2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Mercantile National Bank Of In
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Mercantile National Bank Of In 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Mercantile National Bank Of In 5243 Hohman Avenue Hammond, IN 46320 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,853 |
| Total Mortgage Loan Application Amount | $155,406,000 |
| Average Mortgage Loan Application Amount | $111,851 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $74,296 |
| Highest Applicant Income | $1,289,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Mercantile National Bank Of In. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mercantile National Bank Of In's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Mercantile National Bank Of In's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mercantile National Bank Of In serves its applicants.
Each category highlights the total number of mortgage applications processed by Mercantile National Bank Of In, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mercantile National Bank Of In's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alcona County Michigan | 1 | $ 63,000 | $ 63,000 | $ 61,000 |
| Allegan County Michigan | 9 | $ 858,000 | $ 95,000 | $ 36,000 |
| Allen County Indiana | 4 | $ 298,000 | $ 74,000 | $ 43,000 |
| Allen County Ohio | 2 | $ 158,000 | $ 79,000 | $ 38,000 |
| Anoka County Minnesota | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Bath County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 48,000 |
| Bell County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Berrien County Michigan | 5 | $ 648,000 | $ 129,000 | $ 59,000 |
| Black Hawk County Iowa | 2 | $ 133,000 | $ 66,000 | $ 60,000 |
| Boone County Indiana | 2 | $ 94,000 | $ 47,000 | $ 30,000 |
| Boyd County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Bradley County Tennessee | 2 | $ 78,000 | $ 39,000 | $ 34,000 |
| Branch County Michigan | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Breckinridge County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Brown County Indiana | 2 | $ 120,000 | $ 60,000 | $ 27,000 |
| Brown County Ohio | 3 | $ 185,000 | $ 61,000 | $ 37,000 |
| Bullitt County Kentucky | 5 | $ 305,000 | $ 61,000 | $ 53,000 |
| Butler County Kansas | 2 | $ 112,000 | $ 56,000 | $ 52,000 |
| Butler County Ohio | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Calhoun County Michigan | 5 | $ 510,000 | $ 102,000 | $ 57,000 |
| Campbell County Kentucky | 2 | $ 161,000 | $ 80,000 | $ 48,000 |
| Carroll County Indiana | 4 | $ 245,000 | $ 61,000 | $ 39,000 |
| Carter County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 28,000 |
| Cass County Indiana | 4 | $ 316,000 | $ 79,000 | $ 63,000 |
| Cass County Michigan | 4 | $ 288,000 | $ 72,000 | $ 51,000 |
| Champaign County Illinois | 3 | $ 279,000 | $ 93,000 | $ 61,000 |
| Cheatham County Tennessee | 2 | $ 79,000 | $ 39,000 | $ 25,000 |
| Christian County Kentucky | 3 | $ 101,000 | $ 33,000 | $ 39,000 |
| Christian County Missouri | 1 | $ 75,000 | $ 75,000 | $ 17,000 |
| Clay County Indiana | 3 | $ 234,000 | $ 78,000 | $ 49,000 |
| Clermont County Ohio | 2 | $ 110,000 | $ 55,000 | $ 31,000 |
| Clinton County Indiana | 3 | $ 173,000 | $ 57,000 | $ 23,000 |
| Clinton County Michigan | 2 | $ 123,000 | $ 61,000 | $ 54,000 |
| Clinton County Ohio | 5 | $ 306,000 | $ 61,000 | $ 52,000 |
| Coffee County Tennessee | 2 | $ 80,000 | $ 40,000 | $ 34,000 |
| Cook County Illinois | 78 | $ 11,114,000 | $ 142,000 | $ 68,000 |
| Crawford County Illinois | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Crawford County Indiana | 4 | $ 195,000 | $ 48,000 | $ 43,000 |
| Crawford County Michigan | 1 | $ 102,000 | $ 102,000 | $ 26,000 |
