American Enterprise Bank of Fl Mortgage Lending & HMDA Data, 2007

In 2007, American Enterprise Bank of Fl of Jacksnoville, FL reported 1,033 mortgage applications totaling $233.2 million, down 2% from 2006. The average application was for $225,794, and applicants reported an average income of $95,398. 5% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Jacksonville, FL (97), New York-White Plains-Wayne, NY-NJ (66) and Nassau-Suffolk, NY (37) (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 1,033
Total Mortgage Loan Application Amount $233,246,000
Average Mortgage Loan Application Amount $225,794
Highest Mortgage Loan Application Amount $1,047,000
Average Applicant Income $95,398
Highest Applicant Income $720,000

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records American Enterprise Bank of Fl filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2007

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Jacksonville, FL 97 $ 12,303,000 $ 126,835 $ 64,000
New York-White Plains-Wayne, NY-NJ 66 $ 22,986,000 $ 348,272 $ 127,909
Nassau-Suffolk, NY 37 $ 12,016,000 $ 324,756 $ 109,000
Los Angeles-Long Beach-Glendale, CA 33 $ 10,378,000 $ 314,484 $ 105,000
Las Vegas-Paradise, NV 31 $ 7,251,000 $ 233,903 $ 93,000
Riverside-San Bernardino-Ontario, CA 23 $ 7,158,000 $ 311,217 $ 148,000
Charlotte-Gastonia-Concord, NC-SC 21 $ 3,518,000 $ 167,523 $ 104,714
Washington-Arlington-Alexandria, DC-VA-MD-WV 19 $ 5,741,000 $ 302,157 $ 100,842
Seattle-Bellevue-Everett, WA 18 $ 4,762,000 $ 264,555 $ 128,000
Chicago-Naperville-Joliet, IL 17 $ 3,578,000 $ 210,470 $ 70,000
Tampa-St. Petersburg-Clearwater, FL 17 $ 2,859,000 $ 168,176 $ 127,000
Atlanta-Sandy Springs-Marietta, GA 15 $ 4,211,000 $ 280,733 $ 128,000
Newark-Union, NJ-PA 15 $ 4,496,000 $ 299,733 $ 120,000
Cincinnati-Middletown, OH-KY-IN 14 $ 2,462,000 $ 175,857 $ 70,285
Cleveland-Elyria-Mentor, OH 13 $ 2,129,000 $ 163,769 $ 80,000
Edison, NJ 13 $ 3,263,000 $ 251,000 $ 122,000
Boston-Quincy, MA 12 $ 3,722,000 $ 310,166 $ 100,000
Oakland-Fremont-Hayward, CA 12 $ 4,649,000 $ 387,416 $ 165,000
Salt Lake City, UT 12 $ 2,661,000 $ 221,750 $ 77,000
Camden, NJ 11 $ 2,804,000 $ 254,909 $ 117,000
Provo-Orem, UT 11 $ 2,092,000 $ 190,181 $ 67,000
San Diego-Carlsbad-San Marcos, CA 11 $ 3,177,000 $ 288,818 $ 104,000
Columbus, OH 10 $ 2,265,000 $ 226,500 $ 70,000
Miami-Miami Beach-Kendall, FL 10 $ 3,177,000 $ 317,700 $ 143,000
Orlando-Kissimmee, FL 10 $ 2,111,000 $ 211,100 $ 77,000
Poughkeepsie-Newburgh-Middletown, NY 10 $ 2,356,000 $ 235,600 $ 100,000
Sacramento--Arden-Arcade--Roseville, CA 10 $ 2,605,000 $ 260,500 $ 114,000
Portland-Vancouver-Beaverton, OR-WA 9 $ 2,036,000 $ 226,222 $ 95,666
Baltimore-Towson, MD 8 $ 2,283,000 $ 285,375 $ 109,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 8 $ 1,493,000 $ 186,625 $ 82,000
Philadelphia, PA 8 $ 1,821,000 $ 227,625 $ 94,000
Santa Ana-Anaheim-Irvine, CA 8 $ 3,167,000 $ 395,875 $ 237,000
Bethesda-Gaithersburg-Frederick, MD 7 $ 2,141,000 $ 305,857 $ 98,000
Boise City-Nampa, ID 7 $ 1,414,000 $ 202,000 $ 89,000
