach County Virginia | 6 | $ 1,179,000 | $ 196,000 | $ 102,000 |
| Riverside County California | 5 | $ 1,039,000 | $ 207,000 | $ 92,000 |
| Litchfield County Connecticut | 5 | $ 670,000 | $ 134,000 | $ 76,000 |
| Columbia County Florida | 5 | $ 651,000 | $ 130,000 | $ 59,000 |
| Barrow County Georgia | 5 | $ 543,000 | $ 108,000 | $ 44,000 |
| Carroll County Georgia | 5 | $ 646,000 | $ 129,000 | $ 98,000 |
| Ware County Georgia | 5 | $ 648,000 | $ 129,000 | $ 89,000 |
| Prince George's County Maryland | 5 | $ 827,000 | $ 165,000 | $ 73,000 |
| Bristol County Massachusetts | 5 | $ 592,000 | $ 118,000 | $ 52,000 |
| Kent County Michigan | 5 | $ 869,000 | $ 173,000 | $ 81,000 |
| Macomb County Michigan | 5 | $ 983,000 | $ 196,000 | $ 73,000 |
| Hennepin County Minnesota | 5 | $ 1,679,000 | $ 335,000 | $ 240,000 |
| Clark County Nevada | 5 | $ 939,000 | $ 187,000 | $ 118,000 |
| Cape May County New Jersey | 5 | $ 910,000 | $ 182,000 | $ 238,000 |
| Morris County New Jersey | 5 | $ 1,316,000 | $ 263,000 | $ 101,000 |
| Union County North Carolina | 5 | $ 1,892,000 | $ 378,000 | $ 268,000 |
| Kent County Rhode Island | 5 | $ 664,000 | $ 132,000 | $ 64,000 |
| Aiken County South Carolina | 5 | $ 675,000 | $ 135,000 | $ 66,000 |
| Anderson County South Carolina | 5 | $ 552,000 | $ 110,000 | $ 53,000 |
| Pickens County South Carolina | 5 | $ 520,000 | $ 104,000 | $ 45,000 |
| Alameda County California | 4 | $ 1,116,000 | $ 279,000 | $ 95,000 |
| San Diego County California | 4 | $ 862,000 | $ 215,000 | $ 107,000 |
| Gulf County Florida | 4 | $ 834,000 | $ 208,000 | $ 105,000 |
| Catoosa County Georgia | 4 | $ 516,000 | $ 129,000 | $ 83,000 |
| Houston County Georgia | 4 | $ 382,000 | $ 95,000 | $ 68,000 |
| Richmond County Georgia | 4 | $ 524,000 | $ 131,000 | $ 57,000 |
| Union County Georgia | 4 | $ 339,000 | $ 84,000 | $ 36,000 |
| DuPage County Illinois | 4 | $ 641,000 | $ 160,000 | $ 62,000 |
| Elkhart County Indiana | 4 | $ 577,000 | $ 144,000 | $ 104,000 |
| Polk County Iowa | 4 | $ 437,000 | $ 109,000 | $ 91,000 |
| Johnson County Kansas | 4 | $ 752,000 | $ 188,000 | $ 144,000 |
| Plymouth County Massachusetts | 4 | $ 694,000 | $ 173,000 | $ 62,000 |
| Worcester County Massachusetts | 4 | $ 748,000 | $ 187,000 | $ 76,000 |
| Washtenaw County Michigan | 4 | $ 446,000 | $ 111,000 | $ 69,000 |
| Wayne County Michigan | 4 | $ 384,000 | $ 96,000 | $ 73,000 |
| Platte County Missouri | 4 | $ 598,000 | $ 149,000 | $ 57,000 |
| Cherokee County North Carolina | 4 | $ 491,000 | $ 122,000 | $ 137,000 |
| Rowan County North Carolina | 4 | $ 539,000 | $ 134,000 | $ 58,000 |
| Watauga County North Carolina | 4 | $ 362,000 | $ 90,000 | $ 79,000 |
| Hamilton County Ohio | 4 | $ 381,000 | $ 95,000 | $ 81,000 |
| Alexandria County Virginia | 4 | $ 415,000 | $ 103,000 | $ 59,000 |
| Winnebago County Wisconsin | 4 | $ 680,000 | $ 170,000 | $ 61,000 |
| San Joaquin County California | 3 | $ 462,000 | $ 154,000 | $ 52,000 |
| Hendry County Florida | 3 | $ 299,000 | $ 99,000 | $ 90,000 |
| Levy County Florida | 3 | $ 378,000 | $ 126,000 | $ 126,000 |
| Putnam County Florida | 3 | $ 270,000 | $ 90,000 | $ 49,000 |
| Wakulla County Florida | 3 | $ 475,000 | $ 158,000 | $ 71,000 |
| Bartow County Georgia | 3 | $ 653,000 | $ 217,000 | $ 89,000 |
| Clarke County Georgia | 3 | $ 203,000 | $ 67,000 | $ 44,000 |
| Towns County Georgia | 3 | $ 626,000 | $ 208,000 | $ 126,000 |
| Cumberland County Maine | 3 | $ 491,000 | $ 163,000 | $ 101,000 |
