Sutton Bank Mortgage Lending & HMDA Data, 2006

In 2006, Sutton Bank of Attica, OH reported 3,091 mortgage applications totaling $477.0 million, up 433% from 2005. The average application was for $154,327, and applicants reported an average income of $77,488. 44% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (321), Cleveland-Elyria-Mentor, OH (164) and Columbus, OH (150) (applications in parentheses).

Mortgage Company & Address Sutton Bank
1 South Main St
Attica, OH 44807
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 3,091
Total Mortgage Loan Application Amount $477,025,000
Average Mortgage Loan Application Amount $154,327
Highest Mortgage Loan Application Amount $3,300,000
Average Applicant Income $77,488
Highest Applicant Income $1,166,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sutton Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Sutton Bank by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hamilton, Ohio 153 $ 14,762,000 $ 96,483 $ 56,000
Cuyahoga, Ohio 135 $ 13,857,000 $ 102,644 $ 56,000
Franklin, Ohio 119 $ 14,977,000 $ 125,857 $ 81,000
Huron, Ohio 89 $ 8,146,000 $ 91,528 $ 54,000
Clark, Nevada 86 $ 18,755,000 $ 218,081 $ 94,000
Butler, Ohio 73 $ 6,211,000 $ 85,082 $ 64,000
Hillsborough, Florida 69 $ 13,259,000 $ 192,159 $ 88,000
Richland, Ohio 61 $ 5,019,000 $ 82,278 $ 59,000
Warren, Ohio 57 $ 8,483,000 $ 148,824 $ 86,000
Erie, Ohio 53 $ 4,901,000 $ 92,471 $ 67,000
Allegheny, Pennsylvania 52 $ 4,109,000 $ 79,019 $ 60,000
Marion, Indiana 50 $ 5,017,000 $ 100,340 $ 88,000
Allen, Indiana 41 $ 3,438,000 $ 83,853 $ 44,000
Lucas, Ohio 41 $ 4,082,000 $ 99,560 $ 54,000
St. Louis, Missouri 40 $ 6,537,000 $ 163,425 $ 68,000
Mecklenburg, North Carolina 40 $ 9,885,000 $ 247,125 $ 74,000
Montgomery, Ohio 40 $ 3,028,000 $ 75,700 $ 46,000
Seneca, Ohio 40 $ 2,994,000 $ 74,850 $ 47,000
St. Louis City, Missouri 34 $ 2,744,000 $ 80,705 $ 53,000
Ashland, Ohio 34 $ 3,530,000 $ 103,823 $ 54,000
Pierce, Washington 31 $ 6,543,000 $ 211,064 $ 103,000
Fulton, Georgia 29 $ 5,045,000 $ 173,965 $ 104,000
Orange, Florida 24 $ 8,178,000 $ 340,750 $ 126,000
Dallas, Texas 24 $ 4,241,000 $ 176,708 $ 80,000
Summit, Ohio 23 $ 2,323,000 $ 101,000 $ 67,000
Los Angeles, California 22 $ 12,227,000 $ 555,772 $ 186,000
Maricopa, Arizona 20 $ 4,955,000 $ 247,750 $ 156,000
Palm Beach, Florida 20 $ 7,044,000 $ 352,200 $ 148,000
Kent, Michigan 20 $ 1,921,000 $ 96,050 $ 56,000
King, Washington 19 $ 8,287,000 $ 436,157 $ 147,000
Clermont, Ohio 17 $ 2,028,000 $ 119,294 $ 59,000
Mercer, Pennsylvania 17 $ 1,511,000 $ 88,882 $ 47,000
Philadelphia, Pennsylvania 16 $ 1,585,000 $ 99,062 $ 56,000
Harris, Texas 16 $ 4,903,000 $ 306,437 $ 196,000
Duval, Florida 15 $ 1,498,000 $ 99,866 $ 60,000
Union, North Carolina 15 $ 12,623,000 $ 841,533 $ 112,000
Lorain, Ohio 15 $ 1,285,000 $ 85,666 $ 68,000
Tarrant, Texas 15 $ 1,189,000 $ 79,266 $ 84,000
Broward, Florida 14 $ 3,201,000 $ 228,642 $ 71,000
Miami-Dade, Florida 14 $ 6,408,000 $ 457,714 $ 201,000
Brown, Wisconsin 14 $ 1,001,000 $ 71,500 $ 71,000
Pasco, Florida 13 $ 2,028,000 $ 156,000 $ 127,000
DeKalb, Georgia 13 $ 2,004,000 $ 154,153 $ 121,000
Lake, Indiana 13 $ 1,207,000 $ 92,846 $ 53,000
Wake, North Carolina 13 $ 1,368,000 $ 105,230 $ 76,000
Crawford, Ohio 13 $ 876,000 $ 67,384 $ 20,000
Milwaukee, Wisconsin 13 $ 1,583,000 $ 121,769 $ 45,000
Riverside, California 12 $ 5,930,000 $ 494,166 $ 107,000
Seminole, Florida 12 $ 2,068,000 $ 172,333 $ 96,000
Suffolk, Massachusetts 12 $ 3,227,000 $ 268,916 $ 28,000
Delaware, Ohio 12 $ 2,917,000 $ 243,083 $ 158,000
