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Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 9,335 | $ 584,405,000 | $ 62,603 | $ 72,000 |
| Cleveland-Elyria-Mentor, OH | 3,621 | $ 225,688,000 | $ 62,327 | $ 63,000 |
| Columbus, OH | 2,161 | $ 122,731,000 | $ 56,793 | $ 85,000 |
| Indianapolis, IN | 1,797 | $ 88,633,000 | $ 49,322 | $ 69,000 |
| Louisville, KY-IN | 1,590 | $ 84,526,000 | $ 53,161 | $ 64,000 |
| Warren-Farmington Hills-Troy, MI | 1,299 | $ 64,465,000 | $ 49,626 | $ 70,000 |
| Chicago-Naperville-Joliet, IL | 1,222 | $ 58,876,000 | $ 48,180 | $ 80,000 |
| Detroit-Livonia-Dearborn, MI | 1,201 | $ 46,504,000 | $ 38,721 | $ 55,000 |
| Dayton, OH | 976 | $ 42,702,000 | $ 43,752 | $ 87,000 |
| Baltimore-Towson, MD | 928 | $ 40,983,000 | $ 44,162 | $ 99,000 |
| Akron, OH | 909 | $ 54,152,000 | $ 59,573 | $ 61,000 |
| Philadelphia, PA | 798 | $ 31,789,000 | $ 39,835 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 796 | $ 36,761,000 | $ 46,182 | $ 92,000 |
| Erie, PA | 725 | $ 45,560,000 | $ 62,841 | $ 62,000 |
| Youngstown-Warren-Boardman, OH-PA | 692 | $ 31,788,000 | $ 45,936 | $ 50,000 |
| Toledo, OH | 662 | $ 26,423,000 | $ 39,913 | $ 55,000 |
| Fort Wayne, IN | 639 | $ 33,592,000 | $ 52,569 | $ 63,000 |
| Bethesda-Frederick-Gaithersburg, MD | 575 | $ 32,260,000 | $ 56,104 | $ 102,000 |
| Lexington-Fayette, KY | 564 | $ 34,718,000 | $ 61,556 | $ 81,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 557 | $ 19,299,000 | $ 34,648 | $ 85,000 |
| Denver-Aurora, CO | 556 | $ 27,863,000 | $ 50,113 | $ 98,000 |
| Los Angeles-Long Beach-Glendale, CA | 524 | $ 46,305,000 | $ 88,368 | $ 163,000 |
| Seattle-Bellevue-Everett, WA | 522 | $ 29,004,000 | $ 55,563 | $ 102,000 |
| Atlanta-Sandy Springs-Marietta, GA | 425 | $ 18,139,000 | $ 42,680 | $ 98,000 |
| Bloomington-Normal, IL | 391 | $ 11,336,000 | $ 28,992 | $ 54,000 |
| Peoria, IL | 373 | $ 14,969,000 | $ 40,131 | $ 69,000 |
| Portland-Vancouver-Beaverton, OR-WA | 369 | $ 17,581,000 | $ 47,644 | $ 103,000 |
| Muskegon-Norton Shores, MI | 365 | $ 13,029,000 | $ 35,695 | $ 40,000 |
| Oakland-Fremont-Hayward, CA | 361 | $ 29,578,000 | $ 81,933 | $ 142,000 |
| Kalamazoo-Portage, MI | 355 | $ 18,803,000 | $ 52,966 | $ 70,000 |
| Canton-Massillon, OH | 343 | $ 17,822,000 | $ 51,959 | $ 56,000 |
| Boston-Quincy, MA | 339 | $ 21,085,000 | $ 62,197 | $ 104,000 |
| Grand Rapids-Wyoming, MI | 332 | $ 14,350,000 | $ 43,222 | $ 57,000 |
| Cincinnati-Middletown, OH-KY-IN | 296 | $ 12,700,000 | $ 42,905 | $ 73,000 |
| Springfield, IL | 286 | $ 10,027,000 | $ 35,059 | $ 52,000 |
| Richmond, VA | 285 | $ 10,267,000 | $ 36,024 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 283 | $ 17,538,000 | $ 61,971 | $ 108,000 |
