American Express Centurion Bk Mortgage Lending & HMDA Data, 2004
In 2004, American Express Centurion Bk of Salt Lake City, UT reported 202 mortgage applications totaling $10.9 million, down 86% from 2003. The average application was for $53,975, and applicants reported an average income of $90,886. 45% of its applications resulted in an originated loan and 48% were denied. Its largest markets were New York-Wayne-White Plains, NY-NJ (16), Los Angeles-Long Beach-Glendale, CA (12) and Miami-Miami Beach-Kendall, FL (8) (applications in parentheses).
| Mortgage Company & Address | American Express Centurion Bk 4315 South 2700 West Salt Lake City, UT 84184 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 202 |
| Total Mortgage Loan Application Amount | $10,903,000 |
| Average Mortgage Loan Application Amount | $53,975 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $90,886 |
| Highest Applicant Income | $840,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Express Centurion Bk filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 12 | $ 672,000 | $ 56,000 | $ 80,000 |
| Miami-Dade, Florida | 8 | $ 284,000 | $ 35,500 | $ 65,000 |
| Queens, New York | 5 | $ 548,000 | $ 109,600 | $ 67,000 |
| Richmond, New York | 5 | $ 389,000 | $ 77,800 | $ 91,000 |
| Maricopa, Arizona | 4 | $ 150,000 | $ 37,500 | $ 80,000 |
| Fairfield, Connecticut | 4 | $ 210,000 | $ 52,500 | $ 70,000 |
| Pima, Arizona | 3 | $ 152,000 | $ 50,666 | $ 77,000 |
| Orange, California | 3 | $ 242,000 | $ 80,666 | $ 76,000 |
| Riverside, California | 3 | $ 120,000 | $ 40,000 | $ 85,000 |
| Ventura, California | 3 | $ 220,000 | $ 73,333 | $ 104,000 |
| New Haven, Connecticut | 3 | $ 121,000 | $ 40,333 | $ 50,000 |
| Broward, Florida | 3 | $ 288,000 | $ 96,000 | $ 90,000 |
| Essex, Massachusetts | 3 | $ 140,000 | $ 46,666 | $ 62,000 |
| Kings, New York | 3 | $ 258,000 | $ 86,000 | $ 107,000 |
| Monroe, Pennsylvania | 3 | $ 299,000 | $ 99,666 | $ 112,000 |
| Fairfax, Virginia | 3 | $ 100,000 | $ 33,333 | $ 62,000 |
| Contra Costa, California | 2 | $ 90,000 | $ 45,000 | $ 141,000 |
| Fresno, California | 2 | $ 135,000 | $ 67,500 | $ 66,000 |
| Placer, California | 2 | $ 166,000 | $ 83,000 | $ 104,000 |
| San Bernardino, California | 2 | $ 290,000 | $ 145,000 | $ 336,000 |
| San Diego, California | 2 | $ 115,000 | $ 57,500 | $ 195,000 |
| San Joaquin, California | 2 | $ 61,000 | $ 30,500 | $ 91,000 |
| Solano, California | 2 | $ 56,000 | $ 28,000 | $ 74,000 |
| Hartford, Connecticut | 2 | $ 47,000 | $ 23,500 | $ 54,000 |
| New Castle, Delaware | 2 | $ 73,000 | $ 36,500 | $ 99,000 |
| Honolulu, Hawaii | 2 | $ 75,000 | $ 37,500 | $ 107,000 |
| Johnson, Kansas | 2 | $ 163,000 | $ 81,500 | $ 317,000 |
| Jefferson, Louisiana | 2 | $ 192,000 | $ 96,000 | $ 28,000 |
| Middlesex, Massachusetts | 2 | $ 94,000 | $ 47,000 | $ 118,000 |
| Plymouth, Massachusetts | 2 | $ 105,000 | $ 52,500 | $ 71,000 |
| Nassau, New York | 2 | $ 190,000 | $ 95,000 | $ 103,000 |
| Orange, New York | 2 | $ 100,000 | $ 50,000 | $ 220,000 |
| Warren, Ohio | 2 | $ 52,000 | $ 26,000 | $ 47,000 |
| Allegheny, Pennsylvania | 2 | $ 44,000 | $ 22,000 | $ 37,000 |
| Montgomery, Pennsylvania | 2 | $ 75,000 | $ 37,500 | $ 89,000 |
| Philadelphia, Pennsylvania | 2 | $ 95,000 | $ 47,500 | $ 70,000 |
| Westmoreland, Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 99,000 |
| Chelan, Washington | 2 | $ 40,000 | $ 20,000 | $ 54,000 |
| Houston, Alabama | 1 | $ 24,000 | $ 24,000 | $ 98,000 |
| Madison, Alabama | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Montgomery, Alabama | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Walker, Alabama | 1 | $ 29,000 | $ 29,000 | $ 51,000 |
| Anchorage, Alaska | 1 | $ 24,000 | $ 24,000 | $ 130,000 |
