American Home Loans Mortgage Lending & HMDA Data, 2004

In 2004, American Home Loans of Irvine, CA reported 4,319 mortgage applications totaling $876.7 million, down 42% from 2003. The average application was for $202,977, and applicants reported an average income of $70,208. 38% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (720), Riverside-San Bernardino-Ontario, CA (498) and San Diego-Carlsbad-San Marcos, CA (337) (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 4,319
Total Mortgage Loan Application Amount $876,660,000
Average Mortgage Loan Application Amount $202,977
Highest Mortgage Loan Application Amount $4,000,000
Average Applicant Income $70,208
Highest Applicant Income $1,440,000

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Act (HMDA) records American Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

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 720 $ 157,852,000 $ 219,238 $ 69,000
San Diego, California 337 $ 84,947,000 $ 252,068 $ 78,000
Orange, California 280 $ 84,667,000 $ 302,382 $ 80,000
San Bernardino, California 256 $ 48,046,000 $ 187,679 $ 69,000
Riverside, California 242 $ 51,726,000 $ 213,743 $ 74,000
Clark, Nevada 140 $ 25,678,000 $ 183,414 $ 90,000
Maricopa, Arizona 98 $ 12,844,000 $ 131,061 $ 53,000
Sacramento, California 93 $ 16,813,000 $ 180,784 $ 96,000
Cook, Illinois 89 $ 13,475,000 $ 151,404 $ 57,000
Alameda, California 73 $ 18,977,000 $ 259,958 $ 75,000
Contra Costa, California 66 $ 12,905,000 $ 195,530 $ 53,000
Santa Clara, California 60 $ 18,108,000 $ 301,800 $ 97,000
Ventura, California 42 $ 11,382,000 $ 271,000 $ 77,000
San Joaquin, California 41 $ 8,061,000 $ 196,609 $ 66,000
Imperial, California 37 $ 4,619,000 $ 124,837 $ 54,000
Honolulu, Hawaii 37 $ 10,316,000 $ 278,810 $ 112,000
Suffolk, New York 37 $ 9,149,000 $ 247,270 $ 88,000
Bronx, New York 34 $ 6,764,000 $ 198,941 $ 64,000
San Mateo, California 33 $ 11,248,000 $ 340,848 $ 124,000
Santa Cruz, California 33 $ 8,357,000 $ 253,242 $ 53,000
Hennepin, Minnesota 30 $ 5,224,000 $ 174,133 $ 89,000
Queens, New York 30 $ 8,016,000 $ 267,200 $ 63,000
Nassau, New York 29 $ 8,022,000 $ 276,620 $ 75,000
Kings, New York 28 $ 6,946,000 $ 248,071 $ 49,000
Prince George's, Maryland 26 $ 5,592,000 $ 215,076 $ 110,000
Arapahoe, Colorado 25 $ 2,971,000 $ 118,840 $ 43,000
Broward, Florida 24 $ 4,520,000 $ 188,333 $ 76,000
Monterey, California 23 $ 5,294,000 $ 230,173 $ 81,000
El Paso, Colorado 23 $ 2,841,000 $ 123,521 $ 32,000
Miami-Dade, Florida 23 $ 4,558,000 $ 198,173 $ 48,000
Adams, Colorado 22 $ 3,281,000 $ 149,136 $ 71,000
Fresno, California 19 $ 2,269,000 $ 119,421 $ 53,000
Solano, California 19 $ 4,393,000 $ 231,210 $ 72,000
Wayne, Michigan 19 $ 1,985,000 $ 104,473 $ 58,000
Howell, Missouri 18 $ 1,385,000 $ 76,944 $ 21,000
Kern, California 17 $ 2,363,000 $ 139,000 $ 46,000
Placer, California 17 $ 4,949,000 $ 291,117 $ 96,000
Santa Barbara, California 17 $ 3,456,000 $ 203,294 $ 51,000
Stanislaus, California 14 $ 2,284,000 $ 163,142 $ 78,000
Orange, Florida 13 $ 1,512,000 $ 116,307 $ 42,000
Palm Beach, Florida 12 $ 1,330,000 $ 110,833 $ 63,000
Essex, New Jersey 12 $ 2,105,000 $ 175,416 $ 80,000
Denver, Colorado 11 $ 1,500,000 $ 136,363 $ 26,000
Bernalillo, New Mexico 11 $ 849,000 $ 77,181 $ 16,000
Westchester, New York 11 $ 2,557,000 $ 232,454 $ 103,000
Franklin, Ohio 11 $ 844,000 $ 76,727 $ 47,000
Bexar, Texas 11 $ 834,000 $ 75,818 $ 81,000
