American Bank Mortgage Lending & HMDA Data, 2012

In 2012, American Bank of Greenbelt, MD reported 7,882 mortgage applications totaling $1.5 billion, up 29% from 2011. The average application was for $192,827, and applicants reported an average income of $73,353. 41% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (511), Baltimore-Towson, MD (218) and Atlanta-Sandy Springs-Marietta, GA (211) (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 2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 7,882
Total Mortgage Loan Application Amount $1,519,870,000
Average Mortgage Loan Application Amount $192,827
Highest Mortgage Loan Application Amount $1,696,000
Average Applicant Income $73,353
Highest Applicant Income $9,999,000

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Act (HMDA) records American Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for American Bank by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Montgomery, Maryland 135 $ 40,476,000 $ 299,822 $ 235,000
Prince George's, Maryland 132 $ 29,656,000 $ 224,666 $ 82,000
Fairfax, Virginia 113 $ 41,721,000 $ 369,212 $ 120,000
Franklin, Ohio 110 $ 20,306,000 $ 184,600 $ 72,000
Maricopa, Arizona 66 $ 9,905,000 $ 150,075 $ 49,000
District of Columbia, District Of Columbia 60 $ 20,677,000 $ 344,616 $ 104,000
Cook, Illinois 57 $ 9,887,000 $ 173,456 $ 66,000
Hennepin, Minnesota 56 $ 12,497,000 $ 223,160 $ 76,000
Prince William, Virginia 56 $ 14,757,000 $ 263,517 $ 84,000
Anne Arundel, Maryland 55 $ 16,370,000 $ 297,636 $ 105,000
Baltimore, Maryland 54 $ 11,897,000 $ 220,314 $ 66,000
Clark, Nevada 53 $ 8,506,000 $ 160,490 $ 47,000
Jefferson, Kentucky 48 $ 7,008,000 $ 146,000 $ 49,000
Marion, Indiana 46 $ 6,733,000 $ 146,369 $ 65,000
Summit, Ohio 42 $ 7,013,000 $ 166,976 $ 79,000
Polk, Iowa 40 $ 6,607,000 $ 165,175 $ 56,000
Cuyahoga, Ohio 40 $ 6,773,000 $ 169,325 $ 69,000
Ocean, New Jersey 39 $ 9,075,000 $ 232,692 $ 91,000
Wake, North Carolina 36 $ 7,551,000 $ 209,750 $ 75,000
Berks, Pennsylvania 35 $ 5,704,000 $ 162,971 $ 73,000
El Paso, Colorado 33 $ 5,160,000 $ 156,363 $ 56,000
Monmouth, New Jersey 33 $ 9,478,000 $ 287,212 $ 105,000
Mecklenburg, North Carolina 33 $ 6,406,000 $ 194,121 $ 82,000
Virginia Beach, Virginia 33 $ 7,571,000 $ 229,424 $ 45,000
Frederick, Maryland 32 $ 8,943,000 $ 279,468 $ 86,000
Cumberland, North Carolina 32 $ 3,954,000 $ 123,562 $ 23,000
Loudoun, Virginia 32 $ 12,738,000 $ 398,062 $ 112,000
Los Angeles, California 31 $ 9,641,000 $ 311,000 $ 94,000
Gwinnett, Georgia 31 $ 6,041,000 $ 194,870 $ 83,000
Howard, Maryland 31 $ 8,889,000 $ 286,741 $ 166,000
Butler, Ohio 31 $ 6,195,000 $ 199,838 $ 86,000
Chesterfield, Virginia 31 $ 6,744,000 $ 217,548 $ 60,000
Middlesex, New Jersey 30 $ 7,358,000 $ 245,266 $ 89,000
Nassau, New York 30 $ 7,840,000 $ 261,333 $ 107,000
Stark, Ohio 30 $ 4,356,000 $ 145,200 $ 62,000
Cobb, Georgia 29 $ 6,112,000 $ 210,758 $ 80,000
Camden, New Jersey 29 $ 4,672,000 $ 161,103 $ 96,000
Essex, New Jersey 29 $ 5,930,000 $ 204,482 $ 82,000
Passaic, New Jersey 29 $ 6,238,000 $ 215,103 $ 60,000
Queens, New York 29 $ 7,676,000 $ 264,689 $ 91,000
Philadelphia, Pennsylvania 29 $ 4,020,000 $ 138,620 $ 51,000
Bergen, New Jersey 28 $ 8,449,000 $ 301,750 $ 140,000
Suffolk, New York 28 $ 6,834,000 $ 244,071 $ 108,000
Harford, Maryland 27 $ 5,319,000 $ 197,000 $ 68,000
Hamilton, Ohio 27 $ 4,448,000 $ 164,740 $ 74,000
Allegheny, Pennsylvania 27 $ 3,745,000 $ 138,703 $ 86,000
Charles, Maryland 26 $ 6,414,000 $ 246,692 $ 70,000
Union, New Jersey 26 $ 5,321,000 $ 204,653 $ 82,000
Erie, New York 26 $ 3,498,000 $ 134,538 $ 66,000
Delaware, Ohio 26 $ 6,265,000 $ 240,961 $ 99,000
Montgomery, Pennsylvania 26 $ 5,590,000 $ 215,000 $ 97,000