Norfolk, Virginia 12 $ 1,291,000 $ 107,583 $ 85,000
Gwinnett, Georgia 11 $ 2,280,000 $ 207,272 $ 46,000
Luzerne, Pennsylvania 11 $ 769,000 $ 69,909 $ 60,000
Shelby, Tennessee 11 $ 1,195,000 $ 108,636 $ 106,000
Sacramento, California 10 $ 2,713,000 $ 271,300 $ 113,000
Hartford, Connecticut 10 $ 1,747,000 $ 174,700 $ 70,000
New Haven, Connecticut 10 $ 3,122,000 $ 312,200 $ 66,000
Licking, Ohio 10 $ 2,087,000 $ 208,700 $ 132,000
Lycoming, Pennsylvania 10 $ 772,000 $ 77,200 $ 36,000
San Bernardino, California 9 $ 3,319,000 $ 368,777 $ 328,000
Fairfield, Connecticut 9 $ 2,797,000 $ 310,777 $ 109,000
Lee, Florida 9 $ 2,581,000 $ 286,777 $ 177,000
Osceola, Florida 9 $ 1,233,000 $ 137,000 $ 64,000
Ada, Idaho 9 $ 1,212,000 $ 134,666 $ 60,000
Hennepin, Minnesota 9 $ 3,094,000 $ 343,777 $ 47,000
Paulding, Georgia 8 $ 443,000 $ 55,375 $ 26,000
Cook, Illinois 8 $ 1,278,000 $ 159,750 $ 71,000
Hamilton, Indiana 8 $ 3,373,000 $ 421,625 $ 184,000
Suffolk, New York 8 $ 3,797,000 $ 474,625 $ 174,000
Ottawa, Ohio 8 $ 1,151,000 $ 143,875 $ 103,000
Ross, Ohio 8 $ 1,222,000 $ 152,750 $ 74,000
Clayton, Georgia 7 $ 599,000 $ 85,571 $ 32,000
Cobb, Georgia 7 $ 1,058,000 $ 151,142 $ 30,000
Canyon, Idaho 7 $ 872,000 $ 124,571 $ 36,000
Johnson, Kansas 7 $ 1,503,000 $ 214,714 $ 43,000
Lenawee, Michigan 7 $ 581,000 $ 83,000 $ 45,000
Wayne, Michigan 7 $ 579,000 $ 82,714 $ 63,000
Guilford, North Carolina 7 $ 585,000 $ 83,571 $ 26,000
Rutherford, North Carolina 7 $ 738,000 $ 105,428 $ 45,000
Clinton, Ohio 7 $ 480,000 $ 68,571 $ 55,000
Lake, Ohio 7 $ 1,238,000 $ 176,857 $ 37,000
Mahoning, Ohio 7 $ 534,000 $ 76,285 $ 40,000
Preble, Ohio 7 $ 487,000 $ 69,571 $ 63,000
Scioto, Ohio 7 $ 347,000 $ 49,571 $ 13,000
Fayette, Pennsylvania 7 $ 668,000 $ 95,428 $ 38,000
Washington, Pennsylvania 7 $ 675,000 $ 96,428 $ 138,000
Westmoreland, Pennsylvania 7 $ 695,000 $ 99,285 $ 98,000
Providence, Rhode Island 7 $ 706,000 $ 100,857 $ 66,000
Travis, Texas 7 $ 721,000 $ 103,000 $ 78,000
Virginia Beach, Virginia 7 $ 1,320,000 $ 188,571 $ 35,000
Pinellas, Florida 6 $ 1,535,000 $ 255,833 $ 97,000
Polk, Florida 6 $ 992,000 $ 165,333 $ 30,000
Cherokee, Georgia 6 $ 1,031,000 $ 171,833 $ 136,000
Kenton, Kentucky 6 $ 540,000 $ 90,000 $ 30,000
Wright, Minnesota 6 $ 1,271,000 $ 211,833 $ 0
St. Charles, Missouri 6 $ 1,077,000 $ 179,500 $ 80,000
Clark, Ohio 6 $ 464,000 $ 77,333 $ 56,000
Fayette, Ohio 6 $ 673,000 $ 112,166 $ 41,000
Sandusky, Ohio 6 $ 613,000 $ 102,166 $ 63,000
Erie, Pennsylvania 6 $ 290,000 $ 48,333 $ 43,000
El Paso, Texas 6 $ 740,000 $ 123,333 $ 53,000
Weber, Utah 6 $ 931,000 $ 155,166 $ 59,000
Orange, California 5 $ 1,440,000 $ 288,000 $ 61,000
Manatee, Florida 5 $ 806,000 $ 161,200 $ 56,000
Coweta, Georgia 5 $ 599,000 $ 119,800 $ 108,000
DeKalb, Indiana 5 $ 300,000 $ 60,000 $ 58,000
Hendricks, Indiana 5 $ 635,000 $ 127,000 $ 76,000
East Baton Rouge, Louisiana 5 $ 445,000 $ 89,000 $ 159,000
Oakland, Michigan 5 $ 1,020,000 $ 204,000 $ 120,000
Atlantic, New Jersey 5 $ 1,236,000 $ 247,200 $ 33,000
Johnston, North Carolina 5 $ 452,000 $ 90,400 $ 90,000
Ashtabula, Ohio 5 $ 348,000 $ 69,600 $ 65,000
Miami, Ohio 5 $ 464,000 $ 92,800 $ 47,000
Mifflin, Pennsylvania 5 $ 440,000 $ 88,000 $ 46,000
Bexar, Texas 5 $ 564,000 $ 112,800 $ 47,000
Fairfax, Virginia 5 $ 1,778,000 $ 355,600 $ 226,000
Suffolk, Virginia 5 $ 724,000 $ 144,800 $ 49,000
Snohomish, Washington 5 $ 1,474,000 $ 294,800 $ 263,000
Raleigh, West Virginia 5 $ 419,000 $ 83,800 $ 68,000
Brevard, Florida 4 $ 785,000 $ 196,250 $ 297,000
