American Bank Mortgage Lending & HMDA Data, 2008
In 2008, American Bank of Greenbelt, MD reported 3,420 mortgage applications totaling $839.2 million, up 85% from 2007. The average application was for $245,389, and applicants reported an average income of $87,429. 58% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (268), Ann Arbor, MI (169) and Baltimore-Towson, MD (145) (applications in parentheses).
| 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 | 3,420 |
| Total Mortgage Loan Application Amount | $839,233,000 |
| Average Mortgage Loan Application Amount | $245,389 |
| Highest Mortgage Loan Application Amount | $5,600,000 |
| Average Applicant Income | $87,429 |
| Highest Applicant Income | $2,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 268 | $ 84,739,000 | $ 316,190 | $ 103,014 |
| Ann Arbor, MI | 169 | $ 14,266,000 | $ 84,414 | $ 73,000 |
| Baltimore-Towson, MD | 145 | $ 35,073,000 | $ 241,882 | $ 104,000 |
| Bethesda-Frederick-Gaithersburg, MD | 101 | $ 35,088,000 | $ 347,405 | $ 117,000 |
| Chicago-Naperville-Joliet, IL | 95 | $ 24,221,000 | $ 254,957 | $ 83,000 |
| Atlanta-Sandy Springs-Marietta, GA | 79 | $ 16,586,000 | $ 209,949 | $ 76,000 |
| Columbus, OH | 71 | $ 10,811,000 | $ 152,267 | $ 62,000 |
| Albany-Schenectady-Troy, NY | 64 | $ 11,113,000 | $ 173,640 | $ 118,000 |
| New York-White Plains-Wayne, NY-NJ | 62 | $ 22,626,000 | $ 364,935 | $ 160,741 |
| Phoenix-Mesa-Scottsdale, AZ | 56 | $ 11,528,000 | $ 205,857 | $ 50,000 |
| Denver-Aurora, CO | 53 | $ 12,815,000 | $ 241,792 | $ 87,000 |
| Pittsburgh, PA | 51 | $ 9,102,000 | $ 178,470 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 44 | $ 15,398,000 | $ 349,954 | $ 106,000 |
| Charlotte-Gastonia-Concord, NC-SC | 42 | $ 8,952,000 | $ 213,142 | $ 86,000 |
| Philadelphia, PA | 39 | $ 8,084,000 | $ 207,282 | $ 76,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 38 | $ 7,774,000 | $ 204,578 | $ 66,105 |
| San Diego-Carlsbad-San Marcos, CA | 37 | $ 20,441,000 | $ 552,459 | $ 171,000 |
| Las Vegas-Paradise, NV | 35 | $ 13,034,000 | $ 372,400 | $ 84,000 |
| Cincinnati-Middletown, OH-KY-IN | 34 | $ 6,403,000 | $ 188,323 | $ 53,617 |
| Los Angeles-Long Beach-Glendale, CA | 32 | $ 19,496,000 | $ 609,250 | $ 281,000 |
| Boston-Quincy, MA | 28 | $ 7,967,000 | $ 284,535 | $ 109,000 |
| Cleveland-Elyria-Mentor, OH | 27 | $ 4,401,000 | $ 163,000 | $ 53,000 |
| Edison-New Brunswick, NJ | 27 | $ 9,995,000 | $ 370,185 | $ 116,000 |
| Orlando-Kissimmee, FL | 26 | $ 5,797,000 | $ 222,961 | $ 92,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 4,659,000 | $ 186,360 | $ 60,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 24 | $ 5,717,000 | $ 238,208 | $ 82,416 |
| Newark-Union, NJ-PA | 24 | $ 8,120,000 | $ 338,333 | $ 99,166 |
| Oakland-Fremont-Hayward, CA | 23 | $ 11,477,000 | $ 499,000 | $ 143,000 |
| Jacksonville, FL | 21 | $ 4,341,000 | $ 206,714 | $ 28,000 |
| Providence-New Bedford-Fall River, RI-MA | 21 | $ 5,022,000 | $ 239,142 | $ 69,428 |
| Charleston-North Charleston-Summerville, SC | 20 | $ 3,922,000 | $ 196,100 | $ 41,000 |
| Nassau-Suffolk, NY | 19 | $ 6,579,000 | $ 346,263 | $ 97,000 |
| Milwaukee-Waukesha-West Allis, WI | 18 | $ 3,190,000 | $ 177,222 | $ 59,000 |
| York-Hanover, PA | 18 | $ 3,921,000 | $ 217,833 | $ 64,000 |
