Oak Street Mortgage Mortgage Lending & HMDA Data, 2006
In 2006, Oak Street Mortgage of Carmel, IN reported 84,868 mortgage applications totaling $11.9 billion, down 10% from 2005. The average application was for $139,791, and applicants reported an average income of $66,575. 13% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (2,732), Philadelphia, PA (2,488) and Phoenix-Mesa-Scottsdale, AZ (2,295) (applications in parentheses).
| Mortgage Company & Address | Oak Street Mortgage 11555 N Meridian St Carmel, IN 46032 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 84,868 |
| Total Mortgage Loan Application Amount | $11,863,825,000 |
| Average Mortgage Loan Application Amount | $139,791 |
| Highest Mortgage Loan Application Amount | $2,450,000 |
| Average Applicant Income | $66,575 |
| Highest Applicant Income | $1,750,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Oak Street Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 2,732 | $ 428,352,000 | $ 156,790 | $ 81,000 |
| Philadelphia, PA | 2,488 | $ 341,633,000 | $ 137,312 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,295 | $ 394,384,000 | $ 171,844 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,165 | $ 515,080,000 | $ 237,912 | $ 91,139 |
| Tampa-St. Petersburg-Clearwater, FL | 2,083 | $ 295,809,000 | $ 142,011 | $ 59,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,857 | $ 283,672,000 | $ 152,758 | $ 68,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1,838 | $ 262,698,000 | $ 142,926 | $ 58,973 |
| Orlando-Kissimmee, FL | 1,578 | $ 241,392,000 | $ 152,973 | $ 60,000 |
| Indianapolis-Carmel, IN | 1,534 | $ 160,938,000 | $ 104,913 | $ 66,000 |
| Pittsburgh, PA | 1,455 | $ 138,537,000 | $ 95,214 | $ 56,000 |
| Richmond, VA | 1,377 | $ 188,131,000 | $ 136,623 | $ 62,000 |
| Jacksonville, FL | 1,295 | $ 162,658,000 | $ 125,604 | $ 56,000 |
| Detroit-Livonia-Dearborn, MI | 1,278 | $ 142,146,000 | $ 111,225 | $ 64,000 |
| Baltimore-Towson, MD | 1,250 | $ 184,739,000 | $ 147,791 | $ 69,000 |
| Warren-Troy-Farmington Hills, MI | 1,238 | $ 182,126,000 | $ 147,113 | $ 76,000 |
| Riverside-San Bernardino-Ontario, CA | 1,050 | $ 228,941,000 | $ 218,039 | $ 90,000 |
| St. Louis, MO-IL | 1,023 | $ 117,333,000 | $ 114,695 | $ 62,217 |
| Miami-Miami Beach-Kendall, FL | 1,007 | $ 179,068,000 | $ 177,823 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,002 | $ 172,040,000 | $ 171,696 | $ 73,000 |
| Kansas City, MO-KS | 953 | $ 108,468,000 | $ 113,817 | $ 63,039 |
| Los Angeles-Long Beach-Glendale, CA | 923 | $ 219,632,000 | $ 237,954 | $ 109,000 |
| Grand Rapids-Wyoming, MI | 906 | $ 101,054,000 | $ 111,538 | $ 63,000 |
| Providence-New Bedford-Fall River, RI-MA | 866 | $ 181,156,000 | $ 209,187 | $ 77,429 |
| Denver-Aurora, CO | 865 | $ 146,351,000 | $ 169,191 | $ 80,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 763 | $ 105,410,000 | $ 138,152 | $ 78,812 |
