Platinum Community Bank Mortgage Lending & HMDA Data, 2004

In 2004, Platinum Community Bank of Rolling Meadows, IL reported 3,225 mortgage applications totaling $503.7 million, down 32% from 2003. The average application was for $156,174, and applicants reported an average income of $62,654. 4% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (231), Nassau-Suffolk, NY (119) and Denver-Aurora, CO (112) (applications in parentheses).

Mortgage Company & Address Platinum Community Bank
2915 Kirchoff Rd
Rolling Meadows, IL 60008
Tel #: available with data download
Federal Regulator * available with data download
Years 2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,225
Total Mortgage Loan Application Amount $503,662,000
Average Mortgage Loan Application Amount $156,174
Highest Mortgage Loan Application Amount $1,100,000
Average Applicant Income $62,654
Highest Applicant Income $1,596,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Platinum Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Platinum Community Bank by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Suffolk, New York 78 $ 18,845,000 $ 241,602 $ 73,000
Harrison, Mississippi 75 $ 8,595,000 $ 114,600 $ 48,000
Hinds, Mississippi 65 $ 5,418,000 $ 83,353 $ 54,000
Cook, Illinois 58 $ 7,386,000 $ 127,344 $ 61,000
El Paso, Colorado 46 $ 7,977,000 $ 173,413 $ 41,000
Orleans, Louisiana 45 $ 4,991,000 $ 110,911 $ 61,000
Monroe, New York 43 $ 4,224,000 $ 98,232 $ 60,000
Travis, Texas 42 $ 5,632,000 $ 134,095 $ 48,000
St. Tammany, Louisiana 41 $ 5,686,000 $ 138,682 $ 59,000
Nassau, New York 41 $ 11,033,000 $ 269,097 $ 81,000
Los Angeles, California 38 $ 9,232,000 $ 242,947 $ 76,000
Queens, New York 38 $ 9,943,000 $ 261,657 $ 76,000
Jefferson, Colorado 36 $ 7,504,000 $ 208,444 $ 64,000
Fulton, Georgia 36 $ 5,930,000 $ 164,722 $ 88,000
Williamson, Texas 36 $ 5,136,000 $ 142,666 $ 58,000
Cuyahoga, Ohio 35 $ 3,430,000 $ 98,000 $ 40,000
Benton, Arkansas 34 $ 6,080,000 $ 178,823 $ 73,000
Kings, New York 34 $ 9,835,000 $ 289,264 $ 78,000
DeKalb, Georgia 33 $ 4,159,000 $ 126,030 $ 76,000
Waukesha, Wisconsin 32 $ 7,781,000 $ 243,156 $ 90,000
Maricopa, Arizona 31 $ 4,452,000 $ 143,612 $ 46,000
Baltimore, Maryland 31 $ 4,869,000 $ 157,064 $ 51,000
Clark, Nevada 30 $ 4,884,000 $ 162,800 $ 46,000
Denver, Colorado 29 $ 5,553,000 $ 191,482 $ 62,000
Clayton, Georgia 29 $ 3,560,000 $ 122,758 $ 38,000
Milwaukee, Wisconsin 29 $ 4,254,000 $ 146,689 $ 36,000
Ocean, New Jersey 26 $ 4,849,000 $ 186,500 $ 70,000
Greene, Missouri 25 $ 4,906,000 $ 196,240 $ 194,000
Rutherford, Tennessee 25 $ 3,328,000 $ 133,120 $ 55,000
Riverside, California 23 $ 5,541,000 $ 240,913 $ 77,000
Arapahoe, Colorado 23 $ 4,385,000 $ 190,652 $ 51,000
Gwinnett, Georgia 23 $ 3,296,000 $ 143,304 $ 59,000
Henry, Georgia 21 $ 3,127,000 $ 148,904 $ 59,000
Ada, Idaho 21 $ 2,890,000 $ 137,619 $ 62,000
Chesterfield, Virginia 21 $ 2,050,000 $ 97,619 $ 54,000
Craighead, Arkansas 20 $ 1,706,000 $ 85,300 $ 31,000
Santa Cruz, California 20 $ 5,658,000 $ 282,900 $ 40,000
Anne Arundel, Maryland 18 $ 3,795,000 $ 210,833 $ 54,000
Montgomery, Maryland 18 $ 3,785,000 $ 210,277 $ 42,000
York, Pennsylvania 18 $ 2,053,000 $ 114,055 $ 35,000
Cobb, Georgia 17 $ 2,911,000 $ 171,235 $ 49,000
Winnebago, Illinois 17 $ 2,278,000 $ 134,000 $ 38,000
Worcester, Massachusetts 17 $ 3,213,000 $ 189,000 $ 62,000
Spotsylvania, Virginia 17 $ 3,043,000 $ 179,000 $ 69,000
Tulare, California 16 $ 2,429,000 $ 151,812 $ 137,000
Prince George's, Maryland 16 $ 2,782,000 $ 173,875 $ 63,000