| St. Louis, MO-IL | 17 | $ 3,042,000 | $ 178,941 | $ 28,294 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 4,590,000 | $ 286,875 | $ 110,000 |
| Richmond, VA | 16 | $ 3,414,000 | $ 213,375 | $ 69,000 |
| Springfield, MA | 16 | $ 2,919,000 | $ 182,437 | $ 79,000 |
| Wilmington, DE-MD-NJ | 16 | $ 4,041,000 | $ 252,562 | $ 89,312 |
| Worcester, MA | 16 | $ 3,871,000 | $ 241,937 | $ 85,000 |
| Albuquerque, NM | 15 | $ 2,699,000 | $ 179,933 | $ 22,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 3,937,000 | $ 262,466 | $ 91,266 |
| Baton Rouge, LA | 15 | $ 2,355,000 | $ 157,000 | $ 85,000 |
| Cambridge-Newton-Framingham, MA | 15 | $ 4,589,000 | $ 305,933 | $ 105,000 |
| Colorado Springs, CO | 15 | $ 3,192,000 | $ 212,800 | $ 10,000 |
| Indianapolis-Carmel, IN | 15 | $ 2,963,000 | $ 197,533 | $ 58,000 |
| New Orleans-Metairie-Kenner, LA | 15 | $ 3,589,000 | $ 239,266 | $ 99,000 |
| Raleigh-Cary, NC | 15 | $ 2,987,000 | $ 199,133 | $ 70,000 |
| Reading, PA | 15 | $ 2,525,000 | $ 168,333 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 15 | $ 6,053,000 | $ 403,533 | $ 143,000 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 4,629,000 | $ 330,642 | $ 124,000 |
| Bradenton-Sarasota-Venice, FL | 13 | $ 3,700,000 | $ 284,615 | $ 91,000 |
| Dayton, OH | 13 | $ 2,236,000 | $ 172,000 | $ 29,000 |
| Warren-Troy-Farmington Hills, MI | 13 | $ 2,536,000 | $ 195,076 | $ 28,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 1,975,000 | $ 164,583 | $ 32,000 |
| Birmingham-Hoover, AL | 12 | $ 1,916,000 | $ 159,666 | $ 49,000 |
| Columbia, SC | 12 | $ 3,053,000 | $ 254,416 | $ 43,000 |
| Portland-South Portland-Biddeford, ME | 12 | $ 2,695,000 | $ 224,583 | $ 64,000 |
| Rockford, IL | 12 | $ 1,853,000 | $ 154,416 | $ 64,000 |
| Hagerstown-Martinsburg, MD-WV | 11 | $ 2,628,000 | $ 238,909 | $ 76,636 |
| Lake County-Kenosha County, IL-WI | 11 | $ 2,134,000 | $ 194,000 | $ 66,636 |
| Manchester-Nashua, NH | 11 | $ 2,623,000 | $ 238,454 | $ 105,000 |
| Louisville-Jefferson County, KY-IN | 10 | $ 1,425,000 | $ 142,500 | $ 86,700 |
| New Haven-Milford, CT | 10 | $ 2,456,000 | $ 245,600 | $ 88,000 |
| Peabody, MA | 10 | $ 3,194,000 | $ 319,400 | $ 108,000 |
| Port St. Lucie, FL | 10 | $ 2,195,000 | $ 219,500 | $ 73,000 |
| Tucson, AZ | 10 | $ 2,070,000 | $ 207,000 | $ 29,000 |
| Barnstable Town, MA | 9 | $ 2,286,000 | $ 254,000 | $ 74,000 |
| Camden, NJ | 9 | $ 2,158,000 | $ 239,777 | $ 49,000 |
| Gary, IN | 9 | $ 1,890,000 | $ 210,000 | $ 72,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 2,472,000 | $ 274,666 | $ 176,000 |
| Houston-Sugar Land-Baytown, TX | 9 | $ 2,243,000 | $ 249,222 | $ 98,000 |
| Kansas City, MO-KS | 9 | $ 2,023,000 | $ 224,777 | $ 323,333 |
| Mobile, AL | 9 | $ 1,104,000 | $ 122,666 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 1,966,000 | $ 218,444 | $ 50,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 9 | $ 3,026,000 | $ 336,222 | $ 110,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 2,876,000 | $ 319,555 | $ 109,000 |
| Bridgeport-Stamford-Norwalk, CT | 8 | $ 7,791,000 | $ 973,875 | $ 336,000 |
| Columbus, GA-AL | 8 | $ 1,517,000 | $ 189,625 | $ 21,875 |
| Fort Collins-Loveland, CO | 8 | $ 1,561,000 | $ 195,125 | $ 89,000 |
| Glens Falls, NY | 8 | $ 1,243,000 | $ 155,375 | $ 78,000 |
