American General Home Equ.(De) Mortgage Lending & HMDA Data, 2005

In 2005, American General Home Equ.(De) of Evansville, IN reported 1,338 mortgage applications totaling $101.4 million, up 10% from 2004. The average application was for $75,819, and applicants reported an average income of $34,678. 93% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (153), Tucson, AZ (118) and Jacksonville, FL (87) (applications in parentheses).

Mortgage Company & Address American General Home Equ.(De)
601 N.W. Second Street, P.O. Box 59
Evansville, IN 47701
Federal Regulator * available with data download
Years 2007  2006  2005  2004  
Total Number of Mortgage Applications 1,338
Total Mortgage Loan Application Amount $101,447,000
Average Mortgage Loan Application Amount $75,819
Highest Mortgage Loan Application Amount $387,000
Average Applicant Income $34,678
Highest Applicant Income $401,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American General Home Equ.(De) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for American General Home Equ.(De) by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 126 $ 11,901,000 $ 94,452 $ 47,000
Pima, Arizona 118 $ 8,211,000 $ 69,584 $ 30,000
Polk, Florida 65 $ 4,230,000 $ 65,076 $ 29,000
Duval, Florida 54 $ 3,508,000 $ 64,962 $ 34,000
Marion, Florida 42 $ 2,989,000 $ 71,166 $ 30,000
Yavapai, Arizona 36 $ 2,722,000 $ 75,611 $ 36,000
Pinal, Arizona 27 $ 2,842,000 $ 105,259 $ 36,000
Pierce, Washington 25 $ 3,602,000 $ 144,080 $ 50,000
Mohave, Arizona 24 $ 1,367,000 $ 56,958 $ 36,000
Pinellas, Florida 24 $ 1,693,000 $ 70,541 $ 34,000
Coconino, Arizona 23 $ 2,129,000 $ 92,565 $ 40,000
Putnam, Florida 23 $ 1,397,000 $ 60,739 $ 29,000
Erie, New York 23 $ 1,218,000 $ 52,956 $ 20,000
Pasco, Florida 22 $ 1,639,000 $ 74,500 $ 19,000
Cochise, Arizona 18 $ 1,150,000 $ 63,888 $ 34,000
St. Johns, Florida 18 $ 1,551,000 $ 86,166 $ 36,000
Snohomish, Washington 18 $ 3,029,000 $ 168,277 $ 46,000
Hernando, Florida 17 $ 1,495,000 $ 87,941 $ 28,000
Jackson, Florida 17 $ 720,000 $ 42,352 $ 35,000
King, Washington 17 $ 2,156,000 $ 126,823 $ 57,000
Spokane, Washington 17 $ 1,243,000 $ 73,117 $ 30,000
Navajo, Arizona 15 $ 819,000 $ 54,600 $ 32,000
Yuma, Arizona 15 $ 895,000 $ 59,666 $ 29,000
Citrus, Florida 15 $ 1,104,000 $ 73,600 $ 35,000
Escambia, Florida 15 $ 665,000 $ 44,333 $ 33,000
Hillsborough, Florida 15 $ 1,109,000 $ 73,933 $ 28,000
Alachua, Florida 13 $ 921,000 $ 70,846 $ 34,000
Okaloosa, Florida 12 $ 636,000 $ 53,000 $ 35,000
Lake, Florida 11 $ 863,000 $ 78,454 $ 22,000
Levy, Florida 11 $ 875,000 $ 79,545 $ 41,000
Clark, Washington 11 $ 1,498,000 $ 136,181 $ 39,000
Clay, Florida 10 $ 736,000 $ 73,600 $ 24,000
Indian River, Florida 10 $ 791,000 $ 79,100 $ 22,000
Thurston, Washington 10 $ 1,561,000 $ 156,100 $ 44,000
Columbia, Florida 9 $ 490,000 $ 54,444 $ 20,000
Orange, Florida 9 $ 1,191,000 $ 132,333 $ 44,000
Grays Harbor, Washington 9 $ 650,000 $ 72,222 $ 29,000
Mason, Washington 8 $ 651,000 $ 81,375 $ 42,000
