American Interbanc Mortgage, Llc. Mortgage Lending & HMDA Data, 2012
In 2012, American Interbanc Mortgage, Llc. of Irvine, CA reported 1,982 mortgage applications totaling $607.8 million, up 27% from 2011. The average application was for $306,658, and applicants reported an average income of $131,332. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Santa Ana-Anaheim-Irvine, CA (330), Los Angeles-Long Beach-Glendale, CA (303) and San Diego-Carlsbad-San Marcos, CA (189) (applications in parentheses).
| Mortgage Company & Address | American Interbanc Mortgage, Llc. 4 Park Plaza #650 Irvine, CA 92614 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,982 |
| Total Mortgage Loan Application Amount | $607,797,000 |
| Average Mortgage Loan Application Amount | $306,658 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $131,332 |
| Highest Applicant Income | $800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Interbanc Mortgage, 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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Ana-Anaheim-Irvine, CA | 330 | $ 120,050,000 | $ 363,787 | $ 145,000 |
| Los Angeles-Long Beach-Glendale, CA | 303 | $ 95,821,000 | $ 316,240 | $ 132,000 |
| San Diego-Carlsbad-San Marcos, CA | 189 | $ 60,895,000 | $ 322,195 | $ 136,000 |
| Oakland-Fremont-Hayward, CA | 111 | $ 38,074,000 | $ 343,009 | $ 141,000 |
| Riverside-San Bernardino-Ontario, CA | 108 | $ 25,130,000 | $ 232,685 | $ 117,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 90 | $ 33,936,000 | $ 377,066 | $ 156,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 89 | $ 22,543,000 | $ 253,292 | $ 113,000 |
| Cambridge-Newton-Framingham, MA | 88 | $ 25,997,000 | $ 295,420 | $ 131,000 |
| Seattle-Bellevue-Everett, WA | 86 | $ 24,687,000 | $ 287,058 | $ 124,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 59 | $ 19,304,000 | $ 327,186 | $ 130,000 |
| Boston-Quincy, MA | 47 | $ 12,366,000 | $ 263,106 | $ 123,000 |
| San Francisco-San Mateo-Redwood City, CA | 47 | $ 18,380,000 | $ 391,063 | $ 162,000 |
| Peabody, MA | 32 | $ 8,900,000 | $ 278,125 | $ 124,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 31 | $ 8,338,000 | $ 268,967 | $ 118,032 |
| Philadelphia, PA | 24 | $ 6,342,000 | $ 264,250 | $ 133,000 |
| Worcester, MA | 23 | $ 5,442,000 | $ 236,608 | $ 125,000 |
| Springfield, MA | 19 | $ 4,300,000 | $ 226,315 | $ 103,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 17 | $ 6,087,000 | $ 358,058 | $ 139,000 |
| San Luis Obispo-Paso Robles, CA | 16 | $ 5,902,000 | $ 368,875 | $ 144,000 |
| Santa Rosa-Petaluma, CA | 15 | $ 4,314,000 | $ 287,600 | $ 160,000 |
| Spokane, WA | 13 | $ 2,383,000 | $ 183,307 | $ 96,000 |
| Tacoma, WA | 13 | $ 3,057,000 | $ 235,153 | $ 86,000 |
| Olympia, WA | 11 | $ 2,058,000 | $ 187,090 | $ 111,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 2,697,000 | $ 269,700 | $ 102,000 |
| Fresno, CA | 9 | $ 2,099,000 | $ 233,222 | $ 107,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 1,947,000 | $ 216,333 | $ 100,000 |
| Bakersfield-Delano, CA | 8 | $ 1,885,000 | $ 235,625 | $ 95,000 |
| Newark-Union, NJ-PA | 8 | $ 2,451,000 | $ 306,375 | $ 167,000 |
| Stockton, CA | 8 | $ 1,607,000 | $ 200,875 | $ 106,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,188,000 | $ 273,500 | $ 153,000 |
| Boise City-Nampa, ID | 7 | $ 1,051,000 | $ 150,142 | $ 62,000 |
| Bremerton-Silverdale, WA | 7 | $ 2,063,000 | $ 294,714 | $ 104,000 |
| Modesto, CA | 7 | $ 1,165,000 | $ 166,428 | $ 96,000 |
| Phoenix-Mesa-Glendale, AZ | 6 | $ 1,807,000 | $ 301,166 | $ 133,000 |
| Salinas, CA | 6 | $ 1,828,000 | $ 304,666 | $ 80,000 |
| Salt Lake City, UT | 6 | $ 2,508,000 | $ 418,000 | $ 160,000 |
| Barnstable Town, MA | 5 | $ 1,045,000 | $ 209,000 | $ 135,000 |
| Bellingham, WA | 5 | $ 1,567,000 | $ 313,400 | $ 108,000 |
| Camden, NJ | 4 | $ 842,000 | $ 210,500 | $ 113,000 |