| Suffolk County Massachusetts | 3 | $ 654,000 | $ 218,000 | $ 36,000 |
| Bergen County New Jersey | 3 | $ 1,120,000 | $ 373,000 | $ 152,000 |
| Gloucester County New Jersey | 3 | $ 375,000 | $ 125,000 | $ 188,000 |
| Ocean County New Jersey | 3 | $ 567,000 | $ 189,000 | $ 131,000 |
| Somerset County New Jersey | 3 | $ 428,000 | $ 142,000 | $ 126,000 |
| Durham County North Carolina | 3 | $ 336,000 | $ 112,000 | $ 80,000 |
| Rutherford County North Carolina | 3 | $ 265,000 | $ 88,000 | $ 112,000 |
| Cuyahoga County Ohio | 3 | $ 368,000 | $ 122,000 | $ 83,000 |
| Multnomah County Oregon | 3 | $ 554,000 | $ 184,000 | $ 62,000 |
| Delaware County Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 75,000 |
| Berkeley County South Carolina | 3 | $ 430,000 | $ 143,000 | $ 132,000 |
| Davidson County Tennessee | 3 | $ 308,000 | $ 102,000 | $ 43,000 |
| Hamilton County Tennessee | 3 | $ 352,000 | $ 117,000 | $ 78,000 |
| Harris County Texas | 3 | $ 556,000 | $ 185,000 | $ 100,000 |
| Salt Lake County Utah | 3 | $ 471,000 | $ 157,000 | $ 151,000 |
| Hanover County Virginia | 3 | $ 466,000 | $ 155,000 | $ 53,000 |
| Henrico County Virginia | 3 | $ 374,000 | $ 124,000 | $ 76,000 |
| Norfolk County Virginia | 3 | $ 403,000 | $ 134,000 | $ 92,000 |
| Jefferson County West Virginia | 3 | $ 591,000 | $ 197,000 | $ 95,000 |
| Brown County Wisconsin | 3 | $ 286,000 | $ 95,000 | $ 51,000 |
| Racine County Wisconsin | 3 | $ 476,000 | $ 158,000 | $ 94,000 |
| Yavapai County Arizona | 2 | $ 283,000 | $ 141,000 | $ 116,000 |
| Pulaski County Arkansas | 2 | $ 247,000 | $ 123,000 | $ 58,000 |
| Kern County California | 2 | $ 289,000 | $ 144,000 | $ 61,000 |
| Orange County California | 2 | $ 869,000 | $ 434,000 | $ 163,000 |
| Sacramento County California | 2 | $ 384,000 | $ 192,000 | $ 68,000 |
| San Bernardino County California | 2 | $ 230,000 | $ 115,000 | $ 63,000 |
| Adams County Colorado | 2 | $ 489,000 | $ 244,000 | $ 67,000 |
| El Paso County Colorado | 2 | $ 426,000 | $ 213,000 | $ 77,000 |
| Sussex County Delaware | 2 | $ 348,000 | $ 174,000 | $ 56,000 |
| Highlands County Florida | 2 | $ 235,000 | $ 117,000 | $ 32,000 |
| Ben Hill County Georgia | 2 | $ 270,000 | $ 135,000 | $ 37,000 |
| Chatham County Georgia | 2 | $ 125,000 | $ 62,000 | $ 54,000 |
| Glynn County Georgia | 2 | $ 359,000 | $ 179,000 | $ 68,000 |
| Haralson County Georgia | 2 | $ 369,000 | $ 184,000 | $ 91,000 |
| Lowndes County Georgia | 2 | $ 231,000 | $ 115,000 | $ 57,000 |
| Monroe County Georgia | 2 | $ 474,000 | $ 237,000 | $ 78,000 |
| Pickens County Georgia | 2 | $ 435,000 | $ 217,000 | $ 65,000 |
| Pike County Georgia | 2 | $ 338,000 | $ 169,000 | $ 46,000 |
| Polk County Georgia | 2 | $ 137,000 | $ 68,000 | $ 29,000 |
| Troup County Georgia | 2 | $ 194,000 | $ 97,000 | $ 46,000 |
| Walker County Georgia | 2 | $ 341,000 | $ 170,000 | $ 60,000 |
| Whitfield County Georgia | 2 | $ 313,000 | $ 156,000 | $ 66,000 |
| Kauai County Hawaii | 2 | $ 572,000 | $ 286,000 | $ 241,000 |
| Lake County Illinois | 2 | $ 334,000 | $ 167,000 | $ 80,000 |
| McLean County Illinois | 2 | $ 111,000 | $ 55,000 | $ 55,000 |
| Hamilton County Indiana | 2 | $ 600,000 | $ 300,000 | $ 151,000 |
| Kosciusko County Indiana | 2 | $ 892,000 | $ 446,000 | $ 174,000 |
| Baltimore City County Maryland | 2 | $ 134,000 | $ 67,000 | $ 70,000 |
| Caroline County Maryland | 2 | $ 455,000 | $ 227,000 | $ 150,000 |
| Cecil County Maryland | 2 | $ 612,000 | $ 306,000 | $ 162,000 |
