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Act (HMDA) records American Home Loans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 720 | $ 157,852,000 | $ 219,238 | $ 69,000 |
| Riverside-San Bernardino-Ontario, CA | 498 | $ 99,772,000 | $ 200,345 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 337 | $ 84,947,000 | $ 252,068 | $ 78,000 |
| Santa Ana-Anaheim-Irvine, CA | 280 | $ 84,667,000 | $ 302,382 | $ 80,000 |
| Las Vegas-Paradise, NV | 140 | $ 25,678,000 | $ 183,414 | $ 90,000 |
| Oakland-Fremont-Hayward, CA | 139 | $ 31,882,000 | $ 229,366 | $ 65,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 124 | $ 24,662,000 | $ 198,887 | $ 103,000 |
| New York-Wayne-White Plains, NY-NJ | 115 | $ 27,657,000 | $ 240,495 | $ 64,000 |
| Phoenix-Mesa-Scottsdale, AZ | 107 | $ 14,834,000 | $ 138,635 | $ 52,000 |
| Chicago-Naperville-Joliet, IL | 104 | $ 15,482,000 | $ 148,865 | $ 58,000 |
| Denver-Aurora, CO | 71 | $ 10,154,000 | $ 143,014 | $ 52,000 |
| Nassau-Suffolk, NY | 66 | $ 17,171,000 | $ 260,166 | $ 82,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 63 | $ 19,789,000 | $ 314,111 | $ 98,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 57 | $ 10,964,000 | $ 192,350 | $ 79,000 |
| San Francisco-San Mateo-Redwood City, CA | 47 | $ 16,492,000 | $ 350,893 | $ 155,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 42 | $ 11,382,000 | $ 271,000 | $ 77,000 |
| Stockton, CA | 41 | $ 8,061,000 | $ 196,609 | $ 66,000 |
| El Centro, CA | 37 | $ 4,619,000 | $ 124,837 | $ 54,000 |
| Honolulu, HI | 37 | $ 10,316,000 | $ 278,810 | $ 112,000 |
| Santa Cruz-Watsonville, CA | 33 | $ 8,357,000 | $ 253,242 | $ 53,000 |
| Newark-Union, NJ-PA | 25 | $ 4,885,000 | $ 195,400 | $ 66,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 24 | $ 4,520,000 | $ 188,333 | $ 76,000 |
| Colorado Springs, CO | 23 | $ 2,841,000 | $ 123,521 | $ 32,000 |
| Miami-Miami Beach-Kendall, FL | 23 | $ 4,558,000 | $ 198,173 | $ 48,000 |
| Salinas, CA | 23 | $ 5,294,000 | $ 230,173 | $ 81,000 |
| Edison, NJ | 20 | $ 5,290,000 | $ 264,500 | $ 50,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 2,057,000 | $ 102,850 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 19 | $ 1,985,000 | $ 104,473 | $ 58,000 |
| Fresno, CA | 19 | $ 2,269,000 | $ 119,421 | $ 53,000 |
| Orlando, FL | 19 | $ 2,159,000 | $ 113,631 | $ 40,000 |
| Vallejo-Fairfield, CA | 19 | $ 4,393,000 | $ 231,210 | $ 72,000 |
| Bakersfield, CA | 17 | $ 2,363,000 | $ 139,000 | $ 46,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 17 | $ 3,456,000 | $ 203,294 | $ 51,000 |
| Albuquerque, NM | 16 | $ 1,541,000 | $ 96,312 | $ 27,000 |
| Philadelphia, PA | 15 | $ 1,894,000 | $ 126,266 | $ 48,000 |
| Pittsburgh, PA | 15 | $ 1,337,000 | $ 89,133 | $ 46,000 |
| Columbus, OH | 14 | $ 1,208,000 | $ 86,285 | $ 63,000 |
| Modesto, CA | 14 | $ 2,284,000 | $ 163,142 | $ 78,000 |
| Camden, NJ | 13 | $ 2,678,000 | $ 206,000 | $ 68,000 |
| Baltimore-Towson, MD | 12 | $ 1,484,000 | $ 123,666 | $ 69,000 |
| New Orleans-Metairie-Kenner, LA | 12 | $ 1,287,000 | $ 107,250 | $ 39,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 2,574,000 | $ 214,500 | $ 47,000 |
| Tulsa, OK | 12 | $ 926,000 | $ 77,166 | $ 39,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 1,330,000 | $ 110,833 | $ 63,000 |
