American Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
American Bank 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 | American Bank 9001 Edmonston Road, Suite 100 Greenbelt, MD 20770 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,102 |
| Total Mortgage Loan Application Amount | $228,239,000 |
| Average Mortgage Loan Application Amount | $247,176 |
| Highest Mortgage Loan Application Amount | $980,000 |
| Average Applicant Income | $84,529 |
| Highest Applicant Income | $858,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with American Bank. 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 American Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down American Bank'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 American Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by American Bank, 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 American Bank'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 |
|---|---|---|---|---|
| Fairfax County Virginia | 218 | $ 46,419,000 | $ 212,000 | $ 93,000 |
| Montgomery County Maryland | 141 | $ 31,553,000 | $ 223,000 | $ 101,000 |
| Prince William County Virginia | 136 | $ 28,984,000 | $ 213,000 | $ 91,000 |
| Prince George's County Maryland | 107 | $ 23,264,000 | $ 217,000 | $ 95,000 |
| Loudoun County Virginia | 67 | $ 14,771,000 | $ 220,000 | $ 84,000 |
| Anne Arundel County Maryland | 62 | $ 12,890,000 | $ 207,000 | $ 92,000 |
| District of Columbia County District Of Columbia | 31 | $ 8,557,000 | $ 276,000 | $ 107,000 |
| Frederick County Maryland | 30 | $ 4,804,000 | $ 160,000 | $ 86,000 |
| Manassas County Virginia | 25 | $ 4,204,000 | $ 168,000 | $ 63,000 |
| Baltimore County Maryland | 21 | $ 3,681,000 | $ 175,000 | $ 79,000 |
| Fauquier County Virginia | 19 | $ 4,242,000 | $ 223,000 | $ 121,000 |
| Virginia Beach County Virginia | 17 | $ 4,471,000 | $ 263,000 | $ 172,000 |
| Sussex County Delaware | 16 | $ 3,683,000 | $ 230,000 | $ 98,000 |
| Howard County Maryland | 15 | $ 3,694,000 | $ 246,000 | $ 85,000 |
| Arlington County Virginia | 15 | $ 3,584,000 | $ 238,000 | $ 100,000 |
| Culpeper County Virginia | 15 | $ 2,315,000 | $ 154,000 | $ 54,000 |
| Kent County Delaware | 13 | $ 858,000 | $ 66,000 | $ 46,000 |
| Alexandria County Virginia | 11 | $ 2,271,000 | $ 206,000 | $ 54,000 |
| Baltimore City County Maryland | 8 | $ 1,120,000 | $ 140,000 | $ 111,000 |
| Charles County Maryland | 8 | $ 1,025,000 | $ 128,000 | $ 73,000 |
| Chesapeake County Virginia | 8 | $ 2,254,000 | $ 281,000 | $ 109,000 |
| Manassas Park County Virginia | 8 | $ 1,187,000 | $ 148,000 | $ 67,000 |
| Suffolk County Virginia | 8 | $ 1,004,000 | $ 125,000 | $ 62,000 |
| Calvert County Maryland | 7 | $ 1,163,000 | $ 166,000 | $ 70,000 |
| Queen Anne's County Maryland | 7 | $ 871,000 | $ 124,000 | $ 68,000 |
| Worcester County Maryland | 7 | $ 1,374,000 | $ 196,000 | $ 198,000 |
| Stafford County Virginia | 7 | $ 1,557,000 | $ 222,000 | $ 64,000 |
| Harford County Maryland | 6 | $ 992,000 | $ 165,000 | $ 86,000 |
| New Castle County Delaware | 4 | $ 675,000 | $ 168,000 | $ 77,000 |
| Carroll County Maryland | 4 | $ 521,000 | $ 130,000 | $ 75,000 |
| York County Pennsylvania | 4 | $ 325,000 | $ 81,000 | $ 62,000 |
| Falls Church County Virginia | 4 | $ 620,000 | $ 155,000 | $ 60,000 |
| Henrico County Virginia | 4 | $ 338,000 | $ 84,000 | $ 84,000 |
| Montgomery County Pennsylvania | 3 | $ 736,000 | $ 245,000 | $ 136,000 |
| Chesterfield County Virginia | 3 | $ 535,000 | $ 178,000 | $ 63,000 |
| Fairfax City County Virginia | 3 | $ 927,000 | $ 309,000 | $ 124,000 |
| Cecil County Maryland | 2 | $ 285,000 | $ 142,000 | $ 98,000 |
| Washington County Maryland | 2 | $ 150,000 | $ 75,000 | $ 43,000 |