| Nashville-Davidson--Murfreesboro, TN | 744 | $ 91,965,000 | $ 123,608 | $ 57,000 |
| Boston-Quincy, MA | 709 | $ 161,803,000 | $ 228,212 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 653 | $ 90,008,000 | $ 137,837 | $ 62,000 |
| Lakeland, FL | 639 | $ 78,275,000 | $ 122,496 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 626 | $ 107,945,000 | $ 172,436 | $ 77,000 |
| Cincinnati-Middletown, OH-KY-IN | 574 | $ 61,201,000 | $ 106,621 | $ 60,233 |
| Hartford-West Hartford-East Hartford, CT | 557 | $ 86,182,000 | $ 154,725 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 553 | $ 94,442,000 | $ 170,781 | $ 72,000 |
| Memphis, TN-MS-AR | 539 | $ 59,795,000 | $ 110,936 | $ 63,538 |
| Seattle-Bellevue-Everett, WA | 520 | $ 100,716,000 | $ 193,684 | $ 90,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 497 | $ 109,398,000 | $ 220,116 | $ 104,000 |
| Palm Bay-Melbourne-Titusville, FL | 496 | $ 68,611,000 | $ 138,328 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 495 | $ 47,738,000 | $ 96,440 | $ 55,000 |
| Tucson, AZ | 472 | $ 67,674,000 | $ 143,377 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 466 | $ 58,736,000 | $ 126,042 | $ 52,000 |
| Worcester, MA | 464 | $ 80,867,000 | $ 174,282 | $ 75,000 |
| Pensacola-Ferry Pass-Brent, FL | 460 | $ 50,769,000 | $ 110,367 | $ 51,000 |
| Sarasota-Bradenton-Venice, FL | 443 | $ 71,858,000 | $ 162,207 | $ 65,000 |
| Cambridge-Newton-Framingham, MA | 430 | $ 99,654,000 | $ 231,753 | $ 92,000 |
| Springfield, MA | 413 | $ 57,699,000 | $ 139,707 | $ 61,000 |
| New Haven-Milford, CT | 393 | $ 61,248,000 | $ 155,847 | $ 71,000 |
| Ocala, FL | 393 | $ 45,299,000 | $ 115,264 | $ 53,000 |
| Harrisburg-Carlisle, PA | 391 | $ 45,291,000 | $ 115,833 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 390 | $ 98,955,000 | $ 253,730 | $ 111,000 |
| Reading, PA | 379 | $ 44,182,000 | $ 116,575 | $ 61,000 |
| Port St. Lucie-Fort Pierce, FL | 363 | $ 55,271,000 | $ 152,261 | $ 62,000 |
| Gary, IN | 362 | $ 37,609,000 | $ 103,892 | $ 64,000 |
| Roanoke, VA | 354 | $ 40,813,000 | $ 115,290 | $ 52,000 |
| York-Hanover, PA | 347 | $ 46,666,000 | $ 134,484 | $ 61,000 |
| Bethesda-Gaithersburg-Frederick, MD | 332 | $ 76,374,000 | $ 230,042 | $ 100,000 |
| Flint, MI | 330 | $ 33,182,000 | $ 100,551 | $ 60,000 |
| Lynchburg, VA | 308 | $ 34,080,000 | $ 110,649 | $ 48,000 |
| Wichita, KS | 307 | $ 28,790,000 | $ 93,778 | $ 60,000 |
| Oakland-Fremont-Hayward, CA | 304 | $ 83,398,000 | $ 274,335 | $ 110,000 |
| Essex County, MA | 299 | $ 67,566,000 | $ 225,973 | $ 89,000 |
| Greenville, SC | 290 | $ 32,788,000 | $ 113,062 | $ 52,000 |
| Lancaster, PA | 289 | $ 34,220,000 | $ 118,408 | $ 55,000 |
| Louisville-Jefferson County, KY-IN | 279 | $ 28,173,000 | $ 100,978 | $ 57,161 |
| Knoxville, TN | 271 | $ 30,101,000 | $ 111,073 | $ 52,000 |