Hernando, Florida 4 $ 594,000 $ 148,500 $ 66,000
Henry, Georgia 4 $ 965,000 $ 241,250 $ 89,000
Newton, Georgia 4 $ 458,000 $ 114,500 $ 24,000
Dearborn, Indiana 4 $ 500,000 $ 125,000 $ 49,000
Vanderburgh, Indiana 4 $ 306,000 $ 76,500 $ 29,000
Vigo, Indiana 4 $ 233,000 $ 58,250 $ 37,000
Boone, Kentucky 4 $ 391,000 $ 97,750 $ 63,000
Jefferson, Kentucky 4 $ 380,000 $ 95,000 $ 25,000
Clay, Missouri 4 $ 1,301,000 $ 325,250 $ 125,000
Franklin, Missouri 4 $ 711,000 $ 177,750 $ 67,000
Essex, New Jersey 4 $ 916,000 $ 229,000 $ 47,000
Haywood, North Carolina 4 $ 346,000 $ 86,500 $ 64,000
Iredell, North Carolina 4 $ 1,286,000 $ 321,500 $ 266,000
Carroll, Ohio 4 $ 295,000 $ 73,750 $ 35,000
Columbiana, Ohio 4 $ 533,000 $ 133,250 $ 142,000
Fairfield, Ohio 4 $ 1,521,000 $ 380,250 $ 21,000
Fulton, Ohio 4 $ 361,000 $ 90,250 $ 38,000
Medina, Ohio 4 $ 466,000 $ 116,500 $ 75,000
Stark, Ohio 4 $ 306,000 $ 76,500 $ 29,000
Armstrong, Pennsylvania 4 $ 230,000 $ 57,500 $ 47,000
Beaver, Pennsylvania 4 $ 270,000 $ 67,500 $ 37,000
Butler, Pennsylvania 4 $ 446,000 $ 111,500 $ 54,000
Crawford, Pennsylvania 4 $ 323,000 $ 80,750 $ 25,000
Dauphin, Pennsylvania 4 $ 453,000 $ 113,250 $ 45,000
Indiana, Pennsylvania 4 $ 626,000 $ 156,500 $ 63,000
Lackawanna, Pennsylvania 4 $ 395,000 $ 98,750 $ 50,000
Lawrence, Pennsylvania 4 $ 309,000 $ 77,250 $ 67,000
Monroe, Pennsylvania 4 $ 705,000 $ 176,250 $ 46,000
Denton, Texas 4 $ 425,000 $ 106,250 $ 120,000
Rutland, Vermont 4 $ 455,000 $ 113,750 $ 84,000
Chesterfield, Virginia 4 $ 415,000 $ 103,750 $ 93,000
Wood, West Virginia 4 $ 270,000 $ 67,500 $ 37,000
Placer, California 3 $ 1,234,000 $ 411,333 $ 113,000
San Diego, California 3 $ 1,108,000 $ 369,333 $ 218,000
Denver, Colorado 3 $ 617,000 $ 205,666 $ 116,000
New Castle, Delaware 3 $ 982,000 $ 327,333 $ 46,000
Collier, Florida 3 $ 2,122,000 $ 707,333 $ 362,000
St. Clair, Illinois 3 $ 349,000 $ 116,333 $ 54,000
Will, Illinois 3 $ 533,000 $ 177,666 $ 82,000
Clark, Indiana 3 $ 262,000 $ 87,333 $ 41,000
Porter, Indiana 3 $ 480,000 $ 160,000 $ 71,000
Whitley, Indiana 3 $ 175,000 $ 58,333 $ 35,000
Campbell, Kentucky 3 $ 173,000 $ 57,666 $ 70,000
Baltimore City, Maryland 3 $ 219,000 $ 73,000 $ 75,000
Hampden, Massachusetts 3 $ 458,000 $ 152,666 $ 98,000
Worcester, Massachusetts 3 $ 279,000 $ 93,000 $ 72,000
Calhoun, Michigan 3 $ 140,000 $ 46,666 $ 43,000
Kalamazoo, Michigan 3 $ 378,000 $ 126,000 $ 66,000
Macomb, Michigan 3 $ 252,000 $ 84,000 $ 72,000
Muskegon, Michigan 3 $ 208,000 $ 69,333 $ 36,000
Ottawa, Michigan 3 $ 247,000 $ 82,333 $ 56,000
Washington, Minnesota 3 $ 790,000 $ 263,333 $ 139,000
Hudson, New Jersey 3 $ 729,000 $ 243,000 $ 139,000
Cabarrus, North Carolina 3 $ 409,000 $ 136,333 $ 176,000
Harnett, North Carolina 3 $ 182,000 $ 60,666 $ 19,000
Henderson, North Carolina 3 $ 364,000 $ 121,333 $ 101,000
Nash, North Carolina 3 $ 501,000 $ 167,000 $ 75,000
Rockingham, North Carolina 3 $ 227,000 $ 75,666 $ 87,000
Allen, Ohio 3 $ 259,000 $ 86,333 $ 53,000
Geauga, Ohio 3 $ 2,063,000 $ 687,666 $ 71,000
Greene, Ohio 3 $ 377,000 $ 125,666 $ 50,000
Hancock, Ohio 3 $ 368,000 $ 122,666 $ 56,000
Highland, Ohio 3 $ 314,000 $ 104,666 $ 41,000
Marion, Ohio 3 $ 232,000 $ 77,333 $ 30,000
Portage, Ohio 3 $ 447,000 $ 149,000 $ 65,000
Putnam, Ohio 3 $ 231,000 $ 77,000 $ 63,000
Wayne, Ohio 3 $ 525,000 $ 175,000 $ 89,000
Adams, Pennsylvania 3 $ 292,000 $ 97,333 $ 92,000
Berks, Pennsylvania 3 $ 227,000 $ 75,666 $ 45,000
Cambria, Pennsylvania 3 $ 216,000 $ 72,000 $ 63,000
Chester, Pennsylvania 3 $ 351,000 $ 117,000 $ 38,000
Delaware, Pennsylvania 3 $ 840,000 $ 280,000 $ 74,000