Pima, Arizona 25 $ 3,739,000 $ 149,560 $ 43,000
Hartford, Connecticut 25 $ 4,494,000 $ 179,760 $ 96,000
Hamilton, Indiana 25 $ 5,189,000 $ 207,560 $ 84,000
Licking, Ohio 25 $ 4,583,000 $ 183,320 $ 69,000
Delaware, Pennsylvania 25 $ 4,722,000 $ 188,880 $ 90,000
Lake, Indiana 24 $ 4,370,000 $ 182,083 $ 74,000
Fulton, Georgia 23 $ 3,795,000 $ 165,000 $ 69,000
Baltimore City, Maryland 23 $ 2,951,000 $ 128,304 $ 72,000
Montgomery, Ohio 23 $ 3,648,000 $ 158,608 $ 63,000
Carroll, Maryland 22 $ 5,992,000 $ 272,363 $ 94,000
Dakota, Minnesota 22 $ 4,670,000 $ 212,272 $ 86,000
Morris, New Jersey 22 $ 6,885,000 $ 312,954 $ 109,000
Lorain, Ohio 22 $ 4,145,000 $ 188,409 $ 71,000
Chesapeake, Virginia 22 $ 5,249,000 $ 238,590 $ 64,000
New Castle, Delaware 21 $ 4,224,000 $ 201,142 $ 69,000
Broward, Florida 21 $ 3,075,000 $ 146,428 $ 94,000
Palm Beach, Florida 21 $ 3,828,000 $ 182,285 $ 92,000
DeKalb, Georgia 21 $ 3,790,000 $ 180,476 $ 63,000
Washington, Minnesota 21 $ 4,916,000 $ 234,095 $ 67,000
Stafford, Virginia 21 $ 5,362,000 $ 255,333 $ 64,000
Will, Illinois 20 $ 3,765,000 $ 188,250 $ 54,000
Somerset, New Jersey 20 $ 5,396,000 $ 269,800 $ 126,000
Lancaster, Pennsylvania 20 $ 3,630,000 $ 181,500 $ 51,000
Anchorage, Alaska 19 $ 3,333,000 $ 175,421 $ 50,000
San Diego, California 19 $ 5,310,000 $ 279,473 $ 44,000
Jefferson, Colorado 19 $ 4,058,000 $ 213,578 $ 77,000
Hendricks, Indiana 19 $ 2,360,000 $ 124,210 $ 66,000
King, Washington 19 $ 7,197,000 $ 378,789 $ 85,000
Milwaukee, Wisconsin 19 $ 3,300,000 $ 173,684 $ 72,000
Waukesha, Wisconsin 19 $ 3,864,000 $ 203,368 $ 68,000
Adams, Colorado 18 $ 3,208,000 $ 178,222 $ 45,000
Miami-Dade, Florida 18 $ 3,713,000 $ 206,277 $ 137,000
St. Tammany, Louisiana 18 $ 3,045,000 $ 169,166 $ 53,000
Monroe, New York 18 $ 1,902,000 $ 105,666 $ 63,000
Richmond, New York 18 $ 5,873,000 $ 326,277 $ 99,000
Warren, Ohio 18 $ 3,565,000 $ 198,055 $ 81,000
Bucks, Pennsylvania 18 $ 3,927,000 $ 218,166 $ 83,000
Chester, Pennsylvania 18 $ 5,082,000 $ 282,333 $ 96,000
York, Pennsylvania 18 $ 3,305,000 $ 183,611 $ 69,000
Madison, Alabama 17 $ 3,407,000 $ 200,411 $ 74,000
Lee, Florida 17 $ 2,058,000 $ 121,058 $ 78,000
Linn, Iowa 17 $ 2,810,000 $ 165,294 $ 50,000
Kings, New York 17 $ 5,521,000 $ 324,764 $ 106,000
Onslow, North Carolina 17 $ 2,787,000 $ 163,941 $ 10,000
Clermont, Ohio 17 $ 3,088,000 $ 181,647 $ 66,000
Lake, Ohio 17 $ 2,621,000 $ 154,176 $ 57,000
Lucas, Ohio 17 $ 2,862,000 $ 168,352 $ 88,000
Portage, Ohio 17 $ 2,644,000 $ 155,529 $ 40,000
Davidson, Tennessee 17 $ 2,947,000 $ 173,352 $ 55,000
Shelby, Tennessee 17 $ 2,835,000 $ 166,764 $ 81,000
Harris, Texas 17 $ 2,674,000 $ 157,294 $ 18,000
Salt Lake, Utah 17 $ 3,313,000 $ 194,882 $ 70,000
Jefferson, Alabama 16 $ 2,701,000 $ 168,812 $ 44,000
Arapahoe, Colorado 16 $ 3,073,000 $ 192,062 $ 74,000
Sussex, Delaware 16 $ 3,328,000 $ 208,000 $ 71,000
Duval, Florida 16 $ 2,160,000 $ 135,000 $ 51,000
Hillsborough, Florida 16 $ 2,909,000 $ 181,812 $ 74,000
Orange, Florida 16 $ 2,311,000 $ 144,437 $ 91,000
Ramsey, Minnesota 16 $ 3,021,000 $ 188,812 $ 63,000
Gloucester, New Jersey 16 $ 2,979,000 $ 186,187 $ 87,000
Mercer, New Jersey 16 $ 3,394,000 $ 212,125 $ 96,000
Wayne, Ohio 16 $ 2,528,000 $ 158,000 $ 61,000
Spokane, Washington 16 $ 2,273,000 $ 142,062 $ 13,000
Dane, Wisconsin 16 $ 3,531,000 $ 220,687 $ 79,000
Forsyth, Georgia 15 $ 3,296,000 $ 219,733 $ 88,000
East Baton Rouge, Louisiana 15 $ 2,303,000 $ 153,533 $ 54,000
Washington, Maryland 15 $ 3,144,000 $ 209,600 $ 63,000
Essex, Massachusetts 15 $ 3,898,000 $ 259,866 $ 90,000
Worcester, Massachusetts 15 $ 2,847,000 $ 189,800 $ 62,000
Anoka, Minnesota 15 $ 3,064,000 $ 204,266 $ 79,000
Hudson, New Jersey 15 $ 3,785,000 $ 252,333 $ 82,000
