National City Mortgage Service Mortgage Lending & HMDA Data, 2004
In 2004, National City Mortgage Service of Cleveland, OH reported 6,500 mortgage applications totaling $1.1 billion, down 62% from 2003. The average application was for $165,119, and applicants reported an average income of $72,368. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Warren-Farmington Hills-Troy, MI (1,874), Detroit-Livonia-Dearborn, MI (959) and Holland-Grand Haven, MI (488) (applications in parentheses).
| Mortgage Company & Address | National City Mortgage Service 1900 E 9th Street Locator 01-3013 Cleveland, OH 44114 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 6,500 |
| Total Mortgage Loan Application Amount | $1,073,275,000 |
| Average Mortgage Loan Application Amount | $165,119 |
| Highest Mortgage Loan Application Amount | $2,155,000 |
| Average Applicant Income | $72,368 |
| Highest Applicant Income | $2,323,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National City Mortgage Service filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland, Michigan | 1,141 | $ 259,969,000 | $ 227,843 | $ 92,000 |
| Wayne, Michigan | 959 | $ 150,350,000 | $ 156,777 | $ 66,000 |
| Ottawa, Michigan | 488 | $ 69,432,000 | $ 142,278 | $ 61,000 |
| Macomb, Michigan | 382 | $ 58,740,000 | $ 153,769 | $ 71,000 |
| Washtenaw, Michigan | 372 | $ 99,808,000 | $ 268,301 | $ 117,000 |
| Kent, Michigan | 363 | $ 50,999,000 | $ 140,493 | $ 54,000 |
| Kalamazoo, Michigan | 342 | $ 49,795,000 | $ 145,599 | $ 84,000 |
| Livingston, Michigan | 200 | $ 40,561,000 | $ 202,805 | $ 98,000 |
| Muskegon, Michigan | 187 | $ 20,525,000 | $ 109,759 | $ 51,000 |
| Allegan, Michigan | 177 | $ 24,667,000 | $ 139,361 | $ 56,000 |
| Ingham, Michigan | 122 | $ 14,591,000 | $ 119,598 | $ 55,000 |
| Genesee, Michigan | 121 | $ 14,289,000 | $ 118,090 | $ 48,000 |
| Bay, Michigan | 111 | $ 10,630,000 | $ 95,765 | $ 58,000 |
| Monroe, Michigan | 111 | $ 16,234,000 | $ 146,252 | $ 61,000 |
| Lapeer, Michigan | 105 | $ 14,819,000 | $ 141,133 | $ 48,000 |
| Van Buren, Michigan | 105 | $ 14,406,000 | $ 137,200 | $ 60,000 |
| Saginaw, Michigan | 94 | $ 10,858,000 | $ 115,510 | $ 54,000 |
| Grand Traverse, Michigan | 74 | $ 12,383,000 | $ 167,337 | $ 81,000 |
| Iosco, Michigan | 54 | $ 5,366,000 | $ 99,370 | $ 52,000 |
| Mason, Michigan | 48 | $ 6,329,000 | $ 131,854 | $ 43,000 |
| St. Clair, Michigan | 46 | $ 6,584,000 | $ 143,130 | $ 47,000 |
| Barry, Michigan | 44 | $ 6,714,000 | $ 152,590 | $ 70,000 |
| Eaton, Michigan | 44 | $ 5,293,000 | $ 120,295 | $ 62,000 |
| Calhoun, Michigan | 41 | $ 4,157,000 | $ 101,390 | $ 73,000 |
| Isabella, Michigan | 39 | $ 4,715,000 | $ 120,897 | $ 71,000 |
| Clinton, Michigan | 38 | $ 5,867,000 | $ 154,394 | $ 91,000 |
| Clare, Michigan | 35 | $ 3,300,000 | $ 94,285 | $ 53,000 |
| Tuscola, Michigan | 28 | $ 3,138,000 | $ 112,071 | $ 50,000 |
| Chippewa, Michigan | 27 | $ 2,046,000 | $ 75,777 | $ 66,000 |
| Branch, Michigan | 26 | $ 3,403,000 | $ 130,884 | $ 59,000 |
| Houghton, Michigan | 24 | $ 2,175,000 | $ 90,625 | $ 52,000 |
| Lenawee, Michigan | 24 | $ 3,522,000 | $ 146,750 | $ 54,000 |
| Manistee, Michigan | 24 | $ 2,687,000 | $ 111,958 | $ 56,000 |