| Howard County Maryland | 2 | $ 318,000 | $ 159,000 | $ 59,000 |
| Worcester County Maryland | 2 | $ 261,000 | $ 130,000 | $ 83,000 |
| Essex County Massachusetts | 2 | $ 414,000 | $ 207,000 | $ 64,000 |
| Nantucket County Massachusetts | 2 | $ 827,000 | $ 413,000 | $ 31,000 |
| Norfolk County Massachusetts | 2 | $ 443,000 | $ 221,000 | $ 55,000 |
| Jackson County Mississippi | 2 | $ 249,000 | $ 124,000 | $ 83,000 |
| Rankin County Mississippi | 2 | $ 368,000 | $ 184,000 | $ 245,000 |
| Christian County Missouri | 2 | $ 290,000 | $ 145,000 | $ 128,000 |
| St. Louis County Missouri | 2 | $ 180,000 | $ 90,000 | $ 83,000 |
| Washoe County Nevada | 2 | $ 268,000 | $ 134,000 | $ 109,000 |
| Belknap County New Hampshire | 2 | $ 285,000 | $ 142,000 | $ 36,000 |
| Atlantic County New Jersey | 2 | $ 245,000 | $ 122,000 | $ 64,000 |
| Essex County New Jersey | 2 | $ 505,000 | $ 252,000 | $ 112,000 |
| Hudson County New Jersey | 2 | $ 593,000 | $ 296,000 | $ 154,000 |
| Hunterdon County New Jersey | 2 | $ 473,000 | $ 236,000 | $ 84,000 |
| Union County New Jersey | 2 | $ 345,000 | $ 172,000 | $ 87,000 |
| Alamance County North Carolina | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| Catawba County North Carolina | 2 | $ 447,000 | $ 223,000 | $ 117,000 |
| Craven County North Carolina | 2 | $ 128,000 | $ 64,000 | $ 125,000 |
| Davidson County North Carolina | 2 | $ 253,000 | $ 126,000 | $ 45,000 |
| Henderson County North Carolina | 2 | $ 517,000 | $ 258,000 | $ 246,000 |
| Moore County North Carolina | 2 | $ 246,000 | $ 123,000 | $ 59,000 |
| Orange County North Carolina | 2 | $ 605,000 | $ 302,000 | $ 152,000 |
| Rockingham County North Carolina | 2 | $ 206,000 | $ 103,000 | $ 70,000 |
| Greene County Ohio | 2 | $ 409,000 | $ 204,000 | $ 100,000 |
| Lorain County Ohio | 2 | $ 159,000 | $ 79,000 | $ 30,000 |
| Medina County Ohio | 2 | $ 283,000 | $ 141,000 | $ 49,000 |
| Wayne County Ohio | 2 | $ 261,000 | $ 130,000 | $ 62,000 |
| Deschutes County Oregon | 2 | $ 136,000 | $ 68,000 | $ 35,000 |
| Lehigh County Pennsylvania | 2 | $ 299,000 | $ 149,000 | $ 92,000 |
| Montgomery County Pennsylvania | 2 | $ 618,000 | $ 309,000 | $ 199,000 |
| Westmoreland County Pennsylvania | 2 | $ 237,000 | $ 118,000 | $ 64,000 |
| York County Pennsylvania | 2 | $ 495,000 | $ 247,000 | $ 103,000 |
| Cherokee County South Carolina | 2 | $ 293,000 | $ 146,000 | $ 59,000 |
| Georgetown County South Carolina | 2 | $ 501,000 | $ 250,000 | $ 36,000 |
| Greenwood County South Carolina | 2 | $ 375,000 | $ 187,000 | $ 52,000 |
| Lancaster County South Carolina | 2 | $ 148,000 | $ 74,000 | $ 37,000 |
| Newberry County South Carolina | 2 | $ 196,000 | $ 98,000 | $ 31,000 |
| Bradley County Tennessee | 2 | $ 338,000 | $ 169,000 | $ 88,000 |
| Montgomery County Tennessee | 2 | $ 398,000 | $ 199,000 | $ 81,000 |
| Shelby County Tennessee | 2 | $ 326,000 | $ 163,000 | $ 72,000 |
| Williamson County Tennessee | 2 | $ 397,000 | $ 198,000 | $ 240,000 |
| Bennington County Vermont | 2 | $ 179,000 | $ 89,000 | $ 100,000 |
| Arlington County Virginia | 2 | $ 254,000 | $ 127,000 | $ 100,000 |
| Loudoun County Virginia | 2 | $ 268,000 | $ 134,000 | $ 118,000 |
| Newport News County Virginia | 2 | $ 217,000 | $ 108,000 | $ 60,000 |
| King County Washington | 2 | $ 295,000 | $ 147,000 | $ 107,000 |
| Kanawha County West Virginia | 2 | $ 562,000 | $ 281,000 | $ 155,000 |
| Waukesha County Wisconsin | 2 | $ 334,000 | $ 167,000 | $ 57,000 |