Lebanon, Pennsylvania 3 $ 366,000 $ 122,000 $ 14,000
Lehigh, Pennsylvania 3 $ 368,000 $ 122,666 $ 31,000
Snyder, Pennsylvania 3 $ 452,000 $ 150,666 $ 96,000
York, Pennsylvania 3 $ 761,000 $ 253,666 $ 53,000
Kent, Rhode Island 3 $ 648,000 $ 216,000 $ 20,000
Davidson, Tennessee 3 $ 424,000 $ 141,333 $ 58,000
Sevier, Tennessee 3 $ 446,000 $ 148,666 $ 34,000
Ellis, Texas 3 $ 333,000 $ 111,000 $ 63,000
Montgomery, Texas 3 $ 1,815,000 $ 605,000 $ 156,000
Newport News, Virginia 3 $ 298,000 $ 99,333 $ 35,000
Richmond City, Virginia 3 $ 212,000 $ 70,666 $ 52,000
Berkeley, West Virginia 3 $ 420,000 $ 140,000 $ 26,000
Winnebago, Wisconsin 3 $ 274,000 $ 91,333 $ 28,000
Madison, Alabama 2 $ 112,000 $ 56,000 $ 62,000
Yavapai, Arizona 2 $ 554,000 $ 277,000 $ 0
Alameda, California 2 $ 1,130,000 $ 565,000 $ 99,000
Contra Costa, California 2 $ 924,000 $ 462,000 $ 32,000
Santa Barbara, California 2 $ 1,013,000 $ 506,500 $ 364,000
Adams, Colorado 2 $ 330,000 $ 165,000 $ 126,000
Arapahoe, Colorado 2 $ 235,000 $ 117,500 $ 152,000
El Paso, Colorado 2 $ 260,000 $ 130,000 $ 36,000
Bay, Florida 2 $ 102,000 $ 51,000 $ 50,000
Citrus, Florida 2 $ 203,000 $ 101,500 $ 65,000
Flagler, Florida 2 $ 135,000 $ 67,500 $ 0
Highlands, Florida 2 $ 199,000 $ 99,500 $ 0
Sarasota, Florida 2 $ 235,000 $ 117,500 $ 66,000
St. Lucie, Florida 2 $ 465,000 $ 232,500 $ 0
Decatur, Georgia 2 $ 138,000 $ 69,000 $ 132,000
Forsyth, Georgia 2 $ 1,311,000 $ 655,500 $ 395,000
Jasper, Georgia 2 $ 83,000 $ 41,500 $ 58,000
Gem, Idaho 2 $ 471,000 $ 235,500 $ 100,000
DeKalb, Illinois 2 $ 160,000 $ 80,000 $ 144,000
DuPage, Illinois 2 $ 602,000 $ 301,000 $ 161,000
Lake, Illinois 2 $ 1,378,000 $ 689,000 $ 65,000
Monroe, Illinois 2 $ 291,000 $ 145,500 $ 216,000
Adams, Indiana 2 $ 170,000 $ 85,000 $ 39,000
Elkhart, Indiana 2 $ 750,000 $ 375,000 $ 30,000
Franklin, Indiana 2 $ 344,000 $ 172,000 $ 79,000
Fulton, Indiana 2 $ 169,000 $ 84,500 $ 56,000
Hancock, Indiana 2 $ 141,000 $ 70,500 $ 12,000
Jefferson, Indiana 2 $ 178,000 $ 89,000 $ 8,000
Johnson, Indiana 2 $ 650,000 $ 325,000 $ 126,000
Miami, Indiana 2 $ 178,000 $ 89,000 $ 39,000
Putnam, Indiana 2 $ 116,000 $ 58,000 $ 32,000
St. Joseph, Indiana 2 $ 130,000 $ 65,000 $ 81,000
Wabash, Indiana 2 $ 148,000 $ 74,000 $ 43,000
Linn, Iowa 2 $ 79,000 $ 39,500 $ 0
Scott, Iowa 2 $ 83,000 $ 41,500 $ 0
Hardin, Kentucky 2 $ 205,000 $ 102,500 $ 69,000
Muhlenberg, Kentucky 2 $ 88,000 $ 44,000 $ 22,000
York, Maine 2 $ 376,000 $ 188,000 $ 17,000
Baltimore, Maryland 2 $ 490,000 $ 245,000 $ 209,000
Essex, Massachusetts 2 $ 350,000 $ 175,000 $ 0
Emmet, Michigan 2 $ 366,000 $ 183,000 $ 116,000
Grand Traverse, Michigan 2 $ 140,000 $ 70,000 $ 81,000
Ionia, Michigan 2 $ 218,000 $ 109,000 $ 38,000
Jackson, Michigan 2 $ 131,000 $ 65,500 $ 36,000
Monroe, Michigan 2 $ 451,000 $ 225,500 $ 62,000
Washtenaw, Michigan 2 $ 331,000 $ 165,500 $ 203,000
Anoka, Minnesota 2 $ 698,000 $ 349,000 $ 0
Dakota, Minnesota 2 $ 274,000 $ 137,000 $ 37,000
Olmsted, Minnesota 2 $ 420,000 $ 210,000 $ 0
Wabasha, Minnesota 2 $ 293,000 $ 146,500 $ 102,000
Bergen, New Jersey 2 $ 671,000 $ 335,500 $ 53,000
Cumberland, New Jersey 2 $ 107,000 $ 53,500 $ 120,000
Middlesex, New Jersey 2 $ 292,000 $ 146,000 $ 150,000
Monmouth, New Jersey 2 $ 730,000 $ 365,000 $ 358,000
Bernalillo, New Mexico 2 $ 185,000 $ 92,500 $ 72,000
Nassau, New York 2 $ 690,000 $ 345,000 $ 152,000
Onondaga, New York 2 $ 408,000 $ 204,000 $ 149,000
Cleveland, North Carolina 2 $ 144,000 $ 72,000 $ 48,000
Cumberland, North Carolina 2 $ 104,000 $ 52,000 $ 94,000
