Old National Bank Mortgage Lending & HMDA Data, 2005
In 2005, Old National Bank of Evansville, IN reported 11,420 mortgage applications totaling $853.7 million, down 11% from 2004. The average application was for $74,756, and applicants reported an average income of $61,659. 63% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Evansville, IN-KY (1,769), Indianapolis, IN (1,222) and Terre Haute, IN (765) (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 | 11,420 |
| Total Mortgage Loan Application Amount | $853,715,000 |
| Average Mortgage Loan Application Amount | $74,756 |
| Highest Mortgage Loan Application Amount | $4,100,000 |
| Average Applicant Income | $61,659 |
| Highest Applicant Income | $3,504,000 |
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Act (HMDA) records Old National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Evansville, IN-KY | 1,769 | $ 160,294,000 | $ 90,612 | $ 71,000 |
| Indianapolis, IN | 1,222 | $ 82,009,000 | $ 67,110 | $ 84,000 |
| Terre Haute, IN | 765 | $ 51,037,000 | $ 66,715 | $ 73,000 |
| Muncie, IN | 560 | $ 41,772,000 | $ 74,592 | $ 72,000 |
| Bloomington, IN | 461 | $ 52,082,000 | $ 112,976 | $ 63,000 |
| Owensboro, KY | 380 | $ 29,774,000 | $ 78,352 | $ 42,000 |
| Louisville, KY-IN | 252 | $ 42,041,000 | $ 166,829 | $ 70,000 |
| Anderson, IN | 247 | $ 11,672,000 | $ 47,255 | $ 52,000 |
| Danville, IL | 168 | $ 9,030,000 | $ 53,750 | $ 52,000 |
| Clarksville, TN-KY | 119 | $ 11,674,000 | $ 98,100 | $ 52,000 |
| Kokomo, IN | 112 | $ 5,723,000 | $ 51,098 | $ 58,000 |
| Columbus, IN | 88 | $ 1,087,000 | $ 12,352 | $ 54,000 |
| Lafayette, IN | 52 | $ 4,347,000 | $ 83,596 | $ 88,000 |
| Dayton, OH | 17 | $ 1,307,000 | $ 76,882 | $ 94,000 |
| Nashville-Davidson--Murfreesboro, TN | 15 | $ 1,449,000 | $ 96,600 | $ 62,000 |
| Chicago-Naperville-Joliet, IL | 10 | $ 2,836,000 | $ 283,600 | $ 132,000 |
| Naples-Marco Island, FL | 9 | $ 6,756,000 | $ 750,666 | $ 571,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 3,381,000 | $ 422,625 | $ 189,000 |
| Fort Wayne, IN | 8 | $ 546,000 | $ 68,250 | $ 60,000 |
| Bowling Green, KY | 5 | $ 541,000 | $ 108,200 | $ 55,000 |
| Elizabethtown, KY | 5 | $ 548,000 | $ 109,600 | $ 39,000 |
| Orlando, FL | 5 | $ 2,031,000 | $ 406,200 | $ 178,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,964,000 | $ 392,800 | $ 539,000 |
| Champaign-Urbana, IL | 4 | $ 331,000 | $ 82,750 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 624,000 | $ 156,000 | $ 208,000 |
| Gainesville, FL | 3 | $ 344,000 | $ 114,666 | $ 26,000 |
| Gary, IN | 3 | $ 270,000 | $ 90,000 | $ 73,000 |
| Houston-Baytown-Sugar Land, TX | 3 | $ 502,000 | $ 167,333 | $ 159,000 |
| Lexington-Fayette, KY | 3 | $ 386,000 | $ 128,666 | $ 77,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 436,000 | $ 145,333 | $ 422,000 |
| Columbus, OH | 2 | $ 269,000 | $ 134,500 | $ 56,000 |
| Denver-Aurora, CO | 2 | $ 348,000 | $ 174,000 | $ 24,000 |
| Peoria, IL | 2 | $ 292,000 | $ 146,000 | $ 156,000 |
| Richmond, VA | 2 | $ 129,000 | $ 64,500 | $ 49,000 |
| Rockford, IL | 2 | $ 259,000 | $ 129,500 | $ 73,000 |
| St. Louis, MO-IL | 2 | $ 207,000 | $ 103,500 | $ 40,000 |
| Tucson, AZ | 2 | $ 317,000 | $ 158,500 | $ 176,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 510,000 | $ 255,000 | $ 76,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 232,000 | $ 232,000 | $ 315,000 |
| Austin-Round Rock, TX | 1 | $ 250,000 | $ 250,000 | $ 35,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 200,000 | $ 200,000 | $ 198,000 |
| Billings, MT | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 91,000 | $ 91,000 | $ 96,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 326,000 | $ 326,000 | $ 127,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Fond Du Lac, WI | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Fort Smith, AR-OK | 1 | $ 119,000 | $ 119,000 | $ 51,000 |
| Fort Worth-Arlington, TX | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 548,000 | $ 548,000 | $ 220,000 |
| Hot Springs, AR | 1 | $ 86,000 | $ 86,000 | $ 20,000 |
| Jacksonville, FL | 1 | $ 168,000 | $ 168,000 | $ 48,000 |
| Las Cruces, NM | 1 | $ 581,000 | $ 581,000 | $ 246,000 |
