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(HMDA) records Platinum Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville-Joliet, IL | 251 | $ 49,668,000 | $ 197,880 | $ 45,000 |
| Atlanta-Sandy Springs-Marietta, GA | 141 | $ 19,766,000 | $ 140,184 | $ 59,000 |
| Milwaukee-Waukesha-West Allis, WI | 92 | $ 18,292,000 | $ 198,826 | $ 55,000 |
| Rochester, NY | 85 | $ 8,265,000 | $ 97,235 | $ 101,000 |
| Rockford, IL | 80 | $ 12,021,000 | $ 150,262 | $ 49,000 |
| Jackson, MS | 66 | $ 6,025,000 | $ 91,287 | $ 43,000 |
| Denver-Aurora, CO | 52 | $ 10,618,000 | $ 204,192 | $ 54,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 48 | $ 7,970,000 | $ 166,041 | $ 59,000 |
| Syracuse, NY | 46 | $ 5,030,000 | $ 109,347 | $ 46,000 |
| Austin-Round Rock, TX | 44 | $ 6,777,000 | $ 154,022 | $ 53,000 |
| Phoenix-Mesa-Scottsdale, AZ | 43 | $ 6,799,000 | $ 158,116 | $ 59,000 |
| Lake County-Kenosha County, IL-WI | 40 | $ 8,451,000 | $ 211,275 | $ 29,000 |
| Los Angeles-Long Beach-Glendale, CA | 37 | $ 11,427,000 | $ 308,837 | $ 48,000 |
| Madison, WI | 35 | $ 5,270,000 | $ 150,571 | $ 50,000 |
| Boise City-Nampa, ID | 32 | $ 5,127,000 | $ 160,218 | $ 34,000 |
| Joplin, MO | 32 | $ 4,592,000 | $ 143,500 | $ 48,000 |
| Gulfport-Biloxi, MS | 31 | $ 3,506,000 | $ 113,096 | $ 49,000 |
| Nassau-Suffolk, NY | 31 | $ 8,065,000 | $ 260,161 | $ 73,000 |
| Houston-Baytown-Sugar Land, TX | 29 | $ 3,910,000 | $ 134,827 | $ 28,000 |
| Springfield, MO | 28 | $ 3,529,000 | $ 126,035 | $ 56,000 |
| Nashville-Davidson--Murfreesboro, TN | 27 | $ 4,255,000 | $ 157,592 | $ 35,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 27 | $ 8,590,000 | $ 318,148 | $ 81,000 |
| New Orleans-Metairie-Kenner, LA | 25 | $ 3,141,000 | $ 125,640 | $ 48,000 |
| Baltimore-Towson, MD | 24 | $ 4,670,000 | $ 194,583 | $ 66,000 |
| Cleveland-Elyria-Mentor, OH | 24 | $ 2,686,000 | $ 111,916 | $ 49,000 |
| Richmond, VA | 23 | $ 3,807,000 | $ 165,521 | $ 24,000 |
| Kansas City, MO-KS | 21 | $ 3,883,000 | $ 184,904 | $ 62,000 |
| Fresno, CA | 20 | $ 3,313,000 | $ 165,650 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 20 | $ 3,870,000 | $ 193,500 | $ 56,000 |
| Camden, NJ | 19 | $ 2,520,000 | $ 132,631 | $ 60,000 |
| Visalia-Porterville, CA | 19 | $ 2,884,000 | $ 151,789 | $ 56,000 |
| Dallas-Plano-Irving, TX | 18 | $ 2,640,000 | $ 146,666 | $ 98,000 |
| Las Vegas-Paradise, NV | 18 | $ 3,924,000 | $ 218,000 | $ 43,000 |
| Little Rock-North Little Rock, AR | 18 | $ 2,075,000 | $ 115,277 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 3,791,000 | $ 210,611 | $ 49,000 |
| Riverside-San Bernardino-Ontario, CA | 18 | $ 4,278,000 | $ 237,666 | $ 64,000 |
| Omaha-Council Bluffs, NE-IA | 16 | $ 2,795,000 | $ 174,687 | $ 32,000 |
| Edison, NJ | 15 | $ 2,970,000 | $ 198,000 | $ 55,000 |
| San Antonio, TX | 15 | $ 1,965,000 | $ 131,000 | $ 53,000 |
| Bethesda-Frederick-Gaithersburg, MD | 14 | $ 3,747,000 | $ 267,642 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,861,000 | $ 204,357 | $ 44,000 |
| El Paso, TX | 13 | $ 1,441,000 | $ 110,846 | $ 43,000 |
| San Diego-Carlsbad-San Marcos, CA | 13 | $ 4,270,000 | $ 328,461 | $ 51,000 |
| St. Louis, MO-IL | 13 | $ 1,992,000 | $ 153,230 | $ 36,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 1,226,000 | $ 102,166 | $ 14,000 |
