American Fidelity Mortgage Ser Mortgage Lending & HMDA Data, 2008
In 2008, American Fidelity Mortgage Ser of Wheaton, IL reported 871 mortgage applications totaling $185.4 million, up 13% from 2007. The average application was for $212,867, and applicants reported an average income of $63,335. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (692), Milwaukee-Waukesha-West Allis, WI (44) and Lake County-Kenosha County, IL-WI (41) (applications in parentheses).
| Mortgage Company & Address | American Fidelity Mortgage Ser 1751 S. Naperville Rd., Suite 104 Wheaton, IL 60187 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 871 |
| Total Mortgage Loan Application Amount | $185,408,000 |
| Average Mortgage Loan Application Amount | $212,867 |
| Highest Mortgage Loan Application Amount | $1,024,000 |
| Average Applicant Income | $63,335 |
| Highest Applicant Income | $1,816,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Fidelity Mortgage Ser filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cook, Illinois | 250 | $ 57,066,000 | $ 228,264 | $ 67,000 |
| Kane, Illinois | 166 | $ 32,551,000 | $ 196,090 | $ 50,000 |
| DuPage, Illinois | 123 | $ 28,402,000 | $ 230,910 | $ 70,000 |
| Will, Illinois | 59 | $ 13,725,000 | $ 232,627 | $ 56,000 |
| McHenry, Illinois | 57 | $ 11,592,000 | $ 203,368 | $ 57,000 |
| Lake, Illinois | 41 | $ 9,596,000 | $ 234,048 | $ 64,000 |
| Kendall, Illinois | 29 | $ 6,189,000 | $ 213,413 | $ 64,000 |
| Milwaukee, Wisconsin | 27 | $ 4,900,000 | $ 181,481 | $ 74,000 |
| Peoria, Illinois | 14 | $ 1,491,000 | $ 106,500 | $ 49,000 |
| St. Clair, Illinois | 13 | $ 2,587,000 | $ 199,000 | $ 0 |
| Tazewell, Illinois | 12 | $ 1,677,000 | $ 139,750 | $ 41,000 |
| Madison, Illinois | 8 | $ 1,465,000 | $ 183,125 | $ 41,000 |
| Ozaukee, Wisconsin | 7 | $ 1,357,000 | $ 193,857 | $ 60,000 |
| Waukesha, Wisconsin | 6 | $ 1,355,000 | $ 225,833 | $ 68,000 |
| Boone, Illinois | 4 | $ 659,000 | $ 164,750 | $ 62,000 |
| DeKalb, Illinois | 4 | $ 686,000 | $ 171,500 | $ 10,000 |
| Grundy, Illinois | 4 | $ 1,046,000 | $ 261,500 | $ 51,000 |
| Lake, Indiana | 4 | $ 761,000 | $ 190,250 | $ 28,000 |
| Washington, Wisconsin | 4 | $ 691,000 | $ 172,750 | $ 67,000 |
| Woodford, Illinois | 3 | $ 501,000 | $ 167,000 | $ 64,000 |
| Racine, Wisconsin | 3 | $ 737,000 | $ 245,666 | $ 78,000 |
| Lee, Florida | 2 | $ 300,000 | $ 150,000 | $ 132,000 |
| Champaign, Illinois | 2 | $ 486,000 | $ 243,000 | $ 45,000 |
| McLean, Illinois | 2 | $ 249,000 | $ 124,500 | $ 46,000 |
| Winnebago, Illinois | 2 | $ 264,000 | $ 132,000 | $ 30,000 |
| LaPorte, Indiana | 2 | $ 494,000 | $ 247,000 | $ 158,000 |
| Dane, Wisconsin | 2 | $ 486,000 | $ 243,000 | $ 320,000 |
| Jefferson, Wisconsin | 2 | $ 380,000 | $ 190,000 | $ 189,000 |
| Pinellas, Florida | 1 | $ 116,000 | $ 116,000 | $ 64,000 |
| Fulton, Illinois | 1 | $ 71,000 | $ 71,000 | $ 52,000 |
| Iroquois, Illinois | 1 | $ 214,000 | $ 214,000 | $ 95,000 |
| Jo Daviess, Illinois | 1 | $ 314,000 | $ 314,000 | $ 174,000 |
| Kankakee, Illinois | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Knox, Illinois | 1 | $ 98,000 | $ 98,000 | $ 75,000 |
| LaSalle, Illinois | 1 | $ 111,000 | $ 111,000 | $ 36,000 |
| Logan, Illinois | 1 | $ 150,000 | $ 150,000 | $ 120,000 |
| Monroe, Illinois | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Ogle, Illinois | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Rock Island, Illinois | 1 | $ 341,000 | $ 341,000 | $ 123,000 |
| Sangamon, Illinois | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Williamson, Illinois | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Lincoln, Maine | 1 | $ 417,000 | $ 417,000 | $ 984,000 |
| Berrien, Michigan | 1 | $ 142,000 | $ 142,000 | $ 228,000 |
| Van Buren, Michigan | 1 | $ 216,000 | $ 216,000 | $ 189,000 |
| St. Louis City, Missouri | 1 | $ 53,000 | $ 53,000 | $ 47,000 |
| Cass, North Dakota | 1 | $ 321,000 | $ 321,000 | $ 121,000 |
| Walworth, Wisconsin | 1 | $ 238,000 | $ 238,000 | $ 282,000 |
Mortgage Loan Application Detail Totals for American Fidelity Mortgage Ser 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 | 555 | $125,394,000 | $225,000 | $476,000 | $51,000 | $347,000 |
| Home Purchase | 316 | $60,014,000 | $189,000 | $1,024,000 | $85,000 | $1,816,000 |
| Home Improvement | 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 | 581 | $128,292,000 | $220,000 | $1,024,000 | $70,000 | $1,816,000 |
| Hispanic | 188 | $35,463,000 | $188,000 | $415,000 | $52,000 | $282,000 |
| Black or African American | 80 | $16,524,000 | $206,000 | $417,000 | $28,000 | $180,000 |
| Asian | 13 | $3,193,000 | $245,000 | $417,000 | $135,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $760,000 | $190,000 | $266,000 | $49,000 | $71,000 |
| Not Provided | 3 | $748,000 | $249,000 | $308,000 | $39,000 | $118,000 |
| American Indian or Alaskan Native | 2 | $428,000 | $214,000 | $340,000 | $88,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 490 | $100,383,000 | $204,000 | $415,000 | $45,000 | $320,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 285 | $65,972,000 | $231,000 | $1,024,000 | $108,000 | $1,816,000 |
| VA-guaranteed (Veterans Administration) | 96 | $19,053,000 | $198,000 | $417,000 | $19,000 | $120,000 |
| 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 | 871 | $185,408,000 | $212,000 | $1,024,000 | $63,000 | $1,816,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 Mortgage Ser'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 Fidelity Mortgage Ser'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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