National City Bank Mortgage Lending & HMDA Data, 2003

In 2003, National City Bank of Cleveland, OH reported 101,566 mortgage applications totaling $5.5 billion. The average application was for $54,372, and applicants reported an average income of $70,669. 54% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Pittsburgh, PA (14,589), Cleveland-Lorain-Elyria, OH (5,588) and Detroit, MI (4,438) (applications in parentheses).

Mortgage Company & Address National City Bank
1900 E Ninth St Loc 01-3144
Cleveland, OH 44114
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 101,566
Total Mortgage Loan Application Amount $5,522,423,000
Average Mortgage Loan Application Amount $54,372
Highest Mortgage Loan Application Amount $1,600,000
Average Applicant Income $70,669
Highest Applicant Income $6,625,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for National City Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 6,984 $ 429,976,000 $ 61,565 $ 71,000
Cuyahoga, Ohio 4,360 $ 306,590,000 $ 70,318 $ 50,000
Jefferson, Kentucky 2,668 $ 162,141,000 $ 60,772 $ 58,000
Westmoreland, Pennsylvania 2,501 $ 165,698,000 $ 66,252 $ 63,000
Franklin, Ohio 2,334 $ 152,699,000 $ 65,423 $ 72,000
Wayne, Michigan 2,133 $ 98,925,000 $ 46,378 $ 57,000
Fayette, Pennsylvania 1,911 $ 102,053,000 $ 53,402 $ 50,000
Marion, Indiana 1,819 $ 88,250,000 $ 48,515 $ 67,000
Washington, Pennsylvania 1,558 $ 97,414,000 $ 62,525 $ 60,000
Erie, Pennsylvania 1,374 $ 90,444,000 $ 65,825 $ 52,000
Summit, Ohio 1,168 $ 83,628,000 $ 71,599 $ 67,000
Los Angeles, California 1,166 $ 78,260,000 $ 67,118 $ 141,000
Crawford, Pennsylvania 1,128 $ 70,504,000 $ 62,503 $ 53,000
Fairfax, Virginia 1,096 $ 55,376,000 $ 50,525 $ 104,000
Montgomery, Ohio 1,041 $ 48,195,000 $ 46,296 $ 59,000
Oakland, Michigan 1,037 $ 46,299,000 $ 44,647 $ 77,000
Mercer, Pennsylvania 1,016 $ 61,213,000 $ 60,249 $ 62,000
Maricopa, Arizona 1,002 $ 46,911,000 $ 46,817 $ 104,000
Cook, Illinois 963 $ 43,780,000 $ 45,462 $ 81,000
Butler, Pennsylvania 953 $ 65,327,000 $ 68,548 $ 66,000
Montgomery, Maryland 754 $ 39,359,000 $ 52,200 $ 110,000
Allen, Indiana 735 $ 41,314,000 $ 56,209 $ 51,000
Fayette, Kentucky 716 $ 53,584,000 $ 74,837 $ 61,000
Warren, Pennsylvania 696 $ 34,364,000 $ 49,373 $ 47,000
Beaver, Pennsylvania 682 $ 41,468,000 $ 60,803 $ 60,000
McLean, Illinois 644 $ 17,413,000 $ 27,038 $ 49,000
Mahoning, Ohio 644 $ 40,993,000 $ 63,653 $ 55,000
Muskegon, Michigan 592 $ 25,696,000 $ 43,405 $ 42,000
Lucas, Ohio 587 $ 23,343,000 $ 39,766 $ 57,000
Trumbull, Ohio 574 $ 31,778,000 $ 55,362 $ 135,000
Loudoun, Virginia 563 $ 27,130,000 $ 48,188 $ 100,000
King, Washington 545 $ 27,372,000 $ 50,223 $ 97,000
Macomb, Michigan 541 $ 21,446,000 $ 39,641 $ 83,000
Kent, Michigan 539 $ 20,143,000 $ 37,371 $ 55,000
Lawrence, Ohio 537 $ 25,168,000 $ 46,867 $ 48,000
Stark, Ohio 532 $ 35,766,000 $ 67,229 $ 88,000
Santa Clara, California 521 $ 37,528,000 $ 72,030 $ 139,000
Clark, Ohio 504 $ 24,410,000 $ 48,432 $ 49,000
Madison, Indiana 472 $ 23,617,000 $ 50,036 $ 51,000
Venango, Pennsylvania 448 $ 23,048,000 $ 51,446 $ 52,000
Sangamon, Illinois 445 $ 19,457,000 $ 43,723 $ 56,000
Kalamazoo, Michigan 439 $ 24,215,000 $ 55,159 $ 59,000
Floyd, Indiana 430 $ 26,702,000 $ 62,097 $ 54,000
Saginaw, Michigan 419 $ 26,495,000 $ 63,233 $ 61,000
Prince George's, Maryland 414 $ 18,150,000 $ 43,840 $ 95,000
Ottawa, Michigan 402 $ 15,507,000 $ 38,574 $ 58,000
Licking, Ohio 390 $ 23,783,000 $ 60,982 $ 52,000
Lawrence, Pennsylvania 390 $ 22,673,000 $ 58,135 $ 63,000
Montgomery, Pennsylvania 386 $ 17,521,000 $ 45,391 $ 124,000
Alameda, California 379 $ 24,285,000 $ 64,076 $ 113,000
San Diego, California 377 $ 23,670,000 $ 62,785 $ 105,000
Prince William, Virginia 376 $ 16,344,000 $ 43,468 $ 106,000
