American Home Loans Mortgage Lending & HMDA Data, 2003

In 2003, American Home Loans of Irvine, CA reported 7,494 mortgage applications totaling $1.4 billion. The average application was for $186,475, and applicants reported an average income of $78,556. 49% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach, CA (1,499), Riverside-San Bernardino, CA (963) and Orange County, CA (734) (applications in parentheses).

Mortgage Company & Address American Home Loans
17991 Cowan
Irvine, CA 92614
Tel #: available with data download
Federal Regulator * available with data download
Years 2006  2005  2004  2003  
Total Number of Mortgage Applications 7,494
Total Mortgage Loan Application Amount $1,397,450,000
Average Mortgage Loan Application Amount $186,475
Highest Mortgage Loan Application Amount $2,900,000
Average Applicant Income $78,556
Highest Applicant Income $3,356,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Home Loans by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 1,499 $ 291,015,000 $ 194,139 $ 85,000
Orange, California 734 $ 197,214,000 $ 268,683 $ 90,000
San Bernardino, California 495 $ 75,609,000 $ 152,745 $ 87,000
Riverside, California 468 $ 78,493,000 $ 167,720 $ 68,000
San Diego, California 383 $ 80,768,000 $ 210,882 $ 71,000
Clark, Nevada 235 $ 36,319,000 $ 154,548 $ 72,000
Sacramento, California 130 $ 22,286,000 $ 171,430 $ 63,000
Santa Clara, California 124 $ 33,086,000 $ 266,822 $ 107,000
Alameda, California 116 $ 27,891,000 $ 240,439 $ 87,000
Cook, Illinois 115 $ 18,423,000 $ 160,200 $ 61,000
Maricopa, Arizona 111 $ 16,286,000 $ 146,720 $ 61,000
Contra Costa, California 101 $ 21,439,000 $ 212,267 $ 82,000
Ventura, California 94 $ 20,739,000 $ 220,627 $ 81,000
San Joaquin, California 61 $ 10,696,000 $ 175,344 $ 67,000
Placer, California 60 $ 12,440,000 $ 207,333 $ 69,000
San Mateo, California 55 $ 14,820,000 $ 269,454 $ 64,000
Monterey, California 51 $ 12,819,000 $ 251,352 $ 76,000
Solano, California 45 $ 8,954,000 $ 198,977 $ 85,000
Kern, California 44 $ 4,332,000 $ 98,454 $ 68,000
Sonoma, California 37 $ 7,797,000 $ 210,729 $ 97,000
Cheboygan, Michigan 36 $ 3,245,000 $ 90,138 $ 59,000
Wayne, Michigan 34 $ 3,331,000 $ 97,970 $ 67,000
Palm Beach, Florida 33 $ 5,350,000 $ 162,121 $ 92,000
Mohave, Arizona 32 $ 3,037,000 $ 94,906 $ 72,000
Pierce, Washington 31 $ 3,183,000 $ 102,677 $ 92,000
Broward, Florida 30 $ 5,259,000 $ 175,300 $ 91,000
Stanislaus, California 28 $ 4,833,000 $ 172,607 $ 54,000
Miami-Dade, Florida 28 $ 4,962,000 $ 177,214 $ 81,000
Orange, Florida 28 $ 3,661,000 $ 130,750 $ 61,000
King, Washington 27 $ 4,893,000 $ 181,222 $ 78,000
Kings, New York 26 $ 7,452,000 $ 286,615 $ 90,000
Fresno, California 25 $ 3,396,000 $ 135,840 $ 62,000
Prince George's, Maryland 25 $ 3,949,000 $ 157,960 $ 82,000
Hennepin, Minnesota 25 $ 4,484,000 $ 179,360 $ 65,000
Nassau, New York 25 $ 5,451,000 $ 218,040 $ 64,000
Santa Barbara, California 24 $ 4,406,000 $ 183,583 $ 81,000
Multnomah, Oregon 24 $ 2,992,000 $ 124,666 $ 64,000
Santa Cruz, California 22 $ 5,853,000 $ 266,045 $ 85,000
Jackson, Oregon 22 $ 3,332,000 $ 151,454 $ 79,000
Salt Lake, Utah 22 $ 3,760,000 $ 170,909 $ 56,000
San Francisco, California 21 $ 8,673,000 $ 413,000 $ 121,000
Montgomery, Maryland 21 $ 4,934,000 $ 234,952 $ 89,000
Franklin, Ohio 21 $ 2,246,000 $ 106,952 $ 41,000
Washoe, Nevada 20 $ 4,003,000 $ 200,150 $ 221,000
Allegheny, Pennsylvania 20 $ 2,284,000 $ 114,200 $ 79,000
San Luis Obispo, California 19 $ 3,606,000 $ 189,789 $ 69,000
Honolulu, Hawaii 19 $ 5,770,000 $ 303,684 $ 79,000