Cambridge-Newton-Framingham, MA 7 $ 1,350,000 $ 192,857 $ 104,000
Ogden-Clearfield, UT 7 $ 1,037,000 $ 148,142 $ 90,000
Oxnard-Thousand Oaks-Ventura, CA 7 $ 1,816,000 $ 259,428 $ 119,000
Rochester, NY 7 $ 658,000 $ 94,000 $ 58,000
Toledo, OH 7 $ 907,000 $ 129,571 $ 53,000
Houston-Sugar Land-Baytown, TX 6 $ 934,000 $ 155,666 $ 80,000
Palm Bay-Melbourne-Titusville, FL 6 $ 1,217,000 $ 202,833 $ 95,000
Providence-New Bedford-Fall River, RI-MA 6 $ 1,068,000 $ 178,000 $ 70,000
Raleigh-Cary, NC 6 $ 1,078,000 $ 179,666 $ 106,000
Reno-Sparks, NV 6 $ 2,116,000 $ 352,666 $ 164,000
West Palm Beach-Boca Raton-Boynton Beach, FL 6 $ 1,773,000 $ 295,500 $ 106,000
Akron, OH 5 $ 808,000 $ 161,600 $ 60,000
Kingston, NY 5 $ 886,000 $ 177,200 $ 78,000
Milwaukee-Waukesha-West Allis, WI 5 $ 1,035,000 $ 207,000 $ 91,000
San Francisco-San Mateo-Redwood City, CA 5 $ 1,911,000 $ 382,200 $ 194,000
Albany-Schenectady-Troy, NY 4 $ 328,000 $ 82,000 $ 39,000
Albuquerque, NM 4 $ 1,174,000 $ 293,500 $ 80,000
Allentown-Bethlehem-Easton, PA-NJ 4 $ 477,000 $ 119,250 $ 65,000
Dallas-Plano-Irving, TX 4 $ 552,000 $ 138,000 $ 38,000
Dayton, OH 4 $ 675,000 $ 168,750 $ 90,000
Deltona-Daytona Beach-Ormond Beach, FL 4 $ 979,000 $ 244,750 $ 89,000
Durham, NC 4 $ 920,000 $ 230,000 $ 66,000
Peabody, MA 4 $ 830,000 $ 207,500 $ 74,000
Phoenix-Mesa-Scottsdale, AZ 4 $ 638,000 $ 159,500 $ 45,000
Pittsburgh, PA 4 $ 465,000 $ 116,250 $ 71,000
Port St. Lucie, FL 4 $ 1,383,000 $ 345,750 $ 231,000
Spokane, WA 4 $ 996,000 $ 249,000 $ 73,000
St. George, UT 4 $ 557,000 $ 139,250 $ 53,000
Stockton, CA 4 $ 969,000 $ 242,250 $ 91,000
Virginia Beach-Norfolk-Newport News, VA-NC 4 $ 1,208,000 $ 302,000 $ 165,000
Warren-Troy-Farmington Hills, MI 4 $ 743,000 $ 185,750 $ 90,000
Wilmington, DE-MD-NJ 4 $ 528,000 $ 132,000 $ 47,000
Worcester, MA 4 $ 1,144,000 $ 286,000 $ 77,000
Bridgeport-Stamford-Norwalk, CT 3 $ 625,000 $ 208,333 $ 101,000
Buffalo-Niagara Falls, NY 3 $ 614,000 $ 204,666 $ 84,000
Cape Coral-Fort Myers, FL 3 $ 646,000 $ 215,333 $ 75,000
Fresno, CA 3 $ 675,000 $ 225,000 $ 75,000
Harrisburg-Carlisle, PA 3 $ 421,000 $ 140,333 $ 53,000
Lakeland, FL 3 $ 629,000 $ 209,666 $ 89,000
Omaha-Council Bluffs, NE-IA 3 $ 380,000 $ 126,666 $ 78,000
Richmond, VA 3 $ 575,000 $ 191,666 $ 66,000
San Jose-Sunnyvale-Santa Clara, CA 3 $ 1,814,000 $ 604,666 $ 202,000
Springfield, MA 3 $ 912,000 $ 304,000 $ 119,000
Syracuse, NY 3 $ 561,000 $ 187,000 $ 79,000
Tallahassee, FL 3 $ 308,000 $ 102,666 $ 39,000
Bakersfield, CA 2 $ 367,000 $ 183,500 $ 82,000
Charleston-North Charleston, SC 2 $ 265,000 $ 132,500 $ 48,000
Coeur D'Alene, ID 2 $ 421,000 $ 210,500 $ 30,000
Columbus, GA-AL 2 $ 228,000 $ 114,000 $ 85,000
Denver-Aurora, CO 2 $ 373,000 $ 186,500 $ 329,000
Evansville, IN-KY 2 $ 200,000 $ 100,000 $ 305,000
Fort Worth-Arlington, TX 2 $ 284,000 $ 142,000 $ 95,000
Greensboro-High Point, NC 2 $ 346,000 $ 173,000 $ 88,000
Greenville, NC 2 $ 322,000 $ 161,000 $ 102,000
Idaho Falls, ID 2 $ 630,000 $ 315,000 $ 152,000
Indianapolis-Carmel, IN 2 $ 295,000 $ 147,500 $ 49,000
