National City Bank Mortgage Lending & HMDA Data, 2008
In 2008, National City Bank of Cleveland, OH reported 140,759 mortgage applications totaling $25.7 billion, down 63% from 2007. The average application was for $182,650, and applicants reported an average income of $84,486. 66% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (10,468), Washington-Arlington-Alexandria, DC-VA-MD-WV (5,125) and Pittsburgh, PA (4,415) (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 | 140,759 |
| Total Mortgage Loan Application Amount | $25,709,709,000 |
| Average Mortgage Loan Application Amount | $182,650 |
| Highest Mortgage Loan Application Amount | $6,090,000 |
| Average Applicant Income | $84,486 |
| Highest Applicant Income | $7,007,000 |
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Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 10,468 | $ 2,330,917,000 | $ 222,670 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5,125 | $ 1,513,327,000 | $ 295,283 | $ 107,704 |
| Pittsburgh, PA | 4,415 | $ 456,404,000 | $ 103,375 | $ 82,000 |
| Baltimore-Towson, MD | 4,061 | $ 968,943,000 | $ 238,597 | $ 91,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3,355 | $ 721,276,000 | $ 214,985 | $ 66,048 |
| Columbus, OH | 3,109 | $ 462,647,000 | $ 148,808 | $ 83,000 |
| Cincinnati-Middletown, OH-KY-IN | 2,950 | $ 394,986,000 | $ 133,893 | $ 77,046 |
| Cleveland-Elyria-Mentor, OH | 2,795 | $ 321,787,000 | $ 115,129 | $ 79,000 |
| Dayton, OH | 2,485 | $ 286,119,000 | $ 115,138 | $ 66,000 |
| Philadelphia, PA | 2,334 | $ 447,321,000 | $ 191,654 | $ 84,000 |
| Indianapolis-Carmel, IN | 2,314 | $ 278,728,000 | $ 120,452 | $ 70,000 |
| Warren-Troy-Farmington Hills, MI | 2,087 | $ 347,168,000 | $ 166,347 | $ 96,000 |
| St. Louis, MO-IL | 1,851 | $ 313,240,000 | $ 169,227 | $ 85,106 |
| Peoria, IL | 1,765 | $ 220,076,000 | $ 124,688 | $ 72,000 |
| Louisville-Jefferson County, KY-IN | 1,698 | $ 209,061,000 | $ 123,121 | $ 77,863 |
| Richmond, VA | 1,621 | $ 319,845,000 | $ 197,313 | $ 82,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,559 | $ 336,039,000 | $ 215,547 | $ 104,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1,545 | $ 487,849,000 | $ 315,759 | $ 120,000 |
| Tacoma, WA | 1,490 | $ 362,418,000 | $ 243,233 | $ 65,000 |
| Riverside-San Bernardino-Ontario, CA | 1,473 | $ 378,584,000 | $ 257,015 | $ 98,000 |
| Dallas-Plano-Irving, TX | 1,444 | $ 291,349,000 | $ 201,765 | $ 129,000 |
| Detroit-Livonia-Dearborn, MI | 1,410 | $ 171,183,000 | $ 121,406 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,308 | $ 231,595,000 | $ 177,060 | $ 72,000 |
| Bloomington-Normal, IL | 1,304 | $ 185,301,000 | $ 142,101 | $ 75,000 |
| Toledo, OH | 1,112 | $ 137,485,000 | $ 123,637 | $ 76,000 |
| Kansas City, MO-KS | 1,069 | $ 178,792,000 | $ 167,251 | $ 84,568 |
| Providence-New Bedford-Fall River, RI-MA | 1,056 | $ 223,986,000 | $ 212,107 | $ 77,897 |
| Edison-New Brunswick, NJ | 1,036 | $ 281,507,000 | $ 271,724 | $ 113,000 |
| Stockton, CA | 996 | $ 212,955,000 | $ 213,810 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 966 | $ 325,466,000 | $ 336,921 | $ 108,000 |
| Houston-Sugar Land-Baytown, TX | 965 | $ 158,440,000 | $ 164,186 | $ 95,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 954 | $ 172,230,000 | $ 180,534 | $ 104,000 |
| Spokane, WA | 945 | $ 171,110,000 | $ 181,068 | $ 70,000 |
| San Diego-Carlsbad-San Marcos, CA | 929 | $ 288,494,000 | $ 310,542 | $ 117,000 |
| Roanoke, VA | 925 | $ 158,758,000 | $ 171,630 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 914 | $ 210,965,000 | $ 230,815 | $ 72,978 |
| New York-White Plains-Wayne, NY-NJ | 909 | $ 308,338,000 | $ 339,205 | $ 130,503 |
| Lake County-Kenosha County, IL-WI | 886 | $ 185,343,000 | $ 209,190 | $ 100,586 |
