National City Bank Mortgage Lending & HMDA Data, 2004

In 2004, National City Bank of Cleveland, OH reported 64,513 mortgage applications totaling $3.4 billion, down 36% from 2003. The average application was for $52,601, and applicants reported an average income of $75,652. 50% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Pittsburgh, PA (9,335), Cleveland-Elyria-Mentor, OH (3,621) and Columbus, OH (2,161) (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 64,513
Total Mortgage Loan Application Amount $3,393,480,000
Average Mortgage Loan Application Amount $52,601
Highest Mortgage Loan Application Amount $3,798,000
Average Applicant Income $75,652
Highest Applicant Income $9,000,000

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Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 4,527 $ 279,276,000 $ 61,691 $ 98,000
Cuyahoga, Ohio 2,793 $ 171,543,000 $ 61,418 $ 58,000
Westmoreland, Pennsylvania 1,493 $ 108,695,000 $ 72,803 $ 71,000
Franklin, Ohio 1,425 $ 82,891,000 $ 58,169 $ 132,000
Jefferson, Kentucky 1,252 $ 66,447,000 $ 53,072 $ 65,000
Wayne, Michigan 1,201 $ 46,504,000 $ 38,721 $ 55,000
Washington, Pennsylvania 1,161 $ 75,498,000 $ 65,028 $ 69,000
Fayette, Pennsylvania 1,119 $ 57,624,000 $ 51,495 $ 53,000
Marion, Indiana 1,042 $ 47,545,000 $ 45,628 $ 52,000
Maricopa, Arizona 767 $ 35,987,000 $ 46,919 $ 96,000
Montgomery, Ohio 728 $ 31,096,000 $ 42,714 $ 100,000
Erie, Pennsylvania 725 $ 45,560,000 $ 62,841 $ 62,000
Summit, Ohio 694 $ 42,780,000 $ 61,642 $ 60,000
Crawford, Pennsylvania 646 $ 42,917,000 $ 66,434 $ 63,000
Cook, Illinois 638 $ 32,989,000 $ 51,706 $ 79,000
Butler, Pennsylvania 600 $ 39,523,000 $ 65,871 $ 67,000
Fairfax, Virginia 582 $ 33,219,000 $ 57,077 $ 107,000
Oakland, Michigan 545 $ 27,553,000 $ 50,555 $ 74,000
Los Angeles, California 524 $ 46,305,000 $ 88,368 $ 163,000
Allen, Indiana 517 $ 26,268,000 $ 50,808 $ 59,000
Mercer, Pennsylvania 461 $ 23,991,000 $ 52,041 $ 53,000
Lucas, Ohio 450 $ 18,206,000 $ 40,457 $ 55,000
Warren, Pennsylvania 432 $ 22,756,000 $ 52,675 $ 61,000
Montgomery, Maryland 416 $ 25,386,000 $ 61,024 $ 111,000
King, Washington 408 $ 23,995,000 $ 58,811 $ 111,000
McLean, Illinois 391 $ 11,336,000 $ 28,992 $ 54,000
Fayette, Kentucky 370 $ 21,812,000 $ 58,951 $ 72,000
Muskegon, Michigan 365 $ 13,029,000 $ 35,695 $ 40,000
Mahoning, Ohio 357 $ 16,561,000 $ 46,389 $ 50,000
Macomb, Michigan 349 $ 14,625,000 $ 41,905 $ 60,000
Prince George's, Maryland 345 $ 16,870,000 $ 48,898 $ 95,000
Beaver, Pennsylvania 344 $ 18,109,000 $ 52,642 $ 57,000
Loudoun, Virginia 344 $ 18,041,000 $ 52,444 $ 104,000
Trumbull, Ohio 335 $ 15,227,000 $ 45,453 $ 50,000
Sangamon, Illinois 281 $ 9,789,000 $ 34,836 $ 50,000
Clark, Ohio 281 $ 10,169,000 $ 36,188 $ 53,000
Lorain, Ohio 278 $ 18,328,000 $ 65,928 $ 63,000
Venango, Pennsylvania 277 $ 12,955,000 $ 46,768 $ 40,000
Kalamazoo, Michigan 271 $ 14,253,000 $ 52,594 $ 79,000
Kent, Michigan 269 $ 11,176,000 $ 41,546 $ 59,000
Montgomery, Pennsylvania 263 $ 10,496,000 $ 39,908 $ 101,000
Lawrence, Ohio 261 $ 9,256,000 $ 35,463 $ 47,000
Lake, Ohio 260 $ 15,343,000 $ 59,011 $ 55,000
Anne Arundel, Maryland 258 $ 13,239,000 $ 51,313 $ 99,000
Stark, Ohio 258 $ 13,469,000 $ 52,205 $ 55,000
Prince William, Virginia 254 $ 13,450,000 $ 52,952 $ 98,000
Madison, Indiana 250 $ 11,596,000 $ 46,384 $ 52,000
Monroe, Michigan 247 $ 9,898,000 $ 40,072 $ 54,000
Santa Clara, California 240 $ 18,954,000 $ 78,975 $ 132,000
District of Columbia, District Of Columbia 239 $ 14,465,000 $ 60,523 $ 105,000
Middlesex, Massachusetts 233 $ 13,803,000 $ 59,240 $ 108,000
Baltimore, Maryland 231 $ 8,427,000 $ 36,480 $ 83,000
Lawrence, Pennsylvania 229 $ 11,537,000 $ 50,379 $ 52,000
