American Express Bank, FSB Mortgage Lending & HMDA Data, 2005
In 2005, American Express Bank, FSB of Salt Lake City, UT reported 6,410 mortgage applications totaling $1.0 billion. The average application was for $159,933, and applicants reported an average income of $98,751. 67% of its applications resulted in an originated loan and 22% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (291), Phoenix-Mesa-Scottsdale, AZ (236) and Atlanta-Sandy Springs-Marietta, GA (210) (applications in parentheses).
| Mortgage Company & Address | American Express Bank, FSB 4315 South 2700 West Salt Lake City, UT 84184 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 6,410 |
| Total Mortgage Loan Application Amount | $1,025,176,000 |
| Average Mortgage Loan Application Amount | $159,933 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $98,751 |
| Highest Applicant Income | $3,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Express Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-Wayne-White Plains, NY-NJ | 291 | $ 55,401,000 | $ 190,381 | $ 104,000 |
| Phoenix-Mesa-Scottsdale, AZ | 236 | $ 40,754,000 | $ 172,686 | $ 95,000 |
| Atlanta-Sandy Springs-Marietta, GA | 210 | $ 25,310,000 | $ 120,523 | $ 92,000 |
| Chicago-Naperville-Joliet, IL | 201 | $ 31,905,000 | $ 158,731 | $ 85,000 |
| Philadelphia, PA | 155 | $ 24,495,000 | $ 158,032 | $ 105,000 |
| Edison, NJ | 152 | $ 31,132,000 | $ 204,815 | $ 113,000 |
| Nassau-Suffolk, NY | 149 | $ 27,331,000 | $ 183,429 | $ 120,000 |
| Newark-Union, NJ-PA | 111 | $ 23,870,000 | $ 215,045 | $ 113,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 107 | $ 16,402,000 | $ 153,289 | $ 116,000 |
| Miami-Miami Beach-Kendall, FL | 105 | $ 19,255,000 | $ 183,380 | $ 101,000 |
| Orlando, FL | 102 | $ 17,116,000 | $ 167,803 | $ 89,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 100 | $ 17,111,000 | $ 171,110 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 98 | $ 15,969,000 | $ 162,948 | $ 94,000 |
| Las Vegas-Paradise, NV | 89 | $ 15,947,000 | $ 179,179 | $ 93,000 |
| Baltimore-Towson, MD | 79 | $ 15,162,000 | $ 191,924 | $ 101,000 |
| Los Angeles-Long Beach-Glendale, CA | 70 | $ 16,683,000 | $ 238,328 | $ 114,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 63 | $ 14,190,000 | $ 225,238 | $ 101,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 62 | $ 9,633,000 | $ 155,370 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 61 | $ 13,192,000 | $ 216,262 | $ 100,000 |
| Seattle-Bellevue-Everett, WA | 57 | $ 8,341,000 | $ 146,333 | $ 84,000 |
| Bethesda-Frederick-Gaithersburg, MD | 53 | $ 13,478,000 | $ 254,301 | $ 119,000 |
| Houston-Baytown-Sugar Land, TX | 53 | $ 8,640,000 | $ 163,018 | $ 138,000 |
| Bridgeport-Stamford-Norwalk, CT | 51 | $ 12,422,000 | $ 243,568 | $ 157,000 |
| Denver-Aurora, CO | 51 | $ 7,096,000 | $ 139,137 | $ 95,000 |
| Portland-Vancouver-Beaverton, OR-WA | 50 | $ 7,490,000 | $ 149,800 | $ 84,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 48 | $ 9,365,000 | $ 195,104 | $ 108,000 |
| Boston-Quincy, MA | 44 | $ 10,658,000 | $ 242,227 | $ 156,000 |
