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Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 7,520 | $ 468,830,000 | $ 62,344 | $ 67,000 |
| Cleveland-Elyria-Mentor, OH | 2,811 | $ 165,549,000 | $ 58,893 | $ 69,000 |
| Columbus, OH | 1,716 | $ 88,723,000 | $ 51,703 | $ 66,000 |
| Chicago-Naperville-Joliet, IL | 1,681 | $ 86,768,000 | $ 51,616 | $ 89,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,602 | $ 96,973,000 | $ 60,532 | $ 89,000 |
| Indianapolis, IN | 1,577 | $ 82,467,000 | $ 52,293 | $ 73,000 |
| Louisville, KY-IN | 1,271 | $ 71,040,000 | $ 55,892 | $ 66,000 |
| Warren-Farmington Hills-Troy, MI | 1,270 | $ 68,706,000 | $ 54,099 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 1,078 | $ 70,407,000 | $ 65,312 | $ 106,000 |
| Dayton, OH | 1,018 | $ 51,839,000 | $ 50,922 | $ 67,000 |
| Cincinnati-Middletown, OH-KY-IN | 953 | $ 48,124,000 | $ 50,497 | $ 75,000 |
| Baltimore-Towson, MD | 950 | $ 47,194,000 | $ 49,677 | $ 113,000 |
| Detroit-Livonia-Dearborn, MI | 938 | $ 38,968,000 | $ 41,543 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 852 | $ 42,035,000 | $ 49,336 | $ 95,000 |
| Los Angeles-Long Beach-Glendale, CA | 791 | $ 81,215,000 | $ 102,673 | $ 151,000 |
| Denver-Aurora, CO | 758 | $ 40,765,000 | $ 53,779 | $ 96,000 |
| Philadelphia, PA | 727 | $ 35,004,000 | $ 48,148 | $ 100,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 692 | $ 39,122,000 | $ 56,534 | $ 88,000 |
| Akron, OH | 683 | $ 36,729,000 | $ 53,775 | $ 60,000 |
| St. Louis, MO-IL | 652 | $ 29,776,000 | $ 45,668 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 644 | $ 29,295,000 | $ 45,489 | $ 101,000 |
| Erie, PA | 579 | $ 36,692,000 | $ 63,371 | $ 71,000 |
| Toledo, OH | 573 | $ 28,067,000 | $ 48,982 | $ 66,000 |
| Youngstown-Warren-Boardman, OH-PA | 556 | $ 33,687,000 | $ 60,588 | $ 57,000 |
| Nassau-Suffolk, NY | 538 | $ 41,167,000 | $ 76,518 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 512 | $ 49,450,000 | $ 96,582 | $ 158,000 |
| New York-Wayne-White Plains, NY-NJ | 500 | $ 46,613,000 | $ 93,226 | $ 133,000 |
| Bethesda-Frederick-Gaithersburg, MD | 482 | $ 31,968,000 | $ 66,323 | $ 111,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 470 | $ 21,245,000 | $ 45,202 | $ 95,000 |
| Edison, NJ | 466 | $ 31,753,000 | $ 68,139 | $ 139,000 |
| Fort Wayne, IN | 452 | $ 18,965,000 | $ 41,957 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 417 | $ 26,731,000 | $ 64,103 | $ 76,000 |
| Kalamazoo-Portage, MI | 387 | $ 24,162,000 | $ 62,434 | $ 66,000 |
| Boston-Quincy, MA | 386 | $ 25,387,000 | $ 65,769 | $ 111,000 |
| Peoria, IL | 378 | $ 12,213,000 | $ 32,309 | $ 60,000 |
| Riverside-San Bernardino-Ontario, CA | 354 | $ 28,826,000 | $ 81,429 | $ 118,000 |
| Lexington-Fayette, KY | 353 | $ 20,677,000 | $ 58,575 | $ 64,000 |
