Oakland Commerce Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Oakland Commerce Bank 2005 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 | 1,384 |
| Total Mortgage Loan Application Amount | $298,245,000 |
| Average Mortgage Loan Application Amount | $209,846 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $769 |
| Highest Applicant Income | $40,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 369 | $ 94,579,000 | $ 256,000 | $ 0 |
| Clark County Nevada | 103 | $ 27,630,000 | $ 268,000 | $ 0 |
| Hawaii County Hawaii | 68 | $ 15,305,000 | $ 225,000 | $ 0 |
| Washtenaw County Michigan | 52 | $ 14,798,000 | $ 284,000 | $ 0 |
| Wayne County Michigan | 51 | $ 8,336,000 | $ 163,000 | $ 0 |
| Pima County Arizona | 46 | $ 10,078,000 | $ 219,000 | $ 0 |
| Yuma County Arizona | 45 | $ 5,983,000 | $ 132,000 | $ 0 |
| Livingston County Michigan | 38 | $ 6,791,000 | $ 178,000 | $ 0 |
| Allen County Indiana | 35 | $ 2,628,000 | $ 75,000 | $ 0 |
| San Diego County California | 26 | $ 11,745,000 | $ 451,000 | $ 0 |
| Multnomah County Oregon | 24 | $ 3,745,000 | $ 156,000 | $ 0 |
| Napa County California | 22 | $ 8,320,000 | $ 378,000 | $ 0 |
| Macomb County Michigan | 22 | $ 3,373,000 | $ 153,000 | $ 0 |
| Oakland County Michigan | 22 | $ 3,603,000 | $ 163,000 | $ 6,000 |
| Elkhart County Indiana | 19 | $ 2,795,000 | $ 147,000 | $ 0 |
| Shiawassee County Michigan | 19 | $ 1,972,000 | $ 103,000 | $ 0 |
| Ingham County Michigan | 16 | $ 2,129,000 | $ 133,000 | $ 0 |
| Ottawa County Michigan | 16 | $ 2,514,000 | $ 157,000 | $ 0 |
| Genesee County Michigan | 14 | $ 1,396,000 | $ 99,000 | $ 0 |
| Kalamazoo County Michigan | 14 | $ 2,374,000 | $ 169,000 | $ 0 |
| Kent County Michigan | 11 | $ 1,282,000 | $ 116,000 | $ 0 |
| Cobb County Georgia | 10 | $ 1,617,000 | $ 161,000 | $ 0 |
| Fulton County Georgia | 10 | $ 2,729,000 | $ 272,000 | $ 0 |
| Bernalillo County New Mexico | 9 | $ 1,372,000 | $ 152,000 | $ 0 |
| Adams County Indiana | 8 | $ 760,000 | $ 95,000 | $ 0 |
| Gladwin County Michigan | 8 | $ 1,118,000 | $ 139,000 | $ 0 |
| Jackson County Michigan | 8 | $ 1,334,000 | $ 166,000 | $ 0 |
| Saginaw County Michigan | 8 | $ 1,046,000 | $ 130,000 | $ 0 |
| Edgecombe County North Carolina | 8 | $ 699,000 | $ 87,000 | $ 0 |
| Clackamas County Oregon | 8 | $ 1,236,000 | $ 154,000 | $ 0 |
| Clark County Washington | 8 | $ 1,518,000 | $ 189,000 | $ 0 |
| Pinal County Arizona | 7 | $ 1,343,000 | $ 191,000 | $ 0 |
| Clinton County Michigan | 7 | $ 814,000 | $ 116,000 | $ 0 |
| Gratiot County Michigan | 7 | $ 535,000 | $ 76,000 | $ 0 |
| Monroe County Michigan | 7 | $ 1,145,000 | $ 163,000 | $ 0 |
| Nash County North Carolina | 7 | $ 1,474,000 | $ 210,000 | $ 0 |
| DeKalb County Indiana | 6 | $ 537,000 | $ 89,000 | $ 0 |
| Yavapai County Arizona | 5 | $ 1,038,000 | $ 207,000 | $ 0 |
| Larimer County Colorado | 5 | $ 1,452,000 | $ 290,000 | $ 0 |
| Gwinnett County Georgia | 5 | $ 797,000 | $ 159,000 | $ 0 |
| Eaton County Michigan | 5 | $ 614,000 | $ 122,000 | $ 0 |
| San Francisco County California | 4 | $ 1,186,000 | $ 296,000 | $ 0 |
| DeKalb County Georgia | 4 | $ 1,386,000 | $ 346,000 | $ 0 |
| Paulding County Georgia | 4 | $ 399,000 | $ 99,000 | $ 0 |
| Noble County Indiana | 4 | $ 512,000 | $ 128,000 | $ 0 |
| Clare County Michigan | 4 | $ 439,000 | $ 109,000 | $ 0 |
| Midland County Michigan | 4 | $ 254,000 | $ 63,000 | $ 0 |
| Muskegon County Michigan | 4 | $ 993,000 | $ 248,000 | $ 0 |
| Shelby County Tennessee | 4 | $ 220,000 | $ 55,000 | $ 0 |
| Navajo County Arizona | 3 | $ 599,000 | $ 199,000 | $ 0 |
| Fayette County Georgia | 3 | $ 713,000 | $ 237,000 | $ 0 |
| Brown County Indiana | 3 | $ 834,000 | $ 278,000 | $ 0 |
| Allegan County Michigan | 3 | $ 167,000 | $ 55,000 | $ 0 |
| Oceana County Michigan | 3 | $ 611,000 | $ 203,000 | $ 0 |
| Sanilac County Michigan | 3 | $ 449,000 | $ 149,000 | $ 0 |
| Nye County Nevada | 3 | $ 755,000 | $ 251,000 | $ 0 |
| Franklin County Ohio | 3 | $ 299,000 | $ 99,000 | $ 0 |
| Lucas County Ohio | 3 | $ 180,000 | $ 60,000 | $ 0 |
| King County Washington | 3 | $ 1,234,000 | $ 411,000 | $ 0 |
| Milwaukee County Wisconsin | 3 | $ 364,000 | $ 121,000 | $ 0 |
| Ketchikan Gateway County Alaska | 2 | $ 546,000 | $ 273,000 | $ 0 |
| Coconino County Arizona | 2 | $ 444,000 | $ 222,000 | $ 0 |
