National City Bank Mortgage Lending & HMDA Data, 2003
In 2003, National City Bank of Cleveland, OH reported 101,566 mortgage applications totaling $5.5 billion. The average application was for $54,372, and applicants reported an average income of $70,669. 54% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Pittsburgh, PA (14,589), Cleveland-Lorain-Elyria, OH (5,588) and Detroit, MI (4,438) (applications in parentheses).
| Mortgage Company & Address | National City Bank 1900 E Ninth St Loc 01-3144 Cleveland, OH 44114 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 101,566 |
| Total Mortgage Loan Application Amount | $5,522,423,000 |
| Average Mortgage Loan Application Amount | $54,372 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $70,669 |
| Highest Applicant Income | $6,625,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 14,589 | $ 901,936,000 | $ 61,823 | $ 63,000 |
| Cleveland-Lorain-Elyria, OH | 5,588 | $ 398,278,000 | $ 71,273 | $ 56,000 |
| Detroit, MI | 4,438 | $ 207,938,000 | $ 46,853 | $ 69,000 |
| Columbus, OH | 3,569 | $ 234,061,000 | $ 65,581 | $ 79,000 |
| Indianapolis, IN | 3,537 | $ 186,360,000 | $ 52,688 | $ 66,000 |
| Louisville, KY-IN | 3,127 | $ 196,380,000 | $ 62,801 | $ 62,000 |
| Chicago, IL | 2,208 | $ 96,339,000 | $ 43,631 | $ 76,000 |
| Dayton-Springfield, OH | 1,851 | $ 87,577,000 | $ 47,313 | $ 57,000 |
| Grand Rapids-Muskegon-Holland, MI | 1,800 | $ 74,783,000 | $ 41,546 | $ 53,000 |
| Youngstown-Warren, OH | 1,495 | $ 89,294,000 | $ 59,728 | $ 84,000 |
| Akron, OH | 1,494 | $ 103,934,000 | $ 69,567 | $ 64,000 |
| Erie, PA | 1,374 | $ 90,444,000 | $ 65,825 | $ 52,000 |
| Lexington, KY | 1,270 | $ 96,473,000 | $ 75,962 | $ 61,000 |
| Baltimore, MD | 1,259 | $ 49,542,000 | $ 39,350 | $ 99,000 |
| Philadelphia, PA-NJ | 1,234 | $ 54,654,000 | $ 44,290 | $ 89,000 |
| Fort Wayne, IN | 1,192 | $ 65,482,000 | $ 54,934 | $ 54,000 |
| Los Angeles-Long Beach, CA | 1,166 | $ 78,260,000 | $ 67,118 | $ 141,000 |
| Phoenix-Mesa, AZ | 1,025 | $ 48,033,000 | $ 46,861 | $ 98,000 |
| Sharon, PA | 1,016 | $ 61,213,000 | $ 60,249 | $ 62,000 |
| Saginaw-Bay City-Midland, MI | 850 | $ 53,324,000 | $ 62,734 | $ 59,000 |
| Toledo, OH | 789 | $ 36,050,000 | $ 45,690 | $ 57,000 |
| Seattle-Bellevue-Everett, WA | 729 | $ 35,089,000 | $ 48,133 | $ 93,000 |
| Kalamazoo-Battle Creek, MI | 700 | $ 36,234,000 | $ 51,762 | $ 53,000 |
| Canton-Massillon, OH | 668 | $ 42,816,000 | $ 64,095 | $ 73,000 |
| Oakland, CA | 668 | $ 42,212,000 | $ 63,191 | $ 116,000 |
| Boston, MA-NH | 648 | $ 38,972,000 | $ 60,141 | $ 115,000 |
| Bloomington-Normal, IL | 644 | $ 17,413,000 | $ 27,038 | $ 49,000 |