| Camden, NJ | 43 | $ 5,668,000 | $ 131,813 | $ 107,000 |
| Salt Lake City, UT | 40 | $ 5,649,000 | $ 141,225 | $ 106,000 |
| St. Louis, MO-IL | 40 | $ 5,372,000 | $ 134,300 | $ 99,000 |
| Hartford-West Hartford-East Hartford, CT | 39 | $ 5,416,000 | $ 138,871 | $ 84,000 |
| Jacksonville, FL | 37 | $ 5,254,000 | $ 142,000 | $ 69,000 |
| Nashville-Davidson--Murfreesboro, TN | 36 | $ 4,951,000 | $ 137,527 | $ 81,000 |
| Charlotte-Gastonia-Concord, NC-SC | 34 | $ 5,442,000 | $ 160,058 | $ 93,000 |
| Honolulu, HI | 34 | $ 6,228,000 | $ 183,176 | $ 116,000 |
| Richmond, VA | 34 | $ 6,739,000 | $ 198,205 | $ 113,000 |
| Warren-Farmington Hills-Troy, MI | 33 | $ 6,018,000 | $ 182,363 | $ 96,000 |
| Albuquerque, NM | 31 | $ 3,045,000 | $ 98,225 | $ 76,000 |
| Columbus, OH | 31 | $ 4,131,000 | $ 133,258 | $ 119,000 |
| Memphis, TN-MS-AR | 31 | $ 2,644,000 | $ 85,290 | $ 100,000 |
| Tucson, AZ | 31 | $ 5,517,000 | $ 177,967 | $ 104,000 |
| Birmingham-Hoover, AL | 30 | $ 2,961,000 | $ 98,700 | $ 68,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 30 | $ 6,861,000 | $ 228,700 | $ 106,000 |
| Dallas-Plano-Irving, TX | 29 | $ 3,755,000 | $ 129,482 | $ 113,000 |
| Detroit-Livonia-Dearborn, MI | 29 | $ 3,421,000 | $ 117,965 | $ 87,000 |
| Indianapolis, IN | 29 | $ 3,726,000 | $ 128,482 | $ 112,000 |
| Pittsburgh, PA | 29 | $ 2,376,000 | $ 81,931 | $ 98,000 |
| Wilmington, DE-MD-NJ | 29 | $ 4,354,000 | $ 150,137 | $ 85,000 |
| Cambridge-Newton-Framingham, MA | 28 | $ 6,834,000 | $ 244,071 | $ 124,000 |
| Essex County, MA | 26 | $ 5,055,000 | $ 194,423 | $ 81,000 |
| Kansas City, MO-KS | 26 | $ 2,675,000 | $ 102,884 | $ 84,000 |
| Naples-Marco Island, FL | 26 | $ 6,223,000 | $ 239,346 | $ 116,000 |
| Raleigh-Cary, NC | 26 | $ 3,515,000 | $ 135,192 | $ 78,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 26 | $ 6,391,000 | $ 245,807 | $ 95,000 |
| Boise City-Nampa, ID | 25 | $ 2,615,000 | $ 104,600 | $ 88,000 |
| Palm Bay-Melbourne-Titusville, FL | 25 | $ 4,143,000 | $ 165,720 | $ 80,000 |
| Port St. Lucie-Fort Pierce, FL | 25 | $ 4,948,000 | $ 197,920 | $ 108,000 |
| Sarasota-Bradenton-Venice, FL | 25 | $ 5,178,000 | $ 207,120 | $ 122,000 |
| New Haven-Milford, CT | 24 | $ 4,411,000 | $ 183,791 | $ 80,000 |
| Austin-Round Rock, TX | 23 | $ 3,712,000 | $ 161,391 | $ 112,000 |
| Oklahoma City, OK | 23 | $ 1,359,000 | $ 59,086 | $ 85,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 4,165,000 | $ 189,318 | $ 84,000 |
| Worcester, MA | 22 | $ 2,956,000 | $ 134,363 | $ 80,000 |
| New Orleans-Metairie-Kenner, LA | 21 | $ 2,249,000 | $ 107,095 | $ 133,000 |
| Providence-New Bedford-Fall River, RI-MA | 21 | $ 3,825,000 | $ 182,142 | $ 126,000 |
| Tulsa, OK | 21 | $ 2,890,000 | $ 137,619 | $ 123,000 |
| Atlantic City, NJ | 20 | $ 3,744,000 | $ 187,200 | $ 87,000 |
| Greensboro-High Point, NC | 20 | $ 3,015,000 | $ 150,750 | $ 134,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 6,066,000 | $ 303,300 | $ 136,000 |
| Lakeland, FL | 19 | $ 3,014,000 | $ 158,631 | $ 85,000 |
| Buffalo-Niagara Falls, NY | 18 | $ 1,462,000 | $ 81,222 | $ 87,000 |
| Columbia, SC | 18 | $ 2,824,000 | $ 156,888 | $ 73,000 |