| Orlando-Kissimmee, FL | 871 | $ 160,140,000 | $ 183,857 | $ 76,000 |
| Seattle-Bellevue-Everett, WA | 858 | $ 240,237,000 | $ 279,996 | $ 82,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 848 | $ 198,112,000 | $ 233,622 | $ 88,000 |
| Port St. Lucie, FL | 796 | $ 103,330,000 | $ 129,811 | $ 77,000 |
| Akron, OH | 795 | $ 94,143,000 | $ 118,418 | $ 74,000 |
| Denver-Aurora, CO | 738 | $ 144,637,000 | $ 195,985 | $ 69,000 |
| Springfield, IL | 733 | $ 71,551,000 | $ 97,613 | $ 67,000 |
| Newark-Union, NJ-PA | 719 | $ 198,346,000 | $ 275,863 | $ 112,596 |
| Milwaukee-Waukesha-West Allis, WI | 695 | $ 110,847,000 | $ 159,492 | $ 81,000 |
| York-Hanover, PA | 694 | $ 115,555,000 | $ 166,505 | $ 65,000 |
| Youngstown-Warren-Boardman, OH-PA | 691 | $ 63,135,000 | $ 91,367 | $ 71,808 |
| Austin-Round Rock, TX | 682 | $ 148,164,000 | $ 217,249 | $ 124,000 |
| Shreveport-Bossier City, LA | 656 | $ 100,295,000 | $ 152,888 | $ 71,000 |
| Boston-Quincy, MA | 650 | $ 169,555,000 | $ 260,853 | $ 96,000 |
| Raleigh-Cary, NC | 627 | $ 119,039,000 | $ 189,854 | $ 79,000 |
| Nassau-Suffolk, NY | 623 | $ 195,869,000 | $ 314,396 | $ 111,000 |
| Fort Worth-Arlington, TX | 604 | $ 107,191,000 | $ 177,468 | $ 94,000 |
| Longview, WA | 604 | $ 113,553,000 | $ 188,001 | $ 60,000 |
| Camden, NJ | 602 | $ 119,251,000 | $ 198,091 | $ 85,000 |
| Charleston-North Charleston-Summerville, SC | 571 | $ 102,840,000 | $ 180,105 | $ 66,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 570 | $ 114,966,000 | $ 201,694 | $ 88,119 |
| Olympia, WA | 569 | $ 131,965,000 | $ 231,924 | $ 60,000 |
| Rockford, IL | 558 | $ 67,267,000 | $ 120,550 | $ 60,000 |
| Gary, IN | 556 | $ 74,113,000 | $ 133,296 | $ 69,000 |
| Salt Lake City, UT | 555 | $ 116,268,000 | $ 209,491 | $ 76,000 |
| Tucson, AZ | 542 | $ 101,134,000 | $ 186,594 | $ 79,000 |
| Decatur, IL | 525 | $ 45,079,000 | $ 85,864 | $ 55,000 |
| Fort Wayne, IN | 525 | $ 51,035,000 | $ 97,209 | $ 71,000 |
| Lexington-Fayette, KY | 510 | $ 72,319,000 | $ 141,801 | $ 84,000 |
| Boise City-Nampa, ID | 508 | $ 89,380,000 | $ 175,944 | $ 73,000 |
| Kalamazoo-Portage, MI | 508 | $ 70,437,000 | $ 138,655 | $ 81,000 |
| Canton-Massillon, OH | 499 | $ 51,420,000 | $ 103,046 | $ 63,000 |
| Harrisburg-Carlisle, PA | 486 | $ 78,728,000 | $ 161,991 | $ 70,000 |
| Springfield, MA | 480 | $ 84,040,000 | $ 175,083 | $ 61,000 |
| Grand Rapids-Wyoming, MI | 468 | $ 61,356,000 | $ 131,102 | $ 74,000 |
| Lansing-East Lansing, MI | 463 | $ 61,080,000 | $ 131,922 | $ 73,000 |
| Champaign-Urbana, IL | 462 | $ 60,194,000 | $ 130,290 | $ 75,000 |
| Oakland-Fremont-Hayward, CA | 436 | $ 141,715,000 | $ 325,034 | $ 111,000 |
| Santa Ana-Anaheim-Irvine, CA | 434 | $ 161,019,000 | $ 371,011 | $ 133,000 |
| Oklahoma City, OK | 430 | $ 56,983,000 | $ 132,518 | $ 71,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 422 | $ 80,684,000 | $ 191,194 | $ 77,331 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 409 | $ 85,724,000 | $ 209,594 | $ 129,000 |
| Charlotte-Gastonia-Concord, NC-SC | 408 | $ 71,158,000 | $ 174,406 | $ 82,186 |
| Huntington-Ashland, WV-KY-OH | 405 | $ 31,619,000 | $ 78,071 | $ 59,965 |
| Springfield, OH | 396 | $ 38,012,000 | $ 95,989 | $ 58,000 |
| Palm Bay-Melbourne-Titusville, FL | 389 | $ 51,512,000 | $ 132,421 | $ 73,000 |
| Ann Arbor, MI | 351 | $ 65,080,000 | $ 185,413 | $ 101,000 |
| Cambridge-Newton-Framingham, MA | 350 | $ 98,341,000 | $ 280,974 | $ 105,000 |
| Jacksonville, FL | 349 | $ 60,331,000 | $ 172,868 | $ 77,000 |
| New Haven-Milford, CT | 344 | $ 60,398,000 | $ 175,575 | $ 70,000 |
| Bremerton-Silverdale, WA | 340 | $ 78,705,000 | $ 231,485 | $ 46,000 |
| Las Vegas-Paradise, NV | 328 | $ 73,476,000 | $ 224,012 | $ 128,000 |