| Charlottesville, VA | 11 | $ 1,658,000 | $ 150,727 | $ 104,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 2,499,000 | $ 227,181 | $ 105,000 |
| Fort Worth-Arlington, TX | 11 | $ 1,992,000 | $ 181,090 | $ 85,000 |
| Jacksonville, FL | 11 | $ 1,837,000 | $ 167,000 | $ 37,000 |
| Santa Ana-Anaheim-Irvine, CA | 11 | $ 3,315,000 | $ 301,363 | $ 79,000 |
| Tulsa, OK | 11 | $ 921,000 | $ 83,727 | $ 25,000 |
| Bakersfield, CA | 10 | $ 2,035,000 | $ 203,500 | $ 88,000 |
| Janesville, WI | 10 | $ 1,121,000 | $ 112,100 | $ 38,000 |
| Modesto, CA | 10 | $ 2,429,000 | $ 242,900 | $ 48,000 |
| Cedar Rapids, IA | 9 | $ 897,000 | $ 99,666 | $ 2,000 |
| Colorado Springs, CO | 9 | $ 1,432,000 | $ 159,111 | $ 44,000 |
| New York-Wayne-White Plains, NY-NJ | 9 | $ 2,053,000 | $ 228,111 | $ 51,000 |
| Oakland-Fremont-Hayward, CA | 9 | $ 3,381,000 | $ 375,666 | $ 103,000 |
| Racine, WI | 9 | $ 1,377,000 | $ 153,000 | $ 52,000 |
| Warren-Farmington Hills-Troy, MI | 9 | $ 1,378,000 | $ 153,111 | $ 45,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,138,000 | $ 142,250 | $ 47,000 |
| Fort Collins-Loveland, CO | 8 | $ 1,620,000 | $ 202,500 | $ 65,000 |
| Greeley, CO | 8 | $ 1,571,000 | $ 196,375 | $ 42,000 |
| Green Bay, WI | 7 | $ 1,218,000 | $ 174,000 | $ 48,000 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 613,000 | $ 87,571 | $ 41,000 |
| Philadelphia, PA | 7 | $ 1,315,000 | $ 187,857 | $ 73,000 |
| Portland-Vancouver-Beaverton, OR-WA | 7 | $ 1,527,000 | $ 218,142 | $ 73,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 2,549,000 | $ 364,142 | $ 72,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,400,000 | $ 200,000 | $ 93,000 |
| Shreveport-Bossier City, LA | 7 | $ 660,000 | $ 94,285 | $ 39,000 |
| Wichita, KS | 7 | $ 862,000 | $ 123,142 | $ 59,000 |
| Bend, OR | 6 | $ 755,000 | $ 125,833 | $ 39,000 |
| Coeur D'Alene, ID | 6 | $ 817,000 | $ 136,166 | $ 43,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 2,343,000 | $ 390,500 | $ 67,000 |
| Savannah, GA | 6 | $ 867,000 | $ 144,500 | $ 81,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,150,000 | $ 191,666 | $ 57,000 |
| York-Hanover, PA | 6 | $ 823,000 | $ 137,166 | $ 34,000 |
| Albany, GA | 5 | $ 338,000 | $ 67,600 | $ 57,000 |
| Cheyenne, WY | 5 | $ 510,000 | $ 102,000 | $ 47,000 |
| Des Moines, IA | 5 | $ 537,000 | $ 107,400 | $ 34,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 753,000 | $ 150,600 | $ 34,000 |
| Gainesville, GA | 5 | $ 552,000 | $ 110,400 | $ 21,000 |
| Odessa, TX | 5 | $ 557,000 | $ 111,400 | $ 50,000 |
| Orlando, FL | 5 | $ 1,348,000 | $ 269,600 | $ 128,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 633,000 | $ 126,600 | $ 66,000 |
| Wausau, WI | 5 | $ 831,000 | $ 166,200 | $ 12,000 |
| Altoona, PA | 4 | $ 304,000 | $ 76,000 | $ 58,000 |
| Baton Rouge, LA | 4 | $ 420,000 | $ 105,000 | $ 30,000 |
| Flint, MI | 4 | $ 682,000 | $ 170,500 | $ 63,000 |
| Hattiesburg, MS | 4 | $ 397,000 | $ 99,250 | $ 53,000 |
| Naples-Marco Island, FL | 4 | $ 1,277,000 | $ 319,250 | $ 52,000 |
| New Haven-Milford, CT | 4 | $ 568,000 | $ 142,000 | $ 46,000 |
| Pascagoula, MS | 4 | $ 722,000 | $ 180,500 | $ 69,000 |
| Sarasota-Bradenton-Venice, FL | 4 | $ 957,000 | $ 239,250 | $ 152,000 |
| Sheboygan, WI | 4 | $ 674,000 | $ 168,500 | $ 65,000 |
| Stockton, CA | 4 | $ 1,079,000 | $ 269,750 | $ 143,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,439,000 | $ 359,750 | $ 57,000 |