Henrico, Virginia 15 $ 2,805,000 $ 187,000 $ 53,000
Baldwin, Alabama 14 $ 2,540,000 $ 181,428 $ 81,000
Pinal, Arizona 14 $ 1,403,000 $ 100,214 $ 42,000
Burlington, New Jersey 14 $ 2,526,000 $ 180,428 $ 73,000
Bernalillo, New Mexico 14 $ 1,802,000 $ 128,714 $ 44,000
Westmoreland, Pennsylvania 14 $ 2,244,000 $ 160,285 $ 95,000
Spartanburg, South Carolina 14 $ 1,448,000 $ 103,428 $ 44,000
Newport News, Virginia 14 $ 3,063,000 $ 218,785 $ 52,000
Riverside, California 13 $ 2,877,000 $ 221,307 $ 54,000
Weld, Colorado 13 $ 2,015,000 $ 155,000 $ 56,000
New Haven, Connecticut 13 $ 3,036,000 $ 233,538 $ 104,000
Pinellas, Florida 13 $ 2,154,000 $ 165,692 $ 72,000
St. Joseph, Indiana 13 $ 1,777,000 $ 136,692 $ 65,000
Pottawattamie, Iowa 13 $ 1,955,000 $ 150,384 $ 74,000
Calvert, Maryland 13 $ 3,311,000 $ 254,692 $ 119,000
St. Mary's, Maryland 13 $ 3,837,000 $ 295,153 $ 113,000
Middlesex, Massachusetts 13 $ 3,200,000 $ 246,153 $ 103,000
St. Louis, Missouri 13 $ 1,592,000 $ 122,461 $ 111,000
Atlantic, New Jersey 13 $ 2,900,000 $ 223,076 $ 66,000
Westchester, New York 13 $ 2,987,000 $ 229,769 $ 116,000
Guilford, North Carolina 13 $ 2,576,000 $ 198,153 $ 72,000
Ward, North Dakota 13 $ 2,093,000 $ 161,000 $ 56,000
Fairfield, Ohio 13 $ 2,247,000 $ 172,846 $ 83,000
Providence, Rhode Island 13 $ 1,929,000 $ 148,384 $ 31,000
Richland, South Carolina 13 $ 1,860,000 $ 143,076 $ 45,000
Utah, Utah 13 $ 1,921,000 $ 147,769 $ 59,000
Pierce, Washington 13 $ 2,784,000 $ 214,153 $ 51,000
Larimer, Colorado 12 $ 1,862,000 $ 155,166 $ 62,000
Kent, Delaware 12 $ 2,583,000 $ 215,250 $ 29,000
Jefferson, Louisiana 12 $ 1,741,000 $ 145,083 $ 51,000
Bristol, Massachusetts 12 $ 2,926,000 $ 243,833 $ 83,000
Douglas, Nebraska 12 $ 1,944,000 $ 162,000 $ 52,000
Rockingham, New Hampshire 12 $ 2,454,000 $ 204,500 $ 97,000
Dauphin, Pennsylvania 12 $ 2,385,000 $ 198,750 $ 57,000
Lehigh, Pennsylvania 12 $ 2,357,000 $ 196,416 $ 96,000
Arlington, Virginia 12 $ 4,781,000 $ 398,416 $ 166,000
Pulaski, Arkansas 11 $ 1,407,000 $ 127,909 $ 22,000
San Bernardino, California 11 $ 2,045,000 $ 185,909 $ 70,000
Boulder, Colorado 11 $ 2,499,000 $ 227,181 $ 99,000
Brevard, Florida 11 $ 1,218,000 $ 110,727 $ 35,000
Coweta, Georgia 11 $ 1,648,000 $ 149,818 $ 50,000
DuPage, Illinois 11 $ 2,493,000 $ 226,636 $ 107,000
Fayette, Kentucky 11 $ 1,625,000 $ 147,727 $ 91,000
Lafayette, Louisiana 11 $ 1,499,000 $ 136,272 $ 34,000
Orleans, Louisiana 11 $ 1,096,000 $ 99,636 $ 64,000
Plymouth, Massachusetts 11 $ 1,969,000 $ 179,000 $ 69,000
Wayne, Michigan 11 $ 2,442,000 $ 222,000 $ 67,000
Scott, Minnesota 11 $ 2,810,000 $ 255,454 $ 68,000
Washoe, Nevada 11 $ 1,707,000 $ 155,181 $ 46,000
Mahoning, Ohio 11 $ 1,681,000 $ 152,818 $ 73,000
Multnomah, Oregon 11 $ 2,907,000 $ 264,272 $ 80,000
Tarrant, Texas 11 $ 1,237,000 $ 112,454 $ 7,000
Spotsylvania, Virginia 11 $ 2,746,000 $ 249,636 $ 93,000
Shelby, Alabama 10 $ 1,746,000 $ 174,600 $ 65,000
Mohave, Arizona 10 $ 1,784,000 $ 178,400 $ 51,000
Yavapai, Arizona 10 $ 1,883,000 $ 188,300 $ 72,000
Mesa, Colorado 10 $ 1,950,000 $ 195,000 $ 36,000
Pueblo, Colorado 10 $ 1,582,000 $ 158,200 $ 29,000
Clay, Florida 10 $ 1,672,000 $ 167,200 $ 65,000
Marion, Florida 10 $ 1,522,000 $ 152,200 $ 72,000
Okaloosa, Florida 10 $ 1,158,000 $ 115,800 $ 19,000
Henry, Georgia 10 $ 1,636,000 $ 163,600 $ 58,000
Richmond, Georgia 10 $ 1,616,000 $ 161,600 $ 53,000
Johnson, Kansas 10 $ 2,029,000 $ 202,900 $ 164,000
Hardin, Kentucky 10 $ 1,728,000 $ 172,800 $ 45,000
Norfolk, Massachusetts 10 $ 3,009,000 $ 300,900 $ 102,000
Carver, Minnesota 10 $ 2,118,000 $ 211,800 $ 78,000
Hillsborough, New Hampshire 10 $ 2,031,000 $ 203,100 $ 54,000
Forsyth, North Carolina 10 $ 1,322,000 $ 132,200 $ 35,000
