Platinum Community Bank Mortgage Lending & HMDA Data, 2005

In 2005, Platinum Community Bank of Rolling Meadows, IL reported 2,630 mortgage applications totaling $439.9 million, down 18% from 2004. The average application was for $167,245, and applicants reported an average income of $52,658. 5% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (251), Atlanta-Sandy Springs-Marietta, GA (141) and Milwaukee-Waukesha-West Allis, WI (92) (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 2,630
Total Mortgage Loan Application Amount $439,856,000
Average Mortgage Loan Application Amount $167,245
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $52,658
Highest Applicant Income $972,000

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(HMDA) records Platinum Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 132 $ 22,557,000 $ 170,886 $ 46,000
Monroe, New York 67 $ 6,525,000 $ 97,388 $ 51,000
Hinds, Mississippi 54 $ 4,800,000 $ 88,888 $ 43,000
Milwaukee, Wisconsin 53 $ 6,740,000 $ 127,169 $ 38,000
Winnebago, Illinois 52 $ 6,570,000 $ 126,346 $ 45,000
Lake, Illinois 40 $ 8,451,000 $ 211,275 $ 29,000
Onondaga, New York 39 $ 4,502,000 $ 115,435 $ 56,000
Los Angeles, California 38 $ 11,691,000 $ 307,657 $ 50,000
Dane, Wisconsin 33 $ 5,040,000 $ 152,727 $ 50,000
Maricopa, Arizona 31 $ 5,138,000 $ 165,741 $ 57,000
Fulton, Georgia 30 $ 4,497,000 $ 149,900 $ 51,000
Harrison, Mississippi 30 $ 3,415,000 $ 113,833 $ 51,000
McHenry, Illinois 29 $ 5,735,000 $ 197,758 $ 50,000
Washington, Arkansas 28 $ 4,554,000 $ 162,642 $ 58,000
Boone, Illinois 28 $ 5,451,000 $ 194,678 $ 53,000
Kane, Illinois 27 $ 6,622,000 $ 245,259 $ 39,000
Suffolk, New York 27 $ 7,133,000 $ 264,185 $ 66,000
Waukesha, Wisconsin 27 $ 7,862,000 $ 291,185 $ 125,000
Will, Illinois 26 $ 6,549,000 $ 251,884 $ 45,000
Travis, Texas 25 $ 4,090,000 $ 163,600 $ 66,000
Ada, Idaho 22 $ 3,905,000 $ 177,500 $ 39,000
DuPage, Illinois 22 $ 4,791,000 $ 217,772 $ 61,000
Jasper, Missouri 22 $ 2,837,000 $ 128,954 $ 28,000
Gwinnett, Georgia 21 $ 3,248,000 $ 154,666 $ 61,000
Benton, Arkansas 20 $ 3,416,000 $ 170,800 $ 62,000
Fresno, California 20 $ 3,313,000 $ 165,650 $ 92,000
Tulare, California 19 $ 2,884,000 $ 151,789 $ 56,000
Cuyahoga, Ohio 19 $ 2,080,000 $ 109,473 $ 51,000
Sacramento, California 18 $ 6,168,000 $ 342,666 $ 81,000
Miami-Dade, Florida 18 $ 3,791,000 $ 210,611 $ 49,000
Clark, Nevada 18 $ 3,924,000 $ 218,000 $ 43,000
Henry, Georgia 17 $ 2,225,000 $ 130,882 $ 59,000
Stephenson, Illinois 17 $ 1,380,000 $ 81,176 $ 48,000
Clayton, Georgia 16 $ 1,863,000 $ 116,437 $ 74,000
Orleans, Louisiana 16 $ 1,887,000 $ 117,937 $ 50,000
Jefferson, Colorado 15 $ 2,819,000 $ 187,933 $ 55,000
Harris, Texas 15 $ 2,025,000 $ 135,000 $ 22,000
Riverside, California 14 $ 3,101,000 $ 221,500 $ 53,000
Lee, Florida 14 $ 2,861,000 $ 204,357 $ 44,000
Ocean, New Jersey 14 $ 2,770,000 $ 197,857 $ 54,000
Pulaski, Arkansas 13 $ 1,713,000 $ 131,769 $ 56,000
San Diego, California 13 $ 4,270,000 $ 328,461 $ 51,000
Polk, Missouri 13 $ 1,265,000 $ 97,307 $ 70,000
Douglas, Nebraska 13 $ 2,382,000 $ 183,230 $ 23,000
El Paso, Texas 13 $ 1,441,000 $ 110,846 $ 43,000
Williamson, Texas 13 $ 1,908,000 $ 146,769 $ 71,000
Fairfax, Virginia 13 $ 4,033,000 $ 310,230 $ 70,000
Pinal, Arizona 12 $ 1,661,000 $ 138,416 $ 61,000
Broward, Florida 12 $ 2,733,000 $ 227,750 $ 84,000
DeKalb, Georgia 12 $ 1,600,000 $ 133,333 $ 28,000
Montgomery, Maryland 12 $ 3,307,000 $ 275,583 $ 73,000