| Kalamazoo-Portage, MI | 269 | $ 29,202,000 | $ 108,557 | $ 56,000 |
| Bridgeport-Stamford-Norwalk, CT | 264 | $ 57,458,000 | $ 217,643 | $ 103,000 |
| Lansing-East Lansing, MI | 263 | $ 30,180,000 | $ 114,752 | $ 56,000 |
| Charlotte-Gastonia-Concord, NC-SC | 259 | $ 35,906,000 | $ 138,633 | $ 56,227 |
| Santa Ana-Anaheim-Irvine, CA | 254 | $ 62,430,000 | $ 245,787 | $ 129,000 |
| Cleveland-Elyria-Mentor, OH | 251 | $ 27,009,000 | $ 107,605 | $ 62,000 |
| Rockford, IL | 247 | $ 24,930,000 | $ 100,931 | $ 63,000 |
| Tacoma, WA | 246 | $ 38,634,000 | $ 157,048 | $ 76,000 |
| Columbia, SC | 245 | $ 30,589,000 | $ 124,853 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 242 | $ 22,271,000 | $ 92,028 | $ 55,995 |
| Tallahassee, FL | 239 | $ 28,740,000 | $ 120,251 | $ 55,000 |
| Chattanooga, TN-GA | 236 | $ 25,896,000 | $ 109,728 | $ 57,881 |
| Columbus, OH | 233 | $ 27,151,000 | $ 116,527 | $ 71,000 |
| Colorado Springs, CO | 230 | $ 33,472,000 | $ 145,530 | $ 71,000 |
| Bakersfield, CA | 226 | $ 34,032,000 | $ 150,584 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 226 | $ 35,243,000 | $ 155,942 | $ 87,871 |
| Las Vegas-Paradise, NV | 218 | $ 40,302,000 | $ 184,871 | $ 100,000 |
| Charlottesville, VA | 209 | $ 32,067,000 | $ 153,430 | $ 63,000 |
| Davenport-Moline-Rock Island, IA-IL | 206 | $ 18,567,000 | $ 90,131 | $ 53,766 |
| Kingsport-Bristol-Bristol, TN-VA | 200 | $ 18,183,000 | $ 90,915 | $ 42,200 |
| Springfield, MO | 199 | $ 19,610,000 | $ 98,542 | $ 56,000 |
| Fresno, CA | 198 | $ 31,576,000 | $ 159,474 | $ 77,000 |
| Fort Wayne, IN | 188 | $ 16,654,000 | $ 88,585 | $ 53,000 |
| Milwaukee-Waukesha-West Allis, WI | 188 | $ 23,073,000 | $ 122,728 | $ 71,000 |
| Danville, VA | 186 | $ 16,026,000 | $ 86,161 | $ 44,000 |
| Portland-Vancouver-Beaverton, OR-WA | 185 | $ 28,660,000 | $ 154,918 | $ 82,156 |
| Holland-Grand Haven, MI | 184 | $ 22,638,000 | $ 123,032 | $ 70,000 |
| Muskegon-Norton Shores, MI | 180 | $ 18,079,000 | $ 100,438 | $ 54,000 |
| Charleston-North Charleston, SC | 178 | $ 27,092,000 | $ 152,202 | $ 71,000 |
| Macon, GA | 177 | $ 20,639,000 | $ 116,604 | $ 49,000 |
| Spokane, WA | 173 | $ 21,561,000 | $ 124,630 | $ 57,000 |
| South Bend-Mishawaka, IN-MI | 169 | $ 14,723,000 | $ 87,118 | $ 50,875 |
| Stockton, CA | 160 | $ 39,460,000 | $ 246,625 | $ 97,000 |
| Erie, PA | 154 | $ 14,167,000 | $ 91,993 | $ 50,000 |
| Saginaw-Saginaw Township North, MI | 153 | $ 13,938,000 | $ 91,098 | $ 56,000 |
| Blacksburg-Christiansburg-Radford, VA | 152 | $ 15,428,000 | $ 101,500 | $ 53,000 |
| Jackson, MI | 151 | $ 16,152,000 | $ 106,966 | $ 51,000 |
| Visalia-Porterville, CA | 148 | $ 21,364,000 | $ 144,351 | $ 65,000 |
| Gainesville, FL | 146 | $ 17,033,000 | $ 116,664 | $ 55,000 |
| Naples-Marco Island, FL | 141 | $ 33,975,000 | $ 240,957 | $ 90,000 |
