National City Bank Mortgage Lending & HMDA Data, 2005

In 2005, National City Bank of Cleveland, OH reported 70,110 mortgage applications totaling $4.0 billion, up 9% from 2004. The average application was for $56,852, and applicants reported an average income of $83,574. 47% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Pittsburgh, PA (7,520), Cleveland-Elyria-Mentor, OH (2,811) and Columbus, OH (1,716) (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 70,110
Total Mortgage Loan Application Amount $3,985,939,000
Average Mortgage Loan Application Amount $56,852
Highest Mortgage Loan Application Amount $3,300,000
Average Applicant Income $83,574
Highest Applicant Income $5,508,000

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Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 3,597 $ 226,925,000 $ 63,087 $ 85,000
Cuyahoga, Ohio 2,088 $ 123,102,000 $ 58,956 $ 63,000
Maricopa, Arizona 1,507 $ 93,212,000 $ 61,852 $ 96,000
Westmoreland, Pennsylvania 1,291 $ 83,881,000 $ 64,973 $ 64,000
Franklin, Ohio 1,047 $ 56,056,000 $ 53,539 $ 67,000
Cook, Illinois 1,002 $ 55,773,000 $ 55,661 $ 94,000
Jefferson, Kentucky 995 $ 53,905,000 $ 54,175 $ 68,000
Wayne, Michigan 938 $ 38,968,000 $ 41,543 $ 79,000
Washington, Pennsylvania 908 $ 59,475,000 $ 65,501 $ 63,000
Marion, Indiana 874 $ 38,746,000 $ 44,331 $ 67,000
Fayette, Pennsylvania 831 $ 41,177,000 $ 49,551 $ 53,000
Los Angeles, California 791 $ 81,215,000 $ 102,673 $ 151,000
Montgomery, Ohio 737 $ 35,670,000 $ 48,398 $ 62,000
King, Washington 737 $ 51,528,000 $ 69,915 $ 110,000
Erie, Pennsylvania 579 $ 36,692,000 $ 63,371 $ 71,000
Hamilton, Ohio 567 $ 27,921,000 $ 49,243 $ 60,000
Oakland, Michigan 558 $ 30,955,000 $ 55,474 $ 81,000
Summit, Ohio 544 $ 30,381,000 $ 55,847 $ 65,000
Crawford, Pennsylvania 490 $ 30,016,000 $ 61,257 $ 50,000
Butler, Pennsylvania 486 $ 33,530,000 $ 68,991 $ 63,000
Fairfax, Virginia 460 $ 37,656,000 $ 81,860 $ 133,000
Mercer, Pennsylvania 388 $ 21,016,000 $ 54,164 $ 46,000
Warren, Pennsylvania 382 $ 19,535,000 $ 51,138 $ 61,000
Lucas, Ohio 367 $ 18,594,000 $ 50,664 $ 79,000
Montgomery, Maryland 362 $ 25,296,000 $ 69,878 $ 116,000
Allen, Indiana 344 $ 12,728,000 $ 37,000 $ 57,000
Snohomish, Washington 341 $ 18,879,000 $ 55,363 $ 100,000
Kent, Michigan 340 $ 21,439,000 $ 63,055 $ 66,000
Multnomah, Oregon 331 $ 15,227,000 $ 46,003 $ 87,000
Macomb, Michigan 328 $ 16,062,000 $ 48,969 $ 60,000
Suffolk, New York 326 $ 24,565,000 $ 75,352 $ 114,000
Beaver, Pennsylvania 320 $ 18,398,000 $ 57,493 $ 59,000
San Diego, California 317 $ 30,407,000 $ 95,921 $ 133,000
Muskegon, Michigan 308 $ 13,610,000 $ 44,188 $ 50,000
Sangamon, Illinois 303 $ 10,116,000 $ 33,386 $ 68,000
Pima, Arizona 301 $ 13,547,000 $ 45,006 $ 82,000
Santa Clara, California 301 $ 32,149,000 $ 106,807 $ 153,000
Washington, Oregon 297 $ 14,578,000 $ 49,084 $ 94,000
Pierce, Washington 296 $ 16,668,000 $ 56,310 $ 99,000
Kalamazoo, Michigan 294 $ 18,670,000 $ 63,503 $ 70,000
McLean, Illinois 289 $ 9,219,000 $ 31,899 $ 78,000
Trumbull, Ohio 289 $ 16,471,000 $ 56,993 $ 47,000
Prince George's, Maryland 284 $ 15,772,000 $ 55,535 $ 101,000
Orange, California 279 $ 30,162,000 $ 108,107 $ 171,000
Baltimore, Maryland 277 $ 11,939,000 $ 43,101 $ 84,000
Alameda, California 271 $ 26,452,000 $ 97,608 $ 154,000
Mahoning, Ohio 267 $ 17,216,000 $ 64,479 $ 67,000
St. Louis, Missouri 259 $ 14,587,000 $ 56,320 $ 105,000
Madison, Indiana 251 $ 12,525,000 $ 49,900 $ 49,000
Clark, Washington 250 $ 12,579,000 $ 50,316 $ 89,000
Anne Arundel, Maryland 242 $ 13,217,000 $ 54,615 $ 117,000
Contra Costa, California 241 $ 22,998,000 $ 95,427 $ 162,000
Venango, Pennsylvania 241 $ 10,446,000 $ 43,344 $ 42,000