| Gila County Arizona | 2 | $ 487,000 | $ 243,000 | $ 0 |
| Mohave County Arizona | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Santa Cruz County Arizona | 2 | $ 485,000 | $ 242,000 | $ 0 |
| Los Angeles County California | 2 | $ 1,650,000 | $ 825,000 | $ 0 |
| Marion County Florida | 2 | $ 132,000 | $ 66,000 | $ 0 |
| Kootenai County Idaho | 2 | $ 1,072,000 | $ 536,000 | $ 0 |
| Mercer County Illinois | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Jay County Indiana | 2 | $ 175,000 | $ 87,000 | $ 0 |
| St. Joseph County Indiana | 2 | $ 257,000 | $ 128,000 | $ 0 |
| Steuben County Indiana | 2 | $ 421,000 | $ 210,000 | $ 0 |
| Johnson County Kansas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Alcona County Michigan | 2 | $ 163,000 | $ 81,000 | $ 0 |
| Antrim County Michigan | 2 | $ 909,000 | $ 454,000 | $ 0 |
| Isabella County Michigan | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Leelanau County Michigan | 2 | $ 1,150,000 | $ 575,000 | $ 0 |
| Presque Isle County Michigan | 2 | $ 326,000 | $ 163,000 | $ 0 |
| St. Joseph County Michigan | 2 | $ 145,000 | $ 72,000 | $ 0 |
| Cape May County New Jersey | 2 | $ 721,000 | $ 360,000 | $ 0 |
| Santa Fe County New Mexico | 2 | $ 1,017,000 | $ 508,000 | $ 0 |
| Rowan County North Carolina | 2 | $ 358,000 | $ 179,000 | $ 0 |
| Salt Lake County Utah | 2 | $ 385,000 | $ 192,000 | $ 0 |
| Utah County Utah | 2 | $ 599,000 | $ 299,000 | $ 0 |
| Kitsap County Washington | 2 | $ 1,114,000 | $ 557,000 | $ 0 |
| Escambia County Alabama | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Anchorage County Alaska | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Graham County Arizona | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Contra Costa County California | 1 | $ 557,000 | $ 557,000 | $ 0 |
| El Dorado County California | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Lake County California | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Marin County California | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Monterey County California | 1 | $ 570,000 | $ 570,000 | $ 0 |
| Nevada County California | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Orange County California | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Riverside County California | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Solano County California | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Stanislaus County California | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Yolo County California | 1 | $ 780,000 | $ 780,000 | $ 0 |
| Clear Creek County Colorado | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Denver County Colorado | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Douglas County Colorado | 1 | $ 185,000 | $ 185,000 | $ 0 |
| El Paso County Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Brevard County Florida | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Lee County Florida | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Sumter County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Bartow County Georgia | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Bibb County Georgia | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Brooks County Georgia | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Pickens County Georgia | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Troup County Georgia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Kauai County Hawaii | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Bonner County Idaho | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Cook County Illinois | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Winnebago County Illinois | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Dubois County Indiana | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Huntington County Indiana | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Johnson County Indiana | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 62,000 | $ 62,000 | $ 0 |
