Oakland Commerce Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Oakland Commerce Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Oakland Commerce Bank 31731 Northwestern Highway Farmington Hills, MI 48334 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2003 |
| Total Number of Mortgage Applications | 3,654 |
| Total Mortgage Loan Application Amount | $567,846,000 |
| Average Mortgage Loan Application Amount | $166,410 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $100,358 |
| Highest Applicant Income | $3,029,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Oakland Commerce Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Oakland Commerce Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Oakland Commerce Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Oakland Commerce Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Oakland Commerce Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Oakland Commerce Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa County Arizona | 541 | $ 115,544,000 | $ 213,000 | $ 165,000 |
| Wayne County Michigan | 322 | $ 41,352,000 | $ 128,000 | $ 49,000 |
| Ottawa County Michigan | 290 | $ 41,282,000 | $ 142,000 | $ 53,000 |
| Washtenaw County Michigan | 282 | $ 53,254,000 | $ 188,000 | $ 86,000 |
| Oakland County Michigan | 192 | $ 33,683,000 | $ 175,000 | $ 73,000 |
| Muskegon County Michigan | 162 | $ 22,778,000 | $ 140,000 | $ 80,000 |
| Kalamazoo County Michigan | 156 | $ 20,814,000 | $ 133,000 | $ 61,000 |
| Ingham County Michigan | 128 | $ 13,790,000 | $ 107,000 | $ 62,000 |
| Kent County Michigan | 124 | $ 18,666,000 | $ 150,000 | $ 58,000 |
| Clark County Nevada | 121 | $ 17,730,000 | $ 146,000 | $ 65,000 |
| Hawaii County Hawaii | 112 | $ 14,521,000 | $ 129,000 | $ 50,000 |
| Elkhart County Indiana | 96 | $ 10,981,000 | $ 114,000 | $ 66,000 |
| Clinton County Michigan | 84 | $ 10,733,000 | $ 127,000 | $ 49,000 |
| Macomb County Michigan | 73 | $ 11,146,000 | $ 152,000 | $ 53,000 |
| Livingston County Michigan | 70 | $ 12,596,000 | $ 179,000 | $ 80,000 |
| Shiawassee County Michigan | 59 | $ 6,415,000 | $ 108,000 | $ 41,000 |
| Pima County Arizona | 58 | $ 10,164,000 | $ 175,000 | $ 114,000 |
| Genesee County Michigan | 46 | $ 5,535,000 | $ 120,000 | $ 73,000 |
| Allegan County Michigan | 41 | $ 6,166,000 | $ 150,000 | $ 72,000 |
| Napa County California | 38 | $ 10,019,000 | $ 263,000 | $ 114,000 |
| Marion County Indiana | 32 | $ 3,981,000 | $ 124,000 | $ 40,000 |
| Allen County Indiana | 31 | $ 2,533,000 | $ 81,000 | $ 49,000 |
| Bernalillo County New Mexico | 30 | $ 4,566,000 | $ 152,000 | $ 130,000 |
| Multnomah County Oregon | 28 | $ 3,731,000 | $ 133,000 | $ 26,000 |
| Eaton County Michigan | 27 | $ 2,854,000 | $ 105,000 | $ 43,000 |
| Gladwin County Michigan | 20 | $ 1,500,000 | $ 75,000 | $ 52,000 |
| Clackamas County Oregon | 20 | $ 3,031,000 | $ 151,000 | $ 46,000 |
| Van Buren County Michigan | 19 | $ 2,943,000 | $ 154,000 | $ 103,000 |
| Jackson County Michigan | 18 | $ 1,949,000 | $ 108,000 | $ 45,000 |
| Yuma County Arizona | 15 | $ 1,415,000 | $ 94,000 | $ 59,000 |
| Clare County Michigan | 14 | $ 881,000 | $ 62,000 | $ 45,000 |
| Iosco County Michigan | 14 | $ 1,367,000 | $ 97,000 | $ 57,000 |
| Barry County Michigan | 13 | $ 1,478,000 | $ 113,000 | $ 56,000 |
| Hendricks County Indiana | 12 | $ 1,846,000 | $ 153,000 | $ 60,000 |
| Johnson County Indiana | 12 | $ 1,486,000 | $ 123,000 | $ 55,000 |