Mohave, Arizona 10 $ 1,102,000 $ 110,200 $ 22,000
Pima, Arizona 10 $ 1,302,000 $ 130,200 $ 91,000
New Haven, Connecticut 10 $ 1,690,000 $ 169,000 $ 48,000
Jefferson, Illinois 10 $ 843,000 $ 84,300 $ 79,000
Will, Illinois 10 $ 1,315,000 $ 131,500 $ 69,000
Pinal, Arizona 9 $ 1,990,000 $ 221,111 $ 49,000
Butte, California 9 $ 1,218,000 $ 135,333 $ 33,000
El Dorado, California 9 $ 1,900,000 $ 211,111 $ 149,000
Madera, California 9 $ 1,059,000 $ 117,666 $ 33,000
Hillsborough, Florida 9 $ 692,000 $ 76,888 $ 89,000
Montgomery, Maryland 9 $ 2,577,000 $ 286,333 $ 91,000
Morris, New Jersey 9 $ 1,893,000 $ 210,333 $ 51,000
San Francisco, California 8 $ 3,369,000 $ 421,125 $ 188,000
Tulare, California 8 $ 843,000 $ 105,375 $ 127,000
Jefferson, Colorado 8 $ 918,000 $ 114,750 $ 66,000
Pinellas, Florida 8 $ 1,059,000 $ 132,375 $ 36,000
Lancaster, Nebraska 8 $ 877,000 $ 109,625 $ 43,000
Erie, New York 8 $ 642,000 $ 80,250 $ 43,000
King, Washington 8 $ 1,736,000 $ 217,000 $ 19,000
Sonoma, California 7 $ 1,943,000 $ 277,571 $ 139,000
Sutter, California 7 $ 944,000 $ 134,857 $ 57,000
Fairfield, Connecticut 7 $ 1,137,000 $ 162,428 $ 93,000
New Castle, Delaware 7 $ 1,275,000 $ 182,142 $ 30,000
District of Columbia, District Of Columbia 7 $ 1,353,000 $ 193,285 $ 62,000
Sarasota, Florida 7 $ 1,022,000 $ 146,000 $ 51,000
Kauai, Hawaii 7 $ 3,064,000 $ 437,714 $ 120,000
Lake, Indiana 7 $ 671,000 $ 95,857 $ 46,000
Harford, Maryland 7 $ 729,000 $ 104,142 $ 48,000
Anoka, Minnesota 7 $ 1,399,000 $ 199,857 $ 64,000
Bergen, New Jersey 7 $ 1,901,000 $ 271,571 $ 33,000
Middlesex, New Jersey 7 $ 1,628,000 $ 232,571 $ 53,000
Monmouth, New Jersey 7 $ 1,850,000 $ 264,285 $ 72,000
Allegheny, Pennsylvania 7 $ 615,000 $ 87,857 $ 57,000
Philadelphia, Pennsylvania 7 $ 776,000 $ 110,857 $ 34,000
Westmoreland, Pennsylvania 7 $ 583,000 $ 83,285 $ 13,000
Pierce, Washington 7 $ 1,328,000 $ 189,714 $ 14,000
Marin, California 6 $ 1,875,000 $ 312,500 $ 238,000
Merced, California 6 $ 992,000 $ 165,333 $ 46,000
Weld, Colorado 6 $ 573,000 $ 95,500 $ 65,000
Duval, Florida 6 $ 810,000 $ 135,000 $ 37,000
Hawaii, Hawaii 6 $ 2,114,000 $ 352,333 $ 13,000
Maui, Hawaii 6 $ 2,486,000 $ 414,333 $ 153,000
Orleans, Louisiana 6 $ 518,000 $ 86,333 $ 41,000
Macomb, Michigan 6 $ 699,000 $ 116,500 $ 63,000
St. Louis, Missouri 6 $ 748,000 $ 124,666 $ 53,000
Washoe, Nevada 6 $ 984,000 $ 164,000 $ 74,000
Dutchess, New York 6 $ 1,262,000 $ 210,333 $ 168,000
Jackson, Oregon 6 $ 694,000 $ 115,666 $ 87,000
Yuma, Arizona 5 $ 457,000 $ 91,400 $ 55,000
Yolo, California 5 $ 1,000,000 $ 200,000 $ 82,000
Boulder, Colorado 5 $ 934,000 $ 186,800 $ 148,000
Lee, Florida 5 $ 480,000 $ 96,000 $ 34,000
Seminole, Florida 5 $ 600,000 $ 120,000 $ 26,000
Ouachita, Louisiana 5 $ 822,000 $ 164,400 $ 73,000
Ramsey, Minnesota 5 $ 611,000 $ 122,200 $ 44,000
Lyon, Nevada 5 $ 579,000 $ 115,800 $ 41,000
Burlington, New Jersey 5 $ 1,569,000 $ 313,800 $ 101,000
Camden, New Jersey 5 $ 610,000 $ 122,000 $ 41,000
Ocean, New Jersey 5 $ 1,637,000 $ 327,400 $ 40,000
Orange, New York 5 $ 537,000 $ 107,400 $ 40,000
Mahoning, Ohio 5 $ 459,000 $ 91,800 $ 22,000
Tulsa, Oklahoma 5 $ 328,000 $ 65,600 $ 37,000
Davidson, Tennessee 5 $ 555,000 $ 111,000 $ 76,000
Harris, Texas 5 $ 561,000 $ 112,200 $ 77,000
Prince William, Virginia 5 $ 985,000 $ 197,000 $ 61,000
Yavapai, Arizona 4 $ 680,000 $ 170,000 $ 82,000
Kings, California 4 $ 309,000 $ 77,250 $ 30,000
San Luis Obispo, California 4 $ 808,000 $ 202,000 $ 69,000
