American Express Bank, FSB Mortgage Lending & HMDA Data, 2006
In 2006, American Express Bank, FSB of Salt Lake City, UT reported 2,782 mortgage applications totaling $427.2 million, down 57% from 2005. The average application was for $153,540, and applicants reported an average income of $111,541. 73% of its applications resulted in an originated loan and 17% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (142), Phoenix-Mesa-Scottsdale, AZ (99) and Atlanta-Sandy Springs-Marietta, GA (85) (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 | 2,782 |
| Total Mortgage Loan Application Amount | $427,150,000 |
| Average Mortgage Loan Application Amount | $153,540 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $111,541 |
| Highest Applicant Income | $2,808,000 |
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records American Express Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-White Plains-Wayne, NY-NJ | 142 | $ 27,845,000 | $ 196,091 | $ 121,211 |
| Phoenix-Mesa-Scottsdale, AZ | 99 | $ 18,715,000 | $ 189,040 | $ 103,000 |
| Atlanta-Sandy Springs-Marietta, GA | 85 | $ 10,503,000 | $ 123,564 | $ 97,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 83 | $ 18,035,000 | $ 217,289 | $ 119,469 |
| Chicago-Naperville-Joliet, IL | 77 | $ 9,775,000 | $ 126,948 | $ 95,000 |
| Nassau-Suffolk, NY | 75 | $ 15,278,000 | $ 203,706 | $ 130,000 |
| Los Angeles-Long Beach-Glendale, CA | 71 | $ 16,225,000 | $ 228,521 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 55 | $ 8,057,000 | $ 146,490 | $ 119,000 |
| Philadelphia, PA | 49 | $ 7,573,000 | $ 154,551 | $ 112,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 48 | $ 7,563,000 | $ 157,562 | $ 110,000 |
| Edison, NJ | 47 | $ 8,942,000 | $ 190,255 | $ 100,000 |
| Newark-Union, NJ-PA | 44 | $ 9,459,000 | $ 214,977 | $ 113,068 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 43 | $ 6,427,000 | $ 149,465 | $ 125,186 |
| Riverside-San Bernardino-Ontario, CA | 43 | $ 7,536,000 | $ 175,255 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 42 | $ 6,592,000 | $ 156,952 | $ 102,000 |
| Orlando-Kissimmee, FL | 39 | $ 6,745,000 | $ 172,948 | $ 96,000 |
| Las Vegas-Paradise, NV | 36 | $ 5,168,000 | $ 143,555 | $ 93,000 |
| Camden, NJ | 35 | $ 4,984,000 | $ 142,400 | $ 102,000 |
| Baltimore-Towson, MD | 31 | $ 4,051,000 | $ 130,677 | $ 107,000 |
| Seattle-Bellevue-Everett, WA | 29 | $ 5,953,000 | $ 205,275 | $ 100,000 |
| Jacksonville, FL | 28 | $ 5,641,000 | $ 201,464 | $ 131,000 |
| Houston-Sugar Land-Baytown, TX | 26 | $ 5,708,000 | $ 219,538 | $ 144,000 |
| Portland-Vancouver-Beaverton, OR-WA | 24 | $ 2,725,000 | $ 113,541 | $ 117,000 |
| Hartford-West Hartford-East Hartford, CT | 22 | $ 2,612,000 | $ 118,727 | $ 93,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 21 | $ 3,797,000 | $ 180,809 | $ 102,000 |
| St. Louis, MO-IL | 20 | $ 3,067,000 | $ 153,350 | $ 111,100 |
| Salt Lake City, UT | 19 | $ 1,635,000 | $ 86,052 | $ 64,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 19 | $ 3,352,000 | $ 176,421 | $ 94,105 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 1,180,000 | $ 62,105 | $ 95,000 |