Orange, California 228 $ 21,667,000 $ 95,030 $ 141,000
Lake, Illinois 228 $ 10,039,000 $ 44,030 $ 111,000
Clarion, Pennsylvania 228 $ 12,551,000 $ 55,048 $ 67,000
Alameda, California 226 $ 17,830,000 $ 78,893 $ 140,000
Guernsey, Ohio 223 $ 9,012,000 $ 40,412 $ 42,000
Portage, Ohio 215 $ 11,372,000 $ 52,893 $ 62,000
Lancaster, Pennsylvania 213 $ 6,196,000 $ 29,089 $ 72,000
Lapeer, Michigan 211 $ 11,214,000 $ 53,146 $ 67,000
Clay, Kentucky 210 $ 9,397,000 $ 44,747 $ 53,000
Winnebago, Illinois 205 $ 7,011,000 $ 34,200 $ 75,000
Saginaw, Michigan 205 $ 13,437,000 $ 65,546 $ 70,000
Scioto, Ohio 201 $ 9,829,000 $ 48,900 $ 46,000
Licking, Ohio 199 $ 9,885,000 $ 49,673 $ 57,000
Delaware, Ohio 198 $ 12,739,000 $ 64,338 $ 78,000
Medina, Ohio 198 $ 13,434,000 $ 67,848 $ 68,000
Virginia Beach, Virginia 196 $ 6,829,000 $ 34,841 $ 86,000
Peoria, Illinois 195 $ 7,297,000 $ 37,420 $ 67,000
San Diego, California 191 $ 18,212,000 $ 95,350 $ 138,000
Hamilton, Indiana 190 $ 11,178,000 $ 58,831 $ 96,000
Ottawa, Michigan 190 $ 7,479,000 $ 39,363 $ 57,000
Sacramento, California 187 $ 9,369,000 $ 50,101 $ 90,000
Will, Illinois 185 $ 6,648,000 $ 35,935 $ 81,000
York, Pennsylvania 183 $ 6,051,000 $ 33,065 $ 74,000
Bay, Michigan 179 $ 9,204,000 $ 51,418 $ 59,000
Floyd, Indiana 178 $ 10,867,000 $ 61,050 $ 71,000
Daviess, Kentucky 178 $ 7,342,000 $ 41,247 $ 64,000
Champaign, Illinois 177 $ 5,656,000 $ 31,954 $ 71,000
Washtenaw, Michigan 177 $ 10,663,000 $ 60,242 $ 66,000
Kankakee, Illinois 174 $ 4,681,000 $ 26,902 $ 50,000
Lake, Indiana 173 $ 7,234,000 $ 41,815 $ 59,000
Allegan, Michigan 172 $ 7,973,000 $ 46,354 $ 51,000
Greene, Pennsylvania 171 $ 7,501,000 $ 43,865 $ 47,000
Riverside, California 167 $ 11,218,000 $ 67,173 $ 117,000
Muskingum, Ohio 166 $ 9,339,000 $ 56,259 $ 52,000
Warren, Kentucky 164 $ 8,336,000 $ 50,829 $ 43,000
St. Joseph, Indiana 161 $ 8,007,000 $ 49,732 $ 53,000
Bucks, Pennsylvania 161 $ 6,950,000 $ 43,167 $ 94,000
Boyd, Kentucky 159 $ 8,226,000 $ 51,735 $ 60,000
Frederick, Maryland 159 $ 6,874,000 $ 43,232 $ 89,000
Baltimore City, Maryland 154 $ 5,111,000 $ 33,188 $ 88,000
Fairfield, Ohio 154 $ 8,342,000 $ 54,168 $ 54,000
Clark, Indiana 153 $ 8,419,000 $ 55,026 $ 53,000
Laurel, Kentucky 150 $ 7,046,000 $ 46,973 $ 48,000
Columbiana, Ohio 150 $ 7,018,000 $ 46,786 $ 45,000
Tazewell, Illinois 149 $ 6,461,000 $ 43,362 $ 75,000
Livingston, Michigan 149 $ 8,222,000 $ 55,181 $ 86,000
Greene, Ohio 142 $ 7,228,000 $ 50,901 $ 80,000
Ingham, Michigan 140 $ 5,057,000 $ 36,121 $ 57,000
Multnomah, Oregon 140 $ 5,697,000 $ 40,692 $ 126,000
Elk, Pennsylvania 140 $ 7,903,000 $ 56,450 $ 51,000
Jefferson, Indiana 139 $ 9,706,000 $ 69,827 $ 66,000
Philadelphia, Pennsylvania 137 $ 4,673,000 $ 34,109 $ 68,000
Chester, Pennsylvania 136 $ 5,752,000 $ 42,294 $ 91,000
Contra Costa, California 135 $ 11,748,000 $ 87,022 $ 145,000
Howard, Maryland 130 $ 7,669,000 $ 58,992 $ 144,000
Pima, Arizona 128 $ 4,654,000 $ 36,359 $ 88,000
Jennings, Indiana 128 $ 7,208,000 $ 56,312 $ 41,000
Norfolk, Massachusetts 127 $ 7,611,000 $ 59,929 $ 111,000
Queens, New York 126 $ 11,262,000 $ 89,380 $ 114,000
Kosciusko, Indiana 125 $ 4,438,000 $ 35,504 $ 53,000
Hendricks, Indiana 124 $ 5,703,000 $ 45,991 $ 56,000
DuPage, Illinois 123 $ 7,643,000 $ 62,138 $ 102,000
Arapahoe, Colorado 122 $ 6,378,000 $ 52,278 $ 115,000
Genesee, Michigan 121 $ 5,117,000 $ 42,289 $ 54,000
Denver, Colorado 119 $ 6,299,000 $ 52,932 $ 98,000
San Francisco, California 117 $ 14,202,000 $ 121,384 $ 227,000
San Bernardino, California 116 $ 6,320,000 $ 54,482 $ 98,000
Washington, Indiana 116 $ 4,665,000 $ 40,215 $ 53,000
Huron, Ohio 115 $ 5,687,000 $ 49,452 $ 44,000