District of Columbia, District Of Columbia 373 $ 20,888,000 $ 56,000 $ 132,000
Orange, California 371 $ 24,815,000 $ 66,886 $ 130,000
Lorain, Ohio 370 $ 26,678,000 $ 72,102 $ 64,000
Hamilton, Indiana 365 $ 24,132,000 $ 66,115 $ 84,000
Will, Illinois 360 $ 12,206,000 $ 33,905 $ 66,000
Anne Arundel, Maryland 360 $ 15,701,000 $ 43,613 $ 107,000
Delaware, Ohio 348 $ 27,911,000 $ 80,204 $ 102,000
Clarion, Pennsylvania 340 $ 18,496,000 $ 54,400 $ 60,000
St. Joseph, Indiana 338 $ 22,206,000 $ 65,698 $ 50,000
Lapeer, Michigan 337 $ 22,397,000 $ 66,459 $ 62,000
Lake, Ohio 337 $ 21,458,000 $ 63,673 $ 60,000
Bay, Michigan 335 $ 21,819,000 $ 65,131 $ 61,000
Elk, Pennsylvania 335 $ 19,404,000 $ 57,922 $ 64,000
Lake, Illinois 326 $ 15,836,000 $ 48,576 $ 82,000
Daviess, Kentucky 326 $ 13,936,000 $ 42,748 $ 64,000
Portage, Ohio 326 $ 20,306,000 $ 62,288 $ 61,000
Medina, Ohio 325 $ 27,223,000 $ 83,763 $ 64,000
Monroe, Michigan 322 $ 15,380,000 $ 47,763 $ 55,000
Boyd, Kentucky 319 $ 17,295,000 $ 54,216 $ 58,000
Fairfield, Ohio 312 $ 20,144,000 $ 64,564 $ 130,000
Ingham, Michigan 310 $ 14,688,000 $ 47,380 $ 57,000
Bucks, Pennsylvania 310 $ 14,850,000 $ 47,903 $ 86,000
Genesee, Michigan 309 $ 16,849,000 $ 54,527 $ 59,000
Washtenaw, Michigan 298 $ 13,617,000 $ 45,694 $ 75,000
Laurel, Kentucky 295 $ 15,665,000 $ 53,101 $ 66,000
Contra Costa, California 289 $ 17,927,000 $ 62,031 $ 120,000
Middlesex, Massachusetts 287 $ 16,847,000 $ 58,700 $ 120,000
Baltimore, Maryland 281 $ 10,022,000 $ 35,665 $ 104,000
Peoria, Illinois 279 $ 11,485,000 $ 41,164 $ 54,000
Columbiana, Ohio 277 $ 16,523,000 $ 59,649 $ 52,000
Winnebago, Illinois 271 $ 10,435,000 $ 38,505 $ 49,000
Bullitt, Kentucky 268 $ 17,121,000 $ 63,884 $ 62,000
Allegan, Michigan 267 $ 13,437,000 $ 50,325 $ 56,000
Howard, Maryland 263 $ 12,187,000 $ 46,338 $ 108,000
Sacramento, California 254 $ 10,660,000 $ 41,968 $ 86,000
Warren, Kentucky 254 $ 13,949,000 $ 54,917 $ 57,000
Clay, Kentucky 253 $ 10,571,000 $ 41,782 $ 40,000
Guernsey, Ohio 251 $ 10,102,000 $ 40,247 $ 40,000
Scioto, Ohio 248 $ 12,867,000 $ 51,883 $ 47,000
Lancaster, Pennsylvania 248 $ 7,868,000 $ 31,725 $ 86,000
San Francisco, California 247 $ 22,906,000 $ 92,736 $ 161,000
Clark, Indiana 243 $ 15,506,000 $ 63,810 $ 68,000
Knox, Kentucky 242 $ 11,022,000 $ 45,545 $ 54,000
Greene, Pennsylvania 240 $ 10,883,000 $ 45,345 $ 43,000
Jennings, Indiana 234 $ 13,661,000 $ 58,380 $ 50,000
Riverside, California 229 $ 11,288,000 $ 49,292 $ 108,000
Howard, Indiana 226 $ 14,338,000 $ 63,442 $ 78,000
LaPorte, Indiana 225 $ 12,424,000 $ 55,217 $ 53,000
Champaign, Illinois 222 $ 5,638,000 $ 25,396 $ 51,000
Jefferson, Pennsylvania 222 $ 11,890,000 $ 53,558 $ 46,000
Jefferson, Indiana 221 $ 13,912,000 $ 62,950 $ 48,000
Frederick, Maryland 221 $ 7,792,000 $ 35,257 $ 85,000
York, Pennsylvania 219 $ 7,028,000 $ 32,091 $ 62,000
Hendricks, Indiana 216 $ 12,331,000 $ 57,087 $ 65,000
Chester, Pennsylvania 215 $ 9,359,000 $ 43,530 $ 86,000
Arlington, Virginia 213 $ 9,903,000 $ 46,492 $ 110,000
Lake, Indiana 207 $ 7,085,000 $ 34,227 $ 48,000
Madison, Kentucky 205 $ 14,232,000 $ 69,424 $ 56,000
Washington, Oregon 204 $ 7,566,000 $ 37,088 $ 81,000
Greenup, Kentucky 203 $ 12,158,000 $ 59,891 $ 65,000
Virginia Beach, Virginia 203 $ 6,978,000 $ 34,374 $ 93,000
Huron, Ohio 197 $ 11,047,000 $ 56,076 $ 55,000
DuPage, Illinois 195 $ 9,505,000 $ 48,743 $ 86,000
Greene, Ohio 194 $ 9,745,000 $ 50,231 $ 65,000
Marion, Ohio 193 $ 8,946,000 $ 46,352 $ 48,000
Oldham, Kentucky 191 $ 17,118,000 $ 89,623 $ 76,000
Washington, Indiana 188 $ 8,570,000 $ 45,585 $ 47,000
Kankakee, Illinois 186 $ 4,764,000 $ 25,612 $ 48,000
Hancock, Indiana 186 $ 12,212,000 $ 65,655 $ 66,000
Alexandria, Virginia 185 $ 9,357,000 $ 50,578 $ 119,000
