Old National Bank Mortgage Lending & HMDA Data, 2013

In 2013, Old National Bank of Evansville, IN reported 11,543 mortgage applications totaling $1.1 billion, down 13% from 2012. The average application was for $99,344, and applicants reported an average income of $75,012. 52% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Evansville, IN-KY (1,752), Indianapolis-Carmel, IN (1,611) and Terre Haute, IN (813) (applications in parentheses).

Mortgage Company & Address Old National Bank
1 Main Street
Evansville, IN 47708
Tel #: available with data download
Federal Regulator * available with data download
Years 2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 11,543
Total Mortgage Loan Application Amount $1,146,736,000
Average Mortgage Loan Application Amount $99,344
Highest Mortgage Loan Application Amount $12,560,000
Average Applicant Income $75,012
Highest Applicant Income $3,605,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Old National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Old National Bank by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Vanderburgh, Indiana 932 $ 92,257,000 $ 98,988 $ 72,000
Marion, Indiana 671 $ 71,933,000 $ 107,202 $ 72,000
Vigo, Indiana 619 $ 53,472,000 $ 86,384 $ 70,000
Monroe, Indiana 519 $ 71,653,000 $ 138,059 $ 77,000
Delaware, Indiana 458 $ 35,733,000 $ 78,019 $ 67,000
Muhlenberg, Kentucky 388 $ 23,557,000 $ 60,713 $ 59,000
Daviess, Kentucky 313 $ 31,019,000 $ 99,102 $ 66,000
Bartholomew, Indiana 307 $ 34,993,000 $ 113,983 $ 76,000
Hamilton, Indiana 294 $ 49,273,000 $ 167,595 $ 100,000
Henderson, Kentucky 258 $ 25,758,000 $ 99,837 $ 72,000
Jackson, Indiana 242 $ 23,407,000 $ 96,723 $ 60,000
Warrick, Indiana 241 $ 33,314,000 $ 138,232 $ 96,000
Madison, Indiana 226 $ 16,627,000 $ 73,570 $ 61,000
St. Joseph, Indiana 226 $ 26,737,000 $ 118,305 $ 94,000
Dubois, Indiana 212 $ 22,023,000 $ 103,882 $ 65,000
Williamson, Illinois 211 $ 20,722,000 $ 98,208 $ 77,000
Vermilion, Illinois 208 $ 13,551,000 $ 65,149 $ 62,000
Gibson, Indiana 196 $ 14,692,000 $ 74,959 $ 59,000
Jefferson, Kentucky 190 $ 45,616,000 $ 240,084 $ 118,000
Tippecanoe, Indiana 186 $ 20,243,000 $ 108,833 $ 79,000
Randolph, Indiana 180 $ 10,915,000 $ 60,638 $ 61,000
Knox, Indiana 179 $ 11,442,000 $ 63,921 $ 63,000
Jackson, Illinois 171 $ 12,258,000 $ 71,684 $ 75,000
Johnson, Indiana 163 $ 20,238,000 $ 124,159 $ 87,000
Hendricks, Indiana 154 $ 20,014,000 $ 129,961 $ 100,000
Hopkins, Kentucky 154 $ 11,597,000 $ 75,305 $ 68,000
Putnam, Indiana 148 $ 11,728,000 $ 79,243 $ 63,000
Jefferson, Indiana 146 $ 14,639,000 $ 100,267 $ 74,000
Parke, Indiana 115 $ 9,264,000 $ 80,556 $ 61,000
Daviess, Indiana 105 $ 9,179,000 $ 87,419 $ 66,000
Posey, Indiana 104 $ 10,037,000 $ 96,509 $ 73,000