| Springfield, OH | 281 | $ 10,169,000 | $ 36,188 | $ 53,000 |
| New York-Wayne-White Plains, NY-NJ | 280 | $ 24,769,000 | $ 88,460 | $ 131,000 |
| Rockford, IL | 279 | $ 10,418,000 | $ 37,340 | $ 69,000 |
| Gary, IN | 256 | $ 11,757,000 | $ 45,925 | $ 62,000 |
| Anderson, IN | 250 | $ 11,596,000 | $ 46,384 | $ 52,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 248 | $ 19,459,000 | $ 78,463 | $ 126,000 |
| Lansing-East Lansing, MI | 247 | $ 10,079,000 | $ 40,805 | $ 60,000 |
| Monroe, MI | 247 | $ 9,898,000 | $ 40,072 | $ 54,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 247 | $ 13,702,000 | $ 55,473 | $ 109,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 239 | $ 14,465,000 | $ 60,523 | $ 105,000 |
| Cambridge-Newton-Framingham, MA | 233 | $ 13,803,000 | $ 59,240 | $ 108,000 |
| Lake County-Kenosha County, IL-WI | 228 | $ 10,039,000 | $ 44,030 | $ 111,000 |
| Santa Ana-Anaheim-Irvine, CA | 228 | $ 21,667,000 | $ 95,030 | $ 141,000 |
| San Francisco-San Mateo-Redwood City, CA | 216 | $ 25,148,000 | $ 116,425 | $ 197,000 |
| Edison, NJ | 213 | $ 9,763,000 | $ 45,835 | $ 97,000 |
| Lancaster, PA | 213 | $ 6,196,000 | $ 29,089 | $ 72,000 |
| Saginaw-Saginaw Township North, MI | 205 | $ 13,437,000 | $ 65,546 | $ 70,000 |
| St. Louis, MO-IL | 197 | $ 9,618,000 | $ 48,822 | $ 74,000 |
| San Diego-Carlsbad-San Marcos, CA | 191 | $ 18,212,000 | $ 95,350 | $ 138,000 |
| Holland-Grand Haven, MI | 190 | $ 7,479,000 | $ 39,363 | $ 57,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 190 | $ 9,683,000 | $ 50,963 | $ 94,000 |
| Champaign-Urbana, IL | 189 | $ 5,979,000 | $ 31,634 | $ 69,000 |
| Owensboro, KY | 187 | $ 7,705,000 | $ 41,203 | $ 61,000 |
| York-Hanover, PA | 183 | $ 6,051,000 | $ 33,065 | $ 74,000 |
| Bay City, MI | 179 | $ 9,204,000 | $ 51,418 | $ 59,000 |
| Ann Arbor, MI | 177 | $ 10,663,000 | $ 60,242 | $ 66,000 |
| Bowling Green, KY | 175 | $ 8,885,000 | $ 50,771 | $ 47,000 |
| Kankakee-Bradley, IL | 174 | $ 4,681,000 | $ 26,902 | $ 50,000 |
| Dallas-Plano-Irving, TX | 166 | $ 6,560,000 | $ 39,518 | $ 117,000 |
| South Bend-Mishawaka, IN-MI | 161 | $ 8,007,000 | $ 49,732 | $ 53,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 158 | $ 6,547,000 | $ 41,436 | $ 83,000 |
| Harrisburg-Carlisle, PA | 144 | $ 4,560,000 | $ 31,666 | $ 94,000 |
| Kokomo, IN | 143 | $ 7,564,000 | $ 52,895 | $ 60,000 |
| Nassau-Suffolk, NY | 142 | $ 10,548,000 | $ 74,281 | $ 145,000 |
| Kansas City, MO-KS | 128 | $ 3,657,000 | $ 28,570 | $ 69,000 |
| Tucson, AZ | 128 | $ 4,654,000 | $ 36,359 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 125 | $ 4,459,000 | $ 35,672 | $ 88,000 |