Broome, New York 16 $ 1,211,000 $ 75,687 $ 38,000
Rockdale, Georgia 15 $ 1,581,000 $ 105,400 $ 42,000
Washington, Arkansas 14 $ 2,136,000 $ 152,571 $ 83,000
Jefferson, Alabama 13 $ 1,065,000 $ 81,923 $ 31,000
Fresno, California 13 $ 2,075,000 $ 159,615 $ 61,000
Adams, Colorado 13 $ 2,310,000 $ 177,692 $ 48,000
Jasper, Missouri 13 $ 1,420,000 $ 109,230 $ 54,000
Delaware, Pennsylvania 13 $ 1,376,000 $ 105,846 $ 52,000
Lancaster, Pennsylvania 13 $ 1,398,000 $ 107,538 $ 34,000
Larimer, Colorado 12 $ 2,256,000 $ 188,000 $ 52,000
Crawford, Arkansas 11 $ 1,197,000 $ 108,818 $ 59,000
Orange, California 11 $ 3,666,000 $ 333,272 $ 75,000
Nassau, Florida 11 $ 954,000 $ 86,727 $ 35,000
Spalding, Georgia 11 $ 1,118,000 $ 101,636 $ 173,000
Twin Falls, Idaho 11 $ 1,399,000 $ 127,181 $ 51,000
DuPage, Illinois 11 $ 2,183,000 $ 198,454 $ 53,000
Will, Illinois 11 $ 2,630,000 $ 239,090 $ 85,000
Jefferson, Louisiana 11 $ 1,511,000 $ 137,363 $ 68,000
Harford, Maryland 11 $ 2,373,000 $ 215,727 $ 52,000
St. Clair, Michigan 11 $ 1,930,000 $ 175,454 $ 102,000
Essex, New Jersey 11 $ 2,078,000 $ 188,909 $ 72,000
Richmond, New York 11 $ 2,257,000 $ 205,181 $ 58,000
McMinn, Tennessee 11 $ 980,000 $ 89,090 $ 58,000
Pima, Arizona 10 $ 1,088,000 $ 108,800 $ 31,000
Douglas, Colorado 10 $ 2,663,000 $ 266,300 $ 93,000
Charles, Maryland 10 $ 2,441,000 $ 244,100 $ 94,000
Genesee, Michigan 10 $ 1,095,000 $ 109,500 $ 53,000
Jackson, Mississippi 10 $ 974,000 $ 97,400 $ 42,000
Bergen, New Jersey 10 $ 2,251,000 $ 225,100 $ 95,000
Montgomery, Ohio 10 $ 988,000 $ 98,800 $ 43,000
Sacramento, California 9 $ 2,219,000 $ 246,555 $ 87,000
San Bernardino, California 9 $ 1,782,000 $ 198,000 $ 68,000
Bartow, Georgia 9 $ 1,245,000 $ 138,333 $ 62,000
Floyd, Georgia 9 $ 790,000 $ 87,777 $ 33,000
McHenry, Illinois 9 $ 1,884,000 $ 209,333 $ 75,000
Clay, Missouri 9 $ 1,471,000 $ 163,444 $ 68,000
Chenango, New York 9 $ 542,000 $ 60,222 $ 46,000
Onondaga, New York 9 $ 849,000 $ 94,333 $ 44,000
Harris, Texas 9 $ 1,076,000 $ 119,555 $ 56,000
Lee, Alabama 8 $ 638,000 $ 79,750 $ 37,000
Bay, Florida 8 $ 1,345,000 $ 168,125 $ 62,000
Cherokee, Georgia 8 $ 1,293,000 $ 161,625 $ 83,000
Lake, Illinois 8 $ 1,597,000 $ 199,625 $ 35,000
St. Joseph, Indiana 8 $ 422,000 $ 52,750 $ 115,000
Camden, New Jersey 8 $ 961,000 $ 120,125 $ 53,000
Shelby, Tennessee 8 $ 691,000 $ 86,375 $ 51,000
Monroe, Wisconsin 8 $ 1,026,000 $ 128,250 $ 29,000
San Diego, California 7 $ 2,079,000 $ 297,000 $ 71,000
District of Columbia, District Of Columbia 7 $ 1,672,000 $ 238,857 $ 81,000
Douglas, Georgia 7 $ 1,074,000 $ 153,428 $ 63,000
Walton, Georgia 7 $ 964,000 $ 137,714 $ 43,000
Livingston, Louisiana 7 $ 1,107,000 $ 158,142 $ 73,000
Madison, Mississippi 7 $ 964,000 $ 137,714 $ 42,000
Rankin, Mississippi 7 $ 815,000 $ 116,428 $ 46,000
Cole, Missouri 7 $ 1,061,000 $ 151,571 $ 63,000
Douglas, Nebraska 7 $ 1,452,000 $ 207,428 $ 74,000
Atlantic, New Jersey 7 $ 996,000 $ 142,285 $ 65,000
Union, New Jersey 7 $ 1,603,000 $ 229,000 $ 84,000
Ashtabula, Ohio 7 $ 606,000 $ 86,571 $ 35,000
Henrico, Virginia 7 $ 1,140,000 $ 162,857 $ 58,000
Prince William, Virginia 7 $ 1,481,000 $ 211,571 $ 81,000
King, Washington 7 $ 1,742,000 $ 248,857 $ 86,000
Brown, Wisconsin 7 $ 1,421,000 $ 203,000 $ 92,000
Kern, California 6 $ 949,000 $ 158,166 $ 113,000
Miami-Dade, Florida 6 $ 890,000 $ 148,333 $ 44,000
Newton, Georgia 6 $ 721,000 $ 120,166 $ 39,000
Kane, Illinois 6 $ 711,000 $ 118,500 $ 68,000
East Baton Rouge, Louisiana 6 $ 796,000 $ 132,666 $ 67,000
Cape Girardeau, Missouri 6 $ 1,222,000 $ 203,666 $ 74,000