| Fairbanks North Star, Alaska | 1 | $ 50,000 | $ 50,000 | $ 220,000 |
| Yavapai, Arizona | 1 | $ 50,000 | $ 50,000 | $ 17,000 |
| Benton, Arkansas | 1 | $ 29,000 | $ 29,000 | $ 40,000 |
| Alameda, California | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Kern, California | 1 | $ 15,000 | $ 15,000 | $ 145,000 |
| Merced, California | 1 | $ 20,000 | $ 20,000 | $ 99,000 |
| Santa Clara, California | 1 | $ 62,000 | $ 62,000 | $ 50,000 |
| Santa Cruz, California | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Sonoma, California | 1 | $ 61,000 | $ 61,000 | $ 70,000 |
| Yolo, California | 1 | $ 94,000 | $ 94,000 | $ 124,000 |
| Yuba, California | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Litchfield, Connecticut | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Windham, Connecticut | 1 | $ 48,000 | $ 48,000 | $ 64,000 |
| Kent, Delaware | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| District of Columbia, District Of Columbia | 1 | $ 50,000 | $ 50,000 | $ 148,000 |
| Duval, Florida | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Escambia, Florida | 1 | $ 30,000 | $ 30,000 | $ 84,000 |
| Flagler, Florida | 1 | $ 40,000 | $ 40,000 | $ 55,000 |
| Hernando, Florida | 1 | $ 36,000 | $ 36,000 | $ 95,000 |
| Lee, Florida | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| Leon, Florida | 1 | $ 30,000 | $ 30,000 | $ 57,000 |
| Palm Beach, Florida | 1 | $ 40,000 | $ 40,000 | $ 112,000 |
| Sarasota, Florida | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| St. Lucie, Florida | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Suwannee, Florida | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Volusia, Florida | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Gooding, Idaho | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Hamilton, Indiana | 1 | $ 20,000 | $ 20,000 | $ 125,000 |
| Johnson, Indiana | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Marion, Indiana | 1 | $ 33,000 | $ 33,000 | $ 86,000 |
| Martin, Indiana | 1 | $ 38,000 | $ 38,000 | $ 118,000 |
| Tippecanoe, Indiana | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Warrick, Indiana | 1 | $ 65,000 | $ 65,000 | $ 174,000 |
| Wyandotte, Kansas | 1 | $ 34,000 | $ 34,000 | $ 41,000 |
| Jefferson, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 180,000 |
| Bossier, Louisiana | 1 | $ 100,000 | $ 100,000 | $ 220,000 |
| Lafourche, Louisiana | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| Orleans, Louisiana | 1 | $ 48,000 | $ 48,000 | $ 345,000 |
| Cumberland, Maine | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Barnstable, Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Bristol, Massachusetts | 1 | $ 40,000 | $ 40,000 | $ 75,000 |
| Worcester, Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Harrison, Mississippi | 1 | $ 22,000 | $ 22,000 | $ 51,000 |
| Douglas, Nebraska | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Bernalillo, New Mexico | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| San Miguel, New Mexico | 1 | $ 139,000 | $ 139,000 | $ 100,000 |
| Sandoval, New Mexico | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Bronx, New York | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Erie, New York | 1 | $ 48,000 | $ 48,000 | $ 83,000 |
| Jefferson, New York | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Putnam, New York | 1 | $ 100,000 | $ 100,000 | $ 77,000 |
| Suffolk, New York | 1 | $ 84,000 | $ 84,000 | $ 76,000 |
| Ulster, New York | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Westchester, New York | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Rolette, North Dakota | 1 | $ 69,000 | $ 69,000 | $ 95,000 |
| Franklin, Ohio | 1 | $ 36,000 | $ 36,000 | $ 78,000 |