Kent, Michigan 12 $ 1,226,000 $ 102,166 $ 14,000
Virginia Beach, Virginia 12 $ 2,552,000 $ 212,666 $ 56,000
Orange, California 11 $ 3,315,000 $ 301,363 $ 79,000
Gloucester, New Jersey 11 $ 1,547,000 $ 140,636 $ 47,000
Douglas, Oregon 11 $ 1,338,000 $ 121,636 $ 54,000
Rutherford, Tennessee 11 $ 1,274,000 $ 115,818 $ 51,000
Spotsylvania, Virginia 11 $ 2,512,000 $ 228,363 $ 79,000
Kern, California 10 $ 2,035,000 $ 203,500 $ 88,000
Stanislaus, California 10 $ 2,429,000 $ 242,900 $ 48,000
Douglas, Colorado 10 $ 2,532,000 $ 253,200 $ 110,000
Cobb, Georgia 10 $ 1,467,000 $ 146,700 $ 88,000
DeKalb, Illinois 10 $ 2,342,000 $ 234,200 $ 39,000
Clay, Missouri 10 $ 1,697,000 $ 169,700 $ 84,000
Newton, Missouri 10 $ 1,755,000 $ 175,500 $ 65,000
Tulsa, Oklahoma 10 $ 857,000 $ 85,700 $ 24,000
Rock, Wisconsin 10 $ 1,121,000 $ 112,100 $ 38,000
Adams, Colorado 9 $ 1,901,000 $ 211,222 $ 49,000
El Paso, Colorado 9 $ 1,432,000 $ 159,111 $ 44,000
Baltimore, Maryland 9 $ 1,289,000 $ 143,222 $ 49,000
Greene, Missouri 9 $ 1,192,000 $ 132,444 $ 32,000
Denton, Texas 9 $ 1,523,000 $ 169,222 $ 145,000
Tarrant, Texas 9 $ 1,647,000 $ 183,000 $ 72,000
Racine, Wisconsin 9 $ 1,377,000 $ 153,000 $ 52,000
Alameda, California 8 $ 2,994,000 $ 374,250 $ 107,000
Larimer, Colorado 8 $ 1,620,000 $ 202,500 $ 65,000
Weld, Colorado 8 $ 1,571,000 $ 196,375 $ 42,000
Volusia, Florida 8 $ 1,138,000 $ 142,250 $ 47,000
Coweta, Georgia 8 $ 842,000 $ 105,250 $ 123,000
Anne Arundel, Maryland 8 $ 2,244,000 $ 280,500 $ 103,000
Livingston, New York 8 $ 719,000 $ 89,875 $ 41,000
Ontario, New York 8 $ 836,000 $ 104,500 $ 29,000
Bexar, Texas 8 $ 1,000,000 $ 125,000 $ 42,000
Fort Bend, Texas 8 $ 986,000 $ 123,250 $ 41,000
Washington, Wisconsin 8 $ 1,781,000 $ 222,625 $ 23,000
Santa Cruz, California 7 $ 2,549,000 $ 364,142 $ 72,000
Arapahoe, Colorado 7 $ 1,122,000 $ 160,285 $ 14,000
Linn, Iowa 7 $ 716,000 $ 102,285 $ 4,000
McPherson, Kansas 7 $ 571,000 $ 81,571 $ 53,000
Madison, Mississippi 7 $ 632,000 $ 90,285 $ 36,000
Deschutes, Oregon 7 $ 955,000 $ 136,428 $ 43,000
Bell, Texas 7 $ 613,000 $ 87,571 $ 41,000
Dallas, Texas 7 $ 775,000 $ 110,714 $ 42,000
Chesterfield, Virginia 7 $ 1,103,000 $ 157,571 $ 13,000
Brown, Wisconsin 7 $ 1,218,000 $ 174,000 $ 48,000
Denver, Colorado 6 $ 1,505,000 $ 250,833 $ 85,000
New Castle, Delaware 6 $ 1,150,000 $ 191,666 $ 57,000
Nassau, Florida 6 $ 950,000 $ 158,333 $ 54,000
Canyon, Idaho 6 $ 756,000 $ 126,000 $ 30,000
Kootenai, Idaho 6 $ 817,000 $ 136,166 $ 43,000
St. Tammany, Louisiana 6 $ 793,000 $ 132,166 $ 56,000
Prince George's, Maryland 6 $ 1,402,000 $ 233,666 $ 24,000
Macomb, Michigan 6 $ 761,000 $ 126,833 $ 31,000
York, Pennsylvania 6 $ 823,000 $ 137,166 $ 34,000
Wilson, Tennessee 6 $ 764,000 $ 127,333 $ 33,000
Prince William, Virginia 6 $ 1,686,000 $ 281,000 $ 82,000
Kenosha, Wisconsin 6 $ 1,119,000 $ 186,500 $ 48,000
Sauk, Wisconsin 6 $ 764,000 $ 127,333 $ 45,000
El Dorado, California 5 $ 1,311,000 $ 262,200 $ 76,000
San Bernardino, California 5 $ 1,370,000 $ 274,000 $ 74,000
Hall, Georgia 5 $ 552,000 $ 110,400 $ 21,000
Twin Falls, Idaho 5 $ 711,000 $ 142,200 $ 60,000
Kendall, Illinois 5 $ 1,072,000 $ 214,400 $ 13,000
Ogle, Illinois 5 $ 750,000 $ 150,000 $ 34,000
Harvey, Kansas 5 $ 360,000 $ 72,000 $ 41,000
Baltimore City, Maryland 5 $ 745,000 $ 149,000 $ 40,000
Wayne, Michigan 5 $ 753,000 $ 150,600 $ 34,000
Christian, Missouri 5 $ 995,000 $ 199,000 $ 41,000
St. Louis, Missouri 5 $ 899,000 $ 179,800 $ 39,000
