Northern Trust, NA Mortgage Lending & HMDA Data, 2010
In 2010, Northern Trust, NA of Miami, FL reported 1,620 mortgage applications totaling $973.8 million, down 5% from 2009. The average application was for $601,101, and applicants reported an average income of $468,577. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (201), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (135) and North Port-Bradenton-Sarasota, FL (115) (applications in parentheses).
| Mortgage Company & Address | Northern Trust, NA 700 Brickell Ave Miami, FL 33131 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,620 |
| Total Mortgage Loan Application Amount | $973,785,000 |
| Average Mortgage Loan Application Amount | $601,101 |
| Highest Mortgage Loan Application Amount | $13,650,000 |
| Average Applicant Income | $468,577 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northern Trust, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Miami-Miami Beach-Kendall, FL | 201 | $ 84,455,000 | $ 420,174 | $ 367,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 135 | $ 45,647,000 | $ 338,125 | $ 334,000 |
| North Port-Bradenton-Sarasota, FL | 115 | $ 45,066,000 | $ 391,878 | $ 284,000 |
| Phoenix-Mesa-Glendale, AZ | 101 | $ 45,865,000 | $ 454,108 | $ 304,000 |
| Dallas-Plano-Irving, TX | 97 | $ 66,270,000 | $ 683,195 | $ 538,000 |
| Houston-Sugar Land-Baytown, TX | 90 | $ 46,646,000 | $ 518,288 | $ 507,000 |
| Sebastian-Vero Beach, FL | 90 | $ 31,299,000 | $ 347,766 | $ 328,000 |
| Tampa-St. Petersburg-Clearwater, FL | 74 | $ 31,810,000 | $ 429,864 | $ 401,000 |
| San Francisco-San Mateo-Redwood City, CA | 71 | $ 68,282,000 | $ 961,718 | $ 807,000 |
| Los Angeles-Long Beach-Glendale, CA | 58 | $ 91,515,000 | $ 1,577,844 | $ 1,097,000 |
| San Diego-Carlsbad-San Marcos, CA | 55 | $ 30,982,000 | $ 563,309 | $ 373,000 |
| Denver-Aurora-Broomfield, CO | 52 | $ 12,876,000 | $ 247,615 | $ 144,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 52 | $ 36,581,000 | $ 703,480 | $ 687,000 |
| Naples-Marco Island, FL | 51 | $ 40,665,000 | $ 797,352 | $ 670,000 |
| Cape Coral-Fort Myers, FL | 50 | $ 18,307,000 | $ 366,140 | $ 339,000 |
| Santa Ana-Anaheim-Irvine, CA | 37 | $ 26,299,000 | $ 710,783 | $ 545,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 30 | $ 33,713,000 | $ 1,123,766 | $ 506,000 |
| Tucson, AZ | 27 | $ 9,753,000 | $ 361,222 | $ 305,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 20 | $ 13,053,000 | $ 652,650 | $ 358,000 |
| Port St. Lucie, FL | 11 | $ 17,400,000 | $ 1,581,818 | $ 352,000 |
| Oakland-Fremont-Hayward, CA | 10 | $ 9,755,000 | $ 975,500 | $ 481,000 |
| New York-White Plains-Wayne, NY-NJ | 8 | $ 11,094,000 | $ 1,386,750 | $ 1,292,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 14,757,000 | $ 2,459,500 | $ 825,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 6,051,000 | $ 1,008,500 | $ 1,304,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 7,047,000 | $ 1,409,400 | $ 681,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 3,463,000 | $ 692,600 | $ 170,000 |
| Austin-Round Rock-San Marcos, TX | 4 | $ 11,910,000 | $ 2,977,500 | $ 1,947,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 4,404,000 | $ 1,101,000 | $ 302,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,472,000 | $ 490,666 | $ 195,000 |
| Salt Lake City, UT | 3 | $ 6,880,000 | $ 2,293,333 | $ 308,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,420,000 | $ 806,666 | $ 416,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 2,115,000 | $ 705,000 | $ 653,666 |
| Asheville, NC | 2 | $ 1,009,000 | $ 504,500 | $ 694,000 |
| Barnstable Town, MA | 2 | $ 2,260,000 | $ 1,130,000 | $ 4,188,000 |
| Boston-Quincy, MA | 2 | $ 1,995,000 | $ 997,500 | $ 838,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 1,400,000 | $ 700,000 | $ 440,000 |
| Fort Collins-Loveland, CO | 2 | $ 884,000 | $ 442,000 | $ 145,000 |
| Fort Worth-Arlington, TX | 2 | $ 688,000 | $ 344,000 | $ 98,000 |
| Napa, CA | 2 | $ 3,768,000 | $ 1,884,000 | $ 1,423,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,290,000 | $ 645,000 | $ 2,653,000 |
| Prescott, AZ | 2 | $ 1,345,000 | $ 672,500 | $ 139,000 |
| Raleigh-Cary, NC | 2 | $ 1,225,000 | $ 612,500 | $ 189,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 695,000 | $ 347,500 | $ 334,000 |
| Salinas, CA | 2 | $ 2,900,000 | $ 1,450,000 | $ 5,230,000 |
| Santa Fe, NM | 2 | $ 1,736,000 | $ 868,000 | $ 701,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 700,000 | $ 700,000 | $ 1,344,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 60,000 | $ 60,000 | $ 193,000 |
