American Enterprise Bank of Fl Mortgage Lending & HMDA Data, 2009

In 2009, American Enterprise Bank of Fl of Jacksnoville, FL reported 523 mortgage applications totaling $126.6 million, down 49% from 2008. The average application was for $242,110, and applicants reported an average income of $100,816. 4% of its applications resulted in an originated loan and 46% were denied. Its largest markets were Jacksonville, FL (124), New York-White Plains-Wayne, NY-NJ (27) and Los Angeles-Long Beach-Glendale, CA (22) (applications in parentheses).

Mortgage Company & Address American Enterprise Bank of Fl
10611 Deerwood Park Blvd
Jacksnoville, FL 32256
Tel #: available with data download
Federal Regulator * available with data download
Years 2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  
Total Number of Mortgage Applications 523
Total Mortgage Loan Application Amount $126,624,000
Average Mortgage Loan Application Amount $242,110
Highest Mortgage Loan Application Amount $1,385,000
Average Applicant Income $100,816
Highest Applicant Income $742,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Enterprise Bank of Fl filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Enterprise Bank of Fl by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Duval, Florida 63 $ 10,340,000 $ 164,126 $ 73,000
Baker, Florida 42 $ 5,370,000 $ 127,857 $ 60,000
Los Angeles, California 22 $ 8,356,000 $ 379,818 $ 108,000
Broward, Florida 14 $ 3,075,000 $ 219,642 $ 93,000
Clark, Nevada 12 $ 2,870,000 $ 239,166 $ 136,000
Orange, California 11 $ 3,350,000 $ 304,545 $ 97,000
Clay, Florida 11 $ 2,112,000 $ 192,000 $ 81,000
Bergen, New Jersey 9 $ 2,863,000 $ 318,111 $ 73,000
Nassau, New York 9 $ 3,035,000 $ 337,222 $ 112,000
San Diego, California 7 $ 2,043,000 $ 291,857 $ 80,000
Bernalillo, New Mexico 7 $ 1,815,000 $ 259,285 $ 113,000
Wake, North Carolina 7 $ 1,922,000 $ 274,571 $ 104,000
Palm Beach, Florida 6 $ 1,371,000 $ 228,500 $ 130,000
Middlesex, Massachusetts 6 $ 1,633,000 $ 272,166 $ 100,000
Kings, New York 6 $ 2,018,000 $ 336,333 $ 99,000
Santa Clara, California 5 $ 2,468,000 $ 493,600 $ 132,000
Orange, Florida 5 $ 769,000 $ 153,800 $ 55,000
St. Johns, Florida 5 $ 800,000 $ 160,000 $ 43,000
Philadelphia, Pennsylvania 5 $ 739,000 $ 147,800 $ 44,000
St. Lucie, Florida 4 $ 741,000 $ 185,250 $ 93,000
Passaic, New Jersey 4 $ 1,323,000 $ 330,750 $ 88,000
Richmond, New York 4 $ 1,600,000 $ 400,000 $ 110,000
Butler, Ohio 4 $ 1,576,000 $ 394,000 $ 212,000
Montgomery, Pennsylvania 4 $ 1,027,000 $ 256,750 $ 121,000
King, Washington 4 $ 1,091,000 $ 272,750 $ 89,000
Contra Costa, California 3 $ 1,074,000 $ 358,000 $ 123,000
San Francisco, California 3 $ 744,000 $ 248,000 $ 39,000
Stanislaus, California 3 $ 836,000 $ 278,666 $ 80,000