Middlesex, Massachusetts 240 $ 15,362,000 $ 64,008 $ 120,000
Clark, Ohio 238 $ 9,504,000 $ 39,932 $ 52,000
Stark, Ohio 230 $ 12,659,000 $ 55,039 $ 60,000
Will, Illinois 228 $ 10,965,000 $ 48,092 $ 87,000
Sacramento, California 226 $ 15,942,000 $ 70,539 $ 102,000
Fayette, Kentucky 224 $ 13,288,000 $ 59,321 $ 64,000
Hennepin, Minnesota 223 $ 13,563,000 $ 60,820 $ 101,000
Riverside, California 216 $ 18,160,000 $ 84,074 $ 119,000
Lake, Ohio 213 $ 12,622,000 $ 59,258 $ 64,000
Lorain, Ohio 213 $ 11,061,000 $ 51,929 $ 67,000
Nassau, New York 212 $ 16,602,000 $ 78,311 $ 120,000
District of Columbia, District Of Columbia 209 $ 15,631,000 $ 74,789 $ 166,000
Montgomery, Pennsylvania 205 $ 9,879,000 $ 48,190 $ 107,000
Jefferson, Colorado 202 $ 10,939,000 $ 54,153 $ 92,000
Broward, Florida 202 $ 17,162,000 $ 84,960 $ 147,000
Medina, Ohio 200 $ 10,973,000 $ 54,865 $ 76,000
Peoria, Illinois 199 $ 6,017,000 $ 30,236 $ 56,000
Salt Lake, Utah 197 $ 7,985,000 $ 40,532 $ 82,000
Mecklenburg, North Carolina 196 $ 8,109,000 $ 41,372 $ 90,000
Lawrence, Ohio 195 $ 9,247,000 $ 47,420 $ 42,000
Hamilton, Indiana 189 $ 13,328,000 $ 70,518 $ 108,000
Clarion, Pennsylvania 189 $ 11,048,000 $ 58,455 $ 56,000
Fairfield, Connecticut 188 $ 14,994,000 $ 79,755 $ 113,000
Lake, Illinois 187 $ 10,673,000 $ 57,074 $ 98,000
Monroe, Michigan 186 $ 11,158,000 $ 59,989 $ 66,000
Licking, Ohio 184 $ 8,146,000 $ 44,271 $ 56,000
Clark, Nevada 183 $ 12,463,000 $ 68,103 $ 104,000
Clackamas, Oregon 182 $ 10,347,000 $ 56,851 $ 102,000
Lake, Indiana 180 $ 7,793,000 $ 43,294 $ 70,000
Ottawa, Michigan 179 $ 11,315,000 $ 63,212 $ 85,000
Virginia Beach, Virginia 178 $ 7,942,000 $ 44,617 $ 96,000
Washtenaw, Michigan 177 $ 11,576,000 $ 65,401 $ 81,000
Lawrence, Pennsylvania 177 $ 9,080,000 $ 51,299 $ 54,000
Allegan, Michigan 175 $ 11,677,000 $ 66,725 $ 61,000
Livingston, Michigan 175 $ 12,313,000 $ 70,360 $ 80,000
Guernsey, Ohio 174 $ 7,349,000 $ 42,235 $ 53,000
Loudoun, Virginia 174 $ 15,183,000 $ 87,258 $ 154,000
Saginaw, Michigan 168 $ 7,540,000 $ 44,880 $ 62,000
Denver, Colorado 167 $ 8,725,000 $ 52,245 $ 109,000
Lapeer, Michigan 166 $ 7,252,000 $ 43,686 $ 52,000
Warren, Ohio 165 $ 10,602,000 $ 64,254 $ 87,000
Chester, Pennsylvania 162 $ 8,452,000 $ 52,172 $ 101,000
DuPage, Illinois 159 $ 9,191,000 $ 57,805 $ 104,000
Scioto, Ohio 158 $ 7,718,000 $ 48,848 $ 51,000
Ingham, Michigan 156 $ 10,197,000 $ 65,365 $ 72,000
Queens, New York 156 $ 14,551,000 $ 93,275 $ 105,000
Delaware, Ohio 156 $ 9,911,000 $ 63,532 $ 87,000
Prince William, Virginia 156 $ 11,258,000 $ 72,166 $ 123,000
Norfolk, Massachusetts 155 $ 10,391,000 $ 67,038 $ 99,000
Wake, North Carolina 155 $ 5,988,000 $ 38,632 $ 91,000
Fairfield, Ohio 153 $ 6,499,000 $ 42,477 $ 61,000
Wayne, Ohio 153 $ 6,305,000 $ 41,209 $ 43,000
Miami-Dade, Florida 152 $ 14,119,000 $ 92,888 $ 170,000
Orange, Florida 152 $ 9,026,000 $ 59,381 $ 91,000
Lancaster, Pennsylvania 152 $ 4,637,000 $ 30,506 $ 70,000
San Francisco, California 148 $ 19,944,000 $ 134,756 $ 194,000
Champaign, Illinois 148 $ 4,669,000 $ 31,547 $ 65,000
Middlesex, New Jersey 148 $ 10,018,000 $ 67,689 $ 140,000
Elk, Pennsylvania 148 $ 9,473,000 $ 64,006 $ 71,000
Bucks, Pennsylvania 146 $ 7,567,000 $ 51,828 $ 126,000
Tazewell, Illinois 145 $ 4,768,000 $ 32,882 $ 70,000
Boyd, Kentucky 144 $ 6,595,000 $ 45,798 $ 52,000
Genesee, Michigan 144 $ 5,423,000 $ 37,659 $ 68,000
Greene, Pennsylvania 144 $ 6,349,000 $ 44,090 $ 46,000
Clay, Kentucky 142 $ 4,931,000 $ 34,725 $ 45,000
Greene, Ohio 142 $ 9,619,000 $ 67,739 $ 74,000
Muskingum, Ohio 142 $ 7,007,000 $ 49,345 $ 43,000
St. Joseph, Indiana 141 $ 6,966,000 $ 49,404 $ 86,000
Laurel, Kentucky 141 $ 6,450,000 $ 45,744 $ 38,000
Bergen, New Jersey 141 $ 13,760,000 $ 97,588 $ 135,000
