Old National Bank Mortgage Lending & HMDA Data, 2009

In 2009, Old National Bank of Evansville, IN reported 7,694 mortgage applications totaling $790.5 million, down 8% from 2008. The average application was for $102,741, and applicants reported an average income of $73,380. 46% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Evansville, IN-KY (1,576), Indianapolis-Carmel, IN (680) and Terre Haute, IN (622) (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 7,694
Total Mortgage Loan Application Amount $790,492,000
Average Mortgage Loan Application Amount $102,741
Highest Mortgage Loan Application Amount $8,000,000
Average Applicant Income $73,380
Highest Applicant Income $4,550,000

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Act (HMDA) records Old National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Vanderburgh, Indiana 746 $ 78,981,000 $ 105,872 $ 67,000
Vigo, Indiana 457 $ 41,483,000 $ 90,772 $ 68,000
Henderson, Kentucky 300 $ 29,980,000 $ 99,933 $ 61,000
Marion, Indiana 274 $ 33,721,000 $ 123,069 $ 111,000
Delaware, Indiana 264 $ 23,433,000 $ 88,761 $ 74,000
Daviess, Kentucky 264 $ 32,064,000 $ 121,454 $ 72,000
Warrick, Indiana 254 $ 31,395,000 $ 123,602 $ 87,000
Muhlenberg, Kentucky 241 $ 13,278,000 $ 55,095 $ 53,000
Dubois, Indiana 227 $ 24,756,000 $ 109,057 $ 58,000
Jefferson, Kentucky 194 $ 42,003,000 $ 216,510 $ 163,000
Hopkins, Kentucky 156 $ 10,609,000 $ 68,006 $ 69,000
Union, Kentucky 152 $ 9,758,000 $ 64,197 $ 56,000
Gibson, Indiana 151 $ 12,536,000 $ 83,019 $ 49,000
Hamilton, Indiana 147 $ 29,993,000 $ 204,034 $ 121,000
Monroe, Indiana 141 $ 16,931,000 $ 120,078 $ 89,000
Perry, Indiana 134 $ 9,937,000 $ 74,156 $ 58,000
Knox, Indiana 133 $ 9,745,000 $ 73,270 $ 54,000
Madison, Indiana 133 $ 10,461,000 $ 78,654 $ 52,000
Vermilion, Illinois 123 $ 9,325,000 $ 75,813 $ 67,000
Randolph, Indiana 119 $ 6,699,000 $ 56,294 $ 56,000
Williamson, Illinois 117 $ 9,902,000 $ 84,632 $ 67,000
Tippecanoe, Indiana 109 $ 12,510,000 $ 114,770 $ 67,000
Posey, Indiana 108 $ 10,499,000 $ 97,212 $ 72,000
Vermillion, Indiana 106 $ 6,397,000 $ 60,349 $ 61,000
Wayne, Indiana 102 $ 10,377,000 $ 101,735 $ 60,000
Jackson, Illinois 96 $ 8,656,000 $ 90,166 $ 71,000
Parke, Indiana 85 $ 6,136,000 $ 72,188 $ 66,000
Fountain, Indiana 81 $ 5,742,000 $ 70,888 $ 56,000
Putnam, Indiana 80 $ 8,107,000 $ 101,337 $ 69,000
Daviess, Indiana 66 $ 4,672,000 $ 70,787 $ 56,000
Spencer, Indiana 65 $ 3,328,000 $ 51,200 $ 53,000
Wabash, Illinois 64 $ 5,036,000 $ 78,687 $ 62,000
Johnson, Indiana 63 $ 9,921,000 $ 157,476 $ 106,000
Martin, Indiana 54 $ 2,859,000 $ 52,944 $ 55,000
St. Joseph, Indiana 51 $ 10,785,000 $ 211,470 $ 177,000