Platte, Missouri 6 $ 1,295,000 $ 215,833 $ 95,000
Polk, Missouri 6 $ 575,000 $ 95,833 $ 36,000
Craven, North Carolina 6 $ 565,000 $ 94,166 $ 47,000
Philadelphia, Pennsylvania 6 $ 815,000 $ 135,833 $ 87,000
Bexar, Texas 6 $ 566,000 $ 94,333 $ 28,000
El Paso, Texas 6 $ 753,000 $ 125,500 $ 54,000
Stafford, Virginia 6 $ 1,042,000 $ 173,666 $ 108,000
Virginia Beach, Virginia 6 $ 826,000 $ 137,666 $ 40,000
Dane, Wisconsin 6 $ 906,000 $ 151,000 $ 51,000
Kenosha, Wisconsin 6 $ 764,000 $ 127,333 $ 52,000
Racine, Wisconsin 6 $ 657,000 $ 109,500 $ 77,000
Houston, Alabama 5 $ 514,000 $ 102,800 $ 47,000
Sebastian, Arkansas 5 $ 393,000 $ 78,600 $ 44,000
Yolo, California 5 $ 1,306,000 $ 261,200 $ 107,000
Duval, Florida 5 $ 416,000 $ 83,200 $ 22,000
Escambia, Florida 5 $ 434,000 $ 86,800 $ 36,000
Hillsborough, Florida 5 $ 671,000 $ 134,200 $ 76,000
Santa Rosa, Florida 5 $ 456,000 $ 91,200 $ 33,000
Fayette, Georgia 5 $ 800,000 $ 160,000 $ 65,000
Hall, Georgia 5 $ 783,000 $ 156,600 $ 67,000
Polk, Georgia 5 $ 584,000 $ 116,800 $ 55,000
Cassia, Idaho 5 $ 430,000 $ 86,000 $ 56,000
Bureau, Illinois 5 $ 490,000 $ 98,000 $ 40,000
Bossier, Louisiana 5 $ 478,000 $ 95,600 $ 30,000
Caddo, Louisiana 5 $ 416,000 $ 83,200 $ 35,000
Baltimore City, Maryland 5 $ 503,000 $ 100,600 $ 66,000
Carroll, Maryland 5 $ 1,032,000 $ 206,400 $ 72,000
Howard, Maryland 5 $ 1,212,000 $ 242,400 $ 133,000
St. Mary's, Maryland 5 $ 639,000 $ 127,800 $ 41,000
Middlesex, Massachusetts 5 $ 1,201,000 $ 240,200 $ 75,000
Macomb, Michigan 5 $ 900,000 $ 180,000 $ 45,000
Hancock, Mississippi 5 $ 454,000 $ 90,800 $ 43,000
Boone, Missouri 5 $ 891,000 $ 178,200 $ 56,000
Newton, Missouri 5 $ 1,210,000 $ 242,000 $ 93,000
Saline, Missouri 5 $ 540,000 $ 108,000 $ 81,000
St. Louis, Missouri 5 $ 995,000 $ 199,000 $ 67,000
Cumberland, New Jersey 5 $ 503,000 $ 100,600 $ 42,000
Monmouth, New Jersey 5 $ 1,242,000 $ 248,400 $ 69,000
Livingston, New York 5 $ 629,000 $ 125,800 $ 73,000
Randolph, North Carolina 5 $ 526,000 $ 105,200 $ 41,000
Blair, Pennsylvania 5 $ 384,000 $ 76,800 $ 24,000
Cambria, Pennsylvania 5 $ 345,000 $ 69,000 $ 35,000
Montgomery, Pennsylvania 5 $ 743,000 $ 148,600 $ 59,000
Monroe, Tennessee 5 $ 574,000 $ 114,800 $ 51,000
Hays, Texas 5 $ 717,000 $ 143,400 $ 52,000
Montgomery, Texas 5 $ 723,000 $ 144,600 $ 108,000
Fluvanna, Virginia 5 $ 882,000 $ 176,400 $ 35,000
Richmond City, Virginia 5 $ 734,000 $ 146,800 $ 39,000
Dodge, Wisconsin 5 $ 945,000 $ 189,000 $ 46,000
Rock, Wisconsin 5 $ 547,000 $ 109,400 $ 56,000
Washington, Wisconsin 5 $ 895,000 $ 179,000 $ 64,000
Placer, California 4 $ 933,000 $ 233,250 $ 58,000
Plumas, California 4 $ 512,000 $ 128,000 $ 43,000
Santa Clara, California 4 $ 1,340,000 $ 335,000 $ 104,000
Solano, California 4 $ 992,000 $ 248,000 $ 107,000
Boulder, Colorado 4 $ 772,000 $ 193,000 $ 55,000
Weld, Colorado 4 $ 651,000 $ 162,750 $ 43,000
Fairfield, Connecticut 4 $ 742,000 $ 185,500 $ 111,000
New Castle, Delaware 4 $ 691,000 $ 172,750 $ 43,000
Walton, Florida 4 $ 1,065,000 $ 266,250 $ 21,000
Forsyth, Georgia 4 $ 610,000 $ 152,500 $ 167,000
Lake, Indiana 4 $ 498,000 $ 124,500 $ 69,000
McPherson, Kansas 4 $ 466,000 $ 116,500 $ 47,000
Ascension, Louisiana 4 $ 513,000 $ 128,250 $ 51,000
De Soto, Louisiana 4 $ 351,000 $ 87,750 $ 44,000
Lincoln, Louisiana 4 $ 428,000 $ 107,000 $ 81,000
St. Bernard, Louisiana 4 $ 330,000 $ 82,500 $ 35,000
Frederick, Maryland 4 $ 720,000 $ 180,000 $ 14,000
Warren, Mississippi 4 $ 305,000 $ 76,250 $ 34,000
Buchanan, Missouri 4 $ 660,000 $ 165,000 $ 54,000
Jackson, Missouri 4 $ 758,000 $ 189,500 $ 100,000
