Monticello Bank Mortgage Lending & HMDA Data, 2003
In 2003, Monticello Bank of Jacksonville, FL reported 4,701 mortgage applications totaling $767.8 million. The average application was for $163,318, and applicants reported an average income of $87,977. 84% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Atlanta, GA (627), Orlando, FL (564) and Jacksonville, FL (402) (applications in parentheses).
| 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 | $163,318 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $87,977 |
| Highest Applicant Income | $2,400,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Monticello Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange, Florida | 340 | $ 51,820,000 | $ 152,411 | $ 66,000 |
| Palm Beach, Florida | 336 | $ 56,136,000 | $ 167,071 | $ 93,000 |
| Duval, Florida | 251 | $ 36,313,000 | $ 144,673 | $ 85,000 |
| Hillsborough, Florida | 167 | $ 26,353,000 | $ 157,802 | $ 74,000 |
| Volusia, Florida | 152 | $ 19,581,000 | $ 128,822 | $ 81,000 |
| Pinellas, Florida | 143 | $ 22,721,000 | $ 158,888 | $ 75,000 |
| St. Lucie, Florida | 130 | $ 17,024,000 | $ 130,953 | $ 69,000 |
| Fulton, Georgia | 127 | $ 29,362,000 | $ 231,196 | $ 101,000 |
| Flagler, Florida | 121 | $ 16,739,000 | $ 138,338 | $ 73,000 |
| Gwinnett, Georgia | 108 | $ 17,654,000 | $ 163,462 | $ 87,000 |
| Seminole, Florida | 107 | $ 16,537,000 | $ 154,551 | $ 79,000 |
| DeKalb, Georgia | 99 | $ 17,163,000 | $ 173,363 | $ 87,000 |
| St. Johns, Florida | 98 | $ 19,308,000 | $ 197,020 | $ 116,000 |
| Osceola, Florida | 81 | $ 11,068,000 | $ 136,641 | $ 58,000 |
| Brevard, Florida | 80 | $ 10,177,000 | $ 127,212 | $ 84,000 |
| Martin, Florida | 80 | $ 15,133,000 | $ 189,162 | $ 110,000 |
| Cobb, Georgia | 79 | $ 15,423,000 | $ 195,227 | $ 113,000 |
| Lee, Florida | 78 | $ 13,027,000 | $ 167,012 | $ 96,000 |
| Pasco, Florida | 61 | $ 8,911,000 | $ 146,081 | $ 70,000 |
| Polk, Florida | 61 | $ 8,254,000 | $ 135,311 | $ 67,000 |
| Broward, Florida | 57 | $ 9,927,000 | $ 174,157 | $ 91,000 |
| Manatee, Florida | 46 | $ 6,060,000 | $ 131,739 | $ 70,000 |
| Marion, Florida | 44 | $ 6,209,000 | $ 141,113 | $ 72,000 |
| Greenville, South Carolina | 43 | $ 5,086,000 | $ 118,279 | $ 79,000 |
| Hartford, Connecticut | 40 | $ 6,060,000 | $ 151,500 | $ 85,000 |
| Clay, Florida | 38 | $ 5,403,000 | $ 142,184 | $ 69,000 |
| Hampden, Massachusetts | 37 | $ 5,382,000 | $ 145,459 | $ 97,000 |
| Providence, Rhode Island | 37 | $ 4,586,000 | $ 123,945 | $ 62,000 |
| Lake, Florida | 36 | $ 5,764,000 | $ 160,111 | $ 70,000 |
| Sarasota, Florida | 36 | $ 7,013,000 | $ 194,805 | $ 76,000 |
| Forsyth, Georgia | 33 | $ 9,796,000 | $ 296,848 | $ 151,000 |
| Leon, Florida | 30 | $ 4,085,000 | $ 136,166 | $ 85,000 |
| Cherokee, Georgia | 29 | $ 5,694,000 | $ 196,344 | $ 96,000 |
| Henry, Georgia | 27 | $ 4,516,000 | $ 167,259 | $ 85,000 |
| Mecklenburg, North Carolina | 27 | $ 4,791,000 | $ 177,444 | $ 81,000 |
| Collier, Florida | 26 | $ 5,346,000 | $ 205,615 | $ 129,000 |
| Coweta, Georgia | 21 | $ 3,890,000 | $ 185,238 | $ 85,000 |
| Fayette, Georgia | 21 | $ 4,889,000 | $ 232,809 | $ 112,000 |
| Indian River, Florida | 20 | $ 2,454,000 | $ 122,700 | $ 69,000 |
| Wake, North Carolina | 17 | $ 2,300,000 | $ 135,294 | $ 78,000 |
| Franklin, Florida | 16 | $ 3,957,000 | $ 247,312 | $ 235,000 |
| Hall, Georgia | 16 | $ 3,329,000 | $ 208,062 | $ 80,000 |
| Tift, Georgia | 16 | $ 2,171,000 | $ 135,687 | $ 62,000 |
| Fairfax, Virginia | 16 | $ 4,422,000 | $ 276,375 | $ 106,000 |
| Nassau, Florida | 15 | $ 2,824,000 | $ 188,266 | $ 125,000 |
| Bibb, Georgia | 15 | $ 2,025,000 | $ 135,000 | $ 78,000 |
| Coffee, Georgia | 15 | $ 2,080,000 | $ 138,666 | $ 214,000 |
| Cook, Illinois | 15 | $ 4,285,000 | $ 285,666 | $ 111,000 |
| New Castle, Delaware | 14 | $ 1,727,000 | $ 123,357 | $ 59,000 |