Snohomish, Washington 114 $ 5,009,000 $ 43,938 $ 82,000
Jefferson, Colorado 113 $ 5,413,000 $ 47,902 $ 80,000
Kane, Illinois 113 $ 4,951,000 $ 43,814 $ 67,000
Clackamas, Oregon 113 $ 6,421,000 $ 56,823 $ 92,000
Wood, Ohio 111 $ 4,236,000 $ 38,162 $ 55,000
Oldham, Kentucky 110 $ 6,661,000 $ 60,554 $ 78,000
Bullitt, Kentucky 109 $ 5,228,000 $ 47,963 $ 62,000
Clare, Michigan 108 $ 4,941,000 $ 45,750 $ 42,000
Plymouth, Massachusetts 107 $ 7,070,000 $ 66,074 $ 103,000
Douglas, Colorado 106 $ 5,813,000 $ 54,839 $ 106,000
Macon, Illinois 105 $ 2,945,000 $ 28,047 $ 46,000
Suffolk, Massachusetts 105 $ 6,404,000 $ 60,990 $ 101,000
Coshocton, Ohio 105 $ 6,721,000 $ 64,009 $ 33,000
Erie, Ohio 105 $ 5,152,000 $ 49,066 $ 51,000
Washington, Oregon 104 $ 4,901,000 $ 47,125 $ 86,000
Knox, Kentucky 102 $ 4,318,000 $ 42,333 $ 43,000
Arlington, Virginia 102 $ 6,000,000 $ 58,823 $ 127,000
Delaware, Pennsylvania 101 $ 3,918,000 $ 38,792 $ 89,000
Alexandria, Virginia 101 $ 5,183,000 $ 51,316 $ 99,000
Hancock, Indiana 100 $ 6,584,000 $ 65,840 $ 85,000
Howard, Indiana 99 $ 4,682,000 $ 47,292 $ 64,000
Middlesex, New Jersey 99 $ 4,185,000 $ 42,272 $ 98,000
Clark, Washington 99 $ 4,680,000 $ 47,272 $ 83,000
St. Mary's, Maryland 98 $ 4,553,000 $ 46,459 $ 95,000
Gladwin, Michigan 97 $ 4,217,000 $ 43,474 $ 45,000
Hamilton, Ohio 97 $ 4,396,000 $ 45,319 $ 72,000
Jefferson, Pennsylvania 97 $ 4,702,000 $ 48,474 $ 47,000
Jessamine, Kentucky 96 $ 7,155,000 $ 74,531 $ 78,000
Charles, Maryland 96 $ 5,485,000 $ 57,135 $ 98,000
Wake, North Carolina 96 $ 3,826,000 $ 39,854 $ 93,000
Johnson, Indiana 95 $ 4,228,000 $ 44,505 $ 100,000
Chesapeake, Virginia 94 $ 3,515,000 $ 37,393 $ 90,000
Geauga, Ohio 92 $ 7,040,000 $ 76,521 $ 89,000
Perry, Ohio 92 $ 4,296,000 $ 46,695 $ 49,000
Miami, Ohio 91 $ 3,991,000 $ 43,857 $ 67,000
Armstrong, Pennsylvania 91 $ 5,680,000 $ 62,417 $ 56,000
Norfolk, Virginia 91 $ 2,726,000 $ 29,956 $ 82,000
Madison, Kentucky 90 $ 5,298,000 $ 58,866 $ 55,000
Greenup, Kentucky 89 $ 4,496,000 $ 50,516 $ 47,000
Worcester, Massachusetts 89 $ 4,055,000 $ 45,561 $ 95,000
Mason, Michigan 89 $ 4,333,000 $ 48,685 $ 49,000
Lehigh, Pennsylvania 89 $ 3,593,000 $ 40,370 $ 90,000
Butler, Ohio 88 $ 3,817,000 $ 43,375 $ 72,000
Calhoun, Michigan 87 $ 3,241,000 $ 37,252 $ 51,000
Suffolk, New York 87 $ 6,223,000 $ 71,528 $ 144,000
Shelby, Indiana 86 $ 4,893,000 $ 56,895 $ 48,000
Ogemaw, Michigan 85 $ 5,216,000 $ 61,364 $ 50,000
Carroll, Ohio 85 $ 4,353,000 $ 51,211 $ 59,000
Marion, Ohio 85 $ 3,713,000 $ 43,682 $ 54,000
Van Buren, Michigan 84 $ 4,550,000 $ 54,166 $ 56,000
Clark, Nevada 84 $ 4,926,000 $ 58,642 $ 177,000
Calvert, Maryland 83 $ 4,560,000 $ 54,939 $ 100,000
Henrico, Virginia 83 $ 2,932,000 $ 35,325 $ 89,000
LaPorte, Indiana 82 $ 3,563,000 $ 43,451 $ 54,000
Fairfield, Connecticut 81 $ 6,374,000 $ 78,691 $ 128,000
Ross, Ohio 81 $ 3,838,000 $ 47,382 $ 46,000
Spokane, Washington 81 $ 1,889,000 $ 23,320 $ 70,000
Boulder, Colorado 80 $ 4,682,000 $ 58,525 $ 95,000
Jefferson, Ohio 80 $ 3,254,000 $ 40,675 $ 55,000
Cobb, Georgia 79 $ 3,466,000 $ 43,873 $ 102,000
Montgomery, Indiana 79 $ 2,722,000 $ 34,455 $ 48,000
Isabella, Michigan 79 $ 3,270,000 $ 41,392 $ 51,000
Ashland, Ohio 79 $ 3,324,000 $ 42,075 $ 50,000
Warren, Ohio 79 $ 3,351,000 $ 42,417 $ 90,000
McHenry, Illinois 78 $ 3,035,000 $ 38,910 $ 86,000
St. Louis, Missouri 78 $ 4,172,000 $ 53,487 $ 83,000
McKean, Pennsylvania 78 $ 3,768,000 $ 48,307 $ 43,000
Cheboygan, Michigan 77 $ 3,472,000 $ 45,090 $ 58,000
Cumberland, Pennsylvania 77 $ 2,922,000 $ 37,948 $ 106,000
San Mateo, California 76 $ 8,069,000 $ 106,171 $ 164,000
Miami-Dade, Florida 76 $ 5,269,000 $ 69,328 $ 101,000