| Crittenden County Kentucky | 2 | $ 55,000 | $ 27,000 | $ 42,000 |
| Crow Wing County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Cumberland County Tennessee | 3 | $ 146,000 | $ 48,000 | $ 38,000 |
| Davidson County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 43,000 |
| Daviess County Kentucky | 1 | $ 87,000 | $ 87,000 | $ 84,000 |
| Dubois County Indiana | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| DuPage County Illinois | 3 | $ 694,000 | $ 231,000 | $ 96,000 |
| Eaton County Michigan | 2 | $ 234,000 | $ 117,000 | $ 42,000 |
| Edgar County Illinois | 1 | $ 77,000 | $ 77,000 | $ 47,000 |
| El Paso County Colorado | 1 | $ 128,000 | $ 128,000 | $ 37,000 |
| Emmet County Michigan | 2 | $ 102,000 | $ 51,000 | $ 38,000 |
| Fairfield County Ohio | 1 | $ 138,000 | $ 138,000 | $ 55,000 |
| Floyd County Indiana | 2 | $ 109,000 | $ 54,000 | $ 48,000 |
| Fountain County Indiana | 3 | $ 152,000 | $ 50,000 | $ 31,000 |
| Franklin County Indiana | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Franklin County Kentucky | 3 | $ 201,000 | $ 67,000 | $ 60,000 |
| Franklin County Ohio | 2 | $ 151,000 | $ 75,000 | $ 43,000 |
| Franklin County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 34,000 |
| Garrard County Kentucky | 2 | $ 79,000 | $ 39,000 | $ 29,000 |
| Genesee County Michigan | 2 | $ 272,000 | $ 136,000 | $ 131,000 |
| Grant County Indiana | 1 | $ 43,000 | $ 43,000 | $ 38,000 |
| Greene County Missouri | 3 | $ 318,000 | $ 106,000 | $ 25,000 |
| Guthrie County Iowa | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Gwinnett County Georgia | 1 | $ 220,000 | $ 220,000 | $ 125,000 |
| Hamilton County Indiana | 7 | $ 451,000 | $ 64,000 | $ 52,000 |
| Hamilton County Ohio | 3 | $ 191,000 | $ 63,000 | $ 45,000 |
| Hamilton County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 50,000 |
| Hancock County Indiana | 1 | $ 37,000 | $ 37,000 | $ 72,000 |
| Harrison County Indiana | 7 | $ 356,000 | $ 50,000 | $ 48,000 |
| Henry County Indiana | 2 | $ 183,000 | $ 91,000 | $ 37,000 |
| Henry County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 27,000 |
| Hickman County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Highland County Ohio | 2 | $ 145,000 | $ 72,000 | $ 27,000 |
| Hocking County Ohio | 1 | $ 88,000 | $ 88,000 | $ 49,000 |
| Howell County Missouri | 2 | $ 306,000 | $ 153,000 | $ 102,000 |
| Huntington County Indiana | 1 | $ 66,000 | $ 66,000 | $ 40,000 |
| Ingham County Michigan | 1 | $ 83,000 | $ 83,000 | $ 23,000 |
| Ionia County Michigan | 4 | $ 270,000 | $ 67,000 | $ 35,000 |
| Iosco County Michigan | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Iroquois County Illinois | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Jackson County Indiana | 3 | $ 190,000 | $ 63,000 | $ 45,000 |
| Jackson County Michigan | 8 | $ 891,000 | $ 111,000 | $ 71,000 |
| Jasper County Indiana | 7 | $ 577,000 | $ 82,000 | $ 46,000 |
| Jasper County Missouri | 1 | $ 61,000 | $ 61,000 | $ 26,000 |
| Jefferson County Illinois | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Jefferson County Missouri | 4 | $ 359,000 | $ 89,000 | $ 52,000 |
| Jefferson County Tennessee | 6 | $ 309,000 | $ 51,000 | $ 43,000 |
| Jennings County Indiana | 5 | $ 371,000 | $ 74,000 | $ 36,000 |
| Johnson County Indiana | 3 | $ 270,000 | $ 90,000 | $ 99,000 |
| Johnson County Kentucky | 1 | $ 58,000 | $ 58,000 | $ 32,000 |
| Johnson County Missouri | 2 | $ 190,000 | $ 95,000 | $ 40,000 |
| Kalamazoo County Michigan | 2 | $ 263,000 | $ 131,000 | $ 69,000 |
| Kent County Michigan | 3 | $ 282,000 | $ 94,000 | $ 48,000 |
| Knox County Kentucky | 4 | $ 289,000 | $ 72,000 | $ 58,000 |
| Knox County Tennessee | 4 | $ 308,000 | $ 77,000 | $ 52,000 |
| Kosciusko County Indiana | 6 | $ 357,000 | $ 59,000 | $ 39,000 |