Howell, Missouri 19 $ 1,306,000 $ 68,736 $ 35,000
Richmond, New York 19 $ 4,720,000 $ 248,421 $ 68,000
Maui, Hawaii 18 $ 4,187,000 $ 232,611 $ 95,000
Hillsborough, Florida 16 $ 1,665,000 $ 104,062 $ 70,000
Lake, Indiana 16 $ 1,936,000 $ 121,000 $ 49,000
Queens, New York 16 $ 3,374,000 $ 210,875 $ 73,000
Adams, Colorado 15 $ 2,137,000 $ 142,466 $ 114,000
Clackamas, Oregon 15 $ 3,115,000 $ 207,666 $ 89,000
Washington, Oregon 15 $ 3,189,000 $ 212,600 $ 103,000
Snohomish, Washington 15 $ 1,995,000 $ 133,000 $ 137,000
Merced, California 14 $ 1,836,000 $ 131,142 $ 44,000
Yolo, California 14 $ 2,765,000 $ 197,500 $ 126,000
Brevard, Florida 14 $ 1,649,000 $ 117,785 $ 81,000
Volusia, Florida 14 $ 2,176,000 $ 155,428 $ 74,000
Oakland, Michigan 14 $ 3,100,000 $ 221,428 $ 88,000
Pima, Arizona 13 $ 2,672,000 $ 205,538 $ 95,000
Pinal, Arizona 13 $ 1,000,000 $ 76,923 $ 76,000
Fairfield, Connecticut 13 $ 2,022,000 $ 155,538 $ 62,000
Marion, Indiana 13 $ 1,529,000 $ 117,615 $ 73,000
Pinellas, Florida 12 $ 2,319,000 $ 193,250 $ 110,000
Polk, Florida 12 $ 1,221,000 $ 101,750 $ 47,000
Seminole, Florida 12 $ 1,615,000 $ 134,583 $ 65,000
Hawaii, Hawaii 12 $ 1,641,000 $ 136,750 $ 60,000
Dakota, Minnesota 12 $ 1,901,000 $ 158,416 $ 68,000
Suffolk, New York 12 $ 2,574,000 $ 214,500 $ 59,000
Marion, Oregon 12 $ 1,105,000 $ 92,083 $ 67,000
El Dorado, California 11 $ 2,210,000 $ 200,909 $ 91,000
Baltimore, Maryland 11 $ 1,560,000 $ 141,818 $ 86,000
Ramsey, Minnesota 11 $ 1,484,000 $ 134,909 $ 76,000
St. Louis, Missouri 11 $ 1,740,000 $ 158,181 $ 50,000
Lane, Oregon 11 $ 1,238,000 $ 112,545 $ 61,000
Yavapai, Arizona 10 $ 888,000 $ 88,800 $ 53,000
Napa, California 10 $ 2,714,000 $ 271,400 $ 96,000
San Benito, California 10 $ 2,099,000 $ 209,900 $ 76,000
Tulare, California 10 $ 961,000 $ 96,100 $ 62,000
Jefferson, Colorado 10 $ 2,462,000 $ 246,200 $ 89,000
Duval, Florida 10 $ 1,149,000 $ 114,900 $ 40,000
Escambia, Florida 10 $ 1,199,000 $ 119,900 $ 55,000
Flagler, Florida 10 $ 1,320,000 $ 132,000 $ 73,000
Pasco, Florida 10 $ 781,000 $ 78,100 $ 35,000
Sarasota, Florida 10 $ 1,370,000 $ 137,000 $ 55,000
Montgomery, Pennsylvania 10 $ 3,040,000 $ 304,000 $ 175,000
Fairfax, Virginia 10 $ 2,517,000 $ 251,700 $ 204,000
Mendocino, California 9 $ 1,853,000 $ 205,888 $ 86,000
Arapahoe, Colorado 9 $ 1,400,000 $ 155,555 $ 56,000
El Paso, Colorado 9 $ 961,000 $ 106,777 $ 60,000
District of Columbia, District Of Columbia 9 $ 1,685,000 $ 187,222 $ 96,000
Kauai, Hawaii 9 $ 1,662,000 $ 184,666 $ 79,000
Ouachita, Louisiana 9 $ 1,218,000 $ 135,333 $ 41,000
Anoka, Minnesota 9 $ 1,596,000 $ 177,333 $ 74,000
Sherburne, Minnesota 9 $ 1,161,000 $ 129,000 $ 25,000
St. Louis, Minnesota 9 $ 972,000 $ 108,000 $ 75,000
Orange, New York 9 $ 1,481,000 $ 164,555 $ 85,000
Westchester, New York 9 $ 2,391,000 $ 265,666 $ 135,000
Oklahoma, Oklahoma 9 $ 731,000 $ 81,222 $ 54,000
Utah, Utah 9 $ 2,004,000 $ 222,666 $ 70,000
Chesterfield, Virginia 9 $ 1,197,000 $ 133,000 $ 80,000
Madera, California 8 $ 897,000 $ 112,125 $ 35,000
Marin, California 8 $ 3,465,000 $ 433,125 $ 160,000
Mono, California 8 $ 1,507,000 $ 188,375 $ 106,000
Tuolumne, California 8 $ 1,649,000 $ 206,125 $ 85,000
Lee, Florida 8 $ 1,309,000 $ 163,625 $ 81,000
Kent, Michigan 8 $ 1,478,000 $ 184,750 $ 113,000
Douglas, Nebraska 8 $ 913,000 $ 114,125 $ 74,000
Essex, New Jersey 8 $ 2,155,000 $ 269,375 $ 152,000
Gloucester, New Jersey 8 $ 1,121,000 $ 140,125 $ 76,000
Tulsa, Oklahoma 8 $ 674,000 $ 84,250 $ 79,000
Knox, Tennessee 8 $ 769,000 $ 96,125 $ 56,000
Davis, Utah 8 $ 1,942,000 $ 242,750 $ 62,000