| Douglas, Georgia | 14 | $ 1,839,000 | $ 131,357 | $ 80,000 |
| Walton, Georgia | 14 | $ 3,255,000 | $ 232,500 | $ 96,000 |
| Guilford, North Carolina | 14 | $ 1,943,000 | $ 138,785 | $ 142,000 |
| Bay, Florida | 13 | $ 2,470,000 | $ 190,000 | $ 79,000 |
| Okaloosa, Florida | 13 | $ 3,114,000 | $ 239,538 | $ 135,000 |
| Clayton, Georgia | 13 | $ 2,769,000 | $ 213,000 | $ 107,000 |
| Newton, Georgia | 13 | $ 1,496,000 | $ 115,076 | $ 50,000 |
| Citrus, Florida | 12 | $ 2,190,000 | $ 182,500 | $ 93,000 |
| Anne Arundel, Maryland | 12 | $ 2,019,000 | $ 168,250 | $ 61,000 |
| Macon, North Carolina | 12 | $ 3,097,000 | $ 258,083 | $ 167,000 |
| Beaufort, South Carolina | 12 | $ 2,885,000 | $ 240,416 | $ 239,000 |
| York, South Carolina | 12 | $ 1,950,000 | $ 162,500 | $ 59,000 |
| Baker, Florida | 11 | $ 1,369,000 | $ 124,454 | $ 56,000 |
| Horry, South Carolina | 11 | $ 4,794,000 | $ 435,818 | $ 302,000 |
| New Haven, Connecticut | 10 | $ 1,320,000 | $ 132,000 | $ 63,000 |
| Alachua, Florida | 10 | $ 1,493,000 | $ 149,300 | $ 88,000 |
| Hernando, Florida | 10 | $ 1,293,000 | $ 129,300 | $ 70,000 |
| Walton, Florida | 10 | $ 2,230,000 | $ 223,000 | $ 277,000 |
| Barnstable, Massachusetts | 10 | $ 1,889,000 | $ 188,900 | $ 88,000 |
| Iredell, North Carolina | 10 | $ 2,063,000 | $ 206,300 | $ 108,000 |
| Jackson, North Carolina | 10 | $ 2,882,000 | $ 288,200 | $ 186,000 |
| Allegheny, Pennsylvania | 10 | $ 1,416,000 | $ 141,600 | $ 93,000 |
| Los Angeles, California | 9 | $ 1,883,000 | $ 209,222 | $ 78,000 |
| Middlesex, Connecticut | 9 | $ 1,474,000 | $ 163,777 | $ 83,000 |
| Charlotte, Florida | 9 | $ 1,622,000 | $ 180,222 | $ 74,000 |
| Forsyth, North Carolina | 9 | $ 1,240,000 | $ 137,777 | $ 95,000 |
| Newport, Rhode Island | 9 | $ 1,456,000 | $ 161,777 | $ 72,000 |
| Charleston, South Carolina | 9 | $ 1,760,000 | $ 195,555 | $ 79,000 |
| Richland, South Carolina | 9 | $ 1,701,000 | $ 189,000 | $ 107,000 |
| Sevier, Tennessee | 9 | $ 1,188,000 | $ 132,000 | $ 113,000 |
| Maricopa, Arizona | 8 | $ 1,282,000 | $ 160,250 | $ 90,000 |
| Dawson, Georgia | 8 | $ 1,865,000 | $ 233,125 | $ 87,000 |
| Jackson, Georgia | 8 | $ 835,000 | $ 104,375 | $ 52,000 |
| Oakland, Michigan | 8 | $ 1,717,000 | $ 214,625 | $ 207,000 |
| Haywood, North Carolina | 8 | $ 1,585,000 | $ 198,125 | $ 98,000 |
| New Hanover, North Carolina | 8 | $ 1,147,000 | $ 143,375 | $ 68,000 |
| Beaver, Pennsylvania | 8 | $ 901,000 | $ 112,625 | $ 73,000 |
| Lexington, South Carolina | 8 | $ 1,282,000 | $ 160,250 | $ 61,000 |
| Spartanburg, South Carolina | 8 | $ 1,315,000 | $ 164,375 | $ 59,000 |
| Prince William, Virginia | 8 | $ 2,085,000 | $ 260,625 | $ 95,000 |
| Rockdale, Georgia | 7 | $ 822,000 | $ 117,428 | $ 59,000 |
| Baltimore, Maryland | 7 | $ 843,000 | $ 120,428 | $ 75,000 |
| Hampshire, Massachusetts | 7 | $ 1,133,000 | $ 161,857 | $ 91,000 |
| Middlesex, Massachusetts | 7 | $ 1,365,000 | $ 195,000 | $ 110,000 |
| Buncombe, North Carolina | 7 | $ 1,162,000 | $ 166,000 | $ 88,000 |
| Franklin, Ohio | 7 | $ 881,000 | $ 125,857 | $ 58,000 |
| Bristol, Rhode Island | 7 | $ 1,253,000 | $ 179,000 | $ 109,000 |
| Fairfield, Connecticut | 6 | $ 2,041,000 | $ 340,166 | $ 169,000 |
| Tolland, Connecticut | 6 | $ 726,000 | $ 121,000 | $ 88,000 |
| Escambia, Florida | 6 | $ 868,000 | $ 144,666 | $ 134,000 |
| Monroe, Florida | 6 | $ 1,488,000 | $ 248,000 | $ 142,000 |
| Santa Rosa, Florida | 6 | $ 855,000 | $ 142,500 | $ 98,000 |
| Sumter, Florida | 6 | $ 763,000 | $ 127,166 | $ 90,000 |
| Columbia, Georgia | 6 | $ 755,000 | $ 125,833 | $ 66,000 |
| Lumpkin, Georgia | 6 | $ 819,000 | $ 136,500 | $ 60,000 |
| Muscogee, Georgia | 6 | $ 766,000 | $ 127,666 | $ 52,000 |
| Paulding, Georgia | 6 | $ 798,000 | $ 133,000 | $ 90,000 |
| Pierce, Georgia | 6 | $ 610,000 | $ 101,666 | $ 69,000 |
| White, Georgia | 6 | $ 970,000 | $ 161,666 | $ 82,000 |