| Laclede County Missouri | 2 | $ 104,000 | $ 52,000 | $ 38,000 |
| LaGrange County Indiana | 6 | $ 408,000 | $ 68,000 | $ 59,000 |
| Lake County Indiana | 955 | $ 70,818,000 | $ 74,000 | $ 68,000 |
| LaPorte County Indiana | 25 | $ 2,521,000 | $ 100,000 | $ 67,000 |
| LaSalle County Illinois | 1 | $ 13,000 | $ 13,000 | $ 48,000 |
| Laurel County Kentucky | 2 | $ 62,000 | $ 31,000 | $ 50,000 |
| Lawrence County Indiana | 8 | $ 418,000 | $ 52,000 | $ 38,000 |
| Leon County Florida | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Licking County Ohio | 3 | $ 195,000 | $ 65,000 | $ 42,000 |
| Linn County Missouri | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Livingston County Michigan | 1 | $ 18,000 | $ 18,000 | $ 62,000 |
| Loudon County Tennessee | 1 | $ 92,000 | $ 92,000 | $ 33,000 |
| Mackinac County Michigan | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Macon County Missouri | 3 | $ 128,000 | $ 42,000 | $ 28,000 |
| Macon County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 32,000 |
| Macoupin County Illinois | 1 | $ 85,000 | $ 85,000 | $ 94,000 |
| Madison County Illinois | 2 | $ 120,000 | $ 60,000 | $ 41,000 |
| Madison County Indiana | 7 | $ 481,000 | $ 68,000 | $ 29,000 |
| Marion County Illinois | 2 | $ 153,000 | $ 76,000 | $ 43,000 |
| Marion County Indiana | 4 | $ 351,000 | $ 87,000 | $ 45,000 |
| Marshall County Indiana | 1 | $ 89,000 | $ 89,000 | $ 46,000 |
| Marshall County Kentucky | 2 | $ 90,000 | $ 45,000 | $ 55,000 |
| Mason County Michigan | 1 | $ 124,000 | $ 124,000 | $ 43,000 |
| Maury County Tennessee | 1 | $ 131,000 | $ 131,000 | $ 47,000 |
| Meade County Kentucky | 4 | $ 337,000 | $ 84,000 | $ 45,000 |
| Mecklenburg County North Carolina | 1 | $ 204,000 | $ 204,000 | $ 170,000 |
| Mecosta County Michigan | 1 | $ 74,000 | $ 74,000 | $ 33,000 |
| Medina County Ohio | 2 | $ 117,000 | $ 58,000 | $ 38,000 |
| Midland County Michigan | 2 | $ 115,000 | $ 57,000 | $ 46,000 |
| Mille Lacs County Minnesota | 1 | $ 144,000 | $ 144,000 | $ 44,000 |
| Monroe County Indiana | 6 | $ 330,000 | $ 55,000 | $ 40,000 |
| Monroe County Michigan | 1 | $ 244,000 | $ 244,000 | $ 77,000 |
| Montcalm County Michigan | 6 | $ 365,000 | $ 60,000 | $ 40,000 |
| Montgomery County Indiana | 1 | $ 130,000 | $ 130,000 | $ 75,000 |
| Montgomery County Kentucky | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Montgomery County Ohio | 2 | $ 222,000 | $ 111,000 | $ 51,000 |
| Moore County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Morrison County Minnesota | 2 | $ 233,000 | $ 116,000 | $ 46,000 |
| Muhlenberg County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 33,000 |
| Muskegon County Michigan | 2 | $ 266,000 | $ 133,000 | $ 57,000 |
| Newaygo County Michigan | 8 | $ 613,000 | $ 76,000 | $ 53,000 |
| Newton County Indiana | 8 | $ 554,000 | $ 69,000 | $ 35,000 |
| Noble County Indiana | 2 | $ 40,000 | $ 20,000 | $ 76,000 |
| Oakland County Michigan | 3 | $ 482,000 | $ 160,000 | $ 108,000 |
| Oceana County Michigan | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Oconee County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 68,000 |
| Ogemaw County Michigan | 2 | $ 78,000 | $ 39,000 | $ 29,000 |
| Ohio County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 37,000 |
| Osceola County Michigan | 2 | $ 112,000 | $ 56,000 | $ 28,000 |
| Ottawa County Michigan | 2 | $ 200,000 | $ 100,000 | $ 42,000 |
| Overton County Tennessee | 2 | $ 76,000 | $ 38,000 | $ 55,000 |
| Owen County Indiana | 2 | $ 154,000 | $ 77,000 | $ 42,000 |
| Palm Beach County Florida | 1 | $ 324,000 | $ 324,000 | $ 175,000 |
| Parke County Indiana | 6 | $ 312,000 | $ 52,000 | $ 36,000 |
| Paulding County Ohio | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Peoria County Illinois | 1 | $ 61,000 | $ 61,000 | $ 25,000 |