Kansas City, MO-KS 2 $ 163,000 $ 81,500 $ 47,000
Kennewick-Richland-Pasco, WA 2 $ 326,000 $ 163,000 $ 77,000
Louisville-Jefferson County, KY-IN 2 $ 337,000 $ 168,500 $ 120,000
Modesto, CA 2 $ 676,000 $ 338,000 $ 121,000
Naples-Marco Island, FL 2 $ 373,000 $ 186,500 $ 133,000
Ocala, FL 2 $ 425,000 $ 212,500 $ 50,000
Salem, OR 2 $ 424,000 $ 212,000 $ 71,000
San Antonio, TX 2 $ 580,000 $ 290,000 $ 120,000
Springfield, OH 2 $ 175,000 $ 87,500 $ 58,000
Tacoma, WA 2 $ 450,000 $ 225,000 $ 74,000
Tulsa, OK 2 $ 225,000 $ 112,500 $ 109,000
Winston-Salem, NC 2 $ 673,000 $ 336,500 $ 135,000
Youngstown-Warren-Boardman, OH-PA 2 $ 358,000 $ 179,000 $ 109,000
Asheville, NC 1 $ 399,000 $ 399,000 $ 96,000
Atlantic City, NJ 1 $ 410,000 $ 410,000 $ 89,000
Austin-Round Rock, TX 1 $ 210,000 $ 210,000 $ 80,000
Barnstable Town, MA 1 $ 231,000 $ 231,000 $ 48,000
Bend, OR 1 $ 214,000 $ 214,000 $ 0
Blacksburg-Christiansburg-Radford, VA 1 $ 411,000 $ 411,000 $ 54,000
Burlington-South Burlington, VT 1 $ 200,000 $ 200,000 $ 98,000
Canton-Massillon, OH 1 $ 129,000 $ 129,000 $ 68,000
Charleston, WV 1 $ 250,000 $ 250,000 $ 96,000
Charlottesville, VA 1 $ 408,000 $ 408,000 $ 72,000
Chattanooga, TN-GA 1 $ 92,000 $ 92,000 $ 45,000
Cheyenne, WY 1 $ 211,000 $ 211,000 $ 204,000
Clarksville, TN-KY 1 $ 257,000 $ 257,000 $ 54,000
Corpus Christi, TX 1 $ 60,000 $ 60,000 $ 43,000
Eugene-Springfield, OR 1 $ 275,000 $ 275,000 $ 133,000
Fayetteville-Springdale-Rogers, AR-MO 1 $ 160,000 $ 160,000 $ 156,000
Gainesville, FL 1 $ 20,000 $ 20,000 $ 65,000
Goldsboro, NC 1 $ 80,000 $ 80,000 $ 29,000
Great Falls, MT 1 $ 145,000 $ 145,000 $ 65,000
Greeley, CO 1 $ 160,000 $ 160,000 $ 59,000
Greenville-Mauldin-Easley, SC 1 $ 179,000 $ 179,000 $ 84,000
Hartford-West Hartford-East Hartford, CT 1 $ 228,000 $ 228,000 $ 144,000
Hickory-Lenoir-Morganton, NC 1 $ 100,000 $ 100,000 $ 44,000
Jackson, MI 1 $ 268,000 $ 268,000 $ 0
La Crosse, WI-MN 1 $ 185,000 $ 185,000 $ 115,000
Lake County-Kenosha County, IL-WI 1 $ 265,000 $ 265,000 $ 64,000
Lancaster, PA 1 $ 80,000 $ 80,000 $ 34,000
Lansing-East Lansing, MI 1 $ 200,000 $ 200,000 $ 37,000
Las Cruces, NM 1 $ 75,000 $ 75,000 $ 32,000
Little Rock-North Little Rock-Conway, AR 1 $ 200,000 $ 200,000 $ 90,000
Logan, UT-ID 1 $ 110,000 $ 110,000 $ 66,000
Lynchburg, VA 1 $ 243,000 $ 243,000 $ 216,000
Madison, WI 1 $ 257,000 $ 257,000 $ 160,000
Manchester-Nashua, NH 1 $ 108,000 $ 108,000 $ 24,000
Mansfield, OH 1 $ 230,000 $ 230,000 $ 71,000
Memphis, TN-MS-AR 1 $ 70,000 $ 70,000 $ 60,000
Merced, CA 1 $ 352,000 $ 352,000 $ 65,000
Minneapolis-St. Paul-Bloomington, MN-WI 1 $ 294,000 $ 294,000 $ 116,000
Missoula, MT 1 $ 213,000 $ 213,000 $ 54,000
Mount Vernon-Anacortes, WA 1 $ 154,000 $ 154,000 $ 120,000
Ocean City, NJ 1 $ 235,000 $ 235,000 $ 153,000
Olympia, WA 1 $ 398,000 $ 398,000 $ 104,000
Palm Coast, FL 1 $ 219,000 $ 219,000 $ 75,000
Pensacola-Ferry Pass-Brent, FL 1 $ 120,000 $ 120,000 $ 32,000
Pittsfield, MA 1 $ 250,000 $ 250,000 $ 96,000
Prescott, AZ 1 $ 228,000 $ 228,000 $ 33,000