| Hamilton, Ohio | 1 | $ 20,000 | $ 20,000 | $ 40,000 |
| Lawrence, Ohio | 1 | $ 33,000 | $ 33,000 | $ 63,000 |
| Montgomery, Ohio | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Garvin, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| Oklahoma, Oklahoma | 1 | $ 26,000 | $ 26,000 | $ 102,000 |
| Okmulgee, Oklahoma | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Deschutes, Oregon | 1 | $ 27,000 | $ 27,000 | $ 53,000 |
| Douglas, Oregon | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| Butler, Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 37,000 |
| Chester, Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 85,000 |
| Lehigh, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 116,000 |
| Northampton, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Wayne, Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 106,000 |
| York, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Codington, South Dakota | 1 | $ 15,000 | $ 15,000 | $ 98,000 |
| Davidson, Tennessee | 1 | $ 16,000 | $ 16,000 | $ 42,000 |
| Haywood, Tennessee | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Shelby, Tennessee | 1 | $ 19,000 | $ 19,000 | $ 294,000 |
| Wilson, Tennessee | 1 | $ 75,000 | $ 75,000 | $ 840,000 |
| Salt Lake, Utah | 1 | $ 32,000 | $ 32,000 | $ 47,000 |
| Chesapeake, Virginia | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Henrico, Virginia | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Shenandoah, Virginia | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Virginia Beach, Virginia | 1 | $ 28,000 | $ 28,000 | $ 112,000 |
| Clark, Washington | 1 | $ 33,000 | $ 33,000 | $ 38,000 |
| Grant, Washington | 1 | $ 40,000 | $ 40,000 | $ 150,000 |
| Mason, Washington | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Whatcom, Washington | 1 | $ 33,000 | $ 33,000 | $ 47,000 |
| Hampshire, West Virginia | 1 | $ 28,000 | $ 28,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for American Express Centurion Bk in 2004
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 101 | $5,239,000 | $42,227 | $250,000 | $126,545 | $840,000 |
| Refinancing | 101 | $5,664,000 | $56,884 | $224,000 | $83,923 | $294,000 |
| Home Purchase | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 92 | $4,593,000 | $50,928 | $175,000 | $106,678 | $840,000 |
| Not Provided | 59 | $3,228,000 | $43,352 | $224,000 | $77,941 | $250,000 |
| Hispanic | 24 | $1,357,000 | $62,000 | $210,000 | $90,625 | $174,000 |
| Black or African American | 16 | $833,000 | $45,416 | $168,000 | $63,750 | $106,000 |
| Asian | 8 | $427,000 | $45,200 | $100,000 | $75,800 | $134,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $465,000 | $120,000 | $250,000 | $230,000 | $600,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 202 | $10,903,000 | $50,656 | $250,000 | $93,968 | $840,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 96 | $5,119,000 | $50,086 | $250,000 | $90,652 | $840,000 |
| Loan Originated | 90 | $4,850,000 | $42,400 | $165,000 | $90,400 | $540,000 |
| Application Withdrawn By Applicant | 16 | $934,000 | $64,000 | $224,000 | $90,333 | $220,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 48 | $2,334,000 | $51,842 | $250,000 | $121,631 | $840,000 |
| Debt-To-Income Ratio | 37 | $2,125,000 | $45,000 | $210,000 | $51,400 | $250,000 |
| Collateral | 7 | $444,000 | $63,428 | $150,000 | $140,285 | $294,000 |
| Other | 4 | $216,000 | $54,000 | $100,000 | $43,500 | $60,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Express Centurion Bk's 2004 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 Centurion Bk'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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