Aig Federal Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, Aig Federal Savings Bank of Wilmington, DE reported 440 mortgage applications totaling $73.9 million. The average application was for $167,897, and applicants reported an average income of $86,650. 19% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Wilmington, DE-MD-NJ (68), New York-White Plains-Wayne, NY-NJ (28) and Chicago-Joliet-Naperville, IL (15) (applications in parentheses).
| Mortgage Company & Address | Aig Federal Savings Bank 600 N King Street, Suite 2 Wilmington, DE 19801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 |
| Total Number of Mortgage Applications | 440 |
| Total Mortgage Loan Application Amount | $73,875,000 |
| Average Mortgage Loan Application Amount | $167,897 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $86,650 |
| Highest Applicant Income | $1,344,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Aig Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wilmington, DE-MD-NJ | 68 | $ 11,013,000 | $ 161,955 | $ 69,161 |
| New York-White Plains-Wayne, NY-NJ | 28 | $ 7,589,000 | $ 271,035 | $ 114,071 |
| Chicago-Joliet-Naperville, IL | 15 | $ 2,516,000 | $ 167,733 | $ 88,000 |
| Nassau-Suffolk, NY | 15 | $ 3,288,000 | $ 219,200 | $ 84,000 |
| Philadelphia, PA | 11 | $ 3,065,000 | $ 278,636 | $ 125,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,043,000 | $ 130,375 | $ 108,000 |
| Newark-Union, NJ-PA | 8 | $ 1,542,000 | $ 192,750 | $ 111,500 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 1,948,000 | $ 243,500 | $ 115,500 |
| Phoenix-Mesa-Glendale, AZ | 7 | $ 1,030,000 | $ 147,142 | $ 80,000 |
| St. Louis, MO-IL | 6 | $ 781,000 | $ 130,166 | $ 74,166 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 975,000 | $ 195,000 | $ 107,000 |
| Birmingham-Hoover, AL | 5 | $ 494,000 | $ 98,800 | $ 73,000 |
| New Orleans-Metairie-Kenner, LA | 5 | $ 519,000 | $ 103,800 | $ 68,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 758,000 | $ 151,600 | $ 97,000 |
| Raleigh-Cary, NC | 5 | $ 521,000 | $ 104,200 | $ 104,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 4 | $ 434,000 | $ 108,500 | $ 109,000 |
| Edison-New Brunswick, NJ | 4 | $ 597,000 | $ 149,250 | $ 75,000 |
| Las Vegas-Paradise, NV | 4 | $ 783,000 | $ 195,750 | $ 72,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 388,000 | $ 97,000 | $ 46,000 |
| Syracuse, NY | 4 | $ 831,000 | $ 207,750 | $ 203,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 347,000 | $ 115,666 | $ 59,000 |
| Albuquerque, NM | 3 | $ 791,000 | $ 263,666 | $ 137,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 154,000 | $ 51,333 | $ 46,000 |
| Columbia, SC | 3 | $ 203,000 | $ 67,666 | $ 62,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 1,279,000 | $ 426,333 | $ 175,000 |
| Jackson, MS | 3 | $ 191,000 | $ 63,666 | $ 46,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 217,000 | $ 72,333 | $ 52,000 |
| Mobile, AL | 3 | $ 256,000 | $ 85,333 | $ 33,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,098,000 | $ 366,000 | $ 99,000 |
| Tucson, AZ | 3 | $ 428,000 | $ 142,666 | $ 93,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 211,000 | $ 105,500 | $ 99,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 279,000 | $ 139,500 | $ 55,000 |
| Baltimore-Towson, MD | 2 | $ 219,000 | $ 109,500 | $ 115,000 |
| Baton Rouge, LA | 2 | $ 308,000 | $ 154,000 | $ 62,000 |
| Boise City-Nampa, ID | 2 | $ 217,000 | $ 108,500 | $ 45,000 |
| Boston-Quincy, MA | 2 | $ 553,000 | $ 276,500 | $ 66,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 584,000 | $ 292,000 | $ 79,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 452,000 | $ 226,000 | $ 125,000 |
| Farmington, NM | 2 | $ 120,000 | $ 60,000 | $ 38,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 278,000 | $ 139,000 | $ 95,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 177,000 | $ 88,500 | $ 41,000 |