| Montgomery, Maryland | 6 | $ 1,108,000 | $ 184,666 | $ 78,000 |
| Middlesex, New Jersey | 6 | $ 1,265,000 | $ 210,833 | $ 95,000 |
| Cabarrus, North Carolina | 6 | $ 666,000 | $ 111,000 | $ 59,000 |
| Washington, Rhode Island | 6 | $ 783,000 | $ 130,500 | $ 85,000 |
| Knox, Tennessee | 6 | $ 775,000 | $ 129,166 | $ 80,000 |
| Virginia Beach, Virginia | 6 | $ 1,179,000 | $ 196,500 | $ 102,000 |
| Riverside, California | 5 | $ 1,039,000 | $ 207,800 | $ 92,000 |
| Litchfield, Connecticut | 5 | $ 670,000 | $ 134,000 | $ 76,000 |
| Columbia, Florida | 5 | $ 651,000 | $ 130,200 | $ 59,000 |
| Barrow, Georgia | 5 | $ 543,000 | $ 108,600 | $ 44,000 |
| Carroll, Georgia | 5 | $ 646,000 | $ 129,200 | $ 98,000 |
| Ware, Georgia | 5 | $ 648,000 | $ 129,600 | $ 89,000 |
| Prince George's, Maryland | 5 | $ 827,000 | $ 165,400 | $ 73,000 |
| Bristol, Massachusetts | 5 | $ 592,000 | $ 118,400 | $ 52,000 |
| Kent, Michigan | 5 | $ 869,000 | $ 173,800 | $ 81,000 |
| Macomb, Michigan | 5 | $ 983,000 | $ 196,600 | $ 73,000 |
| Hennepin, Minnesota | 5 | $ 1,679,000 | $ 335,800 | $ 240,000 |
| Clark, Nevada | 5 | $ 939,000 | $ 187,800 | $ 118,000 |
| Cape May, New Jersey | 5 | $ 910,000 | $ 182,000 | $ 238,000 |
| Morris, New Jersey | 5 | $ 1,316,000 | $ 263,200 | $ 101,000 |
| Union, North Carolina | 5 | $ 1,892,000 | $ 378,400 | $ 268,000 |
| Kent, Rhode Island | 5 | $ 664,000 | $ 132,800 | $ 64,000 |
| Aiken, South Carolina | 5 | $ 675,000 | $ 135,000 | $ 66,000 |
| Anderson, South Carolina | 5 | $ 552,000 | $ 110,400 | $ 53,000 |
| Pickens, South Carolina | 5 | $ 520,000 | $ 104,000 | $ 45,000 |
| Alameda, California | 4 | $ 1,116,000 | $ 279,000 | $ 95,000 |
| San Diego, California | 4 | $ 862,000 | $ 215,500 | $ 107,000 |
| Gulf, Florida | 4 | $ 834,000 | $ 208,500 | $ 105,000 |
| Catoosa, Georgia | 4 | $ 516,000 | $ 129,000 | $ 83,000 |
| Houston, Georgia | 4 | $ 382,000 | $ 95,500 | $ 68,000 |
| Richmond, Georgia | 4 | $ 524,000 | $ 131,000 | $ 57,000 |
| Union, Georgia | 4 | $ 339,000 | $ 84,750 | $ 36,000 |
| DuPage, Illinois | 4 | $ 641,000 | $ 160,250 | $ 62,000 |
| Elkhart, Indiana | 4 | $ 577,000 | $ 144,250 | $ 104,000 |
| Polk, Iowa | 4 | $ 437,000 | $ 109,250 | $ 91,000 |
| Johnson, Kansas | 4 | $ 752,000 | $ 188,000 | $ 144,000 |
| Plymouth, Massachusetts | 4 | $ 694,000 | $ 173,500 | $ 62,000 |
| Worcester, Massachusetts | 4 | $ 748,000 | $ 187,000 | $ 76,000 |
| Washtenaw, Michigan | 4 | $ 446,000 | $ 111,500 | $ 69,000 |
| Wayne, Michigan | 4 | $ 384,000 | $ 96,000 | $ 73,000 |
| Platte, Missouri | 4 | $ 598,000 | $ 149,500 | $ 57,000 |
| Cherokee, North Carolina | 4 | $ 491,000 | $ 122,750 | $ 137,000 |
| Rowan, North Carolina | 4 | $ 539,000 | $ 134,750 | $ 58,000 |
| Watauga, North Carolina | 4 | $ 362,000 | $ 90,500 | $ 79,000 |
| Hamilton, Ohio | 4 | $ 381,000 | $ 95,250 | $ 81,000 |
| Alexandria, Virginia | 4 | $ 415,000 | $ 103,750 | $ 59,000 |
| Winnebago, Wisconsin | 4 | $ 680,000 | $ 170,000 | $ 61,000 |
| San Joaquin, California | 3 | $ 462,000 | $ 154,000 | $ 52,000 |
| Hendry, Florida | 3 | $ 299,000 | $ 99,666 | $ 90,000 |
| Levy, Florida | 3 | $ 378,000 | $ 126,000 | $ 126,000 |
| Putnam, Florida | 3 | $ 270,000 | $ 90,000 | $ 49,000 |
| Wakulla, Florida | 3 | $ 475,000 | $ 158,333 | $ 71,000 |
| Bartow, Georgia | 3 | $ 653,000 | $ 217,666 | $ 89,000 |
| Clarke, Georgia | 3 | $ 203,000 | $ 67,666 | $ 44,000 |
| Towns, Georgia | 3 | $ 626,000 | $ 208,666 | $ 126,000 |
| Cumberland, Maine | 3 | $ 491,000 | $ 163,666 | $ 101,000 |
| Suffolk, Massachusetts | 3 | $ 654,000 | $ 218,000 | $ 36,000 |
| Bergen, New Jersey | 3 | $ 1,120,000 | $ 373,333 | $ 152,000 |
| Gloucester, New Jersey | 3 | $ 375,000 | $ 125,000 | $ 188,000 |
| Ocean, New Jersey | 3 | $ 567,000 | $ 189,000 | $ 131,000 |
| Somerset, New Jersey | 3 | $ 428,000 | $ 142,666 | $ 126,000 |
| Durham, North Carolina | 3 | $ 336,000 | $ 112,000 | $ 80,000 |
