National City Bank of the Midw Mortgage Lending & HMDA Data, 2003
In 2003, National City Bank of the Midw of Cleveland, OH reported 1,610 mortgage applications totaling $363.5 million. The average application was for $225,746, and applicants reported an average income of $77,768. 20% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Detroit, MI (466), Grand Rapids-Muskegon-Holland, MI (180) and Chicago, IL (119) (applications in parentheses).
| Mortgage Company & Address | National City Bank of the Midw 1900 East Ninth Cleveland, OH 44114 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,610 |
| Total Mortgage Loan Application Amount | $363,452,000 |
| Average Mortgage Loan Application Amount | $225,746 |
| Highest Mortgage Loan Application Amount | $8,100,000 |
| Average Applicant Income | $77,768 |
| Highest Applicant Income | $5,149,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National City Bank of the Midw filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Detroit, MI | 466 | $ 87,847,000 | $ 188,512 | $ 66,000 |
| Grand Rapids-Muskegon-Holland, MI | 180 | $ 24,817,000 | $ 137,872 | $ 35,000 |
| Chicago, IL | 119 | $ 50,380,000 | $ 423,361 | $ 90,000 |
| Ann Arbor, MI | 101 | $ 24,758,000 | $ 245,128 | $ 37,000 |
| Kalamazoo-Battle Creek, MI | 72 | $ 17,845,000 | $ 247,847 | $ 44,000 |
| Peoria-Pekin, IL | 57 | $ 16,757,000 | $ 293,982 | $ 3,000 |
| Saginaw-Bay City-Midland, MI | 33 | $ 4,555,000 | $ 138,030 | $ 40,000 |
| Lansing-East Lansing, MI | 30 | $ 4,301,000 | $ 143,366 | $ 36,000 |
| Fort Myers-Cape Coral, FL | 23 | $ 6,738,000 | $ 292,956 | $ 214,000 |
| Phoenix-Mesa, AZ | 19 | $ 7,493,000 | $ 394,368 | $ 475,000 |
| Naples, FL | 15 | $ 4,681,000 | $ 312,066 | $ 550,000 |
| Bloomington-Normal, IL | 14 | $ 2,519,000 | $ 179,928 | $ 0 |
| Springfield, IL | 12 | $ 3,794,000 | $ 316,166 | $ 0 |
| Cleveland-Lorain-Elyria, OH | 10 | $ 1,940,000 | $ 194,000 | $ 233,000 |
| Flint, MI | 10 | $ 846,000 | $ 84,600 | $ 45,000 |
| Fort Lauderdale, FL | 10 | $ 12,088,000 | $ 1,208,800 | $ 910,000 |
| Sarasota-Bradenton, FL | 10 | $ 3,609,000 | $ 360,900 | $ 327,000 |
| Toledo, OH | 9 | $ 1,324,000 | $ 147,111 | $ 220,000 |
| Los Angeles-Long Beach, CA | 8 | $ 2,581,000 | $ 322,625 | $ 107,000 |
| Orlando, FL | 8 | $ 983,000 | $ 122,875 | $ 141,000 |
| Indianapolis, IN | 7 | $ 1,399,000 | $ 199,857 | $ 301,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 751,000 | $ 107,285 | $ 157,000 |
| West Palm Beach-Boca Raton, FL | 7 | $ 1,249,000 | $ 178,428 | $ 327,000 |
| Denver, CO | 6 | $ 1,086,000 | $ 181,000 | $ 70,000 |
| New York, NY | 6 | $ 1,772,000 | $ 295,333 | $ 258,000 |
| Rockford, IL | 6 | $ 497,000 | $ 82,833 | $ 0 |
| Decatur, IL | 5 | $ 686,000 | $ 137,200 | $ 0 |
| Daytona Beach, FL | 4 | $ 1,106,000 | $ 276,500 | $ 229,000 |
| Fort Pierce-Port St. Lucie, FL | 4 | $ 253,000 | $ 63,250 | $ 91,000 |
| Jackson, MI | 4 | $ 539,000 | $ 134,750 | $ 4,000 |
| Milwaukee-Waukesha, WI | 4 | $ 1,052,000 | $ 263,000 | $ 235,000 |
| Nashville, TN | 4 | $ 794,000 | $ 198,500 | $ 37,000 |
| Pittsburgh, PA | 4 | $ 533,000 | $ 133,250 | $ 133,000 |
| San Diego, CA | 4 | $ 1,398,000 | $ 349,500 | $ 51,000 |
| Benton Harbor, MI | 3 | $ 280,000 | $ 93,333 | $ 43,000 |
| Bloomington, IN | 3 | $ 1,542,000 | $ 514,000 | $ 142,000 |