Durham, North Carolina 2 $ 123,000 $ 61,500 $ 82,000
Edgecombe, North Carolina 2 $ 204,000 $ 102,000 $ 31,000
Gaston, North Carolina 2 $ 693,000 $ 346,500 $ 144,000
New Hanover, North Carolina 2 $ 170,000 $ 85,000 $ 102,000
Onslow, North Carolina 2 $ 82,000 $ 41,000 $ 66,000
Wilson, North Carolina 2 $ 203,000 $ 101,500 $ 392,000
Brown, Ohio 2 $ 325,000 $ 162,500 $ 41,000
Defiance, Ohio 2 $ 103,000 $ 51,500 $ 33,000
Hardin, Ohio 2 $ 157,000 $ 78,500 $ 58,000
Harrison, Ohio 2 $ 152,000 $ 76,000 $ 36,000
Hocking, Ohio 2 $ 212,000 $ 106,000 $ 63,000
Madison, Ohio 2 $ 83,000 $ 41,500 $ 56,000
Pike, Ohio 2 $ 154,000 $ 77,000 $ 45,000
Trumbull, Ohio 2 $ 153,000 $ 76,500 $ 20,000
Tuscarawas, Ohio 2 $ 66,000 $ 33,000 $ 31,000
Union, Ohio 2 $ 607,000 $ 303,500 $ 93,000
Van Wert, Ohio 2 $ 160,000 $ 80,000 $ 43,000
Wood, Ohio 2 $ 407,000 $ 203,500 $ 88,000
Lane, Oregon 2 $ 360,000 $ 180,000 $ 83,000
Multnomah, Oregon 2 $ 588,000 $ 294,000 $ 124,000
Blair, Pennsylvania 2 $ 142,000 $ 71,000 $ 29,000
Bradford, Pennsylvania 2 $ 118,000 $ 59,000 $ 46,000
Columbia, Pennsylvania 2 $ 278,000 $ 139,000 $ 48,000
Lancaster, Pennsylvania 2 $ 680,000 $ 340,000 $ 83,000
Montour, Pennsylvania 2 $ 249,000 $ 124,500 $ 69,000
Northumberland, Pennsylvania 2 $ 76,000 $ 38,000 $ 39,000
Potter, Pennsylvania 2 $ 124,000 $ 62,000 $ 119,000
Schuylkill, Pennsylvania 2 $ 80,000 $ 40,000 $ 0
Somerset, Pennsylvania 2 $ 135,000 $ 67,500 $ 40,000
Susquehanna, Pennsylvania 2 $ 339,000 $ 169,500 $ 150,000
Tioga, Pennsylvania 2 $ 131,000 $ 65,500 $ 31,000
Wayne, Pennsylvania 2 $ 322,000 $ 161,000 $ 19,000
Wyoming, Pennsylvania 2 $ 170,000 $ 85,000 $ 31,000
Beaufort, South Carolina 2 $ 363,000 $ 181,500 $ 128,000
Horry, South Carolina 2 $ 346,000 $ 173,000 $ 32,000
Bell, Texas 2 $ 215,000 $ 107,500 $ 0
Nueces, Texas 2 $ 113,000 $ 56,500 $ 58,000
Washington, Texas 2 $ 292,000 $ 146,000 $ 50,000
Wichita, Texas 2 $ 63,000 $ 31,500 $ 0
Williamson, Texas 2 $ 205,000 $ 102,500 $ 108,000
Salt Lake, Utah 2 $ 461,000 $ 230,500 $ 108,000
Utah, Utah 2 $ 425,000 $ 212,500 $ 33,000
Chesapeake, Virginia 2 $ 281,000 $ 140,500 $ 55,000
Prince William, Virginia 2 $ 265,000 $ 132,500 $ 0
Clark, Washington 2 $ 195,000 $ 97,500 $ 95,000
Kitsap, Washington 2 $ 675,000 $ 337,500 $ 254,000
Rock, Wisconsin 2 $ 136,000 $ 68,000 $ 100,000
Washington, Wisconsin 2 $ 230,000 $ 115,000 $ 294,000
Blount, Alabama 1 $ 32,000 $ 32,000 $ 55,000
Jefferson, Alabama 1 $ 152,000 $ 152,000 $ 70,000
Morgan, Alabama 1 $ 72,000 $ 72,000 $ 34,000
Shelby, Alabama 1 $ 558,000 $ 558,000 $ 235,000
Walker, Alabama 1 $ 38,000 $ 38,000 $ 39,000
Fresno, California 1 $ 80,000 $ 80,000 $ 0
Kern, California 1 $ 200,000 $ 200,000 $ 77,000
San Joaquin, California 1 $ 391,000 $ 391,000 $ 276,000
Santa Clara, California 1 $ 195,000 $ 195,000 $ 258,000
Santa Cruz, California 1 $ 138,000 $ 138,000 $ 0
Tuolumne, California 1 $ 108,000 $ 108,000 $ 197,000
Boulder, Colorado 1 $ 129,000 $ 129,000 $ 0
Garfield, Colorado 1 $ 345,000 $ 345,000 $ 160,000
Gunnison, Colorado 1 $ 632,000 $ 632,000 $ 240,000
Jefferson, Colorado 1 $ 401,000 $ 401,000 $ 420,000
Middlesex, Connecticut 1 $ 340,000 $ 340,000 $ 200,000
New London, Connecticut 1 $ 210,000 $ 210,000 $ 0
Windham, Connecticut 1 $ 165,000 $ 165,000 $ 60,000
District of Columbia, District Of Columbia 1 $ 185,000 $ 185,000 $ 97,000
Charlotte, Florida 1 $ 48,000 $ 48,000 $ 59,000
Clay, Florida 1 $ 116,000 $ 116,000 $ 40,000
Indian River, Florida 1 $ 91,000 $ 91,000 $ 180,000
Lake, Florida 1 $ 205,000 $ 205,000 $ 128,000