Miami, Indiana 76 $ 3,920,000 $ 51,578 $ 49,000
Belmont, Ohio 76 $ 3,674,000 $ 48,342 $ 47,000
Gwinnett, Georgia 74 $ 2,859,000 $ 38,635 $ 91,000
Boone, Illinois 74 $ 3,407,000 $ 46,040 $ 54,000
Manistee, Michigan 74 $ 5,307,000 $ 71,716 $ 67,000
Knox, Tennessee 74 $ 2,223,000 $ 30,040 $ 103,000
Harris, Texas 74 $ 2,834,000 $ 38,297 $ 138,000
Eaton, Michigan 73 $ 3,583,000 $ 49,082 $ 54,000
Cass, Indiana 72 $ 3,672,000 $ 51,000 $ 40,000
Berks, Pennsylvania 72 $ 2,211,000 $ 30,708 $ 67,000
Pierce, Washington 72 $ 3,541,000 $ 49,180 $ 94,000
Essex, Massachusetts 71 $ 4,021,000 $ 56,633 $ 104,000
Hennepin, Minnesota 71 $ 3,751,000 $ 52,830 $ 91,000
Jackson, Missouri 71 $ 1,977,000 $ 27,845 $ 76,000
Hartford, Connecticut 70 $ 2,692,000 $ 38,457 $ 102,000
Johnson, Kansas 70 $ 2,792,000 $ 39,885 $ 106,000
Boyle, Kentucky 70 $ 3,975,000 $ 56,785 $ 36,000
Madison, Ohio 69 $ 3,576,000 $ 51,826 $ 55,000
Carroll, Maryland 68 $ 2,918,000 $ 42,911 $ 86,000
Iosco, Michigan 68 $ 3,171,000 $ 46,632 $ 52,000
Travis, Texas 68 $ 3,001,000 $ 44,132 $ 140,000
Broward, Florida 67 $ 4,494,000 $ 67,074 $ 103,000
Harford, Maryland 66 $ 2,588,000 $ 39,212 $ 83,000
Chautauqua, New York 64 $ 4,424,000 $ 69,125 $ 79,000
Dauphin, Pennsylvania 64 $ 1,554,000 $ 24,281 $ 84,000
Dallas, Texas 64 $ 2,818,000 $ 44,031 $ 105,000
San Joaquin, California 63 $ 3,387,000 $ 53,761 $ 102,000
Hillsborough, Florida 63 $ 1,944,000 $ 30,857 $ 70,000
Whitley, Indiana 63 $ 4,366,000 $ 69,301 $ 66,000
Chesterfield, Virginia 63 $ 2,260,000 $ 35,873 $ 88,000
Bartholomew, Indiana 62 $ 2,732,000 $ 44,064 $ 48,000
Kings, New York 62 $ 5,973,000 $ 96,338 $ 118,000
Stafford, Virginia 62 $ 3,003,000 $ 48,435 $ 107,000
Adams, Colorado 61 $ 2,220,000 $ 36,393 $ 75,000
Boone, Indiana 61 $ 3,086,000 $ 50,590 $ 90,000
Fulton, Georgia 60 $ 3,528,000 $ 58,800 $ 117,000
Elkhart, Indiana 60 $ 3,733,000 $ 62,216 $ 57,000
Collin, Texas 60 $ 1,980,000 $ 33,000 $ 138,000
Wells, Indiana 59 $ 2,958,000 $ 50,135 $ 76,000
Tuscola, Michigan 59 $ 3,167,000 $ 53,677 $ 58,000
Clearfield, Pennsylvania 59 $ 3,163,000 $ 53,610 $ 56,000
Northampton, Pennsylvania 59 $ 2,678,000 $ 45,389 $ 85,000
Orange, Florida 58 $ 2,587,000 $ 44,603 $ 65,000
Jackson, Ohio 58 $ 2,590,000 $ 44,655 $ 51,000
Thurston, Washington 58 $ 2,073,000 $ 35,741 $ 78,000
Fulton, Ohio 57 $ 2,153,000 $ 37,771 $ 55,000
Montmorency, Michigan 56 $ 3,322,000 $ 59,321 $ 50,000
Ventura, California 55 $ 5,373,000 $ 97,690 $ 125,000
Branch, Michigan 55 $ 2,751,000 $ 50,018 $ 48,000
Burlington, New Jersey 55 $ 2,609,000 $ 47,436 $ 99,000
Nassau, New York 55 $ 4,325,000 $ 78,636 $ 145,000
Jackson, Indiana 53 $ 1,704,000 $ 32,150 $ 44,000
Jasper, Indiana 53 $ 3,122,000 $ 58,905 $ 57,000
Ada, Idaho 52 $ 1,460,000 $ 28,076 $ 69,000
Bell, Kentucky 52 $ 2,320,000 $ 44,615 $ 47,000
Alpena, Michigan 52 $ 2,914,000 $ 56,038 $ 54,000
Tuscarawas, Ohio 52 $ 2,165,000 $ 41,634 $ 46,000
Chippewa, Michigan 51 $ 2,667,000 $ 52,294 $ 35,000
Kitsap, Washington 51 $ 2,621,000 $ 51,392 $ 93,000
Palm Beach, Florida 50 $ 4,274,000 $ 85,480 $ 121,000
Rock Island, Illinois 50 $ 2,019,000 $ 40,380 $ 43,000
Huntington, Indiana 50 $ 2,285,000 $ 45,700 $ 51,000
Woodford, Kentucky 50 $ 2,667,000 $ 53,340 $ 84,000
Hocking, Ohio 50 $ 1,732,000 $ 34,640 $ 43,000
Indiana, Pennsylvania 50 $ 2,368,000 $ 47,360 $ 46,000
Knox, Ohio 49 $ 1,940,000 $ 39,591 $ 51,000
New Castle, Delaware 48 $ 1,316,000 $ 27,416 $ 95,000
Nelson, Kentucky 48 $ 2,142,000 $ 44,625 $ 48,000
Mecklenburg, North Carolina 47 $ 1,442,000 $ 30,680 $ 80,000
Franklin, Pennsylvania 47 $ 1,031,000 $ 21,936 $ 67,000
Roanoke, Virginia 47 $ 1,196,000 $ 25,446 $ 67,000