Chesapeake, Virginia 8 $ 1,236,000 $ 154,500 $ 64,000
Anchorage, Alaska 7 $ 881,000 $ 125,857 $ 82,000
Manatee, Florida 7 $ 1,145,000 $ 163,571 $ 78,000
Will, Illinois 7 $ 1,141,000 $ 163,000 $ 43,000
Porter, Indiana 7 $ 603,000 $ 86,142 $ 50,000
East Baton Rouge, Louisiana 7 $ 512,000 $ 73,142 $ 95,000
Hillsborough, New Hampshire 7 $ 1,419,000 $ 202,714 $ 73,000
Monmouth, New Jersey 7 $ 1,442,000 $ 206,000 $ 116,000
Ocean, New Jersey 7 $ 1,415,000 $ 202,142 $ 92,000
Linn, Oregon 7 $ 954,000 $ 136,285 $ 66,000
Monroe, Pennsylvania 7 $ 1,095,000 $ 156,428 $ 76,000
Westmoreland, Pennsylvania 7 $ 913,000 $ 130,428 $ 53,000
Washington, Utah 7 $ 814,000 $ 116,285 $ 17,000
Milwaukee, Wisconsin 7 $ 453,000 $ 64,714 $ 40,000
Butte, California 6 $ 690,000 $ 115,000 $ 16,000
Lake, California 6 $ 1,045,000 $ 174,166 $ 57,000
Martin, Florida 6 $ 1,006,000 $ 167,666 $ 39,000
Monroe, Florida 6 $ 2,100,000 $ 350,000 $ 394,000
St. Lucie, Florida 6 $ 844,000 $ 140,666 $ 100,000
Lake, Illinois 6 $ 1,085,000 $ 180,833 $ 98,000
Berrien, Michigan 6 $ 379,000 $ 63,166 $ 54,000
Macomb, Michigan 6 $ 931,000 $ 155,166 $ 85,000
Dona Ana, New Mexico 6 $ 760,000 $ 126,666 $ 80,000
Bronx, New York 6 $ 1,616,000 $ 269,333 $ 116,000
Guilford, North Carolina 6 $ 417,000 $ 69,500 $ 35,000
Cleveland, Oklahoma 6 $ 777,000 $ 129,500 $ 88,000
Bucks, Pennsylvania 6 $ 973,000 $ 162,166 $ 75,000
Delaware, Pennsylvania 6 $ 1,349,000 $ 224,833 $ 173,000
Davidson, Tennessee 6 $ 612,000 $ 102,000 $ 52,000
Clark, Washington 6 $ 617,000 $ 102,833 $ 68,000
Yuma, Arizona 5 $ 440,000 $ 88,000 $ 132,000
Nevada, California 5 $ 1,410,000 $ 282,000 $ 141,000
Sutter, California 5 $ 609,000 $ 121,800 $ 61,000
Denver, Colorado 5 $ 934,000 $ 186,800 $ 65,000
Pueblo, Colorado 5 $ 270,000 $ 54,000 $ 60,000
Alachua, Florida 5 $ 662,000 $ 132,400 $ 41,000
Marion, Florida 5 $ 522,000 $ 104,400 $ 43,000
St. Johns, Florida 5 $ 1,269,000 $ 253,800 $ 83,000
Hamilton, Indiana 5 $ 1,180,000 $ 236,000 $ 76,000
Johnson, Indiana 5 $ 1,045,000 $ 209,000 $ 84,000
Anne Arundel, Maryland 5 $ 1,665,000 $ 333,000 $ 214,000
Baltimore City, Maryland 5 $ 294,000 $ 58,800 $ 89,000
St. Clair, Michigan 5 $ 231,000 $ 46,200 $ 68,000
Washington, Minnesota 5 $ 1,614,000 $ 322,800 $ 43,000
Lancaster, Nebraska 5 $ 498,000 $ 99,600 $ 53,000
Nye, Nevada 5 $ 631,000 $ 126,200 $ 40,000
Rockingham, New Hampshire 5 $ 1,180,000 $ 236,000 $ 118,000
Burlington, New Jersey 5 $ 752,000 $ 150,400 $ 66,000
Middlesex, New Jersey 5 $ 966,000 $ 193,200 $ 89,000
Passaic, New Jersey 5 $ 811,000 $ 162,200 $ 79,000
Bernalillo, New Mexico 5 $ 840,000 $ 168,000 $ 95,000
Erie, New York 5 $ 447,000 $ 89,400 $ 40,000
Monroe, New York 5 $ 348,000 $ 69,600 $ 39,000
New Hanover, North Carolina 5 $ 590,000 $ 118,000 $ 95,000
Wake, North Carolina 5 $ 1,118,000 $ 223,600 $ 119,000
Cuyahoga, Ohio 5 $ 473,000 $ 94,600 $ 64,000
Clatsop, Oregon 5 $ 690,000 $ 138,000 $ 92,000
Kitsap, Washington 5 $ 1,395,000 $ 279,000 $ 41,000
Coconino, Arizona 4 $ 598,000 $ 149,500 $ 121,000
Amador, California 4 $ 814,000 $ 203,500 $ 84,000
Colusa, California 4 $ 418,000 $ 104,500 $ 83,000
Shasta, California 4 $ 795,000 $ 198,750 $ 87,000
Boulder, Colorado 4 $ 913,000 $ 228,250 $ 127,000
Hartford, Connecticut 4 $ 1,275,000 $ 318,750 $ 50,000
New Haven, Connecticut 4 $ 397,000 $ 99,250 $ 74,000
New Castle, Delaware 4 $ 491,000 $ 122,750 $ 33,000
Leon, Florida 4 $ 430,000 $ 107,500 $ 46,000
Nassau, Florida 4 $ 605,000 $ 151,250 $ 30,000
DuPage, Illinois 4 $ 838,000 $ 209,500 $ 61,000
Vanderburgh, Indiana 4 $ 285,000 $ 71,250 $ 49,000
