National City Bank Mortgage Lending & HMDA Data, 2006

In 2006, National City Bank of Cleveland, OH reported 628,667 mortgage applications totaling $100.7 billion, up 797% from 2005. The average application was for $160,135, and applicants reported an average income of $95,975. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (26,035), Riverside-San Bernardino-Ontario, CA (17,706) and Washington-Arlington-Alexandria, DC-VA-MD-WV (16,088) (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 628,667
Total Mortgage Loan Application Amount $100,671,722,000
Average Mortgage Loan Application Amount $160,135
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $95,975
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for National City Bank by Metropolitan Area in 2006

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 26,035 $ 4,675,460,000 $ 179,583 $ 99,000
Riverside-San Bernardino-Ontario, CA 17,706 $ 4,167,437,000 $ 235,368 $ 127,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 16,088 $ 4,056,251,000 $ 252,128 $ 121,376
Los Angeles-Long Beach-Glendale, CA 15,862 $ 4,457,462,000 $ 281,015 $ 165,000
Atlanta-Sandy Springs-Marietta, GA 15,147 $ 2,186,930,000 $ 144,380 $ 83,000
Phoenix-Mesa-Scottsdale, AZ 13,196 $ 2,450,349,000 $ 185,688 $ 111,000
Pittsburgh, PA 12,357 $ 921,898,000 $ 74,605 $ 71,000
Houston-Sugar Land-Baytown, TX 11,666 $ 1,336,774,000 $ 114,587 $ 88,000
Baltimore-Towson, MD 9,956 $ 1,891,124,000 $ 189,948 $ 96,000
New York-White Plains-Wayne, NY-NJ 9,330 $ 2,670,040,000 $ 286,177 $ 141,234
San Diego-Carlsbad-San Marcos, CA 9,024 $ 2,567,506,000 $ 284,519 $ 163,000
Portland-Vancouver-Beaverton, OR-WA 8,192 $ 1,325,273,000 $ 161,776 $ 95,042
Cincinnati-Middletown, OH-KY-IN 8,100 $ 846,754,000 $ 104,537 $ 78,924
Dallas-Plano-Irving, TX 8,063 $ 1,064,129,000 $ 131,976 $ 102,000
Cleveland-Elyria-Mentor, OH 7,751 $ 781,470,000 $ 100,821 $ 76,000
Minneapolis-St. Paul-Bloomington, MN-WI 7,368 $ 1,206,628,000 $ 163,766 $ 91,120
Oakland-Fremont-Hayward, CA 7,281 $ 1,922,060,000 $ 263,982 $ 165,000
Warren-Troy-Farmington Hills, MI 7,275 $ 1,041,863,000 $ 143,211 $ 92,000
Columbus, OH 7,240 $ 817,275,000 $ 112,883 $ 77,000
Denver-Aurora, CO 6,830 $ 1,030,890,000 $ 150,935 $ 97,000
Indianapolis-Carmel, IN 6,793 $ 716,537,000 $ 105,481 $ 72,000
Sacramento--Arden-Arcade--Roseville, CA 6,684 $ 1,418,310,000 $ 212,194 $ 127,000
Detroit-Livonia-Dearborn, MI 6,673 $ 671,124,000 $ 100,573 $ 66,000
Seattle-Bellevue-Everett, WA 6,670 $ 1,176,791,000 $ 176,430 $ 111,000
Orlando-Kissimmee, FL 6,351 $ 1,082,858,000 $ 170,501 $ 97,000
St. Louis, MO-IL 6,194 $ 757,922,000 $ 122,363 $ 75,673
Salt Lake City, UT 6,122 $ 877,545,000 $ 143,342 $ 84,000
Las Vegas-Paradise, NV 6,102 $ 1,195,809,000 $ 195,970 $ 113,000
Tampa-St. Petersburg-Clearwater, FL 5,818 $ 947,392,000 $ 162,838 $ 96,000
Virginia Beach-Norfolk-Newport News, VA-NC 5,742 $ 988,193,000 $ 172,099 $ 79,606
Philadelphia, PA 5,549 $ 756,874,000 $ 136,398 $ 91,000
Dayton, OH 5,389 $ 488,024,000 $ 90,559 $ 69,000
Miami-Miami Beach-Kendall, FL 5,247 $ 1,010,639,000 $ 192,612 $ 127,000
Santa Ana-Anaheim-Irvine, CA 4,946 $ 1,551,889,000 $ 313,766 $ 194,000