Shasta, California 4 $ 688,000 $ 172,000 $ 65,000
Hartford, Connecticut 4 $ 619,000 $ 154,750 $ 12,000
Brevard, Florida 4 $ 549,000 $ 137,250 $ 28,000
Ingham, Michigan 4 $ 619,000 $ 154,750 $ 29,000
Sandoval, New Mexico 4 $ 610,000 $ 152,500 $ 50,000
New York, New York 4 $ 1,459,000 $ 364,750 $ 55,000
Richmond, New York 4 $ 973,000 $ 243,250 $ 62,000
Rockland, New York 4 $ 942,000 $ 235,500 $ 63,000
Wake, North Carolina 4 $ 466,000 $ 116,500 $ 65,000
Rogers, Oklahoma 4 $ 347,000 $ 86,750 $ 126,000
Deschutes, Oregon 4 $ 829,000 $ 207,250 $ 73,000
Dorchester, South Carolina 4 $ 270,000 $ 67,500 $ 73,000
Utah, Utah 4 $ 992,000 $ 248,000 $ 78,000
Snohomish, Washington 4 $ 838,000 $ 209,500 $ 90,000
Kenai Peninsula, Alaska 3 $ 686,000 $ 228,666 $ 36,000
San Benito, California 3 $ 1,681,000 $ 560,333 $ 104,000
Tuolumne, California 3 $ 380,000 $ 126,666 $ 30,000
Douglas, Colorado 3 $ 933,000 $ 311,000 $ 87,000
Garfield, Colorado 3 $ 1,099,000 $ 366,333 $ 86,000
Pueblo, Colorado 3 $ 217,000 $ 72,333 $ 17,000
Bay, Florida 3 $ 237,000 $ 79,000 $ 35,000
Charlotte, Florida 3 $ 506,000 $ 168,666 $ 25,000
Collier, Florida 3 $ 509,000 $ 169,666 $ 54,000
Pasco, Florida 3 $ 306,000 $ 102,000 $ 73,000
Volusia, Florida 3 $ 753,000 $ 251,000 $ 158,000
Kane, Illinois 3 $ 512,000 $ 170,666 $ 17,000
Peoria, Illinois 3 $ 157,000 $ 52,333 $ 30,000
Tazewell, Illinois 3 $ 210,000 $ 70,000 $ 55,000
Whiteside, Illinois 3 $ 266,000 $ 88,666 $ 36,000
Jefferson, Kentucky 3 $ 368,000 $ 122,666 $ 0
Jefferson, Louisiana 3 $ 430,000 $ 143,333 $ 45,000
Baltimore City, Maryland 3 $ 327,000 $ 109,000 $ 46,000
Middlesex, Massachusetts 3 $ 1,160,000 $ 386,666 $ 48,000
Suffolk, Massachusetts 3 $ 858,000 $ 286,000 $ 65,000
Genesee, Michigan 3 $ 253,000 $ 84,333 $ 8,000
Oakland, Michigan 3 $ 1,026,000 $ 342,000 $ 103,000
Dakota, Minnesota 3 $ 1,152,000 $ 384,000 $ 196,000
Scott, Minnesota 3 $ 524,000 $ 174,666 $ 62,000
Sherburne, Minnesota 3 $ 437,000 $ 145,666 $ 40,000
St. Louis, Minnesota 3 $ 230,000 $ 76,666 $ 36,000
Washington, Minnesota 3 $ 768,000 $ 256,000 $ 66,000
Gloucester, New Jersey 3 $ 499,000 $ 166,333 $ 62,000
Hudson, New Jersey 3 $ 860,000 $ 286,666 $ 40,000
Mercer, New Jersey 3 $ 515,000 $ 171,666 $ 82,000
Union, New Jersey 3 $ 678,000 $ 226,000 $ 33,000
Santa Fe, New Mexico 3 $ 421,000 $ 140,333 $ 69,000
Niagara, New York 3 $ 338,000 $ 112,666 $ 62,000
Saratoga, New York 3 $ 453,000 $ 151,000 $ 0
Licking, Ohio 3 $ 364,000 $ 121,333 $ 105,000
Trumbull, Ohio 3 $ 401,000 $ 133,666 $ 14,000
Lane, Oregon 3 $ 317,000 $ 105,666 $ 130,000
Berks, Pennsylvania 3 $ 363,000 $ 121,000 $ 59,000
Bucks, Pennsylvania 3 $ 418,000 $ 139,333 $ 78,000
Monroe, Pennsylvania 3 $ 638,000 $ 212,666 $ 80,000
Pike, Pennsylvania 3 $ 424,000 $ 141,333 $ 78,000
Pennington, South Dakota 3 $ 261,000 $ 87,000 $ 29,000
Knox, Tennessee 3 $ 476,000 $ 158,666 $ 96,000
Shelby, Tennessee 3 $ 161,000 $ 53,666 $ 175,000
Dallas, Texas 3 $ 313,000 $ 104,333 $ 62,000
Williamson, Texas 3 $ 291,000 $ 97,000 $ 50,000
Fairfax, Virginia 3 $ 723,000 $ 241,000 $ 106,000
Kitsap, Washington 3 $ 326,000 $ 108,666 $ 42,000
Mason, Washington 3 $ 405,000 $ 135,000 $ 0
Anchorage, Alaska 2 $ 468,000 $ 234,000 $ 91,000
Cochise, Arizona 2 $ 172,000 $ 86,000 $ 0
Marion, Arkansas 2 $ 150,000 $ 75,000 $ 53,000
Inyo, California 2 $ 248,000 $ 124,000 $ 0
Mendocino, California 2 $ 418,000 $ 209,000 $ 45,000
Manatee, Florida 2 $ 369,000 $ 184,500 $ 56,000
