American Enterprise Bank of Fl Mortgage Lending & HMDA Data, 2008
In 2008, American Enterprise Bank of Fl of Jacksnoville, FL reported 1,027 mortgage applications totaling $269.0 million, down 1% from 2007. The average application was for $261,897, and applicants reported an average income of $109,823. 5% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Jacksonville, FL (126), New York-White Plains-Wayne, NY-NJ (71) and Los Angeles-Long Beach-Glendale, CA (38) (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 | 1,027 |
| Total Mortgage Loan Application Amount | $268,969,000 |
| Average Mortgage Loan Application Amount | $261,897 |
| Highest Mortgage Loan Application Amount | $1,446,000 |
| Average Applicant Income | $109,823 |
| Highest Applicant Income | $1,019,000 |
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records American Enterprise Bank of Fl filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 126 | $ 20,151,000 | $ 159,928 | $ 75,000 |
| New York-White Plains-Wayne, NY-NJ | 71 | $ 25,780,000 | $ 363,098 | $ 132,704 |
| Los Angeles-Long Beach-Glendale, CA | 38 | $ 14,022,000 | $ 369,000 | $ 112,000 |
| Atlanta-Sandy Springs-Marietta, GA | 30 | $ 8,312,000 | $ 277,066 | $ 92,000 |
| Las Vegas-Paradise, NV | 29 | $ 6,193,000 | $ 213,551 | $ 102,000 |
| Newark-Union, NJ-PA | 28 | $ 9,454,000 | $ 337,642 | $ 134,642 |
| Philadelphia, PA | 26 | $ 6,368,000 | $ 244,923 | $ 108,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 23 | $ 8,013,000 | $ 348,391 | $ 147,000 |
| Seattle-Bellevue-Everett, WA | 23 | $ 7,326,000 | $ 318,521 | $ 110,000 |
| Nassau-Suffolk, NY | 22 | $ 7,267,000 | $ 330,318 | $ 116,000 |
| Boston-Quincy, MA | 21 | $ 6,280,000 | $ 299,047 | $ 127,000 |
| Edison-New Brunswick, NJ | 21 | $ 7,054,000 | $ 335,904 | $ 145,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 21 | $ 3,956,000 | $ 188,380 | $ 87,000 |
| Riverside-San Bernardino-Ontario, CA | 19 | $ 5,593,000 | $ 294,368 | $ 80,000 |
| Orlando-Kissimmee, FL | 18 | $ 4,825,000 | $ 268,055 | $ 97,000 |
| San Diego-Carlsbad-San Marcos, CA | 18 | $ 6,287,000 | $ 349,277 | $ 148,000 |
| Santa Ana-Anaheim-Irvine, CA | 16 | $ 7,180,000 | $ 448,750 | $ 116,000 |
| Camden, NJ | 14 | $ 4,067,000 | $ 290,500 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 3,570,000 | $ 274,615 | $ 126,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 12 | $ 3,128,000 | $ 260,666 | $ 89,000 |
| Baltimore-Towson, MD | 11 | $ 3,674,000 | $ 334,000 | $ 133,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 4,268,000 | $ 388,000 | $ 118,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 1,954,000 | $ 177,636 | $ 218,000 |
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 2,286,000 | $ 228,600 | $ 98,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 2,873,000 | $ 319,222 | $ 110,000 |
| New Haven-Milford, CT | 9 | $ 2,301,000 | $ 255,666 | $ 91,000 |
| Charlotte-Gastonia-Concord, NC-SC | 8 | $ 1,862,000 | $ 232,750 | $ 71,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 2,554,000 | $ 319,250 | $ 124,500 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 8 | $ 1,796,000 | $ 224,500 | $ 123,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 2,076,000 | $ 296,571 | $ 139,000 |
| Bethesda-Frederick-Gaithersburg, MD | 7 | $ 2,025,000 | $ 289,285 | $ 144,000 |