Austin-Round Rock, TX 4,716 $ 661,175,000 $ 140,198 $ 115,000
San Jose-Sunnyvale-Santa Clara, CA 4,628 $ 1,370,575,000 $ 296,148 $ 184,000
Louisville-Jefferson County, KY-IN 4,585 $ 434,719,000 $ 94,813 $ 63,819
Charlotte-Gastonia-Concord, NC-SC 4,355 $ 525,714,000 $ 120,715 $ 77,488
Memphis, TN-MS-AR 4,077 $ 417,683,000 $ 102,448 $ 63,432
Bethesda-Gaithersburg-Frederick, MD 3,923 $ 1,126,789,000 $ 287,226 $ 134,000
Edison, NJ 3,883 $ 931,580,000 $ 239,912 $ 119,000
Providence-New Bedford-Fall River, RI-MA 3,808 $ 642,768,000 $ 168,794 $ 89,465
Kansas City, MO-KS 3,793 $ 435,492,000 $ 114,814 $ 76,482
Fort Worth-Arlington, TX 3,781 $ 439,396,000 $ 116,211 $ 91,000
Tacoma, WA 3,733 $ 647,025,000 $ 173,325 $ 93,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 3,416 $ 633,686,000 $ 185,505 $ 118,000
Nassau-Suffolk, NY 3,358 $ 849,726,000 $ 253,045 $ 148,000
Cape Coral-Fort Myers, FL 3,285 $ 707,236,000 $ 215,292 $ 108,000
Newark-Union, NJ-PA 3,283 $ 746,156,000 $ 227,278 $ 114,499
Raleigh-Cary, NC 3,133 $ 405,743,000 $ 129,506 $ 83,000
Milwaukee-Waukesha-West Allis, WI 3,112 $ 369,028,000 $ 118,582 $ 72,000
Boston-Quincy, MA 3,093 $ 611,853,000 $ 197,818 $ 103,000
Richmond, VA 3,027 $ 473,859,000 $ 156,544 $ 80,000
Nashville-Davidson--Murfreesboro, TN 3,012 $ 310,769,000 $ 103,176 $ 63,000
Jacksonville, FL 2,912 $ 382,718,000 $ 131,427 $ 86,000
Stockton, CA 2,906 $ 683,257,000 $ 235,119 $ 131,000
San Francisco-San Mateo-Redwood City, CA 2,807 $ 887,459,000 $ 316,159 $ 226,000
Peoria, IL 2,619 $ 255,809,000 $ 97,674 $ 67,000
Akron, OH 2,593 $ 254,822,000 $ 98,273 $ 76,000
Camden, NJ 2,554 $ 440,955,000 $ 172,652 $ 86,000
Lake County-Kenosha County, IL-WI 2,543 $ 487,879,000 $ 191,851 $ 105,472
Ogden-Clearfield, UT 2,456 $ 282,872,000 $ 115,175 $ 68,000
Gary, IN 2,407 $ 259,273,000 $ 107,716 $ 70,000
San Antonio, TX 2,388 $ 259,621,000 $ 108,719 $ 84,000
Albuquerque, NM 2,241 $ 329,123,000 $ 146,864 $ 82,000
Provo-Orem, UT 2,187 $ 291,785,000 $ 133,417 $ 79,000
Cambridge-Newton-Framingham, MA 2,150 $ 425,706,000 $ 198,002 $ 119,000
Youngstown-Warren-Boardman, OH-PA 2,123 $ 151,418,000 $ 71,322 $ 54,911
Toledo, OH 2,083 $ 197,663,000 $ 94,893 $ 72,000
West Palm Beach-Boca Raton-Boynton Beach, FL 1,927 $ 376,787,000 $ 195,530 $ 138,000
Fresno, CA 1,919 $ 344,123,000 $ 179,324 $ 114,000
Spokane, WA 1,909 $ 234,432,000 $ 122,803 $ 68,000
Rockford, IL 1,902 $ 178,693,000 $ 93,950 $ 59,000
Tucson, AZ 1,815 $ 269,251,000 $ 148,347 $ 83,000
Bakersfield, CA 1,778 $ 296,512,000 $ 166,767 $ 98,000
Knoxville, TN 1,635 $ 170,122,000 $ 104,050 $ 63,000
Worcester, MA 1,623 $ 244,681,000 $ 150,758 $ 83,000
Vallejo-Fairfield, CA 1,615 $ 350,459,000 $ 217,002 $ 135,000
Charleston-North Charleston, SC 1,612 $ 250,850,000 $ 155,614 $ 89,000
Canton-Massillon, OH 1,601 $ 136,347,000 $ 85,163 $ 59,000
Boise City-Nampa, ID 1,589 $ 254,255,000 $ 160,009 $ 89,000
Fort Wayne, IN 1,574 $ 120,136,000 $ 76,325 $ 52,000
Sarasota-Bradenton-Venice, FL 1,573 $ 344,343,000 $ 218,908 $ 124,000
Bloomington-Normal, IL 1,557 $ 168,550,000 $ 108,253 $ 72,000
Modesto, CA 1,527 $ 321,972,000 $ 210,852 $ 122,000
