American Benefit Mortgage, Inc Mortgage Lending & HMDA Data, 2006
In 2006, American Benefit Mortgage, Inc of Aliso Viejo, CA reported 6,992 mortgage applications totaling $2.0 billion, up 5% from 2005. The average application was for $290,139, and applicants reported an average income of $64,047. 6% of its applications resulted in an originated loan and 72% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (814), Los Angeles-Long Beach-Glendale, CA (475) and Denver-Aurora, CO (409) (applications in parentheses).
| Mortgage Company & Address | American Benefit Mortgage, Inc 120 Columbia, Suite 600 Aliso Viejo, CA 92656 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,992 |
| Total Mortgage Loan Application Amount | $2,028,653,000 |
| Average Mortgage Loan Application Amount | $290,139 |
| Highest Mortgage Loan Application Amount | $43,000,000 |
| Average Applicant Income | $64,047 |
| Highest Applicant Income | $1,440,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Benefit Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 814 | $ 211,916,000 | $ 260,339 | $ 66,000 |
| Los Angeles-Long Beach-Glendale, CA | 475 | $ 160,928,000 | $ 338,795 | $ 62,000 |
| Denver-Aurora, CO | 409 | $ 110,457,000 | $ 270,066 | $ 64,000 |
| Riverside-San Bernardino-Ontario, CA | 391 | $ 105,659,000 | $ 270,227 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 286 | $ 77,560,000 | $ 271,188 | $ 64,000 |
| Santa Ana-Anaheim-Irvine, CA | 255 | $ 95,508,000 | $ 374,541 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 247 | $ 61,466,000 | $ 248,850 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 241 | $ 61,216,000 | $ 254,008 | $ 66,000 |
| Orlando-Kissimmee, FL | 240 | $ 59,288,000 | $ 247,033 | $ 63,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 154 | $ 46,649,000 | $ 302,915 | $ 58,000 |
| Tucson, AZ | 153 | $ 35,656,000 | $ 233,045 | $ 63,000 |
| San Diego-Carlsbad-San Marcos, CA | 143 | $ 49,699,000 | $ 347,545 | $ 60,000 |
| Jacksonville, FL | 139 | $ 36,051,000 | $ 259,359 | $ 67,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 132 | $ 45,127,000 | $ 341,871 | $ 72,000 |
| Bridgeport-Stamford-Norwalk, CT | 123 | $ 47,143,000 | $ 383,276 | $ 66,000 |
| Colorado Springs, CO | 120 | $ 53,039,000 | $ 441,991 | $ 64,000 |
| Oakland-Fremont-Hayward, CA | 118 | $ 38,450,000 | $ 325,847 | $ 62,000 |
| Cape Coral-Fort Myers, FL | 113 | $ 28,065,000 | $ 248,362 | $ 64,000 |
| Portland-Vancouver-Beaverton, OR-WA | 106 | $ 26,496,000 | $ 249,962 | $ 67,000 |
| Hartford-West Hartford-East Hartford, CT | 104 | $ 23,995,000 | $ 230,721 | $ 67,000 |
| Sarasota-Bradenton-Venice, FL | 75 | $ 18,445,000 | $ 245,933 | $ 60,000 |
| Bakersfield, CA | 74 | $ 19,220,000 | $ 259,729 | $ 62,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 73 | $ 28,935,000 | $ 396,369 | $ 68,000 |
| Port St. Lucie-Fort Pierce, FL | 71 | $ 16,182,000 | $ 227,915 | $ 74,000 |
| San Francisco-San Mateo-Redwood City, CA | 69 | $ 31,643,000 | $ 458,594 | $ 64,000 |
| New Haven-Milford, CT | 66 | $ 61,059,000 | $ 925,136 | $ 71,000 |
| Lakeland, FL | 62 | $ 13,759,000 | $ 221,919 | $ 62,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 60 | $ 15,703,000 | $ 261,716 | $ 66,000 |
| Palm Bay-Melbourne-Titusville, FL | 56 | $ 13,514,000 | $ 241,321 | $ 66,000 |
