Platinum Community Bank Mortgage Lending & HMDA Data, 2006
In 2006, Platinum Community Bank of Rolling Meadows, IL reported 2,982 mortgage applications totaling $501.5 million, up 13% from 2005. The average application was for $168,180, and applicants reported an average income of $73,517. 15% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (252), Atlanta-Sandy Springs-Marietta, GA (185) and Milwaukee-Waukesha-West Allis, WI (124) (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 | 2,982 |
| Total Mortgage Loan Application Amount | $501,514,000 |
| Average Mortgage Loan Application Amount | $168,180 |
| Highest Mortgage Loan Application Amount | $1,523,000 |
| Average Applicant Income | $73,517 |
| Highest Applicant Income | $1,500,000 |
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(HMDA) records Platinum Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 252 | $ 51,827,000 | $ 205,662 | $ 50,000 |
| Atlanta-Sandy Springs-Marietta, GA | 185 | $ 21,306,000 | $ 115,167 | $ 76,000 |
| Milwaukee-Waukesha-West Allis, WI | 124 | $ 18,411,000 | $ 148,475 | $ 62,000 |
| Houston-Sugar Land-Baytown, TX | 97 | $ 10,580,000 | $ 109,072 | $ 134,000 |
| San Diego-Carlsbad-San Marcos, CA | 97 | $ 31,523,000 | $ 324,979 | $ 82,000 |
| Rockford, IL | 93 | $ 11,526,000 | $ 123,935 | $ 52,000 |
| Las Vegas-Paradise, NV | 78 | $ 15,851,000 | $ 203,217 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 76 | $ 18,409,000 | $ 242,223 | $ 87,000 |
| Los Angeles-Long Beach-Glendale, CA | 63 | $ 18,935,000 | $ 300,555 | $ 73,000 |
| Lake County-Kenosha County, IL-WI | 58 | $ 10,455,000 | $ 180,258 | $ 47,793 |
| Austin-Round Rock, TX | 55 | $ 8,744,000 | $ 158,981 | $ 48,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 54 | $ 8,888,000 | $ 164,592 | $ 33,000 |
| El Paso, TX | 52 | $ 4,553,000 | $ 87,557 | $ 63,000 |
| Dallas-Plano-Irving, TX | 49 | $ 5,259,000 | $ 107,326 | $ 98,000 |
| Springfield, MO | 49 | $ 5,531,000 | $ 112,877 | $ 65,000 |
| Madison, WI | 48 | $ 6,346,000 | $ 132,208 | $ 62,000 |
| Omaha-Council Bluffs, NE-IA | 46 | $ 5,679,000 | $ 123,456 | $ 45,782 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 43 | $ 12,660,000 | $ 294,418 | $ 74,627 |
| Little Rock-North Little Rock, AR | 41 | $ 6,894,000 | $ 168,146 | $ 70,000 |
| Richmond, VA | 39 | $ 4,945,000 | $ 126,794 | $ 61,000 |
| New York-White Plains-Wayne, NY-NJ | 35 | $ 12,868,000 | $ 367,657 | $ 80,457 |
| Kansas City, MO-KS | 34 | $ 6,538,000 | $ 192,294 | $ 41,941 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 4,903,000 | $ 153,218 | $ 24,000 |
| St. Louis, MO-IL | 31 | $ 4,591,000 | $ 148,096 | $ 51,290 |
| Fort Worth-Arlington, TX | 30 | $ 2,252,000 | $ 75,066 | $ 129,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 5,221,000 | $ 174,033 | $ 123,000 |
| Nassau-Suffolk, NY | 26 | $ 7,339,000 | $ 282,269 | $ 69,000 |
| Ogden-Clearfield, UT | 25 | $ 2,347,000 | $ 93,880 | $ 89,000 |
| Charlotte-Gastonia-Concord, NC-SC | 24 | $ 2,498,000 | $ 104,083 | $ 99,000 |
| Denver-Aurora, CO | 24 | $ 4,048,000 | $ 168,666 | $ 66,000 |
