American General Home Equ.(De) Mortgage Lending & HMDA Data, 2004
In 2004, American General Home Equ.(De) of Evansville, IN reported 1,218 mortgage applications totaling $135.9 million. The average application was for $111,568, and applicants reported an average income of $40,279. 70% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Nassau-Suffolk, NY (139), New York-Wayne-White Plains, NY-NJ (114) and Phoenix-Mesa-Scottsdale, AZ (107) (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 | 1,218 |
| Total Mortgage Loan Application Amount | $135,890,000 |
| Average Mortgage Loan Application Amount | $111,568 |
| Highest Mortgage Loan Application Amount | $798,000 |
| Average Applicant Income | $40,279 |
| Highest Applicant Income | $360,000 |
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records American General Home Equ.(De) filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau-Suffolk, NY | 139 | $ 34,919,000 | $ 251,215 | $ 96,000 |
| New York-Wayne-White Plains, NY-NJ | 114 | $ 29,987,000 | $ 263,043 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 107 | $ 7,947,000 | $ 74,271 | $ 25,000 |
| Tucson, AZ | 93 | $ 5,803,000 | $ 62,397 | $ 26,000 |
| Tampa-St. Petersburg-Clearwater, FL | 60 | $ 4,213,000 | $ 70,216 | $ 22,000 |
| Lakeland, FL | 53 | $ 3,314,000 | $ 62,528 | $ 20,000 |
| Jacksonville, FL | 43 | $ 3,537,000 | $ 82,255 | $ 33,000 |
| Ocala, FL | 29 | $ 1,504,000 | $ 51,862 | $ 19,000 |
| Albany-Schenectady-Troy, NY | 28 | $ 2,667,000 | $ 95,250 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 26 | $ 1,036,000 | $ 39,846 | $ 27,000 |
| Prescott, AZ | 23 | $ 1,127,000 | $ 49,000 | $ 25,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 22 | $ 4,793,000 | $ 217,863 | $ 74,000 |
| Buffalo-Niagara Falls, NY | 17 | $ 1,800,000 | $ 105,882 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 17 | $ 2,602,000 | $ 153,058 | $ 30,000 |
| Gainesville, FL | 16 | $ 1,005,000 | $ 62,812 | $ 28,000 |
| Orlando, FL | 16 | $ 1,332,000 | $ 83,250 | $ 24,000 |
| Louisville, KY-IN | 14 | $ 791,000 | $ 56,500 | $ 14,000 |
| Rochester, NY | 14 | $ 1,559,000 | $ 111,357 | $ 61,000 |
| Tacoma, WA | 12 | $ 1,173,000 | $ 97,750 | $ 42,000 |
| Tallahassee, FL | 12 | $ 554,000 | $ 46,166 | $ 33,000 |
| Flagstaff, AZ | 11 | $ 1,171,000 | $ 106,454 | $ 28,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 619,000 | $ 61,900 | $ 18,000 |
| Kingston, NY | 9 | $ 1,070,000 | $ 118,888 | $ 64,000 |
| Syracuse, NY | 9 | $ 279,000 | $ 31,000 | $ 38,000 |
| Yakima, WA | 8 | $ 447,000 | $ 55,875 | $ 21,000 |
| Yuma, AZ | 8 | $ 343,000 | $ 42,875 | $ 28,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 628,000 | $ 89,714 | $ 25,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 216,000 | $ 30,857 | $ 14,000 |
| Punta Gorda, FL | 7 | $ 480,000 | $ 68,571 | $ 28,000 |
| Spokane, WA | 7 | $ 300,000 | $ 42,857 | $ 23,000 |
| Kennewick-Richland-Pasco, WA | 5 | $ 363,000 | $ 72,600 | $ 40,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 258,000 | $ 51,600 | $ 8,000 |
| Port St. Lucie-Fort Pierce, FL | 5 | $ 406,000 | $ 81,200 | $ 5,000 |
| Utica-Rome, NY | 5 | $ 417,000 | $ 83,400 | $ 52,000 |
| Binghamton, NY | 4 | $ 251,000 | $ 62,750 | $ 31,000 |
| Bremerton-Silverdale, WA | 4 | $ 406,000 | $ 101,500 | $ 40,000 |
| Glens Falls, NY | 3 | $ 258,000 | $ 86,000 | $ 34,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 41,000 | $ 13,666 | $ 6,000 |
| Olympia, WA | 3 | $ 242,000 | $ 80,666 | $ 17,000 |
| Panama City-Lynn Haven, FL | 3 | $ 148,000 | $ 49,333 | $ 39,000 |
| Sarasota-Bradenton-Venice, FL | 3 | $ 313,000 | $ 104,333 | $ 17,000 |
| Vero Beach, FL | 3 | $ 325,000 | $ 108,333 | $ 24,000 |
| Owensboro, KY | 2 | $ 81,000 | $ 40,500 | $ 15,000 |
| Coeur D'Alene, ID | 1 | $ 16,000 | $ 16,000 | $ 14,000 |
| Colorado Springs, CO | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 88,000 | $ 88,000 | $ 20,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Lexington-Fayette, KY | 1 | $ 84,000 | $ 84,000 | $ 23,000 |
| New Haven-Milford, CT | 1 | $ 72,000 | $ 72,000 | $ 0 |
Mortgage Loan Application Detail Totals for American General Home Equ.(De) 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 |
|---|---|---|---|---|---|---|
| Refinancing | 456 | $77,421,000 | $79,666 | $798,000 | $25,333 | $360,000 |
| Home Purchase | 454 | $37,163,000 | $80,111 | $560,000 | $24,333 | $248,000 |
| Home Improvement | 308 | $21,306,000 | $58,833 | $412,000 | $26,833 | $102,000 |
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 | 515 | $49,504,000 | $85,333 | $560,000 | $33,833 | $360,000 |
| Not Provided | 440 | $63,793,000 | $101,000 | $600,000 | $36,400 | $216,000 |
| Not applicable | 136 | $8,946,000 | $44,285 | $188,000 | $0 | $0 |
| Hispanic | 60 | $5,096,000 | $103,250 | $399,000 | $41,500 | $131,000 |
| Black or African American | 59 | $7,883,000 | $116,200 | $798,000 | $33,400 | $248,000 |
| American Indian or Alaskan Native | 6 | $571,000 | $102,666 | $240,000 | $37,666 | $76,000 |
| Asian | 2 | $97,000 | $48,500 | $86,000 | $53,500 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,218 | $135,890,000 | $69,300 | $798,000 | $19,500 | $360,000 |
| 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 | 852 | $73,947,000 | $83,333 | $600,000 | $32,833 | $210,000 |
| Loan Purchased By The Institution | 136 | $8,946,000 | $44,285 | $188,000 | $0 | $0 |
| Application Approved But Not Accepted | 128 | $27,090,000 | $211,000 | $489,000 | $75,000 | $248,000 |
| Application Denied By Financial Institution | 98 | $24,950,000 | $254,000 | $798,000 | $88,000 | $360,000 |
| Application Withdrawn By Applicant | 3 | $647,000 | $215,000 | $272,000 | $64,000 | $83,000 |
| File Closed For Incompleteness | 1 | $310,000 | $310,000 | $310,000 | $136,000 | $136,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 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 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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