Gloucester, New Jersey 4 $ 749,000 $ 187,250 $ 100,000
Ontario, New York 4 $ 475,000 $ 118,750 $ 39,000
Westchester, New York 4 $ 1,209,000 $ 302,250 $ 115,000
Greene, Ohio 4 $ 465,000 $ 116,250 $ 47,000
Lake, Ohio 4 $ 471,000 $ 117,750 $ 50,000
Gibson, Tennessee 4 $ 247,000 $ 61,750 $ 26,000
Madison, Tennessee 4 $ 297,000 $ 74,250 $ 27,000
Putnam, Tennessee 4 $ 529,000 $ 132,250 $ 52,000
Wilson, Tennessee 4 $ 552,000 $ 138,000 $ 29,000
Bastrop, Texas 4 $ 469,000 $ 117,250 $ 50,000
Fort Bend, Texas 4 $ 506,000 $ 126,500 $ 29,000
Accomack, Virginia 4 $ 425,000 $ 106,250 $ 77,000
Fairfax, Virginia 4 $ 842,000 $ 210,500 $ 80,000
Gloucester, Virginia 4 $ 501,000 $ 125,250 $ 40,000
King George, Virginia 4 $ 686,000 $ 171,500 $ 54,000
Norfolk, Virginia 4 $ 570,000 $ 142,500 $ 77,000
Outagamie, Wisconsin 4 $ 768,000 $ 192,000 $ 74,000
Laramie, Wyoming 4 $ 620,000 $ 155,000 $ 70,000
Mohave, Arizona 3 $ 347,000 $ 115,666 $ 65,000
Yavapai, Arizona 3 $ 483,000 $ 161,000 $ 46,000
Sharp, Arkansas 3 $ 122,000 $ 40,666 $ 26,000
Alameda, California 3 $ 744,000 $ 248,000 $ 378,000
Contra Costa, California 3 $ 720,000 $ 240,000 $ 94,000
San Joaquin, California 3 $ 657,000 $ 219,000 $ 415,000
Sonoma, California 3 $ 857,000 $ 285,666 $ 84,000
Ventura, California 3 $ 1,062,000 $ 354,000 $ 102,000
Park, Colorado 3 $ 571,000 $ 190,333 $ 37,000
Pueblo, Colorado 3 $ 401,000 $ 133,666 $ 42,000
Teller, Colorado 3 $ 440,000 $ 146,666 $ 12,000
Sussex, Delaware 3 $ 443,000 $ 147,666 $ 96,000
Collier, Florida 3 $ 594,000 $ 198,000 $ 198,000
Volusia, Florida 3 $ 334,000 $ 111,333 $ 32,000
Columbia, Georgia 3 $ 373,000 $ 124,333 $ 64,000
Coweta, Georgia 3 $ 300,000 $ 100,000 $ 64,000
Richmond, Georgia 3 $ 175,000 $ 58,333 $ 38,000
Canyon, Idaho 3 $ 324,000 $ 108,000 $ 37,000
Boone, Illinois 3 $ 415,000 $ 138,333 $ 46,000
Kendall, Illinois 3 $ 649,000 $ 216,333 $ 69,000
Lee, Illinois 3 $ 292,000 $ 97,333 $ 62,000
Marion, Indiana 3 $ 605,000 $ 201,666 $ 98,000
Johnson, Kansas 3 $ 411,000 $ 137,000 $ 65,000
Natchitoches, Louisiana 3 $ 327,000 $ 109,000 $ 26,000
Bristol, Massachusetts 3 $ 504,000 $ 168,000 $ 21,000
Essex, Massachusetts 3 $ 869,000 $ 289,666 $ 75,000
Shiawassee, Michigan 3 $ 424,000 $ 141,333 $ 74,000
Wayne, Michigan 3 $ 200,000 $ 66,666 $ 30,000
Washington, Mississippi 3 $ 197,000 $ 65,666 $ 34,000
Franklin, Missouri 3 $ 474,000 $ 158,000 $ 96,000
Howell, Missouri 3 $ 264,000 $ 88,000 $ 39,000
Lincoln, Missouri 3 $ 378,000 $ 126,000 $ 44,000
Lyon, Nevada 3 $ 344,000 $ 114,666 $ 40,000
Middlesex, New Jersey 3 $ 584,000 $ 194,666 $ 79,000
Warren, New Jersey 3 $ 660,000 $ 220,000 $ 99,000
Albany, New York 3 $ 394,000 $ 131,333 $ 36,000
Bronx, New York 3 $ 901,000 $ 300,333 $ 77,000
Delaware, New York 3 $ 361,000 $ 120,333 $ 75,000
Erie, New York 3 $ 260,000 $ 86,666 $ 38,000
Cumberland, North Carolina 3 $ 263,000 $ 87,666 $ 29,000
Dare, North Carolina 3 $ 1,319,000 $ 439,666 $ 300,000
Durham, North Carolina 3 $ 682,000 $ 227,333 $ 58,000
Franklin, Ohio 3 $ 364,000 $ 121,333 $ 20,000
Geauga, Ohio 3 $ 391,000 $ 130,333 $ 50,000
Summit, Ohio 3 $ 556,000 $ 185,333 $ 74,000
Dauphin, Pennsylvania 3 $ 352,000 $ 117,333 $ 82,000
Davidson, Tennessee 3 $ 436,000 $ 145,333 $ 64,000
Hamilton, Tennessee 3 $ 365,000 $ 121,666 $ 80,000
Knox, Tennessee 3 $ 372,000 $ 124,000 $ 30,000
Sevier, Tennessee 3 $ 392,000 $ 130,666 $ 49,000
Brazos, Texas 3 $ 422,000 $ 140,666 $ 59,000
Burnet, Texas 3 $ 479,000 $ 159,666 $ 54,000
Collin, Texas 3 $ 377,000 $ 125,666 $ 35,000
Dallas, Texas 3 $ 367,000 $ 122,333 $ 55,000
Midland, Texas 3 $ 359,000 $ 119,666 $ 64,000