| Rutherford, North Carolina | 3 | $ 265,000 | $ 88,333 | $ 112,000 |
| Cuyahoga, Ohio | 3 | $ 368,000 | $ 122,666 | $ 83,000 |
| Multnomah, Oregon | 3 | $ 554,000 | $ 184,666 | $ 62,000 |
| Delaware, Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 75,000 |
| Berkeley, South Carolina | 3 | $ 430,000 | $ 143,333 | $ 132,000 |
| Davidson, Tennessee | 3 | $ 308,000 | $ 102,666 | $ 43,000 |
| Hamilton, Tennessee | 3 | $ 352,000 | $ 117,333 | $ 78,000 |
| Harris, Texas | 3 | $ 556,000 | $ 185,333 | $ 100,000 |
| Salt Lake, Utah | 3 | $ 471,000 | $ 157,000 | $ 151,000 |
| Hanover, Virginia | 3 | $ 466,000 | $ 155,333 | $ 53,000 |
| Henrico, Virginia | 3 | $ 374,000 | $ 124,666 | $ 76,000 |
| Norfolk, Virginia | 3 | $ 403,000 | $ 134,333 | $ 92,000 |
| Jefferson, West Virginia | 3 | $ 591,000 | $ 197,000 | $ 95,000 |
| Brown, Wisconsin | 3 | $ 286,000 | $ 95,333 | $ 51,000 |
| Racine, Wisconsin | 3 | $ 476,000 | $ 158,666 | $ 94,000 |
| Yavapai, Arizona | 2 | $ 283,000 | $ 141,500 | $ 116,000 |
| Pulaski, Arkansas | 2 | $ 247,000 | $ 123,500 | $ 58,000 |
| Kern, California | 2 | $ 289,000 | $ 144,500 | $ 61,000 |
| Orange, California | 2 | $ 869,000 | $ 434,500 | $ 163,000 |
| Sacramento, California | 2 | $ 384,000 | $ 192,000 | $ 68,000 |
| San Bernardino, California | 2 | $ 230,000 | $ 115,000 | $ 63,000 |
| Adams, Colorado | 2 | $ 489,000 | $ 244,500 | $ 67,000 |
| El Paso, Colorado | 2 | $ 426,000 | $ 213,000 | $ 77,000 |
| Sussex, Delaware | 2 | $ 348,000 | $ 174,000 | $ 56,000 |
| Highlands, Florida | 2 | $ 235,000 | $ 117,500 | $ 32,000 |
| Ben Hill, Georgia | 2 | $ 270,000 | $ 135,000 | $ 37,000 |
| Chatham, Georgia | 2 | $ 125,000 | $ 62,500 | $ 54,000 |
| Glynn, Georgia | 2 | $ 359,000 | $ 179,500 | $ 68,000 |
| Haralson, Georgia | 2 | $ 369,000 | $ 184,500 | $ 91,000 |
| Lowndes, Georgia | 2 | $ 231,000 | $ 115,500 | $ 57,000 |
| Monroe, Georgia | 2 | $ 474,000 | $ 237,000 | $ 78,000 |
| Pickens, Georgia | 2 | $ 435,000 | $ 217,500 | $ 65,000 |
| Pike, Georgia | 2 | $ 338,000 | $ 169,000 | $ 46,000 |
| Polk, Georgia | 2 | $ 137,000 | $ 68,500 | $ 29,000 |
| Troup, Georgia | 2 | $ 194,000 | $ 97,000 | $ 46,000 |
| Walker, Georgia | 2 | $ 341,000 | $ 170,500 | $ 60,000 |
| Whitfield, Georgia | 2 | $ 313,000 | $ 156,500 | $ 66,000 |
| Kauai, Hawaii | 2 | $ 572,000 | $ 286,000 | $ 241,000 |
| Lake, Illinois | 2 | $ 334,000 | $ 167,000 | $ 80,000 |
| McLean, Illinois | 2 | $ 111,000 | $ 55,500 | $ 55,000 |
| Hamilton, Indiana | 2 | $ 600,000 | $ 300,000 | $ 151,000 |
| Kosciusko, Indiana | 2 | $ 892,000 | $ 446,000 | $ 174,000 |
| Baltimore City, Maryland | 2 | $ 134,000 | $ 67,000 | $ 70,000 |
| Caroline, Maryland | 2 | $ 455,000 | $ 227,500 | $ 150,000 |
| Cecil, Maryland | 2 | $ 612,000 | $ 306,000 | $ 162,000 |
| Howard, Maryland | 2 | $ 318,000 | $ 159,000 | $ 59,000 |
| Worcester, Maryland | 2 | $ 261,000 | $ 130,500 | $ 83,000 |
| Essex, Massachusetts | 2 | $ 414,000 | $ 207,000 | $ 64,000 |
| Nantucket, Massachusetts | 2 | $ 827,000 | $ 413,500 | $ 31,000 |
| Norfolk, Massachusetts | 2 | $ 443,000 | $ 221,500 | $ 55,000 |
| Jackson, Mississippi | 2 | $ 249,000 | $ 124,500 | $ 83,000 |
| Rankin, Mississippi | 2 | $ 368,000 | $ 184,000 | $ 245,000 |
| Christian, Missouri | 2 | $ 290,000 | $ 145,000 | $ 128,000 |
| St. Louis, Missouri | 2 | $ 180,000 | $ 90,000 | $ 83,000 |
| Washoe, Nevada | 2 | $ 268,000 | $ 134,000 | $ 109,000 |
| Belknap, New Hampshire | 2 | $ 285,000 | $ 142,500 | $ 36,000 |
| Atlantic, New Jersey | 2 | $ 245,000 | $ 122,500 | $ 64,000 |
| Essex, New Jersey | 2 | $ 505,000 | $ 252,500 | $ 112,000 |
| Hudson, New Jersey | 2 | $ 593,000 | $ 296,500 | $ 154,000 |
| Hunterdon, New Jersey | 2 | $ 473,000 | $ 236,500 | $ 84,000 |
| Union, New Jersey | 2 | $ 345,000 | $ 172,500 | $ 87,000 |
| Alamance, North Carolina | 2 | $ 340,000 | $ 170,000 | $ 64,000 |