Leon, Florida 1 $ 160,000 $ 160,000 $ 174,000
Marion, Florida 1 $ 48,000 $ 48,000 $ 26,000
Monroe, Florida 1 $ 97,000 $ 97,000 $ 89,000
Nassau, Florida 1 $ 319,000 $ 319,000 $ 90,000
St. Johns, Florida 1 $ 315,000 $ 315,000 $ 116,000
Volusia, Florida 1 $ 27,000 $ 27,000 $ 87,000
Barrow, Georgia 1 $ 287,000 $ 287,000 $ 88,000
Bryan, Georgia 1 $ 174,000 $ 174,000 $ 300,000
Camden, Georgia 1 $ 60,000 $ 60,000 $ 248,000
Carroll, Georgia 1 $ 180,000 $ 180,000 $ 54,000
Chatham, Georgia 1 $ 25,000 $ 25,000 $ 31,000
Elbert, Georgia 1 $ 960,000 $ 960,000 $ 300,000
Franklin, Georgia 1 $ 40,000 $ 40,000 $ 27,000
Glynn, Georgia 1 $ 101,000 $ 101,000 $ 678,000
Harris, Georgia 1 $ 163,000 $ 163,000 $ 46,000
Rockdale, Georgia 1 $ 357,000 $ 357,000 $ 96,000
Stephens, Georgia 1 $ 165,000 $ 165,000 $ 37,000
Walton, Georgia 1 $ 248,000 $ 248,000 $ 58,000
Washington, Georgia 1 $ 93,000 $ 93,000 $ 100,000
White, Georgia 1 $ 128,000 $ 128,000 $ 94,000
Whitfield, Georgia 1 $ 146,000 $ 146,000 $ 33,000
Adams, Idaho 1 $ 170,000 $ 170,000 $ 60,000
Benewah, Idaho 1 $ 238,000 $ 238,000 $ 102,000
Bingham, Idaho 1 $ 85,000 $ 85,000 $ 31,000
Boise, Idaho 1 $ 181,000 $ 181,000 $ 43,000
Cassia, Idaho 1 $ 117,000 $ 117,000 $ 47,000
Payette, Idaho 1 $ 142,000 $ 142,000 $ 16,000
Valley, Idaho 1 $ 263,000 $ 263,000 $ 120,000
Washington, Idaho 1 $ 75,000 $ 75,000 $ 36,000
Adams, Illinois 1 $ 433,000 $ 433,000 $ 144,000
Bond, Illinois 1 $ 54,000 $ 54,000 $ 0
Champaign, Illinois 1 $ 116,000 $ 116,000 $ 63,000
Jo Daviess, Illinois 1 $ 480,000 $ 480,000 $ 294,000
Madison, Illinois 1 $ 75,000 $ 75,000 $ 80,000
McHenry, Illinois 1 $ 204,000 $ 204,000 $ 65,000
Sangamon, Illinois 1 $ 40,000 $ 40,000 $ 62,000
Vermilion, Illinois 1 $ 40,000 $ 40,000 $ 0
Winnebago, Illinois 1 $ 168,000 $ 168,000 $ 0
Bartholomew, Indiana 1 $ 114,000 $ 114,000 $ 52,000
Boone, Indiana 1 $ 350,000 $ 350,000 $ 120,000
Cass, Indiana 1 $ 68,000 $ 68,000 $ 43,000
Clay, Indiana 1 $ 56,000 $ 56,000 $ 62,000
Grant, Indiana 1 $ 60,000 $ 60,000 $ 72,000
Howard, Indiana 1 $ 85,000 $ 85,000 $ 40,000
Huntington, Indiana 1 $ 64,000 $ 64,000 $ 38,000
Knox, Indiana 1 $ 204,000 $ 204,000 $ 105,000
Kosciusko, Indiana 1 $ 152,000 $ 152,000 $ 364,000
LaGrange, Indiana 1 $ 76,000 $ 76,000 $ 75,000
Madison, Indiana 1 $ 52,000 $ 52,000 $ 30,000
Monroe, Indiana 1 $ 1,040,000 $ 1,040,000 $ 167,000
Morgan, Indiana 1 $ 105,000 $ 105,000 $ 55,000
Posey, Indiana 1 $ 75,000 $ 75,000 $ 53,000
Rush, Indiana 1 $ 52,000 $ 52,000 $ 115,000
Starke, Indiana 1 $ 79,000 $ 79,000 $ 58,000
Tippecanoe, Indiana 1 $ 83,000 $ 83,000 $ 46,000
Black Hawk, Iowa 1 $ 61,000 $ 61,000 $ 21,000
Woodbury, Iowa 1 $ 44,000 $ 44,000 $ 14,000
Russell, Kansas 1 $ 41,000 $ 41,000 $ 21,000
Bourbon, Kentucky 1 $ 95,000 $ 95,000 $ 65,000
Clark, Kentucky 1 $ 191,000 $ 191,000 $ 165,000
Daviess, Kentucky 1 $ 14,000 $ 14,000 $ 48,000
Grant, Kentucky 1 $ 115,000 $ 115,000 $ 34,000
Lawrence, Kentucky 1 $ 40,000 $ 40,000 $ 75,000
Madison, Kentucky 1 $ 124,000 $ 124,000 $ 35,000
Shelby, Kentucky 1 $ 85,000 $ 85,000 $ 0
Warren, Kentucky 1 $ 146,000 $ 146,000 $ 73,000
Ascension, Louisiana 1 $ 352,000 $ 352,000 $ 67,000
St. John the Baptist, Louisiana 1 $ 201,000 $ 201,000 $ 63,000
Allegany, Maryland 1 $ 156,000 $ 156,000 $ 43,000
Harford, Maryland 1 $ 114,000 $ 114,000 $ 50,000
Montgomery, Maryland 1 $ 100,000 $ 100,000 $ 166,000
Allegan, Michigan 1 $ 129,000 $ 129,000 $ 47,000
Bay, Michigan 1 $ 112,000 $ 112,000 $ 39,000
Branch, Michigan 1 $ 61,000 $ 61,000 $ 18,000
Genesee, Michigan 1 $ 750,000 $ 750,000 $ 240,000
