Old National Bank Mortgage Lending & HMDA Data, 2012
In 2012, Old National Bank of Evansville, IN reported 13,268 mortgage applications totaling $1.4 billion, down 1% from 2011. The average application was for $106,510, and applicants reported an average income of $74,456. 53% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Evansville, IN-KY (2,153), Indianapolis-Carmel, IN (1,976) and Terre Haute, IN (864) (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 | 13,268 |
| Total Mortgage Loan Application Amount | $1,413,177,000 |
| Average Mortgage Loan Application Amount | $106,510 |
| Highest Mortgage Loan Application Amount | $7,377,000 |
| Average Applicant Income | $74,456 |
| Highest Applicant Income | $7,309,000 |
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Act (HMDA) records Old National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,153 | $ 228,500,000 | $ 106,130 | $ 70,926 |
| Indianapolis-Carmel, IN | 1,976 | $ 267,159,000 | $ 135,201 | $ 87,000 |
| Terre Haute, IN | 864 | $ 74,039,000 | $ 85,693 | $ 65,000 |
| Bloomington, IN | 807 | $ 122,733,000 | $ 152,085 | $ 84,000 |
| Muncie, IN | 507 | $ 42,704,000 | $ 84,228 | $ 69,000 |
| Owensboro, KY | 424 | $ 45,761,000 | $ 107,926 | $ 71,000 |
| Louisville/Jefferson County, KY-IN | 419 | $ 70,770,000 | $ 168,902 | $ 97,477 |
| Columbus, IN | 312 | $ 47,400,000 | $ 151,923 | $ 87,000 |
| Anderson, IN | 250 | $ 21,151,000 | $ 84,604 | $ 67,000 |
| Lafayette, IN | 213 | $ 22,450,000 | $ 105,399 | $ 71,000 |
| Danville, IL | 201 | $ 12,347,000 | $ 61,427 | $ 67,000 |
| South Bend-Mishawaka, IN-MI | 186 | $ 31,706,000 | $ 170,462 | $ 151,279 |
| Fort Wayne, IN | 81 | $ 8,981,000 | $ 110,876 | $ 60,000 |
| Elkhart-Goshen, IN | 69 | $ 8,451,000 | $ 122,478 | $ 79,000 |
| Cincinnati-Middletown, OH-KY-IN | 27 | $ 4,200,000 | $ 155,555 | $ 94,888 |
| Chicago-Joliet-Naperville, IL | 15 | $ 3,313,000 | $ 220,866 | $ 135,000 |
| Clarksville, TN-KY | 10 | $ 976,000 | $ 97,600 | $ 116,000 |
| Dayton, OH | 10 | $ 1,150,000 | $ 115,000 | $ 71,000 |
| Kokomo, IN | 10 | $ 582,000 | $ 58,200 | $ 64,000 |
| Niles-Benton Harbor, MI | 7 | $ 740,000 | $ 105,714 | $ 86,000 |
| Bowling Green, KY | 6 | $ 516,000 | $ 86,000 | $ 44,000 |
| Gary, IN | 6 | $ 849,000 | $ 141,500 | $ 60,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,466,000 | $ 293,200 | $ 221,000 |
| Champaign-Urbana, IL | 5 | $ 472,000 | $ 94,400 | $ 35,000 |
| Lexington-Fayette, KY | 3 | $ 421,000 | $ 140,333 | $ 158,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 599,000 | $ 199,666 | $ 87,000 |
| St. Louis, MO-IL | 3 | $ 627,000 | $ 209,000 | $ 38,666 |
| Michigan City-La Porte, IN | 2 | $ 189,000 | $ 94,500 | $ 57,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 143,000 | $ 71,500 | $ 110,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 519,000 | $ 259,500 | $ 355,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 307,000 | $ 153,500 | $ 46,000 |
| Appleton, WI | 1 | $ 74,000 | $ 74,000 | $ 89,000 |
| Bakersfield-Delano, CA | 1 | $ 127,000 | $ 127,000 | $ 116,000 |
| Billings, MT | 1 | $ 200,000 | $ 200,000 | $ 290,000 |
| Boulder, CO | 1 | $ 1,000,000 | $ 1,000,000 | $ 192,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 488,000 | $ 488,000 | $ 174,000 |
| Columbus, GA-AL | 1 | $ 12,000 | $ 12,000 | $ 21,000 |
| Columbus, OH | 1 | $ 3,000 | $ 3,000 | $ 25,000 |
| Durham-Chapel Hill, NC | 1 | $ 188,000 | $ 188,000 | $ 86,000 |
| Elizabethtown, KY | 1 | $ 77,000 | $ 77,000 | $ 117,000 |
| Fort Collins-Loveland, CO | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 230,000 | $ 230,000 | $ 187,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 171,000 | $ 171,000 | $ 54,000 |
| Naples-Marco Island, FL | 1 | $ 417,000 | $ 417,000 | $ 900,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 355,000 | $ 355,000 | $ 116,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 328,000 | $ 328,000 | $ 165,000 |