Tarrant, Texas 3 $ 329,000 $ 109,666 $ 54,000
Webb, Texas 3 $ 191,000 $ 63,666 $ 27,000
Charlottesville, Virginia 3 $ 320,000 $ 106,666 $ 227,000
New Kent, Virginia 3 $ 490,000 $ 163,333 $ 83,000
Pierce, Washington 3 $ 397,000 $ 132,333 $ 79,000
Jefferson, Wisconsin 3 $ 422,000 $ 140,666 $ 16,000
Ozaukee, Wisconsin 3 $ 675,000 $ 225,000 $ 78,000
Walworth, Wisconsin 3 $ 731,000 $ 243,666 $ 782,000
Waushara, Wisconsin 3 $ 658,000 $ 219,333 $ 65,000
Chambers, Alabama 2 $ 144,000 $ 72,000 $ 37,000
Dale, Alabama 2 $ 156,000 $ 78,000 $ 48,000
Mobile, Alabama 2 $ 207,000 $ 103,500 $ 21,000
Russell, Alabama 2 $ 144,000 $ 72,000 $ 36,000
Pinal, Arizona 2 $ 288,000 $ 144,000 $ 46,000
Greene, Arkansas 2 $ 212,000 $ 106,000 $ 31,000
Butte, California 2 $ 440,000 $ 220,000 $ 86,000
Merced, California 2 $ 716,000 $ 358,000 $ 192,000
San Mateo, California 2 $ 629,000 $ 314,500 $ 93,000
Santa Barbara, California 2 $ 490,000 $ 245,000 $ 74,000
Stanislaus, California 2 $ 403,000 $ 201,500 $ 67,000
New Haven, Connecticut 2 $ 359,000 $ 179,500 $ 64,000
New London, Connecticut 2 $ 301,000 $ 150,500 $ 86,000
Windham, Connecticut 2 $ 208,000 $ 104,000 $ 14,000
Okaloosa, Florida 2 $ 661,000 $ 330,500 $ 203,000
Orange, Florida 2 $ 228,000 $ 114,000 $ 73,000
Sarasota, Florida 2 $ 261,000 $ 130,500 $ 42,000
Banks, Georgia 2 $ 207,000 $ 103,500 $ 50,000
Clarke, Georgia 2 $ 317,000 $ 158,500 $ 37,000
Dougherty, Georgia 2 $ 112,000 $ 56,000 $ 24,000
Gilmer, Georgia 2 $ 210,000 $ 105,000 $ 110,000
Heard, Georgia 2 $ 179,000 $ 89,500 $ 50,000
Jackson, Georgia 2 $ 261,000 $ 130,500 $ 24,000
Lowndes, Georgia 2 $ 188,000 $ 94,000 $ 40,000
Morgan, Georgia 2 $ 174,000 $ 87,000 $ 31,000
Oconee, Georgia 2 $ 163,000 $ 81,500 $ 12,000
Paulding, Georgia 2 $ 257,000 $ 128,500 $ 19,000
Talbot, Georgia 2 $ 176,000 $ 88,000 $ 15,000
Gem, Idaho 2 $ 153,000 $ 76,500 $ 39,000
Jerome, Idaho 2 $ 394,000 $ 197,000 $ 77,000
Lincoln, Idaho 2 $ 152,000 $ 76,000 $ 26,000
Champaign, Illinois 2 $ 317,000 $ 158,500 $ 83,000
Jackson, Illinois 2 $ 930,000 $ 465,000 $ 402,000
Monroe, Illinois 2 $ 252,000 $ 126,000 $ 64,000
St. Clair, Illinois 2 $ 175,000 $ 87,500 $ 64,000
Stephenson, Illinois 2 $ 118,000 $ 59,000 $ 12,000
Elkhart, Indiana 2 $ 110,000 $ 55,000 $ 54,000
Johnson, Indiana 2 $ 208,000 $ 104,000 $ 33,000
St. Charles, Louisiana 2 $ 324,000 $ 162,000 $ 47,000
Tangipahoa, Louisiana 2 $ 216,000 $ 108,000 $ 37,000
Webster, Louisiana 2 $ 205,000 $ 102,500 $ 30,000
Calvert, Maryland 2 $ 427,000 $ 213,500 $ 59,000
Dorchester, Maryland 2 $ 301,000 $ 150,500 $ 50,000
Washington, Maryland 2 $ 273,000 $ 136,500 $ 27,000
Wicomico, Maryland 2 $ 207,000 $ 103,500 $ 43,000
Barnstable, Massachusetts 2 $ 464,000 $ 232,000 $ 73,000
Plymouth, Massachusetts 2 $ 340,000 $ 170,000 $ 57,000
Calhoun, Michigan 2 $ 150,000 $ 75,000 $ 32,000
Kalamazoo, Michigan 2 $ 204,000 $ 102,000 $ 54,000
Lapeer, Michigan 2 $ 343,000 $ 171,500 $ 86,000
Oakland, Michigan 2 $ 398,000 $ 199,000 $ 107,000
Sanilac, Michigan 2 $ 156,000 $ 78,000 $ 45,000
St. Joseph, Michigan 2 $ 231,000 $ 115,500 $ 53,000
Tuscola, Michigan 2 $ 219,000 $ 109,500 $ 63,000
Humphreys, Mississippi 2 $ 153,000 $ 76,500 $ 49,000
Panola, Mississippi 2 $ 136,000 $ 68,000 $ 35,000
Pearl River, Mississippi 2 $ 120,000 $ 60,000 $ 17,000
Pontotoc, Mississippi 2 $ 158,000 $ 79,000 $ 32,000
Christian, Missouri 2 $ 235,000 $ 117,500 $ 0
Lancaster, Nebraska 2 $ 290,000 $ 145,000 $ 78,000
Sarpy, Nebraska 2 $ 468,000 $ 234,000 $ 73,000
Nye, Nevada 2 $ 225,000 $ 112,500 $ 29,000