Union, North Carolina 10 $ 1,914,000 $ 191,400 $ 62,000
Cass, North Dakota 10 $ 1,858,000 $ 185,800 $ 54,000
Knox, Ohio 10 $ 1,544,000 $ 154,400 $ 59,000
Richland, Ohio 10 $ 1,367,000 $ 136,700 $ 55,000
Lackawanna, Pennsylvania 10 $ 1,442,000 $ 144,200 $ 61,000
Northampton, Pennsylvania 10 $ 1,903,000 $ 190,300 $ 40,000
Lexington, South Carolina 10 $ 2,013,000 $ 201,300 $ 62,000
Pennington, South Dakota 10 $ 2,091,000 $ 209,100 $ 70,000
Snohomish, Washington 10 $ 2,719,000 $ 271,900 $ 69,000
Kenosha, Wisconsin 10 $ 1,740,000 $ 174,000 $ 72,000
Mobile, Alabama 9 $ 1,363,000 $ 151,444 $ 64,000
Orange, California 9 $ 2,387,000 $ 265,222 $ 176,000
Sacramento, California 9 $ 1,951,000 $ 216,777 $ 70,000
Leon, Florida 9 $ 1,517,000 $ 168,555 $ 63,000
Columbia, Georgia 9 $ 2,051,000 $ 227,888 $ 52,000
Ada, Idaho 9 $ 1,169,000 $ 129,888 $ 8,000
Elkhart, Indiana 9 $ 1,159,000 $ 128,777 $ 52,000
Porter, Indiana 9 $ 1,583,000 $ 175,888 $ 69,000
Warren, Iowa 9 $ 1,602,000 $ 178,000 $ 65,000
Sedgwick, Kansas 9 $ 1,026,000 $ 114,000 $ 42,000
Bossier, Louisiana 9 $ 1,336,000 $ 148,444 $ 29,000
Suffolk, Massachusetts 9 $ 2,444,000 $ 271,555 $ 125,000
Stearns, Minnesota 9 $ 1,729,000 $ 192,111 $ 67,000
Cape May, New Jersey 9 $ 5,962,000 $ 662,444 $ 189,000
Dona Ana, New Mexico 9 $ 1,798,000 $ 199,777 $ 44,000
Bronx, New York 9 $ 2,659,000 $ 295,444 $ 81,000
Hoke, North Carolina 9 $ 1,492,000 $ 165,777 $ 26,000
Medina, Ohio 9 $ 1,644,000 $ 182,666 $ 52,000
Trumbull, Ohio 9 $ 1,143,000 $ 127,000 $ 49,000
Union, Ohio 9 $ 1,981,000 $ 220,111 $ 95,000
Cumberland, Pennsylvania 9 $ 2,214,000 $ 246,000 $ 123,000
Monroe, Pennsylvania 9 $ 1,581,000 $ 175,666 $ 85,000
Horry, South Carolina 9 $ 1,018,000 $ 113,111 $ 64,000
Minnehaha, South Dakota 9 $ 1,769,000 $ 196,555 $ 56,000
Hamilton, Tennessee 9 $ 1,494,000 $ 166,000 $ 87,000
Rutherford, Tennessee 9 $ 1,529,000 $ 169,888 $ 58,000
Bell, Texas 9 $ 1,289,000 $ 143,222 $ 8,000
Fauquier, Virginia 9 $ 3,015,000 $ 335,000 $ 105,000
Lee, Alabama 8 $ 1,341,000 $ 167,625 $ 41,000
Benton, Arkansas 8 $ 1,466,000 $ 183,250 $ 37,000
Fairfield, Connecticut 8 $ 2,326,000 $ 290,750 $ 115,000
Santa Rosa, Florida 8 $ 1,381,000 $ 172,625 $ 41,000
Chatham, Georgia 8 $ 1,579,000 $ 197,375 $ 46,000
Fayette, Georgia 8 $ 1,343,000 $ 167,875 $ 72,000
Honolulu, Hawaii 8 $ 4,034,000 $ 504,250 $ 103,000
Kane, Illinois 8 $ 1,591,000 $ 198,875 $ 68,000
Johnson, Indiana 8 $ 1,270,000 $ 158,750 $ 85,000
Kosciusko, Indiana 8 $ 2,374,000 $ 296,750 $ 94,000
Scott, Iowa 8 $ 1,613,000 $ 201,625 $ 83,000
Caddo, Louisiana 8 $ 1,482,000 $ 185,250 $ 87,000
Chisago, Minnesota 8 $ 1,793,000 $ 224,125 $ 88,000
St. Louis, Minnesota 8 $ 1,427,000 $ 178,375 $ 58,000
DeSoto, Mississippi 8 $ 1,417,000 $ 177,125 $ 42,000
Strafford, New Hampshire 8 $ 1,278,000 $ 159,750 $ 50,000
Hunterdon, New Jersey 8 $ 2,419,000 $ 302,375 $ 270,000
Brunswick, North Carolina 8 $ 1,702,000 $ 212,750 $ 88,000
New Hanover, North Carolina 8 $ 1,897,000 $ 237,125 $ 78,000
Ashtabula, Ohio 8 $ 1,165,000 $ 145,625 $ 49,000
Columbiana, Ohio 8 $ 1,119,000 $ 139,875 $ 57,000
Geauga, Ohio 8 $ 2,230,000 $ 278,750 $ 104,000
Huron, Ohio 8 $ 1,528,000 $ 191,000 $ 91,000
Bexar, Texas 8 $ 1,558,000 $ 194,750 $ 24,000
Dallas, Texas 8 $ 1,318,000 $ 164,750 $ 33,000
Albemarle, Virginia 8 $ 2,160,000 $ 270,000 $ 48,000
Hampton, Virginia 8 $ 1,730,000 $ 216,250 $ 55,000
Norfolk, Virginia 8 $ 1,798,000 $ 224,750 $ 51,000
Clark, Washington 8 $ 1,488,000 $ 186,000 $ 36,000
Outagamie, Wisconsin 8 $ 1,051,000 $ 131,375 $ 30,000
Montgomery, Alabama 7 $ 776,000 $ 110,857 $ 29,000
Fairbanks North Star, Alaska 7 $ 1,165,000 $ 166,428 $ 17,000
Faulkner, Arkansas 7 $ 944,000 $ 134,857 $ 68,000