| Bridgeport-Stamford-Norwalk, CT | 324 | $ 94,507,000 | $ 291,688 | $ 108,000 |
| Muskegon-Norton Shores, MI | 320 | $ 29,507,000 | $ 92,209 | $ 59,000 |
| Holland-Grand Haven, MI | 302 | $ 44,337,000 | $ 146,811 | $ 79,000 |
| Anderson, IN | 300 | $ 24,142,000 | $ 80,473 | $ 52,000 |
| Yakima, WA | 293 | $ 56,186,000 | $ 191,761 | $ 73,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 292 | $ 30,401,000 | $ 104,113 | $ 67,000 |
| Sebastian-Vero Beach, FL | 291 | $ 42,611,000 | $ 146,429 | $ 71,000 |
| Worcester, MA | 290 | $ 63,617,000 | $ 219,368 | $ 72,000 |
| Erie, PA | 289 | $ 29,830,000 | $ 103,217 | $ 75,000 |
| Knoxville, TN | 286 | $ 48,888,000 | $ 170,937 | $ 85,000 |
| Kankakee-Bradley, IL | 272 | $ 36,249,000 | $ 133,268 | $ 71,000 |
| Charlottesville, VA | 261 | $ 58,723,000 | $ 224,992 | $ 90,000 |
| Hagerstown-Martinsburg, MD-WV | 256 | $ 49,410,000 | $ 193,007 | $ 64,570 |
| Greenville-Mauldin-Easley, SC | 253 | $ 34,873,000 | $ 137,837 | $ 59,000 |
| South Bend-Mishawaka, IN-MI | 251 | $ 31,073,000 | $ 123,796 | $ 72,605 |
| Miami-Miami Beach-Kendall, FL | 238 | $ 54,834,000 | $ 230,394 | $ 151,000 |
| Wilmington, NC | 236 | $ 44,671,000 | $ 189,283 | $ 101,000 |
| Owensboro, KY | 231 | $ 23,466,000 | $ 101,584 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 229 | $ 41,770,000 | $ 182,401 | $ 88,000 |
| Lewiston, ID-WA | 224 | $ 38,322,000 | $ 171,080 | $ 59,750 |
| Pensacola-Ferry Pass-Brent, FL | 224 | $ 33,066,000 | $ 147,616 | $ 62,000 |
| Albuquerque, NM | 213 | $ 36,119,000 | $ 169,572 | $ 59,000 |
| San Antonio, TX | 206 | $ 33,701,000 | $ 163,597 | $ 78,000 |
| Lancaster, PA | 201 | $ 33,452,000 | $ 166,427 | $ 58,000 |
| Wilmington, DE-MD-NJ | 195 | $ 40,566,000 | $ 208,030 | $ 82,338 |
| Reno-Sparks, NV | 194 | $ 37,924,000 | $ 195,484 | $ 265,000 |
| Ogden-Clearfield, UT | 193 | $ 39,144,000 | $ 202,818 | $ 68,000 |
| Bowling Green, KY | 189 | $ 20,240,000 | $ 107,089 | $ 60,000 |
| Greensboro-High Point, NC | 183 | $ 26,679,000 | $ 145,786 | $ 63,000 |
| New Orleans-Metairie-Kenner, LA | 180 | $ 39,153,000 | $ 217,516 | $ 103,000 |
| Memphis, TN-MS-AR | 173 | $ 23,831,000 | $ 137,751 | $ 55,352 |
| Elkhart-Goshen, IN | 170 | $ 19,913,000 | $ 117,135 | $ 70,000 |
| Eugene-Springfield, OR | 170 | $ 33,824,000 | $ 198,964 | $ 84,000 |
| Fort Collins-Loveland, CO | 169 | $ 32,533,000 | $ 192,502 | $ 72,000 |
| Monroe, MI | 162 | $ 19,914,000 | $ 122,925 | $ 73,000 |
| Lebanon, PA | 161 | $ 26,210,000 | $ 162,795 | $ 75,000 |
| Sandusky, OH | 160 | $ 16,493,000 | $ 103,081 | $ 76,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 157 | $ 33,571,000 | $ 213,828 | $ 139,000 |
| Wheeling, WV-OH | 154 | $ 14,918,000 | $ 96,870 | $ 63,129 |
| Flint, MI | 153 | $ 14,099,000 | $ 92,150 | $ 52,000 |
| Michigan City-La Porte, IN | 152 | $ 17,709,000 | $ 116,506 | $ 77,000 |
| Salem, OR | 152 | $ 28,625,000 | $ 188,322 | $ 56,000 |
| Bend, OR | 149 | $ 37,491,000 | $ 251,617 | $ 89,000 |
| Colorado Springs, CO | 148 | $ 27,565,000 | $ 186,250 | $ 60,000 |
| Pittsfield, MA | 147 | $ 23,532,000 | $ 160,081 | $ 61,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 144 | $ 25,197,000 | $ 174,979 | $ 82,000 |
| Saginaw-Saginaw Township North, MI | 139 | $ 11,043,000 | $ 79,446 | $ 56,000 |
| Hartford-West Hartford-East Hartford, CT | 138 | $ 28,363,000 | $ 205,528 | $ 90,000 |
| Manchester-Nashua, NH | 134 | $ 28,054,000 | $ 209,358 | $ 74,000 |
| Cape Coral-Fort Myers, FL | 132 | $ 28,315,000 | $ 214,507 | $ 148,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 130 | $ 50,215,000 | $ 386,269 | $ 192,000 |
| Ocean City, NJ | 129 | $ 30,795,000 | $ 238,720 | $ 170,000 |
| Rochester, NY | 129 | $ 14,425,000 | $ 111,821 | $ 61,000 |