Washoe, Nevada 2 $ 299,000 $ 149,500 $ 57,000
Passaic, New Jersey 2 $ 460,000 $ 230,000 $ 78,000
Sussex, New Jersey 2 $ 454,000 $ 227,000 $ 50,000
Bernalillo, New Mexico 2 $ 263,000 $ 131,500 $ 13,000
Dona Ana, New Mexico 2 $ 315,000 $ 157,500 $ 83,000
Orange, New York 2 $ 418,000 $ 209,000 $ 84,000
Oswego, New York 2 $ 151,000 $ 75,500 $ 40,000
Otsego, New York 2 $ 123,000 $ 61,500 $ 16,000
Harnett, North Carolina 2 $ 313,000 $ 156,500 $ 60,000
Hoke, North Carolina 2 $ 243,000 $ 121,500 $ 41,000
Lee, North Carolina 2 $ 266,000 $ 133,000 $ 45,000
New Hanover, North Carolina 2 $ 278,000 $ 139,000 $ 92,000
Pitt, North Carolina 2 $ 200,000 $ 100,000 $ 58,000
Erie, Ohio 2 $ 241,000 $ 120,500 $ 48,000
Hamilton, Ohio 2 $ 244,000 $ 122,000 $ 46,000
Lucas, Ohio 2 $ 145,000 $ 72,500 $ 0
Mahoning, Ohio 2 $ 208,000 $ 104,000 $ 41,000
Medina, Ohio 2 $ 335,000 $ 167,500 $ 73,000
Stark, Ohio 2 $ 200,000 $ 100,000 $ 42,000
Washington, Ohio 2 $ 171,000 $ 85,500 $ 60,000
Bucks, Pennsylvania 2 $ 456,000 $ 228,000 $ 102,000
Carbon, Pennsylvania 2 $ 312,000 $ 156,000 $ 69,000
Franklin, Pennsylvania 2 $ 348,000 $ 174,000 $ 87,000
Bell, Texas 2 $ 400,000 $ 200,000 $ 92,000
Ector, Texas 2 $ 289,000 $ 144,500 $ 94,000
Ellis, Texas 2 $ 265,000 $ 132,500 $ 82,000
Galveston, Texas 2 $ 338,000 $ 169,000 $ 84,000
Guadalupe, Texas 2 $ 233,000 $ 116,500 $ 45,000
McLennan, Texas 2 $ 176,000 $ 88,000 $ 55,000
Wise, Texas 2 $ 206,000 $ 103,000 $ 12,000
Utah, Utah 2 $ 253,000 $ 126,500 $ 53,000
Washington, Utah 2 $ 383,000 $ 191,500 $ 131,000
Albemarle, Virginia 2 $ 318,000 $ 159,000 $ 0
Chesapeake, Virginia 2 $ 466,000 $ 233,000 $ 76,000
Greene, Virginia 2 $ 206,000 $ 103,000 $ 0
Loudoun, Virginia 2 $ 668,000 $ 334,000 $ 0
Louisa, Virginia 2 $ 340,000 $ 170,000 $ 98,000
Northampton, Virginia 2 $ 155,000 $ 77,500 $ 25,000
Snohomish, Washington 2 $ 333,000 $ 166,500 $ 52,000
Buffalo, Wisconsin 2 $ 324,000 $ 162,000 $ 64,000
Fond du Lac, Wisconsin 2 $ 221,000 $ 110,500 $ 38,000
Juneau, Wisconsin 2 $ 211,000 $ 105,500 $ 48,000
Baldwin, Alabama 1 $ 88,000 $ 88,000 $ 31,000
Colbert, Alabama 1 $ 158,000 $ 158,000 $ 92,000
DeKalb, Alabama 1 $ 90,000 $ 90,000 $ 26,000
Etowah, Alabama 1 $ 55,000 $ 55,000 $ 29,000
Madison, Alabama 1 $ 91,000 $ 91,000 $ 0
Shelby, Alabama 1 $ 152,000 $ 152,000 $ 42,000
Gila, Arizona 1 $ 245,000 $ 245,000 $ 140,000
Cleburne, Arkansas 1 $ 140,000 $ 140,000 $ 95,000
Franklin, Arkansas 1 $ 51,000 $ 51,000 $ 35,000
Independence, Arkansas 1 $ 69,000 $ 69,000 $ 59,000
Mississippi, Arkansas 1 $ 54,000 $ 54,000 $ 22,000
El Dorado, California 1 $ 333,000 $ 333,000 $ 83,000
Kings, California 1 $ 104,000 $ 104,000 $ 364,000
Lake, California 1 $ 71,000 $ 71,000 $ 60,000
Madera, California 1 $ 195,000 $ 195,000 $ 117,000
Modoc, California 1 $ 60,000 $ 60,000 $ 52,000
Monterey, California 1 $ 275,000 $ 275,000 $ 100,000
Nevada, California 1 $ 158,000 $ 158,000 $ 36,000
San Benito, California 1 $ 200,000 $ 200,000 $ 58,000
San Luis Obispo, California 1 $ 568,000 $ 568,000 $ 0
Shasta, California 1 $ 440,000 $ 440,000 $ 136,000
Broomfield, Colorado 1 $ 496,000 $ 496,000 $ 306,000
Grand, Colorado 1 $ 300,000 $ 300,000 $ 250,000
Mesa, Colorado 1 $ 86,000 $ 86,000 $ 76,000
Morgan, Colorado 1 $ 65,000 $ 65,000 $ 177,000
Summit, Colorado 1 $ 236,000 $ 236,000 $ 49,000
Hartford, Connecticut 1 $ 235,000 $ 235,000 $ 58,000
Litchfield, Connecticut 1 $ 220,000 $ 220,000 $ 76,000
Middlesex, Connecticut 1 $ 262,000 $ 262,000 $ 108,000
Kent, Delaware 1 $ 220,000 $ 220,000 $ 64,000
Alachua, Florida 1 $ 119,000 $ 119,000 $ 66,000
Brevard, Florida 1 $ 91,000 $ 91,000 $ 44,000