Lonoke, Arkansas 7 $ 1,095,000 $ 156,428 $ 44,000
San Joaquin, California 7 $ 1,278,000 $ 182,571 $ 40,000
La Plata, Colorado 7 $ 2,065,000 $ 295,000 $ 83,000
Pasco, Florida 7 $ 770,000 $ 110,000 $ 171,000
St. Johns, Florida 7 $ 713,000 $ 101,857 $ 49,000
Bartow, Georgia 7 $ 1,218,000 $ 174,000 $ 54,000
Clayton, Georgia 7 $ 1,032,000 $ 147,428 $ 23,000
Muscogee, Georgia 7 $ 902,000 $ 128,857 $ 41,000
Paulding, Georgia 7 $ 976,000 $ 139,428 $ 38,000
Hawaii, Hawaii 7 $ 2,129,000 $ 304,142 $ 75,000
Lake, Illinois 7 $ 1,647,000 $ 235,285 $ 51,000
McHenry, Illinois 7 $ 1,224,000 $ 174,857 $ 71,000
Dallas, Iowa 7 $ 1,264,000 $ 180,571 $ 43,000
Dubuque, Iowa 7 $ 1,068,000 $ 152,571 $ 17,000
Macomb, Michigan 7 $ 1,440,000 $ 205,714 $ 118,000
Oakland, Michigan 7 $ 1,369,000 $ 195,571 $ 91,000
Jackson, Mississippi 7 $ 677,000 $ 96,714 $ 46,000
Clay, Missouri 7 $ 777,000 $ 111,000 $ 63,000
Jackson, Missouri 7 $ 772,000 $ 110,285 $ 58,000
Sarpy, Nebraska 7 $ 1,169,000 $ 167,000 $ 9,000
Dutchess, New York 7 $ 1,839,000 $ 262,714 $ 96,000
Onondaga, New York 7 $ 810,000 $ 115,714 $ 61,000
Orange, New York 7 $ 947,000 $ 135,285 $ 99,000
Rensselaer, New York 7 $ 943,000 $ 134,714 $ 63,000
Rockland, New York 7 $ 1,911,000 $ 273,000 $ 106,000
Ulster, New York 7 $ 1,081,000 $ 154,428 $ 82,000
Buncombe, North Carolina 7 $ 1,441,000 $ 205,857 $ 67,000
Durham, North Carolina 7 $ 1,266,000 $ 180,857 $ 50,000
Franklin, North Carolina 7 $ 1,119,000 $ 159,857 $ 39,000
Johnston, North Carolina 7 $ 1,173,000 $ 167,571 $ 52,000
Greene, Ohio 7 $ 1,459,000 $ 208,428 $ 87,000
Lawrence, Ohio 7 $ 1,114,000 $ 159,142 $ 43,000
Marion, Oregon 7 $ 1,014,000 $ 144,857 $ 14,000
Adams, Pennsylvania 7 $ 1,341,000 $ 191,571 $ 77,000
Charleston, South Carolina 7 $ 844,000 $ 120,571 $ 60,000
Montgomery, Tennessee 7 $ 793,000 $ 113,285 $ 9,000
Davis, Utah 7 $ 1,328,000 $ 189,714 $ 0
Alexandria, Virginia 7 $ 2,418,000 $ 345,428 $ 86,000
Frederick, Virginia 7 $ 1,709,000 $ 244,142 $ 40,000
Richmond City, Virginia 7 $ 1,274,000 $ 182,000 $ 58,000
Suffolk, Virginia 7 $ 1,535,000 $ 219,285 $ 64,000
Thurston, Washington 7 $ 1,471,000 $ 210,142 $ 41,000
Berkeley, West Virginia 7 $ 1,446,000 $ 206,571 $ 140,000
Jefferson, West Virginia 7 $ 901,000 $ 128,714 $ 73,000
Fond du Lac, Wisconsin 7 $ 1,263,000 $ 180,428 $ 21,000
Racine, Wisconsin 7 $ 1,669,000 $ 238,428 $ 120,000
Laramie, Wyoming 7 $ 1,139,000 $ 162,714 $ 8,000
Coffee, Alabama 6 $ 522,000 $ 87,000 $ 49,000
Matanuska-Susitna, Alaska 6 $ 1,248,000 $ 208,000 $ 26,000
Yuma, Arizona 6 $ 734,000 $ 122,333 $ 26,000
Contra Costa, California 6 $ 2,191,000 $ 365,166 $ 95,000
Santa Clara, California 6 $ 2,418,000 $ 403,000 $ 143,000
Tulare, California 6 $ 1,079,000 $ 179,833 $ 54,000
Denver, Colorado 6 $ 1,251,000 $ 208,500 $ 47,000
Osceola, Florida 6 $ 1,028,000 $ 171,333 $ 46,000
Polk, Florida 6 $ 865,000 $ 144,166 $ 43,000
Seminole, Florida 6 $ 1,070,000 $ 178,333 $ 53,000
Clarke, Georgia 6 $ 977,000 $ 162,833 $ 102,000
Hall, Georgia 6 $ 1,026,000 $ 171,000 $ 111,000
Walton, Georgia 6 $ 1,195,000 $ 199,166 $ 83,000
Allen, Indiana 6 $ 1,061,000 $ 176,833 $ 69,000
LaPorte, Indiana 6 $ 1,053,000 $ 175,500 $ 81,000
Black Hawk, Iowa 6 $ 976,000 $ 162,666 $ 68,000
Johnson, Iowa 6 $ 1,138,000 $ 189,666 $ 78,000
Muscatine, Iowa 6 $ 849,000 $ 141,500 $ 51,000
Shawnee, Kansas 6 $ 598,000 $ 99,666 $ 82,000
Grant, Kentucky 6 $ 757,000 $ 126,166 $ 83,000
Queen Anne's, Maryland 6 $ 1,506,000 $ 251,000 $ 81,000
Talbot, Maryland 6 $ 1,436,000 $ 239,333 $ 83,000
Barnstable, Massachusetts 6 $ 1,251,000 $ 208,500 $ 95,000
Hubbard, Minnesota 6 $ 1,412,000 $ 235,333 $ 72,000
Sherburne, Minnesota 6 $ 937,000 $ 156,166 $ 56,000
Wright, Minnesota 6 $ 932,000 $ 155,333 $ 39,000