| Huntsville, AL | 2 | $ 412,000 | $ 206,000 | $ 94,000 |
| Indianapolis-Carmel, IN | 2 | $ 97,000 | $ 48,500 | $ 40,000 |
| Jacksonville, FL | 2 | $ 374,000 | $ 187,000 | $ 33,000 |
| Kansas City, MO-KS | 2 | $ 104,000 | $ 52,000 | $ 107,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 273,000 | $ 136,500 | $ 157,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 410,000 | $ 205,000 | $ 102,000 |
| Ocean City, NJ | 2 | $ 753,000 | $ 376,500 | $ 324,000 |
| Oklahoma City, OK | 2 | $ 114,000 | $ 57,000 | $ 66,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 315,000 | $ 157,500 | $ 64,000 |
| Punta Gorda, FL | 2 | $ 128,000 | $ 64,000 | $ 57,000 |
| Reno-Sparks, NV | 2 | $ 326,000 | $ 163,000 | $ 217,000 |
| Rockingham County-Strafford County, NH | 2 | $ 440,000 | $ 220,000 | $ 104,000 |
| Salt Lake City, UT | 2 | $ 406,000 | $ 203,000 | $ 48,000 |
| San Antonio-New Braunfels, TX | 2 | $ 433,000 | $ 216,500 | $ 104,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 196,000 | $ 98,000 | $ 72,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 517,000 | $ 258,500 | $ 79,000 |
| Savannah, GA | 2 | $ 455,000 | $ 227,500 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 416,000 | $ 208,000 | $ 118,000 |
| Springfield, MA | 2 | $ 125,000 | $ 62,500 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 177,000 | $ 88,500 | $ 81,000 |
| Trenton-Ewing, NJ | 2 | $ 716,000 | $ 358,000 | $ 195,000 |
| Tulsa, OK | 2 | $ 270,000 | $ 135,000 | $ 119,000 |
| Alexandria, LA | 1 | $ 173,000 | $ 173,000 | $ 30,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 147,000 | $ 147,000 | $ 40,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 349,000 | $ 349,000 | $ 129,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 340,000 | $ 340,000 | $ 100,000 |
| Binghamton, NY | 1 | $ 96,000 | $ 96,000 | $ 35,000 |
| Bremerton-Silverdale, WA | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Brownsville-Harlingen, TX | 1 | $ 78,000 | $ 78,000 | $ 70,000 |
| Burlington-South Burlington, VT | 1 | $ 506,000 | $ 506,000 | $ 1,344,000 |
| Camden, NJ | 1 | $ 130,000 | $ 130,000 | $ 74,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 133,000 | $ 133,000 | $ 24,000 |
| Cedar Rapids, IA | 1 | $ 238,000 | $ 238,000 | $ 127,000 |
| Charlottesville, VA | 1 | $ 28,000 | $ 28,000 | $ 65,000 |
| Cheyenne, WY | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 49,000 | $ 49,000 | $ 135,000 |
| Columbus, OH | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Corpus Christi, TX | 1 | $ 139,000 | $ 139,000 | $ 88,000 |
| Dallas-Plano-Irving, TX | 1 | $ 143,000 | $ 143,000 | $ 99,000 |
| Dayton, OH | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
| Des Moines-West Des Moines, IA | 1 | $ 113,000 | $ 113,000 | $ 25,000 |
| Dothan, AL | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Fort Wayne, IN | 1 | $ 62,000 | $ 62,000 | $ 15,000 |
| Gainesville, GA | 1 | $ 330,000 | $ 330,000 | $ 150,000 |
| Gary, IN | 1 | $ 237,000 | $ 237,000 | $ 101,000 |
| Grand Forks, ND-MN | 1 | $ 169,000 | $ 169,000 | $ 68,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Lafayette, LA | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 131,000 | $ 131,000 | $ 124,000 |
| Lexington-Fayette, KY | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 224,000 | $ 224,000 | $ 65,000 |
| Madison, WI | 1 | $ 250,000 | $ 250,000 | $ 228,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Missoula, MT | 1 | $ 216,000 | $ 216,000 | $ 10,000 |
| Montgomery, AL | 1 | $ 177,000 | $ 177,000 | $ 29,000 |
| Naples-Marco Island, FL | 1 | $ 89,000 | $ 89,000 | $ 143,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 350,000 | $ 350,000 | $ 118,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 47,000 | $ 47,000 | $ 25,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 373,000 | $ 373,000 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Palm Coast, FL | 1 | $ 100,000 | $ 100,000 | $ 92,000 |