Solano, California 46 $ 2,886,000 $ 62,739 $ 119,000
Bristol, Massachusetts 46 $ 2,148,000 $ 46,695 $ 92,000
Houghton, Michigan 46 $ 2,674,000 $ 58,130 $ 64,000
Menominee, Michigan 46 $ 2,038,000 $ 44,304 $ 46,000
Harrison, Ohio 46 $ 2,102,000 $ 45,695 $ 41,000
St. Clair, Michigan 45 $ 2,851,000 $ 63,355 $ 67,000
Pickaway, Ohio 45 $ 1,936,000 $ 43,022 $ 53,000
Weld, Colorado 44 $ 1,445,000 $ 32,840 $ 118,000
DeKalb, Georgia 44 $ 2,265,000 $ 51,477 $ 90,000
Tipton, Indiana 44 $ 2,882,000 $ 65,500 $ 51,000
Midland, Michigan 44 $ 2,151,000 $ 48,886 $ 75,000
Ocean, New Jersey 44 $ 2,454,000 $ 55,772 $ 84,000
Ottawa, Ohio 44 $ 1,828,000 $ 41,545 $ 56,000
Grand Traverse, Michigan 43 $ 2,738,000 $ 63,674 $ 87,000
Shiawassee, Michigan 43 $ 2,057,000 $ 47,837 $ 44,000
St. Charles, Missouri 43 $ 1,721,000 $ 40,023 $ 72,000
Union, Ohio 43 $ 1,815,000 $ 42,209 $ 59,000
Washington, Maryland 42 $ 1,214,000 $ 28,904 $ 77,000
El Paso, Colorado 40 $ 1,493,000 $ 37,325 $ 73,000
Whitley, Kentucky 40 $ 2,851,000 $ 71,275 $ 48,000
Barry, Michigan 40 $ 2,012,000 $ 50,300 $ 58,000
Seneca, Ohio 40 $ 1,477,000 $ 36,925 $ 42,000
New Haven, Connecticut 39 $ 1,641,000 $ 42,076 $ 97,000
Harrison, Indiana 39 $ 2,391,000 $ 61,307 $ 55,000
Clay, Missouri 39 $ 1,218,000 $ 31,230 $ 71,000
Bergen, New Jersey 39 $ 3,197,000 $ 81,974 $ 140,000
Clinton, Ohio 39 $ 1,915,000 $ 49,102 $ 61,000
Monroe, Pennsylvania 39 $ 1,612,000 $ 41,333 $ 74,000
Ashtabula, Ohio 38 $ 1,913,000 $ 50,342 $ 52,000
Kendall, Illinois 37 $ 1,482,000 $ 40,054 $ 76,000
Emmet, Michigan 37 $ 2,110,000 $ 57,027 $ 54,000
Oceana, Michigan 37 $ 1,770,000 $ 47,837 $ 45,000
Salt Lake, Utah 37 $ 2,072,000 $ 56,000 $ 94,000
Suffolk, Virginia 37 $ 1,456,000 $ 39,351 $ 79,000
Collier, Florida 36 $ 8,409,000 $ 233,583 $ 139,000
Morgan, Indiana 36 $ 1,997,000 $ 55,472 $ 77,000
Caddo, Louisiana 36 $ 1,085,000 $ 30,138 $ 76,000
Jefferson, Missouri 36 $ 1,420,000 $ 39,444 $ 56,000
Monmouth, New Jersey 36 $ 1,484,000 $ 41,222 $ 98,000
Richmond City, Virginia 36 $ 1,318,000 $ 36,611 $ 89,000
Yakima, Washington 36 $ 801,000 $ 22,250 $ 64,000
Bernalillo, New Mexico 35 $ 964,000 $ 27,542 $ 79,000
Hanover, Virginia 35 $ 1,170,000 $ 33,428 $ 84,000
Monongalia, West Virginia 35 $ 1,732,000 $ 49,485 $ 51,000
DeKalb, Illinois 34 $ 1,651,000 $ 48,558 $ 64,000
Putnam, Indiana 34 $ 1,464,000 $ 43,058 $ 50,000
Clinton, Michigan 34 $ 1,439,000 $ 42,323 $ 73,000
Somerset, New Jersey 34 $ 1,640,000 $ 48,235 $ 107,000
Santa Cruz, California 33 $ 3,138,000 $ 95,090 $ 133,000
Cherokee, Georgia 33 $ 1,237,000 $ 37,484 $ 101,000
Anoka, Minnesota 33 $ 1,755,000 $ 53,181 $ 73,000
Champaign, Ohio 33 $ 1,802,000 $ 54,606 $ 48,000
Denton, Texas 33 $ 1,273,000 $ 38,575 $ 86,000
Monroe, Indiana 32 $ 1,187,000 $ 37,093 $ 73,000
Garrard, Kentucky 32 $ 2,010,000 $ 62,812 $ 46,000
Union, New Jersey 32 $ 1,524,000 $ 47,625 $ 106,000
New Hanover, North Carolina 32 $ 816,000 $ 25,500 $ 86,000
Tarrant, Texas 32 $ 1,042,000 $ 32,562 $ 100,000
Albemarle, Virginia 32 $ 1,470,000 $ 45,937 $ 64,000
Lincoln, Kentucky 31 $ 1,363,000 $ 43,967 $ 235,000
Guilford, North Carolina 31 $ 879,000 $ 28,354 $ 103,000
Hampton, Virginia 31 $ 731,000 $ 23,580 $ 67,000
Newport News, Virginia 31 $ 874,000 $ 28,193 $ 68,000
Cowlitz, Washington 31 $ 873,000 $ 28,161 $ 52,000
Berkeley, West Virginia 31 $ 755,000 $ 24,354 $ 84,000
Marshall, Indiana 30 $ 1,961,000 $ 65,366 $ 96,000
Noble, Indiana 30 $ 2,098,000 $ 69,933 $ 63,000
Gogebic, Michigan 30 $ 1,662,000 $ 55,400 $ 52,000
Westchester, New York 30 $ 2,621,000 $ 87,366 $ 151,000
Logan, Ohio 30 $ 865,000 $ 28,833 $ 45,000
Wayne, Ohio 30 $ 1,518,000 $ 50,600 $ 45,000
Pinal, Arizona 29 $ 774,000 $ 26,689 $ 75,000