| Coconino County Arizona | 1 | $ 113,000 | $ 113,000 | $ 94,000 |
| Mohave County Arizona | 1 | $ 190,000 | $ 190,000 | $ 115,000 |
| Garland County Arkansas | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Saline County Arkansas | 1 | $ 84,000 | $ 84,000 | $ 33,000 |
| Sebastian County Arkansas | 1 | $ 152,000 | $ 152,000 | $ 103,000 |
| Washington County Arkansas | 1 | $ 172,000 | $ 172,000 | $ 82,000 |
| Amador County California | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| El Dorado County California | 1 | $ 323,000 | $ 323,000 | $ 50,000 |
| Humboldt County California | 1 | $ 133,000 | $ 133,000 | $ 47,000 |
| Mendocino County California | 1 | $ 184,000 | $ 184,000 | $ 113,000 |
| Placer County California | 1 | $ 213,000 | $ 213,000 | $ 198,000 |
| San Mateo County California | 1 | $ 280,000 | $ 280,000 | $ 56,000 |
| Santa Clara County California | 1 | $ 140,000 | $ 140,000 | $ 113,000 |
| Sutter County California | 1 | $ 82,000 | $ 82,000 | $ 43,000 |
| Ventura County California | 1 | $ 323,000 | $ 323,000 | $ 69,000 |
| Boulder County Colorado | 1 | $ 240,000 | $ 240,000 | $ 162,000 |
| Denver County Colorado | 1 | $ 525,000 | $ 525,000 | $ 173,000 |
| Grand County Colorado | 1 | $ 488,000 | $ 488,000 | $ 173,000 |
| Jefferson County Colorado | 1 | $ 639,000 | $ 639,000 | $ 127,000 |
| New London County Connecticut | 1 | $ 118,000 | $ 118,000 | $ 35,000 |
| Windham County Connecticut | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Bradford County Florida | 1 | $ 59,000 | $ 59,000 | $ 38,000 |
| Gilchrist County Florida | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Miami-Dade County Florida | 1 | $ 323,000 | $ 323,000 | $ 154,000 |
| Okeechobee County Florida | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Bryan County Georgia | 1 | $ 149,000 | $ 149,000 | $ 57,000 |
| Butts County Georgia | 1 | $ 81,000 | $ 81,000 | $ 102,000 |
| Chattooga County Georgia | 1 | $ 162,000 | $ 162,000 | $ 61,000 |
| Crisp County Georgia | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Effingham County Georgia | 1 | $ 91,000 | $ 91,000 | $ 57,000 |
| Fannin County Georgia | 1 | $ 350,000 | $ 350,000 | $ 53,000 |
| Gilmer County Georgia | 1 | $ 148,000 | $ 148,000 | $ 132,000 |
| Harris County Georgia | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Heard County Georgia | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Jasper County Georgia | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| Lanier County Georgia | 1 | $ 178,000 | $ 178,000 | $ 124,000 |
| Lee County Georgia | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Lincoln County Georgia | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Meriwether County Georgia | 1 | $ 248,000 | $ 248,000 | $ 69,000 |
| Mitchell County Georgia | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Murray County Georgia | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Putnam County Georgia | 1 | $ 413,000 | $ 413,000 | $ 148,000 |
| Rabun County Georgia | 1 | $ 153,000 | $ 153,000 | $ 153,000 |
| Spalding County Georgia | 1 | $ 144,000 | $ 144,000 | $ 68,000 |
| Stewart County Georgia | 1 | $ 76,000 | $ 76,000 | $ 84,000 |
| Terrell County Georgia | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Thomas County Georgia | 1 | $ 137,000 | $ 137,000 | $ 93,000 |
| Wilcox County Georgia | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Worth County Georgia | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| DeKalb County Illinois | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Madison County Illinois | 1 | $ 384,000 | $ 384,000 | $ 183,000 |