Vermillion, Indiana 102 $ 6,462,000 $ 63,352 $ 52,000
Jennings, Indiana 97 $ 8,359,000 $ 86,175 $ 67,000
Kalamazoo, Michigan 95 $ 8,664,000 $ 91,200 $ 65,000
Spencer, Indiana 88 $ 7,516,000 $ 85,409 $ 67,000
Washington, Indiana 88 $ 6,910,000 $ 78,522 $ 69,000
Fountain, Indiana 87 $ 5,615,000 $ 64,540 $ 66,000
Wayne, Indiana 86 $ 6,388,000 $ 74,279 $ 65,000
Union, Kentucky 86 $ 6,317,000 $ 73,453 $ 107,000
Martin, Indiana 85 $ 4,995,000 $ 58,764 $ 52,000
Lawrence, Indiana 80 $ 7,163,000 $ 89,537 $ 76,000
Elkhart, Indiana 78 $ 9,423,000 $ 120,807 $ 142,000
Jefferson, Illinois 75 $ 4,115,000 $ 54,866 $ 55,000
Perry, Indiana 68 $ 5,136,000 $ 75,529 $ 60,000
Wabash, Illinois 67 $ 4,919,000 $ 73,417 $ 66,000
Allen, Indiana 67 $ 6,578,000 $ 98,179 $ 75,000
Ripley, Indiana 61 $ 5,853,000 $ 95,950 $ 120,000
Saline, Illinois 56 $ 2,775,000 $ 49,553 $ 66,000
Warren, Indiana 56 $ 3,917,000 $ 69,946 $ 59,000
Morgan, Indiana 55 $ 6,094,000 $ 110,800 $ 81,000
Hancock, Indiana 52 $ 7,268,000 $ 139,769 $ 102,000
Orange, Indiana 50 $ 4,083,000 $ 81,660 $ 64,000
Jay, Indiana 47 $ 3,393,000 $ 72,191 $ 59,000
Clay, Indiana 46 $ 5,557,000 $ 120,804 $ 77,000
Sullivan, Indiana 46 $ 4,080,000 $ 88,695 $ 83,000
White, Indiana 44 $ 3,618,000 $ 82,227 $ 75,000
Jackson, Michigan 43 $ 4,149,000 $ 96,488 $ 66,000
White, Illinois 42 $ 2,302,000 $ 54,809 $ 68,000
Owen, Indiana 42 $ 4,705,000 $ 112,023 $ 89,000
Darke, Ohio 41 $ 2,368,000 $ 57,756 $ 54,000
Henry, Indiana 40 $ 3,065,000 $ 76,625 $ 62,000
Pike, Indiana 38 $ 2,509,000 $ 66,026 $ 62,000
Clark, Illinois 37 $ 3,686,000 $ 99,621 $ 66,000
Boone, Indiana 37 $ 4,597,000 $ 124,243 $ 112,000
Berrien, Michigan 35 $ 2,890,000 $ 82,571 $ 58,000
Lenawee, Michigan 35 $ 2,802,000 $ 80,057 $ 82,000
Grant, Indiana 34 $ 3,380,000 $ 99,411 $ 104,000
Cass, Michigan 34 $ 9,333,000 $ 274,500 $ 223,000
Lawrence, Illinois 32 $ 1,918,000 $ 59,937 $ 58,000
Scott, Indiana 31 $ 2,149,000 $ 69,322 $ 88,000
Greene, Indiana 29 $ 2,177,000 $ 75,068 $ 56,000
Franklin, Illinois 28 $ 2,038,000 $ 72,785 $ 72,000
Floyd, Indiana 27 $ 5,870,000 $ 217,407 $ 165,000
Calhoun, Michigan 27 $ 1,583,000 $ 58,629 $ 40,000
Decatur, Indiana 26 $ 2,552,000 $ 98,153 $ 52,000
Noble, Indiana 25 $ 1,741,000 $ 69,640 $ 67,000
Oldham, Kentucky 24 $ 4,818,000 $ 200,750 $ 137,000
Ohio, Kentucky 22 $ 2,049,000 $ 93,136 $ 59,000
Franklin, Indiana 21 $ 2,979,000 $ 141,857 $ 66,000
Montgomery, Indiana 21 $ 1,986,000 $ 94,571 $ 79,000
Webster, Kentucky 21 $ 1,520,000 $ 72,380 $ 82,000
Brown, Indiana 20 $ 2,889,000 $ 144,450 $ 101,000
Carroll, Indiana 19 $ 1,790,000 $ 94,210 $ 62,000
Van Buren, Michigan 18 $ 1,417,000 $ 78,722 $ 69,000
Union, Illinois 17 $ 1,471,000 $ 86,529 $ 70,000
Shelby, Indiana 17 $ 2,201,000 $ 129,470 $ 76,000