| Atlantic City, NJ | 3 | $ 338,000 | $ 112,666 | $ 16,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 385,000 | $ 128,333 | $ 66,000 |
| Birmingham-Hoover, AL | 3 | $ 299,000 | $ 99,666 | $ 50,000 |
| Charlotte-Gastonia-Concord, NC-SC | 3 | $ 454,000 | $ 151,333 | $ 0 |
| Dayton, OH | 3 | $ 211,000 | $ 70,333 | $ 47,000 |
| Fond Du Lac, WI | 3 | $ 411,000 | $ 137,000 | $ 26,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 342,000 | $ 114,000 | $ 66,000 |
| Jackson, TN | 3 | $ 258,000 | $ 86,000 | $ 36,000 |
| Jefferson City, MO | 3 | $ 505,000 | $ 168,333 | $ 103,000 |
| Lewiston, ID-WA | 3 | $ 348,000 | $ 116,000 | $ 36,000 |
| Lexington-Fayette, KY | 3 | $ 535,000 | $ 178,333 | $ 76,000 |
| Mobile, AL | 3 | $ 225,000 | $ 75,000 | $ 41,000 |
| Newark-Union, NJ-PA | 3 | $ 878,000 | $ 292,666 | $ 20,000 |
| Parkersburg-Marietta, WV-OH | 3 | $ 202,000 | $ 67,333 | $ 33,000 |
| Reno-Sparks, NV | 3 | $ 467,000 | $ 155,666 | $ 69,000 |
| Valdosta, GA | 3 | $ 280,000 | $ 93,333 | $ 49,000 |
| Vineland-Millville-Bridgeton, NJ | 3 | $ 406,000 | $ 135,333 | $ 12,000 |
| Winchester, VA-WV | 3 | $ 630,000 | $ 210,000 | $ 86,000 |
| Winston-Salem, NC | 3 | $ 324,000 | $ 108,000 | $ 52,000 |
| Appleton, WI | 2 | $ 229,000 | $ 114,500 | $ 29,000 |
| Boulder, CO | 2 | $ 211,000 | $ 105,500 | $ 33,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 534,000 | $ 267,000 | $ 57,000 |
| Clarksville, TN-KY | 2 | $ 158,000 | $ 79,000 | $ 63,000 |
| College Station-Bryan, TX | 2 | $ 215,000 | $ 107,500 | $ 165,000 |
| Columbia, MO | 2 | $ 444,000 | $ 222,000 | $ 0 |
| Durham, NC | 2 | $ 330,000 | $ 165,000 | $ 63,000 |
| Eau Claire, WI | 2 | $ 284,000 | $ 142,000 | $ 20,000 |
| Elmira, NY | 2 | $ 261,000 | $ 130,500 | $ 83,000 |
| Grand Junction, CO | 2 | $ 322,000 | $ 161,000 | $ 64,000 |
| Greenville, NC | 2 | $ 173,000 | $ 86,500 | $ 51,000 |
| Hanford-Corcoran, CA | 2 | $ 352,000 | $ 176,000 | $ 71,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 390,000 | $ 195,000 | $ 35,000 |
| Iowa City, IA | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Johnstown, PA | 2 | $ 138,000 | $ 69,000 | $ 32,000 |
| Kalamazoo-Portage, MI | 2 | $ 214,000 | $ 107,000 | $ 11,000 |
| La Crosse, WI-MN | 2 | $ 170,000 | $ 85,000 | $ 109,000 |
| Lakeland, FL | 2 | $ 300,000 | $ 150,000 | $ 61,000 |
| Lubbock, TX | 2 | $ 201,000 | $ 100,500 | $ 42,000 |
| Manchester-Nashua, NH | 2 | $ 407,000 | $ 203,500 | $ 61,000 |
| Napa, CA | 2 | $ 539,000 | $ 269,500 | $ 57,000 |
| Ocean City, NJ | 2 | $ 323,000 | $ 161,500 | $ 34,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 806,000 | $ 403,000 | $ 41,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 383,000 | $ 191,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 881,000 | $ 440,500 | $ 211,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 620,000 | $ 310,000 | $ 102,000 |
| Sandusky, OH | 2 | $ 303,000 | $ 151,500 | $ 60,000 |
| Spokane, WA | 2 | $ 219,000 | $ 109,500 | $ 36,000 |
| Utica-Rome, NY | 2 | $ 285,000 | $ 142,500 | $ 28,000 |
| Waco, TX | 2 | $ 616,000 | $ 308,000 | $ 58,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 375,000 | $ 187,500 | $ 50,000 |
| Akron, OH | 1 | $ 102,000 | $ 102,000 | $ 31,000 |