| Visalia-Porterville, CA | 128 | $ 21,035,000 | $ 164,335 | $ 54,000 |
| Lake Havasu City-Kingman, AZ | 127 | $ 28,272,000 | $ 222,614 | $ 92,000 |
| Kokomo, IN | 126 | $ 9,321,000 | $ 73,976 | $ 53,000 |
| Kennewick-Pasco-Richland, WA | 125 | $ 19,767,000 | $ 158,136 | $ 63,000 |
| Provo-Orem, UT | 124 | $ 25,512,000 | $ 205,741 | $ 95,000 |
| Barnstable Town, MA | 120 | $ 29,941,000 | $ 249,508 | $ 131,000 |
| Vallejo-Fairfield, CA | 120 | $ 37,400,000 | $ 311,666 | $ 107,000 |
| Weirton-Steubenville, WV-OH | 120 | $ 9,073,000 | $ 75,608 | $ 55,866 |
| Buffalo-Niagara Falls, NY | 118 | $ 12,902,000 | $ 109,338 | $ 69,000 |
| Modesto, CA | 117 | $ 27,779,000 | $ 237,427 | $ 86,000 |
| Durham, NC | 115 | $ 19,782,000 | $ 172,017 | $ 75,000 |
| Blacksburg-Christiansburg-Radford, VA | 114 | $ 16,557,000 | $ 145,236 | $ 68,000 |
| Peabody, MA | 111 | $ 29,288,000 | $ 263,855 | $ 79,000 |
| Atlantic City-Hammonton, NJ | 110 | $ 23,241,000 | $ 211,281 | $ 99,000 |
| Panama City-Lynn Haven, FL | 110 | $ 18,685,000 | $ 169,863 | $ 76,000 |
| Bay City, MI | 108 | $ 9,568,000 | $ 88,592 | $ 51,000 |
| Columbia, SC | 105 | $ 16,178,000 | $ 154,076 | $ 70,000 |
| Greeley, CO | 105 | $ 19,919,000 | $ 189,704 | $ 68,000 |
| Goldsboro, NC | 104 | $ 13,069,000 | $ 125,663 | $ 42,000 |
| Rockingham County-Strafford County, NH | 103 | $ 22,729,000 | $ 220,669 | $ 81,000 |
| Reading, PA | 102 | $ 17,599,000 | $ 172,539 | $ 72,000 |
| Burlington-South Burlington, VT | 101 | $ 21,914,000 | $ 216,970 | $ 73,000 |
| Fayetteville, NC | 95 | $ 11,835,000 | $ 124,578 | $ 42,000 |
| Battle Creek, MI | 93 | $ 7,284,000 | $ 78,322 | $ 48,000 |
| Salisbury, MD | 93 | $ 15,568,000 | $ 167,397 | $ 70,000 |
| Bradenton-Sarasota-Venice, FL | 92 | $ 22,297,000 | $ 242,358 | $ 183,000 |
| Trenton-Ewing, NJ | 92 | $ 22,849,000 | $ 248,358 | $ 105,000 |
| Birmingham-Hoover, AL | 91 | $ 13,812,000 | $ 151,780 | $ 60,000 |
| El Centro, CA | 89 | $ 18,684,000 | $ 209,932 | $ 83,000 |
| Fresno, CA | 89 | $ 17,521,000 | $ 196,865 | $ 85,000 |
| Lynchburg, VA | 89 | $ 14,711,000 | $ 165,292 | $ 78,000 |
| Lakeland-Winter Haven, FL | 87 | $ 13,039,000 | $ 149,873 | $ 63,000 |
| Mount Vernon-Anacortes, WA | 87 | $ 21,052,000 | $ 241,977 | $ 63,000 |
| Savannah, GA | 86 | $ 13,699,000 | $ 159,290 | $ 93,000 |
| Vineland-Millville-Bridgeton, NJ | 84 | $ 13,347,000 | $ 158,892 | $ 68,000 |
| Asheville, NC | 83 | $ 15,166,000 | $ 182,722 | $ 112,000 |
| Naples-Marco Island, FL | 83 | $ 20,874,000 | $ 251,493 | $ 200,000 |
| Honolulu, HI | 82 | $ 31,443,000 | $ 383,451 | $ 84,000 |
| Columbus, IN | 80 | $ 10,813,000 | $ 135,162 | $ 65,000 |
| Dover, DE | 80 | $ 15,958,000 | $ 199,475 | $ 68,000 |
| Anderson, SC | 77 | $ 7,821,000 | $ 101,571 | $ 47,000 |
| Green Bay, WI | 75 | $ 12,212,000 | $ 162,826 | $ 86,000 |
| Medford, OR | 72 | $ 17,595,000 | $ 244,375 | $ 91,000 |
| San Francisco-San Mateo-Redwood City, CA | 71 | $ 30,795,000 | $ 433,732 | $ 153,000 |
| Winston-Salem, NC | 70 | $ 12,159,000 | $ 173,700 | $ 74,000 |
| Boulder, CO | 68 | $ 13,707,000 | $ 201,573 | $ 78,000 |
| Bakersfield, CA | 67 | $ 13,979,000 | $ 208,641 | $ 75,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 65 | $ 26,402,000 | $ 406,184 | $ 185,000 |
| Scranton--Wilkes-Barre, PA | 65 | $ 10,628,000 | $ 163,507 | $ 81,000 |
| Augusta-Richmond County, GA-SC | 64 | $ 10,440,000 | $ 163,125 | $ 58,312 |
| Tulsa, OK | 64 | $ 9,449,000 | $ 147,640 | $ 78,000 |
| Napa, CA | 62 | $ 28,099,000 | $ 453,209 | $ 166,000 |
| Redding, CA | 62 | $ 11,931,000 | $ 192,435 | $ 71,000 |
| Coeur D'Alene, ID | 61 | $ 12,214,000 | $ 200,229 | $ 74,000 |
| Jackson, MI | 60 | $ 6,864,000 | $ 114,400 | $ 66,000 |
| Portland-South Portland-Biddeford, ME | 60 | $ 13,000,000 | $ 216,666 | $ 77,000 |