| Denver, CO | 631 | $ 26,170,000 | $ 41,473 | $ 94,000 |
| Atlanta, GA | 564 | $ 22,590,000 | $ 40,053 | $ 89,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 547 | $ 17,942,000 | $ 32,800 | $ 91,000 |
| Portland-Vancouver, OR-WA | 543 | $ 22,721,000 | $ 41,843 | $ 85,000 |
| San Jose, CA | 521 | $ 37,528,000 | $ 72,030 | $ 139,000 |
| Ann Arbor, MI | 518 | $ 25,472,000 | $ 49,173 | $ 71,000 |
| Lansing-East Lansing, MI | 517 | $ 26,903,000 | $ 52,036 | $ 57,000 |
| Peoria-Pekin, IL | 472 | $ 19,007,000 | $ 40,269 | $ 56,000 |
| Springfield, IL | 463 | $ 20,302,000 | $ 43,848 | $ 56,000 |
| San Francisco, CA | 458 | $ 40,508,000 | $ 88,445 | $ 146,000 |
| Rockford, IL | 395 | $ 15,454,000 | $ 39,124 | $ 49,000 |
| San Diego, CA | 377 | $ 23,670,000 | $ 62,785 | $ 105,000 |
| Washington, DC-MD-VA-WV | 373 | $ 20,888,000 | $ 56,000 | $ 132,000 |
| Orange County, CA | 371 | $ 24,815,000 | $ 66,886 | $ 130,000 |
| Riverside-San Bernardino, CA | 354 | $ 17,126,000 | $ 48,378 | $ 102,000 |
| South Bend, IN | 338 | $ 22,206,000 | $ 65,698 | $ 50,000 |
| Sacramento, CA | 335 | $ 15,423,000 | $ 46,038 | $ 102,000 |
| Owensboro, KY | 326 | $ 13,936,000 | $ 42,748 | $ 64,000 |
| Cincinnati, OH-KY-IN | 314 | $ 13,549,000 | $ 43,149 | $ 72,000 |
| Flint, MI | 309 | $ 16,849,000 | $ 54,527 | $ 59,000 |
| Kokomo, IN | 299 | $ 19,419,000 | $ 64,946 | $ 78,000 |
| Minneapolis-St. Paul, MN-WI | 296 | $ 13,719,000 | $ 46,347 | $ 73,000 |
| Richmond-Petersburg, VA | 289 | $ 8,542,000 | $ 29,557 | $ 82,000 |
| Gary, IN | 260 | $ 9,537,000 | $ 36,680 | $ 51,000 |
| Harrisburg-Lebanon-Carlisle, PA | 253 | $ 8,449,000 | $ 33,395 | $ 66,000 |
| Lancaster, PA | 248 | $ 7,868,000 | $ 31,725 | $ 86,000 |
| Allentown-Bethlehem-Easton, PA | 232 | $ 9,303,000 | $ 40,099 | $ 74,000 |
| Raleigh-Durham-Chapel Hill, NC | 227 | $ 7,163,000 | $ 31,555 | $ 88,000 |
| Champaign-Urbana, IL | 222 | $ 5,638,000 | $ 25,396 | $ 51,000 |
| New York, NY | 220 | $ 15,955,000 | $ 72,522 | $ 122,000 |
| York, PA | 219 | $ 7,028,000 | $ 32,091 | $ 62,000 |
| Middlesex-Somerset-Hunterdon, NJ | 190 | $ 8,133,000 | $ 42,805 | $ 108,000 |
| Kankakee, IL | 186 | $ 4,764,000 | $ 25,612 | $ 48,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 165 | $ 6,902,000 | $ 41,830 | $ 86,000 |
| Boulder-Longmont, CO | 142 | $ 7,456,000 | $ 52,507 | $ 103,000 |
| Las Vegas, NV-AZ | 141 | $ 6,305,000 | $ 44,716 | $ 100,000 |
| Steubenville-Weirton, OH-WV | 136 | $ 7,248,000 | $ 53,294 | $ 45,000 |
| Newark, NJ | 132 | $ 6,510,000 | $ 49,318 | $ 131,000 |
| St. Louis, MO-IL | 130 | $ 5,192,000 | $ 39,938 | $ 78,000 |