Punta Gorda, FL 1 $ 100,000 $ 100,000 $ 20,000
San Luis Obispo-Paso Robles, CA 1 $ 294,000 $ 294,000 $ 82,000
Santa Rosa-Petaluma, CA 1 $ 295,000 $ 295,000 $ 25,000
Savannah, GA 1 $ 114,000 $ 114,000 $ 31,000
Scranton--Wilkes-Barre, PA 1 $ 100,000 $ 100,000 $ 321,000
Spartanburg, SC 1 $ 130,000 $ 130,000 $ 61,000
Springfield, MO 1 $ 152,000 $ 152,000 $ 46,000
St. Louis, MO-IL 1 $ 170,000 $ 170,000 $ 90,000
Trenton-Ewing, NJ 1 $ 120,000 $ 120,000 $ 36,000
Utica-Rome, NY 1 $ 154,000 $ 154,000 $ 39,000
Vallejo-Fairfield, CA 1 $ 295,000 $ 295,000 $ 84,000
Visalia-Porterville, CA 1 $ 288,000 $ 288,000 $ 104,000
Warner Robins, GA 1 $ 100,000 $ 100,000 $ 115,000
Wenatchee, WA 1 $ 180,000 $ 180,000 $ 65,000
Wichita, KS 1 $ 124,000 $ 124,000 $ 37,000
Wilmington, NC 1 $ 223,000 $ 223,000 $ 53,000

Mortgage Loan Application Detail Totals for American Enterprise Bank of Fl in 2007

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 773 $173,665,000 $224,000 $1,047,000 $91,000 $720,000
Home Purchase 251 $59,103,000 $235,000 $1,000,000 $110,000 $370,000
Home Improvement 9 $478,000 $53,000 $151,000 $66,000 $165,000

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 536 $110,192,000 $205,000 $1,047,000 $92,000 $500,000
Not Provided 310 $77,738,000 $250,000 $1,000,000 $94,000 $600,000
Asian 69 $20,062,000 $290,000 $555,000 $147,000 $720,000
Black or African American 56 $10,819,000 $193,000 $521,000 $77,000 $200,000
Hispanic 51 $12,656,000 $248,000 $551,000 $91,000 $258,000
American Indian or Alaskan Native 8 $1,166,000 $145,000 $400,000 $67,000 $115,000
Native Hawaiian or Other Pacific Islander 3 $613,000 $204,000 $350,000 $110,000 $149,000
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) 1,020 $230,944,000 $226,000 $1,047,000 $95,000 $720,000
FHA-insured (Federal Housing Administration) 13 $2,302,000 $177,000 $342,000 $84,000 $365,000
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
Application Withdrawn By Applicant 662 $155,318,000 $234,000 $1,000,000 $101,000 $720,000
Application Denied By Financial Institution 317 $73,102,000 $230,000 $1,047,000 $90,000 $500,000
Loan Originated 52 $4,469,000 $85,000 $320,000 $58,000 $165,000
Application Approved But Not Accepted 2 $357,000 $178,000 $257,000 $131,000 $160,000
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
Credit History 113 $23,466,000 $207,000 $1,047,000 $80,000 $500,000
Debt-To-Income Ratio 74 $21,550,000 $291,000 $760,000 $84,000 $280,000
Collateral 70 $13,847,000 $197,000 $640,000 $98,000 $420,000
Other 19 $4,480,000 $235,000 $567,000 $127,000 $300,000
Unverifiable Information 17 $4,093,000 $240,000 $418,000 $117,000 $224,000
Insufficient Cash (Downpayment, Closing Cost) 12 $2,486,000 $207,000 $530,000 $67,000 $110,000
Employment History 7 $1,695,000 $242,000 $689,000 $114,000 $321,000
Credit Application Incomplete 4 $1,168,000 $292,000 $500,000 $81,000 $156,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Enterprise Bank of Fl's 2007 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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