| Evansville, IN-KY | 59 | $ 6,576,000 | $ 111,457 | $ 79,288 |
| Wichita, KS | 59 | $ 7,417,000 | $ 125,711 | $ 57,000 |
| Duluth, MN-WI | 57 | $ 7,335,000 | $ 128,684 | $ 54,789 |
| El Paso, TX | 57 | $ 6,171,000 | $ 108,263 | $ 55,000 |
| Elizabethtown, KY | 51 | $ 6,702,000 | $ 131,411 | $ 53,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 51 | $ 12,838,000 | $ 251,725 | $ 103,000 |
| Prescott, AZ | 51 | $ 12,323,000 | $ 241,627 | $ 106,000 |
| Bellingham, WA | 49 | $ 12,668,000 | $ 258,530 | $ 89,000 |
| Chico, CA | 49 | $ 10,225,000 | $ 208,673 | $ 66,000 |
| Chattanooga, TN-GA | 48 | $ 6,390,000 | $ 133,125 | $ 73,312 |
| Killeen-Temple-Fort Hood, TX | 48 | $ 5,311,000 | $ 110,645 | $ 35,000 |
| Madison, WI | 48 | $ 8,505,000 | $ 177,187 | $ 100,000 |
| Santa Fe, NM | 48 | $ 11,765,000 | $ 245,104 | $ 119,000 |
| Baton Rouge, LA | 47 | $ 8,216,000 | $ 174,808 | $ 111,000 |
| Mansfield, OH | 47 | $ 4,502,000 | $ 95,787 | $ 50,000 |
| Spartanburg, SC | 47 | $ 6,353,000 | $ 135,170 | $ 55,000 |
| Davenport-Moline-Rock Island, IA-IL | 46 | $ 5,398,000 | $ 117,347 | $ 75,173 |
| Santa Rosa-Petaluma, CA | 46 | $ 14,657,000 | $ 318,630 | $ 138,000 |
| Yuma, AZ | 45 | $ 7,350,000 | $ 163,333 | $ 83,000 |
| Hickory-Lenoir-Morganton, NC | 44 | $ 7,311,000 | $ 166,159 | $ 67,000 |
| Muncie, IN | 43 | $ 3,865,000 | $ 89,883 | $ 48,000 |
| Flagstaff, AZ | 42 | $ 9,999,000 | $ 238,071 | $ 128,000 |
| McAllen-Edinburg-Mission, TX | 42 | $ 5,425,000 | $ 129,166 | $ 64,000 |
| Springfield, MO | 42 | $ 6,699,000 | $ 159,500 | $ 65,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 41 | $ 6,686,000 | $ 163,073 | $ 66,829 |
| Omaha-Council Bluffs, NE-IA | 41 | $ 6,951,000 | $ 169,536 | $ 81,121 |
| Jacksonville, NC | 40 | $ 5,736,000 | $ 143,400 | $ 53,000 |
| Des Moines-West Des Moines, IA | 36 | $ 4,975,000 | $ 138,194 | $ 69,000 |
| Little Rock-North Little Rock-Conway, AR | 36 | $ 5,303,000 | $ 147,305 | $ 64,000 |
| Yuba City, CA | 36 | $ 8,352,000 | $ 232,000 | $ 81,000 |
| Albany-Schenectady-Troy, NY | 35 | $ 6,841,000 | $ 195,457 | $ 85,000 |
| Niles-Benton Harbor, MI | 35 | $ 9,502,000 | $ 271,485 | $ 187,000 |
| Madera, CA | 34 | $ 6,939,000 | $ 204,088 | $ 125,000 |
| Winchester, VA-WV | 34 | $ 7,742,000 | $ 227,705 | $ 79,058 |
| College Station-Bryan, TX | 33 | $ 4,154,000 | $ 125,878 | $ 94,000 |
| Grand Junction, CO | 33 | $ 6,041,000 | $ 183,060 | $ 80,000 |
| Ocala, FL | 33 | $ 4,516,000 | $ 136,848 | $ 52,000 |
| Bloomington, IN | 32 | $ 3,806,000 | $ 118,937 | $ 110,000 |
| Burlington, NC | 32 | $ 4,319,000 | $ 134,968 | $ 55,000 |
| Cumberland, MD-WV | 32 | $ 2,980,000 | $ 93,125 | $ 89,281 |
| Huntsville, AL | 32 | $ 5,063,000 | $ 158,218 | $ 46,000 |
| Rocky Mount, NC | 32 | $ 3,277,000 | $ 102,406 | $ 46,000 |
| Corpus Christi, TX | 31 | $ 4,955,000 | $ 159,838 | $ 67,000 |
| Beaumont-Port Arthur, TX | 29 | $ 3,947,000 | $ 136,103 | $ 74,000 |
| Fort Walton Beach-Crestview-Destin, FL | 29 | $ 4,817,000 | $ 166,103 | $ 136,000 |
| Lafayette, IN | 28 | $ 3,791,000 | $ 135,392 | $ 74,000 |
| Palm Coast, FL | 28 | $ 4,377,000 | $ 156,321 | $ 110,000 |
| Athens-Clarke County, GA | 27 | $ 4,071,000 | $ 150,777 | $ 106,000 |
| Clarksville, TN-KY | 27 | $ 3,641,000 | $ 134,851 | $ 25,000 |
| Harrisonburg, VA | 27 | $ 5,148,000 | $ 190,666 | $ 90,000 |
| Salinas, CA | 27 | $ 8,531,000 | $ 315,962 | $ 195,000 |
| Topeka, KS | 27 | $ 3,082,000 | $ 114,148 | $ 55,000 |
| Carson City, NV | 26 | $ 5,139,000 | $ 197,653 | $ 75,000 |
| Mobile, AL | 26 | $ 3,416,000 | $ 131,384 | $ 49,000 |
| Anchorage, AK | 25 | $ 5,914,000 | $ 236,560 | $ 98,000 |
| Brownsville-Harlingen, TX | 25 | $ 3,691,000 | $ 147,640 | $ 85,000 |