| Kingston, NY | 18 | $ 2,921,000 | $ 162,277 | $ 98,000 |
| San Diego-Carlsbad-San Marcos, CA | 18 | $ 3,607,000 | $ 200,388 | $ 74,000 |
| Cincinnati-Middletown, OH-KY-IN | 17 | $ 1,968,000 | $ 115,764 | $ 89,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 2,518,000 | $ 148,117 | $ 71,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 1,428,000 | $ 89,250 | $ 84,000 |
| Charleston-North Charleston, SC | 16 | $ 2,496,000 | $ 156,000 | $ 120,000 |
| Gary, IN | 16 | $ 1,624,000 | $ 101,500 | $ 77,000 |
| Little Rock-North Little Rock, AR | 16 | $ 987,000 | $ 61,687 | $ 75,000 |
| Cleveland-Elyria-Mentor, OH | 15 | $ 2,210,000 | $ 147,333 | $ 109,000 |
| Dayton, OH | 15 | $ 1,809,000 | $ 120,600 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 15 | $ 2,923,000 | $ 194,866 | $ 103,000 |
| Fort Worth-Arlington, TX | 15 | $ 1,280,000 | $ 85,333 | $ 105,000 |
| Lexington-Fayette, KY | 15 | $ 1,232,000 | $ 82,133 | $ 185,000 |
| Manchester-Nashua, NH | 15 | $ 1,958,000 | $ 130,533 | $ 110,000 |
| Springfield, MA | 15 | $ 1,633,000 | $ 108,866 | $ 89,000 |
| Baton Rouge, LA | 14 | $ 1,940,000 | $ 138,571 | $ 73,000 |
| Harrisburg-Carlisle, PA | 14 | $ 1,435,000 | $ 102,500 | $ 118,000 |
| Rochester, NY | 14 | $ 862,000 | $ 61,571 | $ 71,000 |
| Tacoma, WA | 14 | $ 1,719,000 | $ 122,785 | $ 81,000 |
| Akron, OH | 13 | $ 1,750,000 | $ 134,615 | $ 90,000 |
| Anchorage, AK | 13 | $ 1,820,000 | $ 140,000 | $ 92,000 |
| Chattanooga, TN-GA | 13 | $ 1,560,000 | $ 120,000 | $ 77,000 |
| Colorado Springs, CO | 13 | $ 2,302,000 | $ 177,076 | $ 117,000 |
| Greenville, SC | 13 | $ 1,521,000 | $ 117,000 | $ 86,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 2,107,000 | $ 162,076 | $ 146,000 |
| Portland-South Portland-Biddeford, ME | 13 | $ 2,068,000 | $ 159,076 | $ 75,000 |
| Reno-Sparks, NV | 13 | $ 2,766,000 | $ 212,769 | $ 104,000 |
| Syracuse, NY | 13 | $ 1,259,000 | $ 96,846 | $ 81,000 |
| Asheville, NC | 12 | $ 1,475,000 | $ 122,916 | $ 59,000 |
| Durham, NC | 12 | $ 2,152,000 | $ 179,333 | $ 98,000 |
| Oakland-Fremont-Hayward, CA | 12 | $ 3,192,000 | $ 266,000 | $ 111,000 |
| San Antonio, TX | 12 | $ 2,525,000 | $ 210,416 | $ 165,000 |
| Trenton-Ewing, NJ | 12 | $ 2,049,000 | $ 170,750 | $ 80,000 |
| York-Hanover, PA | 12 | $ 1,098,000 | $ 91,500 | $ 61,000 |
| Louisville, KY-IN | 11 | $ 1,030,000 | $ 93,636 | $ 78,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 11 | $ 1,556,000 | $ 141,454 | $ 76,000 |
| Ogden-Clearfield, UT | 11 | $ 859,000 | $ 78,090 | $ 87,000 |
| Pensacola-Ferry Pass-Brent, FL | 11 | $ 1,073,000 | $ 97,545 | $ 80,000 |
| Rockingham County-Strafford County, NH | 11 | $ 1,967,000 | $ 178,818 | $ 132,000 |
| San Francisco-San Mateo-Redwood City, CA | 11 | $ 2,694,000 | $ 244,909 | $ 106,000 |
| Toledo, OH | 11 | $ 1,139,000 | $ 103,545 | $ 99,000 |
| Winston-Salem, NC | 11 | $ 1,633,000 | $ 148,454 | $ 73,000 |
| Lafayette, LA | 10 | $ 1,220,000 | $ 122,000 | $ 66,000 |
| Olympia, WA | 10 | $ 1,314,000 | $ 131,400 | $ 126,000 |
| Omaha-Council Bluffs, NE-IA | 10 | $ 1,073,000 | $ 107,300 | $ 74,000 |