Carroll, Maryland 4 $ 1,016,000 $ 254,000 $ 100,000
Howard, Maryland 4 $ 600,000 $ 150,000 $ 66,000
Wicomico, Maryland 4 $ 224,000 $ 56,000 $ 32,000
Middlesex, Massachusetts 4 $ 1,019,000 $ 254,750 $ 128,000
Washtenaw, Michigan 4 $ 749,000 $ 187,250 $ 69,000
Olmsted, Minnesota 4 $ 495,000 $ 123,750 $ 72,000
St. Charles, Missouri 4 $ 614,000 $ 153,500 $ 58,000
Carson City, Nevada 4 $ 621,000 $ 155,250 $ 56,000
Morris, New Jersey 4 $ 1,218,000 $ 304,500 $ 107,000
Santa Fe, New Mexico 4 $ 432,000 $ 108,000 $ 49,000
Dutchess, New York 4 $ 900,000 $ 225,000 $ 104,000
Brunswick, North Carolina 4 $ 1,142,000 $ 285,500 $ 114,000
Montgomery, Ohio 4 $ 304,000 $ 76,000 $ 85,000
Klamath, Oregon 4 $ 335,000 $ 83,750 $ 50,000
Northampton, Pennsylvania 4 $ 1,000,000 $ 250,000 $ 143,000
Philadelphia, Pennsylvania 4 $ 404,000 $ 101,000 $ 46,000
Washington, Pennsylvania 4 $ 441,000 $ 110,250 $ 38,000
Weber, Utah 4 $ 309,000 $ 77,250 $ 33,000
Loudoun, Virginia 4 $ 1,044,000 $ 261,000 $ 85,000
Norfolk, Virginia 4 $ 659,000 $ 164,750 $ 105,000
Prince William, Virginia 4 $ 671,000 $ 167,750 $ 84,000
Spokane, Washington 4 $ 420,000 $ 105,000 $ 46,000
Kenosha, Wisconsin 4 $ 618,000 $ 154,500 $ 65,000
Calaveras, California 3 $ 456,000 $ 152,000 $ 99,000
Del Norte, California 3 $ 252,000 $ 84,000 $ 66,000
Tehama, California 3 $ 449,000 $ 149,666 $ 155,000
Mesa, Colorado 3 $ 421,000 $ 140,333 $ 59,000
New London, Connecticut 3 $ 448,000 $ 149,333 $ 95,000
Tolland, Connecticut 3 $ 261,000 $ 87,000 $ 53,000
Charlotte, Florida 3 $ 385,000 $ 128,333 $ 40,000
Collier, Florida 3 $ 553,000 $ 184,333 $ 69,000
Indian River, Florida 3 $ 371,000 $ 123,666 $ 64,000
Okaloosa, Florida 3 $ 444,000 $ 148,000 $ 75,000
Osceola, Florida 3 $ 383,000 $ 127,666 $ 25,000
Kane, Illinois 3 $ 533,000 $ 177,666 $ 120,000
McHenry, Illinois 3 $ 339,000 $ 113,000 $ 41,000
Hardin, Kentucky 3 $ 206,000 $ 68,666 $ 47,000
Jefferson, Louisiana 3 $ 523,000 $ 174,333 $ 107,000
Orleans, Louisiana 3 $ 465,000 $ 155,000 $ 22,000
Androscoggin, Maine 3 $ 297,000 $ 99,000 $ 96,000
Cumberland, Maine 3 $ 517,000 $ 172,333 $ 30,000
York, Maine 3 $ 610,000 $ 203,333 $ 62,000
Harford, Maryland 3 $ 531,000 $ 177,000 $ 75,000
Calhoun, Michigan 3 $ 570,000 $ 190,000 $ 100,000
Ingham, Michigan 3 $ 341,000 $ 113,666 $ 47,000
Livingston, Michigan 3 $ 532,000 $ 177,333 $ 61,000
Scott, Minnesota 3 $ 541,000 $ 180,333 $ 24,000
Wright, Minnesota 3 $ 486,000 $ 162,000 $ 48,000
St. Louis City, Missouri 3 $ 393,000 $ 131,000 $ 18,000
Sarpy, Nebraska 3 $ 364,000 $ 121,333 $ 57,000
Grafton, New Hampshire 3 $ 391,000 $ 130,333 $ 59,000
Atlantic, New Jersey 3 $ 670,000 $ 223,333 $ 85,000
Bergen, New Jersey 3 $ 1,150,000 $ 383,333 $ 99,000
Camden, New Jersey 3 $ 351,000 $ 117,000 $ 33,000
Union, New Jersey 3 $ 494,000 $ 164,666 $ 97,000
Chaves, New Mexico 3 $ 184,000 $ 61,333 $ 75,000
Albany, New York 3 $ 660,000 $ 220,000 $ 133,000
Oneida, New York 3 $ 510,000 $ 170,000 $ 84,000
Rockland, New York 3 $ 665,000 $ 221,666 $ 154,000
Licking, Ohio 3 $ 218,000 $ 72,666 $ 29,000
McClain, Oklahoma 3 $ 358,000 $ 119,333 $ 66,000
Benton, Oregon 3 $ 571,000 $ 190,333 $ 66,000
Deschutes, Oregon 3 $ 782,000 $ 260,666 $ 113,000
Douglas, Oregon 3 $ 373,000 $ 124,333 $ 56,000
Wasco, Oregon 3 $ 303,000 $ 101,000 $ 44,000
Yamhill, Oregon 3 $ 462,000 $ 154,000 $ 65,000
Luzerne, Pennsylvania 3 $ 380,000 $ 126,666 $ 77,000
Montgomery, Tennessee 3 $ 136,000 $ 45,333 $ 480,000
Tarrant, Texas 3 $ 344,000 $ 114,666 $ 68,000
Arlington, Virginia 3 $ 642,000 $ 214,000 $ 129,000
Virginia Beach, Virginia 3 $ 614,000 $ 204,666 $ 73,000