| Montgomery, AL | 25 | $ 3,215,000 | $ 128,600 | $ 47,000 |
| Binghamton, NY | 24 | $ 2,112,000 | $ 88,000 | $ 47,000 |
| Las Cruces, NM | 24 | $ 4,114,000 | $ 171,416 | $ 76,000 |
| Macon, GA | 24 | $ 3,386,000 | $ 141,083 | $ 120,000 |
| Merced, CA | 24 | $ 5,053,000 | $ 210,541 | $ 87,000 |
| Morgantown, WV | 24 | $ 2,930,000 | $ 122,083 | $ 103,000 |
| Norwich-New London, CT | 24 | $ 5,141,000 | $ 214,208 | $ 86,000 |
| Tallahassee, FL | 24 | $ 3,884,000 | $ 161,833 | $ 57,000 |
| Tyler, TX | 24 | $ 3,435,000 | $ 143,125 | $ 96,000 |
| Greenville, NC | 23 | $ 3,507,000 | $ 152,478 | $ 61,000 |
| Columbus, GA-AL | 22 | $ 2,796,000 | $ 127,090 | $ 17,000 |
| Missoula, MT | 22 | $ 4,167,000 | $ 189,409 | $ 60,000 |
| Monroe, LA | 22 | $ 3,132,000 | $ 142,363 | $ 88,000 |
| Punta Gorda, FL | 22 | $ 4,210,000 | $ 191,363 | $ 120,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 8,649,000 | $ 393,136 | $ 127,000 |
| Williamsport, PA | 22 | $ 3,159,000 | $ 143,590 | $ 65,000 |
| Fort Smith, AR-OK | 21 | $ 2,031,000 | $ 96,714 | $ 37,095 |
| Morristown, TN | 21 | $ 2,969,000 | $ 141,380 | $ 63,000 |
| Racine, WI | 21 | $ 3,570,000 | $ 170,000 | $ 73,000 |
| San Luis Obispo-Paso Robles, CA | 21 | $ 6,283,000 | $ 299,190 | $ 147,000 |
| Appleton, WI | 20 | $ 2,703,000 | $ 135,150 | $ 56,000 |
| Gainesville, GA | 20 | $ 3,671,000 | $ 183,550 | $ 76,000 |
| Joplin, MO | 20 | $ 2,408,000 | $ 120,400 | $ 52,000 |
| St. Joseph, MO-KS | 20 | $ 2,441,000 | $ 122,050 | $ 53,800 |
| Danville, IL | 19 | $ 1,795,000 | $ 94,473 | $ 61,000 |
| Gainesville, FL | 19 | $ 3,396,000 | $ 178,736 | $ 69,000 |
| St. Cloud, MN | 19 | $ 3,289,000 | $ 173,105 | $ 62,000 |
| Waco, TX | 19 | $ 3,130,000 | $ 164,736 | $ 140,000 |
| Hanford-Corcoran, CA | 18 | $ 3,421,000 | $ 190,055 | $ 51,000 |
| Hinesville-Fort Stewart, GA | 18 | $ 2,488,000 | $ 138,222 | $ 41,000 |
| Lake Charles, LA | 18 | $ 2,163,000 | $ 120,166 | $ 56,000 |
| Pueblo, CO | 18 | $ 2,320,000 | $ 128,888 | $ 43,000 |
| Cleveland, TN | 17 | $ 2,410,000 | $ 141,764 | $ 60,000 |
| Sherman-Denison, TX | 17 | $ 2,420,000 | $ 142,352 | $ 160,000 |
| State College, PA | 17 | $ 2,081,000 | $ 122,411 | $ 70,000 |
| Warner Robins, GA | 17 | $ 2,240,000 | $ 131,764 | $ 53,000 |
| Johnstown, PA | 16 | $ 1,538,000 | $ 96,125 | $ 68,000 |
| Sioux Falls, SD | 16 | $ 2,345,000 | $ 146,562 | $ 71,000 |
| St. George, UT | 16 | $ 3,486,000 | $ 217,875 | $ 95,000 |
| Altoona, PA | 15 | $ 1,507,000 | $ 100,466 | $ 51,000 |
| Idaho Falls, ID | 15 | $ 2,171,000 | $ 144,733 | $ 81,000 |
| Charleston, WV | 14 | $ 1,825,000 | $ 130,357 | $ 80,000 |
| Corvallis, OR | 14 | $ 2,833,000 | $ 202,357 | $ 58,000 |
| Janesville, WI | 14 | $ 2,075,000 | $ 148,214 | $ 65,000 |
| Oshkosh-Neenah, WI | 14 | $ 2,092,000 | $ 149,428 | $ 62,000 |
| Lafayette, LA | 13 | $ 1,683,000 | $ 129,461 | $ 64,000 |
| Longview, TX | 13 | $ 1,950,000 | $ 150,000 | $ 58,000 |
| Lubbock, TX | 13 | $ 1,554,000 | $ 119,538 | $ 63,000 |
| Wenatchee, WA | 13 | $ 2,828,000 | $ 217,538 | $ 79,000 |
| Columbia, MO | 12 | $ 1,504,000 | $ 125,333 | $ 72,000 |
| Rochester, MN | 12 | $ 1,854,000 | $ 154,500 | $ 66,000 |
| Syracuse, NY | 12 | $ 1,325,000 | $ 110,416 | $ 64,000 |
| Abilene, TX | 11 | $ 1,554,000 | $ 141,272 | $ 66,000 |
| Bangor, ME | 11 | $ 1,440,000 | $ 130,909 | $ 70,000 |
| Fond Du Lac, WI | 11 | $ 1,549,000 | $ 140,818 | $ 41,000 |
| Gulfport-Biloxi, MS | 11 | $ 1,602,000 | $ 145,636 | $ 118,000 |
| Jackson, TN | 11 | $ 1,316,000 | $ 119,636 | $ 52,000 |
| San Angelo, TX | 11 | $ 992,000 | $ 90,181 | $ 42,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 11 | $ 4,831,000 | $ 439,181 | $ 148,000 |
| Sumter, SC | 11 | $ 1,245,000 | $ 113,181 | $ 14,000 |
| Terre Haute, IN | 11 | $ 894,000 | $ 81,272 | $ 62,000 |
