Old National Bank Mortgage Lending & HMDA Data, 2015
In 2015, Old National Bank of Evansville, IN reported 8,474 mortgage applications totaling $1.1 billion, down 7% from 2014. The average application was for $130,110, and applicants reported an average income of $87,958. 59% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Indianapolis-Carmel-Anderson, IN (892), Evansville, IN-KY (827) and Grand Rapids-Wyoming, MI (723) (applications in parentheses).
| Mortgage Company & Address | Old National Bank One Main Street Evansville, IN 47708 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 8,474 |
| Total Mortgage Loan Application Amount | $1,102,558,000 |
| Average Mortgage Loan Application Amount | $130,110 |
| Highest Mortgage Loan Application Amount | $6,669,000 |
| Average Applicant Income | $87,958 |
| Highest Applicant Income | $2,321,000 |
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Act (HMDA) records Old National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Indianapolis-Carmel-Anderson, IN | 892 | $ 121,040,000 | $ 135,695 | $ 88,000 |
| Evansville, IN-KY | 827 | $ 90,178,000 | $ 109,042 | $ 71,810 |
| Grand Rapids-Wyoming, MI | 723 | $ 153,470,000 | $ 212,268 | $ 121,000 |
| Ann Arbor, MI | 558 | $ 154,378,000 | $ 276,663 | $ 141,000 |
| Terre Haute, IN | 462 | $ 29,610,000 | $ 64,090 | $ 67,000 |
| Lafayette-West Lafayette, IN | 321 | $ 50,889,000 | $ 158,532 | $ 83,000 |
| Kalamazoo-Portage, MI | 245 | $ 32,501,000 | $ 132,657 | $ 87,000 |
| Muncie, IN | 240 | $ 18,285,000 | $ 76,187 | $ 79,000 |
| Bloomington, IN | 232 | $ 34,337,000 | $ 148,004 | $ 97,000 |
| Owensboro, KY | 232 | $ 20,129,000 | $ 86,762 | $ 63,000 |
| Louisville/Jefferson County, KY-IN | 228 | $ 37,509,000 | $ 164,513 | $ 98,456 |
| South Bend-Mishawaka, IN-MI | 170 | $ 23,770,000 | $ 139,823 | $ 99,570 |
| Jackson, MI | 141 | $ 12,972,000 | $ 92,000 | $ 82,000 |
| Warren-Troy-Farmington Hills, MI | 120 | $ 32,510,000 | $ 270,916 | $ 127,000 |
| Columbus, IN | 119 | $ 17,190,000 | $ 144,453 | $ 93,000 |
| Fort Wayne, IN | 115 | $ 15,538,000 | $ 135,113 | $ 100,000 |
| Battle Creek, MI | 95 | $ 7,112,000 | $ 74,863 | $ 63,000 |
| Danville, IL | 94 | $ 3,966,000 | $ 42,191 | $ 61,000 |
| Carbondale-Marion, IL | 85 | $ 4,806,000 | $ 56,541 | $ 64,000 |
| Monroe, MI | 62 | $ 9,719,000 | $ 156,758 | $ 73,000 |
| Elkhart-Goshen, IN | 48 | $ 6,154,000 | $ 128,208 | $ 137,000 |
| Niles-Benton Harbor, MI | 45 | $ 5,405,000 | $ 120,111 | $ 83,000 |
| Detroit-Dearborn-Livonia, MI | 39 | $ 8,678,000 | $ 222,512 | $ 111,000 |
| Lansing-East Lansing, MI | 14 | $ 1,783,000 | $ 127,357 | $ 72,000 |
| Cincinnati, OH-KY-IN | 7 | $ 836,000 | $ 119,428 | $ 86,571 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 1,105,000 | $ 184,166 | $ 326,000 |
| Lexington-Fayette, KY | 6 | $ 1,021,000 | $ 170,166 | $ 53,000 |
| Clarksville, TN-KY | 4 | $ 499,000 | $ 124,750 | $ 30,000 |
| Flint, MI | 4 | $ 850,000 | $ 212,500 | $ 146,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 379,000 | $ 94,750 | $ 48,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 582,000 | $ 145,500 | $ 91,000 |
| Toledo, OH | 4 | $ 408,000 | $ 102,000 | $ 101,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,500,000 | $ 500,000 | $ 266,000 |
| Kokomo, IN | 3 | $ 290,000 | $ 96,666 | $ 62,000 |
| Muskegon, MI | 3 | $ 1,442,000 | $ 480,666 | $ 325,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 20,000 | $ 10,000 | $ 78,000 |
| Jacksonville, FL | 2 | $ 90,000 | $ 45,000 | $ 124,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,718,000 | $ 859,000 | $ 443,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 831,000 | $ 415,500 | $ 472,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 390,000 | $ 195,000 | $ 127,000 |
| Punta Gorda, FL | 2 | $ 226,000 | $ 113,000 | $ 81,000 |
| St. Louis, MO-IL | 2 | $ 274,000 | $ 137,000 | $ 189,500 |
| Austin-Round Rock, TX | 1 | $ 260,000 | $ 260,000 | $ 200,000 |
| Boulder, CO | 1 | $ 240,000 | $ 240,000 | $ 153,000 |
| Bowling Green, KY | 1 | $ 108,000 | $ 108,000 | $ 114,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 150,000 | $ 150,000 | $ 131,000 |
| Champaign-Urbana, IL | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 247,000 | $ 247,000 | $ 129,000 |
| Cleveland-Elyria, OH | 1 | $ 336,000 | $ 336,000 | $ 138,000 |