El Dorado, California 29 $ 1,973,000 $ 68,034 $ 115,000
Pinellas, Florida 29 $ 1,478,000 $ 50,965 $ 114,000
Brown, Indiana 29 $ 1,955,000 $ 67,413 $ 57,000
St. Louis City, Missouri 29 $ 1,260,000 $ 43,448 $ 73,000
Adams, Pennsylvania 29 $ 1,093,000 $ 37,689 $ 89,000
Roanoke City, Virginia 29 $ 522,000 $ 18,000 $ 62,000
Pasco, Florida 28 $ 920,000 $ 32,857 $ 94,000
Gloucester, New Jersey 28 $ 862,000 $ 30,785 $ 76,000
Morrow, Ohio 28 $ 1,547,000 $ 55,250 $ 54,000
Richland, Ohio 28 $ 1,071,000 $ 38,250 $ 60,000
Davidson, Tennessee 28 $ 904,000 $ 32,285 $ 65,000
Placer, California 27 $ 2,150,000 $ 79,629 $ 168,000
Kent, Delaware 27 $ 851,000 $ 31,518 $ 97,000
Franklin, Kentucky 27 $ 1,407,000 $ 52,111 $ 47,000
Jackson, Kentucky 27 $ 1,335,000 $ 49,444 $ 49,000
Antrim, Michigan 27 $ 1,447,000 $ 53,592 $ 132,000
Jackson, Michigan 27 $ 928,000 $ 34,370 $ 68,000
Lebanon, Pennsylvania 27 $ 843,000 $ 31,222 $ 79,000
Woodford, Illinois 26 $ 1,048,000 $ 40,307 $ 64,000
Ripley, Indiana 26 $ 1,598,000 $ 61,461 $ 68,000
Hampden, Massachusetts 26 $ 829,000 $ 31,884 $ 67,000
Alcona, Michigan 26 $ 1,689,000 $ 64,961 $ 54,000
Montcalm, Michigan 26 $ 1,123,000 $ 43,192 $ 62,000
Washoe, Nevada 26 $ 1,697,000 $ 65,269 $ 131,000
Somerset, Pennsylvania 26 $ 1,361,000 $ 52,346 $ 84,000
Providence, Rhode Island 26 $ 1,169,000 $ 44,961 $ 80,000
Claiborne, Tennessee 26 $ 1,369,000 $ 52,653 $ 53,000
Spotsylvania, Virginia 26 $ 1,286,000 $ 49,461 $ 91,000
Sonoma, California 25 $ 1,867,000 $ 74,680 $ 121,000
Lee, Florida 25 $ 2,351,000 $ 94,040 $ 210,000
Carter, Kentucky 25 $ 1,115,000 $ 44,600 $ 51,000
Dakota, Minnesota 25 $ 1,256,000 $ 50,240 $ 93,000
Rockingham, New Hampshire 25 $ 1,454,000 $ 58,160 $ 114,000
Lane, Oregon 25 $ 772,000 $ 30,880 $ 97,000
Scott, Kentucky 24 $ 1,407,000 $ 58,625 $ 83,000
Hudson, New Jersey 24 $ 924,000 $ 38,500 $ 101,000
Clermont, Ohio 24 $ 840,000 $ 35,000 $ 65,000
Montgomery, Virginia 24 $ 596,000 $ 24,833 $ 81,000
Marin, California 23 $ 2,877,000 $ 125,086 $ 194,000
Orleans, Louisiana 23 $ 857,000 $ 37,260 $ 102,000
Dickinson, Michigan 23 $ 1,035,000 $ 45,000 $ 41,000
Essex, New Jersey 23 $ 1,106,000 $ 48,086 $ 125,000
Richmond, New York 23 $ 1,456,000 $ 63,304 $ 102,000
Fauquier, Virginia 23 $ 1,279,000 $ 55,608 $ 93,000
Coconino, Arizona 22 $ 940,000 $ 42,727 $ 81,000
Sussex, Delaware 22 $ 717,000 $ 32,590 $ 104,000
Seminole, Florida 22 $ 915,000 $ 41,590 $ 93,000
Forsyth, Georgia 22 $ 796,000 $ 36,181 $ 100,000
Porter, Indiana 22 $ 976,000 $ 44,363 $ 74,000
Harlan, Kentucky 22 $ 1,002,000 $ 45,545 $ 44,000
Presque Isle, Michigan 22 $ 1,498,000 $ 68,090 $ 57,000
Deschutes, Oregon 22 $ 772,000 $ 35,090 $ 110,000
Kent, Rhode Island 22 $ 792,000 $ 36,000 $ 99,000
Utah, Utah 22 $ 583,000 $ 26,500 $ 57,000
Larimer, Colorado 21 $ 954,000 $ 45,428 $ 75,000
Bay, Florida 21 $ 689,000 $ 32,809 $ 115,000
Morgan, Illinois 21 $ 957,000 $ 45,571 $ 59,000
Queen Anne's, Maryland 21 $ 1,031,000 $ 49,095 $ 94,000
Berrien, Michigan 21 $ 953,000 $ 45,380 $ 58,000
Lenawee, Michigan 21 $ 1,016,000 $ 48,380 $ 60,000
Mackinac, Michigan 21 $ 1,426,000 $ 67,904 $ 37,000
Ramsey, Minnesota 21 $ 902,000 $ 42,952 $ 71,000
Atlantic, New Jersey 21 $ 818,000 $ 38,952 $ 84,000
Passaic, New Jersey 21 $ 1,382,000 $ 65,809 $ 106,000
Centre, Pennsylvania 21 $ 689,000 $ 32,809 $ 80,000
Louisa, Virginia 21 $ 856,000 $ 40,761 $ 116,000
Orange, Virginia 21 $ 1,019,000 $ 48,523 $ 93,000
Portsmouth, Virginia 21 $ 561,000 $ 26,714 $ 78,000
York, Virginia 21 $ 1,112,000 $ 52,952 $ 92,000
Mohave, Arizona 20 $ 1,186,000 $ 59,300 $ 215,000
Yuba, California 20 $ 668,000 $ 33,400 $ 71,000
Hardin, Kentucky 20 $ 823,000 $ 41,150 $ 54,000