| Buffalo-Niagara Falls, NY | 11 | $ 980,000 | $ 89,090 | $ 48,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 11 | $ 1,799,000 | $ 163,545 | $ 117,000 |
| San Antonio, TX | 11 | $ 834,000 | $ 75,818 | $ 81,000 |
| Warren-Farmington Hills-Troy, MI | 11 | $ 1,960,000 | $ 178,181 | $ 68,000 |
| Bethesda-Frederick-Gaithersburg, MD | 10 | $ 2,739,000 | $ 273,900 | $ 86,000 |
| New Haven-Milford, CT | 10 | $ 1,690,000 | $ 169,000 | $ 48,000 |
| St. Louis, MO-IL | 10 | $ 1,161,000 | $ 116,100 | $ 43,000 |
| Tucson, AZ | 10 | $ 1,302,000 | $ 130,200 | $ 91,000 |
| Chico, CA | 9 | $ 1,218,000 | $ 135,333 | $ 33,000 |
| Jacksonville, FL | 9 | $ 1,329,000 | $ 147,666 | $ 49,000 |
| Madera, CA | 9 | $ 1,059,000 | $ 117,666 | $ 33,000 |
| Sarasota-Bradenton-Venice, FL | 9 | $ 1,391,000 | $ 154,555 | $ 53,000 |
| Houston-Baytown-Sugar Land, TX | 8 | $ 957,000 | $ 119,625 | $ 84,000 |
| Lincoln, NE | 8 | $ 877,000 | $ 109,625 | $ 43,000 |
| Nashville-Davidson--Murfreesboro, TN | 8 | $ 1,034,000 | $ 129,250 | $ 43,000 |
| Visalia-Porterville, CA | 8 | $ 843,000 | $ 105,375 | $ 127,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 860,000 | $ 107,500 | $ 19,000 |
| Yuba City, CA | 8 | $ 1,185,000 | $ 148,125 | $ 47,000 |
| Albany-Schenectady-Troy, NY | 7 | $ 751,000 | $ 107,285 | $ 18,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 1,137,000 | $ 162,428 | $ 93,000 |
| Gary, IN | 7 | $ 671,000 | $ 95,857 | $ 46,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 1,943,000 | $ 277,571 | $ 139,000 |
| Tacoma, WA | 7 | $ 1,328,000 | $ 189,714 | $ 14,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,353,000 | $ 193,285 | $ 62,000 |
| Wilmington, DE-MD-NJ | 7 | $ 1,275,000 | $ 182,142 | $ 30,000 |
| Greeley, CO | 6 | $ 573,000 | $ 95,500 | $ 65,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 961,000 | $ 160,166 | $ 28,000 |
| Medford, OR | 6 | $ 694,000 | $ 115,666 | $ 87,000 |
| Merced, CA | 6 | $ 992,000 | $ 165,333 | $ 46,000 |
| Monroe, LA | 6 | $ 872,000 | $ 145,333 | $ 62,000 |
| Peoria, IL | 6 | $ 367,000 | $ 61,166 | $ 42,000 |
| Reno-Sparks, NV | 6 | $ 984,000 | $ 164,000 | $ 74,000 |
| Rochester, NY | 6 | $ 532,000 | $ 88,666 | $ 59,000 |
| Austin-Round Rock, TX | 5 | $ 554,000 | $ 110,800 | $ 66,000 |
| Boulder, CO | 5 | $ 934,000 | $ 186,800 | $ 148,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 480,000 | $ 96,000 | $ 34,000 |
| Louisville, KY-IN | 5 | $ 467,000 | $ 93,400 | $ 0 |
| Yuma, AZ | 5 | $ 457,000 | $ 91,400 | $ 55,000 |
| Bend, OR | 4 | $ 829,000 | $ 207,250 | $ 73,000 |
| Boston-Quincy, MA | 4 | $ 982,000 | $ 245,500 | $ 57,000 |
| Charleston-North Charleston, SC | 4 | $ 270,000 | $ 67,500 | $ 73,000 |
| Dallas-Plano-Irving, TX | 4 | $ 412,000 | $ 103,000 | $ 55,000 |
| Duluth, MN-WI | 4 | $ 349,000 | $ 87,250 | $ 37,000 |
| Hanford-Corcoran, CA | 4 | $ 309,000 | $ 77,250 | $ 30,000 |
| Lansing-East Lansing, MI | 4 | $ 619,000 | $ 154,750 | $ 29,000 |
| Oklahoma City, OK | 4 | $ 476,000 | $ 119,000 | $ 30,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 549,000 | $ 137,250 | $ 28,000 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 705,000 | $ 176,250 | $ 74,000 |
| Prescott, AZ | 4 | $ 680,000 | $ 170,000 | $ 82,000 |
| Provo-Orem, UT | 4 | $ 992,000 | $ 248,000 | $ 78,000 |
| Raleigh-Cary, NC | 4 | $ 466,000 | $ 116,500 | $ 65,000 |
| Rapid City, SD | 4 | $ 351,000 | $ 87,750 | $ 19,000 |
| Redding, CA | 4 | $ 688,000 | $ 172,000 | $ 65,000 |