| Ocala, FL | 1 | $ 134,000 | $ 134,000 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Palm Coast, FL | 1 | $ 184,000 | $ 184,000 | $ 84,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 400,000 | $ 400,000 | $ 135,000 |
| Punta Gorda, FL | 1 | $ 286,000 | $ 286,000 | $ 1,627,000 |
| Salt Lake City, UT | 1 | $ 335,000 | $ 335,000 | $ 28,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 200,000 | $ 200,000 | $ 311,000 |
| Tallahassee, FL | 1 | $ 345,000 | $ 345,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Old National Bank in 2012
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 | 8,894 | $1,016,091,000 | $114,000 | $5,600,000 | $78,000 | $7,309,000 |
| Home Improvement | 2,244 | $92,813,000 | $41,000 | $1,430,000 | $58,000 | $899,000 |
| Home Purchase | 2,130 | $304,273,000 | $142,000 | $7,377,000 | $77,000 | $4,803,000 |
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 | 11,691 | $1,193,165,000 | $102,000 | $2,645,000 | $74,000 | $7,309,000 |
| Not Provided | 837 | $109,293,000 | $130,000 | $2,920,000 | $85,000 | $1,691,000 |
| Black or African American | 258 | $21,673,000 | $84,000 | $390,000 | $64,000 | $915,000 |
| Hispanic | 181 | $15,241,000 | $84,000 | $329,000 | $69,000 | $1,236,000 |
| Asian | 173 | $24,207,000 | $139,000 | $940,000 | $88,000 | $1,033,000 |
| Not applicable | 74 | $43,646,000 | $589,000 | $7,377,000 | $3,000 | $267,000 |
| American Indian or Alaskan Native | 40 | $4,490,000 | $112,000 | $417,000 | $63,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $1,462,000 | $104,000 | $186,000 | $62,000 | $126,000 |
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) | 12,207 | $1,290,620,000 | $105,000 | $7,377,000 | $77,000 | $7,309,000 |
| FHA-insured (Federal Housing Administration) | 758 | $86,479,000 | $114,000 | $276,000 | $50,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 199 | $19,821,000 | $99,000 | $251,000 | $43,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 104 | $16,257,000 | $156,000 | $417,000 | $43,000 | $206,000 |
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 | 6,990 | $784,171,000 | $112,000 | $7,377,000 | $80,000 | $3,217,000 |
| Application Denied By Financial Institution | 4,471 | $410,036,000 | $91,000 | $2,920,000 | $65,000 | $7,309,000 |
| Application Withdrawn By Applicant | 981 | $130,762,000 | $133,000 | $3,600,000 | $86,000 | $1,236,000 |
| Application Approved But Not Accepted | 484 | $48,409,000 | $100,000 | $3,324,000 | $70,000 | $1,029,000 |
| Preapproval Denied by Financial Institution | 233 | $22,874,000 | $98,000 | $475,000 | $41,000 | $350,000 |
| File Closed For Incompleteness | 109 | $16,925,000 | $155,000 | $1,500,000 | $96,000 | $979,000 |
| 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 | 1,569 | $114,849,000 | $73,000 | $400,000 | $60,000 | $4,803,000 |
| Collateral | 1,372 | $154,782,000 | $112,000 | $1,000,000 | $73,000 | $1,627,000 |
| Other | 783 | $55,907,000 | $71,000 | $1,200,000 | $59,000 | $915,000 |
| Debt-To-Income Ratio | 686 | $78,445,000 | $114,000 | $2,920,000 | $43,000 | $463,000 |
| Credit Application Incomplete | 105 | $12,914,000 | $122,000 | $810,000 | $90,000 | $400,000 |
| Unverifiable Information | 101 | $8,522,000 | $84,000 | $420,000 | $147,000 | $7,309,000 |
| Employment History | 71 | $6,292,000 | $88,000 | $288,000 | $38,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,047,000 | $69,000 | $173,000 | $48,000 | $83,000 |
| Mortgage Insurance Denied | 2 | $152,000 | $76,000 | $105,000 | $53,000 | $56,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Old National Bank's 2012 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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