Broward, Florida 1 $ 130,000 $ 130,000 $ 75,000
Citrus, Florida 1 $ 70,000 $ 70,000 $ 74,000
Clay, Florida 1 $ 63,000 $ 63,000 $ 41,000
Indian River, Florida 1 $ 129,000 $ 129,000 $ 37,000
Lee, Florida 1 $ 96,000 $ 96,000 $ 27,000
Marion, Florida 1 $ 138,000 $ 138,000 $ 0
Osceola, Florida 1 $ 116,000 $ 116,000 $ 67,000
Palm Beach, Florida 1 $ 180,000 $ 180,000 $ 0
Pasco, Florida 1 $ 80,000 $ 80,000 $ 48,000
Polk, Florida 1 $ 125,000 $ 125,000 $ 50,000
St. Johns, Florida 1 $ 122,000 $ 122,000 $ 61,000
St. Lucie, Florida 1 $ 169,000 $ 169,000 $ 68,000
Taylor, Florida 1 $ 147,000 $ 147,000 $ 180,000
Barrow, Georgia 1 $ 111,000 $ 111,000 $ 77,000
Carroll, Georgia 1 $ 113,000 $ 113,000 $ 44,000
Chatham, Georgia 1 $ 458,000 $ 458,000 $ 0
Chattooga, Georgia 1 $ 76,000 $ 76,000 $ 41,000
Effingham, Georgia 1 $ 93,000 $ 93,000 $ 75,000
Emanuel, Georgia 1 $ 138,000 $ 138,000 $ 0
Franklin, Georgia 1 $ 71,000 $ 71,000 $ 0
Gordon, Georgia 1 $ 95,000 $ 95,000 $ 0
Greene, Georgia 1 $ 334,000 $ 334,000 $ 96,000
Habersham, Georgia 1 $ 88,000 $ 88,000 $ 47,000
Haralson, Georgia 1 $ 118,000 $ 118,000 $ 57,000
Harris, Georgia 1 $ 71,000 $ 71,000 $ 24,000
Houston, Georgia 1 $ 96,000 $ 96,000 $ 47,000
Lamar, Georgia 1 $ 101,000 $ 101,000 $ 0
Lanier, Georgia 1 $ 123,000 $ 123,000 $ 44,000
Lee, Georgia 1 $ 87,000 $ 87,000 $ 28,000
Lincoln, Georgia 1 $ 111,000 $ 111,000 $ 57,000
Meriwether, Georgia 1 $ 78,000 $ 78,000 $ 23,000
Oglethorpe, Georgia 1 $ 66,000 $ 66,000 $ 29,000
Peach, Georgia 1 $ 97,000 $ 97,000 $ 23,000
Pickens, Georgia 1 $ 129,000 $ 129,000 $ 102,000
Troup, Georgia 1 $ 158,000 $ 158,000 $ 90,000
Union, Georgia 1 $ 105,000 $ 105,000 $ 42,000
Kauai, Hawaii 1 $ 288,000 $ 288,000 $ 87,000
Bonneville, Idaho 1 $ 103,000 $ 103,000 $ 43,000
Fremont, Idaho 1 $ 230,000 $ 230,000 $ 65,000
Minidoka, Idaho 1 $ 110,000 $ 110,000 $ 50,000
DeKalb, Illinois 1 $ 181,000 $ 181,000 $ 50,000
Henry, Illinois 1 $ 72,000 $ 72,000 $ 36,000
LaSalle, Illinois 1 $ 46,000 $ 46,000 $ 25,000
Madison, Illinois 1 $ 160,000 $ 160,000 $ 45,000
McLean, Illinois 1 $ 169,000 $ 169,000 $ 89,000
Ogle, Illinois 1 $ 125,000 $ 125,000 $ 42,000
Piatt, Illinois 1 $ 244,000 $ 244,000 $ 86,000
Whiteside, Illinois 1 $ 56,000 $ 56,000 $ 23,000
DeKalb, Indiana 1 $ 169,000 $ 169,000 $ 49,000
Delaware, Indiana 1 $ 82,000 $ 82,000 $ 0
Jackson, Indiana 1 $ 99,000 $ 99,000 $ 26,000
LaPorte, Indiana 1 $ 110,000 $ 110,000 $ 35,000
Steuben, Indiana 1 $ 57,000 $ 57,000 $ 15,000
Vanderburgh, Indiana 1 $ 74,000 $ 74,000 $ 32,000
Black Hawk, Iowa 1 $ 74,000 $ 74,000 $ 25,000
Dubuque, Iowa 1 $ 122,000 $ 122,000 $ 37,000
Johnson, Iowa 1 $ 117,000 $ 117,000 $ 42,000
Lee, Iowa 1 $ 134,000 $ 134,000 $ 75,000
Polk, Iowa 1 $ 83,000 $ 83,000 $ 56,000
Bourbon, Kansas 1 $ 136,000 $ 136,000 $ 70,000
Harvey, Kansas 1 $ 53,000 $ 53,000 $ 23,000
Shawnee, Kansas 1 $ 35,000 $ 35,000 $ 10,000
Wyandotte, Kansas 1 $ 70,000 $ 70,000 $ 26,000
Fayette, Kentucky 1 $ 265,000 $ 265,000 $ 125,000
Calcasieu, Louisiana 1 $ 155,000 $ 155,000 $ 86,000
Rapides, Louisiana 1 $ 94,000 $ 94,000 $ 34,000
St. John the Baptist, Louisiana 1 $ 144,000 $ 144,000 $ 61,000
St. Martin, Louisiana 1 $ 39,000 $ 39,000 $ 0
Washington, Louisiana 1 $ 156,000 $ 156,000 $ 62,000
Winn, Louisiana 1 $ 63,000 $ 63,000 $ 89,000
Cecil, Maryland 1 $ 128,000 $ 128,000 $ 43,000
Worcester, Maryland 1 $ 37,000 $ 37,000 $ 45,000
Hampden, Massachusetts 1 $ 119,000 $ 119,000 $ 0
Norfolk, Massachusetts 1 $ 301,000 $ 301,000 $ 116,000
Suffolk, Massachusetts 1 $ 286,000 $ 286,000 $ 107,000