| Houston-Baytown-Sugar Land, TX | 122 | $ 4,202,000 | $ 34,442 | $ 127,000 |
| Flint, MI | 121 | $ 5,117,000 | $ 42,289 | $ 54,000 |
| Raleigh-Cary, NC | 108 | $ 4,071,000 | $ 37,694 | $ 87,000 |
| Roanoke, VA | 108 | $ 3,186,000 | $ 29,500 | $ 71,000 |
| Decatur, IL | 105 | $ 2,945,000 | $ 28,047 | $ 46,000 |
| Sandusky, OH | 105 | $ 5,152,000 | $ 49,066 | $ 51,000 |
| Knoxville, TN | 103 | $ 3,180,000 | $ 30,873 | $ 76,000 |
| Orlando, FL | 98 | $ 4,140,000 | $ 42,244 | $ 68,000 |
| Camden, NJ | 97 | $ 4,042,000 | $ 41,670 | $ 89,000 |
| Austin-Round Rock, TX | 93 | $ 3,587,000 | $ 38,569 | $ 116,000 |
| Newark-Union, NJ-PA | 92 | $ 5,142,000 | $ 55,891 | $ 121,000 |
| Worcester, MA | 89 | $ 4,055,000 | $ 45,561 | $ 95,000 |
| Battle Creek, MI | 87 | $ 3,241,000 | $ 37,252 | $ 51,000 |
| Hartford-West Hartford-East Hartford, CT | 86 | $ 3,333,000 | $ 38,755 | $ 101,000 |
| Las Vegas-Paradise, NV | 84 | $ 4,926,000 | $ 58,642 | $ 177,000 |
| Michigan City-La Porte, IN | 82 | $ 3,563,000 | $ 43,451 | $ 54,000 |
| Bridgeport-Stamford-Norwalk, CT | 81 | $ 6,374,000 | $ 78,691 | $ 128,000 |
| Spokane, WA | 81 | $ 1,889,000 | $ 23,320 | $ 70,000 |
| Boulder, CO | 80 | $ 4,682,000 | $ 58,525 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 76 | $ 5,269,000 | $ 69,328 | $ 101,000 |
| Charlotte-Gastonia-Concord, NC-SC | 73 | $ 2,255,000 | $ 30,890 | $ 82,000 |
| Reading, PA | 72 | $ 2,211,000 | $ 30,708 | $ 67,000 |
| Tacoma, WA | 72 | $ 3,541,000 | $ 49,180 | $ 94,000 |
| Essex County, MA | 71 | $ 4,021,000 | $ 56,633 | $ 104,000 |
| Charlottesville, VA | 69 | $ 2,541,000 | $ 36,826 | $ 74,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 67 | $ 4,494,000 | $ 67,074 | $ 103,000 |
| Stockton, CA | 63 | $ 3,387,000 | $ 53,761 | $ 102,000 |
| Columbus, IN | 62 | $ 2,732,000 | $ 44,064 | $ 48,000 |
| Boise City-Nampa, ID | 60 | $ 1,608,000 | $ 26,800 | $ 64,000 |
| Elkhart-Goshen, IN | 60 | $ 3,733,000 | $ 62,216 | $ 57,000 |
| Providence-New Bedford-Fall River, RI-MA | 59 | $ 2,694,000 | $ 45,661 | $ 91,000 |
| Olympia, WA | 58 | $ 2,073,000 | $ 35,741 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 55 | $ 5,373,000 | $ 97,690 | $ 125,000 |
| Wilmington, NC | 52 | $ 1,588,000 | $ 30,538 | $ 122,000 |
| Bremerton-Silverdale, WA | 51 | $ 2,621,000 | $ 51,392 | $ 93,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 50 | $ 4,274,000 | $ 85,480 | $ 121,000 |
| Albuquerque, NM | 49 | $ 1,526,000 | $ 31,142 | $ 106,000 |
| Shreveport-Bossier City, LA | 49 | $ 1,445,000 | $ 29,489 | $ 82,000 |
| Nashville-Davidson--Murfreesboro, TN | 48 | $ 1,556,000 | $ 32,416 | $ 71,000 |
| Wilmington, DE-MD-NJ | 48 | $ 1,316,000 | $ 27,416 | $ 95,000 |