El Paso, TX 1,521 $ 136,537,000 $ 89,767 $ 76,000
Albany-Schenectady-Troy, NY 1,510 $ 166,605,000 $ 110,334 $ 76,000
Grand Rapids-Wyoming, MI 1,501 $ 147,858,000 $ 98,506 $ 74,000
Birmingham-Hoover, AL 1,481 $ 168,063,000 $ 113,479 $ 62,000
Colorado Springs, CO 1,466 $ 216,175,000 $ 147,459 $ 83,000
Salem, OR 1,437 $ 179,466,000 $ 124,889 $ 70,000
Springfield, MA 1,426 $ 183,197,000 $ 128,469 $ 64,000
York-Hanover, PA 1,373 $ 176,396,000 $ 128,474 $ 72,000
Lakeland, FL 1,305 $ 173,670,000 $ 133,080 $ 70,000
Hartford-West Hartford-East Hartford, CT 1,301 $ 175,458,000 $ 134,863 $ 85,000
Oxnard-Thousand Oaks-Ventura, CA 1,274 $ 359,540,000 $ 282,213 $ 185,000
Lansing-East Lansing, MI 1,246 $ 122,133,000 $ 98,020 $ 68,000
Lexington-Fayette, KY 1,211 $ 126,596,000 $ 104,538 $ 73,000
Olympia, WA 1,206 $ 210,980,000 $ 174,941 $ 80,000
Oklahoma City, OK 1,200 $ 121,572,000 $ 101,310 $ 70,000
Roanoke, VA 1,192 $ 167,417,000 $ 140,450 $ 70,000
Flint, MI 1,180 $ 113,194,000 $ 95,927 $ 61,000
Deltona-Daytona Beach-Ormond Beach, FL 1,179 $ 160,969,000 $ 136,530 $ 80,000
Essex County, MA 1,177 $ 227,472,000 $ 193,264 $ 100,000
Eugene-Springfield, OR 1,170 $ 168,428,000 $ 143,955 $ 78,000
Greensboro-High Point, NC 1,163 $ 128,454,000 $ 110,450 $ 65,000
Springfield, IL 1,162 $ 86,459,000 $ 74,405 $ 72,000
Santa Rosa-Petaluma, CA 1,140 $ 292,287,000 $ 256,392 $ 175,000
Rochester, NY 1,139 $ 94,460,000 $ 82,932 $ 64,000
New Haven-Milford, CT 1,124 $ 164,490,000 $ 146,343 $ 83,000
Harrisburg-Carlisle, PA 1,107 $ 126,906,000 $ 114,639 $ 75,000
Palm Bay-Melbourne-Titusville, FL 1,076 $ 163,708,000 $ 152,144 $ 88,000
Bridgeport-Stamford-Norwalk, CT 1,047 $ 234,874,000 $ 224,330 $ 127,000
Bremerton-Silverdale, WA 1,042 $ 193,171,000 $ 185,384 $ 82,000
Allentown-Bethlehem-Easton, PA-NJ 1,030 $ 155,262,000 $ 150,739 $ 82,699
Columbia, SC 1,006 $ 108,937,000 $ 108,287 $ 61,000
Buffalo-Niagara Falls, NY 991 $ 72,212,000 $ 72,867 $ 68,000
Reno-Sparks, NV 986 $ 189,609,000 $ 192,301 $ 107,000
South Bend-Mishawaka, IN-MI 974 $ 83,573,000 $ 85,803 $ 63,672
Longview, WA 931 $ 137,955,000 $ 148,179 $ 66,000
Kalamazoo-Portage, MI 914 $ 87,220,000 $ 95,426 $ 76,000
Bend, OR 905 $ 205,752,000 $ 227,350 $ 119,000
Ann Arbor, MI 892 $ 138,084,000 $ 154,802 $ 101,000
Poughkeepsie-Newburgh-Middletown, NY 880 $ 164,535,000 $ 186,971 $ 99,000
Redding, CA 832 $ 150,230,000 $ 180,564 $ 84,000
Greenville, SC 823 $ 89,039,000 $ 108,188 $ 66,000
Honolulu, HI 817 $ 252,370,000 $ 308,898 $ 147,000
Springfield, OH 815 $ 63,953,000 $ 78,469 $ 58,000
Chattanooga, TN-GA 808 $ 72,559,000 $ 89,800 $ 54,300
Tulsa, OK 785 $ 70,484,000 $ 89,788 $ 75,000
Wilmington, DE-MD-NJ 784 $ 109,384,000 $ 139,520 $ 87,565
Fayetteville, NC 783 $ 80,368,000 $ 102,641 $ 62,000
Erie, PA 778 $ 61,087,000 $ 78,517 $ 62,000
Visalia-Porterville, CA 777 $ 120,975,000 $ 155,694 $ 95,000
Salinas, CA 775 $ 245,950,000 $ 317,354 $ 175,000
Durham, NC 763 $ 95,656,000 $ 125,368 $ 74,000
Decatur, IL 760 $ 53,446,000 $ 70,323 $ 50,000
Huntington-Ashland, WV-KY-OH 751 $ 50,092,000 $ 66,700 $ 57,396
Muskegon-Norton Shores, MI 746 $ 54,748,000 $ 73,388 $ 55,000