Montgomery, Indiana 183 $ 7,861,000 $ 42,956 $ 61,000
Multnomah, Oregon 182 $ 7,178,000 $ 39,439 $ 94,000
Livingston, Michigan 178 $ 10,304,000 $ 57,887 $ 70,000
Johnson, Indiana 177 $ 9,767,000 $ 55,180 $ 63,000
Snohomish, Washington 176 $ 7,454,000 $ 42,352 $ 89,000
Erie, Ohio 164 $ 9,695,000 $ 59,115 $ 55,000
Clare, Michigan 163 $ 7,929,000 $ 48,644 $ 38,000
Armstrong, Pennsylvania 163 $ 8,963,000 $ 54,987 $ 53,000
Delaware, Pennsylvania 163 $ 7,054,000 $ 43,276 $ 96,000
Tazewell, Illinois 162 $ 6,232,000 $ 38,469 $ 53,000
Perry, Ohio 162 $ 7,860,000 $ 48,518 $ 49,000
Wake, North Carolina 161 $ 5,160,000 $ 32,049 $ 83,000
Muskingum, Ohio 161 $ 7,765,000 $ 48,229 $ 55,000
Philadelphia, Pennsylvania 160 $ 5,870,000 $ 36,687 $ 62,000
San Mateo, California 159 $ 13,311,000 $ 83,716 $ 128,000
Jessamine, Kentucky 158 $ 12,264,000 $ 77,620 $ 59,000
McKean, Pennsylvania 157 $ 7,456,000 $ 47,490 $ 49,000
Douglas, Colorado 156 $ 7,085,000 $ 45,416 $ 110,000
Kane, Illinois 156 $ 6,848,000 $ 43,897 $ 68,000
Belmont, Ohio 154 $ 8,214,000 $ 53,337 $ 44,000
Geauga, Ohio 154 $ 14,044,000 $ 91,194 $ 66,000
Eaton, Michigan 151 $ 9,021,000 $ 59,741 $ 61,000
Baltimore City, Maryland 150 $ 4,255,000 $ 28,366 $ 88,000
Norfolk, Massachusetts 150 $ 7,752,000 $ 51,680 $ 104,000
Jefferson, Colorado 149 $ 6,513,000 $ 43,711 $ 88,000
Boyle, Kentucky 149 $ 9,752,000 $ 65,449 $ 55,000
Van Buren, Michigan 146 $ 7,437,000 $ 50,938 $ 49,000
Middlesex, New Jersey 143 $ 5,970,000 $ 41,748 $ 96,000
Boulder, Colorado 142 $ 7,456,000 $ 52,507 $ 103,000
Ogemaw, Michigan 141 $ 8,890,000 $ 63,049 $ 42,000
Kosciusko, Indiana 140 $ 6,329,000 $ 45,207 $ 44,000
Clark, Nevada 140 $ 6,277,000 $ 44,835 $ 102,000
Clackamas, Oregon 138 $ 7,139,000 $ 51,731 $ 87,000
Arapahoe, Colorado 136 $ 4,918,000 $ 36,161 $ 105,000
Manistee, Michigan 136 $ 8,817,000 $ 64,830 $ 42,000
Carroll, Ohio 136 $ 7,050,000 $ 51,838 $ 44,000
Jefferson, Ohio 136 $ 7,248,000 $ 53,294 $ 45,000
Calvert, Maryland 135 $ 6,336,000 $ 46,933 $ 98,000
Gladwin, Michigan 135 $ 6,749,000 $ 49,992 $ 39,000
Mason, Michigan 135 $ 8,364,000 $ 61,955 $ 52,000
Cobb, Georgia 133 $ 4,373,000 $ 32,879 $ 91,000
Tuscola, Michigan 133 $ 7,679,000 $ 57,736 $ 44,000
Huntington, Indiana 131 $ 6,984,000 $ 53,312 $ 53,000
Shelby, Indiana 131 $ 7,071,000 $ 53,977 $ 58,000
Wells, Indiana 131 $ 6,336,000 $ 48,366 $ 53,000
Wood, Ohio 131 $ 9,422,000 $ 71,923 $ 61,000
Iosco, Michigan 129 $ 6,373,000 $ 49,403 $ 47,000
Warren, Ohio 128 $ 5,991,000 $ 46,804 $ 83,000
Boone, Indiana 126 $ 6,368,000 $ 50,539 $ 74,000
Montmorency, Michigan 126 $ 6,736,000 $ 53,460 $ 43,000
San Bernardino, California 125 $ 5,838,000 $ 46,704 $ 93,000
Hamilton, Ohio 125 $ 5,065,000 $ 40,520 $ 65,000
Suffolk, Massachusetts 124 $ 8,485,000 $ 68,427 $ 117,000
Isabella, Michigan 124 $ 5,625,000 $ 45,362 $ 70,000
Ventura, California 121 $ 8,112,000 $ 67,041 $ 110,000
Broward, Florida 118 $ 7,046,000 $ 59,711 $ 91,000
Miami, Indiana 118 $ 6,111,000 $ 51,788 $ 54,000
Branch, Michigan 115 $ 5,160,000 $ 44,869 $ 45,000
Calhoun, Michigan 115 $ 4,582,000 $ 39,843 $ 48,000
Cheboygan, Michigan 115 $ 5,245,000 $ 45,608 $ 55,000
Chesapeake, Virginia 115 $ 3,648,000 $ 31,721 $ 89,000
Lehigh, Pennsylvania 114 $ 4,440,000 $ 38,947 $ 77,000
Denver, Colorado 113 $ 4,996,000 $ 44,212 $ 84,000
Boone, Illinois 113 $ 4,501,000 $ 39,831 $ 49,000
Mecklenburg, North Carolina 112 $ 4,989,000 $ 44,544 $ 87,000
Miami, Ohio 112 $ 5,227,000 $ 46,669 $ 55,000
Henrico, Virginia 112 $ 3,188,000 $ 28,464 $ 85,000
San Joaquin, California 110 $ 4,865,000 $ 44,227 $ 91,000
Macon, Illinois 109 $ 3,117,000 $ 28,596 $ 48,000
Clearfield, Pennsylvania 109 $ 5,738,000 $ 52,642 $ 61,000
Bell, Kentucky 108 $ 5,082,000 $ 47,055 $ 43,000