| Dallas-Plano-Irving, TX | 351 | $ 15,290,000 | $ 43,561 | $ 144,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 335 | $ 27,003,000 | $ 80,605 | $ 130,000 |
| San Diego-Carlsbad-San Marcos, CA | 317 | $ 30,407,000 | $ 95,921 | $ 133,000 |
| Springfield, IL | 315 | $ 10,382,000 | $ 32,958 | $ 68,000 |
| Muskegon-Norton Shores, MI | 308 | $ 13,610,000 | $ 44,188 | $ 50,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 306 | $ 32,626,000 | $ 106,620 | $ 148,000 |
| Tucson, AZ | 301 | $ 13,547,000 | $ 45,006 | $ 82,000 |
| Canton-Massillon, OH | 299 | $ 16,665,000 | $ 55,735 | $ 58,000 |
| Tacoma, WA | 296 | $ 16,668,000 | $ 56,310 | $ 99,000 |
| San Francisco-San Mateo-Redwood City, CA | 295 | $ 39,194,000 | $ 132,861 | $ 195,000 |
| Bloomington-Normal, IL | 289 | $ 9,219,000 | $ 31,899 | $ 78,000 |
| Lansing-East Lansing, MI | 283 | $ 18,173,000 | $ 64,215 | $ 79,000 |
| Charlotte-Gastonia-Concord, NC-SC | 279 | $ 11,509,000 | $ 41,250 | $ 86,000 |
| Gary, IN | 279 | $ 12,587,000 | $ 45,114 | $ 67,000 |
| Santa Ana-Anaheim-Irvine, CA | 279 | $ 30,162,000 | $ 108,107 | $ 171,000 |
| Newark-Union, NJ-PA | 278 | $ 20,172,000 | $ 72,561 | $ 131,000 |
| Richmond, VA | 271 | $ 11,669,000 | $ 43,059 | $ 102,000 |
| Camden, NJ | 263 | $ 13,505,000 | $ 51,349 | $ 103,000 |
| Orlando, FL | 261 | $ 15,117,000 | $ 57,919 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 258 | $ 14,019,000 | $ 54,337 | $ 94,000 |
| Anderson, IN | 251 | $ 12,525,000 | $ 49,900 | $ 49,000 |
| Cambridge-Newton-Framingham, MA | 240 | $ 15,362,000 | $ 64,008 | $ 120,000 |
| Springfield, OH | 238 | $ 9,504,000 | $ 39,932 | $ 52,000 |
| Austin-Round Rock, TX | 227 | $ 8,529,000 | $ 37,572 | $ 128,000 |
| Rockford, IL | 226 | $ 7,621,000 | $ 33,721 | $ 57,000 |
| Salt Lake City, UT | 220 | $ 12,333,000 | $ 56,059 | $ 85,000 |
| Kansas City, MO-KS | 218 | $ 8,167,000 | $ 37,463 | $ 78,000 |
| Milwaukee-Waukesha-West Allis, WI | 214 | $ 9,441,000 | $ 44,116 | $ 88,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 209 | $ 15,631,000 | $ 74,789 | $ 166,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 202 | $ 17,162,000 | $ 84,960 | $ 147,000 |
| Hartford-West Hartford-East Hartford, CT | 198 | $ 9,990,000 | $ 50,454 | $ 92,000 |
| Bridgeport-Stamford-Norwalk, CT | 188 | $ 14,994,000 | $ 79,755 | $ 113,000 |
| Lake County-Kenosha County, IL-WI | 187 | $ 10,673,000 | $ 57,074 | $ 98,000 |
| Monroe, MI | 186 | $ 11,158,000 | $ 59,989 | $ 66,000 |
| Las Vegas-Paradise, NV | 183 | $ 12,463,000 | $ 68,103 | $ 104,000 |
| Houston-Baytown-Sugar Land, TX | 181 | $ 6,495,000 | $ 35,883 | $ 110,000 |
| Holland-Grand Haven, MI | 179 | $ 11,315,000 | $ 63,212 | $ 85,000 |
| Ann Arbor, MI | 177 | $ 11,576,000 | $ 65,401 | $ 81,000 |
| Raleigh-Cary, NC | 174 | $ 6,599,000 | $ 37,925 | $ 88,000 |
| Saginaw-Saginaw Township North, MI | 168 | $ 7,540,000 | $ 44,880 | $ 62,000 |