| Nassau-Suffolk, NY | 128 | $ 8,216,000 | $ 64,187 | $ 128,000 |
| Ventura, CA | 121 | $ 8,112,000 | $ 67,041 | $ 110,000 |
| Tampa-St. Petersburg-Clearwater, FL | 120 | $ 5,445,000 | $ 45,375 | $ 135,000 |
| Fort Lauderdale, FL | 118 | $ 7,046,000 | $ 59,711 | $ 91,000 |
| Roanoke, VA | 115 | $ 3,128,000 | $ 27,200 | $ 83,000 |
| Kansas City, MO-KS | 112 | $ 3,661,000 | $ 32,687 | $ 70,000 |
| Knoxville, TN | 111 | $ 3,496,000 | $ 31,495 | $ 84,000 |
| Stockton-Lodi, CA | 110 | $ 4,865,000 | $ 44,227 | $ 91,000 |
| Decatur, IL | 109 | $ 3,117,000 | $ 28,596 | $ 48,000 |
| Orlando, FL | 108 | $ 5,119,000 | $ 47,398 | $ 114,000 |
| Reading, PA | 108 | $ 3,863,000 | $ 35,768 | $ 71,000 |
| Tucson, AZ | 106 | $ 3,504,000 | $ 33,056 | $ 104,000 |
| Hamilton-Middletown, OH | 103 | $ 4,277,000 | $ 41,524 | $ 65,000 |
| Greensboro--Winston-Salem--High Point, NC | 99 | $ 3,163,000 | $ 31,949 | $ 107,000 |
| Rochester, NY | 93 | $ 3,742,000 | $ 40,236 | $ 63,000 |
| Providence-Fall River-Warwick, RI-MA | 92 | $ 3,559,000 | $ 38,684 | $ 90,000 |
| Jamestown, NY | 89 | $ 4,610,000 | $ 51,797 | $ 49,000 |
| Johnstown, PA | 89 | $ 5,066,000 | $ 56,921 | $ 60,000 |
| Hartford, CT | 87 | $ 3,142,000 | $ 36,114 | $ 95,000 |
| Hagerstown, MD | 83 | $ 2,170,000 | $ 26,144 | $ 70,000 |
| Tacoma, WA | 81 | $ 3,410,000 | $ 42,098 | $ 92,000 |
| Olympia, WA | 79 | $ 2,298,000 | $ 29,088 | $ 106,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 79 | $ 3,158,000 | $ 39,974 | $ 54,000 |
| West Palm Beach-Boca Raton, FL | 74 | $ 5,116,000 | $ 69,135 | $ 185,000 |
| Charlottesville, VA | 71 | $ 2,244,000 | $ 31,605 | $ 74,000 |
| Elkhart-Goshen, IN | 71 | $ 3,536,000 | $ 49,802 | $ 56,000 |
| Bremerton, WA | 68 | $ 2,821,000 | $ 41,485 | $ 95,000 |
| Vallejo-Fairfield-Napa, CA | 63 | $ 3,981,000 | $ 63,190 | $ 103,000 |
| Nashville, TN | 61 | $ 2,064,000 | $ 33,836 | $ 79,000 |
| Salt Lake City-Ogden, UT | 61 | $ 2,110,000 | $ 34,590 | $ 88,000 |
| Worcester, MA-CT | 60 | $ 2,189,000 | $ 36,483 | $ 94,000 |
| Wilmington-Newark, DE-MD | 59 | $ 2,052,000 | $ 34,779 | $ 80,000 |
| Miami, FL | 58 | $ 5,609,000 | $ 96,706 | $ 275,000 |
| Monmouth-Ocean, NJ | 58 | $ 2,738,000 | $ 47,206 | $ 91,000 |
| Santa Cruz-Watsonville, CA | 58 | $ 3,441,000 | $ 59,327 | $ 112,000 |
| Spokane, WA | 58 | $ 1,321,000 | $ 22,775 | $ 82,000 |
| Albuquerque, NM | 57 | $ 1,812,000 | $ 31,789 | $ 102,000 |
| Colorado Springs, CO | 57 | $ 2,496,000 | $ 43,789 | $ 88,000 |
| Shreveport-Bossier City, LA | 56 | $ 1,665,000 | $ 29,732 | $ 114,000 |
| Santa Rosa, CA | 55 | $ 4,178,000 | $ 75,963 | $ 117,000 |
| Buffalo-Niagara Falls, NY | 54 | $ 1,789,000 | $ 33,129 | $ 64,000 |
