Mutualbank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Mutualbank 2019 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 | Mutualbank 110 E Charles St Muncie, IN 47305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 2,629 |
| Total Mortgage Loan Application Amount | $322,685,000 |
| Average Mortgage Loan Application Amount | $124,200 |
| Highest Mortgage Loan Application Amount | $17,005,000 |
| Average Applicant Income | $92,200 |
| Highest Applicant Income | $904,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Mutualbank. 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 Mutualbank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Mutualbank'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 Mutualbank serves its applicants.
Each category highlights the total number of mortgage applications processed by Mutualbank, 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 Mutualbank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Delaware County Indiana | 492 | $ 45,750,000 | $ 92,000 | $ 90,000 |
| St. Joseph County Indiana | 486 | $ 55,450,000 | $ 114,000 | $ 84,000 |
| Kosciusko County Indiana | 345 | $ 40,525,000 | $ 117,000 | $ 93,000 |
| Grant County Indiana | 195 | $ 14,135,000 | $ 72,000 | $ 56,000 |
| Elkhart County Indiana | 153 | $ 18,825,000 | $ 123,000 | $ 92,000 |
| Greene County Indiana | 137 | $ 10,945,000 | $ 79,000 | $ 78,000 |
| Allen County Indiana | 102 | $ 15,340,000 | $ 150,000 | $ 141,000 |
| Randolph County Indiana | 100 | $ 5,520,000 | $ 55,000 | $ 75,000 |
| Monroe County Indiana | 83 | $ 11,115,000 | $ 133,000 | $ 93,000 |
| Marion County Indiana | 49 | $ 6,705,000 | $ 136,000 | $ 106,000 |
| Hamilton County Indiana | 48 | $ 15,880,000 | $ 330,000 | $ 186,000 |
| Jackson County Indiana | 38 | $ 3,810,000 | $ 100,000 | $ 92,000 |
| Lawrence County Indiana | 38 | $ 2,820,000 | $ 74,000 | $ 61,000 |
| Cass County Michigan | 34 | $ 6,500,000 | $ 191,000 | $ 147,000 |
| Johnson County Indiana | 23 | $ 3,715,000 | $ 161,000 | $ 88,000 |
| Berrien County Michigan | 22 | $ 5,200,000 | $ 236,000 | $ 172,000 |
| Madison County Indiana | 21 | $ 2,075,000 | $ 98,000 | $ 112,000 |
| Wabash County Indiana | 21 | $ 2,375,000 | $ 113,000 | $ 87,000 |
| Jay County Indiana | 14 | $ 560,000 | $ 40,000 | $ 62,000 |
| Whitley County Indiana | 14 | $ 1,290,000 | $ 92,000 | $ 74,000 |
| Morgan County Indiana | 12 | $ 3,480,000 | $ 290,000 | $ 128,000 |
| LaPorte County Indiana | 11 | $ 1,695,000 | $ 154,000 | $ 103,000 |
| Owen County Indiana | 11 | $ 1,395,000 | $ 126,000 | $ 70,000 |
| Marshall County Indiana | 10 | $ 1,050,000 | $ 105,000 | $ 71,000 |
| Blackford County Indiana | 9 | $ 525,000 | $ 58,000 | $ 56,000 |
| Hendricks County Indiana | 9 | $ 1,485,000 | $ 165,000 | $ 78,000 |
| Henry County Indiana | 9 | $ 1,185,000 | $ 131,000 | $ 93,000 |
| Hancock County Indiana | 8 | $ 1,900,000 | $ 237,000 | $ 182,000 |
| Huntington County Indiana | 8 | $ 470,000 | $ 58,000 | $ 104,000 |
| Steuben County Indiana | 8 | $ 1,950,000 | $ 243,000 | $ 189,000 |
| Boone County Indiana | 7 | $ 1,855,000 | $ 265,000 | $ 117,000 |
| LaGrange County Indiana | 7 | $ 1,505,000 | $ 215,000 | $ 101,000 |
| Daviess County Indiana | 6 | $ 580,000 | $ 96,000 | $ 118,000 |
| Noble County Indiana | 6 | $ 950,000 | $ 158,000 | $ 102,000 |
| Brown County Indiana | 5 | $ 925,000 | $ 185,000 | $ 67,000 |
| Sullivan County Indiana | 5 | $ 315,000 | $ 63,000 | $ 71,000 |
| Clay County Indiana | 4 | $ 250,000 | $ 62,000 | $ 110,000 |
| Fulton County Indiana | 4 | $ 600,000 | $ 150,000 | $ 116,000 |
| Knox County Indiana | 4 | $ 290,000 | $ 72,000 | $ 55,000 |
| Pinellas County Florida | 3 | $ 485,000 | $ 161,000 | $ 214,000 |
| DeKalb County Indiana | 3 | $ 245,000 | $ 81,000 | $ 60,000 |
| Jennings County Indiana | 3 | $ 185,000 | $ 61,000 | $ 57,000 |
| Miami County Indiana | 3 | $ 165,000 | $ 55,000 | $ 74,000 |
| Shelby County Indiana | 3 | $ 385,000 | $ 128,000 | $ 121,000 |
| Wells County Indiana | 3 | $ 185,000 | $ 61,000 | $ 51,000 |
| Charlotte County Florida | 2 | $ 500,000 | $ 250,000 | $ 115,000 |
| Lee County Florida | 2 | $ 330,000 | $ 165,000 | $ 184,000 |
| Wabash County Illinois | 2 | $ 440,000 | $ 220,000 | $ 63,000 |
| Bartholomew County Indiana | 2 | $ 390,000 | $ 195,000 | $ 37,000 |
| Scott County Indiana | 2 | $ 640,000 | $ 320,000 | $ 36,000 |
| Starke County Indiana | 2 | $ 170,000 | $ 85,000 | $ 65,000 |
| Charlevoix County Michigan | 2 | $ 1,350,000 | $ 675,000 | $ 229,000 |
| Ottawa County Michigan | 2 | $ 310,000 | $ 155,000 | $ 150,000 |
| St. Joseph County Michigan | 2 | $ 220,000 | $ 110,000 | $ 246,000 |
| Van Buren County Michigan | 2 | $ 1,710,000 | $ 855,000 | $ 362,000 |