Ventura, California 3 $ 921,000 $ 307,000 $ 156,000
Brevard, Florida 3 $ 394,000 $ 131,333 $ 43,000
Citrus, Florida 3 $ 512,000 $ 170,666 $ 62,000
Lee, Florida 3 $ 900,000 $ 300,000 $ 115,000
Nassau, Florida 3 $ 537,000 $ 179,000 $ 36,000
Fulton, Georgia 3 $ 949,000 $ 316,333 $ 112,000
Montgomery, Maryland 3 $ 919,000 $ 306,333 $ 213,000
Atlantic, New Jersey 3 $ 670,000 $ 223,333 $ 127,000
Monmouth, New Jersey 3 $ 829,000 $ 276,333 $ 107,000
Somerset, New Jersey 3 $ 880,000 $ 293,333 $ 116,000
Union, New Jersey 3 $ 1,063,000 $ 354,333 $ 182,000
Suffolk, New York 3 $ 1,006,000 $ 335,333 $ 175,000
Washington, New York 3 $ 523,000 $ 174,333 $ 93,000
Mecklenburg, North Carolina 3 $ 675,000 $ 225,000 $ 48,000
Multnomah, Oregon 3 $ 917,000 $ 305,666 $ 142,000
Davidson, Tennessee 3 $ 580,000 $ 193,333 $ 95,000
Pierce, Washington 3 $ 793,000 $ 264,333 $ 82,000
Marin, California 2 $ 300,000 $ 150,000 $ 303,000
Riverside, California 2 $ 400,000 $ 200,000 $ 102,000
Sacramento, California 2 $ 439,000 $ 219,500 $ 84,000
San Benito, California 2 $ 525,000 $ 262,500 $ 252,000
San Bernardino, California 2 $ 532,000 $ 266,000 $ 107,000
Solano, California 2 $ 289,000 $ 144,500 $ 54,000
Denver, Colorado 2 $ 504,000 $ 252,000 $ 90,000
Douglas, Colorado 2 $ 653,000 $ 326,500 $ 61,000
El Paso, Colorado 2 $ 715,000 $ 357,500 $ 80,000
Fairfield, Connecticut 2 $ 698,000 $ 349,000 $ 77,000
Hartford, Connecticut 2 $ 585,000 $ 292,500 $ 216,000
Alachua, Florida 2 $ 790,000 $ 395,000 $ 315,000
Bay, Florida 2 $ 344,000 $ 172,000 $ 65,000
Collier, Florida 2 $ 475,000 $ 237,500 $ 140,000
Hillsborough, Florida 2 $ 463,000 $ 231,500 $ 120,000
Charlton, Georgia 2 $ 140,000 $ 70,000 $ 37,000
Cherokee, Georgia 2 $ 466,000 $ 233,000 $ 114,000
Cobb, Georgia 2 $ 577,000 $ 288,500 $ 107,000
Fayette, Georgia 2 $ 342,000 $ 171,000 $ 96,000
Gwinnett, Georgia 2 $ 480,000 $ 240,000 $ 134,000
Henry, Georgia 2 $ 312,000 $ 156,000 $ 90,000
Ada, Idaho 2 $ 767,000 $ 383,500 $ 240,000
Hampden, Massachusetts 2 $ 687,000 $ 343,500 $ 138,000
Camden, New Jersey 2 $ 491,000 $ 245,500 $ 135,000
Gloucester, New Jersey 2 $ 589,000 $ 294,500 $ 127,000
Middlesex, New Jersey 2 $ 616,000 $ 308,000 $ 107,000
Morris, New Jersey 2 $ 656,000 $ 328,000 $ 82,000
Ocean, New Jersey 2 $ 350,000 $ 175,000 $ 40,000
Orange, New York 2 $ 521,000 $ 260,500 $ 94,000
Umatilla, Oregon 2 $ 272,000 $ 136,000 $ 70,000
Centre, Pennsylvania 2 $ 453,000 $ 226,500 $ 82,000
Lehigh, Pennsylvania 2 $ 445,000 $ 222,500 $ 125,000
Northampton, Pennsylvania 2 $ 613,000 $ 306,500 $ 107,000
York, South Carolina 2 $ 394,000 $ 197,000 $ 109,000
Fairfax, Virginia 2 $ 585,000 $ 292,500 $ 420,000
Stafford, Virginia 2 $ 822,000 $ 411,000 $ 106,000
Maricopa, Arizona 1 $ 380,000 $ 380,000 $ 132,000
Faulkner, Arkansas 1 $ 207,000 $ 207,000 $ 88,000
