American Fidelity Mortgage Lending & HMDA Data, 2003
In 2003, American Fidelity of Las Vegas, NV reported 2,297 mortgage applications totaling $353.9 million. The average application was for $154,081, and applicants reported an average income of $42,525. 56% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Las Vegas, NV-AZ (1,280), Tacoma, WA (170) and Greenville-Spartanburg-Anderson, SC (79) (applications in parentheses).
| Mortgage Company & Address | American Fidelity 7674 W. Lake Mead Blvd. 100 Las Vegas, NV 89128 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 2,297 |
| Total Mortgage Loan Application Amount | $353,925,000 |
| Average Mortgage Loan Application Amount | $154,081 |
| Highest Mortgage Loan Application Amount | $3,050,000 |
| Average Applicant Income | $42,525 |
| Highest Applicant Income | $1,032,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Fidelity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Las Vegas, NV-AZ | 1,280 | $ 201,988,000 | $ 157,803 | $ 54,000 |
| Tacoma, WA | 170 | $ 23,720,000 | $ 139,529 | $ 4,000 |
| Greenville-Spartanburg-Anderson, SC | 79 | $ 8,128,000 | $ 102,886 | $ 55,000 |
| Seattle-Bellevue-Everett, WA | 76 | $ 14,180,000 | $ 186,578 | $ 1,000 |
| Portland-Vancouver, OR-WA | 66 | $ 10,236,000 | $ 155,090 | $ 37,000 |
| Denver, CO | 63 | $ 11,183,000 | $ 177,507 | $ 41,000 |
| Salt Lake City-Ogden, UT | 33 | $ 4,604,000 | $ 139,515 | $ 15,000 |
| Provo-Orem, UT | 24 | $ 3,238,000 | $ 134,916 | $ 16,000 |
| San Diego, CA | 23 | $ 6,068,000 | $ 263,826 | $ 66,000 |
| Los Angeles-Long Beach, CA | 22 | $ 5,495,000 | $ 249,772 | $ 79,000 |
| Olympia, WA | 21 | $ 3,859,000 | $ 183,761 | $ 0 |
| Salem, OR | 19 | $ 2,519,000 | $ 132,578 | $ 42,000 |
| Charleston-North Charleston, SC | 16 | $ 1,699,000 | $ 106,187 | $ 33,000 |
| Riverside-San Bernardino, CA | 14 | $ 2,170,000 | $ 155,000 | $ 42,000 |
| Eugene-Springfield, OR | 11 | $ 1,494,000 | $ 135,818 | $ 27,000 |
| Bremerton, WA | 8 | $ 1,151,000 | $ 143,875 | $ 0 |
| Florence, SC | 7 | $ 833,000 | $ 119,000 | $ 57,000 |
| Orange County, CA | 7 | $ 1,938,000 | $ 276,857 | $ 88,000 |
| Birmingham, AL | 6 | $ 557,000 | $ 92,833 | $ 0 |
| Reno, NV | 6 | $ 949,000 | $ 158,166 | $ 74,000 |
| Ventura, CA | 5 | $ 1,106,000 | $ 221,200 | $ 74,000 |
| Colorado Springs, CO | 4 | $ 1,166,000 | $ 291,500 | $ 85,000 |
| Baton Rouge, LA | 3 | $ 383,000 | $ 127,666 | $ 26,000 |
| Columbia, SC | 3 | $ 239,000 | $ 79,666 | $ 64,000 |
| Greeley, CO | 3 | $ 780,000 | $ 260,000 | $ 79,000 |
| Oakland, CA | 3 | $ 541,000 | $ 180,333 | $ 82,000 |
| Richland-Kennewick-Pasco, WA | 3 | $ 324,000 | $ 108,000 | $ 0 |
| Boulder-Longmont, CO | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Fresno, CA | 2 | $ 228,000 | $ 114,000 | $ 80,000 |
| Great Falls, MT | 2 | $ 257,000 | $ 128,500 | $ 37,000 |
| Medford-Ashland, OR | 2 | $ 288,000 | $ 144,000 | $ 36,000 |
| Sacramento, CA | 2 | $ 455,000 | $ 227,500 | $ 104,000 |
| San Jose, CA | 2 | $ 1,001,000 | $ 500,500 | $ 112,000 |
| Santa Rosa, CA | 2 | $ 345,000 | $ 172,500 | $ 91,000 |
| Spokane, WA | 2 | $ 499,000 | $ 249,500 | $ 101,000 |
| Athens, GA | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| Baltimore, MD | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Billings, MT | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Columbus, OH | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fort Walton Beach, FL | 1 | $ 79,000 | $ 79,000 | $ 31,000 |
| Killeen-Temple, TX | 1 | $ 124,000 | $ 124,000 | $ 85,000 |
| Lake Charles, LA | 1 | $ 148,000 | $ 148,000 | $ 119,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 84,000 | $ 84,000 | $ 18,000 |
| Monroe, LA | 1 | $ 138,000 | $ 138,000 | $ 75,000 |
| Myrtle Beach, SC | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
| New Orleans, LA | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Panama City, FL | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Phoenix-Mesa, AZ | 1 | $ 3,050,000 | $ 3,050,000 | $ 996,000 |
| San Antonio, TX | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Santa Barbara-Santa Maria-Lompoc, CA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Sumter, SC | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Wichita, KS | 1 | $ 63,000 | $ 63,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for American Fidelity in 2003
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 (home purchase or home improvement, one-to-four family) | 1,369 | $203,098,000 | $134,562 | $950,000 | $25,500 | $824,000 |
| Home Purchase (one-to-four family) | 928 | $150,827,000 | $373,769 | $3,050,000 | $124,923 | $1,032,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 1,521 | $237,936,000 | $136,588 | $808,000 | $32,764 | $1,032,000 |
| Hispanic | 392 | $53,741,000 | $150,285 | $547,000 | $36,000 | $300,000 |
| Information not provided by applicant in mail or telephone application | 219 | $33,549,000 | $378,583 | $3,050,000 | $107,833 | $996,000 |
| Black | 81 | $13,580,000 | $194,500 | $900,000 | $37,833 | $276,000 |
| Asian or Pacific Islander | 64 | $12,143,000 | $203,000 | $950,000 | $56,400 | $471,000 |
| Other | 19 | $2,856,000 | $144,250 | $244,000 | $49,250 | $716,000 |
| American Indian or Alaskan Native | 1 | $120,000 | $120,000 | $120,000 | $59,000 | $59,000 |
| 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) | 1,533 | $252,210,000 | $296,888 | $3,050,000 | $97,111 | $1,032,000 |
| FHA-insured (Federal Housing Administration) | 676 | $88,875,000 | $143,666 | $305,000 | $19,666 | $168,000 |
| VA-guaranteed (Veterans Administration) | 88 | $12,840,000 | $126,000 | $250,000 | $13,285 | $104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,284 | $198,715,000 | $137,375 | $950,000 | $27,375 | $1,032,000 |
| Application Withdrawn By Applicant | 483 | $74,996,000 | $421,727 | $3,050,000 | $144,545 | $996,000 |
| Application Approved But Not Accepted | 221 | $33,497,000 | $155,222 | $468,000 | $42,222 | $209,000 |
| Application Denied By Financial Institution | 156 | $22,862,000 | $145,111 | $468,000 | $30,888 | $139,000 |
| File Closed For Incompleteness | 153 | $23,855,000 | $152,142 | $808,000 | $43,571 | $369,000 |
| Loan Purchased By The 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Fidelity's 2003 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 Fidelity'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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