| Fort Walton Beach-Crestview-Destin, FL | 140 | $ 20,081,000 | $ 143,435 | $ 59,000 |
| Savannah, GA | 136 | $ 17,154,000 | $ 126,132 | $ 59,000 |
| Johnstown, PA | 135 | $ 11,254,000 | $ 83,362 | $ 50,000 |
| Modesto, CA | 135 | $ 26,358,000 | $ 195,244 | $ 83,000 |
| Joplin, MO | 134 | $ 11,224,000 | $ 83,761 | $ 54,000 |
| Niles-Benton Harbor, MI | 132 | $ 14,541,000 | $ 110,159 | $ 54,000 |
| Dayton, OH | 130 | $ 13,182,000 | $ 101,400 | $ 57,000 |
| Spartanburg, SC | 130 | $ 14,770,000 | $ 113,615 | $ 50,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 128 | $ 30,918,000 | $ 241,546 | $ 101,000 |
| Newark-Union, NJ-PA | 127 | $ 18,357,000 | $ 144,543 | $ 64,000 |
| Panama City-Lynn Haven, FL | 126 | $ 17,475,000 | $ 138,690 | $ 52,000 |
| Clarksville, TN-KY | 125 | $ 12,663,000 | $ 101,304 | $ 59,120 |
| Punta Gorda, FL | 122 | $ 16,031,000 | $ 131,401 | $ 54,000 |
| Altoona, PA | 121 | $ 9,736,000 | $ 80,462 | $ 46,000 |
| Terre Haute, IN | 121 | $ 9,135,000 | $ 75,495 | $ 49,000 |
| Vallejo-Fairfield, CA | 121 | $ 28,128,000 | $ 232,462 | $ 98,000 |
| Battle Creek, MI | 117 | $ 9,651,000 | $ 82,487 | $ 44,000 |
| Raleigh-Cary, NC | 117 | $ 15,130,000 | $ 129,316 | $ 65,000 |
| Lebanon, PA | 116 | $ 13,491,000 | $ 116,301 | $ 56,000 |
| Evansville, IN-KY | 114 | $ 10,018,000 | $ 87,877 | $ 54,263 |
| Akron, OH | 113 | $ 11,473,000 | $ 101,530 | $ 59,000 |
| Des Moines-West Des Moines, IA | 111 | $ 10,576,000 | $ 95,279 | $ 53,000 |
| Barnstable Town, MA | 108 | $ 25,235,000 | $ 233,657 | $ 81,000 |
| Norwich-New London, CT | 108 | $ 18,041,000 | $ 167,046 | $ 75,000 |
| Ann Arbor, MI | 107 | $ 14,194,000 | $ 132,654 | $ 74,000 |
| Williamsport, PA | 107 | $ 9,581,000 | $ 89,542 | $ 48,000 |
| Prescott, AZ | 106 | $ 18,356,000 | $ 173,169 | $ 79,000 |
| Greeley, CO | 105 | $ 18,547,000 | $ 176,638 | $ 69,000 |
| Winchester, VA-WV | 103 | $ 19,475,000 | $ 189,077 | $ 79,000 |
| Anderson, IN | 102 | $ 9,197,000 | $ 90,166 | $ 53,000 |
| Topeka, KS | 101 | $ 8,549,000 | $ 84,643 | $ 51,000 |
| Monroe, MI | 98 | $ 13,002,000 | $ 132,673 | $ 72,000 |
| Sebastian-Vero Beach, FL | 97 | $ 10,891,000 | $ 112,278 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 96 | $ 24,140,000 | $ 251,458 | $ 116,000 |
| Greensboro-High Point, NC | 95 | $ 11,769,000 | $ 123,884 | $ 52,000 |
| Muncie, IN | 95 | $ 6,829,000 | $ 71,884 | $ 46,000 |
| Grand Junction, CO | 88 | $ 11,141,000 | $ 126,602 | $ 63,000 |
| Pueblo, CO | 87 | $ 9,848,000 | $ 113,195 | $ 50,000 |
| Yuma, AZ | 87 | $ 10,269,000 | $ 118,034 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 85 | $ 8,805,000 | $ 103,588 | $ 51,447 |
| Hagerstown-Martinsburg, MD-WV | 85 | $ 14,443,000 | $ 169,917 | $ 66,235 |
| Peoria, IL | 84 | $ 7,283,000 | $ 86,702 | $ 55,000 |
| Bloomington, IN | 83 | $ 7,584,000 | $ 91,373 | $ 51,000 |
| St. Joseph, MO-KS | 83 | $ 7,171,000 | $ 86,397 | $ 47,481 |