| Vallejo-Fairfield, CA | 46 | $ 2,886,000 | $ 62,739 | $ 119,000 |
| Greeley, CO | 44 | $ 1,445,000 | $ 32,840 | $ 118,000 |
| Hagerstown-Martinsburg, MD-WV | 42 | $ 1,214,000 | $ 28,904 | $ 77,000 |
| Morgantown, WV | 42 | $ 2,058,000 | $ 49,000 | $ 48,000 |
| Salt Lake City, UT | 42 | $ 2,580,000 | $ 61,428 | $ 148,000 |
| Colorado Springs, CO | 41 | $ 1,503,000 | $ 36,658 | $ 69,000 |
| Fort Worth-Arlington, TX | 40 | $ 1,208,000 | $ 30,200 | $ 94,000 |
| Greensboro-High Point, NC | 40 | $ 1,169,000 | $ 29,225 | $ 94,000 |
| New Haven-Milford, CT | 39 | $ 1,641,000 | $ 42,076 | $ 97,000 |
| New Orleans-Metairie-Kenner, LA | 39 | $ 1,342,000 | $ 34,410 | $ 84,000 |
| Naples-Marco Island, FL | 36 | $ 8,409,000 | $ 233,583 | $ 139,000 |
| Yakima, WA | 36 | $ 801,000 | $ 22,250 | $ 64,000 |
| Bloomington, IN | 35 | $ 1,260,000 | $ 36,000 | $ 73,000 |
| Springfield, MA | 35 | $ 1,160,000 | $ 33,142 | $ 74,000 |
| Rockingham County-Strafford County, NH | 33 | $ 1,697,000 | $ 51,424 | $ 115,000 |
| Santa Cruz-Watsonville, CA | 33 | $ 3,138,000 | $ 95,090 | $ 133,000 |
| Longview, WA | 31 | $ 873,000 | $ 28,161 | $ 52,000 |
| Charleston-North Charleston, SC | 29 | $ 1,327,000 | $ 45,758 | $ 97,000 |
| Milwaukee-Waukesha-West Allis, WI | 29 | $ 1,180,000 | $ 40,689 | $ 102,000 |
| Jacksonville, FL | 28 | $ 1,126,000 | $ 40,214 | $ 86,000 |
| Mansfield, OH | 28 | $ 1,071,000 | $ 38,250 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 27 | $ 847,000 | $ 31,370 | $ 87,000 |
| Dover, DE | 27 | $ 851,000 | $ 31,518 | $ 97,000 |
| Jackson, MI | 27 | $ 928,000 | $ 34,370 | $ 68,000 |
| Lebanon, PA | 27 | $ 843,000 | $ 31,222 | $ 79,000 |
| Reno-Sparks, NV | 27 | $ 1,707,000 | $ 63,222 | $ 125,000 |
| Weirton-Steubenville, WV-OH | 27 | $ 1,227,000 | $ 45,444 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 26 | $ 645,000 | $ 24,807 | $ 82,000 |
| Oklahoma City, OK | 26 | $ 675,000 | $ 25,961 | $ 80,000 |
| Cape Coral-Fort Myers, FL | 25 | $ 2,351,000 | $ 94,040 | $ 210,000 |
| Eugene-Springfield, OR | 25 | $ 772,000 | $ 30,880 | $ 97,000 |
| Santa Rosa-Petaluma, CA | 25 | $ 1,867,000 | $ 74,680 | $ 121,000 |
| Lafayette, IN | 24 | $ 1,808,000 | $ 75,333 | $ 67,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 23 | $ 796,000 | $ 34,608 | $ 79,000 |
| San Antonio, TX | 23 | $ 795,000 | $ 34,565 | $ 155,000 |
| Bend, OR | 22 | $ 772,000 | $ 35,090 | $ 110,000 |
| Flagstaff, AZ | 22 | $ 940,000 | $ 42,727 | $ 81,000 |
| Provo-Orem, UT | 22 | $ 583,000 | $ 26,500 | $ 57,000 |
| Atlantic City, NJ | 21 | $ 818,000 | $ 38,952 | $ 84,000 |
| Elizabethtown, KY | 21 | $ 866,000 | $ 41,238 | $ 54,000 |