Alameda, California 1 $ 275,000 $ 275,000 $ 84,000
El Dorado, California 1 $ 374,000 $ 374,000 $ 117,000
Fresno, California 1 $ 417,000 $ 417,000 $ 95,000
Kern, California 1 $ 180,000 $ 180,000 $ 70,000
San Joaquin, California 1 $ 410,000 $ 410,000 $ 97,000
San Luis Obispo, California 1 $ 173,000 $ 173,000 $ 135,000
Santa Barbara, California 1 $ 395,000 $ 395,000 $ 122,000
Sonoma, California 1 $ 240,000 $ 240,000 $ 110,000
Jefferson, Colorado 1 $ 207,000 $ 207,000 $ 0
Pueblo, Colorado 1 $ 195,000 $ 195,000 $ 0
Litchfield, Connecticut 1 $ 272,000 $ 272,000 $ 89,000
New Haven, Connecticut 1 $ 142,000 $ 142,000 $ 79,000
New Castle, Delaware 1 $ 144,000 $ 144,000 $ 36,000
Bradford, Florida 1 $ 290,000 $ 290,000 $ 60,000
Charlotte, Florida 1 $ 127,000 $ 127,000 $ 130,000
Flagler, Florida 1 $ 417,000 $ 417,000 $ 155,000
Franklin, Florida 1 $ 114,000 $ 114,000 $ 42,000
Leon, Florida 1 $ 97,000 $ 97,000 $ 37,000
Manatee, Florida 1 $ 372,000 $ 372,000 $ 225,000
Miami-Dade, Florida 1 $ 188,000 $ 188,000 $ 425,000
Okaloosa, Florida 1 $ 355,000 $ 355,000 $ 125,000
Pasco, Florida 1 $ 163,000 $ 163,000 $ 0
Polk, Florida 1 $ 164,000 $ 164,000 $ 56,000
Putnam, Florida 1 $ 65,000 $ 65,000 $ 58,000
Seminole, Florida 1 $ 97,000 $ 97,000 $ 23,000
Volusia, Florida 1 $ 78,000 $ 78,000 $ 58,000
Walton, Florida 1 $ 210,000 $ 210,000 $ 39,000
Bibb, Georgia 1 $ 365,000 $ 365,000 $ 79,000
Bryan, Georgia 1 $ 139,000 $ 139,000 $ 69,000
Butts, Georgia 1 $ 170,000 $ 170,000 $ 23,000
Chatham, Georgia 1 $ 168,000 $ 168,000 $ 48,000
DeKalb, Georgia 1 $ 405,000 $ 405,000 $ 314,000
Dougherty, Georgia 1 $ 225,000 $ 225,000 $ 82,000
Lowndes, Georgia 1 $ 195,000 $ 195,000 $ 156,000
Pickens, Georgia 1 $ 191,000 $ 191,000 $ 43,000
Pulaski, Georgia 1 $ 57,000 $ 57,000 $ 26,000
Walton, Georgia 1 $ 165,000 $ 165,000 $ 58,000
Washington, Georgia 1 $ 276,000 $ 276,000 $ 48,000
Bonner, Idaho 1 $ 222,000 $ 222,000 $ 126,000
DuPage, Illinois 1 $ 147,000 $ 147,000 $ 104,000
York, Maine 1 $ 167,000 $ 167,000 $ 112,000
Anne Arundel, Maryland 1 $ 268,000 $ 268,000 $ 105,000
Charles, Maryland 1 $ 265,000 $ 265,000 $ 113,000
Dorchester, Maryland 1 $ 304,000 $ 304,000 $ 85,000
Howard, Maryland 1 $ 372,000 $ 372,000 $ 124,000
Barnstable, Massachusetts 1 $ 262,000 $ 262,000 $ 79,000
Berkshire, Massachusetts 1 $ 272,000 $ 272,000 $ 88,000
Suffolk, Massachusetts 1 $ 310,000 $ 310,000 $ 150,000
Worcester, Massachusetts 1 $ 150,000 $ 150,000 $ 106,000
Anoka, Minnesota 1 $ 215,000 $ 215,000 $ 140,000
Ramsey, Minnesota 1 $ 336,000 $ 336,000 $ 90,000
Ravalli, Montana 1 $ 300,000 $ 300,000 $ 72,000
Yellowstone, Montana 1 $ 300,000 $ 300,000 $ 72,000
Storey, Nevada 1 $ 105,000 $ 105,000 $ 22,000
Washoe, Nevada 1 $ 165,000 $ 165,000 $ 88,000