| Catawba, North Carolina | 2 | $ 447,000 | $ 223,500 | $ 117,000 |
| Craven, North Carolina | 2 | $ 128,000 | $ 64,000 | $ 125,000 |
| Davidson, North Carolina | 2 | $ 253,000 | $ 126,500 | $ 45,000 |
| Henderson, North Carolina | 2 | $ 517,000 | $ 258,500 | $ 246,000 |
| Moore, North Carolina | 2 | $ 246,000 | $ 123,000 | $ 59,000 |
| Orange, North Carolina | 2 | $ 605,000 | $ 302,500 | $ 152,000 |
| Rockingham, North Carolina | 2 | $ 206,000 | $ 103,000 | $ 70,000 |
| Greene, Ohio | 2 | $ 409,000 | $ 204,500 | $ 100,000 |
| Lorain, Ohio | 2 | $ 159,000 | $ 79,500 | $ 30,000 |
| Medina, Ohio | 2 | $ 283,000 | $ 141,500 | $ 49,000 |
| Wayne, Ohio | 2 | $ 261,000 | $ 130,500 | $ 62,000 |
| Deschutes, Oregon | 2 | $ 136,000 | $ 68,000 | $ 35,000 |
| Lehigh, Pennsylvania | 2 | $ 299,000 | $ 149,500 | $ 92,000 |
| Montgomery, Pennsylvania | 2 | $ 618,000 | $ 309,000 | $ 199,000 |
| Westmoreland, Pennsylvania | 2 | $ 237,000 | $ 118,500 | $ 64,000 |
| York, Pennsylvania | 2 | $ 495,000 | $ 247,500 | $ 103,000 |
| Cherokee, South Carolina | 2 | $ 293,000 | $ 146,500 | $ 59,000 |
| Georgetown, South Carolina | 2 | $ 501,000 | $ 250,500 | $ 36,000 |
| Greenwood, South Carolina | 2 | $ 375,000 | $ 187,500 | $ 52,000 |
| Lancaster, South Carolina | 2 | $ 148,000 | $ 74,000 | $ 37,000 |
| Newberry, South Carolina | 2 | $ 196,000 | $ 98,000 | $ 31,000 |
| Bradley, Tennessee | 2 | $ 338,000 | $ 169,000 | $ 88,000 |
| Montgomery, Tennessee | 2 | $ 398,000 | $ 199,000 | $ 81,000 |
| Shelby, Tennessee | 2 | $ 326,000 | $ 163,000 | $ 72,000 |
| Williamson, Tennessee | 2 | $ 397,000 | $ 198,500 | $ 240,000 |
| Bennington, Vermont | 2 | $ 179,000 | $ 89,500 | $ 100,000 |
| Arlington, Virginia | 2 | $ 254,000 | $ 127,000 | $ 100,000 |
| Loudoun, Virginia | 2 | $ 268,000 | $ 134,000 | $ 118,000 |
| Newport News, Virginia | 2 | $ 217,000 | $ 108,500 | $ 60,000 |
| King, Washington | 2 | $ 295,000 | $ 147,500 | $ 107,000 |
| Kanawha, West Virginia | 2 | $ 562,000 | $ 281,000 | $ 155,000 |
| Waukesha, Wisconsin | 2 | $ 334,000 | $ 167,000 | $ 57,000 |
| Coconino, Arizona | 1 | $ 113,000 | $ 113,000 | $ 94,000 |
| Mohave, Arizona | 1 | $ 190,000 | $ 190,000 | $ 115,000 |
| Garland, Arkansas | 1 | $ 94,000 | $ 94,000 | $ 42,000 |
| Saline, Arkansas | 1 | $ 84,000 | $ 84,000 | $ 33,000 |
| Sebastian, Arkansas | 1 | $ 152,000 | $ 152,000 | $ 103,000 |
| Washington, Arkansas | 1 | $ 172,000 | $ 172,000 | $ 82,000 |
| Amador, California | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| El Dorado, California | 1 | $ 323,000 | $ 323,000 | $ 50,000 |
| Humboldt, California | 1 | $ 133,000 | $ 133,000 | $ 47,000 |
| Mendocino, California | 1 | $ 184,000 | $ 184,000 | $ 113,000 |
| Placer, California | 1 | $ 213,000 | $ 213,000 | $ 198,000 |
| San Mateo, California | 1 | $ 280,000 | $ 280,000 | $ 56,000 |
| Santa Clara, California | 1 | $ 140,000 | $ 140,000 | $ 113,000 |
| Sutter, California | 1 | $ 82,000 | $ 82,000 | $ 43,000 |
| Ventura, California | 1 | $ 323,000 | $ 323,000 | $ 69,000 |
| Boulder, Colorado | 1 | $ 240,000 | $ 240,000 | $ 162,000 |
| Denver, Colorado | 1 | $ 525,000 | $ 525,000 | $ 173,000 |
| Grand, Colorado | 1 | $ 488,000 | $ 488,000 | $ 173,000 |
| Jefferson, Colorado | 1 | $ 639,000 | $ 639,000 | $ 127,000 |
| New London, Connecticut | 1 | $ 118,000 | $ 118,000 | $ 35,000 |
| Windham, Connecticut | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Bradford, Florida | 1 | $ 59,000 | $ 59,000 | $ 38,000 |
| Gilchrist, Florida | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Miami-Dade, Florida | 1 | $ 323,000 | $ 323,000 | $ 154,000 |
| Okeechobee, Florida | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Bryan, Georgia | 1 | $ 149,000 | $ 149,000 | $ 57,000 |
| Butts, Georgia | 1 | $ 81,000 | $ 81,000 | $ 102,000 |
| Chattooga, Georgia | 1 | $ 162,000 | $ 162,000 | $ 61,000 |