Marion, Florida 2 $ 194,000 $ 97,000 $ 33,000
Putnam, Florida 2 $ 227,000 $ 113,500 $ 114,000
Santa Rosa, Florida 2 $ 318,000 $ 159,000 $ 184,000
Champaign, Illinois 2 $ 220,000 $ 110,000 $ 43,000
Lake, Illinois 2 $ 659,000 $ 329,500 $ 106,000
LaSalle, Illinois 2 $ 83,000 $ 41,500 $ 27,000
Williamson, Illinois 2 $ 198,000 $ 99,000 $ 36,000
LaPorte, Indiana 2 $ 269,000 $ 134,500 $ 15,000
Lawrence, Indiana 2 $ 217,000 $ 108,500 $ 54,000
Woodbury, Iowa 2 $ 199,000 $ 99,500 $ 277,000
Johnson, Kentucky 2 $ 190,000 $ 95,000 $ 44,000
Oldham, Kentucky 2 $ 99,000 $ 49,500 $ 0
East Baton Rouge, Louisiana 2 $ 65,000 $ 32,500 $ 130,000
St. John the Baptist, Louisiana 2 $ 200,000 $ 100,000 $ 21,000
York, Maine 2 $ 344,000 $ 172,000 $ 63,000
Charles, Maryland 2 $ 417,000 $ 208,500 $ 64,000
Allegan, Michigan 2 $ 553,000 $ 276,500 $ 123,000
Iosco, Michigan 2 $ 286,000 $ 143,000 $ 63,000
Monroe, Michigan 2 $ 166,000 $ 83,000 $ 85,000
Blue Earth, Minnesota 2 $ 215,000 $ 107,500 $ 22,000
Isanti, Minnesota 2 $ 397,000 $ 198,500 $ 60,000
Polk, Minnesota 2 $ 129,000 $ 64,500 $ 42,000
Jasper, Missouri 2 $ 175,000 $ 87,500 $ 22,000
St. Charles, Missouri 2 $ 324,000 $ 162,000 $ 19,000
St. Louis City, Missouri 2 $ 89,000 $ 44,500 $ 40,000
Douglas, Nebraska 2 $ 110,000 $ 55,000 $ 39,000
Saline, Nebraska 2 $ 209,000 $ 104,500 $ 60,000
Carson City, Nevada 2 $ 432,000 $ 216,000 $ 0
Hillsborough, New Hampshire 2 $ 424,000 $ 212,000 $ 36,000
Rockingham, New Hampshire 2 $ 390,000 $ 195,000 $ 0
Passaic, New Jersey 2 $ 412,000 $ 206,000 $ 31,000
Chemung, New York 2 $ 216,000 $ 108,000 $ 36,000
Clinton, New York 2 $ 143,000 $ 71,500 $ 0
Delaware, New York 2 $ 289,000 $ 144,500 $ 50,000
Monroe, New York 2 $ 258,000 $ 129,000 $ 88,000
Oneida, New York 2 $ 134,000 $ 67,000 $ 12,000
Onondaga, New York 2 $ 181,000 $ 90,500 $ 57,000
Otsego, New York 2 $ 232,000 $ 116,000 $ 53,000
Rensselaer, New York 2 $ 200,000 $ 100,000 $ 32,000
Catawba, North Carolina 2 $ 480,000 $ 240,000 $ 0
Guilford, North Carolina 2 $ 388,000 $ 194,000 $ 15,000
New Hanover, North Carolina 2 $ 183,000 $ 91,500 $ 67,000
Coshocton, Ohio 2 $ 165,000 $ 82,500 $ 62,000
Williams, Ohio 2 $ 159,000 $ 79,500 $ 45,000
Oklahoma, Oklahoma 2 $ 163,000 $ 81,500 $ 33,000
Wagoner, Oklahoma 2 $ 115,000 $ 57,500 $ 0
Multnomah, Oregon 2 $ 315,000 $ 157,500 $ 41,000
Washington, Oregon 2 $ 390,000 $ 195,000 $ 91,000
Delaware, Pennsylvania 2 $ 167,000 $ 83,500 $ 43,000
Lackawanna, Pennsylvania 2 $ 140,000 $ 70,000 $ 0
Lancaster, Pennsylvania 2 $ 211,000 $ 105,500 $ 0
Luzerne, Pennsylvania 2 $ 259,000 $ 129,500 $ 56,000
Lycoming, Pennsylvania 2 $ 168,000 $ 84,000 $ 54,000
Montgomery, Pennsylvania 2 $ 353,000 $ 176,500 $ 46,000
Wayne, Pennsylvania 2 $ 250,000 $ 125,000 $ 238,000
Lawrence, South Dakota 2 $ 130,000 $ 65,000 $ 42,000
Bradley, Tennessee 2 $ 200,000 $ 100,000 $ 0
Sullivan, Tennessee 2 $ 214,000 $ 107,000 $ 69,000
Rusk, Texas 2 $ 118,000 $ 59,000 $ 52,000
Tarrant, Texas 2 $ 227,000 $ 113,500 $ 44,000
Travis, Texas 2 $ 263,000 $ 131,500 $ 90,000
Salt Lake, Utah 2 $ 4,128,000 $ 2,064,000 $ 565,000
Weber, Utah 2 $ 120,000 $ 60,000 $ 28,000
Bennington, Vermont 2 $ 696,000 $ 348,000 $ 80,000
Henrico, Virginia 2 $ 284,000 $ 142,000 $ 23,000
Whatcom, Washington 2 $ 251,000 $ 125,500 $ 39,000
Sheboygan, Wisconsin 2 $ 251,000 $ 125,500 $ 0
Albany, Wyoming 2 $ 492,000 $ 246,000 $ 68,000
Fairbanks North Star, Alaska 1 $ 167,000 $ 167,000 $ 0
Juneau, Alaska 1 $ 225,000 $ 225,000 $ 84,000