| Boston-Quincy, MA | 18 | $ 2,894,000 | $ 160,777 | $ 118,000 |
| Bridgeport-Stamford-Norwalk, CT | 18 | $ 5,773,000 | $ 320,722 | $ 199,000 |
| Charlotte-Gastonia-Concord, NC-SC | 18 | $ 4,042,000 | $ 224,555 | $ 155,000 |
| Kansas City, MO-KS | 17 | $ 2,291,000 | $ 134,764 | $ 104,058 |
| Sacramento--Arden-Arcade--Roseville, CA | 17 | $ 2,231,000 | $ 131,235 | $ 95,000 |
| San Diego-Carlsbad-San Marcos, CA | 17 | $ 2,642,000 | $ 155,411 | $ 277,000 |
| Austin-Round Rock, TX | 16 | $ 2,640,000 | $ 165,000 | $ 237,000 |
| Cambridge-Newton-Framingham, MA | 16 | $ 2,098,000 | $ 131,125 | $ 103,000 |
| Memphis, TN-MS-AR | 16 | $ 1,143,000 | $ 71,437 | $ 78,500 |
| Tucson, AZ | 16 | $ 1,746,000 | $ 109,125 | $ 87,000 |
| Denver-Aurora, CO | 15 | $ 1,352,000 | $ 90,133 | $ 89,000 |
| Detroit-Livonia-Dearborn, MI | 14 | $ 1,203,000 | $ 85,928 | $ 94,000 |
| Greensboro-High Point, NC | 14 | $ 2,158,000 | $ 154,142 | $ 69,000 |
| Nashville-Davidson--Murfreesboro, TN | 14 | $ 2,727,000 | $ 194,785 | $ 121,000 |
| Pittsburgh, PA | 14 | $ 1,650,000 | $ 117,857 | $ 77,000 |
| Raleigh-Cary, NC | 14 | $ 1,288,000 | $ 92,000 | $ 211,000 |
| Cape Coral-Fort Myers, FL | 13 | $ 2,190,000 | $ 168,461 | $ 89,000 |
| Cleveland-Elyria-Mentor, OH | 13 | $ 1,057,000 | $ 81,307 | $ 86,000 |
| Honolulu, HI | 13 | $ 1,811,000 | $ 139,307 | $ 97,000 |
| Richmond, VA | 13 | $ 1,315,000 | $ 101,153 | $ 86,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 1,710,000 | $ 131,538 | $ 120,000 |
| Albuquerque, NM | 12 | $ 1,226,000 | $ 102,166 | $ 83,000 |
| Boise City-Nampa, ID | 12 | $ 1,466,000 | $ 122,166 | $ 64,000 |
| Cincinnati-Middletown, OH-KY-IN | 12 | $ 1,363,000 | $ 113,583 | $ 106,250 |
| Ogden-Clearfield, UT | 12 | $ 1,197,000 | $ 99,750 | $ 71,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 12 | $ 2,644,000 | $ 220,333 | $ 127,000 |
| Akron, OH | 11 | $ 923,000 | $ 83,909 | $ 95,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 1,250,000 | $ 113,636 | $ 116,545 |
| Bethesda-Gaithersburg-Frederick, MD | 11 | $ 4,974,000 | $ 452,181 | $ 225,000 |
| Gary, IN | 11 | $ 909,000 | $ 82,636 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 11 | $ 2,403,000 | $ 218,454 | $ 132,000 |
| Oklahoma City, OK | 11 | $ 1,108,000 | $ 100,727 | $ 84,000 |
| Providence-New Bedford-Fall River, RI-MA | 11 | $ 1,572,000 | $ 142,909 | $ 97,000 |
| Birmingham-Hoover, AL | 10 | $ 1,008,000 | $ 100,800 | $ 76,000 |
| Dallas-Plano-Irving, TX | 10 | $ 1,196,000 | $ 119,600 | $ 116,000 |
| Essex County, MA | 10 | $ 1,569,000 | $ 156,900 | $ 107,000 |
| Indianapolis-Carmel, IN | 10 | $ 1,504,000 | $ 150,400 | $ 116,000 |
| Wilmington, DE-MD-NJ | 10 | $ 1,691,000 | $ 169,100 | $ 88,400 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 813,000 | $ 90,333 | $ 140,777 |
| Columbus, OH | 9 | $ 1,165,000 | $ 129,444 | $ 135,000 |
| Wilmington, NC | 9 | $ 1,200,000 | $ 133,333 | $ 226,000 |
| Bend, OR | 8 | $ 1,334,000 | $ 166,750 | $ 78,000 |
| Columbia, SC | 8 | $ 429,000 | $ 53,625 | $ 78,000 |