| Dallas-Plano-Irving, TX | 1 | $ 339,000 | $ 339,000 | $ 133,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 120,000 | $ 120,000 | $ 96,000 |
| Flagstaff, AZ | 1 | $ 360,000 | $ 360,000 | $ 290,000 |
| Gary, IN | 1 | $ 88,000 | $ 88,000 | $ 103,000 |
| Lakeland-Winter Haven, FL | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 305,000 | $ 305,000 | $ 160,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 100,000 | $ 100,000 | $ 205,000 |
| Lynchburg, VA | 1 | $ 112,000 | $ 112,000 | $ 133,000 |
| Michigan City-La Porte, IN | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Montgomery, AL | 1 | $ 3,000 | $ 3,000 | $ 15,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 297,000 | $ 297,000 | $ 200,000 |
| Panama City, FL | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 96,000 | $ 96,000 | $ 86,000 |
| Raleigh, NC | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Rapid City, SD | 1 | $ 88,000 | $ 88,000 | $ 23,000 |
| Reno, NV | 1 | $ 468,000 | $ 468,000 | $ 519,000 |
| San Diego-Carlsbad, CA | 1 | $ 810,000 | $ 810,000 | $ 258,000 |
| Santa Rosa, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 354,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 87,000 | $ 87,000 | $ 98,000 |
| Tallahassee, FL | 1 | $ 92,000 | $ 92,000 | $ 84,000 |
| Tucson, AZ | 1 | $ 122,000 | $ 122,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Old National Bank in 2015
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 | 3,481 | $515,396,000 | $148,000 | $3,750,000 | $96,000 | $2,321,000 |
| Home Purchase | 2,684 | $517,452,000 | $192,000 | $6,669,000 | $99,000 | $1,060,000 |
| Home Improvement | 2,309 | $69,710,000 | $30,000 | $960,000 | $63,000 | $625,000 |
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 | 7,377 | $926,150,000 | $125,000 | $2,489,000 | $90,000 | $2,321,000 |
| Not Provided | 353 | $40,115,000 | $113,000 | $1,304,000 | $97,000 | $1,380,000 |
| Black or African American | 283 | $25,836,000 | $91,000 | $879,000 | $64,000 | $507,000 |
| Hispanic | 170 | $17,331,000 | $101,000 | $548,000 | $74,000 | $325,000 |
| Asian | 143 | $28,218,000 | $197,000 | $1,578,000 | $105,000 | $710,000 |
| Not applicable | 120 | $60,680,000 | $505,000 | $6,669,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $2,438,000 | $143,000 | $1,049,000 | $77,000 | $277,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,790,000 | $162,000 | $840,000 | $87,000 | $270,000 |
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) | 7,958 | $1,039,070,000 | $130,000 | $6,669,000 | $90,000 | $2,321,000 |
| FHA-insured (Federal Housing Administration) | 353 | $42,332,000 | $119,000 | $276,000 | $57,000 | $1,380,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 97 | $10,249,000 | $105,000 | $331,000 | $41,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 66 | $10,907,000 | $165,000 | $405,000 | $68,000 | $204,000 |
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 | 4,983 | $765,504,000 | $153,000 | $6,669,000 | $98,000 | $1,819,000 |
| Application Denied By Financial Institution | 2,593 | $188,901,000 | $72,000 | $2,500,000 | $64,000 | $2,321,000 |
| Application Withdrawn By Applicant | 604 | $117,303,000 | $194,000 | $1,578,000 | $112,000 | $2,231,000 |
| Application Approved But Not Accepted | 258 | $27,961,000 | $108,000 | $1,054,000 | $81,000 | $687,000 |
| Loan Purchased By The Institution | 29 | $2,079,000 | $71,000 | $114,000 | $32,000 | $50,000 |
| File Closed For Incompleteness | 7 | $810,000 | $115,000 | $156,000 | $94,000 | $205,000 |
| 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 | 895 | $47,610,000 | $53,000 | $940,000 | $59,000 | $1,380,000 |
| Other | 532 | $26,860,000 | $50,000 | $2,500,000 | $54,000 | $422,000 |
| Collateral | 486 | $53,983,000 | $111,000 | $750,000 | $84,000 | $2,321,000 |
| Debt-To-Income Ratio | 437 | $31,761,000 | $72,000 | $650,000 | $46,000 | $382,000 |
| Credit Application Incomplete | 153 | $19,901,000 | $130,000 | $711,000 | $109,000 | $720,000 |
| Unverifiable Information | 46 | $4,656,000 | $101,000 | $320,000 | $79,000 | $216,000 |
| Employment History | 36 | $3,283,000 | $91,000 | $315,000 | $65,000 | $241,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $847,000 | $105,000 | $177,000 | $48,000 | $81,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Old National Bank's 2015 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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