| Grand Junction, CO | 8 | $ 1,841,000 | $ 230,125 | $ 58,000 |
| Greensboro-High Point, NC | 8 | $ 1,203,000 | $ 150,375 | $ 52,000 |
| Harrisburg-Carlisle, PA | 8 | $ 1,524,000 | $ 190,500 | $ 89,000 |
| Oklahoma City, OK | 8 | $ 1,717,000 | $ 214,625 | $ 44,000 |
| Reno-Sparks, NV | 8 | $ 2,022,000 | $ 252,750 | $ 42,000 |
| Rockingham County-Strafford County, NH | 8 | $ 2,262,000 | $ 282,750 | $ 123,000 |
| Savannah, GA | 8 | $ 1,528,000 | $ 191,000 | $ 23,000 |
| Tacoma, WA | 8 | $ 3,373,000 | $ 421,625 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,689,000 | $ 241,285 | $ 60,000 |
| Cumberland, MD-WV | 7 | $ 1,141,000 | $ 163,000 | $ 61,000 |
| Des Moines-West Des Moines, IA | 7 | $ 924,000 | $ 132,000 | $ 43,000 |
| Durham, NC | 7 | $ 1,242,000 | $ 177,428 | $ 123,000 |
| Fayetteville, NC | 7 | $ 1,241,000 | $ 177,285 | $ 31,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,506,000 | $ 215,142 | $ 48,000 |
| Ocala, FL | 7 | $ 881,000 | $ 125,857 | $ 68,000 |
| Portland-Vancouver-Beaverton, OR-WA | 7 | $ 1,393,000 | $ 199,000 | $ 38,571 |
| Salt Lake City, UT | 7 | $ 1,310,000 | $ 187,142 | $ 18,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 3,054,000 | $ 436,285 | $ 101,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 6,991,000 | $ 998,714 | $ 304,000 |
| Akron, OH | 6 | $ 1,051,000 | $ 175,166 | $ 62,000 |
| Clarksville, TN-KY | 6 | $ 871,000 | $ 145,166 | $ 0 |
| Dallas-Plano-Irving, TX | 6 | $ 955,000 | $ 159,166 | $ 37,000 |
| Honolulu, HI | 6 | $ 1,963,000 | $ 327,166 | $ 57,000 |
| Madison, WI | 6 | $ 1,027,000 | $ 171,166 | $ 41,000 |
| Medford, OR | 6 | $ 2,299,000 | $ 383,166 | $ 128,000 |
| Racine, WI | 6 | $ 1,411,000 | $ 235,166 | $ 74,000 |
| Spartanburg, SC | 6 | $ 880,000 | $ 146,666 | $ 53,000 |
| Syracuse, NY | 6 | $ 1,087,000 | $ 181,166 | $ 120,000 |
| Anchorage, AK | 5 | $ 1,974,000 | $ 394,800 | $ 77,000 |
| Austin-Round Rock, TX | 5 | $ 604,000 | $ 120,800 | $ 46,000 |
| Bakersfield, CA | 5 | $ 1,419,000 | $ 283,800 | $ 78,000 |
| Cedar Rapids, IA | 5 | $ 900,000 | $ 180,000 | $ 100,000 |
| Chattanooga, TN-GA | 5 | $ 790,000 | $ 158,000 | $ 50,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 927,000 | $ 185,400 | $ 67,000 |
| Dover, DE | 5 | $ 1,078,000 | $ 215,600 | $ 79,000 |
| Evansville, IN-KY | 5 | $ 1,088,000 | $ 217,600 | $ 77,000 |
| Flint, MI | 5 | $ 759,000 | $ 151,800 | $ 57,000 |
| Lexington-Fayette, KY | 5 | $ 1,504,000 | $ 300,800 | $ 139,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 656,000 | $ 131,200 | $ 52,600 |
| Provo-Orem, UT | 5 | $ 1,374,000 | $ 274,800 | $ 0 |
| Stockton, CA | 5 | $ 1,517,000 | $ 303,400 | $ 78,000 |
| Toledo, OH | 5 | $ 796,000 | $ 159,200 | $ 30,000 |
| Winston-Salem, NC | 5 | $ 697,000 | $ 139,400 | $ 40,000 |
| Bellingham, WA | 4 | $ 1,132,000 | $ 283,000 | $ 100,000 |
| Boise City-Nampa, ID | 4 | $ 867,000 | $ 216,750 | $ 11,000 |
| Buffalo-Niagara Falls, NY | 4 | $ 791,000 | $ 197,750 | $ 47,000 |
| Burlington-South Burlington, VT | 4 | $ 970,000 | $ 242,500 | $ 68,000 |
| Cheyenne, WY | 4 | $ 725,000 | $ 181,250 | $ 0 |
| Duluth, MN-WI | 4 | $ 658,000 | $ 164,500 | $ 57,500 |
| Elizabethtown, KY | 4 | $ 719,000 | $ 179,750 | $ 15,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 772,000 | $ 193,000 | $ 33,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 718,000 | $ 179,500 | $ 162,000 |