| Chico, CA | 4 | $ 798,000 | $ 199,500 | $ 122,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,157,000 | $ 289,250 | $ 135,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 973,000 | $ 243,250 | $ 120,000 |
| Corvallis, OR | 3 | $ 642,000 | $ 214,000 | $ 88,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 713,000 | $ 237,666 | $ 180,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 565,000 | $ 188,333 | $ 140,000 |
| Merced, CA | 3 | $ 734,000 | $ 244,666 | $ 100,000 |
| Ogden-Clearfield, UT | 3 | $ 957,000 | $ 319,000 | $ 103,000 |
| Pittsburgh, PA | 3 | $ 834,000 | $ 278,000 | $ 124,000 |
| Provo-Orem, UT | 3 | $ 894,000 | $ 298,000 | $ 132,000 |
| Salem, OR | 3 | $ 615,000 | $ 205,000 | $ 62,000 |
| Trenton-Ewing, NJ | 3 | $ 640,000 | $ 213,333 | $ 115,000 |
| Tucson, AZ | 3 | $ 428,000 | $ 142,666 | $ 103,000 |
| York-Hanover, PA | 3 | $ 483,000 | $ 161,000 | $ 92,000 |
| Lancaster, PA | 2 | $ 370,000 | $ 185,000 | $ 75,000 |
| Longview, WA | 2 | $ 389,000 | $ 194,500 | $ 74,000 |
| Napa, CA | 2 | $ 545,000 | $ 272,500 | $ 76,000 |
| Wenatchee-East Wenatchee, WA | 2 | $ 319,000 | $ 159,500 | $ 121,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Bend, OR | 1 | $ 176,000 | $ 176,000 | $ 47,000 |
| El Centro, CA | 1 | $ 254,000 | $ 254,000 | $ 97,000 |
| Fort Worth-Arlington, TX | 1 | $ 202,000 | $ 202,000 | $ 113,000 |
| Harrisburg-Carlisle, PA | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 106,000 | $ 106,000 | $ 158,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Pittsfield, MA | 1 | $ 243,000 | $ 243,000 | $ 150,000 |
| Reading, PA | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Redding, CA | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| St. George, UT | 1 | $ 227,000 | $ 227,000 | $ 81,000 |
| Visalia-Porterville, CA | 1 | $ 234,000 | $ 234,000 | $ 71,000 |
| Yuba City, CA | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for American Interbanc Mortgage, Llc. in 2012
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 | 1,872 | $571,738,000 | $305,000 | $975,000 | $131,000 | $800,000 |
| Home Purchase | 110 | $36,059,000 | $327,000 | $626,000 | $137,000 | $439,000 |
| 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 | 1,479 | $452,772,000 | $306,000 | $975,000 | $133,000 | $800,000 |
| Asian | 355 | $114,525,000 | $322,000 | $750,000 | $135,000 | $613,000 |
| Hispanic | 118 | $33,136,000 | $280,000 | $697,000 | $109,000 | $390,000 |
| Black or African American | 19 | $4,618,000 | $243,000 | $424,000 | $101,000 | $213,000 |
| American Indian or Alaskan Native | 9 | $2,308,000 | $256,000 | $480,000 | $121,000 | $217,000 |
| Not Provided | 2 | $438,000 | $219,000 | $238,000 | $80,000 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,982 | $607,797,000 | $306,000 | $975,000 | $132,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,632 | $500,129,000 | $306,000 | $975,000 | $133,000 | $727,000 |
| Application Withdrawn By Applicant | 176 | $57,377,000 | $326,000 | $626,000 | $137,000 | $800,000 |
| Application Denied By Financial Institution | 92 | $27,477,000 | $298,000 | $750,000 | $110,000 | $500,000 |
| Application Approved But Not Accepted | 72 | $20,749,000 | $288,000 | $626,000 | $119,000 | $246,000 |
| File Closed For Incompleteness | 10 | $2,065,000 | $206,000 | $368,000 | $151,000 | $500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 10 | $1,943,000 | $194,000 | $417,000 | $153,000 | $500,000 |
| Other | 8 | $1,860,000 | $232,000 | $380,000 | $144,000 | $231,000 |
| Debt-To-Income Ratio | 6 | $1,779,000 | $296,000 | $546,000 | $62,000 | $117,000 |
| Unverifiable Information | 2 | $535,000 | $267,000 | $285,000 | $77,000 | $108,000 |
| Employment History | 1 | $570,000 | $570,000 | $570,000 | $242,000 | $242,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Interbanc Mortgage, Llc.'s 2012 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 Interbanc Mortgage, 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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