Camden, New Jersey 5 $ 560,000 $ 112,000 $ 96,000
Oswego, New York 5 $ 366,000 $ 73,200 $ 25,000
Davidson, Tennessee 5 $ 1,428,000 $ 285,600 $ 9,000
Ector, Texas 5 $ 557,000 $ 111,400 $ 50,000
Albemarle, Virginia 5 $ 709,000 $ 141,800 $ 89,000
King, Washington 5 $ 773,000 $ 154,600 $ 93,000
Green, Wisconsin 5 $ 642,000 $ 128,400 $ 28,000
Marathon, Wisconsin 5 $ 831,000 $ 166,200 $ 12,000
Monroe, Wisconsin 5 $ 705,000 $ 141,000 $ 49,000
Laramie, Wyoming 5 $ 510,000 $ 102,000 $ 47,000
Mobile, Alabama 4 $ 322,000 $ 80,500 $ 40,000
San Joaquin, California 4 $ 1,079,000 $ 269,750 $ 143,000
Solano, California 4 $ 1,439,000 $ 359,750 $ 57,000
Eagle, Colorado 4 $ 834,000 $ 208,500 $ 48,000
New Haven, Connecticut 4 $ 568,000 $ 142,000 $ 46,000
Collier, Florida 4 $ 1,277,000 $ 319,250 $ 52,000
Orange, Florida 4 $ 1,068,000 $ 267,000 $ 127,000
Walton, Florida 4 $ 1,073,000 $ 268,250 $ 74,000
Banks, Georgia 4 $ 514,000 $ 128,500 $ 53,000
Bartow, Georgia 4 $ 460,000 $ 115,000 $ 50,000
Chatham, Georgia 4 $ 548,000 $ 137,000 $ 39,000
Dougherty, Georgia 4 $ 258,000 $ 64,500 $ 47,000
Fayette, Georgia 4 $ 937,000 $ 234,250 $ 28,000
Walton, Georgia 4 $ 586,000 $ 146,500 $ 66,000
Gem, Idaho 4 $ 466,000 $ 116,500 $ 24,000
LaSalle, Illinois 4 $ 564,000 $ 141,000 $ 65,000
Jackson, Indiana 4 $ 383,000 $ 95,750 $ 39,000
Johnson, Kansas 4 $ 986,000 $ 246,500 $ 192,000
Webster, Louisiana 4 $ 421,000 $ 105,250 $ 53,000
Charles, Maryland 4 $ 1,142,000 $ 285,500 $ 78,000
Genesee, Michigan 4 $ 682,000 $ 170,500 $ 63,000
Hennepin, Minnesota 4 $ 1,827,000 $ 456,750 $ 73,000
Jackson, Mississippi 4 $ 722,000 $ 180,500 $ 69,000
Pearl River, Mississippi 4 $ 272,000 $ 68,000 $ 33,000
Howell, Missouri 4 $ 550,000 $ 137,500 $ 54,000
Platte, Missouri 4 $ 1,085,000 $ 271,250 $ 107,000
Chenango, New York 4 $ 274,000 $ 68,500 $ 42,000
Nassau, New York 4 $ 932,000 $ 233,000 $ 97,000
Carteret, North Carolina 4 $ 385,000 $ 96,250 $ 36,000
Craven, North Carolina 4 $ 363,000 $ 90,750 $ 37,000
Lenoir, North Carolina 4 $ 301,000 $ 75,250 $ 24,000
Lorain, Ohio 4 $ 451,000 $ 112,750 $ 38,000
Blair, Pennsylvania 4 $ 304,000 $ 76,000 $ 58,000
Delaware, Pennsylvania 4 $ 789,000 $ 197,250 $ 87,000
McMinn, Tennessee 4 $ 411,000 $ 102,750 $ 50,000
Comal, Texas 4 $ 521,000 $ 130,250 $ 90,000
Charlottesville, Virginia 4 $ 765,000 $ 191,250 $ 142,000
Richmond City, Virginia 4 $ 632,000 $ 158,000 $ 34,000
Stafford, Virginia 4 $ 873,000 $ 218,250 $ 68,000
Ozaukee, Wisconsin 4 $ 1,909,000 $ 477,250 $ 0
Sheboygan, Wisconsin 4 $ 674,000 $ 168,500 $ 65,000
Walworth, Wisconsin 4 $ 1,655,000 $ 413,750 $ 25,000
Faulkner, Arkansas 3 $ 197,000 $ 65,666 $ 52,000
Modoc, California 3 $ 333,000 $ 111,000 $ 59,000
Placer, California 3 $ 890,000 $ 296,666 $ 126,000
Broomfield, Colorado 3 $ 499,000 $ 166,333 $ 83,000
Sarasota, Florida 3 $ 713,000 $ 237,666 $ 143,000
Baldwin, Georgia 3 $ 329,000 $ 109,666 $ 46,000
Lowndes, Georgia 3 $ 280,000 $ 93,333 $ 49,000
Nez Perce, Idaho 3 $ 348,000 $ 116,000 $ 36,000
Bureau, Illinois 3 $ 209,000 $ 69,666 $ 40,000
Dallas, Iowa 3 $ 370,000 $ 123,333 $ 36,000
Bossier, Louisiana 3 $ 297,000 $ 99,000 $ 41,000
Caddo, Louisiana 3 $ 286,000 $ 95,333 $ 43,000
East Baton Rouge, Louisiana 3 $ 340,000 $ 113,333 $ 40,000
Oakland, Michigan 3 $ 617,000 $ 205,666 $ 68,000
Rankin, Mississippi 3 $ 456,000 $ 152,000 $ 79,000
Camden, Missouri 3 $ 1,209,000 $ 403,000 $ 61,000
Clinton, Missouri 3 $ 341,000 $ 113,666 $ 43,000
Franklin, Missouri 3 $ 466,000 $ 155,333 $ 32,000