| Richmond, VA | 4 | $ 605,000 | $ 151,250 | $ 44,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 808,000 | $ 202,000 | $ 69,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 399,000 | $ 99,750 | $ 18,000 |
| Bremerton-Silverdale, WA | 3 | $ 326,000 | $ 108,666 | $ 42,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,160,000 | $ 386,666 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 753,000 | $ 251,000 | $ 158,000 |
| Eugene-Springfield, OR | 3 | $ 317,000 | $ 105,666 | $ 130,000 |
| Flint, MI | 3 | $ 253,000 | $ 84,333 | $ 8,000 |
| Kansas City, MO-KS | 3 | $ 415,000 | $ 138,333 | $ 20,000 |
| Knoxville, TN | 3 | $ 476,000 | $ 158,666 | $ 96,000 |
| Memphis, TN-MS-AR | 3 | $ 161,000 | $ 53,666 | $ 175,000 |
| Naples-Marco Island, FL | 3 | $ 509,000 | $ 169,666 | $ 54,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 218,000 | $ 72,666 | $ 26,000 |
| Panama City-Lynn Haven, FL | 3 | $ 237,000 | $ 79,000 | $ 35,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 365,000 | $ 121,666 | $ 123,000 |
| Pueblo, CO | 3 | $ 217,000 | $ 72,333 | $ 17,000 |
| Punta Gorda, FL | 3 | $ 506,000 | $ 168,666 | $ 25,000 |
| Reading, PA | 3 | $ 363,000 | $ 121,000 | $ 59,000 |
| Rockingham County-Strafford County, NH | 3 | $ 518,000 | $ 172,666 | $ 18,000 |
| Santa Fe, NM | 3 | $ 421,000 | $ 140,333 | $ 69,000 |
| Syracuse, NY | 3 | $ 259,000 | $ 86,333 | $ 47,000 |
| Trenton-Ewing, NJ | 3 | $ 515,000 | $ 171,666 | $ 82,000 |
| Utica-Rome, NY | 3 | $ 183,000 | $ 61,000 | $ 8,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 415,000 | $ 207,500 | $ 76,000 |
| Anchorage, AK | 2 | $ 468,000 | $ 234,000 | $ 91,000 |
| Baton Rouge, LA | 2 | $ 65,000 | $ 32,500 | $ 130,000 |
| Bellingham, WA | 2 | $ 251,000 | $ 125,500 | $ 39,000 |
| Carson City, NV | 2 | $ 432,000 | $ 216,000 | $ 0 |
| Champaign-Urbana, IL | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Cleveland, TN | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Dayton, OH | 2 | $ 262,000 | $ 131,000 | $ 120,000 |
| Elmira, NY | 2 | $ 216,000 | $ 108,000 | $ 36,000 |
| Fort Worth-Arlington, TX | 2 | $ 227,000 | $ 113,500 | $ 44,000 |
| Greensboro-High Point, NC | 2 | $ 388,000 | $ 194,000 | $ 15,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Indianapolis, IN | 2 | $ 233,000 | $ 116,500 | $ 85,000 |
| Joplin, MO | 2 | $ 175,000 | $ 87,500 | $ 22,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 214,000 | $ 107,000 | $ 69,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 659,000 | $ 329,500 | $ 106,000 |
| Lancaster, PA | 2 | $ 211,000 | $ 105,500 | $ 0 |
| Lexington-Fayette, KY | 2 | $ 730,000 | $ 365,000 | $ 84,000 |
| Longview, TX | 2 | $ 118,000 | $ 59,000 | $ 52,000 |
| Manchester-Nashua, NH | 2 | $ 424,000 | $ 212,000 | $ 36,000 |
| Michigan City-La Porte, IN | 2 | $ 269,000 | $ 134,500 | $ 15,000 |
| Monroe, MI | 2 | $ 166,000 | $ 83,000 | $ 85,000 |
| Ocala, FL | 2 | $ 194,000 | $ 97,000 | $ 33,000 |
| Ogden-Clearfield, UT | 2 | $ 120,000 | $ 60,000 | $ 28,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 2 | $ 344,000 | $ 172,000 | $ 63,000 |
| Salt Lake City, UT | 2 | $ 4,128,000 | $ 2,064,000 | $ 565,000 |
| Sheboygan, WI | 2 | $ 251,000 | $ 125,500 | $ 0 |
| Sioux City, IA-NE-SD | 2 | $ 199,000 | $ 99,500 | $ 277,000 |
| Williamsport, PA | 2 | $ 168,000 | $ 84,000 | $ 54,000 |