| Corpus Christi, TX | 8 | $ 1,371,000 | $ 171,375 | $ 171,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 827,000 | $ 103,375 | $ 99,000 |
| Fort Worth-Arlington, TX | 8 | $ 1,270,000 | $ 158,750 | $ 177,000 |
| Norwich-New London, CT | 8 | $ 791,000 | $ 98,875 | $ 119,000 |
| San Francisco-San Mateo-Redwood City, CA | 8 | $ 6,648,000 | $ 831,000 | $ 313,000 |
| Anchorage, AK | 7 | $ 458,000 | $ 65,428 | $ 88,000 |
| Asheville, NC | 7 | $ 1,355,000 | $ 193,571 | $ 84,000 |
| Buffalo-Niagara Falls, NY | 7 | $ 481,000 | $ 68,714 | $ 213,000 |
| Dayton, OH | 7 | $ 445,000 | $ 63,571 | $ 121,000 |
| Jackson, MS | 7 | $ 1,020,000 | $ 145,714 | $ 159,000 |
| Lakeland, FL | 7 | $ 1,046,000 | $ 149,428 | $ 147,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 972,000 | $ 138,857 | $ 90,714 |
| Naples-Marco Island, FL | 7 | $ 1,796,000 | $ 256,571 | $ 101,000 |
| Trenton-Ewing, NJ | 7 | $ 628,000 | $ 89,714 | $ 97,000 |
| Durham, NC | 6 | $ 569,000 | $ 94,833 | $ 277,000 |
| Little Rock-North Little Rock, AR | 6 | $ 453,000 | $ 75,500 | $ 82,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 633,000 | $ 105,500 | $ 100,000 |
| Modesto, CA | 6 | $ 1,028,000 | $ 171,333 | $ 79,000 |
| New Haven-Milford, CT | 6 | $ 698,000 | $ 116,333 | $ 90,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 572,000 | $ 95,333 | $ 90,000 |
| Rockingham County-Strafford County, NH | 6 | $ 476,000 | $ 79,333 | $ 105,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 1,416,000 | $ 236,000 | $ 121,000 |
| Santa Rosa-Petaluma, CA | 6 | $ 867,000 | $ 144,500 | $ 121,000 |
| Syracuse, NY | 6 | $ 303,000 | $ 50,500 | $ 60,000 |
| Toledo, OH | 6 | $ 429,000 | $ 71,500 | $ 71,000 |
| Winston-Salem, NC | 6 | $ 525,000 | $ 87,500 | $ 85,000 |
| Ann Arbor, MI | 5 | $ 588,000 | $ 117,600 | $ 91,000 |
| Atlantic City, NJ | 5 | $ 606,000 | $ 121,200 | $ 61,000 |
| Baton Rouge, LA | 5 | $ 431,000 | $ 86,200 | $ 66,000 |
| Charleston-North Charleston, SC | 5 | $ 960,000 | $ 192,000 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 702,000 | $ 140,400 | $ 101,000 |
| Fresno, CA | 5 | $ 807,000 | $ 161,400 | $ 78,000 |
| Huntsville, AL | 5 | $ 417,000 | $ 83,400 | $ 97,000 |
| Knoxville, TN | 5 | $ 825,000 | $ 165,000 | $ 71,000 |
| Madison, WI | 5 | $ 392,000 | $ 78,400 | $ 59,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 513,000 | $ 102,600 | $ 123,000 |
| Mobile, AL | 5 | $ 633,000 | $ 126,600 | $ 76,000 |
| Port St. Lucie-Fort Pierce, FL | 5 | $ 1,129,000 | $ 225,800 | $ 110,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 809,000 | $ 161,800 | $ 101,000 |
| Rochester, NY | 5 | $ 348,000 | $ 69,600 | $ 88,000 |
| San Antonio, TX | 5 | $ 828,000 | $ 165,600 | $ 280,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 647,000 | $ 129,400 | $ 97,000 |
| Stockton, CA | 5 | $ 886,000 | $ 177,200 | $ 85,000 |
| Tallahassee, FL | 5 | $ 382,000 | $ 76,400 | $ 92,000 |
| Wichita, KS | 5 | $ 521,000 | $ 104,200 | $ 93,000 |
| Boulder, CO | 4 | $ 783,000 | $ 195,750 | $ 138,000 |
| Charlottesville, VA | 4 | $ 1,232,000 | $ 308,000 | $ 169,000 |
| Colorado Springs, CO | 4 | $ 219,000 | $ 54,750 | $ 69,000 |