Burlington, New Jersey 1 $ 321,000 $ 321,000 $ 53,000
Cape May, New Jersey 1 $ 141,000 $ 141,000 $ 61,000
Essex, New Jersey 1 $ 362,000 $ 362,000 $ 127,000
Hudson, New Jersey 1 $ 377,000 $ 377,000 $ 84,000
Mercer, New Jersey 1 $ 240,000 $ 240,000 $ 186,000
Albany, New York 1 $ 156,000 $ 156,000 $ 75,000
Bronx, New York 1 $ 262,000 $ 262,000 $ 181,000
Broome, New York 1 $ 82,000 $ 82,000 $ 107,000
Cattaraugus, New York 1 $ 183,000 $ 183,000 $ 36,000
Chautauqua, New York 1 $ 263,000 $ 263,000 $ 165,000
Columbia, New York 1 $ 280,000 $ 280,000 $ 136,000
Delaware, New York 1 $ 318,000 $ 318,000 $ 168,000
Dutchess, New York 1 $ 244,000 $ 244,000 $ 148,000
Erie, New York 1 $ 146,000 $ 146,000 $ 94,000
Oneida, New York 1 $ 237,000 $ 237,000 $ 163,000
Orleans, New York 1 $ 224,000 $ 224,000 $ 122,000
Putnam, New York 1 $ 360,000 $ 360,000 $ 90,000
Queens, New York 1 $ 300,000 $ 300,000 $ 164,000
Avery, North Carolina 1 $ 400,000 $ 400,000 $ 360,000
Beaufort, North Carolina 1 $ 170,000 $ 170,000 $ 48,000
Buncombe, North Carolina 1 $ 341,000 $ 341,000 $ 164,000
Cabarrus, North Carolina 1 $ 277,000 $ 277,000 $ 48,000
Chatham, North Carolina 1 $ 417,000 $ 417,000 $ 205,000
Cumberland, North Carolina 1 $ 308,000 $ 308,000 $ 162,000
Durham, North Carolina 1 $ 214,000 $ 214,000 $ 125,000
Franklin, North Carolina 1 $ 208,000 $ 208,000 $ 70,000
Haywood, North Carolina 1 $ 302,000 $ 302,000 $ 80,000
Macon, North Carolina 1 $ 177,000 $ 177,000 $ 45,000
Onslow, North Carolina 1 $ 87,000 $ 87,000 $ 29,000
Orange, North Carolina 1 $ 375,000 $ 375,000 $ 213,000
Union, North Carolina 1 $ 284,000 $ 284,000 $ 94,000
Bottineau, North Dakota 1 $ 127,000 $ 127,000 $ 67,000
Delaware, Ohio 1 $ 278,000 $ 278,000 $ 252,000
Lucas, Ohio 1 $ 351,000 $ 351,000 $ 145,000
Summit, Ohio 1 $ 242,000 $ 242,000 $ 236,000
Washington, Ohio 1 $ 132,000 $ 132,000 $ 92,000
Clatsop, Oregon 1 $ 179,000 $ 179,000 $ 0
Curry, Oregon 1 $ 342,000 $ 342,000 $ 177,000
Deschutes, Oregon 1 $ 400,000 $ 400,000 $ 220,000
Washington, Oregon 1 $ 400,000 $ 400,000 $ 165,000
Delaware, Pennsylvania 1 $ 189,000 $ 189,000 $ 80,000
Lackawanna, Pennsylvania 1 $ 160,000 $ 160,000 $ 288,000
Lancaster, Pennsylvania 1 $ 173,000 $ 173,000 $ 600,000
Snyder, Pennsylvania 1 $ 70,000 $ 70,000 $ 78,000
York, Pennsylvania 1 $ 256,000 $ 256,000 $ 95,000
Berkeley, South Carolina 1 $ 158,000 $ 158,000 $ 30,000
Charleston, South Carolina 1 $ 250,000 $ 250,000 $ 39,000
Utah, Utah 1 $ 232,000 $ 232,000 $ 137,000
Albemarle, Virginia 1 $ 300,000 $ 300,000 $ 91,000
Arlington, Virginia 1 $ 589,000 $ 589,000 $ 265,000
Dinwiddie, Virginia 1 $ 191,000 $ 191,000 $ 108,000
Prince William, Virginia 1 $ 397,000 $ 397,000 $ 105,000
Spokane, Washington 1 $ 156,000 $ 156,000 $ 52,000
Milwaukee, Wisconsin 1 $ 400,000 $ 400,000 $ 93,000