Jackson, Missouri 3 $ 591,000 $ 197,000 $ 24,000
Jefferson, Missouri 3 $ 387,000 $ 129,000 $ 46,000
Sarpy, Nebraska 3 $ 413,000 $ 137,666 $ 52,000
Nye, Nevada 3 $ 512,000 $ 170,666 $ 42,000
Washoe, Nevada 3 $ 467,000 $ 155,666 $ 69,000
Atlantic, New Jersey 3 $ 338,000 $ 112,666 $ 16,000
Burlington, New Jersey 3 $ 413,000 $ 137,666 $ 45,000
Cumberland, New Jersey 3 $ 406,000 $ 135,333 $ 12,000
Cayuga, New York 3 $ 291,000 $ 97,000 $ 16,000
Cortland, New York 3 $ 221,000 $ 73,666 $ 51,000
Queens, New York 3 $ 708,000 $ 236,000 $ 49,000
Iredell, North Carolina 3 $ 1,258,000 $ 419,333 $ 193,000
Mecklenburg, North Carolina 3 $ 454,000 $ 151,333 $ 0
Montgomery, Ohio 3 $ 211,000 $ 70,333 $ 47,000
Clackamas, Oregon 3 $ 502,000 $ 167,333 $ 108,000
Coos, Oregon 3 $ 370,000 $ 123,333 $ 48,000
Sumner, Tennessee 3 $ 480,000 $ 160,000 $ 57,000
Bastrop, Texas 3 $ 359,000 $ 119,666 $ 17,000
Burnet, Texas 3 $ 351,000 $ 117,000 $ 18,000
Collin, Texas 3 $ 475,000 $ 158,333 $ 177,000
Guadalupe, Texas 3 $ 444,000 $ 148,000 $ 50,000
Llano, Texas 3 $ 240,000 $ 80,000 $ 51,000
Montgomery, Texas 3 $ 537,000 $ 179,000 $ 15,000
Caroline, Virginia 3 $ 735,000 $ 245,000 $ 36,000
Henrico, Virginia 3 $ 487,000 $ 162,333 $ 0
Norfolk, Virginia 3 $ 417,000 $ 139,000 $ 55,000
Wood, West Virginia 3 $ 202,000 $ 67,333 $ 33,000
Dodge, Wisconsin 3 $ 381,000 $ 127,000 $ 32,000
Fond du Lac, Wisconsin 3 $ 411,000 $ 137,000 $ 26,000
Jefferson, Wisconsin 3 $ 393,000 $ 131,000 $ 47,000
Jefferson, Alabama 2 $ 238,000 $ 119,000 $ 53,000
Mississippi, Arkansas 2 $ 88,000 $ 44,000 $ 0
Saline, Arkansas 2 $ 165,000 $ 82,500 $ 45,000
Amador, California 2 $ 591,000 $ 295,500 $ 0
Kings, California 2 $ 352,000 $ 176,000 $ 71,000
Lassen, California 2 $ 219,000 $ 109,500 $ 58,000
Napa, California 2 $ 539,000 $ 269,500 $ 57,000
Plumas, California 2 $ 140,000 $ 70,000 $ 54,000
San Luis Obispo, California 2 $ 620,000 $ 310,000 $ 102,000
Santa Clara, California 2 $ 881,000 $ 440,500 $ 211,000
Ventura, California 2 $ 806,000 $ 403,000 $ 41,000
Boulder, Colorado 2 $ 211,000 $ 105,500 $ 33,000
Mesa, Colorado 2 $ 322,000 $ 161,000 $ 64,000
Fairfield, Connecticut 2 $ 534,000 $ 267,000 $ 57,000
District of Columbia, District Of Columbia 2 $ 375,000 $ 187,500 $ 50,000
Brevard, Florida 2 $ 383,000 $ 191,500 $ 0
Clay, Florida 2 $ 563,000 $ 281,500 $ 0
Pasco, Florida 2 $ 265,000 $ 132,500 $ 62,000
Polk, Florida 2 $ 300,000 $ 150,000 $ 61,000
Putnam, Florida 2 $ 224,000 $ 112,000 $ 44,000
Cherokee, Georgia 2 $ 324,000 $ 162,000 $ 45,000
Douglas, Georgia 2 $ 347,000 $ 173,500 $ 78,000
Floyd, Georgia 2 $ 169,000 $ 84,500 $ 22,000
Jackson, Georgia 2 $ 185,000 $ 92,500 $ 33,000
Rockdale, Georgia 2 $ 419,000 $ 209,500 $ 74,000
Spalding, Georgia 2 $ 176,000 $ 88,000 $ 131,000
Cassia, Idaho 2 $ 247,000 $ 123,500 $ 58,000
Jerome, Idaho 2 $ 261,000 $ 130,500 $ 42,000
Lee, Illinois 2 $ 130,000 $ 65,000 $ 33,000
Cedar, Iowa 2 $ 96,000 $ 48,000 $ 67,000
Polk, Iowa 2 $ 167,000 $ 83,500 $ 33,000
Wapello, Iowa 2 $ 104,000 $ 52,000 $ 0
Leavenworth, Kansas 2 $ 431,000 $ 215,500 $ 173,000
Sedgwick, Kansas 2 $ 502,000 $ 251,000 $ 132,000
Woodford, Kentucky 2 $ 345,000 $ 172,500 $ 64,000
Jefferson, Louisiana 2 $ 314,000 $ 157,000 $ 19,000
Frederick, Maryland 2 $ 440,000 $ 220,000 $ 99,000
Kalamazoo, Michigan 2 $ 214,000 $ 107,000 $ 11,000
Copiah, Mississippi 2 $ 137,000 $ 68,500 $ 21,000
Forrest, Mississippi 2 $ 147,000 $ 73,500 $ 49,000
Jones, Mississippi 2 $ 323,000 $ 161,500 $ 90,000
