American Lending Group, Inc Mortgage Lending & HMDA Data, 2005
In 2005, American Lending Group, Inc of Lexington, KY reported 1,012 mortgage applications totaling $122.4 million. The average application was for $120,916, and applicants reported an average income of $43,099. 30% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Lexington-Fayette, KY (299), Louisville, KY-IN (40) and Bowling Green, KY (8) (applications in parentheses).
| Mortgage Company & Address | American Lending Group, Inc 3288 Eagle View Ln, Ste 300 Lexington, KY 40509 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,012 |
| Total Mortgage Loan Application Amount | $122,367,000 |
| Average Mortgage Loan Application Amount | $120,916 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $43,099 |
| Highest Applicant Income | $700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Lending Group, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fayette, Kentucky | 225 | $ 26,173,000 | $ 116,324 | $ 36,000 |
| Jefferson, Kentucky | 26 | $ 3,442,000 | $ 132,384 | $ 51,000 |
| Jessamine, Kentucky | 25 | $ 3,472,000 | $ 138,880 | $ 67,000 |
| Woodford, Kentucky | 23 | $ 2,487,000 | $ 108,130 | $ 54,000 |
| Madison, Kentucky | 17 | $ 1,402,000 | $ 82,470 | $ 50,000 |
| Scott, Kentucky | 15 | $ 1,391,000 | $ 92,733 | $ 60,000 |
| Anderson, Kentucky | 10 | $ 1,394,000 | $ 139,400 | $ 53,000 |
| Clark, Kentucky | 8 | $ 525,000 | $ 65,625 | $ 36,000 |
| Warren, Kentucky | 8 | $ 485,000 | $ 60,625 | $ 50,000 |
| Mercer, Kentucky | 6 | $ 590,000 | $ 98,333 | $ 33,000 |
| Bullitt, Kentucky | 5 | $ 1,222,000 | $ 244,400 | $ 77,000 |
| Daviess, Kentucky | 5 | $ 264,000 | $ 52,800 | $ 41,000 |
| Garrard, Kentucky | 5 | $ 750,000 | $ 150,000 | $ 57,000 |
| Bourbon, Kentucky | 4 | $ 967,000 | $ 241,750 | $ 102,000 |
| Franklin, Kentucky | 4 | $ 526,000 | $ 131,500 | $ 38,000 |
| Washington, Kentucky | 4 | $ 396,000 | $ 99,000 | $ 22,000 |
| Kenton, Kentucky | 3 | $ 469,000 | $ 156,333 | $ 44,000 |
| Montgomery, Kentucky | 3 | $ 325,000 | $ 108,333 | $ 29,000 |
| Nelson, Kentucky | 3 | $ 135,000 | $ 45,000 | $ 32,000 |
| Volusia, Florida | 2 | $ 1,125,000 | $ 562,500 | $ 500,000 |
| Boone, Kentucky | 2 | $ 889,000 | $ 444,500 | $ 129,000 |
| Campbell, Kentucky | 2 | $ 206,000 | $ 103,000 | $ 40,000 |
| Hopkins, Kentucky | 2 | $ 328,000 | $ 164,000 | $ 25,000 |
| McCracken, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 55,000 |
| Shelby, Kentucky | 2 | $ 104,000 | $ 52,000 | $ 25,000 |
| Spencer, Kentucky | 2 | $ 245,000 | $ 122,500 | $ 38,000 |
| Baldwin, Alabama | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Maricopa, Arizona | 1 | $ 322,000 | $ 322,000 | $ 68,000 |
| Pima, Arizona | 1 | $ 144,000 | $ 144,000 | $ 29,000 |
| Fresno, California | 1 | $ 359,000 | $ 359,000 | $ 121,000 |
| Lake, California | 1 | $ 35,000 | $ 35,000 | $ 10,000 |
| Orange, California | 1 | $ 190,000 | $ 190,000 | $ 41,000 |
| Sacramento, California | 1 | $ 239,000 | $ 239,000 | $ 54,000 |
| Broward, Florida | 1 | $ 342,000 | $ 342,000 | $ 95,000 |
| Pinellas, Florida | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Sarasota, Florida | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Chatham, Georgia | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| DeKalb, Georgia | 1 | $ 154,000 | $ 154,000 | $ 50,000 |
| Douglas, Georgia | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Fulton, Georgia | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Clark, Indiana | 1 | $ 63,000 | $ 63,000 | $ 10,000 |
| Shelby, Indiana | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Barren, Kentucky | 1 | $ 203,000 | $ 203,000 | $ 50,000 |
| Boyd, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Carter, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 10,000 |