| St. Joseph County Indiana | 12 | $ 1,598,000 | $ 133,000 | $ 58,000 |
| Gratiot County Michigan | 12 | $ 782,000 | $ 65,000 | $ 51,000 |
| Franklin County Ohio | 12 | $ 1,148,000 | $ 95,000 | $ 78,000 |
| Navajo County Arizona | 11 | $ 2,117,000 | $ 192,000 | $ 176,000 |
| Monroe County Michigan | 11 | $ 1,624,000 | $ 147,000 | $ 67,000 |
| San Diego County California | 10 | $ 3,880,000 | $ 388,000 | $ 230,000 |
| Ionia County Michigan | 10 | $ 1,033,000 | $ 103,000 | $ 47,000 |
| Saginaw County Michigan | 9 | $ 783,000 | $ 87,000 | $ 37,000 |
| Coconino County Arizona | 8 | $ 1,579,000 | $ 197,000 | $ 164,000 |
| Cass County Michigan | 8 | $ 1,308,000 | $ 163,000 | $ 105,000 |
| St. Clair County Michigan | 8 | $ 1,333,000 | $ 166,000 | $ 71,000 |
| Yavapai County Arizona | 7 | $ 2,227,000 | $ 318,000 | $ 193,000 |
| Charlevoix County Michigan | 7 | $ 1,813,000 | $ 259,000 | $ 167,000 |
| Lapeer County Michigan | 7 | $ 1,054,000 | $ 150,000 | $ 71,000 |
| Pinal County Arizona | 6 | $ 545,000 | $ 90,000 | $ 113,000 |
| Clark County Washington | 6 | $ 793,000 | $ 132,000 | $ 35,000 |
| Cochise County Arizona | 5 | $ 573,000 | $ 114,000 | $ 38,000 |
| Douglas County Colorado | 5 | $ 1,319,000 | $ 263,000 | $ 88,000 |
| Hamilton County Indiana | 5 | $ 725,000 | $ 145,000 | $ 78,000 |
| Calhoun County Michigan | 5 | $ 377,000 | $ 75,000 | $ 88,000 |
| Grand Traverse County Michigan | 5 | $ 578,000 | $ 115,000 | $ 213,000 |
| Lenawee County Michigan | 5 | $ 543,000 | $ 108,000 | $ 62,000 |
| Washington County Oregon | 5 | $ 848,000 | $ 169,000 | $ 46,000 |
| Gila County Arizona | 4 | $ 718,000 | $ 179,000 | $ 155,000 |
| Orange County California | 4 | $ 1,083,000 | $ 270,000 | $ 135,000 |
| Adams County Indiana | 4 | $ 284,000 | $ 71,000 | $ 35,000 |
| Morgan County Indiana | 4 | $ 590,000 | $ 147,000 | $ 98,000 |
| Antrim County Michigan | 4 | $ 764,000 | $ 191,000 | $ 181,000 |
| Branch County Michigan | 4 | $ 297,000 | $ 74,000 | $ 43,000 |
| Emmet County Michigan | 4 | $ 570,000 | $ 142,000 | $ 182,000 |
| Isabella County Michigan | 4 | $ 311,000 | $ 77,000 | $ 50,000 |
| Lake County Michigan | 4 | $ 515,000 | $ 128,000 | $ 106,000 |
| Oceana County Michigan | 4 | $ 560,000 | $ 140,000 | $ 127,000 |
| Roscommon County Michigan | 4 | $ 320,000 | $ 80,000 | $ 75,000 |
| Valencia County New Mexico | 4 | $ 496,000 | $ 124,000 | $ 86,000 |
| Maui County Hawaii | 3 | $ 526,000 | $ 175,000 | $ 65,000 |
| Cook County Illinois | 3 | $ 889,000 | $ 296,000 | $ 87,000 |
| Wells County Indiana | 3 | $ 347,000 | $ 115,000 | $ 71,000 |
| Alcona County Michigan | 3 | $ 215,000 | $ 71,000 | $ 32,000 |
| Manistee County Michigan | 3 | $ 561,000 | $ 187,000 | $ 202,000 |
| Midland County Michigan | 3 | $ 249,000 | $ 83,000 | $ 57,000 |
| Montcalm County Michigan | 3 | $ 383,000 | $ 127,000 | $ 75,000 |
| St. Joseph County Michigan | 3 | $ 314,000 | $ 104,000 | $ 70,000 |
| Placer County California | 2 | $ 344,000 | $ 172,000 | $ 159,000 |
| Riverside County California | 2 | $ 427,000 | $ 213,000 | $ 354,000 |
| Lee County Florida | 2 | $ 221,000 | $ 110,000 | $ 61,000 |
| Orange County Florida | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| Sarasota County Florida | 2 | $ 848,000 | $ 424,000 | $ 249,000 |
| DeKalb County Indiana | 2 | $ 203,000 | $ 101,000 | $ 39,000 |
| Kosciusko County Indiana | 2 | $ 253,000 | $ 126,000 | $ 60,000 |
| Noble County Indiana | 2 | $ 192,000 | $ 96,000 | $ 59,000 |
