American Home Lending USA, LLC Mortgage Lending & HMDA Data, 2019
In 2019, American Home Lending USA, LLC of Edwardsville, IL reported 378 mortgage applications totaling $101.2 million, up 101% from 2018. The average application was for $267,804, and applicants reported an average income of $47,806. 72% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (103), Mobile, AL (24) and Atlanta-Sandy Springs-Roswell, GA (13) (applications in parentheses).
| Mortgage Company & Address | American Home Lending USA, LLC 230 S Buchanan St, Ste A Edwardsville, IL 62025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 378 |
| Total Mortgage Loan Application Amount | $101,230,000 |
| Average Mortgage Loan Application Amount | $267,804 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $47,806 |
| Highest Applicant Income | $314,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Home Lending USA, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Madison, Illinois | 57 | $ 11,715,000 | $ 205,526 | $ 75,000 |
| Mobile, Alabama | 24 | $ 3,840,000 | $ 160,000 | $ 77,000 |
| Lee, Mississippi | 21 | $ 3,795,000 | $ 180,714 | $ 68,000 |
| St. Clair, Illinois | 19 | $ 4,605,000 | $ 242,368 | $ 65,000 |
| Monroe, Illinois | 12 | $ 2,720,000 | $ 226,666 | $ 76,000 |
| Baldwin, Alabama | 9 | $ 1,475,000 | $ 163,888 | $ 99,000 |
| El Paso, Colorado | 8 | $ 2,760,000 | $ 345,000 | $ 9,000 |
| Anne Arundel, Maryland | 8 | $ 3,580,000 | $ 447,500 | $ 51,000 |
| Los Angeles, California | 7 | $ 2,775,000 | $ 396,428 | $ 0 |
| Volusia, Florida | 7 | $ 1,355,000 | $ 193,571 | $ 72,000 |
| San Diego, California | 6 | $ 2,730,000 | $ 455,000 | $ 17,000 |
| Cook, Illinois | 6 | $ 2,190,000 | $ 365,000 | $ 0 |
| Charles, Maryland | 6 | $ 2,460,000 | $ 410,000 | $ 0 |
| DeSoto, Mississippi | 6 | $ 1,630,000 | $ 271,666 | $ 56,000 |
| Itawamba, Mississippi | 6 | $ 840,000 | $ 140,000 | $ 81,000 |
| Sacramento, California | 5 | $ 2,055,000 | $ 411,000 | $ 0 |
| Pinellas, Florida | 5 | $ 1,175,000 | $ 235,000 | $ 35,000 |
| Cobb, Georgia | 5 | $ 1,795,000 | $ 359,000 | $ 16,000 |
| Prince George's, Maryland | 5 | $ 1,665,000 | $ 333,000 | $ 0 |
| Pontotoc, Mississippi | 5 | $ 895,000 | $ 179,000 | $ 59,000 |
| Union, Illinois | 4 | $ 790,000 | $ 197,500 | $ 38,000 |
| St. Louis, Missouri | 4 | $ 1,050,000 | $ 262,500 | $ 22,000 |
| St. Louis City, Missouri | 4 | $ 1,110,000 | $ 277,500 | $ 129,000 |
| San Joaquin, California | 3 | $ 1,155,000 | $ 385,000 | $ 0 |
| Arapahoe, Colorado | 3 | $ 1,235,000 | $ 411,666 | $ 0 |
| Jefferson, Colorado | 3 | $ 1,205,000 | $ 401,666 | $ 26,000 |
| Hernando, Florida | 3 | $ 495,000 | $ 165,000 | $ 53,000 |
| Hillsborough, Florida | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Marion, Florida | 3 | $ 545,000 | $ 181,666 | $ 103,000 |
| Sarasota, Florida | 3 | $ 465,000 | $ 155,000 | $ 58,000 |
| Lake, Illinois | 3 | $ 795,000 | $ 265,000 | $ 41,000 |
| Will, Illinois | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Frederick, Maryland | 3 | $ 845,000 | $ 281,666 | $ 0 |
| Montgomery, Maryland | 3 | $ 1,245,000 | $ 415,000 | $ 0 |
| Prentiss, Mississippi | 3 | $ 515,000 | $ 171,666 | $ 63,000 |
| Tippah, Mississippi | 3 | $ 295,000 | $ 98,333 | $ 50,000 |
| Madison, Alabama | 2 | $ 480,000 | $ 240,000 | $ 26,000 |
| Riverside, California | 2 | $ 830,000 | $ 415,000 | $ 0 |
| San Bernardino, California | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Solano, California | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Archuleta, Colorado | 2 | $ 790,000 | $ 395,000 | $ 0 |
| Denver, Colorado | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Manatee, Florida | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 420,000 | $ 210,000 | $ 30,000 |
| Orange, Florida | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Fulton, Georgia | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Gwinnett, Georgia | 2 | $ 790,000 | $ 395,000 | $ 64,000 |
| Clinton, Illinois | 2 | $ 150,000 | $ 75,000 | $ 36,000 |
| DuPage, Illinois | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Jersey, Illinois | 2 | $ 350,000 | $ 175,000 | $ 69,000 |
| Worcester, Maryland | 2 | $ 700,000 | $ 350,000 | $ 0 |
| Alcorn, Mississippi | 2 | $ 480,000 | $ 240,000 | $ 116,000 |
| Lafayette, Mississippi | 2 | $ 360,000 | $ 180,000 | $ 64,000 |
| Jackson, Missouri | 2 | $ 610,000 | $ 305,000 | $ 0 |
| St. Charles, Missouri | 2 | $ 860,000 | $ 430,000 | $ 96,000 |
| Henry, Alabama | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 485,000 | $ 485,000 | $ 119,000 |
| Montgomery, Alabama | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Shelby, Alabama | 1 | $ 485,000 | $ 485,000 | $ 170,000 |
| Pulaski, Arkansas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Saline, Arkansas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Scott, Arkansas | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Washington, Arkansas | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Contra Costa, California | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Fresno, California | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Kern, California | 1 | $ 375,000 | $ 375,000 | $ 245,000 |
| Napa, California | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Orange, California | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Ventura, California | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Park, Colorado | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Weld, Colorado | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Bay, Florida | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Brevard, Florida | 1 | $ 255,000 | $ 255,000 | $ 314,000 |