| Fort Collins-Loveland, CO | 21 | $ 954,000 | $ 45,428 | $ 75,000 |
| Niles-Benton Harbor, MI | 21 | $ 953,000 | $ 45,380 | $ 58,000 |
| Panama City-Lynn Haven, FL | 21 | $ 689,000 | $ 32,809 | $ 115,000 |
| State College, PA | 21 | $ 689,000 | $ 32,809 | $ 80,000 |
| Rochester, NY | 20 | $ 599,000 | $ 29,950 | $ 75,000 |
| Yuba City, CA | 20 | $ 668,000 | $ 33,400 | $ 71,000 |
| Norwich-New London, CT | 19 | $ 1,033,000 | $ 54,368 | $ 125,000 |
| Sarasota-Bradenton-Venice, FL | 19 | $ 3,288,000 | $ 173,052 | $ 199,000 |
| Bakersfield, CA | 18 | $ 973,000 | $ 54,055 | $ 123,000 |
| Burlington-South Burlington, VT | 18 | $ 678,000 | $ 37,666 | $ 71,000 |
| Durham, NC | 18 | $ 881,000 | $ 48,944 | $ 141,000 |
| Medford, OR | 18 | $ 637,000 | $ 35,388 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 18 | $ 934,000 | $ 51,888 | $ 100,000 |
| Barnstable Town, MA | 17 | $ 1,250,000 | $ 73,529 | $ 134,000 |
| Prescott, AZ | 17 | $ 869,000 | $ 51,117 | $ 105,000 |
| Savannah, GA | 17 | $ 504,000 | $ 29,647 | $ 72,000 |
| Buffalo-Niagara Falls, NY | 16 | $ 710,000 | $ 44,375 | $ 105,000 |
| Manchester-Nashua, NH | 16 | $ 552,000 | $ 34,500 | $ 78,000 |
| Modesto, CA | 16 | $ 690,000 | $ 43,125 | $ 78,000 |
| Redding, CA | 16 | $ 543,000 | $ 33,937 | $ 72,000 |
| Trenton-Ewing, NJ | 16 | $ 833,000 | $ 52,062 | $ 105,000 |
| Warner Robins, GA | 16 | $ 492,000 | $ 30,750 | $ 78,000 |
| Danville, IL | 15 | $ 505,000 | $ 33,666 | $ 53,000 |
| Huntington-Ashland, WV-KY-OH | 15 | $ 717,000 | $ 47,800 | $ 47,000 |
| Lynchburg, VA | 15 | $ 345,000 | $ 23,000 | $ 80,000 |
| Scranton--Wilkes-Barre, PA | 15 | $ 594,000 | $ 39,600 | $ 66,000 |
| Baton Rouge, LA | 14 | $ 520,000 | $ 37,142 | $ 81,000 |
| Merced, CA | 14 | $ 720,000 | $ 51,428 | $ 97,000 |
| Santa Fe, NM | 14 | $ 879,000 | $ 62,785 | $ 136,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 558,000 | $ 42,923 | $ 77,000 |
| Johnstown, PA | 13 | $ 1,101,000 | $ 84,692 | $ 67,000 |
| Salinas, CA | 13 | $ 1,101,000 | $ 84,692 | $ 98,000 |
| Salem, OR | 12 | $ 647,000 | $ 53,916 | $ 75,000 |
| Des Moines, IA | 11 | $ 376,000 | $ 34,181 | $ 69,000 |
| Greenville, SC | 11 | $ 359,000 | $ 32,636 | $ 81,000 |
| Harrisonburg, VA | 11 | $ 407,000 | $ 37,000 | $ 56,000 |
| Lakeland, FL | 11 | $ 272,000 | $ 24,727 | $ 87,000 |
| Macon, GA | 11 | $ 259,000 | $ 23,545 | $ 79,000 |
| Memphis, TN-MS-AR | 11 | $ 489,000 | $ 44,454 | $ 108,000 |
| Muncie, IN | 11 | $ 352,000 | $ 32,000 | $ 46,000 |
| Ogden-Clearfield, UT | 11 | $ 303,000 | $ 27,545 | $ 70,000 |
| Salisbury, MD | 11 | $ 507,000 | $ 46,090 | $ 86,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 358,000 | $ 35,800 | $ 69,000 |