| Des Moines-West Des Moines, IA | 4 | $ 577,000 | $ 144,250 | $ 85,000 |
| Harrisburg-Carlisle, PA | 4 | $ 258,000 | $ 64,500 | $ 62,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 157,000 | $ 39,250 | $ 64,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 878,000 | $ 219,500 | $ 143,000 |
| Manchester-Nashua, NH | 4 | $ 470,000 | $ 117,500 | $ 76,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 4 | $ 948,000 | $ 237,000 | $ 81,000 |
| Peoria, IL | 4 | $ 367,000 | $ 91,750 | $ 59,000 |
| Punta Gorda, FL | 4 | $ 1,188,000 | $ 297,000 | $ 96,000 |
| Reno-Sparks, NV | 4 | $ 298,000 | $ 74,500 | $ 186,000 |
| Salem, OR | 4 | $ 180,000 | $ 45,000 | $ 64,000 |
| Santa Fe, NM | 4 | $ 511,000 | $ 127,750 | $ 94,000 |
| Sebastian-Vero Beach, FL | 4 | $ 648,000 | $ 162,000 | $ 77,000 |
| Spokane, WA | 4 | $ 314,000 | $ 78,500 | $ 68,000 |
| Tacoma, WA | 4 | $ 416,000 | $ 104,000 | $ 69,000 |
| Topeka, KS | 4 | $ 125,000 | $ 31,250 | $ 73,000 |
| Tulsa, OK | 4 | $ 361,000 | $ 90,250 | $ 212,000 |
| Worcester, MA | 4 | $ 515,000 | $ 128,750 | $ 88,000 |
| York-Hanover, PA | 4 | $ 390,000 | $ 97,500 | $ 85,000 |
| Bakersfield, CA | 3 | $ 601,000 | $ 200,333 | $ 84,000 |
| Cedar Rapids, IA | 3 | $ 227,000 | $ 75,666 | $ 131,000 |
| Chattanooga, TN-GA | 3 | $ 225,000 | $ 75,000 | $ 47,000 |
| Dover, DE | 3 | $ 306,000 | $ 102,000 | $ 110,000 |
| Elkhart-Goshen, IN | 3 | $ 339,000 | $ 113,000 | $ 50,000 |
| Elmira, NY | 3 | $ 61,000 | $ 20,333 | $ 51,000 |
| Eugene-Springfield, OR | 3 | $ 173,000 | $ 57,666 | $ 41,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 641,000 | $ 213,666 | $ 150,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 242,000 | $ 80,666 | $ 30,000 |
| Kalamazoo-Portage, MI | 3 | $ 280,000 | $ 93,333 | $ 91,000 |
| Kingston, NY | 3 | $ 257,000 | $ 85,666 | $ 252,000 |
| Lancaster, PA | 3 | $ 528,000 | $ 176,000 | $ 97,000 |
| Las Cruces, NM | 3 | $ 464,000 | $ 154,666 | $ 84,000 |
| Lexington-Fayette, KY | 3 | $ 128,000 | $ 42,666 | $ 83,000 |
| Lynchburg, VA | 3 | $ 325,000 | $ 108,333 | $ 40,000 |
| Montgomery, AL | 3 | $ 417,000 | $ 139,000 | $ 132,000 |
| Ocala, FL | 3 | $ 441,000 | $ 147,000 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 210,000 | $ 70,000 | $ 79,000 |
| Rochester, MN | 3 | $ 204,000 | $ 68,000 | $ 52,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 273,000 | $ 91,000 | $ 83,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 391,000 | $ 130,333 | $ 106,000 |
| Springfield, MA | 3 | $ 344,000 | $ 114,666 | $ 148,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 92,000 | $ 30,666 | $ 32,000 |
| Abilene, TX | 2 | $ 364,000 | $ 182,000 | $ 107,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Barnstable Town, MA | 2 | $ 483,000 | $ 241,500 | $ 205,000 |
| Bellingham, WA | 2 | $ 512,000 | $ 256,000 | $ 100,000 |
| Billings, MT | 2 | $ 114,000 | $ 57,000 | $ 66,000 |
| Champaign-Urbana, IL | 2 | $ 94,000 | $ 47,000 | $ 35,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 87,000 | $ 43,500 | $ 65,000 |
| El Paso, TX | 2 | $ 120,000 | $ 60,000 | $ 85,000 |