| Champaign-Urbana, IL | 162 | $ 5,118,000 | $ 31,592 | $ 64,000 |
| Lancaster, PA | 152 | $ 4,637,000 | $ 30,506 | $ 70,000 |
| Miami-Miami Beach-Kendall, FL | 152 | $ 14,119,000 | $ 92,888 | $ 170,000 |
| Harrisburg-Carlisle, PA | 150 | $ 5,088,000 | $ 33,920 | $ 82,000 |
| Flint, MI | 144 | $ 5,423,000 | $ 37,659 | $ 68,000 |
| South Bend-Mishawaka, IN-MI | 141 | $ 6,966,000 | $ 49,404 | $ 86,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 139 | $ 10,136,000 | $ 72,920 | $ 117,000 |
| Worcester, MA | 136 | $ 7,418,000 | $ 54,544 | $ 113,000 |
| Bay City, MI | 131 | $ 7,910,000 | $ 60,381 | $ 83,000 |
| Boulder, CO | 131 | $ 7,261,000 | $ 55,427 | $ 95,000 |
| Vallejo-Fairfield, CA | 131 | $ 9,665,000 | $ 73,778 | $ 100,000 |
| York-Hanover, PA | 130 | $ 5,439,000 | $ 41,838 | $ 79,000 |
| Kankakee-Bradley, IL | 127 | $ 3,215,000 | $ 25,314 | $ 57,000 |
| Bowling Green, KY | 126 | $ 5,608,000 | $ 44,507 | $ 68,000 |
| Owensboro, KY | 125 | $ 5,819,000 | $ 46,552 | $ 54,000 |
| Providence-New Bedford-Fall River, RI-MA | 125 | $ 6,330,000 | $ 50,640 | $ 95,000 |
| Spokane, WA | 125 | $ 4,140,000 | $ 33,120 | $ 74,000 |
| New Haven-Milford, CT | 121 | $ 6,367,000 | $ 52,619 | $ 98,000 |
| Albany-Schenectady-Troy, NY | 120 | $ 5,387,000 | $ 44,891 | $ 87,000 |
| Essex County, MA | 112 | $ 7,657,000 | $ 68,366 | $ 102,000 |
| Boise City-Nampa, ID | 109 | $ 3,965,000 | $ 36,376 | $ 81,000 |
| Jacksonville, FL | 108 | $ 4,855,000 | $ 44,953 | $ 91,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 108 | $ 5,927,000 | $ 54,879 | $ 90,000 |
| Fort Worth-Arlington, TX | 106 | $ 3,887,000 | $ 36,669 | $ 214,000 |
| Buffalo-Niagara Falls, NY | 104 | $ 3,641,000 | $ 35,009 | $ 76,000 |
| Wilmington, DE-MD-NJ | 104 | $ 4,872,000 | $ 46,846 | $ 100,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 100 | $ 4,872,000 | $ 48,720 | $ 106,000 |
| Oklahoma City, OK | 100 | $ 4,148,000 | $ 41,480 | $ 77,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 99 | $ 8,546,000 | $ 86,323 | $ 123,000 |
| Battle Creek, MI | 90 | $ 4,091,000 | $ 45,455 | $ 53,000 |
| Tulsa, OK | 90 | $ 3,775,000 | $ 41,944 | $ 87,000 |
| Roanoke, VA | 89 | $ 2,794,000 | $ 31,393 | $ 78,000 |
| Michigan City-La Porte, IN | 88 | $ 4,170,000 | $ 47,386 | $ 61,000 |
| Wilmington, NC | 86 | $ 4,245,000 | $ 49,360 | $ 68,000 |
| Madison, WI | 85 | $ 3,582,000 | $ 42,141 | $ 82,000 |
| Bremerton-Silverdale, WA | 83 | $ 4,902,000 | $ 59,060 | $ 90,000 |
| Colorado Springs, CO | 83 | $ 3,467,000 | $ 41,771 | $ 86,000 |
| Provo-Orem, UT | 82 | $ 3,410,000 | $ 41,585 | $ 65,000 |
| Reno-Sparks, NV | 78 | $ 5,135,000 | $ 65,833 | $ 100,000 |
| Nashville-Davidson--Murfreesboro, TN | 77 | $ 3,175,000 | $ 41,233 | $ 88,000 |
| Kokomo, IN | 74 | $ 3,385,000 | $ 45,743 | $ 62,000 |
| Sandusky, OH | 72 | $ 3,567,000 | $ 49,541 | $ 63,000 |