| Boulder, CO | 1 | $ 765,000 | $ 765,000 | $ 325,000 |
| Burlington-South Burlington, VT | 1 | $ 300,000 | $ 300,000 | $ 36,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 223,000 | $ 223,000 | $ 63,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 2,547,000 | $ 2,547,000 | $ 1,000,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 1,000,000 | $ 1,000,000 | $ 255,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| Coeur D'Alene, ID | 1 | $ 750,000 | $ 750,000 | $ 940,000 |
| Colorado Springs, CO | 1 | $ 258,000 | $ 258,000 | $ 90,000 |
| Fresno, CA | 1 | $ 1,050,000 | $ 1,050,000 | $ 4,223,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 1,820,000 | $ 1,820,000 | $ 1,072,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 1,071,000 | $ 1,071,000 | $ 769,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 650,000 | $ 650,000 | $ 550,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 191,000 | $ 191,000 | $ 80,000 |
| Ocala, FL | 1 | $ 39,000 | $ 39,000 | $ 326,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 417,000 | $ 417,000 | $ 816,000 |
| Reno-Sparks, NV | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Richmond, VA | 1 | $ 360,000 | $ 360,000 | $ 195,000 |
| San Antonio-New Braunfels, TX | 1 | $ 249,000 | $ 249,000 | $ 488,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 580,000 | $ 580,000 | $ 495,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 875,000 | $ 875,000 | $ 980,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 950,000 | $ 950,000 | $ 1,265,000 |
Mortgage Loan Application Detail Totals for Northern Trust, NA in 2010
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 | 1,147 | $560,223,000 | $488,000 | $13,650,000 | $393,000 | $9,999,000 |
| Refinancing | 428 | $369,645,000 | $863,000 | $9,148,000 | $643,000 | $9,999,000 |
| Home Improvement | 45 | $43,917,000 | $975,000 | $7,000,000 | $736,000 | $7,142,000 |
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 | 961 | $694,444,000 | $722,000 | $13,650,000 | $628,000 | $9,999,000 |
| Hispanic | 230 | $71,336,000 | $310,000 | $6,000,000 | $289,000 | $9,999,000 |
| Black or African American | 199 | $26,170,000 | $131,000 | $2,940,000 | $143,000 | $5,470,000 |
| Not applicable | 118 | $91,323,000 | $773,000 | $9,850,000 | $112,000 | $6,614,000 |
| Not Provided | 64 | $56,265,000 | $879,000 | $9,000,000 | $442,000 | $5,471,000 |
| Asian | 44 | $32,681,000 | $742,000 | $5,000,000 | $440,000 | $4,179,000 |
| American Indian or Alaskan Native | 3 | $1,091,000 | $363,000 | $910,000 | $149,000 | $383,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $475,000 | $475,000 | $475,000 | $125,000 | $125,000 |
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) | 1,620 | $973,785,000 | $601,000 | $13,650,000 | $469,000 | $9,999,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 1,153 | $715,405,000 | $620,000 | $13,650,000 | $516,000 | $9,999,000 |
| Application Denied By Financial Institution | 142 | $67,108,000 | $472,000 | $2,800,000 | $295,000 | $7,926,000 |
| Application Approved But Not Accepted | 105 | $103,665,000 | $987,000 | $9,148,000 | $743,000 | $9,999,000 |
| Loan Purchased By The Institution | 81 | $12,629,000 | $155,000 | $561,000 | $44,000 | $172,000 |
| Application Withdrawn By Applicant | 78 | $59,303,000 | $760,000 | $5,000,000 | $481,000 | $3,950,000 |
| Preapproval Denied by Financial Institution | 46 | $4,281,000 | $93,000 | $275,000 | $34,000 | $84,000 |
| File Closed For Incompleteness | 15 | $11,394,000 | $759,000 | $3,000,000 | $155,000 | $515,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 81 | $33,104,000 | $408,000 | $2,800,000 | $146,000 | $958,000 |
| Credit History | 53 | $5,428,000 | $102,000 | $650,000 | $40,000 | $224,000 |
| Collateral | 36 | $26,891,000 | $746,000 | $2,660,000 | $753,000 | $7,926,000 |
| Other | 13 | $3,506,000 | $269,000 | $1,000,000 | $91,000 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,640,000 | $820,000 | $1,530,000 | $468,000 | $901,000 |
| Unverifiable Information | 1 | $715,000 | $715,000 | $715,000 | $266,000 | $266,000 |
| Credit Application Incomplete | 1 | $70,000 | $70,000 | $70,000 | $86,000 | $86,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northern Trust, NA's 2010 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 Northern Trust, NA'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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