Madison, Mississippi 6 $ 1,105,000 $ 184,166 $ 49,000
Rankin, Mississippi 6 $ 957,000 $ 159,500 $ 77,000
Jefferson, Missouri 6 $ 1,188,000 $ 198,000 $ 39,000
St. Charles, Missouri 6 $ 1,024,000 $ 170,666 $ 48,000
Cascade, Montana 6 $ 735,000 $ 122,500 $ 10,000
Cumberland, New Jersey 6 $ 973,000 $ 162,166 $ 70,000
Sussex, New Jersey 6 $ 1,044,000 $ 174,000 $ 77,000
Santa Fe, New Mexico 6 $ 912,000 $ 152,000 $ 54,000
Niagara, New York 6 $ 687,000 $ 114,500 $ 36,000
Alamance, North Carolina 6 $ 709,000 $ 118,166 $ 52,000
Harnett, North Carolina 6 $ 1,131,000 $ 188,500 $ 23,000
Orange, North Carolina 6 $ 1,215,000 $ 202,500 $ 81,000
Wayne, North Carolina 6 $ 754,000 $ 125,666 $ 36,000
Morton, North Dakota 6 $ 599,000 $ 99,833 $ 47,000
Oklahoma, Oklahoma 6 $ 909,000 $ 151,500 $ 20,000
Linn, Oregon 6 $ 948,000 $ 158,000 $ 57,000
Beaver, Pennsylvania 6 $ 523,000 $ 87,166 $ 38,000
Franklin, Pennsylvania 6 $ 930,000 $ 155,000 $ 62,000
Mercer, Pennsylvania 6 $ 936,000 $ 156,000 $ 28,000
York, South Carolina 6 $ 814,000 $ 135,666 $ 95,000
Lawrence, South Dakota 6 $ 990,000 $ 165,000 $ 71,000
Washington, Tennessee 6 $ 989,000 $ 164,833 $ 17,000
Travis, Texas 6 $ 1,235,000 $ 205,833 $ 33,000
Washington, Utah 6 $ 1,121,000 $ 186,833 $ 16,000
Chittenden, Vermont 6 $ 896,000 $ 149,333 $ 63,000
Hanover, Virginia 6 $ 1,447,000 $ 241,166 $ 109,000
Roanoke, Virginia 6 $ 933,000 $ 155,500 $ 33,000
Rockingham, Virginia 6 $ 1,268,000 $ 211,333 $ 83,000
Washington, Virginia 6 $ 1,145,000 $ 190,833 $ 159,000
Jefferson, Wisconsin 6 $ 1,131,000 $ 188,500 $ 54,000
St. Clair, Alabama 5 $ 931,000 $ 186,200 $ 76,000
Tuscaloosa, Alabama 5 $ 737,000 $ 147,400 $ 35,000
Saline, Arkansas 5 $ 674,000 $ 134,800 $ 65,000
White, Arkansas 5 $ 471,000 $ 94,200 $ 5,000
Alameda, California 5 $ 1,350,000 $ 270,000 $ 86,000
Fresno, California 5 $ 1,225,000 $ 245,000 $ 89,000
Kern, California 5 $ 1,259,000 $ 251,800 $ 93,000
Monterey, California 5 $ 1,206,000 $ 241,200 $ 75,000
Solano, California 5 $ 784,000 $ 156,800 $ 19,000
Tuolumne, California 5 $ 987,000 $ 197,400 $ 63,000
Douglas, Colorado 5 $ 1,244,000 $ 248,800 $ 66,000
Tolland, Connecticut 5 $ 780,000 $ 156,000 $ 68,000
Sarasota, Florida 5 $ 555,000 $ 111,000 $ 36,000
Sumter, Florida 5 $ 643,000 $ 128,600 $ 62,000
Bibb, Georgia 5 $ 1,095,000 $ 219,000 $ 94,000
Cherokee, Georgia 5 $ 1,100,000 $ 220,000 $ 38,000
Douglas, Georgia 5 $ 952,000 $ 190,400 $ 77,000
Lowndes, Georgia 5 $ 748,000 $ 149,600 $ 40,000
Maui, Hawaii 5 $ 1,631,000 $ 326,200 $ 105,000
St. Clair, Illinois 5 $ 859,000 $ 171,800 $ 21,000
Grant, Indiana 5 $ 935,000 $ 187,000 $ 74,000
Hancock, Indiana 5 $ 980,000 $ 196,000 $ 129,000
Madison, Indiana 5 $ 560,000 $ 112,000 $ 36,000
Story, Iowa 5 $ 593,000 $ 118,600 $ 105,000
Christian, Kentucky 5 $ 617,000 $ 123,400 $ 58,000
Oldham, Kentucky 5 $ 1,257,000 $ 251,400 $ 113,000
Warren, Kentucky 5 $ 721,000 $ 144,200 $ 43,000
Lafourche, Louisiana 5 $ 632,000 $ 126,400 $ 88,000
St. Charles, Louisiana 5 $ 1,063,000 $ 212,600 $ 95,000
Knox, Maine 5 $ 1,065,000 $ 213,000 $ 61,000
Worcester, Maryland 5 $ 911,000 $ 182,200 $ 89,000
Harrison, Mississippi 5 $ 702,000 $ 140,400 $ 70,000
Hinds, Mississippi 5 $ 477,000 $ 95,400 $ 56,000
Lancaster, Nebraska 5 $ 686,000 $ 137,200 $ 20,000
Grafton, New Hampshire 5 $ 1,042,000 $ 208,400 $ 80,000
Warren, New Jersey 5 $ 1,271,000 $ 254,200 $ 93,000
Albany, New York 5 $ 621,000 $ 124,200 $ 89,000
Ontario, New York 5 $ 582,000 $ 116,400 $ 80,000
Saratoga, New York 5 $ 950,000 $ 190,000 $ 106,000
St. Lawrence, New York 5 $ 472,000 $ 94,400 $ 60,000
Cabarrus, North Carolina 5 $ 945,000 $ 189,000 $ 36,000
Carteret, North Carolina 5 $ 1,146,000 $ 229,200 $ 64,000
Catawba, North Carolina 5 $ 876,000 $ 175,200 $ 41,000