| Eugene-Springfield, OR | 70 | $ 3,290,000 | $ 47,000 | $ 69,000 |
| Charlottesville, VA | 68 | $ 3,753,000 | $ 55,191 | $ 94,000 |
| Fort Collins-Loveland, CO | 67 | $ 2,886,000 | $ 43,074 | $ 87,000 |
| Olympia, WA | 66 | $ 2,909,000 | $ 44,075 | $ 107,000 |
| Cape Coral-Fort Myers, FL | 65 | $ 7,713,000 | $ 118,661 | $ 139,000 |
| Santa Rosa-Petaluma, CA | 65 | $ 5,741,000 | $ 88,323 | $ 136,000 |
| Sarasota-Bradenton-Venice, FL | 65 | $ 8,002,000 | $ 123,107 | $ 120,000 |
| Decatur, IL | 64 | $ 2,144,000 | $ 33,500 | $ 78,000 |
| Greensboro-High Point, NC | 64 | $ 2,603,000 | $ 40,671 | $ 77,000 |
| Charleston-North Charleston, SC | 60 | $ 2,583,000 | $ 43,050 | $ 83,000 |
| Greeley, CO | 60 | $ 2,399,000 | $ 39,983 | $ 82,000 |
| Jackson, MI | 60 | $ 3,651,000 | $ 60,850 | $ 62,000 |
| Ogden-Clearfield, UT | 60 | $ 3,565,000 | $ 59,416 | $ 100,000 |
| Atlantic City, NJ | 58 | $ 3,259,000 | $ 56,189 | $ 97,000 |
| Longview, WA | 58 | $ 2,040,000 | $ 35,172 | $ 85,000 |
| Knoxville, TN | 56 | $ 1,689,000 | $ 30,160 | $ 84,000 |
| Salem, OR | 55 | $ 2,774,000 | $ 50,436 | $ 89,000 |
| Springfield, MA | 55 | $ 2,248,000 | $ 40,872 | $ 109,000 |
| Stockton, CA | 54 | $ 6,120,000 | $ 113,333 | $ 165,000 |
| Greenville, SC | 53 | $ 1,591,000 | $ 30,018 | $ 72,000 |
| Palm Bay-Melbourne-Titusville, FL | 53 | $ 3,534,000 | $ 66,679 | $ 65,000 |
| Rochester, NY | 53 | $ 2,046,000 | $ 38,603 | $ 72,000 |
| Reading, PA | 51 | $ 1,832,000 | $ 35,921 | $ 90,000 |
| Elkhart-Goshen, IN | 49 | $ 3,677,000 | $ 75,040 | $ 132,000 |
| Shreveport-Bossier City, LA | 49 | $ 1,425,000 | $ 29,081 | $ 72,000 |
| Trenton-Ewing, NJ | 48 | $ 3,432,000 | $ 71,500 | $ 155,000 |
| New Orleans-Metairie-Kenner, LA | 47 | $ 1,417,000 | $ 30,148 | $ 75,000 |
| Rockingham County-Strafford County, NH | 46 | $ 3,395,000 | $ 73,804 | $ 106,000 |
| Bend, OR | 45 | $ 2,883,000 | $ 64,066 | $ 138,000 |
| Columbus, IN | 45 | $ 1,793,000 | $ 39,844 | $ 59,000 |
| Durham, NC | 45 | $ 2,170,000 | $ 48,222 | $ 102,000 |
| Portland-South Portland-Biddeford, ME | 45 | $ 2,494,000 | $ 55,422 | $ 95,000 |
| Albuquerque, NM | 42 | $ 2,293,000 | $ 54,595 | $ 141,000 |
| Hagerstown-Martinsburg, MD-WV | 40 | $ 1,797,000 | $ 44,925 | $ 107,000 |
| Modesto, CA | 40 | $ 2,524,000 | $ 63,100 | $ 99,000 |
| Medford, OR | 39 | $ 3,142,000 | $ 80,564 | $ 99,000 |
| Bakersfield, CA | 38 | $ 2,453,000 | $ 64,552 | $ 119,000 |
| Naples-Marco Island, FL | 38 | $ 7,636,000 | $ 200,947 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 38 | $ 2,217,000 | $ 58,342 | $ 167,000 |
| Prescott, AZ | 38 | $ 2,569,000 | $ 67,605 | $ 86,000 |
| Syracuse, NY | 38 | $ 1,567,000 | $ 41,236 | $ 68,000 |
| Bellingham, WA | 36 | $ 2,401,000 | $ 66,694 | $ 87,000 |
| Green Bay, WI | 36 | $ 1,486,000 | $ 41,277 | $ 74,000 |