| McHenry County Illinois | 1 | $ 121,000 | $ 121,000 | $ 81,000 |
| St. Clair County Illinois | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Allen County Indiana | 1 | $ 182,000 | $ 182,000 | $ 56,000 |
| Dearborn County Indiana | 1 | $ 138,000 | $ 138,000 | $ 90,000 |
| Hendricks County Indiana | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Lake County Indiana | 1 | $ 96,000 | $ 96,000 | $ 73,000 |
| Madison County Indiana | 1 | $ 223,000 | $ 223,000 | $ 83,000 |
| Marion County Indiana | 1 | $ 68,000 | $ 68,000 | $ 173,000 |
| Rush County Indiana | 1 | $ 88,000 | $ 88,000 | $ 153,000 |
| Spencer County Indiana | 1 | $ 54,000 | $ 54,000 | $ 104,000 |
| Whitley County Indiana | 1 | $ 75,000 | $ 75,000 | $ 157,000 |
| Scott County Iowa | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Riley County Kansas | 1 | $ 112,000 | $ 112,000 | $ 51,000 |
| Caldwell County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Grayson County Kentucky | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Mason County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Jefferson County Louisiana | 1 | $ 78,000 | $ 78,000 | $ 86,000 |
| Orleans County Louisiana | 1 | $ 311,000 | $ 311,000 | $ 135,000 |
| St. Landry County Louisiana | 1 | $ 250,000 | $ 250,000 | $ 52,000 |
| Tangipahoa County Louisiana | 1 | $ 152,000 | $ 152,000 | $ 67,000 |
| Hancock County Maine | 1 | $ 240,000 | $ 240,000 | $ 330,000 |
| Washington County Maine | 1 | $ 120,000 | $ 120,000 | $ 16,000 |
| York County Maine | 1 | $ 200,000 | $ 200,000 | $ 118,000 |
| Calvert County Maryland | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Kent County Maryland | 1 | $ 60,000 | $ 60,000 | $ 181,000 |
| Franklin County Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 131,000 |
| Genesee County Michigan | 1 | $ 126,000 | $ 126,000 | $ 59,000 |
| Grand Traverse County Michigan | 1 | $ 191,000 | $ 191,000 | $ 78,000 |
| Hillsdale County Michigan | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| Leelanau County Michigan | 1 | $ 322,000 | $ 322,000 | $ 186,000 |
| Lenawee County Michigan | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Mackinac County Michigan | 1 | $ 96,000 | $ 96,000 | $ 70,000 |
| Saginaw County Michigan | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Sanilac County Michigan | 1 | $ 59,000 | $ 59,000 | $ 188,000 |
| Anoka County Minnesota | 1 | $ 187,000 | $ 187,000 | $ 92,000 |
| Goodhue County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Ramsey County Minnesota | 1 | $ 176,000 | $ 176,000 | $ 40,000 |
| Chickasaw County Mississippi | 1 | $ 52,000 | $ 52,000 | $ 31,000 |
| DeSoto County Mississippi | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Harrison County Mississippi | 1 | $ 222,000 | $ 222,000 | $ 48,000 |
| Oktibbeha County Mississippi | 1 | $ 111,000 | $ 111,000 | $ 138,000 |
| Boone County Missouri | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Cape Girardeau County Missouri | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Greene County Missouri | 1 | $ 142,000 | $ 142,000 | $ 40,000 |
| Lewis County Missouri | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| St. Charles County Missouri | 1 | $ 111,000 | $ 111,000 | $ 66,000 |