Iredell, North Carolina 5 $ 912,000 $ 182,400 $ 120,000
Pasquotank, North Carolina 5 $ 1,292,000 $ 258,400 $ 43,000
Pitt, North Carolina 5 $ 1,045,000 $ 209,000 $ 59,000
Burleigh, North Dakota 5 $ 1,127,000 $ 225,400 $ 73,000
Clark, Ohio 5 $ 794,000 $ 158,800 $ 39,000
Erie, Ohio 5 $ 741,000 $ 148,200 $ 31,000
Jackson, Ohio 5 $ 903,000 $ 180,600 $ 49,000
Marion, Ohio 5 $ 633,000 $ 126,600 $ 86,000
Pickaway, Ohio 5 $ 966,000 $ 193,200 $ 78,000
Scioto, Ohio 5 $ 1,141,000 $ 228,200 $ 135,000
Shelby, Ohio 5 $ 654,000 $ 130,800 $ 92,000
Wood, Ohio 5 $ 805,000 $ 161,000 $ 45,000
Cleveland, Oklahoma 5 $ 767,000 $ 153,400 $ 69,000
Jackson, Oregon 5 $ 1,121,000 $ 224,200 $ 84,000
Lane, Oregon 5 $ 1,002,000 $ 200,400 $ 40,000
Luzerne, Pennsylvania 5 $ 481,000 $ 96,200 $ 76,000
Washington, Pennsylvania 5 $ 899,000 $ 179,800 $ 31,000
Washington, Rhode Island 5 $ 1,357,000 $ 271,400 $ 125,000
Beaufort, South Carolina 5 $ 838,000 $ 167,600 $ 62,000
Berkeley, South Carolina 5 $ 682,000 $ 136,400 $ 32,000
Dorchester, South Carolina 5 $ 578,000 $ 115,600 $ 18,000
Greenville, South Carolina 5 $ 567,000 $ 113,400 $ 35,000
Williamson, Tennessee 5 $ 1,036,000 $ 207,200 $ 87,000
Collin, Texas 5 $ 896,000 $ 179,200 $ 48,000
Guadalupe, Texas 5 $ 984,000 $ 196,800 $ 22,000
Summit, Utah 5 $ 1,137,000 $ 227,400 $ 87,000
Weber, Utah 5 $ 672,000 $ 134,400 $ 6,000
James City, Virginia 5 $ 1,110,000 $ 222,000 $ 117,000
Warren, Virginia 5 $ 1,043,000 $ 208,600 $ 72,000
York, Virginia 5 $ 1,342,000 $ 268,400 $ 59,000
Kitsap, Washington 5 $ 894,000 $ 178,800 $ 27,000
Whatcom, Washington 5 $ 822,000 $ 164,400 $ 71,000
Brown, Wisconsin 5 $ 941,000 $ 188,200 $ 83,000
Dodge, Wisconsin 5 $ 798,000 $ 159,600 $ 70,000
Dunn, Wisconsin 5 $ 716,000 $ 143,200 $ 75,000
Limestone, Alabama 4 $ 466,000 $ 116,500 $ 75,000
Sebastian, Arkansas 4 $ 451,000 $ 112,750 $ 49,000
Butte, California 4 $ 771,000 $ 192,750 $ 35,000
Humboldt, California 4 $ 1,230,000 $ 307,500 $ 89,000
Broomfield, Colorado 4 $ 829,000 $ 207,250 $ 91,000
Litchfield, Connecticut 4 $ 635,000 $ 158,750 $ 97,000
Alachua, Florida 4 $ 526,000 $ 131,500 $ 79,000
Charlotte, Florida 4 $ 516,000 $ 129,000 $ 84,000
Flagler, Florida 4 $ 523,000 $ 130,750 $ 51,000
Manatee, Florida 4 $ 520,000 $ 130,000 $ 66,000
Volusia, Florida 4 $ 572,000 $ 143,000 $ 65,000
Barrow, Georgia 4 $ 396,000 $ 99,000 $ 23,000
Camden, Georgia 4 $ 1,092,000 $ 273,000 $ 62,000
Catoosa, Georgia 4 $ 511,000 $ 127,750 $ 37,000
Crawford, Georgia 4 $ 500,000 $ 125,000 $ 12,000
Dawson, Georgia 4 $ 862,000 $ 215,500 $ 16,000
Houston, Georgia 4 $ 408,000 $ 102,000 $ 41,000
Murray, Georgia 4 $ 530,000 $ 132,500 $ 76,000
Newton, Georgia 4 $ 546,000 $ 136,500 $ 40,000
Oconee, Georgia 4 $ 546,000 $ 136,500 $ 69,000
Rockdale, Georgia 4 $ 909,000 $ 227,250 $ 105,000
Boone, Indiana 4 $ 526,000 $ 131,500 $ 60,000
Floyd, Indiana 4 $ 627,000 $ 156,750 $ 79,000
Morgan, Indiana 4 $ 611,000 $ 152,750 $ 49,000
Tippecanoe, Indiana 4 $ 531,000 $ 132,750 $ 48,000
Boone, Iowa 4 $ 730,000 $ 182,500 $ 81,000
Woodbury, Iowa 4 $ 510,000 $ 127,500 $ 11,000
Breckinridge, Kentucky 4 $ 405,000 $ 101,250 $ 40,000
Bullitt, Kentucky 4 $ 551,000 $ 137,750 $ 73,000
Jessamine, Kentucky 4 $ 431,000 $ 107,750 $ 76,000
Madison, Kentucky 4 $ 517,000 $ 129,250 $ 94,000
Androscoggin, Maine 4 $ 590,000 $ 147,500 $ 32,000
Caroline, Maryland 4 $ 711,000 $ 177,750 $ 57,000
Cecil, Maryland 4 $ 848,000 $ 212,000 $ 25,000
Wicomico, Maryland 4 $ 457,000 $ 114,250 $ 73,000
Hampshire, Massachusetts 4 $ 1,148,000 $ 287,000 $ 72,000
Crow Wing, Minnesota 4 $ 1,246,000 $ 311,500 $ 79,000
Goodhue, Minnesota 4 $ 832,000 $ 208,000 $ 80,000
Olmsted, Minnesota 4 $ 674,000 $ 168,500 $ 81,000