Graham, Arizona 1 $ 120,000 $ 120,000 $ 83,000
Baxter, Arkansas 1 $ 40,000 $ 40,000 $ 13,000
Jefferson, Arkansas 1 $ 100,000 $ 100,000 $ 60,000
Pulaski, Arkansas 1 $ 60,000 $ 60,000 $ 53,000
Calaveras, California 1 $ 196,000 $ 196,000 $ 46,000
Mono, California 1 $ 185,000 $ 185,000 $ 0
Nevada, California 1 $ 275,000 $ 275,000 $ 190,000
Siskiyou, California 1 $ 60,000 $ 60,000 $ 0
Yuba, California 1 $ 241,000 $ 241,000 $ 0
Broomfield, Colorado 1 $ 191,000 $ 191,000 $ 92,000
Elbert, Colorado 1 $ 360,000 $ 360,000 $ 0
La Plata, Colorado 1 $ 126,000 $ 126,000 $ 61,000
Larimer, Colorado 1 $ 551,000 $ 551,000 $ 130,000
Lincoln, Colorado 1 $ 66,000 $ 66,000 $ 121,000
Mesa, Colorado 1 $ 129,000 $ 129,000 $ 0
Montrose, Colorado 1 $ 308,000 $ 308,000 $ 0
Summit, Colorado 1 $ 38,000 $ 38,000 $ 36,000
Middlesex, Connecticut 1 $ 153,000 $ 153,000 $ 74,000
Tolland, Connecticut 1 $ 189,000 $ 189,000 $ 46,000
Windham, Connecticut 1 $ 129,000 $ 129,000 $ 0
Sussex, Delaware 1 $ 120,000 $ 120,000 $ 0
Alachua, Florida 1 $ 224,000 $ 224,000 $ 0
Clay, Florida 1 $ 216,000 $ 216,000 $ 89,000
Columbia, Florida 1 $ 81,000 $ 81,000 $ 17,000
Escambia, Florida 1 $ 47,000 $ 47,000 $ 0
Flagler, Florida 1 $ 150,000 $ 150,000 $ 60,000
Franklin, Florida 1 $ 293,000 $ 293,000 $ 86,000
Gadsden, Florida 1 $ 125,000 $ 125,000 $ 18,000
Martin, Florida 1 $ 168,000 $ 168,000 $ 0
Nassau, Florida 1 $ 83,000 $ 83,000 $ 0
Osceola, Florida 1 $ 47,000 $ 47,000 $ 83,000
Polk, Florida 1 $ 135,000 $ 135,000 $ 87,000
St. Johns, Florida 1 $ 220,000 $ 220,000 $ 122,000
St. Lucie, Florida 1 $ 108,000 $ 108,000 $ 0
Suwannee, Florida 1 $ 112,000 $ 112,000 $ 0
Washington, Florida 1 $ 106,000 $ 106,000 $ 0
Bonner, Idaho 1 $ 125,000 $ 125,000 $ 28,000
Canyon, Idaho 1 $ 74,000 $ 74,000 $ 41,000
Kootenai, Idaho 1 $ 163,000 $ 163,000 $ 0
Nez Perce, Idaho 1 $ 156,000 $ 156,000 $ 36,000
Payette, Idaho 1 $ 173,000 $ 173,000 $ 40,000
Bureau, Illinois 1 $ 116,000 $ 116,000 $ 46,000
De Witt, Illinois 1 $ 112,000 $ 112,000 $ 84,000
DuPage, Illinois 1 $ 66,000 $ 66,000 $ 72,000
Edgar, Illinois 1 $ 64,000 $ 64,000 $ 40,000
Grundy, Illinois 1 $ 114,000 $ 114,000 $ 46,000
Iroquois, Illinois 1 $ 86,000 $ 86,000 $ 67,000
Kankakee, Illinois 1 $ 115,000 $ 115,000 $ 33,000
Macoupin, Illinois 1 $ 149,000 $ 149,000 $ 44,000
McLean, Illinois 1 $ 115,000 $ 115,000 $ 50,000
Mercer, Illinois 1 $ 85,000 $ 85,000 $ 43,000
Ogle, Illinois 1 $ 228,000 $ 228,000 $ 80,000
Rock Island, Illinois 1 $ 78,000 $ 78,000 $ 46,000
Saline, Illinois 1 $ 57,000 $ 57,000 $ 31,000
Stephenson, Illinois 1 $ 138,000 $ 138,000 $ 38,000
Vermilion, Illinois 1 $ 132,000 $ 132,000 $ 42,000
Winnebago, Illinois 1 $ 174,000 $ 174,000 $ 140,000
Allen, Indiana 1 $ 313,000 $ 313,000 $ 90,000
Clay, Indiana 1 $ 80,000 $ 80,000 $ 40,000
Clinton, Indiana 1 $ 61,000 $ 61,000 $ 0
Dearborn, Indiana 1 $ 126,000 $ 126,000 $ 55,000
Franklin, Indiana 1 $ 104,000 $ 104,000 $ 45,000
Hancock, Indiana 1 $ 183,000 $ 183,000 $ 128,000
Morgan, Indiana 1 $ 50,000 $ 50,000 $ 43,000
St. Joseph, Indiana 1 $ 104,000 $ 104,000 $ 55,000
Steuben, Indiana 1 $ 150,000 $ 150,000 $ 34,000
Washington, Indiana 1 $ 65,000 $ 65,000 $ 40,000
Adair, Iowa 1 $ 104,000 $ 104,000 $ 49,000
Cass, Iowa 1 $ 40,000 $ 40,000 $ 31,000
Clarke, Iowa 1 $ 117,000 $ 117,000 $ 60,000
Johnson, Kansas 1 $ 132,000 $ 132,000 $ 0
Allen, Kentucky 1 $ 70,000 $ 70,000 $ 35,000
Daviess, Kentucky 1 $ 106,000 $ 106,000 $ 74,000