| Bridgeport, CT | 52 | $ 3,168,000 | $ 60,923 | $ 136,000 |
| Mansfield, OH | 52 | $ 2,111,000 | $ 40,596 | $ 56,000 |
| Reno, NV | 52 | $ 2,447,000 | $ 47,057 | $ 81,000 |
| Bergen-Passaic, NJ | 51 | $ 2,393,000 | $ 46,921 | $ 112,000 |
| Albany-Schenectady-Troy, NY | 48 | $ 1,774,000 | $ 36,958 | $ 72,000 |
| Jackson, MI | 46 | $ 1,802,000 | $ 39,173 | $ 49,000 |
| Stamford-Norwalk, CT | 43 | $ 5,065,000 | $ 117,790 | $ 168,000 |
| Medford-Ashland, OR | 41 | $ 1,202,000 | $ 29,317 | $ 84,000 |
| Milwaukee-Waukesha, WI | 40 | $ 1,253,000 | $ 31,325 | $ 79,000 |
| Evansville-Henderson, IN-KY | 39 | $ 1,372,000 | $ 35,179 | $ 45,000 |
| Brockton, MA | 38 | $ 2,173,000 | $ 57,184 | $ 101,000 |
| Lowell, MA-NH | 38 | $ 1,493,000 | $ 39,289 | $ 97,000 |
| New Orleans, LA | 38 | $ 1,444,000 | $ 38,000 | $ 92,000 |
| Des Moines, IA | 37 | $ 1,278,000 | $ 34,540 | $ 51,000 |
| Muncie, IN | 37 | $ 2,077,000 | $ 56,135 | $ 53,000 |
| Santa Fe, NM | 36 | $ 2,068,000 | $ 57,444 | $ 115,000 |
| New Haven-Meriden, CT | 35 | $ 1,844,000 | $ 52,685 | $ 107,000 |
| State College, PA | 35 | $ 1,172,000 | $ 33,485 | $ 60,000 |
| Altoona, PA | 34 | $ 1,397,000 | $ 41,088 | $ 62,000 |
| Benton Harbor, MI | 34 | $ 1,686,000 | $ 49,588 | $ 56,000 |
| Eugene-Springfield, OR | 34 | $ 1,197,000 | $ 35,205 | $ 132,000 |
| Macon, GA | 34 | $ 747,000 | $ 21,970 | $ 71,000 |
| Atlantic-Cape May, NJ | 33 | $ 1,547,000 | $ 46,878 | $ 132,000 |
| Huntington-Ashland, WV-KY-OH | 33 | $ 2,328,000 | $ 70,545 | $ 81,000 |
| Danbury, CT | 30 | $ 1,666,000 | $ 55,533 | $ 147,000 |
| Wilmington, NC | 29 | $ 939,000 | $ 32,379 | $ 95,000 |
| Flagstaff, AZ-UT | 28 | $ 989,000 | $ 35,321 | $ 89,000 |
| Savannah, GA | 26 | $ 751,000 | $ 28,884 | $ 68,000 |
| Bloomington, IN | 25 | $ 1,243,000 | $ 49,720 | $ 72,000 |
| Lawrence, MA-NH | 25 | $ 1,244,000 | $ 49,760 | $ 92,000 |
| Modesto, CA | 25 | $ 992,000 | $ 39,680 | $ 83,000 |
| Greeley, CO | 24 | $ 961,000 | $ 40,041 | $ 96,000 |
| Burlington, VT | 23 | $ 841,000 | $ 36,565 | $ 87,000 |
| Newburgh, NY-PA | 23 | $ 904,000 | $ 39,304 | $ 92,000 |
| Springfield, MA | 23 | $ 743,000 | $ 32,304 | $ 106,000 |
| Fort Myers-Cape Coral, FL | 22 | $ 2,701,000 | $ 122,772 | $ 177,000 |
| Jacksonville, FL | 22 | $ 843,000 | $ 38,318 | $ 109,000 |
| Naples, FL | 22 | $ 2,675,000 | $ 121,590 | $ 495,000 |
| Boise City, ID | 21 | $ 640,000 | $ 30,476 | $ 83,000 |
| Provo-Orem, UT | 21 | $ 674,000 | $ 32,095 | $ 63,000 |
| Redding, CA | 21 | $ 889,000 | $ 42,333 | $ 115,000 |
| Greenville, NC | 18 | $ 406,000 | $ 22,555 | $ 75,000 |
| Lynchburg, VA | 18 | $ 449,000 | $ 24,944 | $ 71,000 |