Travis, Texas 140 $ 6,003,000 $ 42,878 $ 144,000
Palm Beach, Florida 139 $ 10,136,000 $ 72,920 $ 117,000
Kane, Illinois 139 $ 4,711,000 $ 33,892 $ 81,000
Winnebago, Illinois 139 $ 3,974,000 $ 28,589 $ 56,000
Portage, Ohio 139 $ 6,348,000 $ 45,669 $ 51,000
San Bernardino, California 138 $ 10,666,000 $ 77,289 $ 117,000
Worcester, Massachusetts 136 $ 7,418,000 $ 54,544 $ 113,000
Fulton, Georgia 135 $ 7,425,000 $ 55,000 $ 111,000
Baltimore City, Maryland 134 $ 4,639,000 $ 34,619 $ 118,000
Douglas, Colorado 133 $ 8,478,000 $ 63,744 $ 98,000
Arapahoe, Colorado 132 $ 6,537,000 $ 49,522 $ 96,000
Solano, California 131 $ 9,665,000 $ 73,778 $ 100,000
Boulder, Colorado 131 $ 7,261,000 $ 55,427 $ 95,000
Hendricks, Indiana 131 $ 7,405,000 $ 56,526 $ 74,000
Bay, Michigan 131 $ 7,910,000 $ 60,381 $ 83,000
York, Pennsylvania 130 $ 5,439,000 $ 41,838 $ 79,000
Butler, Ohio 129 $ 6,080,000 $ 47,131 $ 102,000
Hartford, Connecticut 128 $ 6,561,000 $ 51,257 $ 93,000
Johnson, Kansas 128 $ 5,627,000 $ 43,960 $ 88,000
Kankakee, Illinois 127 $ 3,215,000 $ 25,314 $ 57,000
St. Charles, Missouri 127 $ 5,070,000 $ 39,921 $ 71,000
Floyd, Indiana 125 $ 6,046,000 $ 48,368 $ 65,000
Kosciusko, Indiana 125 $ 4,799,000 $ 38,392 $ 44,000
Spokane, Washington 125 $ 4,140,000 $ 33,120 $ 74,000
Suffolk, Massachusetts 123 $ 8,388,000 $ 68,195 $ 128,000
Dallas, Texas 122 $ 5,956,000 $ 48,819 $ 139,000
New Haven, Connecticut 121 $ 6,367,000 $ 52,619 $ 98,000
Miami, Ohio 121 $ 5,674,000 $ 46,892 $ 73,000
Frederick, Maryland 120 $ 6,672,000 $ 55,600 $ 101,000
Ocean, New Jersey 120 $ 6,994,000 $ 58,283 $ 135,000
Collin, Texas 120 $ 5,089,000 $ 42,408 $ 142,000
Philadelphia, Pennsylvania 117 $ 4,720,000 $ 40,341 $ 69,000
Hillsborough, Florida 116 $ 6,324,000 $ 54,517 $ 116,000
Warren, Kentucky 116 $ 5,141,000 $ 44,318 $ 72,000
Monmouth, New Jersey 116 $ 8,880,000 $ 76,551 $ 144,000
Cobb, Georgia 113 $ 5,355,000 $ 47,389 $ 100,000
Wood, Ohio 113 $ 4,735,000 $ 41,902 $ 63,000
Essex, Massachusetts 112 $ 7,657,000 $ 68,366 $ 102,000
Daviess, Kentucky 111 $ 5,039,000 $ 45,396 $ 55,000
Anoka, Minnesota 111 $ 5,230,000 $ 47,117 $ 72,000
Huron, Ohio 110 $ 5,358,000 $ 48,709 $ 52,000
Milwaukee, Wisconsin 109 $ 4,797,000 $ 44,009 $ 92,000
Howard, Maryland 108 $ 7,830,000 $ 72,500 $ 157,000
Plymouth, Massachusetts 108 $ 6,608,000 $ 61,185 $ 113,000
Jackson, Missouri 108 $ 4,083,000 $ 37,805 $ 86,000
Bristol, Massachusetts 106 $ 5,492,000 $ 51,811 $ 81,000
Hancock, Indiana 105 $ 7,789,000 $ 74,180 $ 71,000
New Castle, Delaware 104 $ 4,872,000 $ 46,846 $ 100,000
Burlington, New Jersey 104 $ 5,899,000 $ 56,721 $ 121,000
Kings, New York 101 $ 11,164,000 $ 110,534 $ 138,000
St. Louis City, Missouri 100 $ 3,355,000 $ 33,550 $ 76,000
Ventura, California 99 $ 8,546,000 $ 86,323 $ 123,000
Gwinnett, Georgia 99 $ 3,876,000 $ 39,151 $ 90,000
Ross, Ohio 99 $ 3,400,000 $ 34,343 $ 67,000
Jefferson, Missouri 98 $ 3,573,000 $ 36,459 $ 65,000
Oldham, Kentucky 97 $ 7,123,000 $ 73,432 $ 77,000
Geauga, Ohio 97 $ 7,791,000 $ 80,319 $ 88,000
Delaware, Pennsylvania 97 $ 4,386,000 $ 45,216 $ 101,000
San Mateo, California 96 $ 12,700,000 $ 132,291 $ 196,000
Johnson, Indiana 96 $ 5,178,000 $ 53,937 $ 66,000
Columbiana, Ohio 96 $ 4,999,000 $ 52,072 $ 52,000
Pinal, Arizona 95 $ 3,761,000 $ 39,589 $ 70,000
Harris, Texas 95 $ 3,460,000 $ 36,421 $ 111,000
Harford, Maryland 94 $ 4,084,000 $ 43,446 $ 95,000
Clark, Indiana 93 $ 5,286,000 $ 56,838 $ 67,000
Van Buren, Michigan 93 $ 5,492,000 $ 59,053 $ 59,000
Perry, Ohio 91 $ 4,232,000 $ 46,505 $ 41,000
Tarrant, Texas 91 $ 3,233,000 $ 35,527 $ 280,000
Chesterfield, Virginia 91 $ 3,859,000 $ 42,406 $ 102,000
Calhoun, Michigan 90 $ 4,091,000 $ 45,455 $ 53,000
LaPorte, Indiana 88 $ 4,170,000 $ 47,386 $ 61,000