Madison, Ohio 108 $ 6,141,000 $ 56,861 $ 65,000
Berks, Pennsylvania 108 $ 3,863,000 $ 35,768 $ 71,000
Dauphin, Pennsylvania 107 $ 3,399,000 $ 31,766 $ 73,000
Pima, Arizona 106 $ 3,504,000 $ 33,056 $ 104,000
Menominee, Michigan 106 $ 5,419,000 $ 51,122 $ 44,000
Cass, Indiana 105 $ 5,229,000 $ 49,800 $ 48,000
Indiana, Pennsylvania 105 $ 5,926,000 $ 56,438 $ 60,000
McHenry, Illinois 104 $ 4,733,000 $ 45,509 $ 84,000
Ross, Ohio 104 $ 4,040,000 $ 38,846 $ 52,000
Butler, Ohio 103 $ 4,277,000 $ 41,524 $ 65,000
Fairfield, Connecticut 102 $ 8,641,000 $ 84,715 $ 150,000
Nelson, Kentucky 102 $ 6,609,000 $ 64,794 $ 62,000
Harford, Maryland 102 $ 3,599,000 $ 35,284 $ 84,000
Alpena, Michigan 102 $ 6,341,000 $ 62,166 $ 54,000
Rock Island, Illinois 101 $ 3,134,000 $ 31,029 $ 40,000
Northampton, Pennsylvania 101 $ 4,161,000 $ 41,198 $ 75,000
Fulton, Georgia 100 $ 5,541,000 $ 55,410 $ 88,000
Harrison, Ohio 100 $ 4,129,000 $ 41,290 $ 42,000
Clark, Washington 100 $ 3,241,000 $ 32,410 $ 83,000
Whitley, Kentucky 96 $ 5,011,000 $ 52,197 $ 48,000
St. Mary's, Maryland 96 $ 3,625,000 $ 37,760 $ 80,000
Midland, Michigan 96 $ 5,010,000 $ 52,187 $ 51,000
Ashland, Ohio 96 $ 4,662,000 $ 48,562 $ 51,000
Chippewa, Michigan 94 $ 5,773,000 $ 61,414 $ 48,000
Hocking, Ohio 91 $ 4,555,000 $ 50,054 $ 50,000
Coshocton, Ohio 90 $ 4,731,000 $ 52,566 $ 43,000
Whitley, Indiana 89 $ 5,084,000 $ 57,123 $ 50,000
Charles, Maryland 89 $ 3,713,000 $ 41,719 $ 97,000
Essex, Massachusetts 89 $ 4,608,000 $ 51,775 $ 94,000
Burlington, New Jersey 89 $ 2,698,000 $ 30,314 $ 97,000
Chautauqua, New York 89 $ 4,610,000 $ 51,797 $ 49,000
Stafford, Virginia 88 $ 3,595,000 $ 40,852 $ 91,000
DeKalb, Indiana 86 $ 4,780,000 $ 55,581 $ 72,000
Houghton, Michigan 86 $ 4,381,000 $ 50,941 $ 49,000
Gwinnett, Georgia 85 $ 3,168,000 $ 37,270 $ 94,000
Putnam, Indiana 84 $ 5,071,000 $ 60,369 $ 61,000
Plymouth, Massachusetts 84 $ 5,490,000 $ 65,357 $ 116,000
Washington, Maryland 83 $ 2,170,000 $ 26,144 $ 70,000
Suffolk, New York 83 $ 5,574,000 $ 67,156 $ 139,000
Cumberland, Pennsylvania 83 $ 2,983,000 $ 35,939 $ 72,000
Knox, Tennessee 83 $ 2,198,000 $ 26,481 $ 99,000
Jasper, Indiana 82 $ 4,957,000 $ 60,451 $ 54,000
Gogebic, Michigan 82 $ 3,915,000 $ 47,743 $ 42,000
Johnson, Kansas 81 $ 2,842,000 $ 35,086 $ 87,000
Shiawassee, Michigan 81 $ 4,183,000 $ 51,641 $ 57,000
Pierce, Washington 81 $ 3,410,000 $ 42,098 $ 92,000
Carroll, Maryland 80 $ 2,820,000 $ 35,250 $ 88,000
Jackson, Ohio 79 $ 4,020,000 $ 50,886 $ 43,000
Thurston, Washington 79 $ 2,298,000 $ 29,088 $ 106,000
Barry, Michigan 78 $ 3,387,000 $ 43,423 $ 50,000
Adams, Colorado 77 $ 2,658,000 $ 34,519 $ 81,000
Guilford, North Carolina 77 $ 2,121,000 $ 27,545 $ 92,000
Pickaway, Ohio 77 $ 3,383,000 $ 43,935 $ 46,000
Union, Ohio 77 $ 5,029,000 $ 65,311 $ 71,000
Worcester, Massachusetts 76 $ 2,934,000 $ 38,605 $ 98,000
Orange, Florida 75 $ 3,702,000 $ 49,360 $ 131,000
Knox, Ohio 75 $ 3,419,000 $ 45,586 $ 57,000
Palm Beach, Florida 74 $ 5,116,000 $ 69,135 $ 185,000
Chesterfield, Virginia 74 $ 2,237,000 $ 30,229 $ 81,000
Tipton, Indiana 73 $ 5,081,000 $ 69,602 $ 79,000
Woodford, Kentucky 73 $ 6,370,000 $ 87,260 $ 68,000
Queens, New York 73 $ 4,977,000 $ 68,178 $ 95,000
Hartford, Connecticut 72 $ 2,863,000 $ 39,763 $ 107,000
Dickinson, Michigan 72 $ 3,608,000 $ 50,111 $ 55,000
Logan, Ohio 72 $ 4,023,000 $ 55,875 $ 46,000
Hillsborough, Florida 71 $ 3,229,000 $ 45,478 $ 146,000
Elkhart, Indiana 71 $ 3,536,000 $ 49,802 $ 56,000
Franklin, Kentucky 71 $ 5,405,000 $ 76,126 $ 67,000
Fulton, Ohio 71 $ 3,285,000 $ 46,267 $ 54,000
Harrison, Indiana 70 $ 5,036,000 $ 71,942 $ 51,000
Anoka, Minnesota 70 $ 3,031,000 $ 43,300 $ 57,000
Tuscarawas, Ohio 69 $ 2,512,000 $ 36,405 $ 43,000
Morgan, Illinois 68 $ 4,017,000 $ 59,073 $ 98,000