Lamar, Mississippi 2 $ 250,000 $ 125,000 $ 56,000
Warren, Mississippi 2 $ 224,000 $ 112,000 $ 44,000
Boone, Missouri 2 $ 444,000 $ 222,000 $ 0
Cole, Missouri 2 $ 307,000 $ 153,500 $ 107,000
Crawford, Missouri 2 $ 129,000 $ 64,500 $ 52,000
Hickory, Missouri 2 $ 335,000 $ 167,500 $ 49,000
Lawrence, Missouri 2 $ 116,000 $ 58,000 $ 21,000
Saline, Missouri 2 $ 560,000 $ 280,000 $ 152,000
Scott, Missouri 2 $ 217,000 $ 108,500 $ 24,000
Warren, Missouri 2 $ 240,000 $ 120,000 $ 23,000
Hillsborough, New Hampshire 2 $ 407,000 $ 203,500 $ 61,000
Bergen, New Jersey 2 $ 648,000 $ 324,000 $ 38,000
Cape May, New Jersey 2 $ 323,000 $ 161,500 $ 34,000
Salem, New Jersey 2 $ 347,000 $ 173,500 $ 78,000
Chemung, New York 2 $ 261,000 $ 130,500 $ 83,000
Kings, New York 2 $ 159,000 $ 79,500 $ 30,000
Madison, New York 2 $ 162,000 $ 81,000 $ 44,000
Oneida, New York 2 $ 285,000 $ 142,500 $ 28,000
Wayne, New York 2 $ 185,000 $ 92,500 $ 518,000
Westchester, New York 2 $ 689,000 $ 344,500 $ 30,000
Caldwell, North Carolina 2 $ 204,000 $ 102,000 $ 43,000
Harnett, North Carolina 2 $ 273,000 $ 136,500 $ 38,000
Pitt, North Carolina 2 $ 173,000 $ 86,500 $ 51,000
Erie, Ohio 2 $ 303,000 $ 151,500 $ 60,000
Wayne, Ohio 2 $ 186,000 $ 93,000 $ 30,000
Jefferson, Oregon 2 $ 329,000 $ 164,500 $ 49,000
Yamhill, Oregon 2 $ 316,000 $ 158,000 $ 0
Cambria, Pennsylvania 2 $ 138,000 $ 69,000 $ 32,000
Madison, Tennessee 2 $ 162,000 $ 81,000 $ 44,000
Montgomery, Tennessee 2 $ 158,000 $ 79,000 $ 63,000
Sevier, Tennessee 2 $ 270,000 $ 135,000 $ 75,000
Brazoria, Texas 2 $ 227,000 $ 113,500 $ 50,000
Brazos, Texas 2 $ 215,000 $ 107,500 $ 165,000
Fannin, Texas 2 $ 89,000 $ 44,500 $ 30,000
Hays, Texas 2 $ 240,000 $ 120,000 $ 0
Lubbock, Texas 2 $ 201,000 $ 100,500 $ 42,000
McLennan, Texas 2 $ 616,000 $ 308,000 $ 58,000
Alexandria, Virginia 2 $ 535,000 $ 267,500 $ 31,000
Chesapeake, Virginia 2 $ 385,000 $ 192,500 $ 51,000
Dinwiddie, Virginia 2 $ 231,000 $ 115,500 $ 0
Fauquier, Virginia 2 $ 390,000 $ 195,000 $ 19,000
Floyd, Virginia 2 $ 171,000 $ 85,500 $ 0
Fluvanna, Virginia 2 $ 184,000 $ 92,000 $ 81,000
Frederick, Virginia 2 $ 328,000 $ 164,000 $ 56,000
Manassas, Virginia 2 $ 200,000 $ 100,000 $ 59,000
Staunton, Virginia 2 $ 277,000 $ 138,500 $ 177,000
Suffolk, Virginia 2 $ 441,000 $ 220,500 $ 64,000
Asotin, Washington 2 $ 198,000 $ 99,000 $ 33,000
Pierce, Washington 2 $ 328,000 $ 164,000 $ 47,000
Snohomish, Washington 2 $ 627,000 $ 313,500 $ 94,000
Spokane, Washington 2 $ 219,000 $ 109,500 $ 36,000
Jackson, West Virginia 2 $ 197,000 $ 98,500 $ 35,000
Ashland, Wisconsin 2 $ 316,000 $ 158,000 $ 0
Chippewa, Wisconsin 2 $ 284,000 $ 142,000 $ 20,000
Juneau, Wisconsin 2 $ 324,000 $ 162,000 $ 39,000
La Crosse, Wisconsin 2 $ 170,000 $ 85,000 $ 109,000
Outagamie, Wisconsin 2 $ 229,000 $ 114,500 $ 29,000
Morgan, Alabama 1 $ 127,000 $ 127,000 $ 58,000
Walker, Alabama 1 $ 61,000 $ 61,000 $ 44,000
Cochise, Arizona 1 $ 121,000 $ 121,000 $ 56,000
Yavapai, Arizona 1 $ 435,000 $ 435,000 $ 89,000
Jefferson, Arkansas 1 $ 134,000 $ 134,000 $ 77,000
Johnson, Arkansas 1 $ 103,000 $ 103,000 $ 0
Contra Costa, California 1 $ 387,000 $ 387,000 $ 77,000
Humboldt, California 1 $ 165,000 $ 165,000 $ 0
Lake, California 1 $ 208,000 $ 208,000 $ 0
Madera, California 1 $ 275,000 $ 275,000 $ 145,000
Merced, California 1 $ 169,000 $ 169,000 $ 0
Monterey, California 1 $ 404,000 $ 404,000 $ 131,000
Nevada, California 1 $ 395,000 $ 395,000 $ 0
Shasta, California 1 $ 225,000 $ 225,000 $ 68,000