| Albuquerque, NM | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Alexandria, LA | 1 | $ 77,000 | $ 77,000 | $ 23,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 64,000 | $ 64,000 | $ 49,000 |
| Bellingham, WA | 1 | $ 270,000 | $ 270,000 | $ 69,000 |
| Binghamton, NY | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Bowling Green, KY | 1 | $ 235,000 | $ 235,000 | $ 112,000 |
| Canton-Massillon, OH | 1 | $ 158,000 | $ 158,000 | $ 65,000 |
| Champaign-Urbana, IL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Decatur, AL | 1 | $ 127,000 | $ 127,000 | $ 58,000 |
| Dubuque, IA | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 112,000 | $ 112,000 | $ 35,000 |
| Evansville, IN-KY | 1 | $ 119,000 | $ 119,000 | $ 76,000 |
| Farmington, NM | 1 | $ 71,000 | $ 71,000 | $ 66,000 |
| Florence, SC | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Gary, IN | 1 | $ 249,000 | $ 249,000 | $ 74,000 |
| Goldsboro, NC | 1 | $ 84,000 | $ 84,000 | $ 43,000 |
| Holland-Grand Haven, MI | 1 | $ 137,000 | $ 137,000 | $ 43,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 94,000 | $ 94,000 | $ 39,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 82,000 | $ 82,000 | $ 35,000 |
| Kingston, NY | 1 | $ 168,000 | $ 168,000 | $ 35,000 |
| Lake Charles, LA | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Louisville, KY-IN | 1 | $ 244,000 | $ 244,000 | $ 95,000 |
| Lynchburg, VA | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Madera, CA | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Memphis, TN-MS-AR | 1 | $ 94,000 | $ 94,000 | $ 35,000 |
| Merced, CA | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Midland, TX | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Morristown, TN | 1 | $ 93,000 | $ 93,000 | $ 54,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 276,000 | $ 276,000 | $ 71,000 |
| Oshkosh-Neenah, WI | 1 | $ 51,000 | $ 51,000 | $ 52,000 |
| Panama City-Lynn Haven, FL | 1 | $ 319,000 | $ 319,000 | $ 147,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 101,000 | $ 101,000 | $ 49,000 |
| Peoria, IL | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 134,000 | $ 134,000 | $ 77,000 |
| Pittsburgh, PA | 1 | $ 102,000 | $ 102,000 | $ 32,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 67,000 | $ 67,000 | $ 48,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 248,000 | $ 248,000 | $ 143,000 |
| Prescott, AZ | 1 | $ 435,000 | $ 435,000 | $ 89,000 |
| Provo-Orem, UT | 1 | $ 175,000 | $ 175,000 | $ 63,000 |
| Raleigh-Cary, NC | 1 | $ 170,000 | $ 170,000 | $ 70,000 |
| Reading, PA | 1 | $ 94,000 | $ 94,000 | $ 39,000 |
| Redding, CA | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Salem, OR | 1 | $ 219,000 | $ 219,000 | $ 140,000 |
| Salinas, CA | 1 | $ 404,000 | $ 404,000 | $ 131,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Springfield, MA | 1 | $ 126,000 | $ 126,000 | $ 65,000 |
| State College, PA | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Sumter, SC | 1 | $ 80,000 | $ 80,000 | $ 33,000 |
| Tacoma, WA | 1 | $ 177,000 | $ 177,000 | $ 57,000 |
| Topeka, KS | 1 | $ 197,000 | $ 197,000 | $ 71,000 |
| Trenton-Ewing, NJ | 1 | $ 217,000 | $ 217,000 | $ 65,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 131,000 | $ 131,000 | $ 49,000 |
| Wheeling, WV-OH | 1 | $ 63,000 | $ 63,000 | $ 58,000 |
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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