| Provo-Orem, UT | 24 | $ 2,695,000 | $ 112,291 | $ 101,000 |
| Savannah, GA | 23 | $ 2,299,000 | $ 99,956 | $ 70,000 |
| Nashville-Davidson--Murfreesboro, TN | 21 | $ 3,553,000 | $ 169,190 | $ 41,000 |
| Orlando-Kissimmee, FL | 21 | $ 4,075,000 | $ 194,047 | $ 15,000 |
| Santa Ana-Anaheim-Irvine, CA | 21 | $ 9,425,000 | $ 448,809 | $ 94,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 4,668,000 | $ 245,684 | $ 79,000 |
| Tacoma, WA | 17 | $ 2,094,000 | $ 123,176 | $ 111,000 |
| Wausau, WI | 16 | $ 2,243,000 | $ 140,187 | $ 28,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 3,375,000 | $ 225,000 | $ 124,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 3,142,000 | $ 209,466 | $ 458,000 |
| Oklahoma City, OK | 15 | $ 1,486,000 | $ 99,066 | $ 25,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 15 | $ 4,320,000 | $ 288,000 | $ 130,000 |
| Tulsa, OK | 15 | $ 1,181,000 | $ 78,733 | $ 48,000 |
| Cedar Rapids, IA | 14 | $ 1,261,000 | $ 90,071 | $ 68,000 |
| Janesville, WI | 14 | $ 1,517,000 | $ 108,357 | $ 22,000 |
| San Antonio, TX | 14 | $ 1,918,000 | $ 137,000 | $ 38,000 |
| Edison, NJ | 13 | $ 3,235,000 | $ 248,846 | $ 76,000 |
| Portland-Vancouver-Beaverton, OR-WA | 13 | $ 1,758,000 | $ 135,230 | $ 143,076 |
| Colorado Springs, CO | 12 | $ 1,503,000 | $ 125,250 | $ 76,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,268,000 | $ 189,000 | $ 22,000 |
| Baton Rouge, LA | 11 | $ 1,601,000 | $ 145,545 | $ 34,000 |
| Columbus, OH | 11 | $ 973,000 | $ 88,454 | $ 35,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 1,892,000 | $ 172,000 | $ 65,000 |
| Syracuse, NY | 11 | $ 1,210,000 | $ 110,000 | $ 32,000 |
| Davenport-Moline-Rock Island, IA-IL | 10 | $ 527,000 | $ 52,700 | $ 120,600 |
| Joplin, MO | 10 | $ 1,334,000 | $ 133,400 | $ 16,000 |
| Sarasota-Bradenton-Venice, FL | 10 | $ 2,179,000 | $ 217,900 | $ 25,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 10 | $ 2,506,000 | $ 250,600 | $ 53,000 |
| Eau Claire, WI | 9 | $ 1,313,000 | $ 145,888 | $ 54,000 |
| Racine, WI | 9 | $ 993,000 | $ 110,333 | $ 32,000 |
| Boise City-Nampa, ID | 8 | $ 1,050,000 | $ 131,250 | $ 72,000 |
| Boulder, CO | 8 | $ 2,066,000 | $ 258,250 | $ 45,000 |
| Greensboro-High Point, NC | 8 | $ 609,000 | $ 76,125 | $ 143,000 |
| Memphis, TN-MS-AR | 8 | $ 1,030,000 | $ 128,750 | $ 160,625 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 1,272,000 | $ 159,000 | $ 60,000 |
| Rochester, NY | 8 | $ 865,000 | $ 108,125 | $ 32,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 2,028,000 | $ 253,500 | $ 52,000 |
| St. George, UT | 8 | $ 1,541,000 | $ 192,625 | $ 149,000 |
| Fort Smith, AR-OK | 7 | $ 1,100,000 | $ 157,142 | $ 14,000 |
| Newark-Union, NJ-PA | 7 | $ 1,639,000 | $ 234,142 | $ 68,000 |
| Salt Lake City, UT | 7 | $ 884,000 | $ 126,285 | $ 59,000 |
| Appleton, WI | 6 | $ 729,000 | $ 121,500 | $ 28,000 |
| Baltimore-Towson, MD | 6 | $ 675,000 | $ 112,500 | $ 50,000 |
| Bend, OR | 6 | $ 1,080,000 | $ 180,000 | $ 46,000 |
| Charleston-North Charleston, SC | 6 | $ 420,000 | $ 70,000 | $ 152,000 |
| El Centro, CA | 6 | $ 1,054,000 | $ 175,666 | $ 285,000 |