Knox, Kentucky 88 $ 3,838,000 $ 43,613 $ 47,000
Erie, New York 88 $ 3,268,000 $ 37,136 $ 84,000
Boone, Illinois 87 $ 3,647,000 $ 41,919 $ 58,000
Washington, Indiana 87 $ 4,000,000 $ 45,977 $ 51,000
Clermont, Ohio 87 $ 3,399,000 $ 39,068 $ 79,000
Armstrong, Pennsylvania 87 $ 5,444,000 $ 62,574 $ 68,000
Pinellas, Florida 86 $ 5,156,000 $ 59,953 $ 68,000
DeKalb, Georgia 86 $ 3,369,000 $ 39,174 $ 113,000
Bullitt, Kentucky 86 $ 4,857,000 $ 56,476 $ 56,000
Eaton, Michigan 86 $ 5,552,000 $ 64,558 $ 93,000
McHenry, Illinois 85 $ 3,760,000 $ 44,235 $ 94,000
Belmont, Ohio 85 $ 2,950,000 $ 34,705 $ 45,000
Jefferson, Pennsylvania 85 $ 4,644,000 $ 54,635 $ 47,000
Chesapeake, Virginia 85 $ 3,955,000 $ 46,529 $ 105,000
Jennings, Indiana 84 $ 4,361,000 $ 51,916 $ 50,000
Kitsap, Washington 83 $ 4,902,000 $ 59,060 $ 90,000
Ada, Idaho 82 $ 3,025,000 $ 36,890 $ 82,000
Camden, New Jersey 82 $ 4,002,000 $ 48,804 $ 83,000
Somerset, New Jersey 82 $ 5,861,000 $ 71,475 $ 136,000
Utah, Utah 82 $ 3,410,000 $ 41,585 $ 65,000
Henrico, Virginia 82 $ 3,521,000 $ 42,939 $ 110,000
Westchester, New York 81 $ 7,547,000 $ 93,172 $ 148,000
Coshocton, Ohio 81 $ 4,606,000 $ 56,864 $ 52,000
Alexandria, Virginia 81 $ 6,051,000 $ 74,703 $ 171,000
El Paso, Colorado 80 $ 3,357,000 $ 41,962 $ 83,000
Dakota, Minnesota 80 $ 4,044,000 $ 50,550 $ 81,000
Denton, Texas 80 $ 3,339,000 $ 41,737 $ 177,000
St. Mary's, Maryland 79 $ 4,000,000 $ 50,632 $ 113,000
Ramsey, Minnesota 79 $ 4,473,000 $ 56,620 $ 86,000
Essex, New Jersey 78 $ 4,980,000 $ 63,846 $ 147,000
Dauphin, Pennsylvania 78 $ 2,560,000 $ 32,820 $ 79,000
Washoe, Nevada 77 $ 5,090,000 $ 66,103 $ 100,000
Gloucester, New Jersey 77 $ 3,604,000 $ 46,805 $ 104,000
Marion, Ohio 77 $ 3,594,000 $ 46,675 $ 50,000
Adams, Colorado 76 $ 3,315,000 $ 43,618 $ 79,000
Charles, Maryland 75 $ 4,522,000 $ 60,293 $ 104,000
Jefferson, Ohio 75 $ 2,998,000 $ 39,973 $ 63,000
Montgomery, Indiana 74 $ 2,960,000 $ 40,000 $ 85,000
Clearfield, Pennsylvania 74 $ 3,953,000 $ 53,418 $ 56,000
Waukesha, Wisconsin 73 $ 3,356,000 $ 45,972 $ 86,000
Duval, Florida 72 $ 3,123,000 $ 43,375 $ 84,000
Carroll, Maryland 72 $ 3,813,000 $ 52,958 $ 110,000
Erie, Ohio 72 $ 3,567,000 $ 49,541 $ 63,000
Madison, Kentucky 71 $ 5,559,000 $ 78,295 $ 67,000
Ogemaw, Michigan 70 $ 4,220,000 $ 60,285 $ 42,000
Lane, Oregon 70 $ 3,290,000 $ 47,000 $ 69,000
Isabella, Michigan 69 $ 3,461,000 $ 50,159 $ 60,000
Morris, New Jersey 69 $ 4,980,000 $ 72,173 $ 114,000
Carroll, Ohio 69 $ 4,006,000 $ 58,057 $ 55,000
Dane, Wisconsin 69 $ 3,081,000 $ 44,652 $ 79,000
Orange, New York 68 $ 3,513,000 $ 51,661 $ 84,000
Norfolk, Virginia 68 $ 2,726,000 $ 40,088 $ 83,000
Larimer, Colorado 67 $ 2,886,000 $ 43,074 $ 87,000
Jessamine, Kentucky 66 $ 4,091,000 $ 61,984 $ 57,000
Clare, Michigan 66 $ 2,925,000 $ 44,318 $ 43,000
Union, New Jersey 66 $ 4,602,000 $ 69,727 $ 110,000
Thurston, Washington 66 $ 2,909,000 $ 44,075 $ 107,000
Sonoma, California 65 $ 5,741,000 $ 88,323 $ 136,000
Lee, Florida 65 $ 7,713,000 $ 118,661 $ 139,000
Campbell, Kentucky 65 $ 3,088,000 $ 47,507 $ 94,000
Providence, Rhode Island 65 $ 2,885,000 $ 44,384 $ 85,000
Williamson, Texas 65 $ 1,884,000 $ 28,984 $ 101,000
Arlington, Virginia 65 $ 4,863,000 $ 74,815 $ 122,000
Stafford, Virginia 65 $ 4,316,000 $ 66,400 $ 106,000
Macon, Illinois 64 $ 2,144,000 $ 33,500 $ 78,000
Iosco, Michigan 64 $ 3,253,000 $ 50,828 $ 46,000
Wells, Indiana 63 $ 3,188,000 $ 50,603 $ 55,000
Boyle, Kentucky 63 $ 3,607,000 $ 57,253 $ 50,000
Howard, Indiana 62 $ 2,469,000 $ 39,822 $ 61,000
Mason, Michigan 62 $ 3,041,000 $ 49,048 $ 50,000
Pickaway, Ohio 62 $ 2,609,000 $ 42,080 $ 66,000
Cumberland, Pennsylvania 62 $ 2,183,000 $ 35,209 $ 105,000