Merced, CA 735 $ 147,428,000 $ 200,582 $ 111,000
Wilmington, NC 732 $ 123,282,000 $ 168,418 $ 93,000
Hickory-Lenoir-Morganton, NC 724 $ 74,068,000 $ 102,303 $ 54,000
Atlantic City, NJ 719 $ 139,231,000 $ 193,645 $ 108,000
McAllen-Edinburg-Mission, TX 713 $ 68,088,000 $ 95,495 $ 67,000
Naples-Marco Island, FL 713 $ 183,286,000 $ 257,063 $ 183,000
Madison, WI 712 $ 82,866,000 $ 116,384 $ 77,000
Anderson, IN 708 $ 48,080,000 $ 67,909 $ 51,000
Savannah, GA 699 $ 103,688,000 $ 148,337 $ 81,000
El Centro, CA 695 $ 111,866,000 $ 160,958 $ 85,000
Hagerstown-Martinsburg, MD-WV 691 $ 118,579,000 $ 171,604 $ 80,921
Lancaster, PA 690 $ 80,400,000 $ 116,521 $ 72,000
Shreveport-Bossier City, LA 665 $ 77,670,000 $ 116,796 $ 78,000
Little Rock-North Little Rock, AR 664 $ 61,976,000 $ 93,337 $ 62,000
Chico, CA 662 $ 117,458,000 $ 177,429 $ 87,000
Greeley, CO 662 $ 81,723,000 $ 123,448 $ 89,000
New Orleans-Metairie-Kenner, LA 650 $ 91,632,000 $ 140,972 $ 86,000
Punta Gorda, FL 648 $ 154,398,000 $ 238,268 $ 88,000
Holland-Grand Haven, MI 647 $ 71,023,000 $ 109,772 $ 80,000
Champaign-Urbana, IL 646 $ 55,590,000 $ 86,052 $ 65,000
Pensacola-Ferry Pass-Brent, FL 630 $ 80,833,000 $ 128,306 $ 80,000
Syracuse, NY 629 $ 53,567,000 $ 85,162 $ 66,000
Des Moines-West Des Moines, IA 620 $ 64,178,000 $ 103,512 $ 58,000
Saginaw-Saginaw Township North, MI 619 $ 45,571,000 $ 73,620 $ 58,000
Yakima, WA 619 $ 73,483,000 $ 118,712 $ 69,000
Yuba City, CA 610 $ 105,555,000 $ 173,040 $ 93,000
Rockingham County-Strafford County, NH 608 $ 92,045,000 $ 151,389 $ 87,000
Kankakee-Bradley, IL 601 $ 59,239,000 $ 98,567 $ 65,000
Port St. Lucie-Fort Pierce, FL 599 $ 104,921,000 $ 175,160 $ 100,000
Winston-Salem, NC 586 $ 59,402,000 $ 101,368 $ 61,000
Ocala, FL 583 $ 90,436,000 $ 155,121 $ 90,000
Baton Rouge, LA 562 $ 59,228,000 $ 105,387 $ 71,000
Elkhart-Goshen, IN 562 $ 55,284,000 $ 98,370 $ 67,000
Medford, OR 560 $ 113,267,000 $ 202,262 $ 107,000
Manchester-Nashua, NH 544 $ 84,459,000 $ 155,255 $ 87,000
Omaha-Council Bluffs, NE-IA 540 $ 50,574,000 $ 93,655 $ 61,305
Mobile, AL 538 $ 54,803,000 $ 101,864 $ 58,000
Myrtle Beach-Conway-North Myrtle Beach, SC 537 $ 83,621,000 $ 155,718 $ 122,000
Santa Cruz-Watsonville, CA 536 $ 170,311,000 $ 317,744 $ 201,000
Duluth, MN-WI 535 $ 46,349,000 $ 86,633 $ 57,388
St. George, UT 526 $ 98,965,000 $ 188,146 $ 102,000
Portland-South Portland-Biddeford, ME 525 $ 87,639,000 $ 166,931 $ 100,000
Spartanburg, SC 516 $ 48,229,000 $ 93,467 $ 55,000
Augusta-Richmond County, GA-SC 502 $ 64,807,000 $ 129,097 $ 56,721
Evansville, IN-KY 494 $ 44,117,000 $ 89,305 $ 51,220
Corpus Christi, TX 488 $ 52,918,000 $ 108,438 $ 88,000
Barnstable Town, MA 487 $ 100,965,000 $ 207,320 $ 131,000
Green Bay, WI 481 $ 47,246,000 $ 98,224 $ 63,000
Wichita, KS 477 $ 41,553,000 $ 87,113 $ 62,000
Trenton-Ewing, NJ 474 $ 85,037,000 $ 179,402 $ 97,000
Charlottesville, VA 473 $ 98,592,000 $ 208,439 $ 96,000
Monroe, MI 473 $ 54,046,000 $ 114,262 $ 77,000
Brownsville-Harlingen, TX 468 $ 43,126,000 $ 92,149 $ 61,000
Owensboro, KY 458 $ 36,366,000 $ 79,401 $ 55,000
Fort Collins-Loveland, CO 456 $ 65,153,000 $ 142,879 $ 95,000
Bowling Green, KY 447 $ 39,232,000 $ 87,767 $ 62,000