| St. Louis City County Missouri | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Stone County Missouri | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Scotts Bluff County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Rockingham County New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Burlington County New Jersey | 1 | $ 244,000 | $ 244,000 | $ 146,000 |
| Camden County New Jersey | 1 | $ 207,000 | $ 207,000 | $ 91,000 |
| Mercer County New Jersey | 1 | $ 146,000 | $ 146,000 | $ 153,000 |
| Monmouth County New Jersey | 1 | $ 260,000 | $ 260,000 | $ 250,000 |
| Passaic County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Warren County New Jersey | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Dona Ana County New Mexico | 1 | $ 76,000 | $ 76,000 | $ 24,000 |
| Alexander County North Carolina | 1 | $ 232,000 | $ 232,000 | $ 125,000 |
| Avery County North Carolina | 1 | $ 54,000 | $ 54,000 | $ 150,000 |
| Beaufort County North Carolina | 1 | $ 284,000 | $ 284,000 | $ 51,000 |
| Brunswick County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 89,000 |
| Burke County North Carolina | 1 | $ 78,000 | $ 78,000 | $ 45,000 |
| Caswell County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Chatham County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 152,000 |
| Dare County North Carolina | 1 | $ 383,000 | $ 383,000 | $ 207,000 |
| Gaston County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Graham County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 190,000 |
| Granville County North Carolina | 1 | $ 107,000 | $ 107,000 | $ 42,000 |
| Johnston County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Lee County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Mitchell County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Pender County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 94,000 |
| Polk County North Carolina | 1 | $ 82,000 | $ 82,000 | $ 29,000 |
| Randolph County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Scotland County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Stanly County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Transylvania County North Carolina | 1 | $ 787,000 | $ 787,000 | $ 300,000 |
| Vance County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Yancey County North Carolina | 1 | $ 71,000 | $ 71,000 | $ 68,000 |
| Allen County Ohio | 1 | $ 93,000 | $ 93,000 | $ 62,000 |
| Butler County Ohio | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| Clinton County Ohio | 1 | $ 118,000 | $ 118,000 | $ 31,000 |
| Lake County Ohio | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Trumbull County Ohio | 1 | $ 54,000 | $ 54,000 | $ 43,000 |
| Warren County Ohio | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Creek County Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 92,000 |
| Oklahoma County Oklahoma | 1 | $ 532,000 | $ 532,000 | $ 163,000 |
| Pushmataha County Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Marion County Oregon | 1 | $ 143,000 | $ 143,000 | $ 78,000 |
| Adams County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 41,000 |
| Berks County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 400,000 |
| Blair County Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 93,000 |
| Bucks County Pennsylvania | 1 | $ 218,000 | $ 218,000 | $ 144,000 |
| Indiana County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 85,000 |
| Monroe County Pennsylvania | 1 | $ 246,000 | $ 246,000 | $ 193,000 |