| Champaign-Urbana, IL | 3 | $ 352,000 | $ 117,333 | $ 0 |
| Knoxville, TN | 3 | $ 346,000 | $ 115,333 | $ 64,000 |
| Las Vegas, NV-AZ | 3 | $ 1,238,000 | $ 412,666 | $ 90,000 |
| Miami, FL | 3 | $ 1,276,000 | $ 425,333 | $ 260,000 |
| Minneapolis-St. Paul, MN-WI | 3 | $ 1,174,000 | $ 391,333 | $ 112,000 |
| Myrtle Beach, SC | 3 | $ 498,000 | $ 166,000 | $ 1,014,000 |
| Philadelphia, PA-NJ | 3 | $ 1,077,000 | $ 359,000 | $ 144,000 |
| Riverside-San Bernardino, CA | 3 | $ 656,000 | $ 218,666 | $ 150,000 |
| Boston, MA-NH | 2 | $ 472,000 | $ 236,000 | $ 152,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 302,000 | $ 151,000 | $ 131,000 |
| Cincinnati, OH-KY-IN | 2 | $ 268,000 | $ 134,000 | $ 20,000 |
| Columbus, OH | 2 | $ 440,000 | $ 220,000 | $ 132,000 |
| Dayton-Springfield, OH | 2 | $ 247,000 | $ 123,500 | $ 64,000 |
| Evansville-Henderson, IN-KY | 2 | $ 274,000 | $ 137,000 | $ 201,000 |
| Fort Wayne, IN | 2 | $ 268,000 | $ 134,000 | $ 20,000 |
| Hamilton-Middletown, OH | 2 | $ 343,000 | $ 171,500 | $ 32,000 |
| Huntsville, AL | 2 | $ 277,000 | $ 138,500 | $ 86,000 |
| Jacksonville, FL | 2 | $ 924,000 | $ 462,000 | $ 44,000 |
| Kankakee, IL | 2 | $ 777,000 | $ 388,500 | $ 51,000 |
| Melbourne-Titusville-Palm Bay, FL | 2 | $ 253,000 | $ 126,500 | $ 0 |
| Punta Gorda, FL | 2 | $ 813,000 | $ 406,500 | $ 48,000 |
| Raleigh-Durham-Chapel Hill, NC | 2 | $ 343,000 | $ 171,500 | $ 43,000 |
| Tucson, AZ | 2 | $ 251,000 | $ 125,500 | $ 98,000 |
| Akron, OH | 1 | $ 350,000 | $ 350,000 | $ 200,000 |
| Atlanta, GA | 1 | $ 490,000 | $ 490,000 | $ 261,000 |
| Austin-San Marcos, TX | 1 | $ 167,000 | $ 167,000 | $ 60,000 |
| Baltimore, MD | 1 | $ 240,000 | $ 240,000 | $ 71,000 |
| Canton-Massillon, OH | 1 | $ 128,000 | $ 128,000 | $ 55,000 |
| Charleston-North Charleston, SC | 1 | $ 301,000 | $ 301,000 | $ 272,000 |
| Charlottesville, VA | 1 | $ 600,000 | $ 600,000 | $ 177,000 |
| Chico-Paradise, CA | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 960,000 | $ 960,000 | $ 0 |
| Duluth-Superior, MN-WI | 1 | $ 60,000 | $ 60,000 | $ 19,000 |
| Gainesville, FL | 1 | $ 177,000 | $ 177,000 | $ 184,000 |
| Gary, IN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Harrisburg-Lebanon-Carlisle, PA | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Kansas City, MO-KS | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Kenosha, WI | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Lafayette, IN | 1 | $ 122,000 | $ 122,000 | $ 61,000 |
| Lakeland-Winter Haven, FL | 1 | $ 105,000 | $ 105,000 | $ 113,000 |
| Lancaster, PA | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Lexington, KY | 1 | $ 219,000 | $ 219,000 | $ 46,000 |
| Louisville, KY-IN | 1 | $ 248,000 | $ 248,000 | $ 90,000 |
| Middlesex-Somerset-Hunterdon, NJ | 1 | $ 536,000 | $ 536,000 | $ 190,000 |
| Monmouth-Ocean, NJ | 1 | $ 304,000 | $ 304,000 | $ 142,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 56,000 | $ 56,000 | $ 30,000 |
| Oakland, CA | 1 | $ 411,000 | $ 411,000 | $ 0 |
| Racine, WI | 1 | $ 188,000 | $ 188,000 | $ 96,000 |
| Reno, NV | 1 | $ 138,000 | $ 138,000 | $ 70,000 |
| Richmond-Petersburg, VA | 1 | $ 191,000 | $ 191,000 | $ 122,000 |
| Roanoke, VA | 1 | $ 500,000 | $ 500,000 | $ 362,000 |