| Perry County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 18,000 |
| Pettis County Missouri | 2 | $ 87,000 | $ 43,000 | $ 50,000 |
| Pickaway County Ohio | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Pike County Indiana | 1 | $ 138,000 | $ 138,000 | $ 62,000 |
| Pine County Minnesota | 1 | $ 140,000 | $ 140,000 | $ 33,000 |
| Pinellas County Florida | 1 | $ 304,000 | $ 304,000 | $ 393,000 |
| Porter County Indiana | 194 | $ 21,151,000 | $ 109,000 | $ 88,000 |
| Posey County Indiana | 4 | $ 184,000 | $ 46,000 | $ 55,000 |
| Pulaski County Kentucky | 2 | $ 204,000 | $ 102,000 | $ 30,000 |
| Putnam County Indiana | 3 | $ 254,000 | $ 84,000 | $ 32,000 |
| Randolph County Indiana | 2 | $ 112,000 | $ 56,000 | $ 83,000 |
| Ray County Missouri | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Roane County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 44,000 |
| Robertson County Tennessee | 4 | $ 205,000 | $ 51,000 | $ 40,000 |
| Rockcastle County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 42,000 |
| Ross County Ohio | 2 | $ 82,000 | $ 41,000 | $ 22,000 |
| Rutherford County Tennessee | 1 | $ 113,000 | $ 113,000 | $ 114,000 |
| Saginaw County Michigan | 2 | $ 162,000 | $ 81,000 | $ 115,000 |
| Saline County Missouri | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Scott County Indiana | 2 | $ 88,000 | $ 44,000 | $ 32,000 |
| Sevier County Tennessee | 1 | $ 201,000 | $ 201,000 | $ 98,000 |
| Shelby County Indiana | 3 | $ 207,000 | $ 69,000 | $ 72,000 |
| Shelby County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Shiawassee County Michigan | 4 | $ 534,000 | $ 133,000 | $ 76,000 |
| Smith County Tennessee | 4 | $ 284,000 | $ 71,000 | $ 52,000 |
| Spencer County Indiana | 2 | $ 89,000 | $ 44,000 | $ 51,000 |
| St. Clair County Illinois | 3 | $ 176,000 | $ 58,000 | $ 38,000 |
| St. Francois County Missouri | 5 | $ 302,000 | $ 60,000 | $ 81,000 |
| St. Joseph County Indiana | 6 | $ 309,000 | $ 51,000 | $ 45,000 |
| St. Joseph County Michigan | 2 | $ 102,000 | $ 51,000 | $ 38,000 |
| St. Louis County Missouri | 6 | $ 657,000 | $ 109,000 | $ 48,000 |
| Starke County Indiana | 3 | $ 611,000 | $ 203,000 | $ 51,000 |
| Steuben County Indiana | 2 | $ 128,000 | $ 64,000 | $ 40,000 |
| Stoddard County Missouri | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Sullivan County Indiana | 7 | $ 245,000 | $ 35,000 | $ 41,000 |
| Sumner County Tennessee | 2 | $ 86,000 | $ 43,000 | $ 23,000 |
| Tazewell County Illinois | 3 | $ 310,000 | $ 103,000 | $ 34,000 |
| Texas County Missouri | 1 | $ 211,000 | $ 211,000 | $ 105,000 |
| Tippecanoe County Indiana | 3 | $ 358,000 | $ 119,000 | $ 51,000 |
| Tipton County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 76,000 |
| Trimble County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 51,000 |
| Tuscola County Michigan | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Union County Kentucky | 3 | $ 138,000 | $ 46,000 | $ 41,000 |
| Union County Ohio | 2 | $ 115,000 | $ 57,000 | $ 37,000 |
| Van Buren County Michigan | 3 | $ 181,000 | $ 60,000 | $ 34,000 |
| Van Wert County Ohio | 1 | $ 60,000 | $ 60,000 | $ 23,000 |
| Vanderburgh County Indiana | 1 | $ 32,000 | $ 32,000 | $ 29,000 |
| Vigo County Indiana | 8 | $ 451,000 | $ 56,000 | $ 47,000 |
| Wabash County Indiana | 2 | $ 71,000 | $ 35,000 | $ 44,000 |
| Warren County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 20,000 |
| Warrick County Indiana | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Washington County Indiana | 5 | $ 324,000 | $ 64,000 | $ 54,000 |
| Washington County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 30,000 |
| Washington County Minnesota | 1 | $ 252,000 | $ 252,000 | $ 130,000 |