| Elkhart-Goshen, IN | 82 | $ 8,369,000 | $ 102,060 | $ 55,000 |
| Toledo, OH | 80 | $ 8,306,000 | $ 103,825 | $ 59,000 |
| Kokomo, IN | 79 | $ 6,453,000 | $ 81,683 | $ 59,000 |
| Winston-Salem, NC | 79 | $ 10,247,000 | $ 129,708 | $ 55,000 |
| Bremerton-Silverdale, WA | 77 | $ 13,197,000 | $ 171,389 | $ 70,000 |
| Salisbury, MD | 77 | $ 9,309,000 | $ 120,896 | $ 59,000 |
| San Francisco-San Mateo-Redwood City, CA | 77 | $ 20,246,000 | $ 262,935 | $ 118,000 |
| State College, PA | 74 | $ 8,549,000 | $ 115,527 | $ 55,000 |
| Harrisonburg, VA | 73 | $ 9,519,000 | $ 130,397 | $ 49,000 |
| Kennewick-Richland-Pasco, WA | 73 | $ 8,392,000 | $ 114,958 | $ 70,000 |
| Michigan City-La Porte, IN | 73 | $ 5,980,000 | $ 81,917 | $ 73,000 |
| Duluth, MN-WI | 71 | $ 7,070,000 | $ 99,577 | $ 54,084 |
| Fayetteville, NC | 71 | $ 8,442,000 | $ 118,901 | $ 54,000 |
| Pittsfield, MA | 70 | $ 8,786,000 | $ 125,514 | $ 58,000 |
| Olympia, WA | 69 | $ 10,605,000 | $ 153,695 | $ 74,000 |
| Rochester, MN | 69 | $ 7,511,000 | $ 108,855 | $ 76,000 |
| Fort Collins-Loveland, CO | 68 | $ 10,513,000 | $ 154,602 | $ 70,000 |
| Lexington-Fayette, KY | 68 | $ 7,479,000 | $ 109,985 | $ 56,000 |
| Johnson City, TN | 67 | $ 7,430,000 | $ 110,895 | $ 48,000 |
| Lafayette, IN | 64 | $ 6,216,000 | $ 97,125 | $ 57,000 |
| Cedar Rapids, IA | 63 | $ 5,928,000 | $ 94,095 | $ 57,000 |
| Salt Lake City, UT | 63 | $ 9,084,000 | $ 144,190 | $ 78,000 |
| Morristown, TN | 62 | $ 7,191,000 | $ 115,983 | $ 47,000 |
| Yakima, WA | 60 | $ 6,378,000 | $ 106,300 | $ 50,000 |
| Boulder, CO | 59 | $ 11,288,000 | $ 191,322 | $ 84,000 |
| Champaign-Urbana, IL | 58 | $ 5,039,000 | $ 86,879 | $ 63,000 |
| Anderson, SC | 57 | $ 6,717,000 | $ 117,842 | $ 52,000 |
| Durham, NC | 57 | $ 7,216,000 | $ 126,596 | $ 48,000 |
| Merced, CA | 57 | $ 11,454,000 | $ 200,947 | $ 81,000 |
| Bay City, MI | 56 | $ 5,099,000 | $ 91,053 | $ 56,000 |
| Wilmington, DE-MD-NJ | 56 | $ 8,857,000 | $ 158,160 | $ 70,000 |
| Hickory-Lenoir-Morganton, NC | 54 | $ 5,174,000 | $ 95,814 | $ 47,000 |
| Yuba City, CA | 53 | $ 8,956,000 | $ 168,981 | $ 79,000 |
| Asheville, NC | 52 | $ 7,046,000 | $ 135,500 | $ 52,000 |
| Canton-Massillon, OH | 52 | $ 4,127,000 | $ 79,365 | $ 42,000 |
| Cumberland, MD-WV | 52 | $ 5,069,000 | $ 97,480 | $ 52,000 |
| Jefferson City, MO | 52 | $ 5,272,000 | $ 101,384 | $ 59,000 |
| Flagstaff, AZ | 51 | $ 10,467,000 | $ 205,235 | $ 84,000 |
| Redding, CA | 50 | $ 8,839,000 | $ 176,780 | $ 70,000 |
| Santa Barbara-Santa Maria, CA | 50 | $ 12,633,000 | $ 252,660 | $ 85,000 |
| Chico, CA | 49 | $ 6,797,000 | $ 138,714 | $ 68,000 |
| Columbia, MO | 48 | $ 4,499,000 | $ 93,729 | $ 51,000 |
| Jackson, TN | 48 | $ 4,932,000 | $ 102,750 | $ 47,000 |
| Omaha-Council Bluffs, NE-IA | 48 | $ 5,029,000 | $ 104,770 | $ 56,729 |
| Columbus, IN | 45 | $ 4,615,000 | $ 102,555 | $ 58,000 |