| Emmet, Michigan | 23 | $ 5,717,000 | $ 248,565 | $ 237,000 |
| Marquette, Michigan | 22 | $ 2,330,000 | $ 105,909 | $ 110,000 |
| Antrim, Michigan | 21 | $ 2,725,000 | $ 129,761 | $ 192,000 |
| Midland, Michigan | 21 | $ 2,873,000 | $ 136,809 | $ 55,000 |
| Oceana, Michigan | 20 | $ 2,364,000 | $ 118,200 | $ 45,000 |
| Ogemaw, Michigan | 20 | $ 2,107,000 | $ 105,350 | $ 88,000 |
| Cheboygan, Michigan | 19 | $ 3,463,000 | $ 182,263 | $ 89,000 |
| Jackson, Michigan | 19 | $ 2,772,000 | $ 145,894 | $ 64,000 |
| Crawford, Michigan | 17 | $ 1,626,000 | $ 95,647 | $ 80,000 |
| Montcalm, Michigan | 16 | $ 2,093,000 | $ 130,812 | $ 77,000 |
| Benzie, Michigan | 15 | $ 4,080,000 | $ 272,000 | $ 139,000 |
| Leelanau, Michigan | 14 | $ 5,224,000 | $ 373,142 | $ 188,000 |
| Berrien, Michigan | 13 | $ 1,733,000 | $ 133,307 | $ 70,000 |
| Gladwin, Michigan | 13 | $ 1,806,000 | $ 138,923 | $ 58,000 |
| Newaygo, Michigan | 13 | $ 1,548,000 | $ 119,076 | $ 62,000 |
| Otsego, Michigan | 13 | $ 1,718,000 | $ 132,153 | $ 59,000 |
| Huron, Michigan | 12 | $ 2,200,000 | $ 183,333 | $ 114,000 |
| Ionia, Michigan | 12 | $ 1,624,000 | $ 135,333 | $ 57,000 |
| Shiawassee, Michigan | 12 | $ 1,357,000 | $ 113,083 | $ 61,000 |
| Montmorency, Michigan | 11 | $ 1,327,000 | $ 120,636 | $ 60,000 |
| Presque Isle, Michigan | 11 | $ 2,429,000 | $ 220,818 | $ 132,000 |
| Alcona, Michigan | 10 | $ 705,000 | $ 70,500 | $ 57,000 |
| Charlevoix, Michigan | 10 | $ 2,034,000 | $ 203,400 | $ 160,000 |
| Gogebic, Michigan | 10 | $ 800,000 | $ 80,000 | $ 81,000 |
| Mecosta, Michigan | 10 | $ 1,226,000 | $ 122,600 | $ 81,000 |
| Roscommon, Michigan | 10 | $ 974,000 | $ 97,400 | $ 66,000 |
| Kalkaska, Michigan | 9 | $ 967,000 | $ 107,444 | $ 65,000 |
| Wexford, Michigan | 9 | $ 1,043,000 | $ 115,888 | $ 64,000 |
| Alpena, Michigan | 8 | $ 1,259,000 | $ 157,375 | $ 73,000 |
| Mackinac, Michigan | 8 | $ 1,106,000 | $ 138,250 | $ 135,000 |
| Lake, Michigan | 7 | $ 501,000 | $ 71,571 | $ 64,000 |
| St. Joseph, Michigan | 7 | $ 712,000 | $ 101,714 | $ 101,000 |
| Gratiot, Michigan | 6 | $ 459,000 | $ 76,500 | $ 47,000 |
| Hillsdale, Michigan | 6 | $ 963,000 | $ 160,500 | $ 62,000 |
| Osceola, Michigan | 6 | $ 742,000 | $ 123,666 | $ 57,000 |
| Arenac, Michigan | 5 | $ 631,000 | $ 126,200 | $ 75,000 |
| Dickinson, Michigan | 5 | $ 461,000 | $ 92,200 | $ 44,000 |
| Cass, Michigan | 4 | $ 584,000 | $ 146,000 | $ 86,000 |
| Oscoda, Michigan | 4 | $ 1,049,000 | $ 262,250 | $ 99,000 |
| Baraga, Michigan | 3 | $ 286,000 | $ 95,333 | $ 158,000 |
| Menominee, Michigan | 3 | $ 405,000 | $ 135,000 | $ 50,000 |
| Sanilac, Michigan | 3 | $ 464,000 | $ 154,666 | $ 123,000 |
| Keweenaw, Michigan | 2 | $ 122,000 | $ 61,000 | $ 31,000 |
| Luce, Michigan | 2 | $ 135,000 | $ 67,500 | $ 62,000 |
| Missaukee, Michigan | 2 | $ 201,000 | $ 100,500 | $ 75,000 |
| Maricopa, Arizona | 1 | $ 212,000 | $ 212,000 | $ 61,000 |
| Palm Beach, Florida | 1 | $ 1,172,000 | $ 1,172,000 | $ 512,000 |
| Alger, Michigan | 1 | $ 224,000 | $ 224,000 | $ 79,000 |
| Delta, Michigan | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Ontonagon, Michigan | 1 | $ 40,000 | $ 40,000 | $ 16,000 |
| Fulton, Ohio | 1 | $ 229,000 | $ 229,000 | $ 82,000 |