St. Clair, Michigan 68 $ 3,491,000 $ 51,338 $ 108,000
Kitsap, Washington 68 $ 2,821,000 $ 41,485 $ 95,000
Bartholomew, Indiana 66 $ 2,684,000 $ 40,666 $ 57,000
Claiborne, Tennessee 66 $ 3,131,000 $ 47,439 $ 41,000
DeKalb, Georgia 63 $ 2,797,000 $ 44,396 $ 106,000
Antrim, Michigan 63 $ 3,467,000 $ 55,031 $ 76,000
Somerset, Pennsylvania 63 $ 3,956,000 $ 62,793 $ 68,000
Kendall, Illinois 62 $ 1,847,000 $ 29,790 $ 69,000
Lincoln, Kentucky 61 $ 3,127,000 $ 51,262 $ 51,000
Norfolk, Virginia 61 $ 2,034,000 $ 33,344 $ 95,000
Roanoke, Virginia 61 $ 1,805,000 $ 29,590 $ 78,000
Jackson, Missouri 60 $ 1,986,000 $ 33,100 $ 85,000
Placer, California 59 $ 3,339,000 $ 56,593 $ 117,000
New Castle, Delaware 59 $ 2,052,000 $ 34,779 $ 80,000
Santa Cruz, California 58 $ 3,441,000 $ 59,327 $ 112,000
New Haven, Connecticut 58 $ 3,197,000 $ 55,120 $ 118,000
Miami-Dade, Florida 58 $ 5,609,000 $ 96,706 $ 275,000
Spokane, Washington 58 $ 1,321,000 $ 22,775 $ 82,000
El Paso, Colorado 57 $ 2,496,000 $ 43,789 $ 88,000
Alcona, Michigan 57 $ 3,461,000 $ 60,719 $ 55,000
Hennepin, Minnesota 57 $ 3,216,000 $ 56,421 $ 125,000
Providence, Rhode Island 57 $ 2,021,000 $ 35,456 $ 91,000
Clinton, Michigan 56 $ 3,194,000 $ 57,035 $ 49,000
Marquette, Michigan 56 $ 3,788,000 $ 67,642 $ 63,000
Sonoma, California 55 $ 4,178,000 $ 75,963 $ 117,000
Noble, Indiana 55 $ 3,497,000 $ 63,581 $ 53,000
Kings, New York 55 $ 4,619,000 $ 83,981 $ 140,000
Lebanon, Pennsylvania 54 $ 1,789,000 $ 33,129 $ 53,000
Porter, Indiana 53 $ 2,452,000 $ 46,264 $ 56,000
Wayne, Ohio 53 $ 2,889,000 $ 54,509 $ 38,000
Marin, California 52 $ 4,291,000 $ 82,519 $ 145,000
Marshall, Indiana 52 $ 2,785,000 $ 53,557 $ 61,000
Clark, Kentucky 52 $ 4,237,000 $ 81,480 $ 63,000
Washoe, Nevada 52 $ 2,447,000 $ 47,057 $ 81,000
Hanover, Virginia 52 $ 1,574,000 $ 30,269 $ 83,000
Solano, California 51 $ 3,295,000 $ 64,607 $ 103,000
Clermont, Ohio 51 $ 2,202,000 $ 43,176 $ 75,000
Monongalia, West Virginia 50 $ 3,189,000 $ 63,780 $ 64,000
Grand Traverse, Michigan 49 $ 2,000,000 $ 40,816 $ 59,000
Essex, New Jersey 49 $ 2,385,000 $ 48,673 $ 119,000
Ottawa, Ohio 49 $ 5,451,000 $ 111,244 $ 57,000
Sandusky, Ohio 49 $ 2,060,000 $ 42,040 $ 42,000
Luzerne, Pennsylvania 49 $ 1,934,000 $ 39,469 $ 58,000
Sussex, Delaware 48 $ 2,181,000 $ 45,437 $ 91,000
Harlan, Kentucky 48 $ 1,947,000 $ 40,562 $ 44,000
Roscommon, Michigan 48 $ 3,077,000 $ 64,104 $ 48,000
Ramsey, Minnesota 48 $ 1,943,000 $ 40,479 $ 40,000
St. Louis, Missouri 48 $ 2,115,000 $ 44,062 $ 78,000
Champaign, Ohio 48 $ 2,777,000 $ 57,854 $ 49,000
Emmet, Michigan 47 $ 2,059,000 $ 43,808 $ 55,000
Monroe, Pennsylvania 47 $ 1,683,000 $ 35,808 $ 69,000
Jackson, Michigan 46 $ 1,802,000 $ 39,173 $ 49,000
Seneca, Ohio 46 $ 1,715,000 $ 37,282 $ 52,000
Salt Lake, Utah 46 $ 1,591,000 $ 34,586 $ 88,000
Jackson, Indiana 45 $ 2,198,000 $ 48,844 $ 46,000
Morgan, Indiana 45 $ 2,612,000 $ 58,044 $ 69,000
Scott, Kentucky 45 $ 3,585,000 $ 79,666 $ 52,000
Nassau, New York 45 $ 2,642,000 $ 58,711 $ 113,000
Union, New Jersey 44 $ 2,097,000 $ 47,659 $ 161,000
Bernalillo, New Mexico 44 $ 1,442,000 $ 32,772 $ 88,000
Forsyth, Georgia 43 $ 1,887,000 $ 43,883 $ 93,000
Lewis, Kentucky 43 $ 2,194,000 $ 51,023 $ 45,000
Franklin, Pennsylvania 43 $ 1,296,000 $ 30,139 $ 48,000
Cherokee, Georgia 42 $ 1,509,000 $ 35,928 $ 107,000
Bristol, Massachusetts 42 $ 2,908,000 $ 69,238 $ 104,000
Lenawee, Michigan 42 $ 1,551,000 $ 36,928 $ 63,000
Dakota, Minnesota 42 $ 1,508,000 $ 35,904 $ 62,000
Ashtabula, Ohio 42 $ 2,285,000 $ 54,404 $ 48,000
Richland, Ohio 42 $ 1,550,000 $ 36,904 $ 55,000
Albemarle, Virginia 42 $ 1,475,000 $ 35,119 $ 79,000
Somerset, New Jersey 41 $ 1,937,000 $ 47,243 $ 138,000
Clinton, Ohio 41 $ 1,882,000 $ 45,902 $ 69,000