Panama City-Lynn Haven, FL 430 $ 73,392,000 $ 170,679 $ 133,000
Boulder, CO 422 $ 70,852,000 $ 167,895 $ 118,000
Springfield, MO 398 $ 43,932,000 $ 110,381 $ 72,000
Davenport-Moline-Rock Island, IA-IL 395 $ 28,468,000 $ 72,070 $ 52,554
Clarksville, TN-KY 394 $ 31,764,000 $ 80,619 $ 49,335
Jackson, MI 393 $ 40,332,000 $ 102,625 $ 61,000
Columbus, GA-AL 390 $ 42,338,000 $ 108,558 $ 55,200
Kokomo, IN 388 $ 31,542,000 $ 81,293 $ 60,000
Madera, CA 383 $ 69,924,000 $ 182,569 $ 104,000
Reading, PA 376 $ 41,648,000 $ 110,765 $ 74,000
Grand Junction, CO 371 $ 51,541,000 $ 138,924 $ 76,000
Scranton--Wilkes-Barre, PA 370 $ 36,704,000 $ 99,200 $ 64,000
Fayetteville-Springdale-Rogers, AR-MO 368 $ 44,878,000 $ 121,951 $ 85,266
Macon, GA 365 $ 37,117,000 $ 101,690 $ 50,000
Santa Barbara-Santa Maria, CA 365 $ 100,174,000 $ 274,449 $ 184,000
Huntsville, AL 362 $ 39,042,000 $ 107,850 $ 74,000
Kennewick-Richland-Pasco, WA 359 $ 34,596,000 $ 96,367 $ 72,000
Bay City, MI 358 $ 26,522,000 $ 74,083 $ 51,000
Prescott, AZ 356 $ 67,424,000 $ 189,393 $ 100,000
Santa Fe, NM 349 $ 73,158,000 $ 209,621 $ 98,000
Asheville, NC 346 $ 51,841,000 $ 149,829 $ 84,000
Racine, WI 338 $ 38,826,000 $ 114,869 $ 58,000
Wheeling, WV-OH 334 $ 25,588,000 $ 76,610 $ 50,652
Michigan City-La Porte, IN 333 $ 33,223,000 $ 99,768 $ 81,000
Killeen-Temple-Fort Hood, TX 329 $ 25,535,000 $ 77,613 $ 61,000
Battle Creek, MI 323 $ 24,750,000 $ 76,625 $ 54,000
Norwich-New London, CT 312 $ 44,006,000 $ 141,044 $ 80,000
Sandusky, OH 311 $ 31,648,000 $ 101,762 $ 73,000
St. Cloud, MN 311 $ 38,433,000 $ 123,578 $ 63,000
Gainesville, GA 305 $ 53,152,000 $ 174,268 $ 92,000
Beaumont-Port Arthur, TX 304 $ 29,867,000 $ 98,246 $ 76,000
Vineland-Millville-Bridgeton, NJ 302 $ 43,657,000 $ 144,559 $ 67,000
Weirton-Steubenville, WV-OH 293 $ 22,703,000 $ 77,484 $ 57,539
San Luis Obispo-Paso Robles, CA 290 $ 82,026,000 $ 282,848 $ 190,000
Jackson, TN 289 $ 21,811,000 $ 75,470 $ 47,000
Janesville, WI 289 $ 26,778,000 $ 92,657 $ 57,000
Ocean City, NJ 287 $ 75,563,000 $ 263,285 $ 186,000
Pittsfield, MA 287 $ 35,902,000 $ 125,094 $ 69,000
Napa, CA 282 $ 83,529,000 $ 296,202 $ 178,000
Terre Haute, IN 267 $ 17,584,000 $ 65,857 $ 41,000
Amarillo, TX 266 $ 20,908,000 $ 78,601 $ 80,000
Binghamton, NY 265 $ 20,185,000 $ 76,169 $ 54,000
Tallahassee, FL 265 $ 37,463,000 $ 141,369 $ 103,000
Lafayette, IN 264 $ 23,545,000 $ 89,185 $ 59,000
Montgomery, AL 253 $ 25,624,000 $ 101,280 $ 62,000
Gainesville, FL 252 $ 32,439,000 $ 128,726 $ 91,000
Muncie, IN 252 $ 19,170,000 $ 76,071 $ 54,000
Coeur D'Alene, ID 250 $ 40,465,000 $ 161,860 $ 94,000
Tyler, TX 250 $ 24,423,000 $ 97,692 $ 73,000
Mansfield, OH 248 $ 21,084,000 $ 85,016 $ 66,000
Lebanon, PA 247 $ 26,859,000 $ 108,740 $ 71,000
Niles-Benton Harbor, MI 243 $ 26,002,000 $ 107,004 $ 70,000
Kingsport-Bristol-Bristol, TN-VA 238 $ 17,833,000 $ 74,928 $ 46,155
Athens-Clarke County, GA 236 $ 29,729,000 $ 125,970 $ 76,000
Logan, UT-ID 236 $ 25,591,000 $ 108,436 $ 68,355
Lewiston, ID-WA 235 $ 28,887,000 $ 122,923 $ 62,008
Glens Falls, NY 231 $ 23,910,000 $ 103,506 $ 91,000
Burlington, NC 228 $ 22,224,000 $ 97,473 $ 66,000