Tulsa, Oklahoma 61 $ 2,757,000 $ 45,196 $ 81,000
Weld, Colorado 60 $ 2,399,000 $ 39,983 $ 82,000
Cheboygan, Michigan 60 $ 3,500,000 $ 58,333 $ 72,000
Jackson, Michigan 60 $ 3,651,000 $ 60,850 $ 62,000
Richmond, New York 60 $ 3,767,000 $ 62,783 $ 102,000
Atlantic, New Jersey 58 $ 3,259,000 $ 56,189 $ 97,000
Cowlitz, Washington 58 $ 2,040,000 $ 35,172 $ 85,000
Branch, Michigan 57 $ 3,427,000 $ 60,122 $ 49,000
Porter, Indiana 56 $ 2,033,000 $ 36,303 $ 64,000
Shelby, Indiana 56 $ 2,579,000 $ 46,053 $ 43,000
Greenup, Kentucky 56 $ 3,335,000 $ 59,553 $ 78,000
Chippewa, Michigan 56 $ 2,814,000 $ 50,250 $ 57,000
Fulton, Ohio 56 $ 2,493,000 $ 44,517 $ 46,000
McKean, Pennsylvania 56 $ 2,606,000 $ 46,535 $ 50,000
Placer, California 55 $ 5,787,000 $ 105,218 $ 174,000
Washington, Minnesota 55 $ 2,934,000 $ 53,345 $ 90,000
Passaic, New Jersey 55 $ 4,283,000 $ 77,872 $ 216,000
San Joaquin, California 54 $ 6,120,000 $ 113,333 $ 165,000
Seminole, Florida 54 $ 3,149,000 $ 58,314 $ 135,000
Montmorency, Michigan 54 $ 2,821,000 $ 52,240 $ 50,000
Oklahoma, Oklahoma 54 $ 2,186,000 $ 40,481 $ 80,000
Brevard, Florida 53 $ 3,534,000 $ 66,679 $ 65,000
Chautauqua, New York 53 $ 3,133,000 $ 59,113 $ 67,000
Harrison, Ohio 53 $ 2,315,000 $ 43,679 $ 50,000
Guilford, North Carolina 52 $ 2,156,000 $ 41,461 $ 84,000
Marin, California 51 $ 6,550,000 $ 128,431 $ 197,000
Huntington, Indiana 51 $ 2,678,000 $ 52,509 $ 55,000
Jefferson, Indiana 51 $ 2,675,000 $ 52,450 $ 62,000
New Hanover, North Carolina 51 $ 1,538,000 $ 30,156 $ 61,000
Madison, Ohio 51 $ 1,851,000 $ 36,294 $ 43,000
Berks, Pennsylvania 51 $ 1,832,000 $ 35,921 $ 90,000
Lehigh, Pennsylvania 51 $ 2,896,000 $ 56,784 $ 136,000
Greenville, South Carolina 51 $ 1,546,000 $ 30,313 $ 72,000
Rock Island, Illinois 50 $ 1,330,000 $ 26,600 $ 68,000
Barry, Michigan 50 $ 3,219,000 $ 64,380 $ 76,000
Shiawassee, Michigan 50 $ 2,386,000 $ 47,720 $ 60,000
Union, North Carolina 50 $ 1,944,000 $ 38,880 $ 81,000
Elkhart, Indiana 49 $ 3,677,000 $ 75,040 $ 132,000
Ashland, Ohio 49 $ 2,101,000 $ 42,877 $ 46,000
Middlesex, Connecticut 48 $ 2,360,000 $ 49,166 $ 90,000
Pasco, Florida 48 $ 2,196,000 $ 45,750 $ 101,000
Mercer, New Jersey 48 $ 3,432,000 $ 71,500 $ 155,000
Monroe, Pennsylvania 48 $ 1,937,000 $ 40,354 $ 102,000
Logan, Ohio 47 $ 2,538,000 $ 54,000 $ 54,000
Whitley, Kentucky 46 $ 1,882,000 $ 40,913 $ 40,000
Union, Ohio 46 $ 2,753,000 $ 59,847 $ 78,000
Bartholomew, Indiana 45 $ 1,793,000 $ 39,844 $ 59,000
Whitley, Indiana 45 $ 3,049,000 $ 67,755 $ 59,000
Manistee, Michigan 45 $ 1,775,000 $ 39,444 $ 47,000
Hudson, New Jersey 45 $ 3,235,000 $ 71,888 $ 148,000
Hocking, Ohio 45 $ 1,768,000 $ 39,288 $ 47,000
Deschutes, Oregon 45 $ 2,883,000 $ 64,066 $ 138,000
Marion, Oregon 45 $ 2,074,000 $ 46,088 $ 79,000
Sarasota, Florida 44 $ 5,024,000 $ 114,181 $ 141,000
Gladwin, Michigan 44 $ 2,171,000 $ 49,340 $ 41,000
Davis, Utah 44 $ 2,509,000 $ 57,022 $ 92,000
Mohave, Arizona 43 $ 2,364,000 $ 54,976 $ 94,000
Litchfield, Connecticut 43 $ 2,073,000 $ 48,209 $ 83,000
St. Clair, Michigan 43 $ 2,124,000 $ 49,395 $ 54,000
Boone, Indiana 42 $ 3,421,000 $ 81,452 $ 113,000
Cass, Indiana 42 $ 1,604,000 $ 38,190 $ 68,000
Tuscola, Michigan 42 $ 1,875,000 $ 44,642 $ 48,000
Knox, Ohio 42 $ 1,954,000 $ 46,523 $ 48,000
Knox, Tennessee 42 $ 1,261,000 $ 30,023 $ 76,000
Clinton, Michigan 41 $ 2,424,000 $ 59,121 $ 76,000
Clay, Missouri 41 $ 1,355,000 $ 33,048 $ 78,000
Franklin, Missouri 41 $ 2,017,000 $ 49,195 $ 51,000
Northampton, Pennsylvania 41 $ 1,591,000 $ 38,804 $ 83,000
Stanislaus, California 40 $ 2,524,000 $ 63,100 $ 99,000
Jasper, Indiana 40 $ 2,634,000 $ 65,850 $ 65,000
Washington, Maryland 40 $ 1,797,000 $ 44,925 $ 107,000
Rockingham, New Hampshire 40 $ 2,827,000 $ 70,675 $ 108,000