Hendricks, Indiana 45 $ 5,554,000 $ 123,422 $ 68,000
Allen, Indiana 44 $ 5,560,000 $ 126,363 $ 66,000
Clark, Illinois 43 $ 3,323,000 $ 77,279 $ 50,000
White, Illinois 41 $ 1,852,000 $ 45,170 $ 50,000
Saline, Illinois 40 $ 1,273,000 $ 31,825 $ 47,000
Elkhart, Indiana 38 $ 6,259,000 $ 164,710 $ 107,000
Warren, Indiana 38 $ 3,224,000 $ 84,842 $ 59,000
Clay, Indiana 33 $ 2,537,000 $ 76,878 $ 74,000
Orange, Indiana 33 $ 2,460,000 $ 74,545 $ 61,000
Oldham, Kentucky 32 $ 5,447,000 $ 170,218 $ 86,000
Boone, Indiana 31 $ 7,091,000 $ 228,741 $ 156,000
Grant, Indiana 31 $ 2,550,000 $ 82,258 $ 66,000
Lawrence, Illinois 28 $ 1,066,000 $ 38,071 $ 50,000
Sullivan, Indiana 26 $ 1,753,000 $ 67,423 $ 63,000
Hancock, Indiana 25 $ 3,578,000 $ 143,120 $ 99,000
Jay, Indiana 25 $ 1,769,000 $ 70,760 $ 42,000
Darke, Ohio 23 $ 1,417,000 $ 61,608 $ 44,000
Jefferson, Illinois 19 $ 1,787,000 $ 94,052 $ 87,000
Webster, Kentucky 17 $ 980,000 $ 57,647 $ 62,000
Cass, Michigan 17 $ 5,083,000 $ 299,000 $ 278,000
Pike, Indiana 16 $ 1,586,000 $ 99,125 $ 36,000
Harrison, Indiana 15 $ 2,506,000 $ 167,066 $ 205,000
Franklin, Illinois 13 $ 604,000 $ 46,461 $ 40,000
Greene, Indiana 13 $ 477,000 $ 36,692 $ 73,000
Lawrence, Indiana 13 $ 637,000 $ 49,000 $ 58,000
Henry, Indiana 11 $ 1,019,000 $ 92,636 $ 80,000
Montgomery, Indiana 11 $ 697,000 $ 63,363 $ 40,000
Morgan, Indiana 11 $ 1,174,000 $ 106,727 $ 66,000
White, Indiana 11 $ 822,000 $ 74,727 $ 37,000
Hancock, Kentucky 11 $ 576,000 $ 52,363 $ 41,000
Crittenden, Kentucky 10 $ 544,000 $ 54,400 $ 65,000
Ohio, Kentucky 10 $ 625,000 $ 62,500 $ 65,000
Cook, Illinois 9 $ 2,523,000 $ 280,333 $ 323,000
Clinton, Indiana 9 $ 717,000 $ 79,666 $ 72,000
Floyd, Indiana 9 $ 1,822,000 $ 202,444 $ 330,000
Kosciusko, Indiana 9 $ 4,207,000 $ 467,444 $ 286,000
Owen, Indiana 9 $ 1,038,000 $ 115,333 $ 57,000
Crawford, Illinois 8 $ 146,000 $ 18,250 $ 64,000
Carroll, Indiana 8 $ 818,000 $ 102,250 $ 55,000
Crawford, Indiana 8 $ 639,000 $ 79,875 $ 59,000
Lyon, Kentucky 8 $ 1,064,000 $ 133,000 $ 70,000
McLean, Kentucky 8 $ 386,000 $ 48,250 $ 61,000
Blackford, Indiana 7 $ 676,000 $ 96,571 $ 59,000
Breckinridge, Kentucky 7 $ 1,128,000 $ 161,142 $ 193,000
Bullitt, Kentucky 7 $ 769,000 $ 109,857 $ 58,000
Edgar, Illinois 6 $ 226,000 $ 37,666 $ 72,000
Johnson, Illinois 6 $ 490,000 $ 81,666 $ 77,000
Clark, Indiana 6 $ 1,175,000 $ 195,833 $ 108,000
Champaign, Illinois 5 $ 667,000 $ 133,400 $ 80,000
Gallatin, Illinois 5 $ 76,000 $ 15,200 $ 47,000
Perry, Illinois 5 $ 240,000 $ 48,000 $ 55,000
Caldwell, Kentucky 5 $ 137,000 $ 27,400 $ 45,000
Logan, Kentucky 5 $ 555,000 $ 111,000 $ 62,000
Steuben, Indiana 4 $ 1,423,000 $ 355,750 $ 201,000