Edgar, Illinois 15 $ 1,120,000 $ 74,666 $ 48,000
Johnson, Illinois 14 $ 1,762,000 $ 125,857 $ 80,000
Clinton, Indiana 13 $ 1,051,000 $ 80,846 $ 98,000
McLean, Kentucky 13 $ 468,000 $ 36,000 $ 60,000
Logan, Kentucky 11 $ 918,000 $ 83,454 $ 85,000
Shelby, Kentucky 11 $ 1,462,000 $ 132,909 $ 74,000
Perry, Illinois 10 $ 643,000 $ 64,300 $ 61,000
Benton, Indiana 10 $ 564,000 $ 56,400 $ 60,000
Clark, Indiana 10 $ 1,456,000 $ 145,600 $ 97,000
Gallatin, Illinois 9 $ 543,000 $ 60,333 $ 43,000
Hardin, Illinois 9 $ 468,000 $ 52,000 $ 69,000
DeKalb, Indiana 9 $ 776,000 $ 86,222 $ 71,000
Edwards, Illinois 8 $ 683,000 $ 85,375 $ 76,000
Howard, Indiana 8 $ 779,000 $ 97,375 $ 105,000
Hancock, Kentucky 8 $ 743,000 $ 92,875 $ 73,000
Marshall, Indiana 7 $ 2,616,000 $ 373,714 $ 326,000
Bullitt, Kentucky 7 $ 537,000 $ 76,714 $ 65,000
St. Joseph, Michigan 7 $ 1,034,000 $ 147,714 $ 130,000
Crawford, Illinois 6 $ 384,000 $ 64,000 $ 53,000
Richland, Illinois 6 $ 288,000 $ 48,000 $ 36,000
Wayne, Illinois 6 $ 302,000 $ 50,333 $ 43,000
Crawford, Indiana 6 $ 316,000 $ 52,666 $ 44,000
Dearborn, Indiana 6 $ 527,000 $ 87,833 $ 54,000
Allegan, Michigan 6 $ 607,000 $ 101,166 $ 82,000
Barry, Michigan 6 $ 609,000 $ 101,500 $ 77,000
Pope, Illinois 5 $ 257,000 $ 51,400 $ 91,000
Cass, Indiana 5 $ 249,000 $ 49,800 $ 47,000
LaGrange, Indiana 5 $ 475,000 $ 95,000 $ 60,000
Trigg, Kentucky 5 $ 587,000 $ 117,400 $ 81,000
Arapahoe, Colorado 4 $ 1,580,000 $ 395,000 $ 275,000
Cook, Illinois 4 $ 1,322,000 $ 330,500 $ 359,000
Whitley, Indiana 4 $ 350,000 $ 87,500 $ 57,000
Lyon, Kentucky 4 $ 476,000 $ 119,000 $ 181,000
Todd, Kentucky 4 $ 295,000 $ 73,750 $ 88,000
Hamilton, Illinois 3 $ 189,000 $ 63,000 $ 61,000
Marion, Illinois 3 $ 79,000 $ 26,333 $ 55,000
Blackford, Indiana 3 $ 240,000 $ 80,000 $ 85,000
Harrison, Indiana 3 $ 475,000 $ 158,333 $ 44,000
Huntington, Indiana 3 $ 132,000 $ 44,000 $ 58,000
Kosciusko, Indiana 3 $ 344,000 $ 114,666 $ 73,000
Miami, Indiana 3 $ 216,000 $ 72,000 $ 69,000
Union, Indiana 3 $ 295,000 $ 98,333 $ 47,000
Boone, Kentucky 3 $ 250,000 $ 83,333 $ 128,000
Christian, Kentucky 3 $ 163,000 $ 54,333 $ 40,000
Marshall, Kentucky 3 $ 368,000 $ 122,666 $ 372,000
Nelson, Kentucky 3 $ 285,000 $ 95,000 $ 72,000
Hillsdale, Michigan 3 $ 188,000 $ 62,666 $ 47,000
St. Louis, Missouri 3 $ 837,000 $ 279,000 $ 157,000
Broward, Florida 2 $ 421,000 $ 210,500 $ 214,000
Sumter, Florida 2 $ 439,000 $ 219,500 $ 672,000
Champaign, Illinois 2 $ 365,000 $ 182,500 $ 128,000
Adams, Indiana 2 $ 68,000 $ 34,000 $ 42,000
Jasper, Indiana 2 $ 169,000 $ 84,500 $ 75,000
Tipton, Indiana 2 $ 227,000 $ 113,500 $ 230,000
Breckinridge, Kentucky 2 $ 265,000 $ 132,500 $ 127,000
Caldwell, Kentucky 2 $ 153,000 $ 76,500 $ 51,000
Carroll, Kentucky 2 $ 190,000 $ 95,000 $ 76,000