| Greeley, CO | 4 | $ 743,000 | $ 185,750 | $ 9,000 |
| Knoxville, TN | 4 | $ 864,000 | $ 216,000 | $ 52,000 |
| Lansing-East Lansing, MI | 4 | $ 803,000 | $ 200,750 | $ 102,000 |
| Macon, GA | 4 | $ 778,000 | $ 194,500 | $ 18,000 |
| Memphis, TN-MS-AR | 4 | $ 548,000 | $ 137,000 | $ 56,250 |
| Monroe, LA | 4 | $ 1,164,000 | $ 291,000 | $ 53,000 |
| Norwich-New London, CT | 4 | $ 1,066,000 | $ 266,500 | $ 54,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 868,000 | $ 217,000 | $ 49,000 |
| San Antonio, TX | 4 | $ 629,000 | $ 157,250 | $ 34,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 839,000 | $ 209,750 | $ 64,000 |
| Anderson, SC | 3 | $ 478,000 | $ 159,333 | $ 62,000 |
| Appleton, WI | 3 | $ 435,000 | $ 145,000 | $ 28,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 1,973,000 | $ 657,666 | $ 220,000 |
| Bangor, ME | 3 | $ 508,000 | $ 169,333 | $ 51,000 |
| Bloomington-Normal, IL | 3 | $ 597,000 | $ 199,000 | $ 24,000 |
| Bremerton-Silverdale, WA | 3 | $ 781,000 | $ 260,333 | $ 13,000 |
| Burlington, NC | 3 | $ 626,000 | $ 208,666 | $ 145,000 |
| Canton-Massillon, OH | 3 | $ 364,000 | $ 121,333 | $ 44,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 487,000 | $ 162,333 | $ 20,666 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 666,000 | $ 222,000 | $ 84,000 |
| Eugene-Springfield, OR | 3 | $ 606,000 | $ 202,000 | $ 21,000 |
| Fairbanks, AK | 3 | $ 652,000 | $ 217,333 | $ 30,000 |
| Fort Wayne, IN | 3 | $ 493,000 | $ 164,333 | $ 23,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 462,000 | $ 154,000 | $ 24,000 |
| Gulfport-Biloxi, MS | 3 | $ 581,000 | $ 193,666 | $ 96,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 462,000 | $ 154,000 | $ 42,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 431,000 | $ 143,666 | $ 69,666 |
| Huntsville, AL | 3 | $ 557,000 | $ 185,666 | $ 30,000 |
| Idaho Falls, ID | 3 | $ 776,000 | $ 258,666 | $ 11,000 |
| Jackson, MS | 3 | $ 596,000 | $ 198,666 | $ 21,000 |
| Jacksonville, NC | 3 | $ 543,000 | $ 181,000 | $ 0 |
| Kennewick-Pasco-Richland, WA | 3 | $ 605,000 | $ 201,666 | $ 60,000 |
| Lafayette, LA | 3 | $ 500,000 | $ 166,666 | $ 54,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 641,000 | $ 213,666 | $ 47,000 |
| Lancaster, PA | 3 | $ 467,000 | $ 155,666 | $ 28,000 |
| Las Cruces, NM | 3 | $ 677,000 | $ 225,666 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 509,000 | $ 169,666 | $ 0 |
| Longview, WA | 3 | $ 980,000 | $ 326,666 | $ 105,000 |
| Montgomery, AL | 3 | $ 1,110,000 | $ 370,000 | $ 114,000 |
| Naples-Marco Island, FL | 3 | $ 1,328,000 | $ 442,666 | $ 268,000 |
| Ocean City, NJ | 3 | $ 1,804,000 | $ 601,333 | $ 354,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,662,000 | $ 554,000 | $ 134,000 |
| Panama City-Lynn Haven, FL | 3 | $ 488,000 | $ 162,666 | $ 27,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 448,000 | $ 149,333 | $ 26,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 2,266,000 | $ 755,333 | $ 226,000 |
| Rochester, NY | 3 | $ 474,000 | $ 158,000 | $ 48,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 267,000 | $ 89,000 | $ 32,000 |
| Salem, OR | 3 | $ 646,000 | $ 215,333 | $ 40,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,186,000 | $ 395,333 | $ 109,000 |