Thurston, Washington 3 $ 288,000 $ 96,000 $ 44,000
Fairbanks North Star, Alaska 2 $ 172,000 $ 86,000 $ 94,000
Cochise, Arizona 2 $ 312,000 $ 156,000 $ 90,000
La Paz, Arizona 2 $ 926,000 $ 463,000 $ 383,000
Fulton, Arkansas 2 $ 86,000 $ 43,000 $ 52,000
Humboldt, California 2 $ 378,000 $ 189,000 $ 33,000
Imperial, California 2 $ 74,000 $ 37,000 $ 83,000
Kings, California 2 $ 180,000 $ 90,000 $ 75,000
Mariposa, California 2 $ 237,000 $ 118,500 $ 47,000
Douglas, Colorado 2 $ 512,000 $ 256,000 $ 78,000
Elbert, Colorado 2 $ 723,000 $ 361,500 $ 101,000
La Plata, Colorado 2 $ 320,000 $ 160,000 $ 69,000
Larimer, Colorado 2 $ 520,000 $ 260,000 $ 32,000
Montrose, Colorado 2 $ 219,000 $ 109,500 $ 81,000
Pitkin, Colorado 2 $ 430,000 $ 215,000 $ 112,000
San Miguel, Colorado 2 $ 168,000 $ 84,000 $ 300,000
Litchfield, Connecticut 2 $ 409,000 $ 204,500 $ 96,000
Kent, Delaware 2 $ 182,000 $ 91,000 $ 46,000
Sussex, Delaware 2 $ 153,000 $ 76,500 $ 60,000
Clay, Florida 2 $ 284,000 $ 142,000 $ 71,000
Columbia, Florida 2 $ 247,000 $ 123,500 $ 39,000
Hernando, Florida 2 $ 177,000 $ 88,500 $ 32,000
Lake, Florida 2 $ 100,000 $ 50,000 $ 30,000
Walton, Florida 2 $ 350,000 $ 175,000 $ 67,000
Ada, Idaho 2 $ 184,000 $ 92,000 $ 39,000
LaSalle, Illinois 2 $ 300,000 $ 150,000 $ 18,000
Bartholomew, Indiana 2 $ 351,000 $ 175,500 $ 118,000
Delaware, Indiana 2 $ 129,000 $ 64,500 $ 34,000
Franklin, Indiana 2 $ 210,000 $ 105,000 $ 69,000
Owen, Indiana 2 $ 75,000 $ 37,500 $ 65,000
Carter, Kentucky 2 $ 101,000 $ 50,500 $ 0
Fayette, Kentucky 2 $ 170,000 $ 85,000 $ 53,000
Jefferson, Kentucky 2 $ 185,000 $ 92,500 $ 66,000
Caddo, Louisiana 2 $ 160,000 $ 80,000 $ 45,000
Calcasieu, Louisiana 2 $ 223,000 $ 111,500 $ 49,000
Livingston, Louisiana 2 $ 105,000 $ 52,500 $ 42,000
Rapides, Louisiana 2 $ 218,000 $ 109,000 $ 38,000
Richland, Louisiana 2 $ 142,000 $ 71,000 $ 27,000
Hancock, Maine 2 $ 1,372,000 $ 686,000 $ 23,000
Knox, Maine 2 $ 280,000 $ 140,000 $ 45,000
Cecil, Maryland 2 $ 258,000 $ 129,000 $ 62,000
Charles, Maryland 2 $ 291,000 $ 145,500 $ 75,000
Frederick, Maryland 2 $ 221,000 $ 110,500 $ 88,000
Genesee, Michigan 2 $ 313,000 $ 156,500 $ 80,000
Gladwin, Michigan 2 $ 379,000 $ 189,500 $ 82,000
Ottawa, Michigan 2 $ 125,000 $ 62,500 $ 74,000
Clay, Minnesota 2 $ 86,000 $ 43,000 $ 82,000
Polk, Minnesota 2 $ 252,000 $ 126,000 $ 46,000
Rice, Minnesota 2 $ 623,000 $ 311,500 $ 147,000
Greene, Missouri 2 $ 108,000 $ 54,000 $ 58,000
Pulaski, Missouri 2 $ 122,000 $ 61,000 $ 48,000
Shannon, Missouri 2 $ 97,000 $ 48,500 $ 43,000
Flathead, Montana 2 $ 137,000 $ 68,500 $ 60,000
Seward, Nebraska 2 $ 393,000 $ 196,500 $ 67,000
Douglas, Nevada 2 $ 335,000 $ 167,500 $ 64,000
Elko, Nevada 2 $ 166,000 $ 83,000 $ 131,000
Lyon, Nevada 2 $ 227,000 $ 113,500 $ 53,000
Hunterdon, New Jersey 2 $ 795,000 $ 397,500 $ 96,000
Mercer, New Jersey 2 $ 453,000 $ 226,500 $ 106,000
Somerset, New Jersey 2 $ 270,000 $ 135,000 $ 128,000
Eddy, New Mexico 2 $ 270,000 $ 135,000 $ 82,000
Los Alamos, New Mexico 2 $ 259,000 $ 129,500 $ 144,000
Sandoval, New Mexico 2 $ 230,000 $ 115,000 $ 81,000
Valencia, New Mexico 2 $ 341,000 $ 170,500 $ 92,000
Chautauqua, New York 2 $ 121,000 $ 60,500 $ 29,000
Cortland, New York 2 $ 198,000 $ 99,000 $ 74,000
Onondaga, New York 2 $ 178,000 $ 89,000 $ 118,000
Saratoga, New York 2 $ 380,000 $ 190,000 $ 137,000
St. Lawrence, New York 2 $ 176,000 $ 88,000 $ 58,000
Cabarrus, North Carolina 2 $ 342,000 $ 171,000 $ 63,000
Mecklenburg, North Carolina 2 $ 217,000 $ 108,500 $ 49,000
Cass, North Dakota 2 $ 155,000 $ 77,500 $ 114,000