| Savannah, GA | 10 | $ 2,177,000 | $ 217,700 | $ 141,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 835,000 | $ 83,500 | $ 52,000 |
| Spokane, WA | 10 | $ 980,000 | $ 98,000 | $ 70,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,228,000 | $ 136,444 | $ 87,000 |
| Boulder, CO | 9 | $ 2,414,000 | $ 268,222 | $ 140,000 |
| Gainesville, FL | 9 | $ 1,068,000 | $ 118,666 | $ 83,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 1,442,000 | $ 160,222 | $ 76,000 |
| McAllen-Edinburg-Pharr, TX | 9 | $ 662,000 | $ 73,555 | $ 80,000 |
| Rochester, MN | 9 | $ 1,103,000 | $ 122,555 | $ 97,000 |
| Tuscaloosa, AL | 9 | $ 1,043,000 | $ 115,888 | $ 93,000 |
| Wilmington, NC | 9 | $ 1,036,000 | $ 115,111 | $ 126,000 |
| Ann Arbor, MI | 8 | $ 1,047,000 | $ 130,875 | $ 94,000 |
| Des Moines, IA | 8 | $ 863,000 | $ 107,875 | $ 100,000 |
| Dover, DE | 8 | $ 1,151,000 | $ 143,875 | $ 74,000 |
| Huntsville, AL | 8 | $ 1,256,000 | $ 157,000 | $ 89,000 |
| Madison, WI | 8 | $ 1,244,000 | $ 155,500 | $ 63,000 |
| Roanoke, VA | 8 | $ 731,000 | $ 91,375 | $ 61,000 |
| Salem, OR | 8 | $ 826,000 | $ 103,250 | $ 115,000 |
| Santa Fe, NM | 8 | $ 1,734,000 | $ 216,750 | $ 86,000 |
| Barnstable Town, MA | 7 | $ 1,472,000 | $ 210,285 | $ 95,000 |
| El Paso, TX | 7 | $ 1,084,000 | $ 154,857 | $ 70,000 |
| Macon, GA | 7 | $ 743,000 | $ 106,142 | $ 89,000 |
| Prescott, AZ | 7 | $ 1,495,000 | $ 213,571 | $ 76,000 |
| Punta Gorda, FL | 7 | $ 1,334,000 | $ 190,571 | $ 124,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 1,372,000 | $ 196,000 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 605,000 | $ 100,833 | $ 79,000 |
| Bend, OR | 6 | $ 815,000 | $ 135,833 | $ 62,000 |
| Gulfport-Biloxi, MS | 6 | $ 733,000 | $ 122,166 | $ 168,000 |
| Jackson, MS | 6 | $ 693,000 | $ 115,500 | $ 63,000 |
| Kalamazoo-Portage, MI | 6 | $ 665,000 | $ 110,833 | $ 57,000 |
| Lancaster, PA | 6 | $ 679,000 | $ 113,166 | $ 95,000 |
| Las Cruces, NM | 6 | $ 812,000 | $ 135,333 | $ 83,000 |
| Lincoln, NE | 6 | $ 222,000 | $ 37,000 | $ 65,000 |
| Norwich-New London, CT | 6 | $ 1,126,000 | $ 187,666 | $ 83,000 |
| Panama City-Lynn Haven, FL | 6 | $ 523,000 | $ 87,166 | $ 132,000 |
| Scranton--Wilkes-Barre, PA | 6 | $ 614,000 | $ 102,333 | $ 90,000 |
| Stockton, CA | 6 | $ 1,281,000 | $ 213,500 | $ 92,000 |
| Vero Beach, FL | 6 | $ 1,491,000 | $ 248,500 | $ 159,000 |
| Bakersfield, CA | 5 | $ 700,000 | $ 140,000 | $ 64,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 522,000 | $ 104,400 | $ 61,000 |
| Bremerton-Silverdale, WA | 5 | $ 434,000 | $ 86,800 | $ 64,000 |
| Coeur D'Alene, ID | 5 | $ 440,000 | $ 88,000 | $ 70,000 |
| Erie, PA | 5 | $ 275,000 | $ 55,000 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 367,000 | $ 73,400 | $ 89,000 |
| Fort Wayne, IN | 5 | $ 217,000 | $ 43,400 | $ 70,000 |
| Provo-Orem, UT | 5 | $ 317,000 | $ 63,400 | $ 72,000 |
| Rockford, IL | 5 | $ 493,000 | $ 98,600 | $ 74,000 |
| Shreveport-Bossier City, LA | 5 | $ 423,000 | $ 84,600 | $ 79,000 |
| Springfield, MO | 5 | $ 331,000 | $ 66,200 | $ 103,000 |
| Tallahassee, FL | 5 | $ 777,000 | $ 155,400 | $ 113,000 |