| Morgantown, WV | 36 | $ 1,963,000 | $ 54,527 | $ 94,000 |
| Lebanon, PA | 34 | $ 1,062,000 | $ 31,235 | $ 72,000 |
| Wichita, KS | 34 | $ 1,048,000 | $ 30,823 | $ 72,000 |
| Asheville, NC | 33 | $ 2,119,000 | $ 64,212 | $ 104,000 |
| Norwich-New London, CT | 33 | $ 1,607,000 | $ 48,696 | $ 89,000 |
| Topeka, KS | 33 | $ 1,225,000 | $ 37,121 | $ 80,000 |
| Mansfield, OH | 31 | $ 1,569,000 | $ 50,612 | $ 54,000 |
| Port St. Lucie-Fort Pierce, FL | 31 | $ 5,053,000 | $ 163,000 | $ 77,000 |
| Winston-Salem, NC | 31 | $ 1,493,000 | $ 48,161 | $ 64,000 |
| Manchester-Nashua, NH | 30 | $ 1,498,000 | $ 49,933 | $ 92,000 |
| Dover, DE | 29 | $ 1,382,000 | $ 47,655 | $ 90,000 |
| Duluth, MN-WI | 29 | $ 1,124,000 | $ 38,758 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 29 | $ 3,086,000 | $ 106,413 | $ 198,000 |
| Ocean City, NJ | 28 | $ 2,203,000 | $ 78,678 | $ 200,000 |
| San Antonio, TX | 28 | $ 790,000 | $ 28,214 | $ 134,000 |
| Springfield, MO | 28 | $ 773,000 | $ 27,607 | $ 69,000 |
| Winchester, VA-WV | 27 | $ 1,355,000 | $ 50,185 | $ 90,000 |
| Burlington-South Burlington, VT | 26 | $ 1,280,000 | $ 49,230 | $ 111,000 |
| Flagstaff, AZ | 26 | $ 1,687,000 | $ 64,884 | $ 95,000 |
| Fresno, CA | 26 | $ 2,125,000 | $ 81,730 | $ 108,000 |
| Fort Walton Beach-Crestview-Destin, FL | 25 | $ 1,366,000 | $ 54,640 | $ 135,000 |
| Appleton, WI | 24 | $ 756,000 | $ 31,500 | $ 81,000 |
| Barnstable Town, MA | 24 | $ 1,802,000 | $ 75,083 | $ 189,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 24 | $ 1,630,000 | $ 67,916 | $ 92,000 |
| Yakima, WA | 24 | $ 781,000 | $ 32,541 | $ 72,000 |
| Yuma, AZ | 24 | $ 1,284,000 | $ 53,500 | $ 74,000 |
| Hickory-Lenoir-Morganton, NC | 23 | $ 913,000 | $ 39,695 | $ 67,000 |
| Lafayette, IN | 23 | $ 1,431,000 | $ 62,217 | $ 97,000 |
| Kingston, NY | 22 | $ 1,071,000 | $ 48,681 | $ 100,000 |
| Columbia, SC | 21 | $ 867,000 | $ 41,285 | $ 67,000 |
| Lakeland, FL | 21 | $ 801,000 | $ 38,142 | $ 77,000 |
| Punta Gorda, FL | 21 | $ 1,626,000 | $ 77,428 | $ 93,000 |
| Savannah, GA | 21 | $ 916,000 | $ 43,619 | $ 96,000 |
| Sioux Falls, SD | 21 | $ 838,000 | $ 39,904 | $ 84,000 |
| Niles-Benton Harbor, MI | 20 | $ 1,076,000 | $ 53,800 | $ 80,000 |
| Wenatchee, WA | 20 | $ 894,000 | $ 44,700 | $ 78,000 |
| Salinas, CA | 19 | $ 2,525,000 | $ 132,894 | $ 179,000 |
| San Luis Obispo-Paso Robles, CA | 19 | $ 2,245,000 | $ 118,157 | $ 177,000 |
| Scranton--Wilkes-Barre, PA | 19 | $ 940,000 | $ 49,473 | $ 100,000 |
| St. George, UT | 19 | $ 980,000 | $ 51,578 | $ 62,000 |
| Tallahassee, FL | 19 | $ 692,000 | $ 36,421 | $ 83,000 |
| Bloomington, IN | 18 | $ 428,000 | $ 23,777 | $ 56,000 |
| Kennewick-Richland-Pasco, WA | 18 | $ 804,000 | $ 44,666 | $ 77,000 |
| Memphis, TN-MS-AR | 18 | $ 915,000 | $ 50,833 | $ 93,000 |
| Redding, CA | 18 | $ 1,164,000 | $ 64,666 | $ 89,000 |