| Terre Haute, IN | 3 | $ 303,000 | $ 101,000 | $ 28,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,458,000 | $ 486,000 | $ 93,000 |
| Williamsport, PA | 3 | $ 548,000 | $ 182,666 | $ 86,000 |
| Winchester, VA-WV | 3 | $ 653,000 | $ 217,666 | $ 71,666 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 332,000 | $ 110,666 | $ 38,666 |
| Albany, GA | 2 | $ 294,000 | $ 147,000 | $ 61,000 |
| Altoona, PA | 2 | $ 484,000 | $ 242,000 | $ 71,000 |
| Asheville, NC | 2 | $ 206,000 | $ 103,000 | $ 27,000 |
| Binghamton, NY | 2 | $ 336,000 | $ 168,000 | $ 115,000 |
| Boulder, CO | 2 | $ 773,000 | $ 386,500 | $ 125,000 |
| Brownsville-Harlingen, TX | 2 | $ 367,000 | $ 183,500 | $ 81,000 |
| Brunswick, GA | 2 | $ 260,000 | $ 130,000 | $ 37,000 |
| Corpus Christi, TX | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Dubuque, IA | 2 | $ 244,000 | $ 122,000 | $ 40,000 |
| Eau Claire, WI | 2 | $ 321,000 | $ 160,500 | $ 57,000 |
| Elkhart-Goshen, IN | 2 | $ 197,000 | $ 98,500 | $ 54,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 342,000 | $ 171,000 | $ 17,000 |
| Fort Worth-Arlington, TX | 2 | $ 235,000 | $ 117,500 | $ 19,000 |
| Gainesville, FL | 2 | $ 323,000 | $ 161,500 | $ 46,000 |
| Hanford-Corcoran, CA | 2 | $ 698,000 | $ 349,000 | $ 0 |
| Janesville, WI | 2 | $ 218,000 | $ 109,000 | $ 38,000 |
| Johnson City, TN | 2 | $ 277,000 | $ 138,500 | $ 12,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 318,000 | $ 159,000 | $ 58,000 |
| Kingston, NY | 2 | $ 820,000 | $ 410,000 | $ 63,000 |
| Lafayette, IN | 2 | $ 250,000 | $ 125,000 | $ 18,000 |
| Lewiston-Auburn, ME | 2 | $ 331,000 | $ 165,500 | $ 45,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 298,000 | $ 149,000 | $ 74,000 |
| Morristown, TN | 2 | $ 308,000 | $ 154,000 | $ 78,000 |
| Niles-Benton Harbor, MI | 2 | $ 303,000 | $ 151,500 | $ 47,000 |
| Ogden-Clearfield, UT | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Olympia, WA | 2 | $ 419,000 | $ 209,500 | $ 0 |
| Pascagoula, MS | 2 | $ 209,000 | $ 104,500 | $ 80,000 |
| Prescott, AZ | 2 | $ 400,000 | $ 200,000 | $ 65,000 |
| Pueblo, CO | 2 | $ 340,000 | $ 170,000 | $ 55,000 |
| Roanoke, VA | 2 | $ 585,000 | $ 292,500 | $ 109,000 |
| Rochester, MN | 2 | $ 254,000 | $ 127,000 | $ 63,000 |
| Salinas, CA | 2 | $ 5,505,000 | $ 2,752,500 | $ 1,020,000 |
| Santa Fe, NM | 2 | $ 339,000 | $ 169,500 | $ 29,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 571,000 | $ 285,500 | $ 74,000 |
| Shreveport-Bossier City, LA | 2 | $ 365,000 | $ 182,500 | $ 48,000 |
| St. George, UT | 2 | $ 289,000 | $ 144,500 | $ 169,000 |
| Sumter, SC | 2 | $ 283,000 | $ 141,500 | $ 0 |
| Tallahassee, FL | 2 | $ 685,000 | $ 342,500 | $ 121,000 |
| Topeka, KS | 2 | $ 180,000 | $ 90,000 | $ 86,000 |
| Tulsa, OK | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Waterloo-Cedar Falls, IA | 2 | $ 286,000 | $ 143,000 | $ 974,000 |
| Wausau, WI | 2 | $ 254,000 | $ 127,000 | $ 48,000 |
| Yuba City, CA | 2 | $ 601,000 | $ 300,500 | $ 39,000 |
| Auburn-Opelika, AL | 1 | $ 232,000 | $ 232,000 | $ 82,000 |
| Beaumont-Port Arthur, TX | 1 | $ 111,000 | $ 111,000 | $ 57,000 |
| Bend, OR | 1 | $ 160,000 | $ 160,000 | $ 33,000 |
| Billings, MT | 1 | $ 273,000 | $ 273,000 | $ 91,000 |
| Bismarck, ND | 1 | $ 206,000 | $ 206,000 | $ 110,000 |