Edmonson, Kentucky 2 $ 269,000 $ 134,500 $ 112,000
Henry, Kentucky 2 $ 202,000 $ 101,000 $ 80,000
Livingston, Kentucky 2 $ 320,000 $ 160,000 $ 86,000
Warren, Kentucky 2 $ 109,000 $ 54,500 $ 20,000
York, Pennsylvania 2 $ 467,000 $ 233,500 $ 87,000
Davidson, Tennessee 2 $ 467,000 $ 233,500 $ 278,000
Collier, Florida 1 $ 535,000 $ 535,000 $ 664,000
Duval, Florida 1 $ 960,000 $ 960,000 $ 352,000
Lee, Florida 1 $ 1,150,000 $ 1,150,000 $ 459,000
Martin, Florida 1 $ 240,000 $ 240,000 $ 1,301,000
Miami-Dade, Florida 1 $ 165,000 $ 165,000 $ 379,000
Polk, Florida 1 $ 112,000 $ 112,000 $ 81,000
St. Johns, Florida 1 $ 750,000 $ 750,000 $ 0
Fulton, Georgia 1 $ 200,000 $ 200,000 $ 67,000
Douglas, Illinois 1 $ 119,000 $ 119,000 $ 72,000
DuPage, Illinois 1 $ 176,000 $ 176,000 $ 81,000
Effingham, Illinois 1 $ 96,000 $ 96,000 $ 47,000
Fayette, Illinois 1 $ 20,000 $ 20,000 $ 47,000
Logan, Illinois 1 $ 20,000 $ 20,000 $ 39,000
Massac, Illinois 1 $ 104,000 $ 104,000 $ 127,000
Pulaski, Illinois 1 $ 51,000 $ 51,000 $ 40,000
Randolph, Illinois 1 $ 59,000 $ 59,000 $ 105,000
Washington, Illinois 1 $ 72,000 $ 72,000 $ 50,000
Fayette, Indiana 1 $ 79,000 $ 79,000 $ 23,000
Lake, Indiana 1 $ 68,000 $ 68,000 $ 36,000
Porter, Indiana 1 $ 165,000 $ 165,000 $ 128,000
Pulaski, Indiana 1 $ 83,000 $ 83,000 $ 31,000
Starke, Indiana 1 $ 102,000 $ 102,000 $ 46,000
Steuben, Indiana 1 $ 105,000 $ 105,000 $ 107,000
Wells, Indiana 1 $ 96,000 $ 96,000 $ 0
Barren, Kentucky 1 $ 128,000 $ 128,000 $ 49,000
Butler, Kentucky 1 $ 32,000 $ 32,000 $ 40,000
Clark, Kentucky 1 $ 60,000 $ 60,000 $ 34,000
Fayette, Kentucky 1 $ 221,000 $ 221,000 $ 143,000
Hardin, Kentucky 1 $ 95,000 $ 95,000 $ 106,000
Letcher, Kentucky 1 $ 94,000 $ 94,000 $ 68,000
Meade, Kentucky 1 $ 244,000 $ 244,000 $ 362,000
Scott, Kentucky 1 $ 122,000 $ 122,000 $ 26,000
Trimble, Kentucky 1 $ 70,000 $ 70,000 $ 86,000
Jefferson, Louisiana 1 $ 252,000 $ 252,000 $ 117,000
Cumberland, Maine 1 $ 417,000 $ 417,000 $ 117,000
Branch, Michigan 1 $ 60,000 $ 60,000 $ 54,000
Kent, Michigan 1 $ 3,000 $ 3,000 $ 24,000
Leelanau, Michigan 1 $ 147,000 $ 147,000 $ 148,000
Monroe, Michigan 1 $ 52,000 $ 52,000 $ 28,000
Montcalm, Michigan 1 $ 25,000 $ 25,000 $ 80,000
Muskegon, Michigan 1 $ 35,000 $ 35,000 $ 39,000
Lake, Minnesota 1 $ 417,000 $ 417,000 $ 193,000
Jackson, Missouri 1 $ 213,000 $ 213,000 $ 148,000
Mecklenburg, North Carolina 1 $ 270,000 $ 270,000 $ 160,000
Butler, Ohio 1 $ 140,000 $ 140,000 $ 91,000
Clermont, Ohio 1 $ 284,000 $ 284,000 $ 148,000
Preble, Ohio 1 $ 5,000 $ 5,000 $ 47,000
Bexar, Texas 1 $ 1,175,000 $ 1,175,000 $ 0
Utah, Utah 1 $ 186,000 $ 186,000 $ 228,000

Mortgage Loan Application Detail Totals for Old National Bank in 2013