| Alexandria, LA | 10 | $ 1,301,000 | $ 130,100 | $ 52,000 |
| Dalton, GA | 10 | $ 1,312,000 | $ 131,200 | $ 31,000 |
| Danville, VA | 10 | $ 1,408,000 | $ 140,800 | $ 63,000 |
| Decatur, AL | 10 | $ 1,461,000 | $ 146,100 | $ 32,000 |
| Eau Claire, WI | 10 | $ 1,220,000 | $ 122,000 | $ 53,000 |
| Florence-Muscle Shoals, AL | 10 | $ 1,092,000 | $ 109,200 | $ 51,000 |
| Jefferson City, MO | 10 | $ 1,637,000 | $ 163,700 | $ 72,000 |
| Lawton, OK | 10 | $ 1,382,000 | $ 138,200 | $ 22,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 10 | $ 1,077,000 | $ 107,700 | $ 98,600 |
| Rome, GA | 10 | $ 1,500,000 | $ 150,000 | $ 48,000 |
| Sheboygan, WI | 10 | $ 1,770,000 | $ 177,000 | $ 122,000 |
| Anniston-Oxford, AL | 9 | $ 1,105,000 | $ 122,777 | $ 44,000 |
| Billings, MT | 9 | $ 1,327,000 | $ 147,444 | $ 49,000 |
| Brunswick, GA | 9 | $ 1,961,000 | $ 217,888 | $ 93,000 |
| Farmington, NM | 9 | $ 1,745,000 | $ 193,888 | $ 65,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,332,000 | $ 148,000 | $ 62,111 |
| Kingston, NY | 9 | $ 1,824,000 | $ 202,666 | $ 111,000 |
| Lima, OH | 9 | $ 1,522,000 | $ 169,111 | $ 105,000 |
| Valdosta, GA | 9 | $ 1,324,000 | $ 147,111 | $ 51,000 |
| Dothan, AL | 8 | $ 1,468,000 | $ 183,500 | $ 83,000 |
| Florence, SC | 8 | $ 1,254,000 | $ 156,750 | $ 89,000 |
| Gadsden, AL | 8 | $ 1,303,000 | $ 162,875 | $ 68,000 |
| Lawrence, KS | 8 | $ 1,322,000 | $ 165,250 | $ 66,000 |
| Lewiston-Auburn, ME | 8 | $ 1,181,000 | $ 147,625 | $ 84,000 |
| Rapid City, SD | 8 | $ 1,032,000 | $ 129,000 | $ 45,000 |
| Amarillo, TX | 7 | $ 819,000 | $ 117,000 | $ 81,000 |
| Cheyenne, WY | 7 | $ 1,248,000 | $ 178,285 | $ 43,000 |
| Hot Springs, AR | 7 | $ 888,000 | $ 126,857 | $ 63,000 |
| Laredo, TX | 7 | $ 1,267,000 | $ 181,000 | $ 123,000 |
| Odessa, TX | 7 | $ 978,000 | $ 139,714 | $ 134,000 |
| Victoria, TX | 7 | $ 667,000 | $ 95,285 | $ 36,000 |
| Albany, GA | 6 | $ 668,000 | $ 111,333 | $ 43,000 |
| Cedar Rapids, IA | 6 | $ 962,000 | $ 160,333 | $ 55,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 926,000 | $ 154,333 | $ 69,333 |
| Utica-Rome, NY | 6 | $ 843,000 | $ 140,500 | $ 115,000 |
| Wausau, WI | 6 | $ 807,000 | $ 134,500 | $ 51,000 |
| Auburn-Opelika, AL | 5 | $ 886,000 | $ 177,200 | $ 94,000 |
| Dubuque, IA | 5 | $ 744,000 | $ 148,800 | $ 57,000 |
| Fairbanks, AK | 5 | $ 1,010,000 | $ 202,000 | $ 103,000 |
| Great Falls, MT | 5 | $ 495,000 | $ 99,000 | $ 82,000 |
| Jackson, MS | 5 | $ 427,000 | $ 85,400 | $ 71,000 |
| Lincoln, NE | 5 | $ 726,000 | $ 145,200 | $ 42,000 |
| Pocatello, ID | 5 | $ 512,000 | $ 102,400 | $ 31,000 |
| Wichita Falls, TX | 5 | $ 726,000 | $ 145,200 | $ 42,000 |
| Fargo, ND-MN | 4 | $ 492,000 | $ 123,000 | $ 26,500 |
| Johnson City, TN | 4 | $ 772,000 | $ 193,000 | $ 68,000 |
| Logan, UT-ID | 4 | $ 789,000 | $ 197,250 | $ 102,000 |
| Pascagoula, MS | 4 | $ 462,000 | $ 115,500 | $ 44,000 |
| Pine Bluff, AR | 4 | $ 434,000 | $ 108,500 | $ 53,000 |
| Tuscaloosa, AL | 4 | $ 559,000 | $ 139,750 | $ 20,000 |
| Ames, IA | 3 | $ 387,000 | $ 129,000 | $ 83,000 |
| Glens Falls, NY | 3 | $ 301,000 | $ 100,333 | $ 45,000 |
| Hattiesburg, MS | 3 | $ 621,000 | $ 207,000 | $ 88,000 |
| Ithaca, NY | 3 | $ 367,000 | $ 122,333 | $ 50,000 |
| Jonesboro, AR | 3 | $ 180,000 | $ 60,000 | $ 11,000 |
| Midland, TX | 3 | $ 364,000 | $ 121,333 | $ 82,000 |
| Bismarck, ND | 2 | $ 178,000 | $ 89,000 | $ 46,000 |
| Casper, WY | 2 | $ 427,000 | $ 213,500 | $ 111,000 |
| Elmira, NY | 2 | $ 523,000 | $ 261,500 | $ 114,000 |
| Grand Forks, ND-MN | 2 | $ 157,000 | $ 78,500 | $ 34,500 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 453,000 | $ 226,500 | $ 109,000 |
| Iowa City, IA | 2 | $ 262,000 | $ 131,000 | $ 23,000 |