Racine, Wisconsin 1 $ 254,000 $ 254,000 $ 89,000
Sheboygan, Wisconsin 1 $ 245,000 $ 245,000 $ 100,000
Waukesha, Wisconsin 1 $ 264,000 $ 264,000 $ 63,000
Uinta, Wyoming 1 $ 250,000 $ 250,000 $ 151,000

Mortgage Loan Application Detail Totals for American Enterprise Bank of Fl in 2009

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 440 $113,918,000 $258,000 $1,385,000 $103,000 $600,000
Home Purchase 80 $12,646,000 $158,000 $559,000 $90,000 $742,000
Home Improvement 3 $60,000 $20,000 $39,000 $69,000 $163,000

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 268 $64,232,000 $239,000 $1,385,000 $109,000 $742,000
Not Provided 152 $40,671,000 $267,000 $687,000 $91,000 $441,000
Black or African American 44 $7,848,000 $178,000 $520,000 $68,000 $275,000
Asian 32 $8,579,000 $268,000 $559,000 $102,000 $233,000
Hispanic 21 $4,413,000 $210,000 $411,000 $128,000 $600,000
Not applicable 4 $234,000 $58,000 $100,000 $105,000 $140,000
Native Hawaiian or Other Pacific Islander 1 $343,000 $343,000 $343,000 $370,000 $370,000
American Indian or Alaskan Native 1 $304,000 $304,000 $304,000 $85,000 $85,000

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) 433 $109,810,000 $253,000 $1,385,000 $108,000 $742,000
FHA-insured (Federal Housing Administration) 80 $14,676,000 $183,000 $589,000 $71,000 $600,000
VA-guaranteed (Veterans Administration) 9 $2,071,000 $230,000 $365,000 $53,000 $99,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $67,000 $67,000 $67,000 $15,000 $15,000

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 257 $67,977,000 $264,000 $1,385,000 $109,000 $600,000
Application Denied By Financial Institution 240 $55,174,000 $229,000 $687,000 $93,000 $742,000
Loan Originated 20 $1,746,000 $87,000 $343,000 $92,000 $370,000
Application Approved But Not Accepted 6 $1,727,000 $287,000 $390,000 $131,000 $198,000
File Closed For Incompleteness 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
Collateral 84 $23,038,000 $274,000 $417,000 $113,000 $425,000
Credit History 65 $11,700,000 $180,000 $520,000 $72,000 $360,000
Debt-To-Income Ratio 34 $7,159,000 $210,000 $368,000 $64,000 $288,000
Credit Application Incomplete 20 $4,580,000 $229,000 $406,000 $91,000 $234,000
Other 11 $2,766,000 $251,000 $405,000 $106,000 $233,000
Unverifiable Information 10 $2,524,000 $252,000 $379,000 $167,000 $742,000
Employment History 2 $504,000 $252,000 $417,000 $52,000 $76,000
Insufficient Cash (Downpayment, Closing Cost) 2 $389,000 $194,000 $241,000 $39,000 $50,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Enterprise Bank of Fl's 2009 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 Enterprise Bank of Fl'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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