Stevens, Washington 8 $ 744,000 $ 93,000 $ 40,000
Flagler, Florida 7 $ 427,000 $ 61,000 $ 9,000
Osceola, Florida 7 $ 404,000 $ 57,714 $ 39,000
Santa Rosa, Florida 7 $ 363,000 $ 51,857 $ 31,000
Apache, Arizona 6 $ 239,000 $ 39,833 $ 41,000
Gila, Arizona 6 $ 447,000 $ 74,500 $ 34,000
Lee, Florida 6 $ 366,000 $ 61,000 $ 31,000
Henderson, Kentucky 6 $ 299,000 $ 49,833 $ 25,000
Cattaraugus, New York 6 $ 283,000 $ 47,166 $ 30,000
Benton, Washington 6 $ 430,000 $ 71,666 $ 31,000
Brevard, Florida 5 $ 364,000 $ 72,800 $ 42,000
Caldwell, Kentucky 5 $ 356,000 $ 71,200 $ 23,000
Calloway, Kentucky 5 $ 196,000 $ 39,200 $ 37,000
Perry, Kentucky 5 $ 190,000 $ 38,000 $ 30,000
Chautauqua, New York 5 $ 250,000 $ 50,000 $ 48,000
Madison, New York 5 $ 161,000 $ 32,200 $ 31,000
Chelan, Washington 5 $ 642,000 $ 128,400 $ 43,000
Calhoun, Florida 4 $ 223,000 $ 55,750 $ 41,000
Hardee, Florida 4 $ 311,000 $ 77,750 $ 47,000
Suwannee, Florida 4 $ 217,000 $ 54,250 $ 34,000
Washington, Florida 4 $ 226,000 $ 56,500 $ 33,000
Laurel, Kentucky 4 $ 211,000 $ 52,750 $ 29,000
Magoffin, Kentucky 4 $ 226,000 $ 56,500 $ 23,000
Marshall, Kentucky 4 $ 367,000 $ 91,750 $ 27,000
McCracken, Kentucky 4 $ 300,000 $ 75,000 $ 22,000
Chemung, New York 4 $ 76,000 $ 19,000 $ 33,000
Cortland, New York 4 $ 166,000 $ 41,500 $ 40,000
Nassau, New York 4 $ 400,000 $ 100,000 $ 40,000
Oneida, New York 4 $ 160,000 $ 40,000 $ 10,000
Onondaga, New York 4 $ 181,000 $ 45,250 $ 46,000
Queens, New York 4 $ 173,000 $ 43,250 $ 65,000
Rensselaer, New York 4 $ 94,000 $ 23,500 $ 27,000
Ulster, New York 4 $ 331,000 $ 82,750 $ 62,000
Grant, Washington 4 $ 342,000 $ 85,500 $ 59,000
Island, Washington 4 $ 294,000 $ 73,500 $ 38,000
Kitsap, Washington 4 $ 591,000 $ 147,750 $ 20,000
Lewis, Washington 4 $ 267,000 $ 66,750 $ 36,000
Yakima, Washington 4 $ 307,000 $ 76,750 $ 38,000
Graham, Arizona 3 $ 84,000 $ 28,000 $ 27,000
Santa Cruz, Arizona 3 $ 271,000 $ 90,333 $ 44,000
Baker, Florida 3 $ 183,000 $ 61,000 $ 38,000
Charlotte, Florida 3 $ 327,000 $ 109,000 $ 47,000
Collier, Florida 3 $ 172,000 $ 57,333 $ 36,000
Hamilton, Florida 3 $ 70,000 $ 23,333 $ 40,000
Leon, Florida 3 $ 276,000 $ 92,000 $ 81,000
Manatee, Florida 3 $ 176,000 $ 58,666 $ 38,000
Okeechobee, Florida 3 $ 137,000 $ 45,666 $ 62,000
Sarasota, Florida 3 $ 502,000 $ 167,333 $ 54,000
Sumter, Florida 3 $ 120,000 $ 40,000 $ 27,000
Volusia, Florida 3 $ 186,000 $ 62,000 $ 35,000
Boyd, Kentucky 3 $ 165,000 $ 55,000 $ 29,000
Clark, Kentucky 3 $ 205,000 $ 68,333 $ 21,000
Graves, Kentucky 3 $ 210,000 $ 70,000 $ 25,000
Knox, Kentucky 3 $ 158,000 $ 52,666 $ 18,000
Letcher, Kentucky 3 $ 157,000 $ 52,333 $ 40,000
Greene, New York 3 $ 281,000 $ 93,666 $ 29,000
Ontario, New York 3 $ 88,000 $ 29,333 $ 42,000
Oswego, New York 3 $ 187,000 $ 62,333 $ 12,000
Steuben, New York 3 $ 126,000 $ 42,000 $ 19,000
Suffolk, New York 3 $ 279,000 $ 93,000 $ 42,000
Cowlitz, Washington 3 $ 300,000 $ 100,000 $ 45,000
Pend Oreille, Washington 3 $ 202,000 $ 67,333 $ 42,000