Waco, TX 227 $ 18,922,000 $ 83,356 $ 77,000
Utica-Rome, NY 226 $ 18,772,000 $ 83,061 $ 58,000
Lynchburg, VA 223 $ 32,168,000 $ 144,251 $ 63,000
Columbia, MO 219 $ 21,719,000 $ 99,173 $ 103,000
Bellingham, WA 218 $ 35,063,000 $ 160,839 $ 85,000
Appleton, WI 217 $ 22,841,000 $ 105,258 $ 69,000
Dover, DE 217 $ 33,275,000 $ 153,341 $ 72,000
Laredo, TX 217 $ 20,880,000 $ 96,221 $ 76,000
Lubbock, TX 217 $ 17,349,000 $ 79,949 $ 65,000
Rochester, MN 214 $ 22,797,000 $ 106,528 $ 67,000
Elizabethtown, KY 210 $ 20,064,000 $ 95,542 $ 58,000
Bloomington, IN 207 $ 23,149,000 $ 111,830 $ 113,000
Midland, TX 206 $ 13,473,000 $ 65,402 $ 64,000
Mount Vernon-Anacortes, WA 205 $ 38,033,000 $ 185,526 $ 80,000
Las Cruces, NM 201 $ 28,105,000 $ 139,825 $ 88,000
Pueblo, CO 201 $ 18,735,000 $ 93,208 $ 58,000
Fort Walton Beach-Crestview-Destin, FL 195 $ 44,355,000 $ 227,461 $ 155,000
Morristown, TN 195 $ 19,756,000 $ 101,312 $ 70,000
Cleveland, TN 193 $ 17,755,000 $ 91,994 $ 58,000
Anderson, SC 192 $ 21,547,000 $ 112,223 $ 55,000
Cedar Rapids, IA 190 $ 17,543,000 $ 92,331 $ 57,000
St. Joseph, MO-KS 189 $ 16,034,000 $ 84,835 $ 50,783
Johnson City, TN 187 $ 15,333,000 $ 81,994 $ 49,000
Lima, OH 187 $ 16,429,000 $ 87,855 $ 48,000
Odessa, TX 184 $ 11,878,000 $ 64,554 $ 70,000
Hanford-Corcoran, CA 181 $ 26,941,000 $ 148,845 $ 81,000
Kingston, NY 172 $ 27,394,000 $ 159,267 $ 94,000
Sioux Falls, SD 169 $ 16,716,000 $ 98,911 $ 71,000
Salisbury, MD 166 $ 23,843,000 $ 143,632 $ 78,000
Winchester, VA-WV 165 $ 28,892,000 $ 175,103 $ 101,600
Flagstaff, AZ 164 $ 31,407,000 $ 191,506 $ 127,000
Sebastian-Vero Beach, FL 163 $ 26,663,000 $ 163,576 $ 131,000
Burlington-South Burlington, VT 160 $ 24,619,000 $ 153,868 $ 87,000
Elmira, NY 160 $ 11,210,000 $ 70,062 $ 51,000
Fargo, ND-MN 160 $ 13,973,000 $ 87,331 $ 67,125
Jackson, MS 160 $ 14,848,000 $ 92,800 $ 68,000
Yuma, AZ 159 $ 20,798,000 $ 130,805 $ 86,000
Columbus, IN 157 $ 15,266,000 $ 97,235 $ 57,000
Warner Robins, GA 157 $ 16,559,000 $ 105,471 $ 75,000
Longview, TX 154 $ 11,761,000 $ 76,370 $ 55,000
Monroe, LA 153 $ 17,319,000 $ 113,196 $ 63,000
Rocky Mount, NC 153 $ 15,617,000 $ 102,071 $ 56,000
Wenatchee, WA 153 $ 22,732,000 $ 148,575 $ 79,000
College Station-Bryan, TX 150 $ 14,563,000 $ 97,086 $ 81,000
Lewiston-Auburn, ME 150 $ 15,224,000 $ 101,493 $ 66,000
Eau Claire, WI 149 $ 14,036,000 $ 94,201 $ 62,000
Oshkosh-Neenah, WI 144 $ 12,849,000 $ 89,229 $ 69,000
Tuscaloosa, AL 139 $ 15,205,000 $ 109,388 $ 69,000
Goldsboro, NC 137 $ 15,685,000 $ 114,489 $ 56,000
Sheboygan, WI 137 $ 12,736,000 $ 92,963 $ 50,000
Topeka, KS 137 $ 12,515,000 $ 91,350 $ 87,000
Bangor, ME 134 $ 13,640,000 $ 101,791 $ 59,000
Charleston, WV 130 $ 10,841,000 $ 83,392 $ 70,000
Blacksburg-Christiansburg-Radford, VA 129 $ 15,932,000 $ 123,503 $ 85,000
Anchorage, AK 127 $ 29,623,000 $ 233,251 $ 115,000
Florence, SC 122 $ 14,223,000 $ 116,581 $ 79,000
Idaho Falls, ID 118 $ 12,242,000 $ 103,745 $ 98,000
Jacksonville, NC 118 $ 14,434,000 $ 122,322 $ 75,000
Albany, GA 112 $ 11,610,000 $ 103,660 $ 68,000
Fort Smith, AR-OK 112 $ 10,318,000 $ 92,125 $ 61,357
Jefferson City, MO 107 $ 9,635,000 $ 90,046 $ 68,000