Jackson, Oregon 41 $ 1,202,000 $ 29,317 $ 84,000
Shelby, Kentucky 40 $ 3,846,000 $ 96,150 $ 86,000
St. Charles, Missouri 40 $ 1,638,000 $ 40,950 $ 95,000
Erie, New York 40 $ 1,256,000 $ 31,400 $ 67,000
Cattaraugus, New York 39 $ 1,538,000 $ 39,435 $ 53,000
Boone, Kentucky 38 $ 1,497,000 $ 39,394 $ 57,000
Monmouth, New Jersey 38 $ 1,683,000 $ 44,289 $ 97,000
Spotsylvania, Virginia 38 $ 1,163,000 $ 30,605 $ 92,000
Brown, Indiana 37 $ 2,560,000 $ 69,189 $ 56,000
Delaware, Indiana 37 $ 2,077,000 $ 56,135 $ 53,000
Garrard, Kentucky 37 $ 2,630,000 $ 71,081 $ 54,000
Spencer, Kentucky 37 $ 2,935,000 $ 79,324 $ 87,000
Caddo, Louisiana 37 $ 1,124,000 $ 30,378 $ 108,000
Oceana, Michigan 37 $ 1,779,000 $ 48,081 $ 56,000
Suffolk, Virginia 36 $ 1,279,000 $ 35,527 $ 98,000
Bergen, New Jersey 35 $ 1,722,000 $ 49,200 $ 114,000
Monroe, New York 35 $ 1,315,000 $ 37,571 $ 93,000
Fayette, Ohio 35 $ 1,238,000 $ 35,371 $ 37,000
Centre, Pennsylvania 35 $ 1,172,000 $ 33,485 $ 60,000
Berrien, Michigan 34 $ 1,686,000 $ 49,588 $ 56,000
Lane, Oregon 34 $ 1,197,000 $ 35,205 $ 132,000
Blair, Pennsylvania 34 $ 1,397,000 $ 41,088 $ 62,000
Mercer, Kentucky 33 $ 2,452,000 $ 74,303 $ 44,000
Richmond City, Virginia 33 $ 882,000 $ 26,727 $ 75,000
Polk, Iowa 32 $ 1,147,000 $ 35,843 $ 53,000
Carter, Kentucky 32 $ 1,574,000 $ 49,187 $ 49,000
Arenac, Michigan 32 $ 1,835,000 $ 57,343 $ 48,000
Oscoda, Michigan 32 $ 1,937,000 $ 60,531 $ 49,000
Woodford, Illinois 31 $ 1,290,000 $ 41,612 $ 71,000
Cecil, Maryland 31 $ 966,000 $ 31,161 $ 61,000
Westchester, New York 31 $ 2,311,000 $ 74,548 $ 135,000
Johnston, North Carolina 31 $ 778,000 $ 25,096 $ 72,000
Morrow, Ohio 31 $ 1,629,000 $ 52,548 $ 43,000
Henry, Indiana 30 $ 1,520,000 $ 50,666 $ 55,000
Ripley, Indiana 30 $ 1,329,000 $ 44,300 $ 50,000
Montcalm, Michigan 30 $ 1,346,000 $ 44,866 $ 50,000
St. Joseph, Michigan 30 $ 1,481,000 $ 49,366 $ 81,000
Gloucester, New Jersey 30 $ 963,000 $ 32,100 $ 89,000
Noble, Ohio 30 $ 1,161,000 $ 38,700 $ 62,000
Pinellas, Florida 29 $ 1,762,000 $ 60,758 $ 134,000
Union, North Carolina 29 $ 887,000 $ 30,586 $ 97,000
Coconino, Arizona 28 $ 989,000 $ 35,321 $ 89,000
Davidson, Tennessee 28 $ 735,000 $ 26,250 $ 92,000
York, Virginia 28 $ 1,008,000 $ 36,000 $ 106,000
Vanderburgh, Indiana 27 $ 883,000 $ 32,703 $ 34,000
Trimble, Kentucky 27 $ 1,706,000 $ 63,185 $ 57,000
Ontario, New York 27 $ 1,263,000 $ 46,777 $ 75,000
Adams, Pennsylvania 27 $ 808,000 $ 29,925 $ 54,000
Chittenden, Vermont 27 $ 1,027,000 $ 38,037 $ 103,000
Berkeley, West Virginia 27 $ 774,000 $ 28,666 $ 65,000
Hancock, West Virginia 27 $ 1,146,000 $ 42,444 $ 51,000
Morris, New Jersey 26 $ 1,363,000 $ 52,423 $ 117,000
Dare, North Carolina 26 $ 1,619,000 $ 62,269 $ 142,000
Cambria, Pennsylvania 26 $ 1,110,000 $ 42,692 $ 43,000
Schuylkill, Pennsylvania 26 $ 855,000 $ 32,884 $ 65,000
Roanoke City, Virginia 26 $ 607,000 $ 23,346 $ 79,000
Stanislaus, California 25 $ 992,000 $ 39,680 $ 83,000
Monroe, Indiana 25 $ 1,243,000 $ 49,720 $ 72,000
Anderson, Kentucky 25 $ 2,575,000 $ 103,000 $ 102,000
Newaygo, Michigan 25 $ 1,152,000 $ 46,080 $ 60,000
Santa Fe, New Mexico 25 $ 1,379,000 $ 55,160 $ 111,000
Newport News, Virginia 25 $ 579,000 $ 23,160 $ 118,000
Jefferson, West Virginia 25 $ 827,000 $ 33,080 $ 84,000
Weld, Colorado 24 $ 961,000 $ 40,041 $ 96,000
Logan, Illinois 24 $ 862,000 $ 35,916 $ 53,000
Ohio, Indiana 24 $ 1,315,000 $ 54,791 $ 55,000
Leslie, Kentucky 24 $ 1,068,000 $ 44,500 $ 47,000
Marinette, Wisconsin 24 $ 888,000 $ 37,000 $ 37,000
Pinal, Arizona 23 $ 1,122,000 $ 48,782 $ 72,000
Madison, Illinois 23 $ 635,000 $ 27,608 $ 59,000
Hardin, Kentucky 23 $ 1,362,000 $ 59,217 $ 51,000
Henry, Kentucky 23 $ 1,765,000 $ 76,739 $ 54,000
Kenton, Kentucky 23 $ 886,000 $ 38,521 $ 58,000