Dutchess, New York 40 $ 2,414,000 $ 60,350 $ 97,000
Saratoga, New York 40 $ 2,152,000 $ 53,800 $ 86,000
Cherokee, Georgia 39 $ 1,407,000 $ 36,076 $ 65,000
Bell, Kentucky 39 $ 1,493,000 $ 38,282 $ 59,000
Boone, Kentucky 39 $ 1,788,000 $ 45,846 $ 65,000
Franklin, Kentucky 39 $ 2,476,000 $ 63,487 $ 70,000
Grand Traverse, Michigan 39 $ 2,032,000 $ 52,102 $ 51,000
Jackson, Oregon 39 $ 3,142,000 $ 80,564 $ 99,000
Yavapai, Arizona 38 $ 2,569,000 $ 67,605 $ 86,000
Kern, California 38 $ 2,453,000 $ 64,552 $ 119,000
Collier, Florida 38 $ 7,636,000 $ 200,947 $ 120,000
Lake, Florida 38 $ 1,755,000 $ 46,184 $ 81,000
Kendall, Illinois 38 $ 1,311,000 $ 34,500 $ 68,000
Nelson, Kentucky 38 $ 1,588,000 $ 41,789 $ 47,000
Emmet, Michigan 38 $ 4,080,000 $ 107,368 $ 83,000
Sussex, New Jersey 38 $ 2,836,000 $ 74,631 $ 114,000
Spotsylvania, Virginia 38 $ 1,666,000 $ 43,842 $ 85,000
Miami, Indiana 37 $ 1,918,000 $ 51,837 $ 44,000
Scott, Minnesota 37 $ 2,320,000 $ 62,702 $ 94,000
Ottawa, Ohio 37 $ 2,245,000 $ 60,675 $ 60,000
Jackson, Ohio 36 $ 1,624,000 $ 45,111 $ 55,000
Roanoke, Virginia 36 $ 1,158,000 $ 32,166 $ 88,000
Whatcom, Washington 36 $ 2,401,000 $ 66,694 $ 87,000
Berkeley, West Virginia 36 $ 1,385,000 $ 38,472 $ 87,000
Alpena, Michigan 35 $ 2,087,000 $ 59,628 $ 63,000
Montgomery, Texas 35 $ 1,339,000 $ 38,257 $ 92,000
Suffolk, Virginia 35 $ 1,732,000 $ 49,485 $ 89,000
Kenosha, Wisconsin 35 $ 1,303,000 $ 37,228 $ 85,000
Albany, New York 34 $ 1,720,000 $ 50,588 $ 90,000
Tuscarawas, Ohio 34 $ 1,623,000 $ 47,735 $ 68,000
Lebanon, Pennsylvania 34 $ 1,062,000 $ 31,235 $ 72,000
Albemarle, Virginia 34 $ 2,140,000 $ 62,941 $ 120,000
Fauquier, Virginia 34 $ 2,820,000 $ 82,941 $ 170,000
New London, Connecticut 33 $ 1,607,000 $ 48,696 $ 89,000
Kenton, Kentucky 33 $ 1,437,000 $ 43,545 $ 65,000
Caddo, Louisiana 33 $ 899,000 $ 27,242 $ 69,000
Calvert, Maryland 33 $ 2,128,000 $ 64,484 $ 92,000
Putnam, Indiana 32 $ 1,722,000 $ 53,812 $ 66,000
Hampden, Massachusetts 32 $ 1,146,000 $ 35,812 $ 144,000
Sherburne, Minnesota 32 $ 1,883,000 $ 58,843 $ 80,000
Bernalillo, New Mexico 32 $ 1,879,000 $ 58,718 $ 154,000
Champaign, Ohio 32 $ 1,928,000 $ 60,250 $ 50,000
Monongalia, West Virginia 32 $ 1,659,000 $ 51,843 $ 52,000
El Dorado, California 31 $ 3,560,000 $ 114,838 $ 164,000
Forsyth, Georgia 31 $ 2,234,000 $ 72,064 $ 150,000
Bronx, New York 31 $ 2,639,000 $ 85,129 $ 114,000
Monroe, New York 31 $ 1,265,000 $ 40,806 $ 81,000
Rockland, New York 31 $ 2,396,000 $ 77,290 $ 109,000
Richland, Ohio 31 $ 1,569,000 $ 50,612 $ 54,000
Charleston, South Carolina 31 $ 1,687,000 $ 54,419 $ 95,000
Jackson, Indiana 30 $ 840,000 $ 28,000 $ 50,000
Alcona, Michigan 30 $ 1,634,000 $ 54,466 $ 110,000
Midland, Michigan 30 $ 1,482,000 $ 49,400 $ 83,000
Gallatin, Montana 30 $ 1,235,000 $ 41,166 $ 53,000
Hillsborough, New Hampshire 30 $ 1,498,000 $ 49,933 $ 92,000
Cleveland, Oklahoma 30 $ 970,000 $ 32,333 $ 71,000
Brown, Wisconsin 30 $ 1,213,000 $ 40,433 $ 69,000
Santa Cruz, California 29 $ 3,086,000 $ 106,413 $ 198,000
Kent, Delaware 29 $ 1,382,000 $ 47,655 $ 90,000
Henry, Georgia 29 $ 1,168,000 $ 40,275 $ 94,000
Marshall, Indiana 29 $ 1,684,000 $ 58,068 $ 73,000
Morgan, Indiana 29 $ 1,259,000 $ 43,413 $ 60,000
Noble, Indiana 29 $ 2,162,000 $ 74,551 $ 66,000
Shawnee, Kansas 29 $ 1,118,000 $ 38,551 $ 79,000
York, Maine 29 $ 1,727,000 $ 59,551 $ 110,000
Wright, Minnesota 29 $ 2,125,000 $ 73,275 $ 100,000
Iredell, North Carolina 29 $ 1,717,000 $ 59,206 $ 93,000
Davidson, Tennessee 29 $ 951,000 $ 32,793 $ 86,000
Newport News, Virginia 29 $ 1,287,000 $ 44,379 $ 79,000
Harrison, Indiana 28 $ 1,300,000 $ 46,428 $ 72,000
St. Louis, Minnesota 28 $ 1,101,000 $ 39,321 $ 62,000
Cass, Missouri 28 $ 1,129,000 $ 40,321 $ 68,000