| Las Vegas-Paradise, NV | 1 | $ 498,000 | $ 498,000 | $ 123,000 |
| Longview, TX | 1 | $ 140,000 | $ 140,000 | $ 96,000 |
| Madison, WI | 1 | $ 284,000 | $ 284,000 | $ 95,000 |
| Memphis, TN-MS-AR | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 234,000 | $ 234,000 | $ 185,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 118,000 | $ 118,000 | $ 121,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 100,000 | $ 100,000 | $ 380,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 355,000 | $ 355,000 | $ 88,000 |
| Philadelphia, PA | 1 | $ 408,000 | $ 408,000 | $ 194,000 |
| Pittsburgh, PA | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Roanoke, VA | 1 | $ 294,000 | $ 294,000 | $ 134,000 |
| Salt Lake City, UT | 1 | $ 2,846,000 | $ 2,846,000 | $ 876,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 123,000 | $ 123,000 | $ 79,000 |
| Tulsa, OK | 1 | $ 122,000 | $ 122,000 | $ 54,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 247,000 | $ 247,000 | $ 124,000 |
| Wilmington, NC | 1 | $ 80,000 | $ 80,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for Old National 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,084 | $463,212,000 | $239,423 | $4,100,000 | $131,230 | $3,504,000 |
| Home Improvement | 3,699 | $47,212,000 | $32,666 | $500,000 | $83,000 | $1,739,000 |
| Refinancing | 3,637 | $343,291,000 | $300,125 | $2,846,000 | $196,437 | $2,057,000 |
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 | 10,354 | $752,165,000 | $288,148 | $2,846,000 | $166,407 | $3,504,000 |
| Black or African American | 436 | $21,574,000 | $130,571 | $581,000 | $77,285 | $367,000 |
| Not applicable | 185 | $39,510,000 | $341,333 | $4,100,000 | $0 | $0 |
| Not Provided | 184 | $10,211,000 | $90,375 | $673,000 | $44,625 | $473,000 |
| Hispanic | 154 | $12,499,000 | $137,750 | $408,000 | $74,875 | $300,000 |
| Asian | 73 | $13,149,000 | $181,333 | $703,000 | $356,333 | $2,057,000 |
| American Indian or Alaskan Native | 24 | $2,066,000 | $49,833 | $1,338,000 | $48,333 | $411,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,541,000 | $194,500 | $737,000 | $112,500 | $642,000 |
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) | 11,014 | $819,846,000 | $278,129 | $4,100,000 | $167,322 | $3,504,000 |
| FHA-insured (Federal Housing Administration) | 224 | $18,446,000 | $89,000 | $182,000 | $47,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 145 | $10,932,000 | $74,500 | $176,000 | $32,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 37 | $4,491,000 | $117,666 | $232,000 | $51,333 | $122,000 |
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 | 7,247 | $600,169,000 | $293,962 | $4,100,000 | $178,037 | $3,504,000 |
| Application Denied By Financial Institution | 2,000 | $74,721,000 | $96,333 | $1,790,000 | $55,555 | $1,308,000 |
| Application Withdrawn By Applicant | 1,119 | $119,588,000 | $166,400 | $1,300,000 | $149,733 | $2,057,000 |
| Preapproval Denied by Financial Institution | 546 | $42,908,000 | $78,000 | $475,000 | $33,000 | $297,000 |
| Application Approved But Not Accepted | 498 | $15,549,000 | $29,400 | $1,325,000 | $51,600 | $329,000 |
| File Closed For Incompleteness | 10 | $780,000 | $78,000 | $148,000 | $41,000 | $84,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,486 | $62,334,000 | $67,000 | $475,000 | $39,250 | $1,308,000 |
| Debt-To-Income Ratio | 742 | $37,611,000 | $74,285 | $520,000 | $54,142 | $543,000 |
| Collateral | 168 | $7,305,000 | $75,857 | $309,000 | $53,857 | $329,000 |
| Other | 101 | $5,426,000 | $53,800 | $680,000 | $56,000 | $247,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,973,000 | $201,000 | $1,790,000 | $83,333 | $285,000 |
| Unverifiable Information | 15 | $920,000 | $62,666 | $160,000 | $55,666 | $120,000 |
| Employment History | 11 | $558,000 | $40,750 | $281,000 | $26,000 | $83,000 |
| Credit Application Incomplete | 7 | $502,000 | $46,000 | $375,000 | $46,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Old National 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 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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