Isabella, Michigan 1 $ 56,000 $ 56,000 $ 96,000
Livingston, Michigan 1 $ 205,000 $ 205,000 $ 272,000
Manistee, Michigan 1 $ 45,000 $ 45,000 $ 60,000
Mecosta, Michigan 1 $ 64,000 $ 64,000 $ 0
Sanilac, Michigan 1 $ 81,000 $ 81,000 $ 66,000
St. Clair, Michigan 1 $ 111,000 $ 111,000 $ 61,000
Tuscola, Michigan 1 $ 138,000 $ 138,000 $ 50,000
Van Buren, Michigan 1 $ 106,000 $ 106,000 $ 55,000
Freeborn, Minnesota 1 $ 64,000 $ 64,000 $ 26,000
Ramsey, Minnesota 1 $ 1,000,000 $ 1,000,000 $ 216,000
Sherburne, Minnesota 1 $ 315,000 $ 315,000 $ 0
St. Louis, Minnesota 1 $ 53,000 $ 53,000 $ 430,000
Stearns, Minnesota 1 $ 222,000 $ 222,000 $ 0
Lee, Mississippi 1 $ 136,000 $ 136,000 $ 71,000
Butler, Missouri 1 $ 52,000 $ 52,000 $ 23,000
Jackson, Missouri 1 $ 126,000 $ 126,000 $ 38,000
Jasper, Missouri 1 $ 205,000 $ 205,000 $ 0
Jefferson, Missouri 1 $ 101,000 $ 101,000 $ 25,000
Lincoln, Missouri 1 $ 143,000 $ 143,000 $ 64,000
Marion, Missouri 1 $ 68,000 $ 68,000 $ 50,000
Mercer, Missouri 1 $ 75,000 $ 75,000 $ 26,000
Osage, Missouri 1 $ 139,000 $ 139,000 $ 53,000
Pike, Missouri 1 $ 54,000 $ 54,000 $ 57,000
Platte, Missouri 1 $ 74,000 $ 74,000 $ 66,000
Stone, Missouri 1 $ 104,000 $ 104,000 $ 56,000
Wright, Missouri 1 $ 41,000 $ 41,000 $ 29,000
Douglas, Nebraska 1 $ 104,000 $ 104,000 $ 150,000
Lancaster, Nebraska 1 $ 92,000 $ 92,000 $ 53,000
Washoe, Nevada 1 $ 195,000 $ 195,000 $ 103,000
Cape May, New Jersey 1 $ 1,170,000 $ 1,170,000 $ 480,000
Gloucester, New Jersey 1 $ 208,000 $ 208,000 $ 91,000
Union, New Jersey 1 $ 360,000 $ 360,000 $ 151,000
Santa Fe, New Mexico 1 $ 168,000 $ 168,000 $ 165,000
Broome, New York 1 $ 56,000 $ 56,000 $ 36,000
Dutchess, New York 1 $ 121,000 $ 121,000 $ 47,000
Erie, New York 1 $ 73,000 $ 73,000 $ 59,000
Ontario, New York 1 $ 57,000 $ 57,000 $ 47,000
Queens, New York 1 $ 901,000 $ 901,000 $ 524,000
Rensselaer, New York 1 $ 136,000 $ 136,000 $ 321,000
Schenectady, New York 1 $ 140,000 $ 140,000 $ 0
Tompkins, New York 1 $ 77,000 $ 77,000 $ 59,000
Alamance, North Carolina 1 $ 52,000 $ 52,000 $ 60,000
Anson, North Carolina 1 $ 71,000 $ 71,000 $ 60,000
Catawba, North Carolina 1 $ 20,000 $ 20,000 $ 180,000
Dare, North Carolina 1 $ 512,000 $ 512,000 $ 628,000
Forsyth, North Carolina 1 $ 145,000 $ 145,000 $ 44,000
Jones, North Carolina 1 $ 72,000 $ 72,000 $ 34,000
Lenoir, North Carolina 1 $ 48,000 $ 48,000 $ 65,000
Lincoln, North Carolina 1 $ 497,000 $ 497,000 $ 510,000
Moore, North Carolina 1 $ 179,000 $ 179,000 $ 37,000
Pender, North Carolina 1 $ 1,275,000 $ 1,275,000 $ 514,000
Richmond, North Carolina 1 $ 221,000 $ 221,000 $ 0
Rowan, North Carolina 1 $ 134,000 $ 134,000 $ 0
Stokes, North Carolina 1 $ 75,000 $ 75,000 $ 29,000
Transylvania, North Carolina 1 $ 324,000 $ 324,000 $ 46,000
Champaign, Ohio 1 $ 85,000 $ 85,000 $ 23,000
Darke, Ohio 1 $ 245,000 $ 245,000 $ 135,000
Guernsey, Ohio 1 $ 86,000 $ 86,000 $ 51,000
Knox, Ohio 1 $ 170,000 $ 170,000 $ 61,000
Logan, Ohio 1 $ 51,000 $ 51,000 $ 31,000
Meigs, Ohio 1 $ 65,000 $ 65,000 $ 122,000
Morgan, Ohio 1 $ 68,000 $ 68,000 $ 54,000
Perry, Ohio 1 $ 220,000 $ 220,000 $ 0
Pickaway, Ohio 1 $ 90,000 $ 90,000 $ 0
Shelby, Ohio 1 $ 62,000 $ 62,000 $ 75,000
Washington, Ohio 1 $ 84,000 $ 84,000 $ 93,000
Cleveland, Oklahoma 1 $ 55,000 $ 55,000 $ 0
Oklahoma, Oklahoma 1 $ 94,000 $ 94,000 $ 80,000
Tillamook, Oregon 1 $ 284,000 $ 284,000 $ 0
Bedford, Pennsylvania 1 $ 225,000 $ 225,000 $ 52,000
Bucks, Pennsylvania 1 $ 204,000 $ 204,000 $ 64,000
Greene, Pennsylvania 1 $ 52,000 $ 52,000 $ 36,000
Huntingdon, Pennsylvania 1 $ 86,000 $ 86,000 $ 42,000