Meade, Kentucky 23 $ 1,501,000 $ 65,260 $ 56,000
Queen Anne's, Maryland 23 $ 958,000 $ 41,652 $ 97,000
Cass, Michigan 23 $ 1,633,000 $ 71,000 $ 87,000
Hillsdale, Michigan 23 $ 1,211,000 $ 52,652 $ 78,000
Camden, New Jersey 23 $ 643,000 $ 27,956 $ 72,000
Orange, New York 23 $ 904,000 $ 39,304 $ 92,000
Forest, Pennsylvania 23 $ 1,169,000 $ 50,826 $ 70,000
Manassas, Virginia 23 $ 787,000 $ 34,217 $ 91,000
El Dorado, California 22 $ 1,424,000 $ 64,727 $ 140,000
Collier, Florida 22 $ 2,675,000 $ 121,590 $ 495,000
Lee, Florida 22 $ 2,701,000 $ 122,772 $ 177,000
Coweta, Georgia 22 $ 587,000 $ 26,681 $ 72,000
Fayette, Georgia 22 $ 899,000 $ 40,863 $ 95,000
Christian, Illinois 22 $ 618,000 $ 28,090 $ 57,000
DeKalb, Illinois 22 $ 907,000 $ 41,227 $ 57,000
Fountain, Indiana 22 $ 1,017,000 $ 46,227 $ 69,000
Grant, Indiana 22 $ 1,190,000 $ 54,090 $ 54,000
Edmonson, Kentucky 22 $ 937,000 $ 42,590 $ 53,000
Ohio, Kentucky 22 $ 1,046,000 $ 47,545 $ 38,000
Barnstable, Massachusetts 22 $ 1,230,000 $ 55,909 $ 116,000
Kalkaska, Michigan 22 $ 1,143,000 $ 51,954 $ 65,000
Clay, Missouri 22 $ 520,000 $ 23,636 $ 54,000
Hillsborough, New Hampshire 22 $ 749,000 $ 34,045 $ 88,000
James City, Virginia 22 $ 740,000 $ 33,636 $ 78,000
Cowlitz, Washington 22 $ 748,000 $ 34,000 $ 79,000
Cabell, West Virginia 22 $ 1,700,000 $ 77,272 $ 77,000
Shasta, California 21 $ 889,000 $ 42,333 $ 115,000
Chatham, Georgia 21 $ 607,000 $ 28,904 $ 68,000
LaSalle, Illinois 21 $ 765,000 $ 36,428 $ 44,000
Bourbon, Kentucky 21 $ 2,201,000 $ 104,809 $ 75,000
Mackinac, Michigan 21 $ 1,032,000 $ 49,142 $ 64,000
Otsego, Michigan 21 $ 1,064,000 $ 50,666 $ 64,000
Presque Isle, Michigan 21 $ 1,868,000 $ 88,952 $ 50,000
Kent, Rhode Island 21 $ 824,000 $ 39,238 $ 78,000
Utah, Utah 21 $ 674,000 $ 32,095 $ 63,000
Pasco, Florida 20 $ 454,000 $ 22,700 $ 103,000
Bibb, Georgia 20 $ 505,000 $ 25,250 $ 98,000
Grundy, Illinois 20 $ 677,000 $ 33,850 $ 66,000
Adams, Indiana 20 $ 984,000 $ 49,200 $ 57,000
Dearborn, Indiana 20 $ 811,000 $ 40,550 $ 46,000
Letcher, Kentucky 20 $ 711,000 $ 35,550 $ 41,000
Ionia, Michigan 20 $ 762,000 $ 38,100 $ 57,000
Washington, Minnesota 20 $ 1,027,000 $ 51,350 $ 90,000
Ocean, New Jersey 20 $ 1,055,000 $ 52,750 $ 79,000
Saratoga, New York 20 $ 750,000 $ 37,500 $ 57,000
New Hanover, North Carolina 20 $ 547,000 $ 27,350 $ 95,000
Hancock, Ohio 20 $ 801,000 $ 40,050 $ 59,000
Henry, Ohio 20 $ 568,000 $ 28,400 $ 43,000
Fairfax City, Virginia 20 $ 881,000 $ 44,050 $ 106,000
Lee, Virginia 20 $ 989,000 $ 49,450 $ 45,000
Litchfield, Connecticut 19 $ 900,000 $ 47,368 $ 88,000
Cumberland, Illinois 19 $ 313,000 $ 16,473 $ 32,000
Scott, Indiana 19 $ 1,267,000 $ 66,684 $ 55,000
Grayson, Kentucky 19 $ 831,000 $ 43,736 $ 47,000
Bossier, Louisiana 19 $ 541,000 $ 28,473 $ 129,000
Worcester, Maryland 19 $ 778,000 $ 40,947 $ 98,000
Hampden, Massachusetts 19 $ 659,000 $ 34,684 $ 96,000
Jefferson, Missouri 19 $ 594,000 $ 31,263 $ 62,000
Atlantic, New Jersey 19 $ 618,000 $ 32,526 $ 94,000
Deschutes, Oregon 19 $ 1,141,000 $ 60,052 $ 149,000
Botetourt, Virginia 19 $ 518,000 $ 27,263 $ 110,000
Hampton, Virginia 19 $ 641,000 $ 33,736 $ 86,000
Orange, Virginia 19 $ 508,000 $ 26,736 $ 77,000
Milwaukee, Wisconsin 19 $ 606,000 $ 31,894 $ 91,000
Seminole, Florida 18 $ 683,000 $ 37,944 $ 97,000
Menard, Illinois 18 $ 845,000 $ 46,944 $ 53,000
St. Clair, Illinois 18 $ 852,000 $ 47,333 $ 53,000
Steuben, Indiana 18 $ 1,407,000 $ 78,166 $ 65,000
Perry, Kentucky 18 $ 581,000 $ 32,277 $ 46,000
Sanilac, Michigan 18 $ 1,136,000 $ 63,111 $ 62,000
Scott, Minnesota 18 $ 1,322,000 $ 73,444 $ 68,000
Pitt, North Carolina 18 $ 406,000 $ 22,555 $ 75,000
Lackawanna, Pennsylvania 18 $ 754,000 $ 41,888 $ 50,000
Larimer, Colorado 17 $ 501,000 $ 29,470 $ 122,000