Orange, New York 20 $ 663,000 $ 33,150 $ 70,000
Fayette, Ohio 20 $ 650,000 $ 32,500 $ 33,000
Montgomery, Texas 20 $ 549,000 $ 27,450 $ 171,000
Marinette, Wisconsin 20 $ 993,000 $ 49,650 $ 38,000
New London, Connecticut 19 $ 1,033,000 $ 54,368 $ 125,000
Fayette, Georgia 19 $ 759,000 $ 39,947 $ 120,000
Clark, Kentucky 19 $ 1,294,000 $ 68,105 $ 113,000
Henry, Kentucky 19 $ 694,000 $ 36,526 $ 50,000
Spencer, Kentucky 19 $ 1,596,000 $ 84,000 $ 57,000
Morris, New Jersey 19 $ 1,563,000 $ 82,263 $ 130,000
Fluvanna, Virginia 19 $ 549,000 $ 28,894 $ 75,000
Kern, California 18 $ 973,000 $ 54,055 $ 123,000
DeKalb, Indiana 18 $ 940,000 $ 52,222 $ 65,000
Henry, Indiana 18 $ 706,000 $ 39,222 $ 57,000
Boone, Kentucky 18 $ 1,051,000 $ 58,388 $ 68,000
Leslie, Kentucky 18 $ 762,000 $ 42,333 $ 70,000
Lewis, Kentucky 18 $ 694,000 $ 38,555 $ 34,000
Jackson, Oregon 18 $ 637,000 $ 35,388 $ 81,000
Bexar, Texas 18 $ 481,000 $ 26,722 $ 156,000
Manassas, Virginia 18 $ 833,000 $ 46,277 $ 104,000
Hancock, West Virginia 18 $ 948,000 $ 52,666 $ 49,000
Jefferson, West Virginia 18 $ 644,000 $ 35,777 $ 82,000
Yavapai, Arizona 17 $ 869,000 $ 51,117 $ 105,000
Broomfield, Colorado 17 $ 672,000 $ 39,529 $ 115,000
Barnstable, Massachusetts 17 $ 1,250,000 $ 73,529 $ 134,000
Charlevoix, Michigan 17 $ 1,033,000 $ 60,764 $ 86,000
Oscoda, Michigan 17 $ 802,000 $ 47,176 $ 40,000
Roscommon, Michigan 17 $ 608,000 $ 35,764 $ 47,000
Sandusky, Ohio 17 $ 530,000 $ 31,176 $ 70,000
Williamson, Texas 17 $ 429,000 $ 25,235 $ 91,000
Shasta, California 16 $ 543,000 $ 33,937 $ 72,000
Stanislaus, California 16 $ 690,000 $ 43,125 $ 78,000
Houston, Georgia 16 $ 492,000 $ 30,750 $ 78,000
Tippecanoe, Indiana 16 $ 1,192,000 $ 74,500 $ 66,000
Trimble, Kentucky 16 $ 862,000 $ 53,875 $ 58,000
Worcester, Maryland 16 $ 603,000 $ 37,687 $ 141,000
Arenac, Michigan 16 $ 829,000 $ 51,812 $ 61,000
Cass, Michigan 16 $ 1,338,000 $ 83,625 $ 135,000
Kalkaska, Michigan 16 $ 993,000 $ 62,062 $ 59,000
Marquette, Michigan 16 $ 807,000 $ 50,437 $ 48,000
Hillsborough, New Hampshire 16 $ 552,000 $ 34,500 $ 78,000
Mercer, New Jersey 16 $ 833,000 $ 52,062 $ 105,000
Erie, New York 16 $ 710,000 $ 44,375 $ 105,000
Noble, Ohio 16 $ 632,000 $ 39,500 $ 42,000
James City, Virginia 16 $ 659,000 $ 41,187 $ 89,000
Litchfield, Connecticut 15 $ 516,000 $ 34,400 $ 67,000
Chatham, Georgia 15 $ 454,000 $ 30,266 $ 73,000
Paulding, Georgia 15 $ 442,000 $ 29,466 $ 89,000
Vermilion, Illinois 15 $ 505,000 $ 33,666 $ 53,000
Dare, North Carolina 15 $ 1,375,000 $ 91,666 $ 204,000
Pike, Ohio 15 $ 785,000 $ 52,333 $ 46,000
Preble, Ohio 15 $ 387,000 $ 25,800 $ 60,000
Forest, Pennsylvania 15 $ 1,158,000 $ 77,200 $ 124,000
Charleston, South Carolina 15 $ 960,000 $ 64,000 $ 106,000
Anderson, Tennessee 15 $ 563,000 $ 37,533 $ 55,000
Chittenden, Vermont 15 $ 604,000 $ 40,266 $ 76,000
Botetourt, Virginia 15 $ 397,000 $ 26,466 $ 84,000
Milwaukee, Wisconsin 15 $ 620,000 $ 41,333 $ 109,000
Merced, California 14 $ 720,000 $ 51,428 $ 97,000
Walton, Georgia 14 $ 486,000 $ 34,714 $ 106,000
Grundy, Illinois 14 $ 477,000 $ 34,071 $ 50,000
Ohio, Kentucky 14 $ 591,000 $ 42,214 $ 46,000
Shelby, Kentucky 14 $ 626,000 $ 44,714 $ 100,000
Ionia, Michigan 14 $ 780,000 $ 55,714 $ 47,000
Otsego, Michigan 14 $ 836,000 $ 59,714 $ 60,000
St. Joseph, Michigan 14 $ 582,000 $ 41,571 $ 55,000
Camden, New Jersey 14 $ 571,000 $ 40,785 $ 85,000
Santa Fe, New Mexico 14 $ 879,000 $ 62,785 $ 136,000
Brunswick, North Carolina 14 $ 592,000 $ 42,285 $ 175,000
Darke, Ohio 14 $ 461,000 $ 32,928 $ 51,000
Fort Bend, Texas 14 $ 399,000 $ 28,500 $ 108,000
Monterey, California 13 $ 1,101,000 $ 84,692 $ 98,000
Duval, Florida 13 $ 418,000 $ 32,153 $ 72,000