Fayette, Kentucky 1 $ 650,000 $ 650,000 $ 124,000
Hardin, Kentucky 1 $ 36,000 $ 36,000 $ 0
Madison, Kentucky 1 $ 255,000 $ 255,000 $ 48,000
Scott, Kentucky 1 $ 80,000 $ 80,000 $ 44,000
St. Mary, Louisiana 1 $ 60,000 $ 60,000 $ 63,000
St. Tammany, Louisiana 1 $ 139,000 $ 139,000 $ 54,000
Terrebonne, Louisiana 1 $ 52,000 $ 52,000 $ 33,000
Union, Louisiana 1 $ 50,000 $ 50,000 $ 22,000
Penobscot, Maine 1 $ 111,000 $ 111,000 $ 0
Anne Arundel, Maryland 1 $ 171,000 $ 171,000 $ 218,000
Frederick, Maryland 1 $ 162,000 $ 162,000 $ 58,000
Howard, Maryland 1 $ 257,000 $ 257,000 $ 100,000
Washington, Maryland 1 $ 130,000 $ 130,000 $ 0
Wicomico, Maryland 1 $ 155,000 $ 155,000 $ 64,000
Essex, Massachusetts 1 $ 465,000 $ 465,000 $ 123,000
Plymouth, Massachusetts 1 $ 124,000 $ 124,000 $ 43,000
Berrien, Michigan 1 $ 28,000 $ 28,000 $ 47,000
Hillsdale, Michigan 1 $ 150,000 $ 150,000 $ 0
Kalamazoo, Michigan 1 $ 241,000 $ 241,000 $ 198,000
Kalkaska, Michigan 1 $ 60,000 $ 60,000 $ 0
Lapeer, Michigan 1 $ 107,000 $ 107,000 $ 44,000
Marquette, Michigan 1 $ 59,000 $ 59,000 $ 16,000
Osceola, Michigan 1 $ 133,000 $ 133,000 $ 55,000
Saginaw, Michigan 1 $ 56,000 $ 56,000 $ 22,000
St. Clair, Michigan 1 $ 128,000 $ 128,000 $ 0
St. Joseph, Michigan 1 $ 107,000 $ 107,000 $ 23,000
Beltrami, Minnesota 1 $ 83,000 $ 83,000 $ 32,000
Carlton, Minnesota 1 $ 119,000 $ 119,000 $ 41,000
Clay, Minnesota 1 $ 117,000 $ 117,000 $ 55,000
McLeod, Minnesota 1 $ 125,000 $ 125,000 $ 29,000
Meeker, Minnesota 1 $ 150,000 $ 150,000 $ 88,000
Olmsted, Minnesota 1 $ 290,000 $ 290,000 $ 63,000
Rice, Minnesota 1 $ 129,000 $ 129,000 $ 37,000
Wright, Minnesota 1 $ 452,000 $ 452,000 $ 0
Madison, Mississippi 1 $ 124,000 $ 124,000 $ 0
Benton, Missouri 1 $ 82,000 $ 82,000 $ 0
Carroll, Missouri 1 $ 80,000 $ 80,000 $ 0
Clay, Missouri 1 $ 75,000 $ 75,000 $ 0
Clinton, Missouri 1 $ 135,000 $ 135,000 $ 60,000
Dade, Missouri 1 $ 60,000 $ 60,000 $ 0
Jackson, Missouri 1 $ 205,000 $ 205,000 $ 0
Saline, Missouri 1 $ 118,000 $ 118,000 $ 65,000
Scott, Missouri 1 $ 45,000 $ 45,000 $ 0
Shannon, Missouri 1 $ 51,000 $ 51,000 $ 50,000
St. Francois, Missouri 1 $ 82,000 $ 82,000 $ 0
Taney, Missouri 1 $ 148,000 $ 148,000 $ 94,000
Texas, Missouri 1 $ 240,000 $ 240,000 $ 44,000
Lake, Montana 1 $ 90,000 $ 90,000 $ 37,000
Lincoln, Montana 1 $ 101,000 $ 101,000 $ 30,000
Missoula, Montana 1 $ 235,000 $ 235,000 $ 0
Ravalli, Montana 1 $ 108,000 $ 108,000 $ 23,000
Adams, Nebraska 1 $ 82,000 $ 82,000 $ 32,000
Buffalo, Nebraska 1 $ 74,000 $ 74,000 $ 26,000
Gage, Nebraska 1 $ 42,000 $ 42,000 $ 62,000
Platte, Nebraska 1 $ 258,000 $ 258,000 $ 0
Sarpy, Nebraska 1 $ 108,000 $ 108,000 $ 0
Thayer, Nebraska 1 $ 76,000 $ 76,000 $ 72,000
Churchill, Nevada 1 $ 103,000 $ 103,000 $ 43,000
Elko, Nevada 1 $ 100,000 $ 100,000 $ 58,000
Carroll, New Hampshire 1 $ 95,000 $ 95,000 $ 36,000
Grafton, New Hampshire 1 $ 185,000 $ 185,000 $ 80,000
Merrimack, New Hampshire 1 $ 135,000 $ 135,000 $ 0
Strafford, New Hampshire 1 $ 128,000 $ 128,000 $ 54,000
Cape May, New Jersey 1 $ 189,000 $ 189,000 $ 57,000
Hunterdon, New Jersey 1 $ 209,000 $ 209,000 $ 72,000
Somerset, New Jersey 1 $ 175,000 $ 175,000 $ 0
Dona Ana, New Mexico 1 $ 80,000 $ 80,000 $ 0
Eddy, New Mexico 1 $ 192,000 $ 192,000 $ 87,000
Grant, New Mexico 1 $ 62,000 $ 62,000 $ 44,000
Hidalgo, New Mexico 1 $ 69,000 $ 69,000 $ 177,000
Lea, New Mexico 1 $ 95,000 $ 95,000 $ 0
San Juan, New Mexico 1 $ 117,000 $ 117,000 $ 82,000