| Naples-Marco Island, FL | 55 | $ 18,735,000 | $ 340,636 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 55 | $ 23,957,000 | $ 435,581 | $ 61,000 |
| Stockton, CA | 55 | $ 14,905,000 | $ 271,000 | $ 64,000 |
| Fresno, CA | 52 | $ 13,701,000 | $ 263,480 | $ 56,000 |
| Pensacola-Ferry Pass-Brent, FL | 46 | $ 9,531,000 | $ 207,195 | $ 71,000 |
| Greeley, CO | 45 | $ 10,837,000 | $ 240,822 | $ 54,000 |
| Fort Collins-Loveland, CO | 43 | $ 12,116,000 | $ 281,767 | $ 65,000 |
| Modesto, CA | 43 | $ 14,350,000 | $ 333,720 | $ 57,000 |
| Vallejo-Fairfield, CA | 41 | $ 14,293,000 | $ 348,609 | $ 75,000 |
| Ocala, FL | 36 | $ 6,618,000 | $ 183,833 | $ 70,000 |
| Prescott, AZ | 36 | $ 8,541,000 | $ 237,250 | $ 67,000 |
| Boulder, CO | 31 | $ 7,371,000 | $ 237,774 | $ 68,000 |
| Las Vegas-Paradise, NV | 31 | $ 7,134,000 | $ 230,129 | $ 48,000 |
| Pueblo, CO | 30 | $ 7,311,000 | $ 243,700 | $ 64,000 |
| Yuma, AZ | 28 | $ 5,500,000 | $ 196,428 | $ 61,000 |
| Flagstaff, AZ | 25 | $ 6,677,000 | $ 267,080 | $ 48,000 |
| Visalia-Porterville, CA | 25 | $ 5,834,000 | $ 233,360 | $ 70,000 |
| Salinas, CA | 24 | $ 17,305,000 | $ 721,041 | $ 73,000 |
| Atlanta-Sandy Springs-Marietta, GA | 22 | $ 4,087,000 | $ 185,772 | $ 65,000 |
| Fort Walton Beach-Crestview-Destin, FL | 22 | $ 5,351,000 | $ 243,227 | $ 63,000 |
| Norwich-New London, CT | 21 | $ 6,026,000 | $ 286,952 | $ 65,000 |
| Medford, OR | 20 | $ 4,917,000 | $ 245,850 | $ 69,000 |
| Salem, OR | 20 | $ 5,533,000 | $ 276,650 | $ 68,000 |
| Santa Barbara-Santa Maria, CA | 20 | $ 6,497,000 | $ 324,850 | $ 59,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 7,226,000 | $ 361,300 | $ 66,000 |
| Grand Junction, CO | 19 | $ 4,429,000 | $ 233,105 | $ 64,000 |
| Punta Gorda, FL | 19 | $ 4,839,000 | $ 254,684 | $ 55,000 |
| Yuba City, CA | 17 | $ 4,455,000 | $ 262,058 | $ 72,000 |
| Eugene-Springfield, OR | 16 | $ 3,276,000 | $ 204,750 | $ 65,000 |
| Merced, CA | 16 | $ 3,342,000 | $ 208,875 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 16 | $ 3,620,000 | $ 226,250 | $ 27,000 |
| Redding, CA | 16 | $ 3,958,000 | $ 247,375 | $ 58,000 |
| Bend, OR | 15 | $ 4,958,000 | $ 330,533 | $ 76,000 |
| El Centro, CA | 15 | $ 3,128,000 | $ 208,533 | $ 64,000 |
| Chico, CA | 13 | $ 2,672,000 | $ 205,538 | $ 59,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 4,518,000 | $ 347,538 | $ 60,000 |
| Madera, CA | 12 | $ 2,601,000 | $ 216,750 | $ 63,000 |
| Napa, CA | 12 | $ 4,824,000 | $ 402,000 | $ 61,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 3,850,000 | $ 320,833 | $ 50,000 |
| Sebastian-Vero Beach, FL | 12 | $ 2,944,000 | $ 245,333 | $ 77,000 |
| Panama City-Lynn Haven, FL | 11 | $ 2,582,000 | $ 234,727 | $ 65,000 |
| Gainesville, FL | 9 | $ 2,220,000 | $ 246,666 | $ 60,000 |
| Tallahassee, FL | 9 | $ 2,696,000 | $ 299,555 | $ 55,000 |
| Reno-Sparks, NV | 8 | $ 1,549,000 | $ 193,625 | $ 29,000 |
| Hanford-Corcoran, CA | 7 | $ 1,311,000 | $ 187,285 | $ 58,000 |
| Duluth, MN-WI | 4 | $ 548,000 | $ 137,000 | $ 53,000 |
| Carson City, NV | 3 | $ 811,000 | $ 270,333 | $ 25,000 |
| Corvallis, OR | 3 | $ 234,000 | $ 78,000 | $ 68,000 |