Berrien, Michigan 4 $ 1,028,000 $ 257,000 $ 237,000
Preble, Ohio 4 $ 320,000 $ 80,000 $ 23,000
Davidson, Tennessee 4 $ 376,000 $ 94,000 $ 62,000
Bay, Florida 3 $ 558,000 $ 186,000 $ 115,000
Collier, Florida 3 $ 1,238,000 $ 412,666 $ 445,000
Richland, Illinois 3 $ 198,000 $ 66,000 $ 67,000
Brown, Indiana 3 $ 563,000 $ 187,666 $ 94,000
Huntington, Indiana 3 $ 291,000 $ 97,000 $ 38,000
Washington, Indiana 3 $ 730,000 $ 243,333 $ 115,000
Nelson, Kentucky 3 $ 298,000 $ 99,333 $ 38,000
Todd, Kentucky 3 $ 211,000 $ 70,333 $ 126,000
Trigg, Kentucky 3 $ 569,000 $ 189,666 $ 52,000
Warren, Kentucky 3 $ 487,000 $ 162,333 $ 116,000
Knox, Maine 3 $ 3,519,000 $ 1,173,000 $ 720,000
Beaufort, South Carolina 3 $ 1,870,000 $ 623,333 $ 429,000
Maricopa, Arizona 2 $ 503,000 $ 251,500 $ 386,000
Boulder, Colorado 2 $ 789,000 $ 394,500 $ 862,000
Lee, Florida 2 $ 700,000 $ 350,000 $ 665,000
Palm Beach, Florida 2 $ 1,541,000 $ 770,500 $ 918,000
Sarasota, Florida 2 $ 617,000 $ 308,500 $ 453,000
Clay, Illinois 2 $ 192,000 $ 96,000 $ 40,000
Coles, Illinois 2 $ 260,000 $ 130,000 $ 47,000
Edwards, Illinois 2 $ 61,000 $ 30,500 $ 39,000
Effingham, Illinois 2 $ 206,000 $ 103,000 $ 145,000
Union, Illinois 2 $ 60,000 $ 30,000 $ 38,000
Benton, Indiana 2 $ 130,000 $ 65,000 $ 40,000
LaPorte, Indiana 2 $ 1,387,000 $ 693,500 $ 58,000
Rush, Indiana 2 $ 177,000 $ 88,500 $ 227,000
Wells, Indiana 2 $ 444,000 $ 222,000 $ 173,000
Whitley, Indiana 2 $ 185,000 $ 92,500 $ 0
Barren, Kentucky 2 $ 254,000 $ 127,000 $ 37,000
Christian, Kentucky 2 $ 20,000 $ 10,000 $ 39,000
Franklin, Kentucky 2 $ 512,000 $ 256,000 $ 89,000
Hardin, Kentucky 2 $ 614,000 $ 307,000 $ 258,000
Hickman, Kentucky 2 $ 14,000 $ 7,000 $ 89,000
Shelby, Kentucky 2 $ 616,000 $ 308,000 $ 174,000
Branch, Michigan 2 $ 535,000 $ 267,500 $ 200,000
St. Louis, Missouri 2 $ 323,000 $ 161,500 $ 77,000
Robertson, Tennessee 2 $ 338,000 $ 169,000 $ 82,000
Sevier, Tennessee 2 $ 424,000 $ 212,000 $ 104,000
Pinal, Arizona 1 $ 110,000 $ 110,000 $ 147,000
Poinsett, Arkansas 1 $ 3,000 $ 3,000 $ 22,000
El Paso, Colorado 1 $ 241,000 $ 241,000 $ 206,000
Pitkin, Colorado 1 $ 380,000 $ 380,000 $ 139,000
District of Columbia, District Of Columbia 1 $ 250,000 $ 250,000 $ 122,000
Broward, Florida 1 $ 130,000 $ 130,000 $ 140,000
Hernando, Florida 1 $ 123,000 $ 123,000 $ 42,000
Polk, Florida 1 $ 113,000 $ 113,000 $ 33,000
Santa Rosa, Florida 1 $ 3,000 $ 3,000 $ 29,000
Walton, Florida 1 $ 170,000 $ 170,000 $ 0
Chatham, Georgia 1 $ 254,000 $ 254,000 $ 130,000
Douglas, Illinois 1 $ 41,000 $ 41,000 $ 103,000
DuPage, Illinois 1 $ 406,000 $ 406,000 $ 177,000
Hamilton, Illinois 1 $ 10,000 $ 10,000 $ 41,000
Hardin, Illinois 1 $ 48,000 $ 48,000 $ 77,000