| Fort Collins-Loveland, CO | 17 | $ 501,000 | $ 29,470 | $ 122,000 |
| Syracuse, NY | 17 | $ 641,000 | $ 37,705 | $ 56,000 |
| Trenton, NJ | 17 | $ 631,000 | $ 37,117 | $ 91,000 |
| Wheeling, WV-OH | 17 | $ 898,000 | $ 52,823 | $ 43,000 |
| Yakima, WA | 17 | $ 498,000 | $ 29,294 | $ 101,000 |
| Fresno, CA | 16 | $ 959,000 | $ 59,937 | $ 138,000 |
| Jersey City, NJ | 16 | $ 689,000 | $ 43,062 | $ 113,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 16 | $ 1,043,000 | $ 65,187 | $ 181,000 |
| Sarasota-Bradenton, FL | 16 | $ 1,783,000 | $ 111,437 | $ 150,000 |
| Lafayette, IN | 15 | $ 556,000 | $ 37,066 | $ 55,000 |
| Utica-Rome, NY | 15 | $ 647,000 | $ 43,133 | $ 44,000 |
| Williamsport, PA | 15 | $ 399,000 | $ 26,600 | $ 55,000 |
| Bakersfield, CA | 14 | $ 332,000 | $ 23,714 | $ 92,000 |
| Barnstable-Yarmouth, MA | 14 | $ 907,000 | $ 64,785 | $ 139,000 |
| Dover, DE | 14 | $ 386,000 | $ 27,571 | $ 81,000 |
| Fitchburg-Leominster, MA | 14 | $ 561,000 | $ 40,071 | $ 116,000 |
| Salem, OR | 14 | $ 311,000 | $ 22,214 | $ 68,000 |
| Charleston-North Charleston, SC | 13 | $ 527,000 | $ 40,538 | $ 68,000 |
| Nashua, NH | 13 | $ 362,000 | $ 27,846 | $ 79,000 |
| Springfield, MO | 13 | $ 394,000 | $ 30,307 | $ 39,000 |
| Portsmouth-Rochester, NH-ME | 12 | $ 583,000 | $ 48,583 | $ 106,000 |
| Wausau, WI | 12 | $ 266,000 | $ 22,166 | $ 54,000 |
| Athens, GA | 11 | $ 213,000 | $ 19,363 | $ 69,000 |
| Bellingham, WA | 11 | $ 418,000 | $ 38,000 | $ 79,000 |
| Iowa City, IA | 11 | $ 453,000 | $ 41,181 | $ 51,000 |
| Kenosha, WI | 11 | $ 453,000 | $ 41,181 | $ 60,000 |
| Manchester, NH | 11 | $ 464,000 | $ 42,181 | $ 91,000 |
| Memphis, TN-AR-MS | 11 | $ 726,000 | $ 66,000 | $ 104,000 |
| Merced, CA | 11 | $ 437,000 | $ 39,727 | $ 113,000 |
| New Bedford, MA | 11 | $ 1,737,000 | $ 157,909 | $ 110,000 |
| Pittsfield, MA | 11 | $ 524,000 | $ 47,636 | $ 130,000 |
| Rochester, MN | 11 | $ 484,000 | $ 44,000 | $ 59,000 |
| Salinas, CA | 11 | $ 2,228,000 | $ 202,545 | $ 145,000 |
| Davenport-Moline-Rock Island, IA-IL | 10 | $ 560,000 | $ 56,000 | $ 46,000 |
| Melbourne-Titusville-Palm Bay, FL | 10 | $ 356,000 | $ 35,600 | $ 88,000 |
| Myrtle Beach, SC | 10 | $ 687,000 | $ 68,700 | $ 183,000 |
| Oklahoma City, OK | 10 | $ 199,000 | $ 19,900 | $ 61,000 |
| Terre Haute, IN | 10 | $ 321,000 | $ 32,100 | $ 28,000 |
| Appleton-Oshkosh-Neenah, WI | 9 | $ 193,000 | $ 21,444 | $ 67,000 |
| Cedar Rapids, IA | 9 | $ 348,000 | $ 38,666 | $ 53,000 |
| Dutchess County, NY | 9 | $ 423,000 | $ 47,000 | $ 86,000 |
| Greenville-Spartanburg-Anderson, SC | 9 | $ 229,000 | $ 25,444 | $ 83,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 9 | $ 369,000 | $ 41,000 | $ 34,000 |