Holmes, Ohio 2 $ 195,000 $ 97,500 $ 47,000
Warren, Ohio 2 $ 591,000 $ 295,500 $ 111,000
Comanche, Oklahoma 2 $ 156,000 $ 78,000 $ 81,000
Creek, Oklahoma 2 $ 737,000 $ 368,500 $ 144,000
Muskogee, Oklahoma 2 $ 224,000 $ 112,000 $ 60,000
Coos, Oregon 2 $ 271,000 $ 135,500 $ 65,000
Hood River, Oregon 2 $ 245,000 $ 122,500 $ 178,000
Josephine, Oregon 2 $ 277,000 $ 138,500 $ 32,000
Lincoln, Oregon 2 $ 307,000 $ 153,500 $ 61,000
Polk, Oregon 2 $ 363,000 $ 181,500 $ 54,000
Armstrong, Pennsylvania 2 $ 342,000 $ 171,000 $ 83,000
Beaver, Pennsylvania 2 $ 209,000 $ 104,500 $ 95,000
Butler, Pennsylvania 2 $ 325,000 $ 162,500 $ 88,000
Chester, Pennsylvania 2 $ 276,000 $ 138,000 $ 73,000
Dauphin, Pennsylvania 2 $ 302,000 $ 151,000 $ 68,000
Fayette, Pennsylvania 2 $ 203,000 $ 101,500 $ 57,000
Lycoming, Pennsylvania 2 $ 164,000 $ 82,000 $ 43,000
Pike, Pennsylvania 2 $ 254,000 $ 127,000 $ 94,000
York, Pennsylvania 2 $ 433,000 $ 216,500 $ 155,000
Anderson, South Carolina 2 $ 132,000 $ 66,000 $ 111,000
Greenville, South Carolina 2 $ 194,000 $ 97,000 $ 62,000
Lexington, South Carolina 2 $ 284,000 $ 142,000 $ 64,000
Harris, Texas 2 $ 266,000 $ 133,000 $ 63,000
Albemarle, Virginia 2 $ 330,000 $ 165,000 $ 46,000
Hampton, Virginia 2 $ 222,000 $ 111,000 $ 57,000
Henrico, Virginia 2 $ 285,000 $ 142,500 $ 58,000
Manassas Park, Virginia 2 $ 240,000 $ 120,000 $ 125,000
Douglas, Washington 2 $ 357,000 $ 178,500 $ 73,000
Island, Washington 2 $ 215,000 $ 107,500 $ 45,000
Lewis, Washington 2 $ 224,000 $ 112,000 $ 29,000
Whatcom, Washington 2 $ 398,000 $ 199,000 $ 51,000
Dane, Wisconsin 2 $ 299,000 $ 149,500 $ 63,000
Gila, Arizona 1 $ 19,000 $ 19,000 $ 0
Benton, Arkansas 1 $ 169,000 $ 169,000 $ 139,000
Hempstead, Arkansas 1 $ 51,000 $ 51,000 $ 22,000
Saline, Arkansas 1 $ 73,000 $ 73,000 $ 43,000
Sharp, Arkansas 1 $ 55,000 $ 55,000 $ 29,000
Yell, Arkansas 1 $ 77,000 $ 77,000 $ 40,000
Glenn, California 1 $ 98,000 $ 98,000 $ 44,000
Lassen, California 1 $ 211,000 $ 211,000 $ 169,000
Modoc, California 1 $ 150,000 $ 150,000 $ 59,000
Plumas, California 1 $ 113,000 $ 113,000 $ 51,000
Yuba, California 1 $ 57,000 $ 57,000 $ 42,000
Eagle, Colorado 1 $ 800,000 $ 800,000 $ 257,000
Garfield, Colorado 1 $ 910,000 $ 910,000 $ 240,000
Weld, Colorado 1 $ 109,000 $ 109,000 $ 45,000
Bay, Florida 1 $ 131,000 $ 131,000 $ 29,000
Citrus, Florida 1 $ 112,000 $ 112,000 $ 34,000
Hamilton, Florida 1 $ 42,000 $ 42,000 $ 9,000
Highlands, Florida 1 $ 120,000 $ 120,000 $ 32,000
Santa Rosa, Florida 1 $ 142,000 $ 142,000 $ 55,000
Sumter, Florida 1 $ 109,000 $ 109,000 $ 39,000
Suwannee, Florida 1 $ 72,000 $ 72,000 $ 78,000
Pickens, Georgia 1 $ 235,000 $ 235,000 $ 86,000
Bonner, Idaho 1 $ 153,000 $ 153,000 $ 32,000
Kootenai, Idaho 1 $ 103,000 $ 103,000 $ 51,000
Payette, Idaho 1 $ 120,000 $ 120,000 $ 160,000
Teton, Idaho 1 $ 106,000 $ 106,000 $ 31,000
Bureau, Illinois 1 $ 82,000 $ 82,000 $ 74,000
Jackson, Illinois 1 $ 38,000 $ 38,000 $ 20,000
Jefferson, Illinois 1 $ 60,000 $ 60,000 $ 26,000
Kankakee, Illinois 1 $ 229,000 $ 229,000 $ 90,000
Macon, Illinois 1 $ 105,000 $ 105,000 $ 90,000
Madison, Illinois 1 $ 189,000 $ 189,000 $ 120,000
Marion, Illinois 1 $ 140,000 $ 140,000 $ 76,000
McDonough, Illinois 1 $ 162,000 $ 162,000 $ 0
McLean, Illinois 1 $ 530,000 $ 530,000 $ 192,000
Mercer, Illinois 1 $ 83,000 $ 83,000 $ 76,000
Monroe, Illinois 1 $ 163,000 $ 163,000 $ 61,000
Ogle, Illinois 1 $ 105,000 $ 105,000 $ 45,000
Sangamon, Illinois 1 $ 130,000 $ 130,000 $ 78,000
St. Clair, Illinois 1 $ 185,000 $ 185,000 $ 81,000
Union, Illinois 1 $ 109,000 $ 109,000 $ 41,000