| Crisp, Georgia | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Effingham, Georgia | 1 | $ 91,000 | $ 91,000 | $ 57,000 |
| Fannin, Georgia | 1 | $ 350,000 | $ 350,000 | $ 53,000 |
| Gilmer, Georgia | 1 | $ 148,000 | $ 148,000 | $ 132,000 |
| Harris, Georgia | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Heard, Georgia | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Jasper, Georgia | 1 | $ 86,000 | $ 86,000 | $ 38,000 |
| Lanier, Georgia | 1 | $ 178,000 | $ 178,000 | $ 124,000 |
| Lee, Georgia | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Lincoln, Georgia | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Meriwether, Georgia | 1 | $ 248,000 | $ 248,000 | $ 69,000 |
| Mitchell, Georgia | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Murray, Georgia | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Putnam, Georgia | 1 | $ 413,000 | $ 413,000 | $ 148,000 |
| Rabun, Georgia | 1 | $ 153,000 | $ 153,000 | $ 153,000 |
| Spalding, Georgia | 1 | $ 144,000 | $ 144,000 | $ 68,000 |
| Stewart, Georgia | 1 | $ 76,000 | $ 76,000 | $ 84,000 |
| Terrell, Georgia | 1 | $ 116,000 | $ 116,000 | $ 35,000 |
| Thomas, Georgia | 1 | $ 137,000 | $ 137,000 | $ 93,000 |
| Wilcox, Georgia | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Worth, Georgia | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| DeKalb, Illinois | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Madison, Illinois | 1 | $ 384,000 | $ 384,000 | $ 183,000 |
| McHenry, Illinois | 1 | $ 121,000 | $ 121,000 | $ 81,000 |
| St. Clair, Illinois | 1 | $ 132,000 | $ 132,000 | $ 55,000 |
| Allen, Indiana | 1 | $ 182,000 | $ 182,000 | $ 56,000 |
| Dearborn, Indiana | 1 | $ 138,000 | $ 138,000 | $ 90,000 |
| Hendricks, Indiana | 1 | $ 138,000 | $ 138,000 | $ 65,000 |
| Lake, Indiana | 1 | $ 96,000 | $ 96,000 | $ 73,000 |
| Madison, Indiana | 1 | $ 223,000 | $ 223,000 | $ 83,000 |
| Marion, Indiana | 1 | $ 68,000 | $ 68,000 | $ 173,000 |
| Rush, Indiana | 1 | $ 88,000 | $ 88,000 | $ 153,000 |
| Spencer, Indiana | 1 | $ 54,000 | $ 54,000 | $ 104,000 |
| Whitley, Indiana | 1 | $ 75,000 | $ 75,000 | $ 157,000 |
| Scott, Iowa | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Riley, Kansas | 1 | $ 112,000 | $ 112,000 | $ 51,000 |
| Caldwell, Kentucky | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Grayson, Kentucky | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Mason, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Jefferson, Louisiana | 1 | $ 78,000 | $ 78,000 | $ 86,000 |
| Orleans, Louisiana | 1 | $ 311,000 | $ 311,000 | $ 135,000 |
| St. Landry, Louisiana | 1 | $ 250,000 | $ 250,000 | $ 52,000 |
| Tangipahoa, Louisiana | 1 | $ 152,000 | $ 152,000 | $ 67,000 |
| Hancock, Maine | 1 | $ 240,000 | $ 240,000 | $ 330,000 |
| Washington, Maine | 1 | $ 120,000 | $ 120,000 | $ 16,000 |
| York, Maine | 1 | $ 200,000 | $ 200,000 | $ 118,000 |
| Calvert, Maryland | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Kent, Maryland | 1 | $ 60,000 | $ 60,000 | $ 181,000 |
| Franklin, Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 131,000 |
| Genesee, Michigan | 1 | $ 126,000 | $ 126,000 | $ 59,000 |
| Grand Traverse, Michigan | 1 | $ 191,000 | $ 191,000 | $ 78,000 |
| Hillsdale, Michigan | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| Leelanau, Michigan | 1 | $ 322,000 | $ 322,000 | $ 186,000 |
| Lenawee, Michigan | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| Mackinac, Michigan | 1 | $ 96,000 | $ 96,000 | $ 70,000 |
| Saginaw, Michigan | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Sanilac, Michigan | 1 | $ 59,000 | $ 59,000 | $ 188,000 |
| Anoka, Minnesota | 1 | $ 187,000 | $ 187,000 | $ 92,000 |
| Goodhue, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Ramsey, Minnesota | 1 | $ 176,000 | $ 176,000 | $ 40,000 |