| El Centro, CA | 45 | $ 7,135,000 | $ 158,555 | $ 81,000 |
| Madera, CA | 45 | $ 8,039,000 | $ 178,644 | $ 71,000 |
| Madison, WI | 45 | $ 6,922,000 | $ 153,822 | $ 74,000 |
| Santa Rosa-Petaluma, CA | 45 | $ 10,149,000 | $ 225,533 | $ 91,000 |
| St. Cloud, MN | 45 | $ 5,195,000 | $ 115,444 | $ 58,000 |
| Longview, WA | 43 | $ 4,962,000 | $ 115,395 | $ 74,000 |
| Green Bay, WI | 42 | $ 4,243,000 | $ 101,023 | $ 64,000 |
| Rocky Mount, NC | 42 | $ 4,763,000 | $ 113,404 | $ 41,000 |
| Kankakee-Bradley, IL | 41 | $ 4,483,000 | $ 109,341 | $ 59,000 |
| Owensboro, KY | 41 | $ 3,617,000 | $ 88,219 | $ 46,000 |
| Florence, SC | 40 | $ 5,081,000 | $ 127,025 | $ 57,000 |
| Hanford-Corcoran, CA | 40 | $ 4,726,000 | $ 118,150 | $ 67,000 |
| Provo-Orem, UT | 39 | $ 6,451,000 | $ 165,410 | $ 96,000 |
| Sumter, SC | 39 | $ 3,265,000 | $ 83,717 | $ 48,000 |
| Bloomington-Normal, IL | 38 | $ 4,340,000 | $ 114,210 | $ 63,000 |
| Columbus, GA-AL | 38 | $ 3,627,000 | $ 95,447 | $ 53,000 |
| Wilmington, NC | 38 | $ 6,017,000 | $ 158,342 | $ 53,000 |
| San Luis Obispo-Paso Robles, CA | 37 | $ 8,469,000 | $ 228,891 | $ 83,000 |
| Jackson, MS | 36 | $ 3,480,000 | $ 96,666 | $ 62,000 |
| Salinas, CA | 36 | $ 9,327,000 | $ 259,083 | $ 73,000 |
| Mount Vernon-Anacortes, WA | 34 | $ 6,030,000 | $ 177,352 | $ 67,000 |
| Springfield, IL | 34 | $ 3,014,000 | $ 88,647 | $ 61,000 |
| Cleveland, TN | 31 | $ 3,107,000 | $ 100,225 | $ 47,000 |
| Janesville, WI | 30 | $ 3,631,000 | $ 121,033 | $ 54,000 |
| Wenatchee, WA | 30 | $ 4,531,000 | $ 151,033 | $ 68,000 |
| Decatur, IL | 29 | $ 3,419,000 | $ 117,896 | $ 93,000 |
| Goldsboro, NC | 29 | $ 2,857,000 | $ 98,517 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 29 | $ 4,988,000 | $ 172,000 | $ 87,000 |
| Burlington, NC | 28 | $ 3,396,000 | $ 121,285 | $ 45,000 |
| Grand Forks, ND-MN | 28 | $ 2,433,000 | $ 86,892 | $ 51,000 |
| Huntington-Ashland, WV-KY-OH | 28 | $ 3,153,000 | $ 112,607 | $ 83,857 |
| Waterloo-Cedar Falls, IA | 28 | $ 2,501,000 | $ 89,321 | $ 39,000 |
| Greenville, NC | 27 | $ 2,477,000 | $ 91,740 | $ 50,000 |
| Lawrence, KS | 27 | $ 3,012,000 | $ 111,555 | $ 62,000 |
| Warner Robins, GA | 27 | $ 3,093,000 | $ 114,555 | $ 70,000 |
| Bellingham, WA | 26 | $ 4,763,000 | $ 183,192 | $ 72,000 |
| Gainesville, GA | 26 | $ 3,239,000 | $ 124,576 | $ 64,000 |
| Sioux City, IA-NE-SD | 24 | $ 1,919,000 | $ 79,958 | $ 49,000 |
| Weirton-Steubenville, WV-OH | 24 | $ 1,745,000 | $ 72,708 | $ 42,000 |
| Brunswick, GA | 23 | $ 2,848,000 | $ 123,826 | $ 52,000 |
| Appleton, WI | 22 | $ 2,701,000 | $ 122,772 | $ 62,000 |
| Bowling Green, KY | 22 | $ 2,339,000 | $ 106,318 | $ 54,000 |
| Eau Claire, WI | 22 | $ 1,850,000 | $ 84,090 | $ 60,000 |
| Elizabethtown, KY | 22 | $ 2,549,000 | $ 115,863 | $ 49,000 |
| Jacksonville, NC | 22 | $ 2,633,000 | $ 119,681 | $ 52,000 |