| Chester County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Dorchester County South Carolina | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Florence County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 46,000 |
| Laurens County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 71,000 |
| Lee County South Carolina | 1 | $ 66,000 | $ 66,000 | $ 65,000 |
| Oconee County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 124,000 |
| Sumter County South Carolina | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Blount County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 137,000 |
| Claiborne County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Cumberland County Tennessee | 1 | $ 138,000 | $ 138,000 | $ 104,000 |
| DeKalb County Tennessee | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Hickman County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 64,000 |
| Johnson County Tennessee | 1 | $ 51,000 | $ 51,000 | $ 63,000 |
| Polk County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 311,000 |
| Rutherford County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Washington County Tennessee | 1 | $ 149,000 | $ 149,000 | $ 47,000 |
| Denton County Texas | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Montgomery County Texas | 1 | $ 120,000 | $ 120,000 | $ 657,000 |
| Chittenden County Vermont | 1 | $ 114,000 | $ 114,000 | $ 180,000 |
| Windsor County Vermont | 1 | $ 178,000 | $ 178,000 | $ 31,000 |
| Albemarle County Virginia | 1 | $ 251,000 | $ 251,000 | $ 130,000 |
| Chesapeake County Virginia | 1 | $ 246,000 | $ 246,000 | $ 90,000 |
| Fluvanna County Virginia | 1 | $ 197,000 | $ 197,000 | $ 72,000 |
| Franklin County Virginia | 1 | $ 248,000 | $ 248,000 | $ 444,000 |
| Frederick County Virginia | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
| Galax County Virginia | 1 | $ 99,000 | $ 99,000 | $ 54,000 |
| Grayson County Virginia | 1 | $ 92,000 | $ 92,000 | $ 123,000 |
| Harrisonburg County Virginia | 1 | $ 128,000 | $ 128,000 | $ 223,000 |
| Louisa County Virginia | 1 | $ 92,000 | $ 92,000 | $ 56,000 |
| Montgomery County Virginia | 1 | $ 128,000 | $ 128,000 | $ 49,000 |
| Powhatan County Virginia | 1 | $ 131,000 | $ 131,000 | $ 73,000 |
| Prince Edward County Virginia | 1 | $ 164,000 | $ 164,000 | $ 46,000 |
| Pulaski County Virginia | 1 | $ 59,000 | $ 59,000 | $ 44,000 |
| Roanoke County Virginia | 1 | $ 54,000 | $ 54,000 | $ 60,000 |
| Stafford County Virginia | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Warren County Virginia | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Washington County Virginia | 1 | $ 77,000 | $ 77,000 | $ 94,000 |
| Pierce County Washington | 1 | $ 82,000 | $ 82,000 | $ 56,000 |
| Skagit County Washington | 1 | $ 290,000 | $ 290,000 | $ 112,000 |
| Walla Walla County Washington | 1 | $ 122,000 | $ 122,000 | $ 79,000 |
| Berkeley County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 149,000 |
| Hancock County West Virginia | 1 | $ 143,000 | $ 143,000 | $ 85,000 |
| Hardy County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Harrison County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Marshall County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 99,000 |
| Mercer County West Virginia | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Monroe County West Virginia | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Wood County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Forest County Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Kenosha County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Manitowoc County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Milwaukee County Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 43,000 |