| Lake, Ohio | 1 | $ 245,000 | $ 245,000 | $ 199,000 |
| Virginia Beach, Virginia | 1 | $ 58,000 | $ 58,000 | $ 0 |
Mortgage Loan Application Detail Totals for National City Mortgage Service 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 | 3,382 | $573,746,000 | $371,200 | $2,155,000 | $170,000 | $2,323,000 |
| Home Purchase | 2,978 | $470,198,000 | $185,333 | $1,780,000 | $69,000 | $1,964,000 |
| Home Improvement | 140 | $29,331,000 | $209,000 | $1,000,000 | $90,000 | $589,000 |
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 | 5,528 | $918,083,000 | $392,600 | $1,980,000 | $157,000 | $2,323,000 |
| Black or African American | 350 | $51,659,000 | $173,000 | $852,000 | $98,333 | $444,000 |
| Not Provided | 224 | $39,568,000 | $137,000 | $2,155,000 | $78,500 | $1,207,000 |
| Hispanic | 145 | $19,863,000 | $97,500 | $650,000 | $29,500 | $308,000 |
| Asian | 126 | $24,409,000 | $186,500 | $803,000 | $80,500 | $525,000 |
| American Indian or Alaskan Native | 105 | $14,029,000 | $133,000 | $392,000 | $91,000 | $350,000 |
| Not applicable | 12 | $2,428,000 | $202,000 | $1,000,000 | $83,000 | $456,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,236,000 | $323,000 | $1,250,000 | $105,000 | $220,000 |
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) | 5,946 | $1,010,128,000 | $396,800 | $2,155,000 | $173,200 | $2,323,000 |
| FHA-insured (Federal Housing Administration) | 481 | $53,942,000 | $97,333 | $221,000 | $23,666 | $160,000 |
| VA-guaranteed (Veterans Administration) | 58 | $7,635,000 | $131,000 | $252,000 | $42,000 | $118,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,570,000 | $101,000 | $160,000 | $54,000 | $67,000 |
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 | 5,677 | $942,572,000 | $197,500 | $2,155,000 | $80,000 | $2,323,000 |
| Application Approved But Not Accepted | 563 | $87,937,000 | $124,666 | $1,800,000 | $44,666 | $559,000 |
| Application Denied By Financial Institution | 188 | $28,669,000 | $443,750 | $1,390,000 | $208,750 | $512,000 |
| Application Withdrawn By Applicant | 46 | $9,376,000 | $203,000 | $1,800,000 | $73,000 | $694,000 |
| File Closed For Incompleteness | 17 | $3,178,000 | $186,000 | $563,000 | $82,000 | $270,000 |
| Preapproval Denied by Financial Institution | 9 | $1,543,000 | $171,000 | $563,000 | $59,000 | $312,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 72 | $11,077,000 | $472,333 | $1,390,000 | $209,666 | $512,000 |
| Credit Application Incomplete | 64 | $9,891,000 | $198,750 | $780,000 | $98,000 | $364,000 |
| Debt-To-Income Ratio | 29 | $4,680,000 | $216,500 | $828,000 | $49,000 | $127,000 |
| Collateral | 21 | $2,532,000 | $120,000 | $340,000 | $62,000 | $171,000 |
| Other | 6 | $675,000 | $112,000 | $173,000 | $85,000 | $113,000 |
| Unverifiable Information | 2 | $1,071,000 | $535,000 | $991,000 | $230,000 | $434,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $109,000 | $36,000 | $47,000 |
| Employment History | 1 | $86,000 | $86,000 | $86,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National City Mortgage Service'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 Mortgage Service'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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