Cape May, New Jersey 28 $ 2,203,000 $ 78,678 $ 200,000
Durham, North Carolina 28 $ 1,298,000 $ 46,357 $ 81,000
Broomfield, Colorado 27 $ 1,383,000 $ 51,222 $ 100,000
Sedgwick, Kansas 27 $ 840,000 $ 31,111 $ 76,000
Lincoln, Kentucky 27 $ 1,627,000 $ 60,259 $ 41,000
Oceana, Michigan 27 $ 1,745,000 $ 64,629 $ 49,000
Hunterdon, New Jersey 27 $ 2,774,000 $ 102,740 $ 180,000
Onondaga, New York 27 $ 1,042,000 $ 38,592 $ 62,000
Forsyth, North Carolina 27 $ 1,256,000 $ 46,518 $ 64,000
Ashtabula, Ohio 27 $ 1,385,000 $ 51,296 $ 49,000
Clinton, Ohio 27 $ 1,111,000 $ 41,148 $ 54,000
Jefferson, West Virginia 27 $ 1,546,000 $ 57,259 $ 103,000
Coconino, Arizona 26 $ 1,687,000 $ 64,884 $ 95,000
Fresno, California 26 $ 2,125,000 $ 81,730 $ 108,000
Woodford, Illinois 26 $ 1,062,000 $ 40,846 $ 52,000
Montcalm, Michigan 26 $ 1,115,000 $ 42,884 $ 45,000
Brunswick, North Carolina 26 $ 2,425,000 $ 93,269 $ 75,000
Frederick, Virginia 26 $ 1,324,000 $ 50,923 $ 84,000
Hanover, Virginia 26 $ 1,107,000 $ 42,576 $ 86,000
Richmond City, Virginia 26 $ 982,000 $ 37,769 $ 123,000
Okaloosa, Florida 25 $ 1,366,000 $ 54,640 $ 135,000
St. Lucie, Florida 25 $ 1,418,000 $ 56,720 $ 76,000
Fayette, Georgia 25 $ 1,053,000 $ 42,120 $ 129,000
Garrard, Kentucky 25 $ 1,457,000 $ 58,280 $ 59,000
Yuma, Arizona 24 $ 1,284,000 $ 53,500 $ 74,000
Sussex, Delaware 24 $ 1,061,000 $ 44,208 $ 159,000
Volusia, Florida 24 $ 1,630,000 $ 67,916 $ 92,000
Canyon, Idaho 24 $ 842,000 $ 35,083 $ 74,000
Lewis, Kentucky 24 $ 1,590,000 $ 66,250 $ 47,000
Woodford, Kentucky 24 $ 1,652,000 $ 68,833 $ 95,000
Barnstable, Massachusetts 24 $ 1,802,000 $ 75,083 $ 189,000
Kent, Rhode Island 24 $ 1,112,000 $ 46,333 $ 92,000
Yakima, Washington 24 $ 781,000 $ 32,541 $ 72,000
Yolo, California 23 $ 1,714,000 $ 74,521 $ 134,000
Brown, Indiana 23 $ 1,040,000 $ 45,217 $ 52,000
Cecil, Maryland 23 $ 1,121,000 $ 48,739 $ 78,000
Queen Anne's, Maryland 23 $ 1,672,000 $ 72,695 $ 116,000
Carver, Minnesota 23 $ 1,495,000 $ 65,000 $ 136,000
Schenectady, New York 23 $ 593,000 $ 25,782 $ 86,000
Buncombe, North Carolina 23 $ 1,227,000 $ 53,347 $ 136,000
Cabarrus, North Carolina 23 $ 1,173,000 $ 51,000 $ 82,000
Holmes, Ohio 23 $ 1,235,000 $ 53,695 $ 52,000
Indiana, Pennsylvania 23 $ 1,406,000 $ 61,130 $ 53,000
Tolland, Connecticut 22 $ 1,069,000 $ 48,590 $ 93,000
Platte, Missouri 22 $ 794,000 $ 36,090 $ 99,000
Rensselaer, New York 22 $ 871,000 $ 39,590 $ 93,000
Ulster, New York 22 $ 1,071,000 $ 48,681 $ 100,000
Sandusky, Ohio 22 $ 780,000 $ 35,454 $ 94,000
Yamhill, Oregon 22 $ 1,206,000 $ 54,818 $ 99,000
Fort Bend, Texas 22 $ 643,000 $ 29,227 $ 112,000
Washington, Wisconsin 22 $ 846,000 $ 38,454 $ 82,000
Cochise, Arizona 21 $ 995,000 $ 47,380 $ 65,000
Charlotte, Florida 21 $ 1,626,000 $ 77,428 $ 93,000
Manatee, Florida 21 $ 2,978,000 $ 141,809 $ 96,000
Polk, Florida 21 $ 801,000 $ 38,142 $ 77,000
Paulding, Georgia 21 $ 813,000 $ 38,714 $ 87,000
Henry, Ohio 21 $ 426,000 $ 20,285 $ 48,000
Linn, Oregon 21 $ 1,099,000 $ 52,333 $ 69,000
Franklin, Pennsylvania 21 $ 624,000 $ 29,714 $ 64,000
Bexar, Texas 21 $ 585,000 $ 27,857 $ 139,000
Botetourt, Virginia 21 $ 707,000 $ 33,666 $ 84,000
Outagamie, Wisconsin 21 $ 652,000 $ 31,047 $ 78,000
Santa Rosa, Florida 20 $ 1,494,000 $ 74,700 $ 236,000
Berrien, Michigan 20 $ 1,076,000 $ 53,800 $ 80,000
Otsego, Michigan 20 $ 1,400,000 $ 70,000 $ 77,000
New York, New York 20 $ 3,150,000 $ 157,500 $ 341,000
Putnam, New York 20 $ 1,399,000 $ 69,950 $ 145,000
Columbia, Oregon 20 $ 677,000 $ 33,850 $ 106,000
Washington, Rhode Island 20 $ 1,294,000 $ 64,700 $ 127,000
Monterey, California 19 $ 2,525,000 $ 132,894 $ 179,000
San Luis Obispo, California 19 $ 2,245,000 $ 118,157 $ 177,000