Auburn-Opelika, AL 106 $ 12,640,000 $ 119,245 $ 63,000
Carson City, NV 106 $ 18,895,000 $ 178,254 $ 84,000
Farmington, NM 105 $ 11,997,000 $ 114,257 $ 68,000
Sumter, SC 105 $ 9,450,000 $ 90,000 $ 49,000
Gadsden, AL 102 $ 8,718,000 $ 85,470 $ 44,000
Billings, MT 100 $ 11,345,000 $ 113,450 $ 81,000
Greenville, NC 100 $ 10,931,000 $ 109,310 $ 67,000
Joplin, MO 99 $ 7,356,000 $ 74,303 $ 46,000
Lafayette, LA 99 $ 11,265,000 $ 113,787 $ 67,000
Waterloo-Cedar Falls, IA 99 $ 8,253,000 $ 83,363 $ 50,000
Dothan, AL 98 $ 9,508,000 $ 97,020 $ 57,000
Texarkana, Tx-Texarkana, AR 98 $ 8,595,000 $ 87,704 $ 63,265
Cumberland, MD-WV 96 $ 8,153,000 $ 84,927 $ 65,531
Sherman-Denison, TX 94 $ 10,389,000 $ 110,521 $ 107,000
Parkersburg-Marietta-Vienna, WV-OH 93 $ 7,173,000 $ 77,129 $ 56,526
Bismarck, ND 89 $ 7,135,000 $ 80,168 $ 62,000
Fond Du Lac, WI 87 $ 7,785,000 $ 89,482 $ 62,000
Abilene, TX 86 $ 6,078,000 $ 70,674 $ 61,000
Decatur, AL 85 $ 8,540,000 $ 100,470 $ 52,000
Johnstown, PA 85 $ 4,887,000 $ 57,494 $ 43,000
Williamsport, PA 83 $ 8,156,000 $ 98,265 $ 65,000
San Angelo, TX 80 $ 6,862,000 $ 85,775 $ 98,000
Anniston-Oxford, AL 79 $ 7,746,000 $ 98,050 $ 58,000
Brunswick, GA 79 $ 12,696,000 $ 160,708 $ 134,000
Wausau, WI 79 $ 6,599,000 $ 83,531 $ 56,000
State College, PA 76 $ 7,954,000 $ 104,657 $ 78,000
Corvallis, OR 74 $ 11,303,000 $ 152,743 $ 80,000
Valdosta, GA 74 $ 8,192,000 $ 110,702 $ 62,000
Lincoln, NE 73 $ 8,260,000 $ 113,150 $ 71,000
Morgantown, WV 72 $ 6,490,000 $ 90,138 $ 69,000
Alexandria, LA 71 $ 5,565,000 $ 78,380 $ 61,000
Harrisonburg, VA 70 $ 10,266,000 $ 146,657 $ 82,000
Danville, IL 68 $ 4,389,000 $ 64,544 $ 51,000
La Crosse, WI-MN 68 $ 7,236,000 $ 106,411 $ 74,852
Rome, GA 68 $ 7,720,000 $ 113,529 $ 60,000
Sioux City, IA-NE-SD 68 $ 5,397,000 $ 79,367 $ 52,588
Casper, WY 66 $ 5,814,000 $ 88,090 $ 64,000
Victoria, TX 64 $ 5,502,000 $ 85,968 $ 134,000
Wichita Falls, TX 64 $ 5,152,000 $ 80,500 $ 73,000
Cheyenne, WY 63 $ 6,911,000 $ 109,698 $ 64,000
Dalton, GA 63 $ 6,206,000 $ 98,507 $ 63,000
Pocatello, ID 61 $ 5,544,000 $ 90,885 $ 58,000
Lawrence, KS 59 $ 6,630,000 $ 112,372 $ 76,000
Pine Bluff, AR 59 $ 4,053,000 $ 68,694 $ 54,000
Hinesville-Fort Stewart, GA 58 $ 5,588,000 $ 96,344 $ 54,000
Missoula, MT 57 $ 11,056,000 $ 193,964 $ 116,000
Dubuque, IA 56 $ 5,280,000 $ 94,285 $ 68,000
Houma-Bayou Cane-Thibodaux, LA 56 $ 4,609,000 $ 82,303 $ 56,000
Iowa City, IA 53 $ 5,397,000 $ 101,830 $ 61,000
Ithaca, NY 53 $ 6,913,000 $ 130,433 $ 76,000
Altoona, PA 51 $ 3,621,000 $ 71,000 $ 61,000
Grand Forks, ND-MN 51 $ 3,548,000 $ 69,568 $ 46,666
Florence-Muscle Shoals, AL 50 $ 4,602,000 $ 92,040 $ 60,000
Hot Springs, AR 50 $ 6,262,000 $ 125,240 $ 61,000
Lawton, OK 50 $ 3,892,000 $ 77,840 $ 57,000
Lake Charles, LA 43 $ 3,427,000 $ 79,697 $ 62,000
Rapid City, SD 40 $ 3,459,000 $ 86,475 $ 114,000
Ames, IA 36 $ 3,841,000 $ 106,694 $ 74,000
Gulfport-Biloxi, MS 34 $ 3,563,000 $ 104,794 $ 71,000
Danville, VA 29 $ 2,451,000 $ 84,517 $ 72,000
Great Falls, MT 29 $ 2,399,000 $ 82,724 $ 65,000
Jonesboro, AR 19 $ 2,129,000 $ 112,052 $ 63,000
Pascagoula, MS 19 $ 2,300,000 $ 121,052 $ 77,000
Fairbanks, AK 17 $ 2,626,000 $ 154,470 $ 75,000