| Chickasaw, Mississippi | 1 | $ 52,000 | $ 52,000 | $ 31,000 |
| DeSoto, Mississippi | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Harrison, Mississippi | 1 | $ 222,000 | $ 222,000 | $ 48,000 |
| Oktibbeha, Mississippi | 1 | $ 111,000 | $ 111,000 | $ 138,000 |
| Boone, Missouri | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Cape Girardeau, Missouri | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Greene, Missouri | 1 | $ 142,000 | $ 142,000 | $ 40,000 |
| Lewis, Missouri | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| St. Charles, Missouri | 1 | $ 111,000 | $ 111,000 | $ 66,000 |
| St. Louis City, Missouri | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Stone, Missouri | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Scotts Bluff, Nebraska | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Rockingham, New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Burlington, New Jersey | 1 | $ 244,000 | $ 244,000 | $ 146,000 |
| Camden, New Jersey | 1 | $ 207,000 | $ 207,000 | $ 91,000 |
| Mercer, New Jersey | 1 | $ 146,000 | $ 146,000 | $ 153,000 |
| Monmouth, New Jersey | 1 | $ 260,000 | $ 260,000 | $ 250,000 |
| Passaic, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Warren, New Jersey | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Dona Ana, New Mexico | 1 | $ 76,000 | $ 76,000 | $ 24,000 |
| Alexander, North Carolina | 1 | $ 232,000 | $ 232,000 | $ 125,000 |
| Avery, North Carolina | 1 | $ 54,000 | $ 54,000 | $ 150,000 |
| Beaufort, North Carolina | 1 | $ 284,000 | $ 284,000 | $ 51,000 |
| Brunswick, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 89,000 |
| Burke, North Carolina | 1 | $ 78,000 | $ 78,000 | $ 45,000 |
| Caswell, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 50,000 |
| Chatham, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 152,000 |
| Dare, North Carolina | 1 | $ 383,000 | $ 383,000 | $ 207,000 |
| Gaston, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Graham, North Carolina | 1 | $ 250,000 | $ 250,000 | $ 190,000 |
| Granville, North Carolina | 1 | $ 107,000 | $ 107,000 | $ 42,000 |
| Johnston, North Carolina | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Lee, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Mitchell, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Onslow, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Pender, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 94,000 |
| Polk, North Carolina | 1 | $ 82,000 | $ 82,000 | $ 29,000 |
| Randolph, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Scotland, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Stanly, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Transylvania, North Carolina | 1 | $ 787,000 | $ 787,000 | $ 300,000 |
| Vance, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Yancey, North Carolina | 1 | $ 71,000 | $ 71,000 | $ 68,000 |
| Allen, Ohio | 1 | $ 93,000 | $ 93,000 | $ 62,000 |
| Butler, Ohio | 1 | $ 180,000 | $ 180,000 | $ 96,000 |
| Clinton, Ohio | 1 | $ 118,000 | $ 118,000 | $ 31,000 |
| Lake, Ohio | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Trumbull, Ohio | 1 | $ 54,000 | $ 54,000 | $ 43,000 |
| Warren, Ohio | 1 | $ 79,000 | $ 79,000 | $ 75,000 |
| Creek, Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 92,000 |
| Oklahoma, Oklahoma | 1 | $ 532,000 | $ 532,000 | $ 163,000 |
| Pushmataha, Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Marion, Oregon | 1 | $ 143,000 | $ 143,000 | $ 78,000 |
| Adams, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 41,000 |
| Berks, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 400,000 |
| Blair, Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 93,000 |
| Bucks, Pennsylvania | 1 | $ 218,000 | $ 218,000 | $ 144,000 |
| Indiana, Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 85,000 |
| Monroe, Pennsylvania | 1 | $ 246,000 | $ 246,000 | $ 193,000 |