| Evansville, IN-KY | 2 | $ 60,000 | $ 30,000 | $ 80,000 |
| Flint, MI | 2 | $ 59,000 | $ 29,500 | $ 53,000 |
| Fort Collins-Loveland, CO | 2 | $ 199,000 | $ 99,500 | $ 119,000 |
| Fort Smith, AR-OK | 2 | $ 112,000 | $ 56,000 | $ 49,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 430,000 | $ 215,000 | $ 99,000 |
| Fort Wayne, IN | 2 | $ 86,000 | $ 43,000 | $ 58,000 |
| Gainesville, FL | 2 | $ 177,000 | $ 88,500 | $ 118,000 |
| Glens Falls, NY | 2 | $ 334,000 | $ 167,000 | $ 85,000 |
| Green Bay, WI | 2 | $ 321,000 | $ 160,500 | $ 251,000 |
| Greenville, SC | 2 | $ 138,000 | $ 69,000 | $ 47,000 |
| Gulfport-Biloxi, MS | 2 | $ 115,000 | $ 57,500 | $ 132,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 26,000 | $ 13,000 | $ 74,000 |
| Harrisonburg, VA | 2 | $ 299,000 | $ 149,500 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 409,000 | $ 204,500 | $ 69,000 |
| Holland-Grand Haven, MI | 2 | $ 193,000 | $ 96,500 | $ 112,000 |
| Jacksonville, NC | 2 | $ 53,000 | $ 26,500 | $ 87,000 |
| Lebanon, PA | 2 | $ 145,000 | $ 72,500 | $ 60,000 |
| Lincoln, NE | 2 | $ 202,000 | $ 101,000 | $ 22,000 |
| Morgantown, WV | 2 | $ 100,000 | $ 50,000 | $ 46,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 177,000 | $ 88,500 | $ 127,000 |
| Ocean City, NJ | 2 | $ 313,000 | $ 156,500 | $ 74,000 |
| Olympia, WA | 2 | $ 385,000 | $ 192,500 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 189,000 | $ 94,500 | $ 210,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 82,000 | $ 41,000 | $ 55,000 |
| Rockford, IL | 2 | $ 515,000 | $ 257,500 | $ 89,000 |
| Salisbury, MD | 2 | $ 315,000 | $ 157,500 | $ 551,000 |
| Santa Barbara-Santa Maria, CA | 2 | $ 529,000 | $ 264,500 | $ 98,000 |
| Shreveport-Bossier City, LA | 2 | $ 210,000 | $ 105,000 | $ 101,000 |
| Sioux Falls, SD | 2 | $ 244,000 | $ 122,000 | $ 58,000 |
| Wenatchee, WA | 2 | $ 75,000 | $ 37,500 | $ 64,000 |
| Alexandria, LA | 1 | $ 42,000 | $ 42,000 | $ 103,000 |
| Anderson, IN | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Anderson, SC | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Athens-Clarke County, GA | 1 | $ 127,000 | $ 127,000 | $ 147,000 |
| Binghamton, NY | 1 | $ 12,000 | $ 12,000 | $ 50,000 |
| Bloomington, IN | 1 | $ 323,000 | $ 323,000 | $ 93,000 |
| Bowling Green, KY | 1 | $ 149,000 | $ 149,000 | $ 65,000 |
| Bremerton-Silverdale, WA | 1 | $ 22,000 | $ 22,000 | $ 75,000 |
| Brunswick, GA | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Burlington-South Burlington, VT | 1 | $ 20,000 | $ 20,000 | $ 58,000 |
| Canton-Massillon, OH | 1 | $ 25,000 | $ 25,000 | $ 159,000 |
| Carson City, NV | 1 | $ 281,000 | $ 281,000 | $ 62,000 |
| Charleston, WV | 1 | $ 133,000 | $ 133,000 | $ 56,000 |
| Chico, CA | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Coeur D'Alene, ID | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| College Station-Bryan, TX | 1 | $ 141,000 | $ 141,000 | $ 55,000 |
| Columbus, IN | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Corvallis, OR | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Dalton, GA | 1 | $ 163,000 | $ 163,000 | $ 65,000 |