| LaGrange County Indiana | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Lake County Indiana | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Whitley County Indiana | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Warren County Iowa | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Lyon County Kentucky | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Russell County Kentucky | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Barry County Michigan | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Bay County Michigan | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Berrien County Michigan | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Charlevoix County Michigan | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Hillsdale County Michigan | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Lenawee County Michigan | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Mackinac County Michigan | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Manistee County Michigan | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Mecosta County Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Montcalm County Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Newaygo County Michigan | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Otsego County Michigan | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Roscommon County Michigan | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Van Buren County Michigan | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Cass County Missouri | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Jackson County Missouri | 1 | $ 230,000 | $ 230,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 279,000 | $ 279,000 | $ 0 |
| Lewis and Clark County Montana | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Chaves County New Mexico | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Colfax County New Mexico | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Dare County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Martin County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Wake County North Carolina | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Fairfield County Ohio | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Cleveland County Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Columbia County Oregon | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Crook County Oregon | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Jefferson County Oregon | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Marion County Oregon | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Tillamook County Oregon | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Washington County Oregon | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Greenwood County South Carolina | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Aransas County Texas | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Bexar County Texas | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Cameron County Texas | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Dallas County Texas | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Kane County Utah | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Washington County Utah | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Snohomish County Washington | 1 | $ 274,000 | $ 274,000 | $ 0 |
Mortgage Loan Application Detail Totals for Oakland Commerce Bank in 2005
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 | 710 | $169,924,000 | $217,280 | $1,320,000 | $0 | $0 |
| Home Purchase | 673 | $128,303,000 | $210,076 | $1,365,000 | $0 | $0 |
| Home Improvement | 1 | $18,000 | $18,000 | $18,000 | $40,000 | $40,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,383 | $298,227,000 | $193,343 | $1,365,000 | $0 | $0 |
| White | 1 | $18,000 | $18,000 | $18,000 | $40,000 | $40,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,268 | $285,447,000 | $195,062 | $1,365,000 | $0 | $40,000 |
| FHA-insured (Federal Housing Administration) | 71 | $7,710,000 | $125,833 | $192,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,164,000 | $102,000 | $162,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 14 | $1,924,000 | $149,000 | $245,000 | $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 | 1,383 | $298,227,000 | $193,343 | $1,365,000 | $0 | $0 |
| Loan Originated | 1 | $18,000 | $18,000 | $18,000 | $40,000 | $40,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2005 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.
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with aggregated HMDA statistics today.