| Boise City-Nampa, ID | 7 | $ 1,586,000 | $ 226,571 | $ 78,000 |
| Bradenton-Sarasota-Venice, FL | 7 | $ 1,447,000 | $ 206,714 | $ 180,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,383,000 | $ 197,571 | $ 143,000 |
| Chicago-Naperville-Joliet, IL | 7 | $ 1,648,000 | $ 235,428 | $ 124,000 |
| Raleigh-Cary, NC | 7 | $ 1,526,000 | $ 218,000 | $ 114,000 |
| Reno-Sparks, NV | 7 | $ 2,104,000 | $ 300,571 | $ 124,000 |
| Albuquerque, NM | 6 | $ 1,448,000 | $ 241,333 | $ 118,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 932,000 | $ 155,333 | $ 89,000 |
| Portland-Vancouver-Beaverton, OR-WA | 6 | $ 1,591,000 | $ 265,166 | $ 255,000 |
| San Francisco-San Mateo-Redwood City, CA | 6 | $ 3,514,000 | $ 585,666 | $ 227,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,084,000 | $ 180,666 | $ 125,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 1,164,000 | $ 232,800 | $ 149,000 |
| Columbus, OH | 5 | $ 843,000 | $ 168,600 | $ 59,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,377,000 | $ 275,400 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 1,106,000 | $ 221,200 | $ 97,000 |
| Spokane, WA | 5 | $ 1,160,000 | $ 232,000 | $ 79,000 |
| Fresno, CA | 4 | $ 756,000 | $ 189,000 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,028,000 | $ 257,000 | $ 79,000 |
| Peabody, MA | 4 | $ 1,119,000 | $ 279,750 | $ 102,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 4 | $ 1,116,000 | $ 279,000 | $ 133,000 |
| Santa Fe, NM | 4 | $ 1,068,000 | $ 267,000 | $ 157,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,180,000 | $ 295,000 | $ 81,000 |
| Savannah, GA | 4 | $ 819,000 | $ 204,750 | $ 193,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,106,000 | $ 276,500 | $ 60,000 |
| Bakersfield, CA | 3 | $ 771,000 | $ 257,000 | $ 125,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 802,000 | $ 267,333 | $ 187,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 759,000 | $ 253,000 | $ 120,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 496,000 | $ 165,333 | $ 145,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 696,000 | $ 232,000 | $ 77,000 |
| Lakeland-Winter Haven, FL | 3 | $ 667,000 | $ 222,333 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 485,000 | $ 161,666 | $ 58,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 585,000 | $ 195,000 | $ 62,000 |
| Rochester, NY | 3 | $ 580,000 | $ 193,333 | $ 143,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 942,000 | $ 314,000 | $ 64,000 |
| Worcester, MA | 3 | $ 704,000 | $ 234,666 | $ 107,000 |
| Billings, MT | 2 | $ 630,000 | $ 315,000 | $ 100,000 |
| Casper, WY | 2 | $ 358,000 | $ 179,000 | $ 117,000 |
| Charlottesville, VA | 2 | $ 385,000 | $ 192,500 | $ 53,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 409,000 | $ 204,500 | $ 82,000 |
| Coeur D'Alene, ID | 2 | $ 440,000 | $ 220,000 | $ 61,000 |
| Fargo, ND-MN | 2 | $ 386,000 | $ 193,000 | $ 30,000 |
| Greensboro-High Point, NC | 2 | $ 188,000 | $ 94,000 | $ 79,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 580,000 | $ 290,000 | $ 108,000 |
| Kennewick-Pasco-Richland, WA | 2 | $ 300,000 | $ 150,000 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 396,000 | $ 198,000 | $ 78,000 |
| Madison, WI | 2 | $ 509,000 | $ 254,500 | $ 76,000 |