| Shawano County Wisconsin | 1 | $ 251,000 | $ 251,000 | $ 143,000 |
| Washington County Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 72,000 |
| Converse County Wyoming | 1 | $ 102,000 | $ 102,000 | $ 132,000 |
| Laramie County Wyoming | 1 | $ 203,000 | $ 203,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Monticello Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,535 | $404,778,000 | $158,097 | $1,425,000 | $90,926 | $2,400,000 |
| Home Purchase (one-to-four family) | 2,095 | $350,563,000 | $185,921 | $1,300,000 | $107,763 | $1,060,000 |
| Home Improvement (one-to-four family) | 71 | $12,420,000 | $259,111 | $968,000 | $123,888 | $293,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 3,264 | $543,121,000 | $171,071 | $1,425,000 | $108,595 | $2,400,000 |
| Information not provided by applicant in mail or telephone application | 779 | $125,839,000 | $155,787 | $750,000 | $87,818 | $690,000 |
| Hispanic | 241 | $31,889,000 | $170,266 | $320,000 | $74,733 | $750,000 |
| Black | 211 | $34,259,000 | $187,470 | $1,260,000 | $125,352 | $540,000 |
| Asian or Pacific Islander | 125 | $20,942,000 | $185,437 | $1,300,000 | $89,250 | $828,000 |
| Other | 69 | $9,994,000 | $138,714 | $500,000 | $71,285 | $161,000 |
| American Indian or Alaskan Native | 12 | $1,717,000 | $165,000 | $295,000 | $78,600 | $139,000 |
| Not applicable | 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) | 4,671 | $765,744,000 | $167,069 | $1,425,000 | $98,697 | $2,400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $1,815,000 | $51,625 | $305,000 | $139,250 | $580,000 |
| FHA-insured (Federal Housing Administration) | 1 | $202,000 | $202,000 | $202,000 | $99,000 | $99,000 |
| 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 | 3,955 | $635,552,000 | $166,785 | $1,300,000 | $98,833 | $2,400,000 |
| Application Denied By Financial Institution | 447 | $78,653,000 | $180,906 | $910,000 | $105,906 | $580,000 |
| Application Withdrawn By Applicant | 194 | $36,511,000 | $194,625 | $1,425,000 | $98,166 | $1,060,000 |
| Application Approved But Not Accepted | 103 | $16,808,000 | $128,133 | $650,000 | $80,800 | $861,000 |
| File Closed For Incompleteness | 2 | $237,000 | $118,500 | $152,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 161 | $28,076,000 | $157,950 | $650,000 | $88,100 | $456,000 |
| Debt-To-Income Ratio | 112 | $19,731,000 | $210,857 | $650,000 | $79,428 | $328,000 |
| Collateral | 82 | $14,523,000 | $174,100 | $575,000 | $117,300 | $537,000 |
| Credit History | 48 | $8,157,000 | $227,000 | $650,000 | $106,076 | $331,000 |
| Credit Application Incomplete | 14 | $2,750,000 | $265,200 | $750,000 | $136,600 | $312,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,400,000 | $101,250 | $419,000 | $130,250 | $216,000 |
| Employment History | 10 | $1,698,000 | $170,750 | $409,000 | $112,250 | $471,000 |
| Mortgage Insurance Denied | 7 | $1,817,000 | $195,666 | $910,000 | $163,333 | $580,000 |
| Unverifiable Information | 2 | $501,000 | $250,000 | $255,000 | $87,000 | $132,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Monticello Bank's 2003 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 Monticello 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.