| Chester, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Dorchester, South Carolina | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Florence, South Carolina | 1 | $ 134,000 | $ 134,000 | $ 46,000 |
| Laurens, South Carolina | 1 | $ 137,000 | $ 137,000 | $ 71,000 |
| Lee, South Carolina | 1 | $ 66,000 | $ 66,000 | $ 65,000 |
| Oconee, South Carolina | 1 | $ 164,000 | $ 164,000 | $ 124,000 |
| Sumter, South Carolina | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Blount, Tennessee | 1 | $ 123,000 | $ 123,000 | $ 137,000 |
| Claiborne, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Cumberland, Tennessee | 1 | $ 138,000 | $ 138,000 | $ 104,000 |
| DeKalb, Tennessee | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Hickman, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 64,000 |
| Johnson, Tennessee | 1 | $ 51,000 | $ 51,000 | $ 63,000 |
| Polk, Tennessee | 1 | $ 112,000 | $ 112,000 | $ 311,000 |
| Rutherford, Tennessee | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Washington, Tennessee | 1 | $ 149,000 | $ 149,000 | $ 47,000 |
| Denton, Texas | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Montgomery, Texas | 1 | $ 120,000 | $ 120,000 | $ 657,000 |
| Chittenden, Vermont | 1 | $ 114,000 | $ 114,000 | $ 180,000 |
| Windsor, Vermont | 1 | $ 178,000 | $ 178,000 | $ 31,000 |
| Albemarle, Virginia | 1 | $ 251,000 | $ 251,000 | $ 130,000 |
| Chesapeake, Virginia | 1 | $ 246,000 | $ 246,000 | $ 90,000 |
| Fluvanna, Virginia | 1 | $ 197,000 | $ 197,000 | $ 72,000 |
| Franklin, Virginia | 1 | $ 248,000 | $ 248,000 | $ 444,000 |
| Frederick, Virginia | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
| Galax, Virginia | 1 | $ 99,000 | $ 99,000 | $ 54,000 |
| Grayson, Virginia | 1 | $ 92,000 | $ 92,000 | $ 123,000 |
| Harrisonburg, Virginia | 1 | $ 128,000 | $ 128,000 | $ 223,000 |
| Louisa, Virginia | 1 | $ 92,000 | $ 92,000 | $ 56,000 |
| Montgomery, Virginia | 1 | $ 128,000 | $ 128,000 | $ 49,000 |
| Powhatan, Virginia | 1 | $ 131,000 | $ 131,000 | $ 73,000 |
| Prince Edward, Virginia | 1 | $ 164,000 | $ 164,000 | $ 46,000 |
| Pulaski, Virginia | 1 | $ 59,000 | $ 59,000 | $ 44,000 |
| Roanoke, Virginia | 1 | $ 54,000 | $ 54,000 | $ 60,000 |
| Stafford, Virginia | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Warren, Virginia | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Washington, Virginia | 1 | $ 77,000 | $ 77,000 | $ 94,000 |
| Pierce, Washington | 1 | $ 82,000 | $ 82,000 | $ 56,000 |
| Skagit, Washington | 1 | $ 290,000 | $ 290,000 | $ 112,000 |
| Walla Walla, Washington | 1 | $ 122,000 | $ 122,000 | $ 79,000 |
| Berkeley, West Virginia | 1 | $ 162,000 | $ 162,000 | $ 149,000 |
| Hancock, West Virginia | 1 | $ 143,000 | $ 143,000 | $ 85,000 |
| Hardy, West Virginia | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Harrison, West Virginia | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Marshall, West Virginia | 1 | $ 60,000 | $ 60,000 | $ 99,000 |
| Mercer, West Virginia | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Monroe, West Virginia | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Wood, West Virginia | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Forest, Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Kenosha, Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Manitowoc, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Milwaukee, Wisconsin | 1 | $ 109,000 | $ 109,000 | $ 43,000 |
| Shawano, Wisconsin | 1 | $ 251,000 | $ 251,000 | $ 143,000 |
| Washington, Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 72,000 |
| Converse, Wyoming | 1 | $ 102,000 | $ 102,000 | $ 132,000 |
| Laramie, 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.
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with aggregated HMDA statistics today.
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