| Danville, IL | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Decatur, AL | 1 | $ 21,000 | $ 21,000 | $ 97,000 |
| Dothan, AL | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Duluth, MN-WI | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Eau Claire, WI | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
| Fairbanks, AK | 1 | $ 108,000 | $ 108,000 | $ 239,000 |
| Farmington, NM | 1 | $ 50,000 | $ 50,000 | $ 81,000 |
| Gainesville, GA | 1 | $ 90,000 | $ 90,000 | $ 126,000 |
| Grand Junction, CO | 1 | $ 260,000 | $ 260,000 | $ 193,000 |
| Great Falls, MT | 1 | $ 106,000 | $ 106,000 | $ 317,000 |
| Hanford-Corcoran, CA | 1 | $ 290,000 | $ 290,000 | $ 178,000 |
| Hot Springs, AR | 1 | $ 121,000 | $ 121,000 | $ 143,000 |
| Jackson, MI | 1 | $ 40,000 | $ 40,000 | $ 24,000 |
| Johnstown, PA | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Kankakee-Bradley, IL | 1 | $ 360,000 | $ 360,000 | $ 95,000 |
| Kokomo, IN | 1 | $ 35,000 | $ 35,000 | $ 186,000 |
| Lake Charles, LA | 1 | $ 241,000 | $ 241,000 | $ 194,000 |
| Lansing-East Lansing, MI | 1 | $ 142,000 | $ 142,000 | $ 45,000 |
| Lawrence, KS | 1 | $ 276,000 | $ 276,000 | $ 135,000 |
| Lewiston, ID-WA | 1 | $ 38,000 | $ 38,000 | $ 38,000 |
| Logan, UT-ID | 1 | $ 85,000 | $ 85,000 | $ 70,000 |
| Macon, GA | 1 | $ 217,000 | $ 217,000 | $ 83,000 |
| Madera, CA | 1 | $ 72,000 | $ 72,000 | $ 94,000 |
| Merced, CA | 1 | $ 40,000 | $ 40,000 | $ 71,000 |
| Missoula, MT | 1 | $ 35,000 | $ 35,000 | $ 140,000 |
| Morristown, TN | 1 | $ 67,000 | $ 67,000 | $ 58,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 46,000 | $ 46,000 | $ 115,000 |
| Napa, CA | 1 | $ 50,000 | $ 50,000 | $ 196,000 |
| Oshkosh-Neenah, WI | 1 | $ 31,000 | $ 31,000 | $ 87,000 |
| Pine Bluff, AR | 1 | $ 18,000 | $ 18,000 | $ 22,000 |
| Prescott, AZ | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| Provo-Orem, UT | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| Pueblo, CO | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Racine, WI | 1 | $ 24,000 | $ 24,000 | $ 43,000 |
| Reading, PA | 1 | $ 290,000 | $ 290,000 | $ 186,000 |
| Redding, CA | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Rocky Mount, NC | 1 | $ 40,000 | $ 40,000 | $ 86,000 |
| Rome, GA | 1 | $ 186,000 | $ 186,000 | $ 300,000 |
| Salinas, CA | 1 | $ 138,000 | $ 138,000 | $ 214,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 392,000 | $ 392,000 | $ 150,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 669,000 | $ 669,000 | $ 234,000 |
| Savannah, GA | 1 | $ 225,000 | $ 225,000 | $ 220,000 |
| Sherman-Denison, TX | 1 | $ 90,000 | $ 90,000 | $ 160,000 |
| Sioux City, IA-NE-SD | 1 | $ 111,000 | $ 111,000 | $ 92,000 |
| Springfield, MO | 1 | $ 85,000 | $ 85,000 | $ 180,000 |
| Springfield, OH | 1 | $ 247,000 | $ 247,000 | $ 90,000 |
| St. Joseph, MO-KS | 1 | $ 12,000 | $ 12,000 | $ 60,000 |
| State College, PA | 1 | $ 40,000 | $ 40,000 | $ 157,000 |
| Tuscaloosa, AL | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Tyler, TX | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Vallejo-Fairfield, CA | 1 | $ 353,000 | $ 353,000 | $ 148,000 |