Sonoma, California 1 $ 500,000 $ 500,000 $ 0
Tehama, California 1 $ 166,000 $ 166,000 $ 61,000
Yolo, California 1 $ 221,000 $ 221,000 $ 0
Clear Creek, Colorado 1 $ 122,000 $ 122,000 $ 0
Grand, Colorado 1 $ 290,000 $ 290,000 $ 0
Park, Colorado 1 $ 118,000 $ 118,000 $ 0
Summit, Colorado 1 $ 670,000 $ 670,000 $ 0
Hartford, Connecticut 1 $ 204,000 $ 204,000 $ 70,000
Litchfield, Connecticut 1 $ 70,000 $ 70,000 $ 33,000
Middlesex, Connecticut 1 $ 186,000 $ 186,000 $ 0
Baker, Florida 1 $ 141,000 $ 141,000 $ 45,000
Bay, Florida 1 $ 319,000 $ 319,000 $ 147,000
Citrus, Florida 1 $ 58,000 $ 58,000 $ 20,000
Duval, Florida 1 $ 79,000 $ 79,000 $ 0
Glades, Florida 1 $ 96,000 $ 96,000 $ 31,000
Hernando, Florida 1 $ 132,000 $ 132,000 $ 100,000
Hillsborough, Florida 1 $ 138,000 $ 138,000 $ 68,000
Manatee, Florida 1 $ 244,000 $ 244,000 $ 182,000
Pinellas, Florida 1 $ 98,000 $ 98,000 $ 38,000
Santa Rosa, Florida 1 $ 101,000 $ 101,000 $ 49,000
Seminole, Florida 1 $ 280,000 $ 280,000 $ 131,000
St. Johns, Florida 1 $ 104,000 $ 104,000 $ 63,000
St. Lucie, Florida 1 $ 67,000 $ 67,000 $ 48,000
Ben Hill, Georgia 1 $ 95,000 $ 95,000 $ 36,000
Bryan, Georgia 1 $ 150,000 $ 150,000 $ 66,000
Butts, Georgia 1 $ 115,000 $ 115,000 $ 39,000
Carroll, Georgia 1 $ 117,000 $ 117,000 $ 0
Columbia, Georgia 1 $ 205,000 $ 205,000 $ 131,000
Effingham, Georgia 1 $ 169,000 $ 169,000 $ 180,000
Forsyth, Georgia 1 $ 213,000 $ 213,000 $ 0
Franklin, Georgia 1 $ 102,000 $ 102,000 $ 34,000
Heard, Georgia 1 $ 43,000 $ 43,000 $ 222,000
Jasper, Georgia 1 $ 93,000 $ 93,000 $ 0
McDuffie, Georgia 1 $ 86,000 $ 86,000 $ 27,000
Meriwether, Georgia 1 $ 83,000 $ 83,000 $ 26,000
Newton, Georgia 1 $ 111,000 $ 111,000 $ 29,000
Putnam, Georgia 1 $ 40,000 $ 40,000 $ 33,000
Randolph, Georgia 1 $ 40,000 $ 40,000 $ 35,000
Richmond, Georgia 1 $ 94,000 $ 94,000 $ 40,000
Terrell, Georgia 1 $ 80,000 $ 80,000 $ 87,000
Tift, Georgia 1 $ 85,000 $ 85,000 $ 59,000
Wayne, Georgia 1 $ 76,000 $ 76,000 $ 29,000
White, Georgia 1 $ 74,000 $ 74,000 $ 25,000
Wilkinson, Georgia 1 $ 93,000 $ 93,000 $ 51,000
Clearwater, Idaho 1 $ 112,000 $ 112,000 $ 42,000
Champaign, Illinois 1 $ 125,000 $ 125,000 $ 0
Henry, Illinois 1 $ 27,000 $ 27,000 $ 17,000
Jo Daviess, Illinois 1 $ 76,000 $ 76,000 $ 32,000
McLean, Illinois 1 $ 124,000 $ 124,000 $ 0
St. Clair, Illinois 1 $ 138,000 $ 138,000 $ 72,000
Woodford, Illinois 1 $ 357,000 $ 357,000 $ 0
Elkhart, Indiana 1 $ 112,000 $ 112,000 $ 35,000
Porter, Indiana 1 $ 249,000 $ 249,000 $ 74,000
Warrick, Indiana 1 $ 119,000 $ 119,000 $ 76,000
Benton, Iowa 1 $ 57,000 $ 57,000 $ 0
Black Hawk, Iowa 1 $ 131,000 $ 131,000 $ 49,000
Cerro Gordo, Iowa 1 $ 106,000 $ 106,000 $ 48,000
Delaware, Iowa 1 $ 57,000 $ 57,000 $ 72,000
Des Moines, Iowa 1 $ 53,000 $ 53,000 $ 0
Dubuque, Iowa 1 $ 76,000 $ 76,000 $ 0
Jasper, Iowa 1 $ 109,000 $ 109,000 $ 84,000
Johnson, Iowa 1 $ 274,000 $ 274,000 $ 0
Jones, Iowa 1 $ 124,000 $ 124,000 $ 0
Marshall, Iowa 1 $ 104,000 $ 104,000 $ 47,000
Mills, Iowa 1 $ 96,000 $ 96,000 $ 0
O'Brien, Iowa 1 $ 53,000 $ 53,000 $ 0
Washington, Iowa 1 $ 106,000 $ 106,000 $ 0
Ellsworth, Kansas 1 $ 40,000 $ 40,000 $ 86,000
Jefferson, Kansas 1 $ 197,000 $ 197,000 $ 71,000
Wyandotte, Kansas 1 $ 76,000 $ 76,000 $ 26,000
Jefferson, Kentucky 1 $ 244,000 $ 244,000 $ 95,000
Scott, Kentucky 1 $ 190,000 $ 190,000 $ 100,000
Warren, Kentucky 1 $ 235,000 $ 235,000 $ 112,000
Calcasieu, Louisiana 1 $ 68,000 $ 68,000 $ 26,000
Claiborne, Louisiana 1 $ 92,000 $ 92,000 $ 37,000