| Orange County California | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Flagler County Florida | 1 | $ 715,000 | $ 715,000 | $ 350,000 |
| Manatee County Florida | 1 | $ 525,000 | $ 525,000 | $ 182,000 |
| Okaloosa County Florida | 1 | $ 225,000 | $ 225,000 | $ 448,000 |
| Palm Beach County Florida | 1 | $ 75,000 | $ 75,000 | $ 116,000 |
| Volusia County Florida | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Cook County Illinois | 1 | $ 385,000 | $ 385,000 | $ 335,000 |
| Dubois County Indiana | 1 | $ 35,000 | $ 35,000 | $ 110,000 |
| Floyd County Indiana | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Martin County Indiana | 1 | $ 185,000 | $ 185,000 | $ 122,000 |
| Orange County Indiana | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Porter County Indiana | 1 | $ 155,000 | $ 155,000 | $ 335,000 |
| Pulaski County Indiana | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| Vigo County Indiana | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Warrick County Indiana | 1 | $ 17,005,000 | $ 17,005,000 | $ 0 |
| Wayne County Indiana | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Fayette County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 293,000 |
| Oldham County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Kalamazoo County Michigan | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| Leelanau County Michigan | 1 | $ 145,000 | $ 145,000 | $ 123,000 |
| Mason County Michigan | 1 | $ 415,000 | $ 415,000 | $ 180,000 |
| Cuyahoga County Ohio | 1 | $ 215,000 | $ 215,000 | $ 174,000 |
| Darke County Ohio | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Defiance County Ohio | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Logan County Ohio | 1 | $ 225,000 | $ 225,000 | $ 129,000 |
| Anderson County South Carolina | 1 | $ 375,000 | $ 375,000 | $ 259,000 |
| Davidson County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 177,000 |
| Jefferson County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Sevier County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Mutualbank in 2019
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 968 | $51,370,000 | $53,000 | $455,000 | $84,000 | $670,000 |
| Home Purchase | 666 | $120,580,000 | $181,000 | $3,455,000 | $101,000 | $790,000 |
| Refinancing | 540 | $95,360,000 | $176,000 | $17,005,000 | $101,000 | $904,000 |
| Cash-out Refinancing | 300 | $46,820,000 | $156,000 | $1,505,000 | $90,000 | $849,000 |
| Home Improvement | 155 | $8,555,000 | $55,000 | $455,000 | $85,000 | $360,000 |
| Not Applicable | 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 | 2,221 | $249,975,000 | $112,000 | $1,505,000 | $93,000 | $904,000 |
| Not Provided | 165 | $18,265,000 | $110,000 | $645,000 | $97,000 | $513,000 |
| Not applicable | 107 | $39,945,000 | $373,000 | $17,005,000 | $0 | $0 |
| Hispanic | 56 | $5,040,000 | $90,000 | $725,000 | $76,000 | $271,000 |
| Black or African American | 41 | $3,795,000 | $92,000 | $675,000 | $64,000 | $185,000 |
| Asian | 27 | $4,385,000 | $162,000 | $355,000 | $110,000 | $375,000 |
| American Indian or Alaskan Native | 3 | $505,000 | $168,000 | $355,000 | $89,000 | $152,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,629 | $322,685,000 | $122,000 | $17,005,000 | $92,000 | $904,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,919 | $247,885,000 | $129,000 | $17,005,000 | $98,000 | $904,000 |
| Application Denied By Financial Institution | 434 | $45,080,000 | $103,000 | $1,505,000 | $70,000 | $670,000 |
| Application Approved But Not Accepted | 248 | $24,740,000 | $99,000 | $605,000 | $89,000 | $485,000 |
| Application Withdrawn By Applicant | 26 | $4,510,000 | $173,000 | $635,000 | $131,000 | $480,000 |
| File Closed For Incompleteness | 2 | $470,000 | $235,000 | $325,000 | $114,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,195 | $277,605,000 | $126,000 | $17,005,000 | $97,000 | $904,000 |
| Credit History | 203 | $15,915,000 | $78,000 | $1,505,000 | $63,000 | $662,000 |
| Debt-To-Income Ratio | 77 | $7,965,000 | $103,000 | $635,000 | $61,000 | $337,000 |
| Credit Application Incomplete | 75 | $12,215,000 | $162,000 | $835,000 | $97,000 | $670,000 |
| Collateral | 58 | $6,190,000 | $106,000 | $645,000 | $75,000 | $296,000 |
| Other | 14 | $1,710,000 | $122,000 | $525,000 | $68,000 | $305,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $385,000 | $128,000 | $275,000 | $58,000 | $95,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $105,000 | $65,000 | $80,000 |
| Employment History | 2 | $570,000 | $285,000 | $345,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mutualbank's 2019 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 Mutualbank'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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.