| Ocean City, NJ | 10 | $ 501,000 | $ 50,100 | $ 170,000 |
| Portland-South Portland-Biddeford, ME | 10 | $ 485,000 | $ 48,500 | $ 100,000 |
| Wheeling, WV-OH | 10 | $ 427,000 | $ 42,700 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 9 | $ 608,000 | $ 67,555 | $ 59,000 |
| El Paso, TX | 9 | $ 253,000 | $ 28,111 | $ 115,000 |
| Greenville, NC | 9 | $ 321,000 | $ 35,666 | $ 88,000 |
| Honolulu, HI | 9 | $ 1,039,000 | $ 115,444 | $ 169,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 9 | $ 425,000 | $ 47,222 | $ 79,000 |
| Port St. Lucie-Fort Pierce, FL | 9 | $ 642,000 | $ 71,333 | $ 160,000 |
| Punta Gorda, FL | 9 | $ 497,000 | $ 55,222 | $ 81,000 |
| Springfield, MO | 9 | $ 205,000 | $ 22,777 | $ 43,000 |
| Tallahassee, FL | 9 | $ 308,000 | $ 34,222 | $ 94,000 |
| Visalia-Porterville, CA | 9 | $ 293,000 | $ 32,555 | $ 69,000 |
| Williamsport, PA | 9 | $ 270,000 | $ 30,000 | $ 84,000 |
| Winchester, VA-WV | 9 | $ 524,000 | $ 58,222 | $ 111,000 |
| Bellingham, WA | 8 | $ 347,000 | $ 43,375 | $ 57,000 |
| Fresno, CA | 8 | $ 621,000 | $ 77,625 | $ 147,000 |
| Green Bay, WI | 8 | $ 295,000 | $ 36,875 | $ 82,000 |
| Kingston, NY | 8 | $ 261,000 | $ 32,625 | $ 93,000 |
| Winston-Salem, NC | 8 | $ 558,000 | $ 69,750 | $ 60,000 |
| Altoona, PA | 7 | $ 349,000 | $ 49,857 | $ 59,000 |
| Athens-Clarke County, GA | 7 | $ 168,000 | $ 24,000 | $ 96,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 188,000 | $ 26,857 | $ 86,000 |
| Duluth, MN-WI | 7 | $ 535,000 | $ 76,428 | $ 132,000 |
| Kennewick-Richland-Pasco, WA | 7 | $ 302,000 | $ 43,142 | $ 54,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 537,000 | $ 76,714 | $ 158,000 |
| Asheville, NC | 6 | $ 373,000 | $ 62,166 | $ 105,000 |
| Chattanooga, TN-GA | 6 | $ 247,000 | $ 41,166 | $ 96,000 |
| Evansville, IN-KY | 6 | $ 247,000 | $ 41,166 | $ 64,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 257,000 | $ 42,833 | $ 66,000 |
| Gainesville, GA | 6 | $ 160,000 | $ 26,666 | $ 74,000 |
| Madison, WI | 6 | $ 151,000 | $ 25,166 | $ 59,000 |
| Napa, CA | 6 | $ 395,000 | $ 65,833 | $ 125,000 |
| Tulsa, OK | 6 | $ 200,000 | $ 33,333 | $ 124,000 |
| Burlington, NC | 5 | $ 106,000 | $ 21,200 | $ 61,000 |
| El Centro, CA | 5 | $ 151,000 | $ 30,200 | $ 80,000 |
| Fort Walton Beach-Crestview-Destin, FL | 5 | $ 321,000 | $ 64,200 | $ 94,000 |
| Idaho Falls, ID | 5 | $ 102,000 | $ 20,400 | $ 64,000 |
| Jacksonville, NC | 5 | $ 345,000 | $ 69,000 | $ 268,000 |
| Little Rock-North Little Rock, AR | 5 | $ 195,000 | $ 39,000 | $ 88,000 |
| Morristown, TN | 5 | $ 239,000 | $ 47,800 | $ 45,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 204,000 | $ 40,800 | $ 97,000 |