| Elizabethtown, KY | 17 | $ 851,000 | $ 50,058 | $ 51,000 |
| Johnstown, PA | 17 | $ 1,015,000 | $ 59,705 | $ 62,000 |
| Oshkosh-Neenah, WI | 17 | $ 677,000 | $ 39,823 | $ 88,000 |
| Racine, WI | 17 | $ 624,000 | $ 36,705 | $ 90,000 |
| St. Cloud, MN | 17 | $ 669,000 | $ 39,352 | $ 83,000 |
| Weirton-Steubenville, WV-OH | 17 | $ 849,000 | $ 49,941 | $ 52,000 |
| Coeur D'Alene, ID | 16 | $ 996,000 | $ 62,250 | $ 85,000 |
| Muncie, IN | 16 | $ 493,000 | $ 30,812 | $ 41,000 |
| Macon, GA | 15 | $ 406,000 | $ 27,066 | $ 66,000 |
| Mount Vernon-Anacortes, WA | 15 | $ 874,000 | $ 58,266 | $ 95,000 |
| Rochester, MN | 15 | $ 492,000 | $ 32,800 | $ 85,000 |
| Visalia-Porterville, CA | 15 | $ 994,000 | $ 66,266 | $ 105,000 |
| Yuba City, CA | 15 | $ 833,000 | $ 55,533 | $ 79,000 |
| Cheyenne, WY | 14 | $ 643,000 | $ 45,928 | $ 94,000 |
| Gainesville, FL | 14 | $ 550,000 | $ 39,285 | $ 84,000 |
| Panama City-Lynn Haven, FL | 14 | $ 579,000 | $ 41,357 | $ 50,000 |
| Binghamton, NY | 13 | $ 539,000 | $ 41,461 | $ 76,000 |
| Chico, CA | 13 | $ 610,000 | $ 46,923 | $ 74,000 |
| Little Rock-North Little Rock, AR | 13 | $ 723,000 | $ 55,615 | $ 109,000 |
| Terre Haute, IN | 13 | $ 442,000 | $ 34,000 | $ 61,000 |
| Billings, MT | 12 | $ 686,000 | $ 57,166 | $ 144,000 |
| Evansville, IN-KY | 12 | $ 479,000 | $ 39,916 | $ 53,000 |
| Idaho Falls, ID | 12 | $ 448,000 | $ 37,333 | $ 69,000 |
| Lawrence, KS | 12 | $ 425,000 | $ 35,416 | $ 78,000 |
| Lynchburg, VA | 12 | $ 493,000 | $ 41,083 | $ 80,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 468,000 | $ 39,000 | $ 75,000 |
| Pittsfield, MA | 12 | $ 651,000 | $ 54,250 | $ 112,000 |
| Santa Fe, NM | 12 | $ 926,000 | $ 77,166 | $ 88,000 |
| Tyler, TX | 12 | $ 274,000 | $ 22,833 | $ 70,000 |
| Athens-Clarke County, GA | 11 | $ 396,000 | $ 36,000 | $ 89,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 283,000 | $ 25,727 | $ 72,000 |
| Des Moines, IA | 11 | $ 560,000 | $ 50,909 | $ 84,000 |
| Grand Junction, CO | 11 | $ 442,000 | $ 40,181 | $ 98,000 |
| Honolulu, HI | 11 | $ 2,598,000 | $ 236,181 | $ 147,000 |
| Jefferson City, MO | 11 | $ 304,000 | $ 27,636 | $ 86,000 |
| La Crosse, WI-MN | 11 | $ 373,000 | $ 33,909 | $ 66,000 |
| Lawton, OK | 11 | $ 377,000 | $ 34,272 | $ 74,000 |
| Lewiston, ID-WA | 11 | $ 479,000 | $ 43,545 | $ 88,000 |
| Merced, CA | 11 | $ 681,000 | $ 61,909 | $ 113,000 |
| Missoula, MT | 11 | $ 316,000 | $ 28,727 | $ 76,000 |
| Utica-Rome, NY | 11 | $ 336,000 | $ 30,545 | $ 51,000 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 214,000 | $ 21,400 | $ 72,000 |
| Joplin, MO | 10 | $ 288,000 | $ 28,800 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 10 | $ 380,000 | $ 38,000 | $ 130,000 |
| Napa, CA | 10 | $ 1,027,000 | $ 102,700 | $ 164,000 |
| Vineland-Millville-Bridgeton, NJ | 10 | $ 605,000 | $ 60,500 | $ 89,000 |