| Wichita, KS | 5 | $ 435,000 | $ 87,000 | $ 95,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 367,000 | $ 73,400 | $ 73,000 |
| Athens-Clarke County, GA | 4 | $ 193,000 | $ 48,250 | $ 43,000 |
| Brunswick, GA | 4 | $ 499,000 | $ 124,750 | $ 252,000 |
| Burlington, NC | 4 | $ 411,000 | $ 102,750 | $ 63,000 |
| Flagstaff, AZ | 4 | $ 820,000 | $ 205,000 | $ 122,000 |
| Fort Smith, AR-OK | 4 | $ 664,000 | $ 166,000 | $ 76,000 |
| Fresno, CA | 4 | $ 595,000 | $ 148,750 | $ 72,000 |
| Greeley, CO | 4 | $ 418,000 | $ 104,500 | $ 85,000 |
| Jacksonville, NC | 4 | $ 490,000 | $ 122,500 | $ 118,000 |
| Knoxville, TN | 4 | $ 472,000 | $ 118,000 | $ 51,000 |
| Lubbock, TX | 4 | $ 382,000 | $ 95,500 | $ 95,000 |
| Mobile, AL | 4 | $ 450,000 | $ 112,500 | $ 63,000 |
| Modesto, CA | 4 | $ 768,000 | $ 192,000 | $ 62,000 |
| Monroe, LA | 4 | $ 331,000 | $ 82,750 | $ 62,000 |
| Ocala, FL | 4 | $ 1,366,000 | $ 341,500 | $ 811,000 |
| Peoria, IL | 4 | $ 171,000 | $ 42,750 | $ 66,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 452,000 | $ 113,000 | $ 136,000 |
| St. George, UT | 4 | $ 459,000 | $ 114,750 | $ 59,000 |
| Visalia-Porterville, CA | 4 | $ 465,000 | $ 116,250 | $ 58,000 |
| Waterloo-Cedar Falls, IA | 4 | $ 165,000 | $ 41,250 | $ 62,000 |
| Anderson, SC | 3 | $ 200,000 | $ 66,666 | $ 101,000 |
| Anniston-Oxford, AL | 3 | $ 133,000 | $ 44,333 | $ 40,000 |
| Bellingham, WA | 3 | $ 183,000 | $ 61,000 | $ 138,000 |
| Binghamton, NY | 3 | $ 185,000 | $ 61,666 | $ 67,000 |
| Bloomington, IN | 3 | $ 273,000 | $ 91,000 | $ 247,000 |
| Canton-Massillon, OH | 3 | $ 196,000 | $ 65,333 | $ 68,000 |
| Cheyenne, WY | 3 | $ 76,000 | $ 25,333 | $ 74,000 |
| Columbia, MO | 3 | $ 335,000 | $ 111,666 | $ 92,000 |
| Columbus, GA-AL | 3 | $ 327,000 | $ 109,000 | $ 98,000 |
| Corvallis, OR | 3 | $ 158,000 | $ 52,666 | $ 72,000 |
| Elkhart-Goshen, IN | 3 | $ 233,000 | $ 77,666 | $ 52,000 |
| Eugene-Springfield, OR | 3 | $ 147,000 | $ 49,000 | $ 244,000 |
| Fayetteville, NC | 3 | $ 127,000 | $ 42,333 | $ 98,000 |
| Fort Walton Beach-Crestview-Destin, FL | 3 | $ 675,000 | $ 225,000 | $ 70,000 |
| Great Falls, MT | 3 | $ 124,000 | $ 41,333 | $ 74,000 |
| Holland-Grand Haven, MI | 3 | $ 371,000 | $ 123,666 | $ 118,000 |
| Jackson, MI | 3 | $ 121,000 | $ 40,333 | $ 86,000 |
| Logan, UT-ID | 3 | $ 566,000 | $ 188,666 | $ 87,000 |
| Michigan City-La Porte, IN | 3 | $ 314,000 | $ 104,666 | $ 75,000 |
| Monroe, MI | 3 | $ 469,000 | $ 156,333 | $ 62,000 |
| Morgantown, WV | 3 | $ 162,000 | $ 54,000 | $ 69,000 |
| Napa, CA | 3 | $ 587,000 | $ 195,666 | $ 85,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 831,000 | $ 277,000 | $ 110,000 |
| Parkersburg-Marietta, WV-OH | 3 | $ 261,000 | $ 87,000 | $ 64,000 |
| Pascagoula, MS | 3 | $ 262,000 | $ 87,333 | $ 28,000 |
| Sandusky, OH | 3 | $ 342,000 | $ 114,000 | $ 86,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 3 | $ 842,000 | $ 280,666 | $ 116,000 |
| Spartanburg, SC | 3 | $ 213,000 | $ 71,000 | $ 69,000 |
| Sumter, SC | 3 | $ 402,000 | $ 134,000 | $ 97,000 |
| Topeka, KS | 3 | $ 390,000 | $ 130,000 | $ 73,000 |