Bradford, Florida 2 $ 52,000 $ 26,000 $ 27,000
Broward, Florida 2 $ 76,000 $ 38,000 $ 48,000
DeSoto, Florida 2 $ 112,000 $ 56,000 $ 34,000
Nassau, Florida 2 $ 102,000 $ 51,000 $ 21,000
Palm Beach, Florida 2 $ 202,000 $ 101,000 $ 37,000
Union, Florida 2 $ 147,000 $ 73,500 $ 25,000
Walton, Florida 2 $ 140,000 $ 70,000 $ 50,000
Barren, Kentucky 2 $ 190,000 $ 95,000 $ 36,000
Boone, Kentucky 2 $ 228,000 $ 114,000 $ 39,000
Bullitt, Kentucky 2 $ 113,000 $ 56,500 $ 9,000
Clay, Kentucky 2 $ 145,000 $ 72,500 $ 26,000
Daviess, Kentucky 2 $ 84,000 $ 42,000 $ 21,000
Floyd, Kentucky 2 $ 82,000 $ 41,000 $ 39,000
Garrard, Kentucky 2 $ 81,000 $ 40,500 $ 33,000
Grant, Kentucky 2 $ 188,000 $ 94,000 $ 30,000
Hopkins, Kentucky 2 $ 153,000 $ 76,500 $ 40,000
Jefferson, Kentucky 2 $ 192,000 $ 96,000 $ 20,000
Lawrence, Kentucky 2 $ 90,000 $ 45,000 $ 77,000
Lyon, Kentucky 2 $ 104,000 $ 52,000 $ 25,000
Muhlenberg, Kentucky 2 $ 80,000 $ 40,000 $ 28,000
Oldham, Kentucky 2 $ 124,000 $ 62,000 $ 35,000
Taylor, Kentucky 2 $ 63,000 $ 31,500 $ 22,000
Jackson, Mississippi 2 $ 18,000 $ 9,000 $ 0
Chenango, New York 2 $ 48,000 $ 24,000 $ 31,000
Delaware, New York 2 $ 80,000 $ 40,000 $ 43,000
Monroe, New York 2 $ 109,000 $ 54,500 $ 51,000
Orange, New York 2 $ 50,000 $ 25,000 $ 66,000
Schenectady, New York 2 $ 64,000 $ 32,000 $ 20,000
Schuyler, New York 2 $ 104,000 $ 52,000 $ 15,000
Wayne, New York 2 $ 43,000 $ 21,500 $ 27,000
Wyoming, New York 2 $ 108,000 $ 54,000 $ 25,000
Adams, Washington 2 $ 123,000 $ 61,500 $ 27,000
Franklin, Washington 2 $ 347,000 $ 173,500 $ 27,000
Pacific, Washington 2 $ 279,000 $ 139,500 $ 52,000
Baldwin, Alabama 1 $ 49,000 $ 49,000 $ 20,000
La Paz, Arizona 1 $ 73,000 $ 73,000 $ 57,000
Bay, Florida 1 $ 18,000 $ 18,000 $ 60,000
Gadsden, Florida 1 $ 52,000 $ 52,000 $ 30,000
Gilchrist, Florida 1 $ 52,000 $ 52,000 $ 21,000
Highlands, Florida 1 $ 36,000 $ 36,000 $ 23,000
Holmes, Florida 1 $ 186,000 $ 186,000 $ 74,000
Lafayette, Florida 1 $ 72,000 $ 72,000 $ 74,000
Martin, Florida 1 $ 70,000 $ 70,000 $ 24,000
Miami-Dade, Florida 1 $ 270,000 $ 270,000 $ 96,000
Seminole, Florida 1 $ 50,000 $ 50,000 $ 22,000
St. Lucie, Florida 1 $ 257,000 $ 257,000 $ 42,000
Benewah, Idaho 1 $ 76,000 $ 76,000 $ 36,000
Kootenai, Idaho 1 $ 130,000 $ 130,000 $ 40,000
Ballard, Kentucky 1 $ 123,000 $ 123,000 $ 53,000
Carter, Kentucky 1 $ 71,000 $ 71,000 $ 14,000
Christian, Kentucky 1 $ 35,000 $ 35,000 $ 12,000
Estill, Kentucky 1 $ 28,000 $ 28,000 $ 36,000
Gallatin, Kentucky 1 $ 18,000 $ 18,000 $ 0
Greenup, Kentucky 1 $ 40,000 $ 40,000 $ 34,000
Hart, Kentucky 1 $ 28,000 $ 28,000 $ 23,000
Jackson, Kentucky 1 $ 64,000 $ 64,000 $ 10,000
Jessamine, Kentucky 1 $ 42,000 $ 42,000 $ 38,000
Johnson, Kentucky 1 $ 24,000 $ 24,000 $ 14,000
Kenton, Kentucky 1 $ 48,000 $ 48,000 $ 21,000
Leslie, Kentucky 1 $ 20,000 $ 20,000 $ 22,000
Lincoln, Kentucky 1 $ 109,000 $ 109,000 $ 17,000
Madison, Kentucky 1 $ 72,000 $ 72,000 $ 55,000
Martin, Kentucky 1 $ 30,000 $ 30,000 $ 24,000