| Sioux City, IA-NE-SD | 2 | $ 211,000 | $ 105,500 | $ 12,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 370,000 | $ 185,000 | $ 97,000 |
| La Crosse, WI-MN | 1 | $ 107,000 | $ 107,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for National City Bank in 2008
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 | 75,266 | $14,349,784,000 | $190,000 | $3,500,000 | $84,000 | $4,842,000 |
| Home Purchase | 57,686 | $10,577,001,000 | $183,000 | $2,500,000 | $86,000 | $7,007,000 |
| Home Improvement | 7,807 | $782,924,000 | $100,000 | $6,090,000 | $78,000 | $1,878,000 |
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 | 99,485 | $17,884,185,000 | $179,000 | $3,500,000 | $87,000 | $5,654,000 |
| Not Provided | 15,896 | $3,045,534,000 | $191,000 | $1,700,000 | $92,000 | $3,720,000 |
| Black or African American | 11,748 | $1,985,557,000 | $169,000 | $1,785,000 | $63,000 | $2,910,000 |
| Hispanic | 8,670 | $1,647,559,000 | $190,000 | $6,090,000 | $69,000 | $7,007,000 |
| Asian | 3,580 | $892,046,000 | $249,000 | $2,000,000 | $108,000 | $2,812,000 |
| American Indian or Alaskan Native | 658 | $93,022,000 | $141,000 | $782,000 | $74,000 | $1,394,000 |
| Native Hawaiian or Other Pacific Islander | 540 | $125,322,000 | $232,000 | $998,000 | $89,000 | $700,000 |
| Not applicable | 182 | $36,484,000 | $200,000 | $464,000 | $0 | $67,000 |
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) | 92,628 | $17,385,429,000 | $187,000 | $3,500,000 | $101,000 | $7,007,000 |
| FHA-insured (Federal Housing Administration) | 39,773 | $6,722,307,000 | $169,000 | $6,090,000 | $56,000 | $1,956,000 |
| VA-guaranteed (Veterans Administration) | 7,493 | $1,489,937,000 | $198,000 | $729,000 | $39,000 | $1,628,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 865 | $112,036,000 | $129,000 | $426,000 | $44,000 | $185,000 |
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 | 92,235 | $17,063,210,000 | $184,000 | $3,500,000 | $85,000 | $5,654,000 |
| Application Withdrawn By Applicant | 19,008 | $4,026,507,000 | $211,000 | $6,090,000 | $94,000 | $7,007,000 |
| Application Denied By Financial Institution | 16,382 | $2,212,612,000 | $135,000 | $2,520,000 | $74,000 | $4,000,000 |
| Application Approved But Not Accepted | 6,992 | $1,109,176,000 | $158,000 | $1,690,000 | $88,000 | $4,282,000 |
| File Closed For Incompleteness | 4,718 | $1,076,596,000 | $228,000 | $2,500,000 | $93,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 1,245 | $185,631,000 | $149,000 | $1,000,000 | $52,000 | $754,000 |
| Loan Purchased By The Institution | 179 | $35,977,000 | $200,000 | $464,000 | $0 | $67,000 |
| 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 | 5,978 | $543,035,000 | $90,000 | $960,000 | $62,000 | $3,000,000 |
| Collateral | 4,920 | $784,055,000 | $159,000 | $2,520,000 | $89,000 | $1,879,000 |
| Debt-To-Income Ratio | 3,631 | $526,497,000 | $145,000 | $1,365,000 | $54,000 | $646,000 |
| Other | 1,618 | $250,189,000 | $154,000 | $2,000,000 | $90,000 | $3,720,000 |
| Credit Application Incomplete | 640 | $146,338,000 | $228,000 | $1,500,000 | $101,000 | $4,000,000 |
| Unverifiable Information | 374 | $70,298,000 | $187,000 | $731,000 | $74,000 | $394,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 289 | $52,191,000 | $180,000 | $624,000 | $69,000 | $230,000 |
| Employment History | 149 | $21,746,000 | $145,000 | $423,000 | $58,000 | $359,000 |
| Mortgage Insurance Denied | 28 | $3,894,000 | $139,000 | $352,000 | $83,000 | $513,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Bank's 2008 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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with aggregated HMDA statistics today.
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