| Wilmington, NC | 2 | $ 183,000 | $ 91,500 | $ 67,000 |
| Akron, OH | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Bangor, ME | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Bismarck, ND | 1 | $ 210,000 | $ 210,000 | $ 190,000 |
| Bloomington-Normal, IL | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Boise City-Nampa, ID | 1 | $ 74,000 | $ 74,000 | $ 41,000 |
| Burlington-South Burlington, VT | 1 | $ 231,000 | $ 231,000 | $ 134,000 |
| Cheyenne, WY | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 118,000 | $ 118,000 | $ 107,000 |
| Coeur D'Alene, ID | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Columbia, SC | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Danville, IL | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Durham, NC | 1 | $ 200,000 | $ 200,000 | $ 134,000 |
| El Paso, TX | 1 | $ 181,000 | $ 181,000 | $ 48,000 |
| Elizabethtown, KY | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Erie, PA | 1 | $ 93,000 | $ 93,000 | $ 106,000 |
| Essex County, MA | 1 | $ 465,000 | $ 465,000 | $ 123,000 |
| Fairbanks, AK | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Farmington, NM | 1 | $ 117,000 | $ 117,000 | $ 82,000 |
| Fort Collins-Loveland, CO | 1 | $ 551,000 | $ 551,000 | $ 130,000 |
| Fort Wayne, IN | 1 | $ 313,000 | $ 313,000 | $ 90,000 |
| Gainesville, FL | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Glens Falls, NY | 1 | $ 168,000 | $ 168,000 | $ 229,000 |
| Grand Junction, CO | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Jackson, MS | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Jackson, TN | 1 | $ 80,000 | $ 80,000 | $ 20,000 |
| Janesville, WI | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Johnstown, PA | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Kalamazoo-Portage, MI | 1 | $ 241,000 | $ 241,000 | $ 198,000 |
| Kankakee-Bradley, IL | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Lakeland, FL | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Las Cruces, NM | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 156,000 | $ 156,000 | $ 36,000 |
| Little Rock-North Little Rock, AR | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 43,000 | $ 43,000 | $ 26,000 |
| Missoula, MT | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 28,000 | $ 28,000 | $ 47,000 |
| Ocean City, NJ | 1 | $ 189,000 | $ 189,000 | $ 57,000 |
| Owensboro, KY | 1 | $ 106,000 | $ 106,000 | $ 74,000 |
| Pine Bluff, AR | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Rochester, MN | 1 | $ 290,000 | $ 290,000 | $ 63,000 |
| Rockford, IL | 1 | $ 174,000 | $ 174,000 | $ 140,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 56,000 | $ 56,000 | $ 22,000 |
| Salisbury, MD | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| San Angelo, TX | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 104,000 | $ 104,000 | $ 55,000 |
| Spokane, WA | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Springfield, OH | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tallahassee, FL | 1 | $ 125,000 | $ 125,000 | $ 18,000 |
| Terre Haute, IN | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 250,000 | $ 250,000 | $ 121,000 |
| Yakima, WA | 1 | $ 96,000 | $ 96,000 | $ 32,000 |
| York-Hanover, PA | 1 | $ 167,000 | $ 167,000 | $ 62,000 |
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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