| Broward, Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Clay, Florida | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Collier, Florida | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Duval, Florida | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 405,000 | $ 405,000 | $ 89,000 |
| Polk, Florida | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Chatham, Georgia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Henry, Georgia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Newton, Georgia | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Paulding, Georgia | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Calhoun, Illinois | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Champaign, Illinois | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Grundy, Illinois | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Johnson, Illinois | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| Kane, Illinois | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Randolph, Illinois | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Washington, Illinois | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Calvert, Maryland | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Cecil, Maryland | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Queen Anne's, Maryland | 1 | $ 235,000 | $ 235,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Washington, Maryland | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Hinds, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Lamar, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Madison, Mississippi | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Monroe, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Perry, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 75,000 |
| Rankin, Mississippi | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Tate, Mississippi | 1 | $ 285,000 | $ 285,000 | $ 32,000 |
| Union, Mississippi | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Bollinger, Missouri | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Johnson, Missouri | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Taney, Missouri | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Bedford, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Jefferson, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 137,000 |
| Knox, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 0 |
| McMinn, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Washington, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 0 |
Mortgage Loan Application Detail Totals for American Home Lending USA, LLC in 2019
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 Purchase | 227 | $50,755,000 | $223,000 | $825,000 | $69,000 | $314,000 |
| Refinancing | 128 | $44,420,000 | $347,000 | $695,000 | $3,000 | $120,000 |
| Cash-out Refinancing | 23 | $6,055,000 | $263,000 | $515,000 | $88,000 | $271,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 269 | $68,495,000 | $254,000 | $635,000 | $56,000 | $314,000 |
| Black or African American | 74 | $21,440,000 | $289,000 | $695,000 | $23,000 | $181,000 |
| Hispanic | 21 | $6,425,000 | $305,000 | $655,000 | $26,000 | $112,000 |
| Not Provided | 8 | $3,050,000 | $381,000 | $485,000 | $56,000 | $271,000 |
| Asian | 4 | $1,300,000 | $325,000 | $825,000 | $108,000 | $240,000 |
| American Indian or Alaskan Native | 2 | $520,000 | $260,000 | $435,000 | $23,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| VA-guaranteed (Veterans Administration) | 194 | $65,720,000 | $338,000 | $825,000 | $12,000 | $192,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 147 | $30,645,000 | $208,000 | $485,000 | $94,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $4,610,000 | $128,000 | $245,000 | $49,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 1 | $255,000 | $255,000 | $255,000 | $73,000 | $73,000 |
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 | 274 | $73,730,000 | $269,000 | $825,000 | $51,000 | $314,000 |
| Application Withdrawn By Applicant | 76 | $19,520,000 | $256,000 | $535,000 | $34,000 | $204,000 |
| Application Denied By Financial Institution | 25 | $7,195,000 | $287,000 | $645,000 | $52,000 | $271,000 |
| File Closed For Incompleteness | 2 | $580,000 | $290,000 | $335,000 | $19,000 | $38,000 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $96,000 | $96,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 353 | $94,035,000 | $266,000 | $825,000 | $48,000 | $314,000 |
| Credit History | 7 | $1,995,000 | $285,000 | $645,000 | $52,000 | $180,000 |
| Unverifiable Information | 7 | $2,215,000 | $316,000 | $445,000 | $18,000 | $66,000 |
| Debt-To-Income Ratio | 6 | $1,610,000 | $268,000 | $415,000 | $82,000 | $271,000 |
| Other | 2 | $490,000 | $245,000 | $315,000 | $61,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $405,000 | $405,000 | $405,000 | $163,000 | $163,000 |
| Collateral | 1 | $145,000 | $145,000 | $145,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 1 | $335,000 | $335,000 | $335,000 | $0 | $0 |
| Employment History | 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 Home Lending USA, LLC's 2019 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 Home Lending USA, LLC'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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