Jefferson, Pennsylvania 1 $ 40,000 $ 40,000 $ 27,000
Northampton, Pennsylvania 1 $ 220,000 $ 220,000 $ 72,000
Pike, Pennsylvania 1 $ 138,000 $ 138,000 $ 66,000
Sullivan, Pennsylvania 1 $ 55,000 $ 55,000 $ 44,000
Union, Pennsylvania 1 $ 60,000 $ 60,000 $ 40,000
Venango, Pennsylvania 1 $ 66,000 $ 66,000 $ 57,000
Aiken, South Carolina 1 $ 259,000 $ 259,000 $ 60,000
Darlington, South Carolina 1 $ 83,000 $ 83,000 $ 37,000
Florence, South Carolina 1 $ 117,000 $ 117,000 $ 90,000
Richland, South Carolina 1 $ 74,000 $ 74,000 $ 35,000
Spartanburg, South Carolina 1 $ 21,000 $ 21,000 $ 0
York, South Carolina 1 $ 149,000 $ 149,000 $ 60,000
Cocke, Tennessee 1 $ 39,000 $ 39,000 $ 256,000
Fayette, Tennessee 1 $ 233,000 $ 233,000 $ 0
Hardin, Tennessee 1 $ 132,000 $ 132,000 $ 0
Jefferson, Tennessee 1 $ 138,000 $ 138,000 $ 54,000
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Mortgage Loan Application Detail Totals for Sutton 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 2,055 $315,523,000 $153,000 $3,300,000 $79,000 $1,166,000
Refinancing 1,013 $159,452,000 $157,000 $1,725,000 $75,000 $980,000
Home Improvement 23 $2,050,000 $89,000 $580,000 $52,000 $150,000

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 1,744 $240,454,000 $137,000 $3,300,000 $77,000 $1,140,000
Black or African American 708 $100,792,000 $142,000 $1,725,000 $70,000 $830,000
Not Provided 306 $60,001,000 $196,000 $1,937,000 $83,000 $780,000
Hispanic 248 $52,817,000 $212,000 $1,901,000 $83,000 $1,166,000
Asian 53 $15,923,000 $300,000 $1,330,000 $135,000 $904,000
Native Hawaiian or Other Pacific Islander 18 $3,889,000 $216,000 $625,000 $101,000 $467,000
Not applicable 8 $944,000 $118,000 $261,000 $34,000 $93,000
American Indian or Alaskan Native 6 $2,205,000 $367,000 $1,163,000 $160,000 $378,000

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) 3,087 $476,588,000 $154,000 $3,300,000 $78,000 $1,166,000
FHA-insured (Federal Housing Administration) 2 $279,000 $139,000 $163,000 $38,000 $40,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $158,000 $79,000 $83,000 $29,000 $41,000
VA-guaranteed (Veterans Administration) 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 Originated 1,365 $175,417,000 $128,000 $1,937,000 $67,000 $1,140,000
Application Denied By Financial Institution 936 $165,541,000 $176,000 $3,300,000 $83,000 $980,000
Application Approved But Not Accepted 628 $108,037,000 $172,000 $1,750,000 $88,000 $929,000
File Closed For Incompleteness 89 $16,329,000 $183,000 $1,901,000 $94,000 $1,166,000
Application Withdrawn By Applicant 71 $11,422,000 $160,000 $572,000 $90,000 $449,000
Loan Purchased By The Institution 2 $279,000 $139,000 $163,000 $38,000 $40,000
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
Other 338 $69,297,000 $205,000 $1,725,000 $96,000 $980,000
Credit History 316 $50,643,000 $160,000 $3,300,000 $71,000 $900,000
Collateral 134 $26,853,000 $200,000 $1,520,000 $108,000 $540,000
Debt-To-Income Ratio 62 $6,970,000 $112,000 $1,020,000 $56,000 $904,000
Employment History 42 $5,517,000 $131,000 $557,000 $64,000 $582,000
Unverifiable Information 16 $2,104,000 $131,000 $324,000 $67,000 $165,000
Insufficient Cash (Downpayment, Closing Cost) 9 $664,000 $73,000 $128,000 $45,000 $108,000
Mortgage Insurance Denied 1 $32,000 $32,000 $32,000 $55,000 $55,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sutton 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 Sutton 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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