| Visalia-Porterville, CA | 1 | $ 80,000 | $ 80,000 | $ 37,000 |
| Waco, TX | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Wichita Falls, TX | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Williamsport, PA | 1 | $ 18,000 | $ 18,000 | $ 54,000 |
| Yakima, WA | 1 | $ 43,000 | $ 43,000 | $ 72,000 |
| Yuma, AZ | 1 | $ 48,000 | $ 48,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for American Express Bank, FSB 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 | 1,447 | $227,713,000 | $157,000 | $3,900,000 | $106,000 | $984,000 |
| Home Improvement | 764 | $56,669,000 | $74,000 | $587,000 | $106,000 | $2,808,000 |
| Home Purchase | 571 | $142,768,000 | $250,000 | $1,496,000 | $133,000 | $1,150,000 |
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 | 1,518 | $244,824,000 | $161,000 | $3,900,000 | $115,000 | $1,150,000 |
| Not Provided | 668 | $93,806,000 | $140,000 | $1,496,000 | $113,000 | $1,025,000 |
| Black or African American | 241 | $35,295,000 | $146,000 | $850,000 | $92,000 | $936,000 |
| Hispanic | 216 | $32,720,000 | $151,000 | $1,000,000 | $111,000 | $2,808,000 |
| Asian | 120 | $17,989,000 | $149,000 | $637,000 | $105,000 | $445,000 |
| American Indian or Alaskan Native | 12 | $1,388,000 | $115,000 | $203,000 | $64,000 | $103,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,128,000 | $161,000 | $344,000 | $111,000 | $205,000 |
| 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) | 2,782 | $427,150,000 | $153,000 | $3,900,000 | $111,000 | $2,808,000 |
| 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 | 2,024 | $275,572,000 | $136,000 | $1,200,000 | $111,000 | $2,808,000 |
| Application Denied By Financial Institution | 466 | $85,936,000 | $184,000 | $3,900,000 | $100,000 | $984,000 |
| Application Withdrawn By Applicant | 198 | $42,142,000 | $212,000 | $1,496,000 | $134,000 | $950,000 |
| Application Approved But Not Accepted | 78 | $18,745,000 | $240,000 | $587,000 | $120,000 | $1,025,000 |
| File Closed For Incompleteness | 16 | $4,755,000 | $297,000 | $640,000 | $176,000 | $654,000 |
| 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 | 160 | $14,288,000 | $89,000 | $500,000 | $91,000 | $555,000 |
| Collateral | 126 | $29,596,000 | $234,000 | $3,900,000 | $112,000 | $960,000 |
| Debt-To-Income Ratio | 124 | $26,773,000 | $215,000 | $1,158,000 | $75,000 | $420,000 |
| Other | 20 | $3,840,000 | $192,000 | $669,000 | $109,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $4,101,000 | $256,000 | $1,230,000 | $139,000 | $699,000 |
| Credit Application Incomplete | 14 | $5,713,000 | $408,000 | $1,500,000 | $226,000 | $984,000 |
| Unverifiable Information | 4 | $1,133,000 | $283,000 | $492,000 | $185,000 | $324,000 |
| Employment History | 2 | $492,000 | $246,000 | $383,000 | $147,000 | $170,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Express Bank, FSB'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 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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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