| Lima, OH | 22 | $ 1,715,000 | $ 77,954 | $ 43,000 |
| Springfield, OH | 22 | $ 2,144,000 | $ 97,454 | $ 48,000 |
| Racine, WI | 21 | $ 2,870,000 | $ 136,666 | $ 72,000 |
| Eugene-Springfield, OR | 20 | $ 2,313,000 | $ 115,650 | $ 63,000 |
| Santa Cruz-Watsonville, CA | 20 | $ 3,904,000 | $ 195,200 | $ 99,000 |
| Dalton, GA | 19 | $ 2,047,000 | $ 107,736 | $ 55,000 |
| Danville, IL | 19 | $ 1,072,000 | $ 56,421 | $ 54,000 |
| Napa, CA | 19 | $ 6,845,000 | $ 360,263 | $ 149,000 |
| Ogden-Clearfield, UT | 19 | $ 2,154,000 | $ 113,368 | $ 59,000 |
| Mansfield, OH | 18 | $ 1,742,000 | $ 96,777 | $ 53,000 |
| Athens-Clarke County, GA | 17 | $ 1,907,000 | $ 112,176 | $ 51,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 17 | $ 1,586,000 | $ 93,294 | $ 45,000 |
| Rome, GA | 17 | $ 1,563,000 | $ 91,941 | $ 42,000 |
| Sandusky, OH | 17 | $ 2,288,000 | $ 134,588 | $ 54,000 |
| Oshkosh-Neenah, WI | 16 | $ 2,164,000 | $ 135,250 | $ 64,000 |
| St. George, UT | 16 | $ 2,297,000 | $ 143,562 | $ 72,000 |
| Fargo, ND-MN | 14 | $ 1,690,000 | $ 120,714 | $ 74,000 |
| Albany, GA | 13 | $ 1,435,000 | $ 110,384 | $ 64,000 |
| Ames, IA | 12 | $ 859,000 | $ 71,583 | $ 62,000 |
| Wheeling, WV-OH | 12 | $ 1,257,000 | $ 104,750 | $ 59,000 |
| Fond Du Lac, WI | 11 | $ 802,000 | $ 72,909 | $ 54,000 |
| Medford, OR | 11 | $ 1,302,000 | $ 118,363 | $ 111,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 11 | $ 1,132,000 | $ 102,909 | $ 44,000 |
| Sheboygan, WI | 11 | $ 1,061,000 | $ 96,454 | $ 68,000 |
| Wausau, WI | 11 | $ 1,242,000 | $ 112,909 | $ 45,000 |
| Bend, OR | 10 | $ 1,333,000 | $ 133,300 | $ 62,000 |
| Dubuque, IA | 10 | $ 895,000 | $ 89,500 | $ 58,000 |
| Salem, OR | 9 | $ 899,000 | $ 99,888 | $ 59,000 |
| Reno-Sparks, NV | 8 | $ 1,804,000 | $ 225,500 | $ 102,000 |
| Iowa City, IA | 7 | $ 1,116,000 | $ 159,428 | $ 72,000 |
| Valdosta, GA | 7 | $ 1,118,000 | $ 159,714 | $ 50,000 |
| La Crosse, WI-MN | 5 | $ 572,000 | $ 114,400 | $ 77,000 |
| Oklahoma City, OK | 4 | $ 299,000 | $ 74,750 | $ 60,000 |
| Albuquerque, NM | 3 | $ 641,000 | $ 213,666 | $ 76,000 |
| Gulfport-Biloxi, MS | 3 | $ 379,000 | $ 126,333 | $ 49,000 |
| Dallas-Plano-Irving, TX | 2 | $ 240,000 | $ 120,000 | $ 156,000 |
| Hattiesburg, MS | 2 | $ 227,000 | $ 113,500 | $ 50,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 77,000 | $ 38,500 | $ 28,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 162,000 | $ 81,000 | $ 42,000 |
| Lewiston, ID-WA | 2 | $ 178,000 | $ 89,000 | $ 72,000 |
| Amarillo, TX | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Atlantic City, NJ | 1 | $ 66,000 | $ 66,000 | $ 23,000 |
| Baton Rouge, LA | 1 | $ 126,000 | $ 126,000 | $ 39,000 |
| Boise City-Nampa, ID | 1 | $ 180,000 | $ 180,000 | $ 49,000 |
| Corpus Christi, TX | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Las Cruces, NM | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Logan, UT-ID | 1 | $ 144,000 | $ 144,000 | $ 60,000 |