| Panama City, FL | 9 | $ 306,000 | $ 34,000 | $ 101,000 |
| Wichita, KS | 9 | $ 329,000 | $ 36,555 | $ 78,000 |
| Columbia, SC | 8 | $ 670,000 | $ 83,750 | $ 217,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 202,000 | $ 25,250 | $ 30,000 |
| Yolo, CA | 8 | $ 279,000 | $ 34,875 | $ 71,000 |
| Fort Pierce-Port St. Lucie, FL | 7 | $ 155,000 | $ 22,142 | $ 71,000 |
| Lima, OH | 7 | $ 437,000 | $ 62,428 | $ 84,000 |
| Madison, WI | 7 | $ 304,000 | $ 43,428 | $ 57,000 |
| St. Cloud, MN | 7 | $ 188,000 | $ 26,857 | $ 65,000 |
| Waterbury, CT | 7 | $ 406,000 | $ 58,000 | $ 90,000 |
| Baton Rouge, LA | 6 | $ 129,000 | $ 21,500 | $ 84,000 |
| Binghamton, NY | 6 | $ 253,000 | $ 42,166 | $ 47,000 |
| Daytona Beach, FL | 6 | $ 671,000 | $ 111,833 | $ 201,000 |
| Duluth-Superior, MN-WI | 6 | $ 228,000 | $ 38,000 | $ 42,000 |
| Glens Falls, NY | 6 | $ 205,000 | $ 34,166 | $ 49,000 |
| Green Bay, WI | 6 | $ 169,000 | $ 28,166 | $ 144,000 |
| Lakeland-Winter Haven, FL | 6 | $ 235,000 | $ 39,166 | $ 140,000 |
| New London-Norwich, CT-RI | 6 | $ 383,000 | $ 63,833 | $ 113,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 6 | $ 357,000 | $ 59,500 | $ 115,000 |
| Asheville, NC | 5 | $ 347,000 | $ 69,400 | $ 136,000 |
| Chattanooga, TN-GA | 5 | $ 212,000 | $ 42,400 | $ 32,000 |
| Dallas, TX | 5 | $ 226,000 | $ 45,200 | $ 109,000 |
| Eau Claire, WI | 5 | $ 126,000 | $ 25,200 | $ 27,000 |
| Hickory-Morganton-Lenoir, NC | 5 | $ 620,000 | $ 124,000 | $ 90,000 |
| Omaha, NE-IA | 5 | $ 86,000 | $ 17,200 | $ 73,000 |
| Topeka, KS | 5 | $ 129,000 | $ 25,800 | $ 57,000 |
| Charleston, WV | 4 | $ 198,000 | $ 49,500 | $ 62,000 |
| Columbia, MO | 4 | $ 140,000 | $ 35,000 | $ 50,000 |
| Columbus, GA-AL | 4 | $ 94,000 | $ 23,500 | $ 112,000 |
| Corvallis, OR | 4 | $ 115,000 | $ 28,750 | $ 58,000 |
| Elmira, NY | 4 | $ 147,000 | $ 36,750 | $ 59,000 |
| Houston, TX | 4 | $ 178,000 | $ 44,500 | $ 56,000 |
| Janesville-Beloit, WI | 4 | $ 122,000 | $ 30,500 | $ 43,000 |
| Portland, ME | 4 | $ 145,000 | $ 36,250 | $ 61,000 |
| Yuma, AZ | 4 | $ 198,000 | $ 49,500 | $ 58,000 |
| Augusta-Aiken, GA-SC | 3 | $ 135,000 | $ 45,000 | $ 63,000 |
| Cumberland, MD-WV | 3 | $ 51,000 | $ 17,000 | $ 68,000 |
| Danville, VA | 3 | $ 64,000 | $ 21,333 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR | 3 | $ 57,000 | $ 19,000 | $ 78,000 |
| Fort Walton Beach, FL | 3 | $ 173,000 | $ 57,666 | $ 84,000 |
| Joplin, MO | 3 | $ 87,000 | $ 29,000 | $ 34,000 |
| La Crosse, WI-MN | 3 | $ 96,000 | $ 32,000 | $ 30,000 |
| Punta Gorda, FL | 3 | $ 141,000 | $ 47,000 | $ 65,000 |
| Richland-Kennewick-Pasco, WA | 3 | $ 136,000 | $ 45,333 | $ 101,000 |