| Fort Collins-Loveland, CO | 6 | $ 995,000 | $ 165,833 | $ 110,000 |
| Jacksonville, FL | 6 | $ 757,000 | $ 126,166 | $ 59,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,615,000 | $ 435,833 | $ 100,000 |
| Pocatello, ID | 6 | $ 863,000 | $ 143,833 | $ 1,500,000 |
| Sheboygan, WI | 6 | $ 546,000 | $ 91,000 | $ 50,000 |
| Spokane, WA | 6 | $ 500,000 | $ 83,333 | $ 118,000 |
| Tucson, AZ | 6 | $ 772,000 | $ 128,666 | $ 76,000 |
| Bakersfield, CA | 5 | $ 693,000 | $ 138,600 | $ 110,000 |
| Bremerton-Silverdale, WA | 5 | $ 783,000 | $ 156,600 | $ 110,000 |
| Camden, NJ | 5 | $ 868,000 | $ 173,600 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 753,000 | $ 150,600 | $ 33,000 |
| Gary, IN | 5 | $ 338,000 | $ 67,600 | $ 35,000 |
| Indianapolis-Carmel, IN | 5 | $ 609,000 | $ 121,800 | $ 29,000 |
| Kennewick-Richland-Pasco, WA | 5 | $ 504,000 | $ 100,800 | $ 42,000 |
| Lakeland, FL | 5 | $ 1,015,000 | $ 203,000 | $ 17,000 |
| Modesto, CA | 5 | $ 1,123,000 | $ 224,600 | $ 31,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 206,000 | $ 51,500 | $ 107,000 |
| Coeur D'Alene, ID | 4 | $ 650,000 | $ 162,500 | $ 58,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 647,000 | $ 161,750 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 446,000 | $ 111,500 | $ 52,000 |
| Harrisonburg, VA | 4 | $ 276,000 | $ 69,000 | $ 86,000 |
| Lubbock, TX | 4 | $ 353,000 | $ 88,250 | $ 106,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 627,000 | $ 156,750 | $ 13,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 639,000 | $ 159,750 | $ 110,000 |
| Bethesda-Gaithersburg-Frederick, MD | 3 | $ 538,000 | $ 179,333 | $ 75,000 |
| Dayton, OH | 3 | $ 531,000 | $ 177,000 | $ 44,000 |
| Gainesville, GA | 3 | $ 272,000 | $ 90,666 | $ 55,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 297,000 | $ 99,000 | $ 9,000 |
| Iowa City, IA | 3 | $ 445,000 | $ 148,333 | $ 30,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 308,000 | $ 102,666 | $ 0 |
| Oakland-Fremont-Hayward, CA | 3 | $ 975,000 | $ 325,000 | $ 45,000 |
| Oshkosh-Neenah, WI | 3 | $ 275,000 | $ 91,666 | $ 29,000 |
| Raleigh-Cary, NC | 3 | $ 304,000 | $ 101,333 | $ 101,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 950,000 | $ 316,666 | $ 168,000 |
| Stockton, CA | 3 | $ 973,000 | $ 324,333 | $ 0 |
| Trenton-Ewing, NJ | 3 | $ 321,000 | $ 107,000 | $ 133,000 |
| Abilene, TX | 2 | $ 129,000 | $ 64,500 | $ 98,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 283,000 | $ 141,500 | $ 69,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 299,000 | $ 149,500 | $ 83,000 |
| Chattanooga, TN-GA | 2 | $ 209,000 | $ 104,500 | $ 69,000 |
| Cumberland, MD-WV | 2 | $ 180,000 | $ 90,000 | $ 56,000 |
| Eugene-Springfield, OR | 2 | $ 187,000 | $ 93,500 | $ 99,000 |
| Grand Junction, CO | 2 | $ 65,000 | $ 32,500 | $ 120,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 377,000 | $ 188,500 | $ 15,000 |
| Lewiston, ID-WA | 2 | $ 171,000 | $ 85,500 | $ 32,000 |
| Lexington-Fayette, KY | 2 | $ 211,000 | $ 105,500 | $ 0 |
| Longview, TX | 2 | $ 138,000 | $ 69,000 | $ 31,000 |