Volusia, Florida 13 $ 558,000 $ 42,923 $ 77,000
Henry, Georgia 13 $ 377,000 $ 29,000 $ 70,000
Christian, Illinois 13 $ 516,000 $ 39,692 $ 57,000
Kenton, Kentucky 13 $ 366,000 $ 28,153 $ 80,000
Mercer, Kentucky 13 $ 855,000 $ 65,769 $ 63,000
Bossier, Louisiana 13 $ 360,000 $ 27,692 $ 88,000
Bronx, New York 13 $ 863,000 $ 66,384 $ 93,000
Monroe, New York 13 $ 404,000 $ 31,076 $ 69,000
Union, North Carolina 13 $ 400,000 $ 30,769 $ 93,000
Henry, Ohio 13 $ 542,000 $ 41,692 $ 45,000
Highland, Ohio 13 $ 570,000 $ 43,846 $ 51,000
Oklahoma, Oklahoma 13 $ 374,000 $ 28,769 $ 98,000
Cambria, Pennsylvania 13 $ 1,101,000 $ 84,692 $ 67,000
Augusta, Virginia 13 $ 399,000 $ 30,692 $ 60,000
Culpeper, Virginia 13 $ 519,000 $ 39,923 $ 161,000
Island, Washington 13 $ 572,000 $ 44,000 $ 76,000
Middlesex, Connecticut 12 $ 480,000 $ 40,000 $ 111,000
Sarasota, Florida 12 $ 1,661,000 $ 138,416 $ 201,000
St. Johns, Florida 12 $ 478,000 $ 39,833 $ 82,000
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Mortgage Loan Application Detail Totals for National City Bank in 2004

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 34,380 $2,205,096,000 $62,500 $3,798,000 $97,479 $9,000,000
Home Purchase 21,544 $930,807,000 $39,560 $1,200,000 $93,940 $4,800,000
Home Improvement 8,589 $257,577,000 $44,044 $800,000 $93,511 $4,236,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 40,377 $2,042,166,000 $43,333 $800,000 $94,235 $9,000,000
Not Provided 15,935 $910,502,000 $67,977 $3,798,000 $165,818 $4,800,000
Black or African American 3,540 $155,613,000 $42,810 $500,000 $85,594 $1,080,000
Hispanic 2,306 $108,180,000 $47,358 $408,000 $80,025 $8,160,000
Asian 1,436 $89,857,000 $48,472 $475,000 $92,166 $1,023,000
American Indian or Alaskan Native 565 $25,843,000 $43,708 $325,000 $93,458 $720,000
Not applicable 225 $54,473,000 $247,789 $2,260,000 $36,315 $171,000
Native Hawaiian or Other Pacific Islander 129 $6,846,000 $45,375 $285,000 $83,250 $259,000

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) 64,456 $3,388,479,000 $48,686 $3,798,000 $93,764 $9,000,000
FHA-insured (Federal Housing Administration) 51 $4,474,000 $43,666 $178,000 $52,666 $85,000
VA-guaranteed (Veterans Administration) 6 $527,000 $87,000 $134,000 $41,000 $85,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 32,310 $1,681,769,000 $41,714 $3,798,000 $92,755 $2,044,000
Application Denied By Financial Institution 18,010 $846,316,000 $54,104 $647,000 $96,104 $8,160,000
Application Approved But Not Accepted 12,117 $688,664,000 $48,652 $900,000 $95,000 $2,447,000
Application Withdrawn By Applicant 1,005 $62,240,000 $62,000 $500,000 $184,343 $5,408,000
File Closed For Incompleteness 716 $53,522,000 $64,500 $470,000 $92,250 $9,000,000
Preapproval Denied by Financial Institution 182 $10,348,000 $56,000 $350,000 $107,000 $696,000
Loan Purchased By The Institution 173 $50,621,000 $414,428 $2,260,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 9,101 $363,816,000 $41,487 $500,000 $88,589 $8,160,000
Debt-To-Income Ratio 6,733 $378,983,000 $51,500 $545,000 $63,650 $1,800,000
Other 1,472 $80,864,000 $61,266 $647,000 $116,533 $1,011,000
Collateral 608 $22,538,000 $37,478 $415,000 $134,217 $1,500,000
Insufficient Cash (Downpayment, Closing Cost) 201 $6,068,000 $30,300 $120,000 $35,600 $362,000
Unverifiable Information 54 $3,580,000 $47,857 $350,000 $93,047 $600,000
Employment History 17 $474,000 $27,625 $70,000 $58,500 $148,000
Credit Application Incomplete 6 $341,000 $58,600 $129,000 $89,400 $154,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Bank's 2004 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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