| Birmingham, AL | 2 | $ 43,000 | $ 21,500 | $ 60,000 |
| Chico-Paradise, CA | 2 | $ 49,000 | $ 24,500 | $ 108,000 |
| Grand Junction, CO | 2 | $ 82,000 | $ 41,000 | $ 38,000 |
| Jacksonville, NC | 2 | $ 54,000 | $ 27,000 | $ 194,000 |
| Lawrence, KS | 2 | $ 50,000 | $ 25,000 | $ 35,000 |
| Missoula, MT | 2 | $ 29,000 | $ 14,500 | $ 46,000 |
| Mobile, AL | 2 | $ 36,000 | $ 18,000 | $ 34,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 180,000 | $ 90,000 | $ 115,000 |
| Racine, WI | 2 | $ 74,000 | $ 37,000 | $ 108,000 |
| St. Joseph, MO | 2 | $ 76,000 | $ 38,000 | $ 23,000 |
| Tallahassee, FL | 2 | $ 94,000 | $ 47,000 | $ 76,000 |
| Visalia-Tulare-Porterville, CA | 2 | $ 58,000 | $ 29,000 | $ 70,000 |
| Yuba City, CA | 2 | $ 48,000 | $ 24,000 | $ 86,000 |
| Albany, GA | 1 | $ 21,000 | $ 21,000 | $ 42,000 |
| Austin-San Marcos, TX | 1 | $ 562,000 | $ 562,000 | $ 91,000 |
| Brazoria, TX | 1 | $ 26,000 | $ 26,000 | $ 198,000 |
| Cheyenne, WY | 1 | $ 21,000 | $ 21,000 | $ 33,000 |
| Dubuque, IA | 1 | $ 32,000 | $ 32,000 | $ 68,000 |
| Florence, SC | 1 | $ 15,000 | $ 15,000 | $ 77,000 |
| Fort Smith, AR-OK | 1 | $ 36,000 | $ 36,000 | $ 92,000 |
| Fort Worth-Arlington, TX | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Goldsboro, NC | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Las Cruces, NM | 1 | $ 32,000 | $ 32,000 | $ 105,000 |
| Lawton, OK | 1 | $ 18,000 | $ 18,000 | $ 63,000 |
| Lewiston-Auburn, ME | 1 | $ 20,000 | $ 20,000 | $ 70,000 |
| Little Rock-North Little Rock, AR | 1 | $ 142,000 | $ 142,000 | $ 163,000 |
| Monroe, LA | 1 | $ 36,000 | $ 36,000 | $ 102,000 |
| Ocala, FL | 1 | $ 12,000 | $ 12,000 | $ 29,000 |
| Pueblo, CO | 1 | $ 28,000 | $ 28,000 | $ 98,000 |
| San Antonio, TX | 1 | $ 20,000 | $ 20,000 | $ 59,000 |
| Sioux Falls, SD | 1 | $ 10,000 | $ 10,000 | $ 63,000 |
| Tulsa, OK | 1 | $ 24,000 | $ 24,000 | $ 88,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 40,000 | $ 40,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for National City Bank in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 59,024 | $3,875,112,000 | $82,860 | $1,600,000 | $142,900 | $6,625,000 |
| Home Purchase (one-to-four family) | 27,862 | $1,188,288,000 | $37,708 | $1,500,000 | $83,187 | $5,423,000 |
| Home Improvement (one-to-four family) | 14,675 | $457,754,000 | $36,243 | $500,000 | $82,536 | $5,000,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 5 | $1,269,000 | $234,000 | $802,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 58,561 | $3,091,750,000 | $45,812 | $1,500,000 | $100,937 | $6,625,000 |