| Floyd, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 88,000 |
| Gallatin, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Grant, Kentucky | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| Graves, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 32,000 |
| Grayson, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 80,000 |
| Hardin, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Harrison, Kentucky | 1 | $ 158,000 | $ 158,000 | $ 56,000 |
| Laurel, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Lincoln, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Logan, Kentucky | 1 | $ 252,000 | $ 252,000 | $ 146,000 |
| McLean, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Meade, Kentucky | 1 | $ 129,000 | $ 129,000 | $ 61,000 |
| Oldham, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 24,000 |
| Trigg, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 20,000 |
| Oakland, Michigan | 1 | $ 75,000 | $ 75,000 | $ 10,000 |
| Van Buren, Michigan | 1 | $ 68,000 | $ 68,000 | $ 28,000 |
| Clark, Nevada | 1 | $ 40,000 | $ 40,000 | $ 47,000 |
| Nassau, New York | 1 | $ 100,000 | $ 100,000 | $ 10,000 |
| Robeson, North Carolina | 1 | $ 80,000 | $ 80,000 | $ 67,000 |
| Butler, Ohio | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Hamilton, Ohio | 1 | $ 117,000 | $ 117,000 | $ 39,000 |
| Stark, Ohio | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Union, Oregon | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Horry, South Carolina | 1 | $ 79,000 | $ 79,000 | $ 67,000 |
| Bradley, Tennessee | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| San Jacinto, Texas | 1 | $ 47,000 | $ 47,000 | $ 24,000 |
| Tom Green, Texas | 1 | $ 40,000 | $ 40,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for American Lending Group, Inc in 2005
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 | 674 | $86,304,000 | $223,384 | $800,000 | $67,538 | $700,000 |
| Refinancing | 337 | $36,048,000 | $145,266 | $1,000,000 | $62,333 | $520,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $26,000 | $26,000 |
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 | 521 | $66,041,000 | $161,200 | $1,000,000 | $64,133 | $520,000 |
| Not Provided | 436 | $49,123,000 | $174,000 | $800,000 | $55,416 | $700,000 |
| Black or African American | 38 | $4,899,000 | $223,250 | $460,000 | $61,500 | $119,000 |
| Asian | 11 | $1,571,000 | $112,000 | $300,000 | $26,500 | $80,000 |
| Hispanic | 6 | $733,000 | $130,500 | $162,000 | $33,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 976 | $117,700,000 | $174,388 | $1,000,000 | $66,333 | $700,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,099,000 | $109,000 | $182,000 | $32,666 | $70,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,568,000 | $171,500 | $332,000 | $49,250 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Withdrawn By Applicant | 496 | $62,790,000 | $172,823 | $800,000 | $68,823 | $700,000 |
| Loan Originated | 306 | $40,914,000 | $199,200 | $1,000,000 | $71,800 | $480,000 |
| Application Denied By Financial Institution | 210 | $18,663,000 | $77,142 | $650,000 | $31,571 | $200,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 152 | $12,380,000 | $82,000 | $260,000 | $34,666 | $113,000 |
| Debt-To-Income Ratio | 31 | $3,175,000 | $99,000 | $256,000 | $23,000 | $99,000 |
| Employment History | 12 | $1,646,000 | $94,333 | $650,000 | $31,000 | $200,000 |
| Other | 8 | $807,000 | $72,500 | $210,000 | $22,500 | $68,000 |
| Collateral | 7 | $655,000 | $83,500 | $148,000 | $32,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Lending Group, Inc's 2005 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 Lending Group, Inc'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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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