Hattiesburg, MS 17 $ 1,468,000 $ 86,352 $ 61,000

Mortgage Loan Application Detail Totals for National City Bank in 2006

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
Home Purchase 360,591 $55,293,170,000 $153,000 $5,000,000 $95,000 $9,744,000
Refinancing 246,847 $42,855,428,000 $173,000 $6,000,000 $98,000 $9,999,000
Home Improvement 21,229 $2,523,124,000 $118,000 $4,000,000 $89,000 $9,999,000

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 359,747 $55,433,034,000 $154,000 $6,000,000 $98,000 $9,999,000
Hispanic 83,411 $14,529,619,000 $174,000 $2,925,000 $96,000 $5,873,000
Black or African American 75,840 $11,377,308,000 $150,000 $3,025,000 $79,000 $9,600,000
Not Provided 74,944 $12,074,536,000 $161,000 $4,000,000 $100,000 $9,999,000
Asian 22,522 $4,974,162,000 $220,000 $2,410,000 $137,000 $3,914,000
Not applicable 6,226 $1,206,362,000 $193,000 $1,700,000 $0 $181,000
Native Hawaiian or Other Pacific Islander 3,414 $701,287,000 $205,000 $2,000,000 $121,000 $1,656,000
American Indian or Alaskan Native 2,563 $375,414,000 $146,000 $2,450,000 $97,000 $6,956,000

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) 601,948 $96,723,466,000 $160,000 $6,000,000 $98,000 $9,999,000
FHA-insured (Federal Housing Administration) 20,104 $2,767,301,000 $137,000 $677,000 $48,000 $2,291,000
VA-guaranteed (Veterans Administration) 5,901 $1,105,131,000 $187,000 $624,000 $57,000 $888,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 714 $75,824,000 $106,000 $394,000 $40,000 $786,000

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 400,907 $63,615,098,000 $158,000 $6,000,000 $97,000 $9,999,000
Application Approved But Not Accepted 104,584 $16,694,141,000 $159,000 $5,000,000 $102,000 $9,744,000
Application Denied By Financial Institution 90,853 $13,980,093,000 $153,000 $4,300,000 $90,000 $8,640,000
Application Withdrawn By Applicant 13,495 $2,562,130,000 $189,000 $3,500,000 $105,000 $9,600,000
File Closed For Incompleteness 11,082 $2,383,258,000 $215,000 $3,400,000 $119,000 $4,200,000
Loan Purchased By The Institution 6,206 $1,197,922,000 $193,000 $1,000,000 $0 $181,000
Preapproval Denied by Financial Institution 1,540 $239,080,000 $155,000 $4,300,000 $56,000 $360,000
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 30,894 $4,312,475,000 $139,000 $3,025,000 $79,000 $6,000,000
Debt-To-Income Ratio 21,696 $3,211,565,000 $148,000 $2,700,000 $71,000 $4,059,000
Collateral 16,214 $2,649,435,000 $163,000 $2,500,000 $100,000 $8,640,000
Other 11,166 $1,700,701,000 $152,000 $4,300,000 $119,000 $2,424,000
Unverifiable Information 7,743 $1,539,422,000 $198,000 $4,300,000 $119,000 $2,640,000
Employment History 2,024 $294,923,000 $145,000 $4,000,000 $81,000 $1,410,000
Credit Application Incomplete 1,552 $317,780,000 $204,000 $3,000,000 $107,000 $5,520,000
Insufficient Cash (Downpayment, Closing Cost) 1,092 $189,553,000 $173,000 $2,000,000 $101,000 $1,828,000
Mortgage Insurance Denied 12 $3,319,000 $276,000 $643,000 $178,000 $407,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Bank's 2006 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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