| Mansfield, OH | 2 | $ 392,000 | $ 196,000 | $ 90,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 398,000 | $ 199,000 | $ 171,000 |
| Naples-Marco Island, FL | 2 | $ 530,000 | $ 265,000 | $ 147,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 362,000 | $ 181,000 | $ 92,000 |
| Port St. Lucie, FL | 2 | $ 304,000 | $ 152,000 | $ 414,000 |
| Richmond, VA | 2 | $ 429,000 | $ 214,500 | $ 101,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 238,000 | $ 119,000 | $ 42,000 |
| Sebastian-Vero Beach, FL | 2 | $ 500,000 | $ 250,000 | $ 73,000 |
| Stockton, CA | 2 | $ 336,000 | $ 168,000 | $ 89,000 |
| Tacoma, WA | 2 | $ 480,000 | $ 240,000 | $ 84,000 |
| Trenton-Ewing, NJ | 2 | $ 518,000 | $ 259,000 | $ 64,000 |
| Tucson, AZ | 2 | $ 522,000 | $ 261,000 | $ 71,000 |
| Akron, OH | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Albany, GA | 1 | $ 90,000 | $ 90,000 | $ 42,000 |
| Amarillo, TX | 1 | $ 108,000 | $ 108,000 | $ 48,000 |
| Asheville, NC | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 375,000 | $ 375,000 | $ 137,000 |
| Barnstable Town, MA | 1 | $ 228,000 | $ 228,000 | $ 23,000 |
| Bellingham, WA | 1 | $ 240,000 | $ 240,000 | $ 109,000 |
| Binghamton, NY | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 10,000 | $ 10,000 | $ 107,000 |
| Boulder, CO | 1 | $ 280,000 | $ 280,000 | $ 76,000 |
| Burlington, NC | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| Colorado Springs, CO | 1 | $ 258,000 | $ 258,000 | $ 104,000 |
| Denver-Aurora, CO | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Durham, NC | 1 | $ 127,000 | $ 127,000 | $ 65,000 |
| Erie, PA | 1 | $ 104,000 | $ 104,000 | $ 65,000 |
| Eugene-Springfield, OR | 1 | $ 267,000 | $ 267,000 | $ 83,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 56,000 | $ 56,000 | $ 51,000 |
| Flagstaff, AZ | 1 | $ 96,000 | $ 96,000 | $ 91,000 |
| Florence-Muscle Shoals, AL | 1 | $ 100,000 | $ 100,000 | $ 66,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 304,000 | $ 304,000 | $ 102,000 |
| Gainesville, FL | 1 | $ 84,000 | $ 84,000 | $ 39,000 |
| Great Falls, MT | 1 | $ 160,000 | $ 160,000 | $ 136,000 |
| Greenville, NC | 1 | $ 77,000 | $ 77,000 | $ 135,000 |
| Harrisburg-Carlisle, PA | 1 | $ 183,000 | $ 183,000 | $ 75,000 |
| Idaho Falls, ID | 1 | $ 118,000 | $ 118,000 | $ 66,000 |
| Jacksonville, NC | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Las Cruces, NM | 1 | $ 211,000 | $ 211,000 | $ 86,000 |
| Lewiston, ID-WA | 1 | $ 166,000 | $ 166,000 | $ 90,000 |
| Longview, WA | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Lynchburg, VA | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Madera, CA | 1 | $ 243,000 | $ 243,000 | $ 35,000 |
| Missoula, MT | 1 | $ 200,000 | $ 200,000 | $ 125,000 |
| Modesto, CA | 1 | $ 80,000 | $ 80,000 | $ 61,000 |
| Norwich-New London, CT | 1 | $ 376,000 | $ 376,000 | $ 118,000 |
| Olympia, WA | 1 | $ 365,000 | $ 365,000 | $ 92,000 |
| Panama City-Lynn Haven, FL | 1 | $ 116,000 | $ 116,000 | $ 73,000 |
| Pittsburgh, PA | 1 | $ 352,000 | $ 352,000 | $ 123,000 |
| Pueblo, CO | 1 | $ 189,000 | $ 189,000 | $ 105,000 |
| Punta Gorda, FL | 1 | $ 182,000 | $ 182,000 | $ 50,000 |
| Reading, PA | 1 | $ 300,000 | $ 300,000 | $ 144,000 |
| Rocky Mount, NC | 1 | $ 235,000 | $ 235,000 | $ 123,000 |