| Iredell County North Carolina | 2 | $ 870,000 | $ 435,000 | $ 193,000 |
| Dauphin County Pennsylvania | 2 | $ 235,000 | $ 117,000 | $ 72,000 |
| Amelia County Virginia | 2 | $ 138,000 | $ 69,000 | $ 71,000 |
| Franklin City County Virginia | 2 | $ 255,000 | $ 127,000 | $ 109,000 |
| Frederick County Virginia | 2 | $ 169,000 | $ 84,000 | $ 67,000 |
| Norfolk County Virginia | 2 | $ 251,000 | $ 125,000 | $ 84,000 |
| Portsmouth County Virginia | 2 | $ 124,000 | $ 62,000 | $ 31,000 |
| Spotsylvania County Virginia | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Broward County Florida | 1 | $ 170,000 | $ 170,000 | $ 58,000 |
| Highlands County Florida | 1 | $ 130,000 | $ 130,000 | $ 96,000 |
| Indian River County Florida | 1 | $ 387,000 | $ 387,000 | $ 380,000 |
| Barnstable County Massachusetts | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 93,000 | $ 93,000 | $ 84,000 |
| Allegheny County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 59,000 |
| Chester County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 44,000 |
| Monroe County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Accomack County Virginia | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Hampton County Virginia | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Orange County Virginia | 1 | $ 184,000 | $ 184,000 | $ 91,000 |
| Page County Virginia | 1 | $ 194,000 | $ 194,000 | $ 199,000 |
| Berkeley County West Virginia | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Tucker County West Virginia | 1 | $ 183,000 | $ 183,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 900 | $181,131,000 | $281,666 | $894,000 | $83,444 | $858,000 |
| Refinancing | 202 | $47,108,000 | $208,375 | $980,000 | $85,750 | $380,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 420 | $79,547,000 | $169,333 | $600,000 | $78,000 | $858,000 |
| White | 393 | $82,829,000 | $201,750 | $980,000 | $98,000 | $444,000 |
| Black or African American | 159 | $36,925,000 | $257,200 | $894,000 | $105,400 | $354,000 |
| Not Provided | 68 | $15,510,000 | $218,833 | $650,000 | $136,000 | $354,000 |
| Asian | 56 | $11,627,000 | $286,666 | $515,000 | $129,666 | $229,000 |
| American Indian or Alaskan Native | 4 | $593,000 | $148,000 | $385,000 | $47,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $408,000 | $408,000 | $408,000 | $113,000 | $113,000 |
| Not applicable | 1 | $800,000 | $800,000 | $800,000 | $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) | 1,102 | $228,239,000 | $280,000 | $980,000 | $81,333 | $858,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 908 | $187,020,000 | $299,444 | $800,000 | $109,222 | $858,000 |
| Application Approved But Not Accepted | 106 | $21,330,000 | $170,800 | $800,000 | $72,600 | $240,000 |
| Application Denied By Financial Institution | 55 | $10,785,000 | $208,200 | $699,000 | $65,000 | $444,000 |
| Application Withdrawn By Applicant | 32 | $8,594,000 | $245,250 | $980,000 | $111,000 | $360,000 |
| File Closed For Incompleteness | 1 | $510,000 | $510,000 | $510,000 | $97,000 | $97,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 19 | $3,528,000 | $178,333 | $500,000 | $86,666 | $144,000 |
| Employment History | 11 | $1,697,000 | $151,500 | $507,000 | $78,000 | $134,000 |
| Other | 11 | $2,940,000 | $244,666 | $699,000 | $82,333 | $444,000 |
| Credit History | 7 | $1,328,000 | $255,666 | $461,000 | $32,666 | $96,000 |
| Unverifiable Information | 4 | $776,000 | $194,000 | $379,000 | $110,000 | $151,000 |
| Debt-To-Income Ratio | 3 | $516,000 | $172,000 | $256,000 | $54,000 | $63,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank'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 American 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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.