Mason, Kentucky 1 $ 29,000 $ 29,000 $ 36,000
McLean, Kentucky 1 $ 72,000 $ 72,000 $ 25,000
Metcalfe, Kentucky 1 $ 62,000 $ 62,000 $ 16,000
Montgomery, Kentucky 1 $ 22,000 $ 22,000 $ 28,000
Nelson, Kentucky 1 $ 88,000 $ 88,000 $ 15,000
Nicholas, Kentucky 1 $ 40,000 $ 40,000 $ 23,000
Ohio, Kentucky 1 $ 99,000 $ 99,000 $ 17,000
Pendleton, Kentucky 1 $ 64,000 $ 64,000 $ 0
Scott, Kentucky 1 $ 38,000 $ 38,000 $ 34,000
Wayne, Kentucky 1 $ 59,000 $ 59,000 $ 38,000
Albany, New York 1 $ 11,000 $ 11,000 $ 23,000
Bronx, New York 1 $ 387,000 $ 387,000 $ 59,000
Fulton, New York 1 $ 11,000 $ 11,000 $ 22,000
Jefferson, New York 1 $ 9,000 $ 9,000 $ 20,000
Kings, New York 1 $ 22,000 $ 22,000 $ 50,000
Lewis, New York 1 $ 21,000 $ 21,000 $ 30,000
Montgomery, New York 1 $ 104,000 $ 104,000 $ 39,000
Orleans, New York 1 $ 43,000 $ 43,000 $ 29,000
Saratoga, New York 1 $ 11,000 $ 11,000 $ 22,000
St. Lawrence, New York 1 $ 17,000 $ 17,000 $ 26,000
Sullivan, New York 1 $ 40,000 $ 40,000 $ 22,000
Washington, New York 1 $ 17,000 $ 17,000 $ 52,000
Yates, New York 1 $ 104,000 $ 104,000 $ 0
Umatilla, Oregon 1 $ 61,000 $ 61,000 $ 0
Douglas, Washington 1 $ 20,000 $ 20,000 $ 17,000
Kittitas, Washington 1 $ 387,000 $ 387,000 $ 73,000
Klickitat, Washington 1 $ 132,000 $ 132,000 $ 48,000
Okanogan, Washington 1 $ 41,000 $ 41,000 $ 14,000
Skagit, Washington 1 $ 100,000 $ 100,000 $ 70,000
Skamania, Washington 1 $ 109,000 $ 109,000 $ 58,000
Walla Walla, Washington 1 $ 60,000 $ 60,000 $ 51,000
Whatcom, Washington 1 $ 99,000 $ 99,000 $ 20,000
Mingo, West Virginia 1 $ 71,000 $ 71,000 $ 66,000

Mortgage Loan Application Detail Totals for American General Home Equ.(De) 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 542 $44,048,000 $72,125 $387,000 $30,625 $401,000
Home Improvement 438 $31,757,000 $72,375 $387,000 $33,375 $193,000
Home Purchase 358 $25,642,000 $67,400 $316,000 $28,400 $101,000

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 686 $49,690,000 $75,857 $387,000 $41,571 $193,000
Not Provided 397 $33,720,000 $73,333 $353,000 $34,000 $401,000
Not applicable 98 $5,492,000 $49,285 $258,000 $0 $0
Hispanic 85 $6,650,000 $90,500 $270,000 $37,750 $101,000
Black or African American 64 $4,797,000 $84,200 $387,000 $28,800 $72,000
Asian 4 $854,000 $238,000 $342,000 $72,500 $180,000
American Indian or Alaskan Native 3 $193,000 $70,000 $88,000 $47,000 $67,000
Native Hawaiian or Other Pacific Islander 1 $51,000 $51,000 $51,000 $19,000 $19,000

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) 1,338 $101,447,000 $66,400 $387,000 $29,400 $401,000
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 1,240 $95,955,000 $74,875 $387,000 $38,625 $401,000
Loan Purchased By The Institution 98 $5,492,000 $49,285 $258,000 $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 General Home Equ.(De)'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 General Home Equ.(De)'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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