| Rochester, MN | 1 | $ 181,000 | $ 181,000 | $ 180,000 |
| Salt Lake City-Ogden, UT | 1 | $ 323,000 | $ 323,000 | $ 288,000 |
| San Francisco, CA | 1 | $ 254,000 | $ 254,000 | $ 103,000 |
| Santa Fe, NM | 1 | $ 323,000 | $ 323,000 | $ 121,000 |
| Savannah, GA | 1 | $ 275,000 | $ 275,000 | $ 153,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 116,000 | $ 116,000 | $ 111,000 |
| South Bend, IN | 1 | $ 860,000 | $ 860,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 127,000 | $ 127,000 | $ 65,000 |
| Wilmington, NC | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 400,000 | $ 400,000 | $ 0 |
Mortgage Loan Application Detail Totals for National City Bank of the Midw 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) | 936 | $234,289,000 | $250,366 | $8,100,000 | $157,800 | $5,149,000 |
| Home Purchase (one-to-four family) | 668 | $128,119,000 | $269,714 | $1,915,000 | $97,357 | $827,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 6 | $1,044,000 | $183,000 | $348,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $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 | 733 | $135,857,000 | $229,000 | $8,100,000 | $160,218 | $5,149,000 |
| Not applicable | 655 | $192,317,000 | $534,133 | $4,800,000 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 126 | $19,800,000 | $194,133 | $650,000 | $140,266 | $723,000 |
| Black | 44 | $7,860,000 | $256,583 | $960,000 | $110,416 | $480,000 |
| Hispanic | 18 | $2,505,000 | $125,333 | $499,000 | $59,333 | $214,000 |
| Asian or Pacific Islander | 16 | $2,845,000 | $245,500 | $630,000 | $235,666 | $804,000 |
| Other | 12 | $1,806,000 | $218,500 | $450,000 | $54,000 | $88,000 |
| American Indian or Alaskan Native | 6 | $462,000 | $77,000 | $163,000 | $26,000 | $78,000 |
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) | 1,560 | $357,894,000 | $269,722 | $8,100,000 | $135,472 | $5,149,000 |
| FHA-insured (Federal Housing Administration) | 45 | $4,964,000 | $113,500 | $298,000 | $15,500 | $165,000 |
| VA-guaranteed (Veterans Administration) | 4 | $534,000 | $133,000 | $184,000 | $45,000 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $60,000 | $60,000 | $60,000 | $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 Purchased By The Institution | 655 | $192,317,000 | $534,133 | $4,800,000 | $0 | $0 |
| Application Approved But Not Accepted | 416 | $56,646,000 | $170,000 | $598,000 | $161,200 | $827,000 |
| Loan Originated | 316 | $79,473,000 | $230,781 | $8,100,000 | $165,750 | $5,149,000 |
| Application Withdrawn By Applicant | 206 | $32,762,000 | $348,090 | $960,000 | $93,454 | $395,000 |
| File Closed For Incompleteness | 10 | $1,508,000 | $171,000 | $291,000 | $38,666 | $149,000 |
| Application Denied By Financial Institution | 7 | $746,000 | $106,000 | $154,000 | $38,000 | $78,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 5 | $624,000 | $124,000 | $154,000 | $48,000 | $78,000 |
| Debt-To-Income Ratio | 1 | $53,000 | $53,000 | $53,000 | $0 | $0 |
| Collateral | 1 | $69,000 | $69,000 | $69,000 | $23,000 | $23,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Bank of the Midw'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 of the Midw'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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