Otter Tail, Minnesota 4 $ 831,000 $ 207,750 $ 13,000
Hancock, Mississippi 4 $ 563,000 $ 140,750 $ 68,000
Pike, Mississippi 4 $ 437,000 $ 109,250 $ 75,000
Lewis and Clark, Montana 4 $ 721,000 $ 180,250 $ 21,000
Ravalli, Montana 4 $ 799,000 $ 199,750 $ 76,000
Yellowstone, Montana 4 $ 736,000 $ 184,000 $ 19,000
Merrimack, New Hampshire 4 $ 614,000 $ 153,500 $ 75,000
Chautauqua, New York 4 $ 385,000 $ 96,250 $ 78,000
Essex, New York 4 $ 493,000 $ 123,250 $ 56,000
Montgomery, New York 4 $ 578,000 $ 144,500 $ 62,000
Oneida, New York 4 $ 313,000 $ 78,250 $ 79,000
Putnam, New York 4 $ 623,000 $ 155,750 $ 107,000
Schenectady, New York 4 $ 472,000 $ 118,000 $ 109,000
Washington, New York 4 $ 536,000 $ 134,000 $ 97,000
Chatham, North Carolina 4 $ 1,791,000 $ 447,750 $ 117,000
Dare, North Carolina 4 $ 780,000 $ 195,000 $ 76,000
Gaston, North Carolina 4 $ 332,000 $ 83,000 $ 37,000
Henderson, North Carolina 4 $ 892,000 $ 223,000 $ 48,000
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Mortgage Loan Application Detail Totals for American Bank in 2012

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 7,046 $1,364,349,000 $193,000 $1,696,000 $70,000 $2,000,000
Home Improvement 431 $66,560,000 $154,000 $815,000 $74,000 $250,000
Home Purchase 405 $88,961,000 $219,000 $1,600,000 $131,000 $9,999,000

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 5,753 $1,093,531,000 $190,000 $1,696,000 $73,000 $2,000,000
Not Provided 820 $160,875,000 $196,000 $895,000 $64,000 $1,976,000
Black or African American 716 $144,027,000 $201,000 $1,600,000 $89,000 $9,999,000
Hispanic 357 $68,930,000 $193,000 $541,000 $65,000 $921,000
Asian 170 $39,335,000 $231,000 $1,105,000 $92,000 $370,000
American Indian or Alaskan Native 38 $7,002,000 $184,000 $509,000 $67,000 $175,000
Native Hawaiian or Other Pacific Islander 26 $5,415,000 $208,000 $602,000 $69,000 $190,000
Not applicable 2 $755,000 $377,000 $531,000 $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) 4,088 $799,277,000 $195,000 $1,696,000 $100,000 $9,999,000
FHA-insured (Federal Housing Administration) 2,366 $449,442,000 $189,000 $779,000 $59,000 $300,000
VA-guaranteed (Veterans Administration) 1,415 $268,999,000 $190,000 $895,000 $20,000 $260,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 13 $2,152,000 $165,000 $337,000 $48,000 $77,000

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 Withdrawn By Applicant 3,430 $655,966,000 $191,000 $1,696,000 $82,000 $2,000,000
Loan Originated 3,245 $627,651,000 $193,000 $792,000 $58,000 $555,000
Application Denied By Financial Institution 642 $122,720,000 $191,000 $1,688,000 $107,000 $9,999,000
File Closed For Incompleteness 486 $96,659,000 $198,000 $1,000,000 $75,000 $1,976,000
Application Approved But Not Accepted 77 $16,119,000 $209,000 $514,000 $64,000 $325,000
Loan Purchased By The Institution 2 $755,000 $377,000 $531,000 $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 316 $58,402,000 $184,000 $870,000 $87,000 $375,000
Debt-To-Income Ratio 99 $22,291,000 $225,000 $1,688,000 $64,000 $305,000
Credit History 92 $17,009,000 $184,000 $1,600,000 $169,000 $9,999,000
Other 71 $12,533,000 $176,000 $584,000 $74,000 $300,000
Unverifiable Information 27 $4,500,000 $166,000 $312,000 $70,000 $180,000
Employment History 12 $2,394,000 $199,000 $399,000 $46,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 11 $2,817,000 $256,000 $1,000,000 $990,000 $9,999,000
Credit Application Incomplete 11 $1,817,000 $165,000 $290,000 $67,000 $205,000
Mortgage Insurance Denied 3 $957,000 $319,000 $602,000 $109,000 $144,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Bank's 2012 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.
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