Madison, Illinois 1 $ 75,000 $ 75,000 $ 0
Monroe, Illinois 1 $ 25,000 $ 25,000 $ 24,000
Moultrie, Illinois 1 $ 81,000 $ 81,000 $ 59,000
Pope, Illinois 1 $ 23,000 $ 23,000 $ 57,000
Pulaski, Illinois 1 $ 20,000 $ 20,000 $ 27,000
Randolph, Illinois 1 $ 92,000 $ 92,000 $ 45,000
Washington, Illinois 1 $ 73,000 $ 73,000 $ 204,000
Wayne, Illinois 1 $ 54,000 $ 54,000 $ 93,000
DeKalb, Indiana 1 $ 5,000 $ 5,000 $ 25,000
Fulton, Indiana 1 $ 95,000 $ 95,000 $ 100,000
Jennings, Indiana 1 $ 16,000 $ 16,000 $ 66,000
LaGrange, Indiana 1 $ 78,000 $ 78,000 $ 33,000
Marshall, Indiana 1 $ 90,000 $ 90,000 $ 28,000
Miami, Indiana 1 $ 7,000 $ 7,000 $ 43,000
Porter, Indiana 1 $ 88,000 $ 88,000 $ 125,000
Scott, Indiana 1 $ 90,000 $ 90,000 $ 98,000
Shelby, Indiana 1 $ 198,000 $ 198,000 $ 179,000
Union, Indiana 1 $ 108,000 $ 108,000 $ 33,000
Boyd, Kentucky 1 $ 50,000 $ 50,000 $ 37,000
Boyle, Kentucky 1 $ 250,000 $ 250,000 $ 0
Calloway, Kentucky 1 $ 82,000 $ 82,000 $ 24,000
Fayette, Kentucky 1 $ 99,000 $ 99,000 $ 105,000
Grayson, Kentucky 1 $ 3,000 $ 3,000 $ 78,000
Kenton, Kentucky 1 $ 45,000 $ 45,000 $ 81,000
Larue, Kentucky 1 $ 77,000 $ 77,000 $ 229,000
Marshall, Kentucky 1 $ 229,000 $ 229,000 $ 820,000
McCracken, Kentucky 1 $ 5,000 $ 5,000 $ 24,000
Mercer, Kentucky 1 $ 164,000 $ 164,000 $ 95,000
Jefferson, Louisiana 1 $ 259,000 $ 259,000 $ 90,000
Cumberland, Maine 1 $ 414,000 $ 414,000 $ 85,000
Montgomery, Maryland 1 $ 250,000 $ 250,000 $ 244,000
Norfolk, Massachusetts 1 $ 253,000 $ 253,000 $ 335,000
Antrim, Michigan 1 $ 417,000 $ 417,000 $ 354,000
Leelanau, Michigan 1 $ 265,000 $ 265,000 $ 90,000
Muskegon, Michigan 1 $ 49,000 $ 49,000 $ 31,000
Van Buren, Michigan 1 $ 90,000 $ 90,000 $ 137,000
Morgan, Missouri 1 $ 101,000 $ 101,000 $ 146,000
Clark, Nevada 1 $ 70,000 $ 70,000 $ 488,000
Chatham, North Carolina 1 $ 193,000 $ 193,000 $ 57,000
Durham, North Carolina 1 $ 96,000 $ 96,000 $ 100,000
Clark, Ohio 1 $ 225,000 $ 225,000 $ 76,000
Montgomery, Pennsylvania 1 $ 305,000 $ 305,000 $ 4,000,000
Cumberland, Tennessee 1 $ 146,000 $ 146,000 $ 78,000
Jefferson, Tennessee 1 $ 194,000 $ 194,000 $ 59,000
Loudon, Tennessee 1 $ 400,000 $ 400,000 $ 200,000
Rutherford, Tennessee 1 $ 116,000 $ 116,000 $ 57,000
Orleans, Vermont 1 $ 165,000 $ 165,000 $ 199,000
Northampton, Virginia 1 $ 185,000 $ 185,000 $ 155,000
Virginia Beach, Virginia 1 $ 12,000 $ 12,000 $ 102,000
Dane, Wisconsin 1 $ 248,000 $ 248,000 $ 114,000
Outagamie, Wisconsin 1 $ 127,000 $ 127,000 $ 68,000

Mortgage Loan Application Detail Totals for Old National Bank in 2009

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 4,081 $502,076,000 $123,000 $2,210,000 $85,000 $4,000,000