| Wheeling, WV-OH | 10 | $ 792,000 | $ 79,200 | $ 85,000 |
| Columbia, MO | 9 | $ 367,000 | $ 40,777 | $ 75,000 |
| Fargo, ND-MN | 9 | $ 487,000 | $ 54,111 | $ 111,000 |
| Fayetteville, NC | 9 | $ 273,000 | $ 30,333 | $ 78,000 |
| Hanford-Corcoran, CA | 9 | $ 496,000 | $ 55,111 | $ 135,000 |
| Harrisonburg, VA | 9 | $ 329,000 | $ 36,555 | $ 71,000 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 513,000 | $ 57,000 | $ 77,000 |
| Ocala, FL | 9 | $ 426,000 | $ 47,333 | $ 71,000 |
| Salisbury, MD | 9 | $ 379,000 | $ 42,111 | $ 78,000 |
| Sheboygan, WI | 9 | $ 192,000 | $ 21,333 | $ 89,000 |
| State College, PA | 9 | $ 390,000 | $ 43,333 | $ 79,000 |
| Baton Rouge, LA | 8 | $ 374,000 | $ 46,750 | $ 89,000 |
| Chattanooga, TN-GA | 8 | $ 239,000 | $ 29,875 | $ 67,000 |
| Corvallis, OR | 8 | $ 268,000 | $ 33,500 | $ 68,000 |
| Cumberland, MD-WV | 8 | $ 274,000 | $ 34,250 | $ 228,000 |
| Eau Claire, WI | 8 | $ 333,000 | $ 41,625 | $ 76,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 177,000 | $ 22,125 | $ 85,000 |
| Gainesville, GA | 8 | $ 371,000 | $ 46,375 | $ 87,000 |
| Pueblo, CO | 8 | $ 253,000 | $ 31,625 | $ 89,000 |
| Rapid City, SD | 8 | $ 392,000 | $ 49,000 | $ 49,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 8 | $ 2,218,000 | $ 277,250 | $ 164,000 |
| Altoona, PA | 7 | $ 249,000 | $ 35,571 | $ 62,000 |
| Bismarck, ND | 7 | $ 263,000 | $ 37,571 | $ 69,000 |
| Casper, WY | 7 | $ 376,000 | $ 53,714 | $ 73,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 210,000 | $ 30,000 | $ 35,000 |
| El Centro, CA | 7 | $ 286,000 | $ 40,857 | $ 78,000 |
| Glens Falls, NY | 7 | $ 412,000 | $ 58,857 | $ 78,000 |
| Great Falls, MT | 7 | $ 318,000 | $ 45,428 | $ 66,000 |
| Janesville, WI | 7 | $ 273,000 | $ 39,000 | $ 42,000 |
| Madera, CA | 7 | $ 604,000 | $ 86,285 | $ 120,000 |
| St. Joseph, MO-KS | 7 | $ 178,000 | $ 25,428 | $ 80,000 |
| Vero Beach, FL | 7 | $ 1,406,000 | $ 200,857 | $ 55,000 |
| Burlington, NC | 6 | $ 358,000 | $ 59,666 | $ 73,000 |
| College Station-Bryan, TX | 6 | $ 103,000 | $ 17,166 | $ 95,000 |
| Goldsboro, NC | 6 | $ 201,000 | $ 33,500 | $ 60,000 |
| Jacksonville, NC | 6 | $ 426,000 | $ 71,000 | $ 194,000 |
| Lincoln, NE | 6 | $ 181,000 | $ 30,166 | $ 77,000 |
| Midland, TX | 6 | $ 247,000 | $ 41,166 | $ 118,000 |
| Williamsport, PA | 6 | $ 157,000 | $ 26,166 | $ 74,000 |
| Anderson, SC | 5 | $ 234,000 | $ 46,800 | $ 78,000 |
| Carson City, NV | 5 | $ 375,000 | $ 75,000 | $ 110,000 |
| Corpus Christi, TX | 5 | $ 91,000 | $ 18,200 | $ 106,000 |
| Danville, IL | 5 | $ 121,000 | $ 24,200 | $ 54,000 |
| Farmington, NM | 5 | $ 209,000 | $ 41,800 | $ 81,000 |
| Ithaca, NY | 5 | $ 153,000 | $ 30,600 | $ 56,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 139,000 | $ 27,800 | $ 104,000 |
| Lafayette, LA | 5 | $ 221,000 | $ 44,200 | $ 155,000 |
| Pocatello, ID | 5 | $ 155,000 | $ 31,000 | $ 71,000 |