De Soto, Louisiana 1 $ 77,000 $ 77,000 $ 30,000
Lafourche, Louisiana 1 $ 94,000 $ 94,000 $ 39,000
Livingston, Louisiana 1 $ 80,000 $ 80,000 $ 0
Rapides, Louisiana 1 $ 77,000 $ 77,000 $ 23,000
St. John the Baptist, Louisiana 1 $ 147,000 $ 147,000 $ 73,000
Kennebec, Maine 1 $ 212,000 $ 212,000 $ 0
Harford, Maryland 1 $ 248,000 $ 248,000 $ 60,000
Howard, Maryland 1 $ 144,000 $ 144,000 $ 84,000
Hampden, Massachusetts 1 $ 126,000 $ 126,000 $ 65,000
Nantucket, Massachusetts 1 $ 700,000 $ 700,000 $ 0
Ottawa, Michigan 1 $ 137,000 $ 137,000 $ 43,000
Anoka, Minnesota 1 $ 300,000 $ 300,000 $ 108,000
Houston, Minnesota 1 $ 268,000 $ 268,000 $ 96,000
Wright, Minnesota 1 $ 216,000 $ 216,000 $ 0
Adams, Mississippi 1 $ 60,000 $ 60,000 $ 72,000
Bolivar, Mississippi 1 $ 175,000 $ 175,000 $ 56,000
Grenada, Mississippi 1 $ 82,000 $ 82,000 $ 38,000
Hancock, Mississippi 1 $ 91,000 $ 91,000 $ 35,000
Jefferson, Mississippi 1 $ 99,000 $ 99,000 $ 140,000
Lee, Mississippi 1 $ 87,000 $ 87,000 $ 34,000
Lowndes, Mississippi 1 $ 59,000 $ 59,000 $ 30,000
Panola, Mississippi 1 $ 68,000 $ 68,000 $ 25,000
Pike, Mississippi 1 $ 124,000 $ 124,000 $ 33,000
Smith, Mississippi 1 $ 114,000 $ 114,000 $ 56,000
Washington, Mississippi 1 $ 32,000 $ 32,000 $ 10,000
Webster, Mississippi 1 $ 39,000 $ 39,000 $ 25,000
Barton, Missouri 1 $ 50,000 $ 50,000 $ 24,000
Cape Girardeau, Missouri 1 $ 328,000 $ 328,000 $ 240,000
Dallas, Missouri 1 $ 77,000 $ 77,000 $ 144,000
McDonald, Missouri 1 $ 77,000 $ 77,000 $ 0
Miller, Missouri 1 $ 100,000 $ 100,000 $ 0
Morgan, Missouri 1 $ 332,000 $ 332,000 $ 0
Oregon, Missouri 1 $ 137,000 $ 137,000 $ 0
Osage, Missouri 1 $ 198,000 $ 198,000 $ 94,000
Ray, Missouri 1 $ 169,000 $ 169,000 $ 68,000
Ravalli, Montana 1 $ 525,000 $ 525,000 $ 0
White Pine, Nevada 1 $ 70,000 $ 70,000 $ 114,000
Merrimack, New Hampshire 1 $ 312,000 $ 312,000 $ 111,000
Essex, New Jersey 1 $ 491,000 $ 491,000 $ 0
Hudson, New Jersey 1 $ 405,000 $ 405,000 $ 109,000
Mercer, New Jersey 1 $ 217,000 $ 217,000 $ 65,000
Monmouth, New Jersey 1 $ 200,000 $ 200,000 $ 61,000
Morris, New Jersey 1 $ 225,000 $ 225,000 $ 0
Union, New Jersey 1 $ 162,000 $ 162,000 $ 60,000
Bernalillo, New Mexico 1 $ 77,000 $ 77,000 $ 32,000
Lincoln, New Mexico 1 $ 59,000 $ 59,000 $ 0
San Juan, New Mexico 1 $ 71,000 $ 71,000 $ 66,000
Allegany, New York 1 $ 49,000 $ 49,000 $ 65,000
Bronx, New York 1 $ 312,000 $ 312,000 $ 90,000
Broome, New York 1 $ 92,000 $ 92,000 $ 0
Essex, New York 1 $ 78,000 $ 78,000 $ 73,000
Franklin, New York 1 $ 50,000 $ 50,000 $ 91,000
Genesee, New York 1 $ 84,000 $ 84,000 $ 73,000
Orange, New York 1 $ 248,000 $ 248,000 $ 143,000
Otsego, New York 1 $ 55,000 $ 55,000 $ 34,000
Richmond, New York 1 $ 185,000 $ 185,000 $ 85,000
St. Lawrence, New York 1 $ 47,000 $ 47,000 $ 60,000
Steuben, New York 1 $ 40,000 $ 40,000 $ 62,000
Ulster, New York 1 $ 168,000 $ 168,000 $ 35,000
Catawba, North Carolina 1 $ 138,000 $ 138,000 $ 90,000
Davie, North Carolina 1 $ 147,000 $ 147,000 $ 50,000
Durham, North Carolina 1 $ 80,000 $ 80,000 $ 0
Forsyth, North Carolina 1 $ 110,000 $ 110,000 $ 78,000
Johnston, North Carolina 1 $ 170,000 $ 170,000 $ 70,000
Orange, North Carolina 1 $ 250,000 $ 250,000 $ 126,000
Pamlico, North Carolina 1 $ 104,000 $ 104,000 $ 32,000
Pasquotank, North Carolina 1 $ 72,000 $ 72,000 $ 80,000
Stokes, North Carolina 1 $ 67,000 $ 67,000 $ 28,000
Wayne, North Carolina 1 $ 84,000 $ 84,000 $ 43,000
Wilson, North Carolina 1 $ 139,000 $ 139,000 $ 80,000