Valencia, New Mexico 1 $ 82,000 $ 82,000 $ 28,000
Cortland, New York 1 $ 128,000 $ 128,000 $ 84,000
Essex, New York 1 $ 50,000 $ 50,000 $ 11,000
Greene, New York 1 $ 154,000 $ 154,000 $ 43,000
Herkimer, New York 1 $ 49,000 $ 49,000 $ 0
Jefferson, New York 1 $ 103,000 $ 103,000 $ 0
Livingston, New York 1 $ 109,000 $ 109,000 $ 35,000
Ontario, New York 1 $ 50,000 $ 50,000 $ 44,000
Orleans, New York 1 $ 60,000 $ 60,000 $ 46,000
Oswego, New York 1 $ 78,000 $ 78,000 $ 27,000
Schenectady, New York 1 $ 48,000 $ 48,000 $ 30,000
Schoharie, New York 1 $ 50,000 $ 50,000 $ 50,000
Seneca, New York 1 $ 90,000 $ 90,000 $ 0
Steuben, New York 1 $ 70,000 $ 70,000 $ 48,000
Sullivan, New York 1 $ 267,000 $ 267,000 $ 0
Washington, New York 1 $ 168,000 $ 168,000 $ 229,000
Wayne, New York 1 $ 55,000 $ 55,000 $ 52,000
Durham, North Carolina 1 $ 200,000 $ 200,000 $ 134,000
Burleigh, North Dakota 1 $ 210,000 $ 210,000 $ 190,000
Williams, North Dakota 1 $ 51,000 $ 51,000 $ 27,000
Champaign, Ohio 1 $ 129,000 $ 129,000 $ 0
Clark, Ohio 1 $ 165,000 $ 165,000 $ 0
Columbiana, Ohio 1 $ 80,000 $ 80,000 $ 0
Cuyahoga, Ohio 1 $ 118,000 $ 118,000 $ 107,000
Defiance, Ohio 1 $ 57,000 $ 57,000 $ 23,000
Greene, Ohio 1 $ 187,000 $ 187,000 $ 96,000
Jefferson, Ohio 1 $ 98,000 $ 98,000 $ 38,000
Knox, Ohio 1 $ 116,000 $ 116,000 $ 84,000
Montgomery, Ohio 1 $ 75,000 $ 75,000 $ 144,000
Muskingum, Ohio 1 $ 60,000 $ 60,000 $ 30,000
Summit, Ohio 1 $ 43,000 $ 43,000 $ 0
Canadian, Oklahoma 1 $ 108,000 $ 108,000 $ 54,000
Logan, Oklahoma 1 $ 205,000 $ 205,000 $ 0
Osage, Oklahoma 1 $ 136,000 $ 136,000 $ 0
Pittsburg, Oklahoma 1 $ 57,000 $ 57,000 $ 24,000
Washington, Oklahoma 1 $ 85,000 $ 85,000 $ 31,000
Curry, Oregon 1 $ 140,000 $ 140,000 $ 0
Lincoln, Oregon 1 $ 261,000 $ 261,000 $ 0
Union, Oregon 1 $ 125,000 $ 125,000 $ 51,000
Bradford, Pennsylvania 1 $ 62,000 $ 62,000 $ 0
Cambria, Pennsylvania 1 $ 116,000 $ 116,000 $ 38,000
Chester, Pennsylvania 1 $ 180,000 $ 180,000 $ 56,000
Clinton, Pennsylvania 1 $ 78,000 $ 78,000 $ 0
Erie, Pennsylvania 1 $ 93,000 $ 93,000 $ 106,000
Fayette, Pennsylvania 1 $ 139,000 $ 139,000 $ 76,000
Juniata, Pennsylvania 1 $ 57,000 $ 57,000 $ 0
Lehigh, Pennsylvania 1 $ 153,000 $ 153,000 $ 46,000
McKean, Pennsylvania 1 $ 80,000 $ 80,000 $ 18,000
Mercer, Pennsylvania 1 $ 55,000 $ 55,000 $ 0
Montour, Pennsylvania 1 $ 54,000 $ 54,000 $ 0
Northampton, Pennsylvania 1 $ 262,000 $ 262,000 $ 106,000
Susquehanna, Pennsylvania 1 $ 122,000 $ 122,000 $ 0
York, Pennsylvania 1 $ 167,000 $ 167,000 $ 62,000
Kent, Rhode Island 1 $ 90,000 $ 90,000 $ 33,000
Richland, South Carolina 1 $ 18,000 $ 18,000 $ 0
Davison, South Dakota 1 $ 143,000 $ 143,000 $ 44,000
Meade, South Dakota 1 $ 90,000 $ 90,000 $ 0
Minnehaha, South Dakota 1 $ 109,000 $ 109,000 $ 48,000
Union, South Dakota 1 $ 40,000 $ 40,000 $ 0
Bledsoe, Tennessee 1 $ 115,000 $ 115,000 $ 0
Cheatham, Tennessee 1 $ 149,000 $ 149,000 $ 0
Hardin, Tennessee 1 $ 112,000 $ 112,000 $ 104,000
Madison, Tennessee 1 $ 80,000 $ 80,000 $ 20,000
Roane, Tennessee 1 $ 98,000 $ 98,000 $ 0
Sumner, Tennessee 1 $ 184,000 $ 184,000 $ 0
Williamson, Tennessee 1 $ 146,000 $ 146,000 $ 0
Anderson, Texas 1 $ 38,000 $ 38,000 $ 113,000
Bell, Texas 1 $ 62,000 $ 62,000 $ 52,000
Brazoria, Texas 1 $ 204,000 $ 204,000 $ 183,000
El Paso, Texas 1 $ 181,000 $ 181,000 $ 48,000
Galveston, Texas 1 $ 60,000 $ 60,000 $ 14,000
Hidalgo, Texas 1 $ 43,000 $ 43,000 $ 26,000
Kaufman, Texas 1 $ 99,000 $ 99,000 $ 36,000