| Utica-Rome, NY | 3 | $ 108,000 | $ 36,000 | $ 143,000 |
| Warner Robins, GA | 3 | $ 125,000 | $ 41,666 | $ 57,000 |
| Albany, GA | 2 | $ 282,000 | $ 141,000 | $ 100,000 |
| Appleton, WI | 2 | $ 155,000 | $ 77,500 | $ 73,000 |
| Auburn-Opelika, AL | 2 | $ 431,000 | $ 215,500 | $ 94,000 |
| Battle Creek, MI | 2 | $ 132,000 | $ 66,000 | $ 55,000 |
| Billings, MT | 2 | $ 185,000 | $ 92,500 | $ 86,000 |
| Bloomington-Normal, IL | 2 | $ 120,000 | $ 60,000 | $ 79,000 |
| Brownsville-Harlingen, TX | 2 | $ 117,000 | $ 58,500 | $ 36,000 |
| Charleston, WV | 2 | $ 69,000 | $ 34,500 | $ 121,000 |
| Clarksville, TN-KY | 2 | $ 275,000 | $ 137,500 | $ 93,000 |
| College Station-Bryan, TX | 2 | $ 239,000 | $ 119,500 | $ 71,000 |
| Corpus Christi, TX | 2 | $ 206,000 | $ 103,000 | $ 112,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 173,000 | $ 86,500 | $ 30,000 |
| Dothan, AL | 2 | $ 403,000 | $ 201,500 | $ 82,000 |
| Elmira, NY | 2 | $ 53,000 | $ 26,500 | $ 50,000 |
| Fairbanks, AK | 2 | $ 71,000 | $ 35,500 | $ 129,000 |
| Flint, MI | 2 | $ 92,000 | $ 46,000 | $ 72,000 |
| Florence-Muscle Shoals, AL | 2 | $ 326,000 | $ 163,000 | $ 115,000 |
| Gainesville, GA | 2 | $ 563,000 | $ 281,500 | $ 278,000 |
| Glens Falls, NY | 2 | $ 199,000 | $ 99,500 | $ 55,000 |
| Greenville, NC | 2 | $ 512,000 | $ 256,000 | $ 100,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 70,000 | $ 35,000 | $ 74,000 |
| Johnson City, TN | 2 | $ 237,000 | $ 118,500 | $ 84,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 280,000 | $ 140,000 | $ 79,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 153,000 | $ 76,500 | $ 46,000 |
| Kokomo, IN | 2 | $ 39,000 | $ 19,500 | $ 36,000 |
| Lansing-East Lansing, MI | 2 | $ 224,000 | $ 112,000 | $ 97,000 |
| Lebanon, PA | 2 | $ 115,000 | $ 57,500 | $ 54,000 |
| Lewiston-Auburn, ME | 2 | $ 149,000 | $ 74,500 | $ 74,000 |
| Longview, WA | 2 | $ 627,000 | $ 313,500 | $ 113,000 |
| Lynchburg, VA | 2 | $ 129,000 | $ 64,500 | $ 42,000 |
| Medford, OR | 2 | $ 113,000 | $ 56,500 | $ 19,000 |
| Montgomery, AL | 2 | $ 248,000 | $ 124,000 | $ 51,000 |
| Morristown, TN | 2 | $ 533,000 | $ 266,500 | $ 55,000 |
| Muskegon-Norton Shores, MI | 2 | $ 105,000 | $ 52,500 | $ 72,000 |
| Ocean City, NJ | 2 | $ 215,000 | $ 107,500 | $ 112,000 |
| Pocatello, ID | 2 | $ 53,000 | $ 26,500 | $ 116,000 |
| Pueblo, CO | 2 | $ 60,000 | $ 30,000 | $ 50,000 |
| Racine, WI | 2 | $ 298,000 | $ 149,000 | $ 107,000 |
| Reading, PA | 2 | $ 182,000 | $ 91,000 | $ 88,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,070,000 | $ 535,000 | $ 180,000 |
| Sioux City, IA-NE-SD | 2 | $ 222,000 | $ 111,000 | $ 79,000 |
| Sioux Falls, SD | 2 | $ 42,000 | $ 21,000 | $ 79,000 |
| Springfield, OH | 2 | $ 80,000 | $ 40,000 | $ 82,000 |
| St. Cloud, MN | 2 | $ 150,000 | $ 75,000 | $ 91,000 |
| Vallejo-Fairfield, CA | 2 | $ 894,000 | $ 447,000 | $ 126,000 |
| Victoria, TX | 2 | $ 189,000 | $ 94,500 | $ 52,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 271,000 | $ 135,500 | $ 74,000 |
| Wausau, WI | 2 | $ 63,000 | $ 31,500 | $ 160,000 |
| Wenatchee, WA | 2 | $ 134,000 | $ 67,000 | $ 49,000 |