| Midland, TX | 2 | $ 280,000 | $ 140,000 | $ 0 |
| New Haven-Milford, CT | 2 | $ 500,000 | $ 250,000 | $ 37,000 |
| Olympia, WA | 2 | $ 220,000 | $ 110,000 | $ 79,000 |
| Philadelphia, PA | 2 | $ 396,000 | $ 198,000 | $ 120,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 198,000 | $ 99,000 | $ 47,000 |
| Punta Gorda, FL | 2 | $ 485,000 | $ 242,500 | $ 0 |
| Reno-Sparks, NV | 2 | $ 486,000 | $ 243,000 | $ 76,000 |
| Rochester, MN | 2 | $ 434,000 | $ 217,000 | $ 0 |
| Salem, OR | 2 | $ 125,000 | $ 62,500 | $ 153,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 487,000 | $ 243,500 | $ 119,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 150,000 | $ 75,000 | $ 65,000 |
| St. Joseph, MO-KS | 2 | $ 142,000 | $ 71,000 | $ 189,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 207,000 | $ 103,500 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 528,000 | $ 264,000 | $ 138,000 |
| Wichita, KS | 2 | $ 271,000 | $ 135,500 | $ 75,000 |
| Winchester, VA-WV | 2 | $ 527,000 | $ 263,500 | $ 192,000 |
| Anchorage, AK | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Asheville, NC | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Athens-Clarke County, GA | 1 | $ 129,000 | $ 129,000 | $ 31,000 |
| Atlantic City, NJ | 1 | $ 114,000 | $ 114,000 | $ 123,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 296,000 | $ 296,000 | $ 120,000 |
| Binghamton, NY | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
| Cheyenne, WY | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 252,000 | $ 252,000 | $ 90,000 |
| Columbia, MO | 1 | $ 292,000 | $ 292,000 | $ 144,000 |
| Columbus, GA-AL | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Durham, NC | 1 | $ 59,000 | $ 59,000 | $ 23,000 |
| Elkhart-Goshen, IN | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Essex County, MA | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 517,000 | $ 517,000 | $ 0 |
| Greeley, CO | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Green Bay, WI | 1 | $ 152,000 | $ 152,000 | $ 81,000 |
| Gulfport-Biloxi, MS | 1 | $ 162,000 | $ 162,000 | $ 64,000 |
| Harrisburg-Carlisle, PA | 1 | $ 86,000 | $ 86,000 | $ 66,000 |
| Holland-Grand Haven, MI | 1 | $ 188,000 | $ 188,000 | $ 39,000 |
| Honolulu, HI | 1 | $ 708,000 | $ 708,000 | $ 195,000 |
| Huntsville, AL | 1 | $ 92,000 | $ 92,000 | $ 149,000 |
| Jackson, MS | 1 | $ 83,000 | $ 83,000 | $ 44,000 |
| Jefferson City, MO | 1 | $ 113,000 | $ 113,000 | $ 52,000 |
| Jonesboro, AR | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Knoxville, TN | 1 | $ 81,000 | $ 81,000 | $ 97,000 |
| La Crosse, WI-MN | 1 | $ 171,000 | $ 171,000 | $ 300,000 |
| Longview, WA | 1 | $ 112,000 | $ 112,000 | $ 43,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Merced, CA | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Montgomery, AL | 1 | $ 158,000 | $ 158,000 | $ 78,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Ocala, FL | 1 | $ 312,000 | $ 312,000 | $ 126,000 |
| Peoria, IL | 1 | $ 61,000 | $ 61,000 | $ 58,000 |
| Pittsfield, MA | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Prescott, AZ | 1 | $ 128,000 | $ 128,000 | $ 19,000 |