Home Purchase 2,374 $271,408,000 $114,000 $8,000,000 $63,000 $3,500,000
Home Improvement 1,239 $17,008,000 $13,000 $250,000 $55,000 $4,550,000

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 7,009 $719,140,000 $102,000 $2,210,000 $75,000 $4,550,000
Not Provided 277 $18,034,000 $65,000 $925,000 $68,000 $495,000
Black or African American 169 $13,179,000 $77,000 $347,000 $50,000 $388,000
Hispanic 83 $8,655,000 $104,000 $417,000 $59,000 $420,000
Not applicable 83 $19,708,000 $237,000 $8,000,000 $0 $0
Asian 59 $10,846,000 $183,000 $704,000 $113,000 $540,000
American Indian or Alaskan Native 10 $500,000 $50,000 $200,000 $50,000 $118,000
Native Hawaiian or Other Pacific Islander 4 $430,000 $107,000 $181,000 $50,000 $84,000

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) 5,972 $617,074,000 $103,000 $8,000,000 $83,000 $4,550,000
FHA-insured (Federal Housing Administration) 1,310 $136,140,000 $103,000 $300,000 $45,000 $312,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 342 $28,078,000 $82,000 $238,000 $36,000 $97,000
VA-guaranteed (Veterans Administration) 70 $9,200,000 $131,000 $351,000 $49,000 $172,000

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 3,522 $366,664,000 $104,000 $8,000,000 $80,000 $4,000,000
Application Denied By Financial Institution 1,893 $142,396,000 $75,000 $1,268,000 $59,000 $4,550,000
Application Withdrawn By Applicant 1,016 $148,633,000 $146,000 $2,210,000 $98,000 $3,530,000
Preapproval Denied by Financial Institution 537 $45,006,000 $83,000 $750,000 $39,000 $266,000
Application Approved But Not Accepted 289 $27,991,000 $96,000 $1,015,000 $72,000 $866,000
File Closed For Incompleteness 228 $35,325,000 $154,000 $1,121,000 $100,000 $1,392,000
Preapproval Approved but not Accepted 209 $24,477,000 $117,000 $417,000 $52,000 $253,000
Loan Purchased By The 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 1,031 $61,483,000 $59,000 $333,000 $51,000 $4,550,000
Debt-To-Income Ratio 550 $43,490,000 $79,000 $1,268,000 $42,000 $204,000
Collateral 436 $52,005,000 $119,000 $990,000 $73,000 $917,000
Other 274 $18,664,000 $68,000 $1,000,000 $58,000 $1,698,000
Unverifiable Information 52 $2,878,000 $55,000 $382,000 $76,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 37 $3,859,000 $104,000 $415,000 $56,000 $150,000
Employment History 20 $2,367,000 $118,000 $488,000 $47,000 $250,000
Credit Application Incomplete 19 $1,629,000 $85,000 $800,000 $76,000 $472,000
Mortgage Insurance Denied 11 $1,027,000 $93,000 $209,000 $42,000 $97,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Old National Bank's 2009 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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