| Putnam County Indiana | 2 | $ 215,000 | $ 107,000 | $ 54,000 |
| Alpena County Michigan | 2 | $ 121,000 | $ 60,000 | $ 64,000 |
| Arenac County Michigan | 2 | $ 125,000 | $ 62,000 | $ 23,000 |
| Bay County Michigan | 2 | $ 126,000 | $ 63,000 | $ 65,000 |
| Mason County Michigan | 2 | $ 144,000 | $ 72,000 | $ 76,000 |
| Mecosta County Michigan | 2 | $ 230,000 | $ 115,000 | $ 71,000 |
| Missaukee County Michigan | 2 | $ 240,000 | $ 120,000 | $ 37,000 |
| Otsego County Michigan | 2 | $ 406,000 | $ 203,000 | $ 62,000 |
| Sanilac County Michigan | 2 | $ 450,000 | $ 225,000 | $ 128,000 |
| Tuscola County Michigan | 2 | $ 195,000 | $ 97,000 | $ 26,000 |
| Nye County Nevada | 2 | $ 386,000 | $ 193,000 | $ 216,000 |
| Sandoval County New Mexico | 2 | $ 1,622,000 | $ 811,000 | $ 39,000 |
| Licking County Ohio | 2 | $ 99,000 | $ 49,000 | $ 125,000 |
| Summit County Ohio | 2 | $ 140,000 | $ 70,000 | $ 49,000 |
| Apache County Arizona | 1 | $ 288,000 | $ 288,000 | $ 145,000 |
| Mohave County Arizona | 1 | $ 120,000 | $ 120,000 | $ 213,000 |
| Santa Cruz County Arizona | 1 | $ 202,000 | $ 202,000 | $ 83,000 |
| Solano County California | 1 | $ 184,000 | $ 184,000 | $ 72,000 |
| Sonoma County California | 1 | $ 178,000 | $ 178,000 | $ 99,000 |
| Yolo County California | 1 | $ 288,000 | $ 288,000 | $ 170,000 |
| Brevard County Florida | 1 | $ 78,000 | $ 78,000 | $ 38,000 |
| Clay County Florida | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Collier County Florida | 1 | $ 218,000 | $ 218,000 | $ 287,000 |
| Duval County Florida | 1 | $ 186,000 | $ 186,000 | $ 74,000 |
| Marion County Florida | 1 | $ 128,000 | $ 128,000 | $ 36,000 |
| Monroe County Florida | 1 | $ 660,000 | $ 660,000 | $ 0 |
| Pinellas County Florida | 1 | $ 42,000 | $ 42,000 | $ 92,000 |
| Chatham County Georgia | 1 | $ 234,000 | $ 234,000 | $ 75,000 |
| DeKalb County Georgia | 1 | $ 200,000 | $ 200,000 | $ 175,000 |
| Fulton County Georgia | 1 | $ 261,000 | $ 261,000 | $ 88,000 |
| Bonner County Idaho | 1 | $ 155,000 | $ 155,000 | $ 275,000 |
| Boone County Indiana | 1 | $ 82,000 | $ 82,000 | $ 32,000 |
| Brown County Indiana | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Fountain County Indiana | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| LaGrange County Indiana | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Lake County Indiana | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| LaPorte County Indiana | 1 | $ 47,000 | $ 47,000 | $ 154,000 |
| Monroe County Indiana | 1 | $ 107,000 | $ 107,000 | $ 73,000 |
| Montgomery County Indiana | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Rush County Indiana | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Shelby County Indiana | 1 | $ 141,000 | $ 141,000 | $ 46,000 |
| Whitley County Indiana | 1 | $ 62,000 | $ 62,000 | $ 161,000 |
| Suffolk County Massachusetts | 1 | $ 137,000 | $ 137,000 | $ 120,000 |
| Benzie County Michigan | 1 | $ 156,000 | $ 156,000 | $ 33,000 |
| Cheboygan County Michigan | 1 | $ 137,000 | $ 137,000 | $ 78,000 |
| Hillsdale County Michigan | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Kalkaska County Michigan | 1 | $ 260,000 | $ 260,000 | $ 63,000 |
| Leelanau County Michigan | 1 | $ 250,000 | $ 250,000 | $ 150,000 |
| Newaygo County Michigan | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Ogemaw County Michigan | 1 | $ 70,000 | $ 70,000 | $ 28,000 |