Worcester, Maryland 19 $ 586,000 $ 30,842 $ 116,000
Warren, New Jersey 19 $ 1,206,000 $ 63,473 $ 111,000
Seneca, Ohio 19 $ 914,000 $ 48,105 $ 48,000
Adams, Pennsylvania 19 $ 837,000 $ 44,052 $ 81,000
Washington, Utah 19 $ 980,000 $ 51,578 $ 62,000
Chittenden, Vermont 19 $ 940,000 $ 49,473 $ 98,000
York, Virginia 19 $ 973,000 $ 51,210 $ 111,000
Island, Washington 19 $ 1,071,000 $ 56,368 $ 92,000
Shasta, California 18 $ 1,164,000 $ 64,666 $ 89,000
Garfield, Colorado 18 $ 1,106,000 $ 61,444 $ 70,000
Escambia, Florida 18 $ 723,000 $ 40,166 $ 79,000
DeKalb, Illinois 18 $ 735,000 $ 40,833 $ 77,000
Clark, Kentucky 18 $ 644,000 $ 35,777 $ 51,000
Henry, Kentucky 18 $ 975,000 $ 54,166 $ 42,000
Orleans, Louisiana 18 $ 548,000 $ 30,444 $ 96,000
Presque Isle, Michigan 18 $ 918,000 $ 51,000 $ 83,000
Chisago, Minnesota 18 $ 883,000 $ 49,055 $ 64,000
Flathead, Montana 18 $ 1,107,000 $ 61,500 $ 69,000
Preble, Ohio 18 $ 876,000 $ 48,666 $ 67,000
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Mortgage Loan Application Detail Totals for National City Bank in 2005

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 37,061 $2,546,004,000 $58,812 $3,300,000 $89,000 $3,120,000
Home Purchase 19,530 $900,809,000 $47,100 $2,000,000 $106,380 $5,508,000
Home Improvement 13,519 $539,126,000 $55,130 $1,100,000 $88,326 $1,572,000

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 44,098 $2,395,136,000 $49,580 $1,000,000 $97,740 $3,103,000
Not Provided 17,481 $1,018,498,000 $54,600 $968,000 $90,040 $2,198,000
Black or African American 3,288 $151,424,000 $48,315 $625,000 $95,763 $5,508,000
Hispanic 2,457 $130,751,000 $47,846 $500,000 $89,102 $1,572,000
Asian 1,767 $131,123,000 $57,761 $610,000 $113,738 $1,416,000
American Indian or Alaskan Native 555 $29,145,000 $52,540 $385,000 $83,162 $3,120,000
Not applicable 311 $119,873,000 $751,882 $3,300,000 $8,882 $303,000
Native Hawaiian or Other Pacific Islander 153 $9,989,000 $56,038 $337,000 $97,730 $492,000

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) 70,109 $3,985,769,000 $52,784 $3,300,000 $91,725 $5,508,000
VA-guaranteed (Veterans Administration) 1 $170,000 $170,000 $170,000 $50,000 $50,000
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

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 33,232 $1,819,502,000 $49,591 $1,000,000 $103,122 $5,508,000
Application Denied By Financial Institution 18,713 $957,685,000 $51,918 $780,000 $84,816 $3,103,000
Application Approved But Not Accepted 14,371 $857,723,000 $54,187 $700,000 $99,354 $1,570,000
Application Withdrawn By Applicant 2,587 $164,017,000 $93,923 $800,000 $120,884 $1,572,000
File Closed For Incompleteness 863 $70,386,000 $90,741 $760,000 $129,580 $1,500,000
Loan Purchased By The Institution 284 $114,049,000 $728,600 $3,300,000 $0 $0
Preapproval Denied by Financial Institution 60 $2,577,000 $39,400 $110,000 $78,550 $210,000
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 8,249 $343,727,000 $44,520 $750,000 $86,500 $3,103,000
Debt-To-Income Ratio 6,527 $389,745,000 $56,500 $625,000 $70,854 $1,000,000
Other 2,987 $183,556,000 $54,840 $780,000 $98,040 $2,029,000
Collateral 618 $27,156,000 $48,684 $309,000 $82,947 $750,000
Insufficient Cash (Downpayment, Closing Cost) 198 $4,557,000 $24,600 $155,000 $37,600 $2,160,000
Employment History 69 $3,649,000 $53,535 $259,000 $53,464 $287,000
Credit Application Incomplete 65 $4,559,000 $63,280 $359,000 $70,480 $276,000
Unverifiable Information 59 $3,259,000 $47,571 $305,000 $113,380 $420,000
Mortgage Insurance Denied 1 $54,000 $54,000 $54,000 $195,000 $195,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Bank's 2005 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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