Allegan, Michigan 1 $ 89,000 $ 89,000 $ 23,000
Alpena, Michigan 1 $ 59,000 $ 59,000 $ 15,000
Barry, Michigan 1 $ 113,000 $ 113,000 $ 30,000
Berrien, Michigan 1 $ 1,100,000 $ 1,100,000 $ 0
Eaton, Michigan 1 $ 107,000 $ 107,000 $ 30,000
Emmet, Michigan 1 $ 292,000 $ 292,000 $ 122,000
Huron, Michigan 1 $ 98,000 $ 98,000 $ 55,000
Ingham, Michigan 1 $ 138,000 $ 138,000 $ 78,000
Isabella, Michigan 1 $ 248,000 $ 248,000 $ 78,000
Kent, Michigan 1 $ 128,000 $ 128,000 $ 44,000
Mecosta, Michigan 1 $ 104,000 $ 104,000 $ 0
Monroe, Michigan 1 $ 120,000 $ 120,000 $ 45,000
Ottawa, Michigan 1 $ 188,000 $ 188,000 $ 93,000
Roscommon, Michigan 1 $ 63,000 $ 63,000 $ 33,000
Hennepin, Minnesota 1 $ 122,000 $ 122,000 $ 27,000
Ramsey, Minnesota 1 $ 215,000 $ 215,000 $ 107,000
Copiah, Mississippi 1 $ 55,000 $ 55,000 $ 29,000
DeSoto, Mississippi 1 $ 159,000 $ 159,000 $ 70,000
Forrest, Mississippi 1 $ 114,000 $ 114,000 $ 34,000
Lee, Mississippi 1 $ 91,000 $ 91,000 $ 56,000
Marshall, Mississippi 1 $ 57,000 $ 57,000 $ 99,000
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Mortgage Loan Application Detail Totals for Platinum Community Bank in 2004

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 1,989 $291,308,000 $148,857 $875,000 $61,666 $1,596,000
Refinancing 1,235 $211,454,000 $162,674 $1,100,000 $59,720 $1,478,000
Home Improvement 1 $900,000 $900,000 $900,000 $480,000 $480,000

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 2,135 $329,713,000 $152,279 $958,000 $64,116 $1,596,000
Black or African American 580 $81,101,000 $128,714 $440,000 $52,785 $240,000
Hispanic 283 $47,577,000 $149,000 $480,000 $50,517 $243,000
Not Provided 121 $21,867,000 $152,962 $875,000 $62,000 $470,000
Asian 72 $18,025,000 $250,750 $1,100,000 $63,437 $234,000
Not applicable 13 $1,999,000 $143,800 $297,000 $47,200 $96,000
American Indian or Alaskan Native 11 $1,434,000 $120,500 $278,000 $46,750 $90,000
Native Hawaiian or Other Pacific Islander 10 $1,946,000 $177,428 $384,000 $55,714 $180,000

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
FHA-insured (Federal Housing Administration) 1,557 $197,641,000 $122,700 $423,000 $44,475 $296,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,498 $282,337,000 $183,093 $1,100,000 $80,325 $1,596,000
VA-guaranteed (Veterans Administration) 170 $23,684,000 $147,884 $289,000 $47,461 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 Purchased By The Institution 3,069 $477,741,000 $155,288 $648,000 $62,444 $1,596,000
Loan Originated 132 $20,400,000 $267,300 $900,000 $66,800 $700,000
Application Denied By Financial Institution 12 $3,335,000 $357,625 $1,100,000 $135,250 $900,000
Application Withdrawn By Applicant 7 $778,000 $114,333 $152,000 $47,000 $117,000
Application Approved But Not Accepted 3 $398,000 $132,666 $184,000 $34,333 $103,000
File Closed For Incompleteness 2 $1,010,000 $505,000 $750,000 $40,500 $81,000
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
Debt-To-Income Ratio 5 $674,000 $134,800 $225,000 $30,600 $52,000
Credit History 4 $1,379,000 $434,333 $1,100,000 $23,666 $60,000
Unverifiable Information 1 $221,000 $221,000 $221,000 $71,000 $71,000
Insufficient Cash (Downpayment, Closing Cost) 1 $103,000 $103,000 $103,000 $0 $0
Credit Application Incomplete 1 $958,000 $958,000 $958,000 $900,000 $900,000
Collateral 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Platinum Community Bank's 2004 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 Platinum Community 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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