| Information not provided by applicant in mail or telephone application | 33,659 | $1,966,088,000 | $74,369 | $1,446,000 | $113,739 | $6,500,000 |
| Black | 3,832 | $171,462,000 | $41,714 | $694,000 | $82,371 | $900,000 |
| Hispanic | 2,324 | $105,378,000 | $40,388 | $385,000 | $78,000 | $5,936,000 |
| Asian or Pacific Islander | 1,994 | $110,744,000 | $48,756 | $825,000 | $90,135 | $2,076,000 |
| Other | 861 | $50,186,000 | $62,375 | $850,000 | $97,312 | $573,000 |
| American Indian or Alaskan Native | 291 | $12,619,000 | $35,481 | $309,000 | $75,629 | $720,000 |
| Not applicable | 44 | $14,196,000 | $365,600 | $1,600,000 | $1,600 | $105,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 101,408 | $5,509,163,000 | $69,352 | $1,600,000 | $122,137 | $6,625,000 |
| FHA-insured (Federal Housing Administration) | 146 | $12,505,000 | $55,500 | $224,000 | $31,500 | $139,000 |
| VA-guaranteed (Veterans Administration) | 11 | $714,000 | $46,800 | $133,000 | $97,800 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $41,000 | $41,000 | $41,000 | $60,000 | $60,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 55,196 | $3,107,604,000 | $77,347 | $1,600,000 | $132,847 | $6,500,000 |
| Application Denied By Financial Institution | 26,904 | $1,335,876,000 | $48,590 | $938,000 | $78,750 | $6,625,000 |
| Application Approved But Not Accepted | 17,336 | $930,521,000 | $44,022 | $500,000 | $86,800 | $4,314,000 |
| Application Withdrawn By Applicant | 1,095 | $58,708,000 | $41,756 | $891,000 | $92,121 | $720,000 |
| File Closed For Incompleteness | 1,000 | $78,443,000 | $73,384 | $616,000 | $86,615 | $4,799,000 |
| Loan Purchased By The Institution | 35 | $11,271,000 | $272,000 | $1,038,000 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 13,384 | $583,324,000 | $44,047 | $938,000 | $78,666 | $6,625,000 |
| Debt-To-Income Ratio | 10,811 | $614,881,000 | $51,833 | $589,000 | $64,361 | $4,141,000 |
| Other | 1,220 | $76,591,000 | $59,102 | $850,000 | $94,000 | $2,558,000 |
| Collateral | 939 | $38,843,000 | $40,428 | $446,000 | $74,142 | $568,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 315 | $9,206,000 | $29,187 | $150,000 | $39,875 | $250,000 |
| Unverifiable Information | 129 | $8,765,000 | $58,545 | $325,000 | $92,500 | $670,000 |
| Employment History | 102 | $4,156,000 | $38,705 | $176,000 | $46,823 | $151,000 |
| Credit Application Incomplete | 4 | $110,000 | $26,666 | $39,000 | $89,000 | $190,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Bank's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess National City Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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