| Washington County Tennessee | 4 | $ 252,000 | $ 63,000 | $ 27,000 |
| Wayne County Illinois | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Wayne County Indiana | 2 | $ 131,000 | $ 65,000 | $ 42,000 |
| Wayne County Kentucky | 1 | $ 73,000 | $ 73,000 | $ 30,000 |
| Wayne County Michigan | 5 | $ 478,000 | $ 95,000 | $ 60,000 |
| Webster County Kentucky | 3 | $ 168,000 | $ 56,000 | $ 30,000 |
| Webster County Missouri | 3 | $ 220,000 | $ 73,000 | $ 50,000 |
| White County Indiana | 5 | $ 319,000 | $ 63,000 | $ 46,000 |
| Whitley County Kentucky | 2 | $ 174,000 | $ 87,000 | $ 37,000 |
| Will County Illinois | 9 | $ 1,011,000 | $ 112,000 | $ 80,000 |
| Wilson County Tennessee | 3 | $ 227,000 | $ 75,000 | $ 57,000 |
| Wyandot County Ohio | 1 | $ 10,000 | $ 10,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Mercantile National Bank Of In in 2004
Loan Purpose | Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 887 | $80,144,000 | $112,333 | $1,200,000 | $85,833 | $1,289,000 |
| Home Purchase | 603 | $65,252,000 | $124,307 | $980,000 | $66,769 | $711,000 |
| Home Improvement | 363 | $10,010,000 | $28,000 | $350,000 | $54,000 | $210,000 |
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 | 1,372 | $118,199,000 | $129,666 | $1,200,000 | $79,533 | $1,289,000 |
| Black or African American | 252 | $16,176,000 | $78,625 | $1,200,000 | $50,250 | $600,000 |
| Hispanic | 167 | $12,129,000 | $87,666 | $319,000 | $57,333 | $750,000 |
| Not Provided | 30 | $3,838,000 | $200,000 | $980,000 | $58,000 | $711,000 |
| Not applicable | 14 | $2,962,000 | $180,000 | $599,000 | $28,500 | $206,000 |
| Asian | 9 | $1,537,000 | $136,500 | $472,000 | $91,000 | $275,000 |
| American Indian or Alaskan Native | 5 | $303,000 | $59,500 | $98,000 | $62,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $262,000 | $65,000 | $148,000 | $66,000 | $183,000 |
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) | 1,852 | $155,381,000 | $120,187 | $1,200,000 | $72,562 | $1,289,000 |
| FHA-insured (Federal Housing Administration) | 1 | $25,000 | $25,000 | $25,000 | $152,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,300 | $113,159,000 | $113,923 | $1,200,000 | $75,076 | $1,289,000 |
| Application Denied By Financial Institution | 293 | $18,244,000 | $82,000 | $1,200,000 | $40,875 | $330,000 |
| Application Approved But Not Accepted | 145 | $9,936,000 | $71,625 | $215,000 | $46,000 | $163,000 |
| Preapproval Denied by Financial Institution | 72 | $8,758,000 | $121,000 | $400,000 | $46,000 | $380,000 |
| Application Withdrawn By Applicant | 22 | $2,225,000 | $101,666 | $330,000 | $77,000 | $600,000 |
| File Closed For Incompleteness | 20 | $2,974,000 | $138,250 | $300,000 | $64,500 | $135,000 |
| Preapproval Approved but not Accepted | 1 | $110,000 | $110,000 | $110,000 | $39,000 | $39,000 |
| Loan Purchased By The 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 | 167 | $8,777,000 | $79,875 | $400,000 | $44,625 | $380,000 |
| Debt-To-Income Ratio | 124 | $12,002,000 | $103,666 | $1,200,000 | $44,500 | $250,000 |
| Other | 31 | $3,412,000 | $99,333 | $250,000 | $57,666 | $330,000 |
| Collateral | 28 | $1,459,000 | $81,000 | $158,000 | $63,500 | $179,000 |
| Employment History | 7 | $633,000 | $83,666 | $144,000 | $42,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $345,000 | $98,500 | $124,000 | $64,000 | $71,000 |
| Unverifiable Information | 3 | $224,000 | $70,000 | $124,000 | $36,000 | $56,000 |
| Credit Application Incomplete | 1 | $150,000 | $150,000 | $150,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mercantile National Bank Of In's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Mercantile National Bank Of In'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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