| Pittsfield, MA | 5 | $ 110,000 | $ 22,000 | $ 128,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 970,000 | $ 194,000 | $ 247,000 |
| Terre Haute, IN | 5 | $ 307,000 | $ 61,400 | $ 57,000 |
| Tyler, TX | 5 | $ 111,000 | $ 22,200 | $ 148,000 |
| Vineland-Millville-Bridgeton, NJ | 5 | $ 208,000 | $ 41,600 | $ 104,000 |
| Charleston, WV | 4 | $ 187,000 | $ 46,750 | $ 50,000 |
| Cleveland, TN | 4 | $ 87,000 | $ 21,750 | $ 62,000 |
| Coeur D'Alene, ID | 4 | $ 127,000 | $ 31,750 | $ 301,000 |
| Columbia, SC | 4 | $ 258,000 | $ 64,500 | $ 129,000 |
| Cumberland, MD-WV | 4 | $ 140,000 | $ 35,000 | $ 71,000 |
| Eau Claire, WI | 4 | $ 97,000 | $ 24,250 | $ 76,000 |
| Gainesville, FL | 4 | $ 278,000 | $ 69,500 | $ 65,000 |
| Grand Junction, CO | 4 | $ 232,000 | $ 58,000 | $ 107,000 |
| Madera, CA | 4 | $ 188,000 | $ 47,000 | $ 127,000 |
| Monroe, LA | 4 | $ 105,000 | $ 26,250 | $ 77,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 103,000 | $ 25,750 | $ 86,000 |
| Pueblo, CO | 4 | $ 107,000 | $ 26,750 | $ 106,000 |
| St. George, UT | 4 | $ 83,000 | $ 20,750 | $ 62,000 |
| Syracuse, NY | 4 | $ 83,000 | $ 20,750 | $ 58,000 |
| Vero Beach, FL | 4 | $ 615,000 | $ 153,750 | $ 200,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 95,000 | $ 23,750 | $ 50,000 |
| Wichita, KS | 4 | $ 117,000 | $ 29,250 | $ 67,000 |
| Carson City, NV | 3 | $ 79,000 | $ 26,333 | $ 103,000 |
| Chico, CA | 3 | $ 154,000 | $ 51,333 | $ 149,000 |
| Clarksville, TN-KY | 3 | $ 49,000 | $ 16,333 | $ 72,000 |
| Corpus Christi, TX | 3 | $ 126,000 | $ 42,000 | $ 270,000 |
| Corvallis, OR | 3 | $ 89,000 | $ 29,666 | $ 54,000 |
| Fargo, ND-MN | 3 | $ 58,000 | $ 19,333 | $ 56,000 |
| Fond Du Lac, WI | 3 | $ 69,000 | $ 23,000 | $ 67,000 |
| Lafayette, LA | 3 | $ 260,000 | $ 86,666 | $ 517,000 |
| Lake Charles, LA | 3 | $ 741,000 | $ 247,000 | $ 89,000 |
| Las Cruces, NM | 3 | $ 53,000 | $ 17,666 | $ 86,000 |
| Lima, OH | 3 | $ 89,000 | $ 29,666 | $ 107,000 |
| Lincoln, NE | 3 | $ 150,000 | $ 50,000 | $ 91,000 |
| McAllen-Edinburg-Pharr, TX | 3 | $ 381,000 | $ 127,000 | $ 230,000 |
| Midland, TX | 3 | $ 70,000 | $ 23,333 | $ 66,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 63,000 | $ 21,000 | $ 73,000 |
| Sherman-Denison, TX | 3 | $ 57,000 | $ 19,000 | $ 163,000 |
| Sioux Falls, SD | 3 | $ 97,000 | $ 32,333 | $ 109,000 |
| St. Cloud, MN | 3 | $ 77,000 | $ 25,666 | $ 51,000 |
| Appleton, WI | 2 | $ 34,000 | $ 17,000 | $ 65,000 |
| Beaumont-Port Arthur, TX | 2 | $ 36,000 | $ 18,000 | $ 43,000 |
| Brownsville-Harlingen, TX | 2 | $ 70,000 | $ 35,000 | $ 77,000 |
| Cedar Rapids, IA | 2 | $ 86,000 | $ 43,000 | $ 53,000 |
| Columbia, MO | 2 | $ 20,000 | $ 10,000 | $ 72,000 |