| Yakima, WA | 2 | $ 52,000 | $ 26,000 | $ 54,000 |
| Yuba City, CA | 2 | $ 231,000 | $ 115,500 | $ 87,000 |
| Alexandria, LA | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Altoona, PA | 1 | $ 69,000 | $ 69,000 | $ 29,000 |
| Amarillo, TX | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Anderson, IN | 1 | $ 34,000 | $ 34,000 | $ 124,000 |
| Bangor, ME | 1 | $ 221,000 | $ 221,000 | $ 146,000 |
| Bay City, MI | 1 | $ 48,000 | $ 48,000 | $ 38,000 |
| Bismarck, ND | 1 | $ 20,000 | $ 20,000 | $ 107,000 |
| Bowling Green, KY | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Burlington-South Burlington, VT | 1 | $ 169,000 | $ 169,000 | $ 66,000 |
| Carson City, NV | 1 | $ 286,000 | $ 286,000 | $ 93,000 |
| Cedar Rapids, IA | 1 | $ 74,000 | $ 74,000 | $ 30,000 |
| Champaign-Urbana, IL | 1 | $ 71,000 | $ 71,000 | $ 227,000 |
| Charlottesville, VA | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Chico, CA | 1 | $ 189,000 | $ 189,000 | $ 68,000 |
| Columbus, IN | 1 | $ 168,000 | $ 168,000 | $ 105,000 |
| Cumberland, MD-WV | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Dalton, GA | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Duluth, MN-WI | 1 | $ 67,000 | $ 67,000 | $ 180,000 |
| Elizabethtown, KY | 1 | $ 53,000 | $ 53,000 | $ 152,000 |
| Evansville, IN-KY | 1 | $ 79,000 | $ 79,000 | $ 130,000 |
| Fargo, ND-MN | 1 | $ 226,000 | $ 226,000 | $ 62,000 |
| Florence, SC | 1 | $ 148,000 | $ 148,000 | $ 43,000 |
| Green Bay, WI | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 205,000 | $ 205,000 | $ 37,000 |
| Harrisonburg, VA | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 34,000 | $ 34,000 | $ 24,000 |
| Ithaca, NY | 1 | $ 136,000 | $ 136,000 | $ 81,000 |
| Jefferson City, MO | 1 | $ 74,000 | $ 74,000 | $ 76,000 |
| Jonesboro, AR | 1 | $ 24,000 | $ 24,000 | $ 60,000 |
| Kankakee-Bradley, IL | 1 | $ 104,000 | $ 104,000 | $ 74,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 87,000 | $ 87,000 | $ 104,000 |
| Laredo, TX | 1 | $ 159,000 | $ 159,000 | $ 128,000 |
| Lawton, OK | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Lima, OH | 1 | $ 13,000 | $ 13,000 | $ 63,000 |
| Longview, TX | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Madera, CA | 1 | $ 168,000 | $ 168,000 | $ 45,000 |
| Merced, CA | 1 | $ 126,000 | $ 126,000 | $ 82,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 63,000 | $ 63,000 | $ 81,000 |
| Niles-Benton Harbor, MI | 1 | $ 63,000 | $ 63,000 | $ 152,000 |
| Oshkosh-Neenah, WI | 1 | $ 70,000 | $ 70,000 | $ 120,000 |
| Pine Bluff, AR | 1 | $ 24,000 | $ 24,000 | $ 80,000 |
| Pittsfield, MA | 1 | $ 160,000 | $ 160,000 | $ 61,000 |
| Redding, CA | 1 | $ 200,000 | $ 200,000 | $ 50,000 |
| Rocky Mount, NC | 1 | $ 44,000 | $ 44,000 | $ 43,000 |
| Salinas, CA | 1 | $ 100,000 | $ 100,000 | $ 106,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Sherman-Denison, TX | 1 | $ 140,000 | $ 140,000 | $ 135,000 |
| State College, PA | 1 | $ 168,000 | $ 168,000 | $ 79,000 |
| Terre Haute, IN | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Valdosta, GA | 1 | $ 36,000 | $ 36,000 | $ 52,000 |