| Salinas, CA | 1 | $ 156,000 | $ 156,000 | $ 85,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 321,000 | $ 321,000 | $ 60,000 |
| Shreveport-Bossier City, LA | 1 | $ 230,000 | $ 230,000 | $ 42,000 |
| Springfield, OH | 1 | $ 181,000 | $ 181,000 | $ 94,000 |
| Syracuse, NY | 1 | $ 315,000 | $ 315,000 | $ 57,000 |
| Wilmington, DE-MD-NJ | 1 | $ 400,000 | $ 400,000 | $ 65,000 |
| Yakima, WA | 1 | $ 238,000 | $ 238,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for American Enterprise Bank of Fl 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 | 802 | $211,199,000 | $263,000 | $1,120,000 | $107,000 | $1,019,000 |
| Home Purchase | 220 | $56,201,000 | $255,000 | $730,000 | $120,000 | $800,000 |
| Home Improvement | 5 | $1,569,000 | $313,000 | $1,446,000 | $115,000 | $400,000 |
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 | 530 | $128,555,000 | $242,000 | $1,446,000 | $111,000 | $1,000,000 |
| Not Provided | 288 | $80,642,000 | $280,000 | $1,000,000 | $98,000 | $840,000 |
| Asian | 117 | $36,569,000 | $312,000 | $720,000 | $133,000 | $720,000 |
| Hispanic | 45 | $11,133,000 | $247,000 | $460,000 | $100,000 | $310,000 |
| Black or African American | 35 | $8,975,000 | $256,000 | $638,000 | $118,000 | $1,019,000 |
| American Indian or Alaskan Native | 10 | $2,475,000 | $247,000 | $400,000 | $110,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $620,000 | $310,000 | $320,000 | $140,000 | $180,000 |
| 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) | 941 | $249,748,000 | $265,000 | $1,446,000 | $113,000 | $1,019,000 |
| FHA-insured (Federal Housing Administration) | 84 | $18,703,000 | $222,000 | $603,000 | $73,000 | $257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $200,000 | $200,000 | $200,000 | $42,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 1 | $318,000 | $318,000 | $318,000 | $100,000 | $100,000 |
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 | 612 | $167,628,000 | $273,000 | $750,000 | $118,000 | $1,019,000 |
| Application Denied By Financial Institution | 358 | $95,251,000 | $266,000 | $1,120,000 | $101,000 | $1,000,000 |
| Loan Originated | 54 | $5,159,000 | $95,000 | $1,446,000 | $75,000 | $507,000 |
| Application Approved But Not Accepted | 3 | $931,000 | $310,000 | $417,000 | $75,000 | $100,000 |
| 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 | 125 | $31,320,000 | $250,000 | $600,000 | $116,000 | $1,000,000 |
| Credit History | 82 | $19,737,000 | $240,000 | $720,000 | $79,000 | $260,000 |
| Debt-To-Income Ratio | 62 | $19,123,000 | $308,000 | $1,120,000 | $81,000 | $300,000 |
| Other | 34 | $8,966,000 | $263,000 | $729,000 | $144,000 | $480,000 |
| Unverifiable Information | 22 | $7,082,000 | $321,000 | $1,108,000 | $131,000 | $412,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,319,000 | $276,000 | $376,000 | $96,000 | $237,000 |
| Credit Application Incomplete | 9 | $2,796,000 | $310,000 | $1,000,000 | $50,000 | $180,000 |
| Employment History | 4 | $953,000 | $238,000 | $398,000 | $48,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Enterprise Bank of Fl's 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 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.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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