| Janesville, WI | 2 | $ 41,000 | $ 20,500 | $ 56,000 |
| Jefferson City, MO | 2 | $ 90,000 | $ 45,000 | $ 59,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 25,000 | $ 12,500 | $ 47,000 |
| Logan, UT-ID | 2 | $ 27,000 | $ 13,500 | $ 39,000 |
| Spartanburg, SC | 2 | $ 63,000 | $ 31,500 | $ 59,000 |
| Valdosta, GA | 2 | $ 39,000 | $ 19,500 | $ 53,000 |
| Wenatchee, WA | 2 | $ 38,000 | $ 19,000 | $ 91,000 |
| Yuma, AZ | 2 | $ 45,000 | $ 22,500 | $ 30,000 |
| Abilene, TX | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Albany, GA | 1 | $ 31,000 | $ 31,000 | $ 70,000 |
| Billings, MT | 1 | $ 10,000 | $ 10,000 | $ 81,000 |
| Binghamton, NY | 1 | $ 84,000 | $ 84,000 | $ 90,000 |
| Brunswick, GA | 1 | $ 54,000 | $ 54,000 | $ 249,000 |
| Casper, WY | 1 | $ 38,000 | $ 38,000 | $ 100,000 |
| College Station-Bryan, TX | 1 | $ 50,000 | $ 50,000 | $ 130,000 |
| Dalton, GA | 1 | $ 13,000 | $ 13,000 | $ 119,000 |
| Danville, VA | 1 | $ 29,000 | $ 29,000 | $ 41,000 |
| Fayetteville, NC | 1 | $ 67,000 | $ 67,000 | $ 113,000 |
| Gulfport-Biloxi, MS | 1 | $ 13,000 | $ 13,000 | $ 91,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 19,000 | $ 19,000 | $ 52,000 |
| Iowa City, IA | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Ithaca, NY | 1 | $ 34,000 | $ 34,000 | $ 41,000 |
| Jackson, MS | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Johnson City, TN | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Joplin, MO | 1 | $ 60,000 | $ 60,000 | $ 178,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 95,000 | $ 95,000 | $ 167,000 |
| La Crosse, WI-MN | 1 | $ 16,000 | $ 16,000 | $ 37,000 |
| Lawrence, KS | 1 | $ 46,000 | $ 46,000 | $ 153,000 |
| Lewiston, ID-WA | 1 | $ 19,000 | $ 19,000 | $ 73,000 |
| Lewiston-Auburn, ME | 1 | $ 36,000 | $ 36,000 | $ 183,000 |
| Longview, TX | 1 | $ 65,000 | $ 65,000 | $ 191,000 |
| Lubbock, TX | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Missoula, MT | 1 | $ 22,000 | $ 22,000 | $ 77,000 |
| Montgomery, AL | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Ocala, FL | 1 | $ 76,000 | $ 76,000 | $ 264,000 |
| Oshkosh-Neenah, WI | 1 | $ 23,000 | $ 23,000 | $ 58,000 |
| Racine, WI | 1 | $ 43,000 | $ 43,000 | $ 103,000 |
| Rapid City, SD | 1 | $ 10,000 | $ 10,000 | $ 62,000 |
| Rochester, MN | 1 | $ 34,000 | $ 34,000 | $ 68,000 |
| Sheboygan, WI | 1 | $ 10,000 | $ 10,000 | $ 30,000 |
| St. Joseph, MO-KS | 1 | $ 68,000 | $ 68,000 | $ 358,000 |
| Sumter, SC | 1 | $ 17,000 | $ 17,000 | $ 87,000 |
| Utica-Rome, NY | 1 | $ 90,000 | $ 90,000 | $ 80,000 |
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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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