| Spartanburg, SC | 5 | $ 187,000 | $ 37,400 | $ 83,000 |
| Warner Robins, GA | 5 | $ 143,000 | $ 28,600 | $ 65,000 |
| Wausau, WI | 5 | $ 118,000 | $ 23,600 | $ 88,000 |
| Bangor, ME | 4 | $ 87,000 | $ 21,750 | $ 61,000 |
| Charleston, WV | 4 | $ 155,000 | $ 38,750 | $ 71,000 |
| El Paso, TX | 4 | $ 118,000 | $ 29,500 | $ 74,000 |
| Fond Du Lac, WI | 4 | $ 224,000 | $ 56,000 | $ 73,000 |
| Greenville, NC | 4 | $ 226,000 | $ 56,500 | $ 67,000 |
| Las Cruces, NM | 4 | $ 196,000 | $ 49,000 | $ 89,000 |
| Lima, OH | 4 | $ 194,000 | $ 48,500 | $ 51,000 |
| Parkersburg-Marietta, WV-OH | 4 | $ 187,000 | $ 46,750 | $ 57,000 |
| Alexandria, LA | 3 | $ 107,000 | $ 35,666 | $ 71,000 |
| Brunswick, GA | 3 | $ 170,000 | $ 56,666 | $ 203,000 |
| Columbus, GA-AL | 3 | $ 117,000 | $ 39,000 | $ 66,000 |
| Fort Smith, AR-OK | 3 | $ 181,000 | $ 60,333 | $ 70,000 |
| Lewiston-Auburn, ME | 3 | $ 108,000 | $ 36,000 | $ 111,000 |
| Logan, UT-ID | 3 | $ 98,000 | $ 32,666 | $ 49,000 |
| McAllen-Edinburg-Pharr, TX | 3 | $ 59,000 | $ 19,666 | $ 70,000 |
| Rocky Mount, NC | 3 | $ 76,000 | $ 25,333 | $ 311,000 |
| Beaumont-Port Arthur, TX | 2 | $ 23,000 | $ 11,500 | $ 170,000 |
| Cedar Rapids, IA | 2 | $ 43,000 | $ 21,500 | $ 50,000 |
| Elmira, NY | 2 | $ 75,000 | $ 37,500 | $ 96,000 |
| Florence, SC | 2 | $ 67,000 | $ 33,500 | $ 64,000 |
| Longview, TX | 2 | $ 58,000 | $ 29,000 | $ 515,000 |
| Lubbock, TX | 2 | $ 65,000 | $ 32,500 | $ 80,000 |
| Morristown, TN | 2 | $ 75,000 | $ 37,500 | $ 37,000 |
| Sumter, SC | 2 | $ 29,000 | $ 14,500 | $ 84,000 |
| Abilene, TX | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Albany, GA | 1 | $ 125,000 | $ 125,000 | $ 83,000 |
| Birmingham-Hoover, AL | 1 | $ 27,000 | $ 27,000 | $ 25,000 |
| Brownsville-Harlingen, TX | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Clarksville, TN-KY | 1 | $ 200,000 | $ 200,000 | $ 114,000 |
| Cleveland, TN | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Danville, VA | 1 | $ 56,000 | $ 56,000 | $ 71,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 16,000 | $ 16,000 | $ 62,000 |
| Iowa City, IA | 1 | $ 33,000 | $ 33,000 | $ 42,000 |
| Jackson, TN | 1 | $ 57,000 | $ 57,000 | $ 92,000 |
| Johnson City, TN | 1 | $ 24,000 | $ 24,000 | $ 66,000 |
| Jonesboro, AR | 1 | $ 44,000 | $ 44,000 | $ 295,000 |
| Laredo, TX | 1 | $ 55,000 | $ 55,000 | $ 153,000 |
| Montgomery, AL | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Odessa, TX | 1 | $ 18,000 | $ 18,000 | $ 45,000 |
| Valdosta, GA | 1 | $ 53,000 | $ 53,000 | $ 90,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 17,000 | $ 17,000 | $ 73,000 |
| Wichita Falls, TX | 1 | $ 19,000 | $ 19,000 | $ 37,000 |
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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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