Piatt, Illinois 17 $ 517,000 $ 30,411 $ 55,000
Starke, Indiana 17 $ 661,000 $ 38,882 $ 56,000
Wicomico, Maryland 17 $ 359,000 $ 21,117 $ 65,000
Charlevoix, Michigan 17 $ 837,000 $ 49,235 $ 73,000
Rockingham, New Hampshire 17 $ 702,000 $ 41,294 $ 87,000
Mercer, New Jersey 17 $ 631,000 $ 37,117 $ 91,000
Cameron, Pennsylvania 17 $ 1,261,000 $ 74,176 $ 111,000
Carbon, Pennsylvania 17 $ 702,000 $ 41,294 $ 62,000
Fauquier, Virginia 17 $ 1,135,000 $ 66,764 $ 163,000
Yakima, Washington 17 $ 498,000 $ 29,294 $ 101,000
Santa Barbara, California 16 $ 1,043,000 $ 65,187 $ 181,000
Orleans, Louisiana 16 $ 649,000 $ 40,562 $ 94,000
Garrett, Maryland 16 $ 1,107,000 $ 69,187 $ 127,000
Hudson, New Jersey 16 $ 689,000 $ 43,062 $ 113,000
Passaic, New Jersey 16 $ 671,000 $ 41,937 $ 109,000
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Mortgage Loan Application Detail Totals for National City 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) 59,024 $3,875,112,000 $82,860 $1,600,000 $142,900 $6,625,000
Home Purchase (one-to-four family) 27,862 $1,188,288,000 $37,708 $1,500,000 $83,187 $5,423,000
Home Improvement (one-to-four family) 14,675 $457,754,000 $36,243 $500,000 $82,536 $5,000,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 5 $1,269,000 $234,000 $802,000 $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 58,561 $3,091,750,000 $45,812 $1,500,000 $100,937 $6,625,000
Information not provided by applicant in mail or telephone application 33,659 $1,966,088,000 $74,369 $1,446,000 $113,739 $6,500,000
Black 3,832 $171,462,000 $41,714 $694,000 $82,371 $900,000
Hispanic 2,324 $105,378,000 $40,388 $385,000 $78,000 $5,936,000
Asian or Pacific Islander 1,994 $110,744,000 $48,756 $825,000 $90,135 $2,076,000
Other 861 $50,186,000 $62,375 $850,000 $97,312 $573,000
American Indian or Alaskan Native 291 $12,619,000 $35,481 $309,000 $75,629 $720,000
Not applicable 44 $14,196,000 $365,600 $1,600,000 $1,600 $105,000

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) 101,408 $5,509,163,000 $69,352 $1,600,000 $122,137 $6,625,000
FHA-insured (Federal Housing Administration) 146 $12,505,000 $55,500 $224,000 $31,500 $139,000
VA-guaranteed (Veterans Administration) 11 $714,000 $46,800 $133,000 $97,800 $197,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $41,000 $41,000 $41,000 $60,000 $60,000

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 55,196 $3,107,604,000 $77,347 $1,600,000 $132,847 $6,500,000
Application Denied By Financial Institution 26,904 $1,335,876,000 $48,590 $938,000 $78,750 $6,625,000
Application Approved But Not Accepted 17,336 $930,521,000 $44,022 $500,000 $86,800 $4,314,000
Application Withdrawn By Applicant 1,095 $58,708,000 $41,756 $891,000 $92,121 $720,000
File Closed For Incompleteness 1,000 $78,443,000 $73,384 $616,000 $86,615 $4,799,000
Loan Purchased By The Institution 35 $11,271,000 $272,000 $1,038,000 $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 13,384 $583,324,000 $44,047 $938,000 $78,666 $6,625,000
Debt-To-Income Ratio 10,811 $614,881,000 $51,833 $589,000 $64,361 $4,141,000
Other 1,220 $76,591,000 $59,102 $850,000 $94,000 $2,558,000
Collateral 939 $38,843,000 $40,428 $446,000 $74,142 $568,000
Insufficient Cash (Downpayment, Closing Cost) 315 $9,206,000 $29,187 $150,000 $39,875 $250,000
Unverifiable Information 129 $8,765,000 $58,545 $325,000 $92,500 $670,000
Employment History 102 $4,156,000 $38,705 $176,000 $46,823 $151,000
Credit Application Incomplete 4 $110,000 $26,666 $39,000 $89,000 $190,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into National City 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 National City 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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