| Oscoda County Michigan | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Schoolcraft County Michigan | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Wexford County Michigan | 1 | $ 78,000 | $ 78,000 | $ 39,000 |
| Stearns County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Gallatin County Montana | 1 | $ 172,000 | $ 172,000 | $ 285,000 |
| San Juan County New Mexico | 1 | $ 104,000 | $ 104,000 | $ 124,000 |
| San Miguel County New Mexico | 1 | $ 64,000 | $ 64,000 | $ 32,000 |
| Sierra County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Hamilton County Ohio | 1 | $ 206,000 | $ 206,000 | $ 149,000 |
| Madison County Ohio | 1 | $ 181,000 | $ 181,000 | $ 218,000 |
| Medina County Ohio | 1 | $ 247,000 | $ 247,000 | $ 99,000 |
| Montgomery County Ohio | 1 | $ 39,000 | $ 39,000 | $ 48,000 |
| Warren County Ohio | 1 | $ 97,000 | $ 97,000 | $ 69,000 |
| Columbia County Oregon | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Deschutes County Oregon | 1 | $ 293,000 | $ 293,000 | $ 480,000 |
| Sevier County Tennessee | 1 | $ 224,000 | $ 224,000 | $ 135,000 |
| Bell County Texas | 1 | $ 73,000 | $ 73,000 | $ 97,000 |
| Bexar County Texas | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Dallas County Texas | 1 | $ 101,000 | $ 101,000 | $ 45,000 |
| Harris County Texas | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Kane County Utah | 1 | $ 254,000 | $ 254,000 | $ 190,000 |
| Washington County Utah | 1 | $ 71,000 | $ 71,000 | $ 113,000 |
| King County Washington | 1 | $ 218,000 | $ 218,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Oakland Commerce Bank 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) | 2,559 | $406,613,000 | $179,722 | $1,500,000 | $93,444 | $3,029,000 |
| Home Purchase (one-to-four family) | 1,081 | $159,781,000 | $169,000 | $1,155,000 | $110,117 | $1,233,000 |
| Home Improvement (one-to-four family) | 14 | $1,452,000 | $95,500 | $197,000 | $90,000 | $160,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 3,379 | $525,632,000 | $173,523 | $1,500,000 | $111,571 | $3,029,000 |
| Information not provided by applicant in mail or telephone application | 87 | $14,368,000 | $157,750 | $1,000,000 | $95,875 | $400,000 |
| Hispanic | 64 | $8,652,000 | $155,571 | $630,000 | $71,428 | $339,000 |
| Black | 60 | $8,705,000 | $162,200 | $600,000 | $47,400 | $252,000 |
| Asian or Pacific Islander | 38 | $7,037,000 | $195,500 | $1,000,000 | $104,333 | $780,000 |
| Other | 25 | $3,356,000 | $133,333 | $193,000 | $199,000 | $725,000 |
| American Indian or Alaskan Native | 1 | $96,000 | $96,000 | $96,000 | $60,000 | $60,000 |
| 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) | 3,185 | $515,985,000 | $173,714 | $1,500,000 | $116,571 | $3,029,000 |
| FHA-insured (Federal Housing Administration) | 333 | $37,432,000 | $117,333 | $209,000 | $35,555 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $7,364,000 | $90,000 | $192,000 | $39,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 55 | $7,065,000 | $115,222 | $244,000 | $35,000 | $103,000 |
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 Purchased By The Institution | 3,651 | $567,078,000 | $172,476 | $1,500,000 | $111,047 | $3,029,000 |
| Loan Originated | 3 | $768,000 | $256,000 | $450,000 | $143,000 | $175,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 Oakland Commerce Bank'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 Oakland Commerce 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.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.