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 7,248 $754,810,000 $104,000 $1,559,000 $77,000 $2,814,000
Home Improvement 2,360 $111,897,000 $47,000 $12,560,000 $64,000 $3,605,000
Home Purchase 1,935 $280,029,000 $144,000 $2,300,000 $81,000 $1,459,000

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 10,204 $981,208,000 $96,000 $2,000,000 $75,000 $3,605,000
Not Provided 631 $72,839,000 $115,000 $870,000 $89,000 $1,459,000
Black or African American 283 $20,636,000 $72,000 $520,000 $59,000 $565,000
Hispanic 161 $15,750,000 $97,000 $500,000 $70,000 $1,000,000
Asian 131 $18,767,000 $143,000 $1,200,000 $83,000 $450,000
Not applicable 86 $33,680,000 $391,000 $12,560,000 $0 $0
American Indian or Alaskan Native 30 $2,244,000 $74,000 $208,000 $63,000 $169,000
Native Hawaiian or Other Pacific Islander 17 $1,612,000 $94,000 $263,000 $68,000 $103,000

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) 10,744 $1,054,501,000 $98,000 $12,560,000 $77,000 $3,605,000
FHA-insured (Federal Housing Administration) 489 $54,956,000 $112,000 $276,000 $56,000 $1,459,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 208 $21,343,000 $102,000 $288,000 $45,000 $545,000
VA-guaranteed (Veterans Administration) 102 $15,936,000 $156,000 $372,000 $59,000 $170,000

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 5,976 $618,964,000 $103,000 $12,560,000 $82,000 $3,605,000
Application Denied By Financial Institution 4,149 $351,750,000 $84,000 $1,200,000 $62,000 $1,459,000
Application Withdrawn By Applicant 806 $110,793,000 $137,000 $1,559,000 $85,000 $1,236,000
Application Approved But Not Accepted 462 $45,928,000 $99,000 $2,300,000 $83,000 $1,000,000
File Closed For Incompleteness 96 $15,364,000 $160,000 $850,000 $116,000 $1,800,000
Loan Purchased By The Institution 54 $3,937,000 $72,000 $131,000 $36,000 $73,000
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 History 1,423 $102,544,000 $72,000 $681,000 $62,000 $1,459,000
Collateral 1,028 $105,902,000 $103,000 $1,000,000 $70,000 $802,000
Other 918 $62,856,000 $68,000 $1,113,000 $61,000 $983,000
Debt-To-Income Ratio 551 $57,142,000 $103,000 $1,200,000 $44,000 $561,000
Unverifiable Information 86 $7,671,000 $89,000 $330,000 $77,000 $356,000
Credit Application Incomplete 86 $9,534,000 $110,000 $400,000 $98,000 $1,068,000
Employment History 35 $3,389,000 $96,000 $309,000 $48,000 $201,000
Insufficient Cash (Downpayment, Closing Cost) 20 $2,266,000 $113,000 $600,000 $29,000 $100,000
Mortgage Insurance Denied 2 $446,000 $223,000 $375,000 $89,000 $154,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Old National Bank's 2013 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 Old National 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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