| Wheeling, WV-OH | 1 | $ 40,000 | $ 40,000 | $ 90,000 |
| Williamsport, PA | 1 | $ 183,000 | $ 183,000 | $ 110,000 |
| Winchester, VA-WV | 1 | $ 120,000 | $ 120,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for American Express Bank, FSB in 2005
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 | 3,809 | $662,015,000 | $146,653 | $1,227,000 | $89,423 | $3,000,000 |
| Home Improvement | 1,404 | $95,196,000 | $62,620 | $597,000 | $91,080 | $900,000 |
| Home Purchase | 1,197 | $267,965,000 | $208,680 | $1,600,000 | $115,900 | $1,696,000 |
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 | 3,980 | $654,434,000 | $147,750 | $1,600,000 | $95,519 | $3,000,000 |
| Not Provided | 1,093 | $157,503,000 | $119,857 | $770,000 | $94,346 | $811,000 |
| Black or African American | 553 | $81,341,000 | $140,179 | $1,000,000 | $88,282 | $556,000 |
| Hispanic | 443 | $69,675,000 | $136,081 | $1,100,000 | $97,675 | $1,100,000 |
| Asian | 269 | $49,869,000 | $145,378 | $1,227,000 | $108,648 | $495,000 |
| American Indian or Alaskan Native | 45 | $7,926,000 | $158,960 | $601,000 | $104,120 | $827,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $4,428,000 | $182,750 | $564,000 | $88,833 | $156,000 |
| 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) | 6,410 | $1,025,176,000 | $139,307 | $1,600,000 | $94,346 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 4,314 | $652,710,000 | $133,673 | $1,200,000 | $96,980 | $1,466,000 |
| Application Denied By Financial Institution | 1,381 | $237,605,000 | $147,600 | $1,227,000 | $81,340 | $1,332,000 |
| Application Withdrawn By Applicant | 406 | $77,338,000 | $159,108 | $1,600,000 | $108,826 | $3,000,000 |
| Application Approved But Not Accepted | 168 | $33,048,000 | $186,666 | $650,000 | $107,051 | $1,008,000 |
| File Closed For Incompleteness | 72 | $14,868,000 | $172,285 | $770,000 | $81,250 | $725,000 |
| Loan Purchased By The Institution | 69 | $9,607,000 | $136,166 | $328,000 | $40,666 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 458 | $81,199,000 | $147,777 | $878,000 | $57,022 | $367,000 |
| Credit History | 423 | $45,145,000 | $97,940 | $1,227,000 | $76,760 | $712,000 |
| Collateral | 295 | $61,765,000 | $195,354 | $1,000,000 | $102,375 | $1,332,000 |
| Credit Application Incomplete | 76 | $20,513,000 | $224,960 | $700,000 | $107,920 | $450,000 |
| Other | 61 | $13,670,000 | $221,428 | $572,000 | $102,619 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 42 | $10,673,000 | $239,956 | $599,000 | $82,782 | $433,000 |
| Unverifiable Information | 15 | $2,377,000 | $160,428 | $411,000 | $89,071 | $150,000 |
| Employment History | 10 | $2,103,000 | $208,375 | $460,000 | $86,000 | $300,000 |
| Mortgage Insurance Denied | 1 | $160,000 | $160,000 | $160,000 | $49,000 | $49,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Express Bank, FSB's 2005 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 Express Bank, FSB'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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with aggregated HMDA statistics today.
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