Williamson, Illinois 1 $ 56,000 $ 56,000 $ 82,000
Winnebago, Illinois 1 $ 113,000 $ 113,000 $ 77,000
Allen, Indiana 1 $ 80,000 $ 80,000 $ 48,000
Cass, Indiana 1 $ 50,000 $ 50,000 $ 24,000
Clark, Indiana 1 $ 138,000 $ 138,000 $ 58,000
Elkhart, Indiana 1 $ 102,000 $ 102,000 $ 0
Hendricks, Indiana 1 $ 136,000 $ 136,000 $ 79,000
Henry, Indiana 1 $ 624,000 $ 624,000 $ 288,000
Huntington, Indiana 1 $ 176,000 $ 176,000 $ 102,000
Jennings, Indiana 1 $ 60,000 $ 60,000 $ 28,000
LaPorte, Indiana 1 $ 198,000 $ 198,000 $ 80,000
Monroe, Indiana 1 $ 68,000 $ 68,000 $ 76,000
Morgan, Indiana 1 $ 55,000 $ 55,000 $ 17,000
Putnam, Indiana 1 $ 74,000 $ 74,000 $ 48,000
St. Joseph, Indiana 1 $ 54,000 $ 54,000 $ 20,000
Washington, Indiana 1 $ 76,000 $ 76,000 $ 95,000
Wells, Indiana 1 $ 25,000 $ 25,000 $ 50,000
Whitley, Indiana 1 $ 117,000 $ 117,000 $ 48,000
Appanoose, Iowa 1 $ 118,000 $ 118,000 $ 62,000
Iowa, Iowa 1 $ 105,000 $ 105,000 $ 75,000
Linn, Iowa 1 $ 210,000 $ 210,000 $ 36,000
Tama, Iowa 1 $ 57,000 $ 57,000 $ 17,000
Reno, Kansas 1 $ 72,000 $ 72,000 $ 19,000
Nicholas, Kentucky 1 $ 106,000 $ 106,000 $ 76,000
Trimble, Kentucky 1 $ 127,000 $ 127,000 $ 43,000
Jefferson Davis, Louisiana 1 $ 115,000 $ 115,000 $ 0
Lafayette, Louisiana 1 $ 110,000 $ 110,000 $ 60,000
Terrebonne, Louisiana 1 $ 78,000 $ 78,000 $ 24,000
Washington, Louisiana 1 $ 104,000 $ 104,000 $ 98,000
Webster, Louisiana 1 $ 64,000 $ 64,000 $ 28,000
West Feliciana, Louisiana 1 $ 280,000 $ 280,000 $ 0
Lincoln, Maine 1 $ 169,000 $ 169,000 $ 89,000
Penobscot, Maine 1 $ 123,000 $ 123,000 $ 43,000
Washington, Maine 1 $ 58,000 $ 58,000 $ 36,000
Calvert, Maryland 1 $ 179,000 $ 179,000 $ 132,000
Queen Anne's, Maryland 1 $ 180,000 $ 180,000 $ 60,000
St. Mary's, Maryland 1 $ 210,000 $ 210,000 $ 83,000
Plymouth, Massachusetts 1 $ 275,000 $ 275,000 $ 110,000
Worcester, Massachusetts 1 $ 300,000 $ 300,000 $ 216,000
Allegan, Michigan 1 $ 144,000 $ 144,000 $ 136,000
Dickinson, Michigan 1 $ 126,000 $ 126,000 $ 55,000
Gogebic, Michigan 1 $ 220,000 $ 220,000 $ 42,000
Jackson, Michigan 1 $ 107,000 $ 107,000 $ 0
Lapeer, Michigan 1 $ 227,000 $ 227,000 $ 102,000
Monroe, Michigan 1 $ 38,000 $ 38,000 $ 40,000
Saginaw, Michigan 1 $ 82,000 $ 82,000 $ 61,000
Shiawassee, Michigan 1 $ 116,000 $ 116,000 $ 0
Aitkin, Minnesota 1 $ 47,000 $ 47,000 $ 50,000
Becker, Minnesota 1 $ 112,000 $ 112,000 $ 48,000
Beltrami, Minnesota 1 $ 190,000 $ 190,000 $ 78,000
Carver, Minnesota 1 $ 160,000 $ 160,000 $ 0
Chisago, Minnesota 1 $ 213,000 $ 213,000 $ 42,000
Cottonwood, Minnesota 1 $ 81,000 $ 81,000 $ 41,000
Freeborn, Minnesota 1 $ 58,000 $ 58,000 $ 55,000
Isanti, Minnesota 1 $ 181,000 $ 181,000 $ 92,000
Jackson, Minnesota 1 $ 96,000 $ 96,000 $ 39,000
Le Sueur, Minnesota 1 $ 118,000 $ 118,000 $ 36,000
Lincoln, Minnesota 1 $ 60,000 $ 60,000 $ 17,000
Mille Lacs, Minnesota 1 $ 178,000 $ 178,000 $ 54,000
Norman, Minnesota 1 $ 40,000 $ 40,000 $ 15,000
Pine, Minnesota 1 $ 132,000 $ 132,000 $ 42,000
Steele, Minnesota 1 $ 135,000 $ 135,000 $ 69,000
Swift, Minnesota 1 $ 55,000 $ 55,000 $ 32,000
Waseca, Minnesota 1 $ 59,000 $ 59,000 $ 45,000
Winona, Minnesota 1 $ 163,000 $ 163,000 $ 40,000
Harrison, Mississippi 1 $ 266,000 $ 266,000 $ 76,000
Rankin, Mississippi 1 $ 108,000 $ 108,000 $ 52,000
Yazoo, Mississippi 1 $ 131,000 $ 131,000 $ 77,000
Audrain, Missouri 1 $ 70,000 $ 70,000 $ 0
Boone, Missouri 1 $ 121,000 $ 121,000 $ 69,000
Butler, Missouri 1 $ 50,000 $ 50,000 $ 49,000
Franklin, Missouri 1 $ 152,000 $ 152,000 $ 39,000
Jackson, Missouri 1 $ 229,000 $ 229,000 $ 93,000
Jasper, Missouri 1 $ 165,000 $ 165,000 $ 71,000