| Peoria, IL | 1 | $ 186,000 | $ 186,000 | $ 83,000 |
| Pittsburgh, PA | 1 | $ 140,000 | $ 140,000 | $ 69,000 |
| Port St. Lucie, FL | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Richmond, VA | 1 | $ 450,000 | $ 450,000 | $ 67,000 |
| Rochester, MN | 1 | $ 150,000 | $ 150,000 | $ 125,000 |
| Rochester, NY | 1 | $ 86,000 | $ 86,000 | $ 225,000 |
| Rockford, IL | 1 | $ 137,000 | $ 137,000 | $ 85,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 52,000 | $ 52,000 | $ 86,000 |
| Salisbury, MD | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 800,000 | $ 800,000 | $ 53,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 209,000 | $ 209,000 | $ 85,000 |
| Terre Haute, IN | 1 | $ 33,000 | $ 33,000 | $ 13,000 |
| Toledo, OH | 1 | $ 95,000 | $ 95,000 | $ 21,000 |
| Vallejo-Fairfield, CA | 1 | $ 225,000 | $ 225,000 | $ 35,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 163,000 | $ 163,000 | $ 124,000 |
| Williamsport, PA | 1 | $ 171,000 | $ 171,000 | $ 99,000 |
| Winchester, VA-WV | 1 | $ 280,000 | $ 280,000 | $ 61,000 |
| Yakima, WA | 1 | $ 82,000 | $ 82,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Aig Federal Savings Bank in 2011
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 | 374 | $62,169,000 | $166,000 | $800,000 | $88,000 | $1,344,000 |
| Home Purchase | 66 | $11,706,000 | $177,000 | $698,000 | $79,000 | $242,000 |
| 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 | 271 | $47,788,000 | $176,000 | $800,000 | $90,000 | $1,344,000 |
| Not Provided | 93 | $15,871,000 | $170,000 | $698,000 | $96,000 | $300,000 |
| Black or African American | 30 | $3,450,000 | $115,000 | $800,000 | $56,000 | $150,000 |
| Asian | 21 | $3,686,000 | $175,000 | $450,000 | $72,000 | $125,000 |
| Hispanic | 18 | $2,449,000 | $136,000 | $330,000 | $64,000 | $150,000 |
| American Indian or Alaskan Native | 6 | $406,000 | $67,000 | $184,000 | $59,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $35,000 | $35,000 |
| 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) | 410 | $68,555,000 | $167,000 | $800,000 | $88,000 | $1,344,000 |
| FHA-insured (Federal Housing Administration) | 29 | $5,199,000 | $179,000 | $529,000 | $62,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 1 | $121,000 | $121,000 | $121,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 187 | $31,317,000 | $167,000 | $800,000 | $76,000 | $1,344,000 |
| Loan Originated | 82 | $12,638,000 | $154,000 | $675,000 | $100,000 | $601,000 |
| Application Withdrawn By Applicant | 67 | $13,054,000 | $194,000 | $529,000 | $105,000 | $300,000 |
| Loan Purchased By The Institution | 65 | $10,535,000 | $162,000 | $333,000 | $68,000 | $267,000 |
| File Closed For Incompleteness | 34 | $5,762,000 | $169,000 | $453,000 | $108,000 | $267,000 |
| Application Approved But Not Accepted | 5 | $569,000 | $113,000 | $167,000 | $66,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 93 | $16,223,000 | $174,000 | $800,000 | $51,000 | $172,000 |
| Credit History | 44 | $5,390,000 | $122,000 | $524,000 | $68,000 | $194,000 |
| Other | 20 | $4,594,000 | $229,000 | $698,000 | $169,000 | $1,344,000 |
| Collateral | 17 | $2,962,000 | $174,000 | $563,000 | $116,000 | $348,000 |
| Credit Application Incomplete | 12 | $2,070,000 | $172,000 | $417,000 | $97,000 | $220,000 |
| Employment History | 1 | $78,000 | $78,000 | $78,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Aig Federal Savings Bank's 2011 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 Aig Federal Savings 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.
For a list of all lenders in Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
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