Montgomery, Texas 1 $ 132,000 $ 132,000 $ 86,000
Tom Green, Texas 1 $ 49,000 $ 49,000 $ 0
Beaver, Utah 1 $ 90,000 $ 90,000 $ 0
Caledonia, Vermont 1 $ 208,000 $ 208,000 $ 81,000
Chittenden, Vermont 1 $ 231,000 $ 231,000 $ 134,000
Essex, Vermont 1 $ 102,000 $ 102,000 $ 192,000
Lamoille, Vermont 1 $ 62,000 $ 62,000 $ 90,000
Rutland, Vermont 1 $ 200,000 $ 200,000 $ 0
Windsor, Vermont 1 $ 94,000 $ 94,000 $ 46,000
Augusta, Virginia 1 $ 139,000 $ 139,000 $ 52,000
Caroline, Virginia 1 $ 157,000 $ 157,000 $ 45,000
Chesapeake, Virginia 1 $ 250,000 $ 250,000 $ 121,000
Chesterfield, Virginia 1 $ 164,000 $ 164,000 $ 86,000
King George, Virginia 1 $ 125,000 $ 125,000 $ 103,000
Loudoun, Virginia 1 $ 216,000 $ 216,000 $ 0
Waynesboro, Virginia 1 $ 134,000 $ 134,000 $ 55,000
Grant, Washington 1 $ 180,000 $ 180,000 $ 0
Spokane, Washington 1 $ 170,000 $ 170,000 $ 68,000
Stevens, Washington 1 $ 104,000 $ 104,000 $ 40,000
Yakima, Washington 1 $ 96,000 $ 96,000 $ 32,000
Jefferson, Wisconsin 1 $ 77,000 $ 77,000 $ 21,000
Kenosha, Wisconsin 1 $ 182,000 $ 182,000 $ 68,000
Rock, Wisconsin 1 $ 119,000 $ 119,000 $ 0
Vilas, Wisconsin 1 $ 122,000 $ 122,000 $ 30,000
Campbell, Wyoming 1 $ 50,000 $ 50,000 $ 53,000
Laramie, Wyoming 1 $ 116,000 $ 116,000 $ 44,000
Weston, Wyoming 1 $ 289,000 $ 289,000 $ 43,000

Mortgage Loan Application Detail Totals for American Home Loans 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 2,283 $468,930,000 $169,979 $4,000,000 $54,687 $1,440,000
Home Purchase 2,036 $407,730,000 $147,027 $1,331,000 $71,594 $828,000
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 1,931 $389,394,000 $155,279 $1,771,000 $59,558 $840,000
Not Provided 1,140 $239,128,000 $169,090 $4,000,000 $54,795 $1,440,000
Hispanic 668 $128,236,000 $143,684 $1,250,000 $64,684 $540,000
Black or African American 356 $65,777,000 $174,250 $650,000 $45,571 $480,000
Asian 188 $47,504,000 $178,454 $760,000 $76,818 $261,000
Not applicable 15 $2,479,000 $210,000 $493,000 $37,500 $103,000
American Indian or Alaskan Native 12 $2,330,000 $192,750 $500,000 $68,000 $170,000
Native Hawaiian or Other Pacific Islander 9 $1,812,000 $183,500 $375,000 $59,000 $152,000

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) 4,319 $876,660,000 $158,812 $4,000,000 $55,770 $1,440,000
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
Application Approved But Not Accepted 1,722 $359,500,000 $175,465 $4,000,000 $66,372 $1,440,000
Loan Originated 1,637 $326,255,000 $145,777 $1,459,000 $53,088 $810,000
Application Withdrawn By Applicant 408 $78,854,000 $148,842 $1,331,000 $39,315 $538,000
Application Denied By Financial Institution 329 $66,990,000 $162,117 $1,100,000 $53,411 $551,000
File Closed For Incompleteness 223 $45,061,000 $133,320 $1,250,000 $75,920 $540,000
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
Credit History 137 $29,612,000 $176,523 $939,000 $77,285 $438,000
Other 45 $10,902,000 $223,181 $900,000 $63,000 $405,000
Collateral 35 $5,814,000 $133,363 $398,000 $47,363 $152,000
Debt-To-Income Ratio 23 $3,444,000 $124,625 $551,000 $54,625 $447,000
Employment History 8 $2,114,000 $226,750 $560,000 $42,750 $180,000
Unverifiable Information 5 $561,000 $107,333 $264,000 $48,666 $86,000
Credit Application Incomplete 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Loans'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 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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