American Lending Group, Inc Mortgage Lending & HMDA Data, 2006
In 2006, American Lending Group, Inc of Lexington, KY reported 1,741 mortgage applications totaling $221.1 million, up 72% from 2005. The average application was for $126,974, and applicants reported an average income of $30,031. 13% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Lexington-Fayette, KY (318), Louisville-Jefferson County, KY-IN (70) and Bowling Green, KY (15) (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 | 1,741 |
| Total Mortgage Loan Application Amount | $221,062,000 |
| Average Mortgage Loan Application Amount | $126,974 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $30,031 |
| Highest Applicant Income | $449,000 |
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records American Lending Group, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 220 | $ 28,610,000 | $ 130,045 | $ 47,000 |
| Jefferson, Kentucky | 44 | $ 4,869,000 | $ 110,659 | $ 28,000 |
| Jessamine, Kentucky | 41 | $ 4,158,000 | $ 101,414 | $ 34,000 |
| Woodford, Kentucky | 25 | $ 3,827,000 | $ 153,080 | $ 50,000 |
| Scott, Kentucky | 18 | $ 2,663,000 | $ 147,944 | $ 52,000 |
| Warren, Kentucky | 14 | $ 1,094,000 | $ 78,142 | $ 34,000 |
| Madison, Kentucky | 12 | $ 1,454,000 | $ 121,166 | $ 39,000 |
| Clark, Kentucky | 10 | $ 1,641,000 | $ 164,100 | $ 64,000 |
| Daviess, Kentucky | 9 | $ 1,343,000 | $ 149,222 | $ 26,000 |
| Franklin, Kentucky | 9 | $ 1,016,000 | $ 112,888 | $ 32,000 |
| Montgomery, Kentucky | 8 | $ 717,000 | $ 89,625 | $ 26,000 |
| Pulaski, Kentucky | 8 | $ 717,000 | $ 89,625 | $ 32,000 |
| Garrard, Kentucky | 7 | $ 829,000 | $ 118,428 | $ 50,000 |
| Anderson, Kentucky | 6 | $ 652,000 | $ 108,666 | $ 27,000 |
| Bullitt, Kentucky | 6 | $ 710,000 | $ 118,333 | $ 26,000 |
| Oldham, Kentucky | 6 | $ 861,000 | $ 143,500 | $ 70,000 |
| Gwinnett, Georgia | 5 | $ 852,000 | $ 170,400 | $ 22,000 |
| Mercer, Kentucky | 5 | $ 585,000 | $ 117,000 | $ 36,000 |
| Nelson, Kentucky | 5 | $ 607,000 | $ 121,400 | $ 22,000 |
| Bourbon, Kentucky | 4 | $ 197,000 | $ 49,250 | $ 44,000 |
| Laurel, Kentucky | 4 | $ 622,000 | $ 155,500 | $ 40,000 |
| Lee, Florida | 3 | $ 1,283,000 | $ 427,666 | $ 10,000 |
| Boyle, Kentucky | 3 | $ 894,000 | $ 298,000 | $ 56,000 |
| Harrison, Kentucky | 3 | $ 252,000 | $ 84,000 | $ 16,000 |
| Kenton, Kentucky | 3 | $ 452,000 | $ 150,666 | $ 32,000 |
| Lincoln, Kentucky | 3 | $ 359,000 | $ 119,666 | $ 24,000 |
| Powell, Kentucky | 3 | $ 269,000 | $ 89,666 | $ 37,000 |
| Shelby, Kentucky | 3 | $ 397,000 | $ 132,333 | $ 51,000 |
| Rockdale, Georgia | 2 | $ 745,000 | $ 372,500 | $ 10,000 |
| Clark, Indiana | 2 | $ 220,000 | $ 110,000 | $ 13,000 |
| Floyd, Indiana | 2 | $ 330,000 | $ 165,000 | $ 26,000 |
| Allen, Kentucky | 2 | $ 82,000 | $ 41,000 | $ 37,000 |
| Barren, Kentucky | 2 | $ 233,000 | $ 116,500 | $ 10,000 |
| Boone, Kentucky | 2 | $ 303,000 | $ 151,500 | $ 70,000 |
| Butler, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 38,000 |
| Nicholas, Kentucky | 2 | $ 305,000 | $ 152,500 | $ 18,000 |
| Owen, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 10,000 |
| Spencer, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 28,000 |
| Washington, Kentucky | 2 | $ 163,000 | $ 81,500 | $ 10,000 |
| Blount, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 33,000 |
| Brazoria, Texas | 2 | $ 168,000 | $ 84,000 | $ 69,000 |
| Limestone, Alabama | 1 | $ 179,000 | $ 179,000 | $ 10,000 |
| Maricopa, Arizona | 1 | $ 51,000 | $ 51,000 | $ 47,000 |
| Fresno, California | 1 | $ 320,000 | $ 320,000 | $ 65,000 |
| Los Angeles, California | 1 | $ 260,000 | $ 260,000 | $ 74,000 |
| San Bernardino, California | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Santa Clara, California | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Ventura, California | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Denver, Colorado | 1 | $ 302,000 | $ 302,000 | $ 76,000 |
| Broward, Florida | 1 | $ 226,000 | $ 226,000 | $ 23,000 |
| Clay, Florida | 1 | $ 225,000 | $ 225,000 | $ 10,000 |
| Duval, Florida | 1 | $ 37,000 | $ 37,000 | $ 44,000 |