| Carson City, NV | 1 | $ 920,000 | $ 920,000 | $ 154,000 |
| Casper, WY | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Champaign-Urbana, IL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Charleston, WV | 1 | $ 257,000 | $ 257,000 | $ 86,000 |
| Charlottesville, VA | 1 | $ 163,000 | $ 163,000 | $ 86,000 |
| Chico, CA | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Cleveland, TN | 1 | $ 236,000 | $ 236,000 | $ 64,000 |
| Coeur D'Alene, ID | 1 | $ 166,000 | $ 166,000 | $ 21,000 |
| Columbus, IN | 1 | $ 138,000 | $ 138,000 | $ 112,000 |
| Dalton, GA | 1 | $ 258,000 | $ 258,000 | $ 61,000 |
| Danville, IL | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Decatur, IL | 1 | $ 214,000 | $ 214,000 | $ 150,000 |
| Erie, PA | 1 | $ 173,000 | $ 173,000 | $ 91,000 |
| Fargo, ND-MN | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Farmington, NM | 1 | $ 246,000 | $ 246,000 | $ 83,000 |
| Flagstaff, AZ | 1 | $ 274,000 | $ 274,000 | $ 42,000 |
| Fort Smith, AR-OK | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Goldsboro, NC | 1 | $ 104,000 | $ 104,000 | $ 33,000 |
| Green Bay, WI | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Greenville, NC | 1 | $ 161,000 | $ 161,000 | $ 71,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 144,000 | $ 144,000 | $ 49,000 |
| Iowa City, IA | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Jackson, MI | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Jackson, TN | 1 | $ 116,000 | $ 116,000 | $ 84,000 |
| Johnstown, PA | 1 | $ 191,000 | $ 191,000 | $ 61,000 |
| Joplin, MO | 1 | $ 144,000 | $ 144,000 | $ 76,000 |
| Kalamazoo-Portage, MI | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Kankakee-Bradley, IL | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Kokomo, IN | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Lake Charles, LA | 1 | $ 125,000 | $ 125,000 | $ 25,000 |
| Lincoln, NE | 1 | $ 172,000 | $ 172,000 | $ 60,000 |
| Longview, TX | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Lynchburg, VA | 1 | $ 74,000 | $ 74,000 | $ 46,000 |
| Mansfield, OH | 1 | $ 185,000 | $ 185,000 | $ 600,000 |
| Midland, TX | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Monroe, MI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Muncie, IN | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Napa, CA | 1 | $ 1,177,000 | $ 1,177,000 | $ 0 |
| Palm Coast, FL | 1 | $ 141,000 | $ 141,000 | $ 65,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Peoria, IL | 1 | $ 58,000 | $ 58,000 | $ 50,000 |
| Pocatello, ID | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 85,000 | $ 85,000 | $ 33,000 |
| Rapid City, SD | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Rome, GA | 1 | $ 242,000 | $ 242,000 | $ 59,000 |
| Salisbury, MD | 1 | $ 274,000 | $ 274,000 | $ 60,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 1,647,000 | $ 1,647,000 | $ 1,788,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Springfield, MO | 1 | $ 129,000 | $ 129,000 | $ 91,000 |
| St. Cloud, MN | 1 | $ 248,000 | $ 248,000 | $ 69,000 |
| State College, PA | 1 | $ 168,000 | $ 168,000 | $ 150,000 |
| Trenton-Ewing, NJ | 1 | $ 328,000 | $ 328,000 | $ 151,000 |
| Utica-Rome, NY | 1 | $ 122,000 | $ 122,000 | $ 74,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 200,000 | $ 200,000 | $ 180,000 |