Ashtabula, Ohio 1 $ 96,000 $ 96,000 $ 37,000
Champaign, Ohio 1 $ 96,000 $ 96,000 $ 42,000
Highland, Ohio 1 $ 136,000 $ 136,000 $ 47,000
Medina, Ohio 1 $ 155,000 $ 155,000 $ 72,000
Stark, Ohio 1 $ 158,000 $ 158,000 $ 65,000
Summit, Ohio 1 $ 102,000 $ 102,000 $ 31,000
Warren, Ohio 1 $ 85,000 $ 85,000 $ 33,000
Rogers, Oklahoma 1 $ 64,000 $ 64,000 $ 29,000
Stephens, Oklahoma 1 $ 65,000 $ 65,000 $ 50,000
Klamath, Oregon 1 $ 147,000 $ 147,000 $ 46,000
Linn, Oregon 1 $ 163,000 $ 163,000 $ 63,000
Multnomah, Oregon 1 $ 359,000 $ 359,000 $ 141,000
Polk, Oregon 1 $ 219,000 $ 219,000 $ 140,000
Washington, Oregon 1 $ 350,000 $ 350,000 $ 81,000
Allegheny, Pennsylvania 1 $ 102,000 $ 102,000 $ 32,000
Berks, Pennsylvania 1 $ 94,000 $ 94,000 $ 39,000
Bucks, Pennsylvania 1 $ 228,000 $ 228,000 $ 69,000
Centre, Pennsylvania 1 $ 61,000 $ 61,000 $ 31,000
Lackawanna, Pennsylvania 1 $ 149,000 $ 149,000 $ 0
Lehigh, Pennsylvania 1 $ 64,000 $ 64,000 $ 49,000
Montgomery, Pennsylvania 1 $ 165,000 $ 165,000 $ 96,000
Philadelphia, Pennsylvania 1 $ 133,000 $ 133,000 $ 0
Somerset, Pennsylvania 1 $ 174,000 $ 174,000 $ 74,000
Beaufort, South Carolina 1 $ 303,000 $ 303,000 $ 145,000
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Mortgage Loan Application Detail Totals for Platinum Community 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 1,816 $282,725,000 $157,558 $836,000 $53,093 $972,000
Refinancing 814 $157,131,000 $189,804 $1,500,000 $52,292 $437,000
Home Improvement 0 $0 $0 $0 $0 $0

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 1,770 $298,931,000 $177,840 $1,500,000 $58,863 $972,000
Black or African American 334 $43,766,000 $140,250 $520,000 $47,000 $267,000
Hispanic 328 $56,660,000 $146,741 $559,000 $37,612 $164,000
Not Provided 92 $16,054,000 $158,153 $636,000 $48,269 $182,000
Asian 86 $19,957,000 $215,411 $584,000 $43,470 $204,000
Native Hawaiian or Other Pacific Islander 8 $2,344,000 $220,750 $638,000 $50,250 $95,000
Not applicable 8 $1,587,000 $180,714 $352,000 $72,571 $196,000
American Indian or Alaskan Native 4 $557,000 $146,000 $218,000 $43,000 $88,000

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) 1,792 $338,377,000 $194,022 $1,500,000 $50,644 $763,000
FHA-insured (Federal Housing Administration) 731 $85,581,000 $125,375 $405,000 $50,687 $972,000
VA-guaranteed (Veterans Administration) 107 $15,898,000 $159,764 $369,000 $55,764 $136,000
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 2,465 $408,832,000 $166,311 $1,500,000 $51,111 $972,000
Loan Originated 133 $25,182,000 $293,571 $1,000,000 $50,857 $507,000
Application Denied By Financial Institution 29 $5,565,000 $221,125 $750,000 $50,125 $300,000
Application Withdrawn By Applicant 3 $277,000 $92,333 $109,000 $42,000 $66,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
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 12 $1,883,000 $151,142 $352,000 $76,285 $132,000
Collateral 8 $1,536,000 $180,200 $650,000 $34,200 $300,000
Debt-To-Income Ratio 5 $496,000 $102,000 $162,000 $26,666 $32,000
Other 2 $943,000 $471,500 $750,000 $57,500 $115,000
Unverifiable Information 1 $560,000 $560,000 $560,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 1 $147,000 $147,000 $147,000 $50,000 $50,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Platinum Community 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 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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