Jefferson, Missouri 1 $ 105,000 $ 105,000 $ 44,000
Lafayette, Missouri 1 $ 124,000 $ 124,000 $ 101,000
Oregon, Missouri 1 $ 65,000 $ 65,000 $ 36,000
Ozark, Missouri 1 $ 60,000 $ 60,000 $ 50,000
Scott, Missouri 1 $ 84,000 $ 84,000 $ 38,000
Shelby, Missouri 1 $ 49,000 $ 49,000 $ 50,000
St. Francois, Missouri 1 $ 128,000 $ 128,000 $ 219,000
Texas, Missouri 1 $ 56,000 $ 56,000 $ 0
Wright, Missouri 1 $ 27,000 $ 27,000 $ 10,000
Roosevelt, Montana 1 $ 24,000 $ 24,000 $ 73,000
Sheridan, Montana 1 $ 53,000 $ 53,000 $ 36,000
Cass, Nebraska 1 $ 145,000 $ 145,000 $ 40,000
Hall, Nebraska 1 $ 122,000 $ 122,000 $ 68,000
Keith, Nebraska 1 $ 191,000 $ 191,000 $ 72,000
Saline, Nebraska 1 $ 59,000 $ 59,000 $ 31,000
Valley, Nebraska 1 $ 73,000 $ 73,000 $ 45,000
Belknap, New Hampshire 1 $ 193,000 $ 193,000 $ 83,000
Merrimack, New Hampshire 1 $ 146,000 $ 146,000 $ 36,000
Cumberland, New Jersey 1 $ 73,000 $ 73,000 $ 41,000
Cibola, New Mexico 1 $ 26,000 $ 26,000 $ 72,000
Curry, New Mexico 1 $ 180,000 $ 180,000 $ 48,000
Lea, New Mexico 1 $ 55,000 $ 55,000 $ 56,000
Otero, New Mexico 1 $ 107,000 $ 107,000 $ 49,000
Quay, New Mexico 1 $ 55,000 $ 55,000 $ 60,000
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Mortgage Loan Application Detail Totals for American Home Loans 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) 3,851 $761,065,000 $155,622 $1,305,000 $76,333 $2,939,000
Home Purchase (one-to-four family) 3,643 $636,385,000 $123,512 $2,900,000 $62,219 $3,356,000
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 3,300 $637,616,000 $142,088 $2,900,000 $72,266 $3,356,000
Hispanic 1,607 $256,969,000 $132,392 $810,000 $67,714 $715,000
Information not provided by applicant in mail or telephone application 1,147 $231,738,000 $166,725 $1,260,000 $81,725 $887,000
Other 493 $94,931,000 $158,700 $929,000 $81,133 $656,000
Black 468 $74,702,000 $122,862 $625,000 $54,620 $410,000
Asian or Pacific Islander 447 $94,597,000 $160,136 $1,180,000 $100,500 $442,000
American Indian or Alaskan Native 32 $6,897,000 $236,500 $646,000 $79,125 $612,000
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) 7,492 $1,397,060,000 $143,458 $2,900,000 $72,020 $3,356,000
FHA-insured (Federal Housing Administration) 2 $390,000 $195,000 $278,000 $37,500 $75,000
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 3,696 $677,358,000 $142,952 $2,900,000 $71,523 $3,356,000
Application Approved But Not Accepted 2,385 $450,911,000 $148,613 $1,388,000 $84,250 $2,939,000
Application Denied By Financial Institution 584 $113,745,000 $157,235 $1,305,000 $67,500 $600,000
Application Withdrawn By Applicant 460 $82,110,000 $164,000 $1,000,000 $71,333 $1,239,000
File Closed For Incompleteness 369 $73,326,000 $153,870 $1,000,000 $65,967 $1,244,000
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
Credit History 227 $44,551,000 $152,200 $972,000 $60,250 $600,000
Other 80 $16,455,000 $191,882 $960,000 $87,470 $410,000
Collateral 63 $9,070,000 $127,733 $636,000 $64,666 $244,000
Debt-To-Income Ratio 47 $8,642,000 $151,833 $665,000 $53,916 $198,000
Unverifiable Information 14 $2,726,000 $253,000 $600,000 $38,250 $150,000
Employment History 9 $2,184,000 $242,000 $735,000 $111,000 $250,000
Credit Application Incomplete 1 $68,000 $68,000 $68,000 $84,000 $84,000
Insufficient Cash (Downpayment, Closing Cost) 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 Loans'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 Home Loans'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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