| Akron, OH | 2 | $ 550,000 | $ 275,000 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 193,000 | $ 96,500 | $ 84,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 420,000 | $ 210,000 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 490,000 | $ 245,000 | $ 66,000 |
| Warner Robins, GA | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 8,000 | $ 8,000 | $ 25,000 |
| Austin-Round Rock, TX | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Canton-Massillon, OH | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 315,000 | $ 315,000 | $ 110,000 |
| Chattanooga, TN-GA | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Columbus, GA-AL | 1 | $ 8,000 | $ 8,000 | $ 49,000 |
| Columbus, OH | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Edison, NJ | 1 | $ 325,000 | $ 325,000 | $ 75,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Honolulu, HI | 1 | $ 512,000 | $ 512,000 | $ 75,000 |
| Lafayette, IN | 1 | $ 23,000 | $ 23,000 | $ 75,000 |
| Little Rock-North Little Rock, AR | 1 | $ 158,000 | $ 158,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 600,000 | $ 600,000 | $ 75,000 |
| Newark-Union, NJ-PA | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Ogden-Clearfield, UT | 1 | $ 197,000 | $ 197,000 | $ 75,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Rochester, MN | 1 | $ 133,000 | $ 133,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Tacoma, WA | 1 | $ 370,000 | $ 370,000 | $ 54,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 140,000 | $ 140,000 | $ 49,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for American Benefit Mortgage, Inc in 2006
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 | 3,551 | $944,545,000 | $265,000 | $3,000,000 | $67,000 | $1,440,000 |
| Home Purchase | 3,441 | $1,084,108,000 | $315,000 | $43,000,000 | $61,000 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 6,687 | $1,951,181,000 | $291,000 | $43,000,000 | $64,000 | $1,440,000 |
| Hispanic | 296 | $74,745,000 | $252,000 | $975,000 | $71,000 | $168,000 |
| White | 8 | $1,983,000 | $247,000 | $645,000 | $62,000 | $75,000 |
| American Indian or Alaskan Native | 1 | $744,000 | $744,000 | $744,000 | $68,000 | $68,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 6,980 | $2,025,789,000 | $290,000 | $43,000,000 | $64,000 | $1,440,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,240,000 | $177,000 | $315,000 | $69,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 3 | $700,000 | $233,000 | $350,000 | $65,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 2 | $924,000 | $462,000 | $609,000 | $31,000 | $63,000 |
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 Denied By Financial Institution | 5,011 | $1,423,867,000 | $284,000 | $25,300,000 | $65,000 | $1,440,000 |
| File Closed For Incompleteness | 1,246 | $416,681,000 | $334,000 | $43,000,000 | $58,000 | $210,000 |
| Loan Originated | 434 | $110,488,000 | $254,000 | $1,290,000 | $71,000 | $204,000 |
| Application Withdrawn By Applicant | 301 | $77,617,000 | $257,000 | $1,800,000 | $55,000 | $343,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $2,946,000 | $420,000 | $1,632,000 | $67,000 | $110,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Benefit Mortgage, Inc's 2006 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 Benefit Mortgage, Inc'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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