| Visalia-Porterville, CA | 1 | $ 208,000 | $ 208,000 | $ 55,000 |
| Waco, TX | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Warner Robins, GA | 1 | $ 149,000 | $ 149,000 | $ 112,000 |
| Wichita, KS | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Wilmington, NC | 1 | $ 202,000 | $ 202,000 | $ 77,000 |
| Yakima, WA | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Yuma, AZ | 1 | $ 141,000 | $ 141,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for American Bank in 2008
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 | 2,694 | $655,976,000 | $243,000 | $5,600,000 | $80,000 | $2,500,000 |
| Home Purchase | 726 | $183,257,000 | $252,000 | $1,819,000 | $115,000 | $2,400,000 |
| 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 | 1,992 | $479,683,000 | $240,000 | $3,925,000 | $91,000 | $2,496,000 |
| Not Provided | 702 | $178,937,000 | $254,000 | $5,600,000 | $84,000 | $1,722,000 |
| Black or African American | 435 | $105,561,000 | $242,000 | $2,992,000 | $79,000 | $2,500,000 |
| Hispanic | 213 | $51,861,000 | $243,000 | $695,000 | $72,000 | $576,000 |
| Asian | 62 | $20,027,000 | $323,000 | $5,500,000 | $111,000 | $1,320,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,824,000 | $217,000 | $390,000 | $188,000 | $549,000 |
| American Indian or Alaskan Native | 3 | $340,000 | $113,000 | $155,000 | $28,000 | $48,000 |
| 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) | 1,627 | $452,623,000 | $278,000 | $5,600,000 | $122,000 | $2,500,000 |
| FHA-insured (Federal Housing Administration) | 1,311 | $281,701,000 | $214,000 | $730,000 | $74,000 | $1,919,000 |
| VA-guaranteed (Veterans Administration) | 482 | $104,909,000 | $217,000 | $613,000 | $7,000 | $600,000 |
| 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 Originated | 1,976 | $442,567,000 | $223,000 | $1,819,000 | $72,000 | $2,500,000 |
| File Closed For Incompleteness | 624 | $157,643,000 | $252,000 | $5,600,000 | $109,000 | $2,496,000 |
| Application Denied By Financial Institution | 606 | $186,284,000 | $307,000 | $4,600,000 | $120,000 | $2,307,000 |
| Application Withdrawn By Applicant | 176 | $45,938,000 | $261,000 | $1,125,000 | $72,000 | $425,000 |
| Application Approved But Not Accepted | 38 | $6,801,000 | $178,000 | $310,000 | $59,000 | $576,000 |
| 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 | 143 | $52,906,000 | $369,000 | $4,600,000 | $154,000 | $2,307,000 |
| Debt-To-Income Ratio | 116 | $32,998,000 | $284,000 | $800,000 | $80,000 | $343,000 |
| Credit History | 115 | $26,439,000 | $229,000 | $1,609,000 | $79,000 | $929,000 |
| Other | 110 | $35,132,000 | $319,000 | $3,925,000 | $138,000 | $1,143,000 |
| Unverifiable Information | 45 | $13,555,000 | $301,000 | $1,000,000 | $133,000 | $600,000 |
| Employment History | 27 | $7,086,000 | $262,000 | $648,000 | $126,000 | $247,000 |
| Credit Application Incomplete | 21 | $7,469,000 | $355,000 | $1,884,000 | $114,000 | $540,000 |
| Mortgage Insurance Denied | 19 | $4,760,000 | $250,000 | $763,000 | $152,000 | $549,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $5,939,000 | $593,000 | $3,425,000 | $230,000 | $960,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank's 2008 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.
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