| Lubbock, TX | 1 | $ 85,000 | $ 85,000 | $ 12,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Ocean City, NJ | 1 | $ 440,000 | $ 440,000 | $ 150,000 |
| Pocatello, ID | 1 | $ 181,000 | $ 181,000 | $ 108,000 |
| San Juan-Caguas-Guaynabo, PR | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Oak Street Mortgage 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 |
|---|---|---|---|---|---|---|
| Refinancing | 75,105 | $10,552,728,000 | $140,000 | $2,450,000 | $66,000 | $1,664,000 |
| Home Purchase | 9,763 | $1,311,097,000 | $134,000 | $1,500,000 | $71,000 | $1,750,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 39,554 | $5,625,625,000 | $142,000 | $2,450,000 | $66,000 | $1,750,000 |
| White | 31,720 | $4,242,514,000 | $133,000 | $2,000,000 | $67,000 | $1,664,000 |
| Black or African American | 8,775 | $1,179,414,000 | $134,000 | $1,000,000 | $61,000 | $1,200,000 |
| Hispanic | 3,907 | $651,626,000 | $166,000 | $1,300,000 | $70,000 | $720,000 |
| Asian | 587 | $115,170,000 | $196,000 | $1,600,000 | $88,000 | $800,000 |
| American Indian or Alaskan Native | 192 | $25,692,000 | $133,000 | $800,000 | $65,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 133 | $23,784,000 | $178,000 | $1,000,000 | $108,000 | $1,645,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 84,868 | $11,863,825,000 | $139,000 | $2,450,000 | $66,000 | $1,750,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 41,234 | $5,952,349,000 | $144,000 | $2,450,000 | $69,000 | $1,664,000 |
| Application Denied By Financial Institution | 31,652 | $4,365,255,000 | $137,000 | $2,000,000 | $62,000 | $1,750,000 |
| Loan Originated | 10,898 | $1,389,421,000 | $127,000 | $884,000 | $69,000 | $1,593,000 |
| Application Approved But Not Accepted | 1,084 | $156,800,000 | $144,000 | $738,000 | $70,000 | $480,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 Application Incomplete | 10,513 | $1,472,256,000 | $140,000 | $1,900,000 | $70,000 | $1,440,000 |
| Credit History | 8,334 | $1,055,531,000 | $126,000 | $1,500,000 | $52,000 | $1,462,000 |
| Other | 5,995 | $872,363,000 | $145,000 | $1,400,000 | $68,000 | $1,750,000 |
| Collateral | 2,724 | $359,946,000 | $132,000 | $2,000,000 | $60,000 | $640,000 |
| Debt-To-Income Ratio | 2,668 | $403,742,000 | $151,000 | $1,013,000 | $47,000 | $904,000 |
| Unverifiable Information | 1,304 | $186,433,000 | $142,000 | $1,600,000 | $65,000 | $800,000 |
| Employment History | 114 | $14,984,000 | $131,000 | $625,000 | $59,000 | $422,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oak Street Mortgage'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 Oak Street Mortgage'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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.
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