| Redding, CA | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 1 | $ 173,000 | $ 173,000 | $ 82,000 |
| Salinas, CA | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Springfield, MA | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Vallejo-Fairfield, CA | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 131,000 | $ 131,000 | $ 34,000 |
| Wilmington, DE-MD-NJ | 1 | $ 103,000 | $ 103,000 | $ 32,000 |
| Winston-Salem, NC | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Platinum Community Bank in 2006
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 | 2,245 | $343,419,000 | $152,000 | $974,000 | $75,000 | $1,500,000 |
| Refinancing | 737 | $158,095,000 | $214,000 | $1,523,000 | $69,000 | $1,145,000 |
| 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 | 1,704 | $278,386,000 | $163,000 | $1,523,000 | $84,000 | $1,500,000 |
| Hispanic | 755 | $132,309,000 | $175,000 | $1,000,000 | $46,000 | $613,000 |
| Black or African American | 230 | $32,532,000 | $141,000 | $750,000 | $81,000 | $500,000 |
| Not Provided | 164 | $31,170,000 | $190,000 | $849,000 | $80,000 | $480,000 |
| Asian | 102 | $21,339,000 | $209,000 | $618,000 | $71,000 | $1,145,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $4,627,000 | $220,000 | $560,000 | $68,000 | $192,000 |
| American Indian or Alaskan Native | 6 | $1,151,000 | $191,000 | $383,000 | $31,000 | $96,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,789 | $476,321,000 | $170,000 | $1,523,000 | $74,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 159 | $19,678,000 | $123,000 | $328,000 | $57,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 34 | $5,515,000 | $162,000 | $330,000 | $62,000 | $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 | 2,381 | $373,650,000 | $156,000 | $975,000 | $71,000 | $1,500,000 |
| Loan Originated | 447 | $89,545,000 | $200,000 | $1,523,000 | $86,000 | $624,000 |
| Application Denied By Financial Institution | 76 | $16,545,000 | $217,000 | $928,000 | $65,000 | $360,000 |
| Application Approved But Not Accepted | 65 | $20,180,000 | $310,000 | $1,025,000 | $100,000 | $1,145,000 |
| Application Withdrawn By Applicant | 13 | $1,594,000 | $122,000 | $486,000 | $51,000 | $135,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $3,427,000 | $171,000 | $696,000 | $64,000 | $158,000 |
| Other | 18 | $4,053,000 | $225,000 | $750,000 | $41,000 | $149,000 |
| Collateral | 15 | $3,592,000 | $239,000 | $638,000 | $83,000 | $360,000 |
| Credit History | 12 | $2,640,000 | $220,000 | $812,000 | $61,000 | $280,000 |
| Unverifiable Information | 4 | $1,990,000 | $497,000 | $928,000 | $146,000 | $293,000 |
| Credit Application Incomplete | 4 | $596,000 | $149,000 | $372,000 | $66,000 | $98,000 |
| Employment History | 2 | $197,000 | $98,000 | $166,000 | $54,000 | $55,000 |
| Mortgage Insurance Denied | 1 | $50,000 | $50,000 | $50,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Platinum Community Bank's 2006 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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