| Pasco, Florida | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Polk, Florida | 1 | $ 166,000 | $ 166,000 | $ 58,000 |
| Cherokee, Georgia | 1 | $ 210,000 | $ 210,000 | $ 10,000 |
| Cobb, Georgia | 1 | $ 190,000 | $ 190,000 | $ 10,000 |
| DeKalb, Georgia | 1 | $ 361,000 | $ 361,000 | $ 10,000 |
| Fayette, Georgia | 1 | $ 261,000 | $ 261,000 | $ 300,000 |
| Fulton, Georgia | 1 | $ 154,000 | $ 154,000 | $ 10,000 |
| Habersham, Georgia | 1 | $ 300,000 | $ 300,000 | $ 10,000 |
| Henry, Georgia | 1 | $ 115,000 | $ 115,000 | $ 10,000 |
| Madison, Georgia | 1 | $ 175,000 | $ 175,000 | $ 20,000 |
| Peach, Georgia | 1 | $ 100,000 | $ 100,000 | $ 10,000 |
| Sumter, Georgia | 1 | $ 60,000 | $ 60,000 | $ 10,000 |
| Thomas, Georgia | 1 | $ 154,000 | $ 154,000 | $ 10,000 |
| Troup, Georgia | 1 | $ 76,000 | $ 76,000 | $ 18,000 |
| Lake, Illinois | 1 | $ 296,000 | $ 296,000 | $ 10,000 |
| Breathitt, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 34,000 |
| Breckinridge, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 50,000 |
| Calloway, Kentucky | 1 | $ 102,000 | $ 102,000 | $ 55,000 |
| Carter, Kentucky | 1 | $ 94,000 | $ 94,000 | $ 10,000 |
| Edmonson, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 10,000 |
| Fulton, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 10,000 |
| Grayson, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 10,000 |
| Greenup, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 42,000 |
| Hardin, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 10,000 |
| Harlan, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 103,000 |
| Henderson, Kentucky | 1 | $ 51,000 | $ 51,000 | $ 25,000 |
| Knox, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 10,000 |
| McCracken, Kentucky | 1 | $ 119,000 | $ 119,000 | $ 97,000 |
| Ohio, Kentucky | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Pike, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 10,000 |
| Rockcastle, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 10,000 |
| Rowan, Kentucky | 1 | $ 256,000 | $ 256,000 | $ 10,000 |
| Simpson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 10,000 |
| Taylor, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 51,000 |
| Trigg, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Union, Kentucky | 1 | $ 43,000 | $ 43,000 | $ 10,000 |
| Webster, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 20,000 |
| Wolfe, Kentucky | 1 | $ 49,000 | $ 49,000 | $ 24,000 |
| Frederick, Maryland | 1 | $ 725,000 | $ 725,000 | $ 10,000 |
| Worcester, Massachusetts | 1 | $ 32,000 | $ 32,000 | $ 10,000 |
| Van Buren, Michigan | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Jefferson, Missouri | 1 | $ 87,000 | $ 87,000 | $ 10,000 |
| Kings, New York | 1 | $ 400,000 | $ 400,000 | $ 50,000 |
| Transylvania, North Carolina | 1 | $ 144,000 | $ 144,000 | $ 48,000 |
| Franklin, Ohio | 1 | $ 159,000 | $ 159,000 | $ 56,000 |
| Hamilton, Ohio | 1 | $ 266,000 | $ 266,000 | $ 60,000 |
| Lawrence, Ohio | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Montgomery, Ohio | 1 | $ 149,000 | $ 149,000 | $ 55,000 |
| Stark, Ohio | 1 | $ 144,000 | $ 144,000 | $ 61,000 |
| Summit, Ohio | 1 | $ 89,000 | $ 89,000 | $ 10,000 |
| Clackamas, Oregon | 1 | $ 185,000 | $ 185,000 | $ 10,000 |
| Carter, Tennessee | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Knox, Tennessee | 1 | $ 149,000 | $ 149,000 | $ 59,000 |
| Harris, Texas | 1 | $ 200,000 | $ 200,000 | $ 10,000 |
| Nueces, Texas | 1 | $ 73,000 | $ 73,000 | $ 133,000 |
| Fairfax, Virginia | 1 | $ 385,000 | $ 385,000 | $ 10,000 |
| Hanover, Virginia | 1 | $ 105,000 | $ 105,000 | $ 10,000 |
| Campbell, Wyoming | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for American Lending Group, Inc in 2006
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 | 884 | $116,161,000 | $131,000 | $950,000 | $32,000 | $449,000 |
| Refinancing | 857 | $104,901,000 | $122,000 | $880,000 | $28,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 941 | $118,134,000 | $125,000 | $950,000 | $22,000 | $300,000 |
| White | 713 | $92,024,000 | $129,000 | $880,000 | $41,000 | $449,000 |
| Black or African American | 50 | $5,814,000 | $116,000 | $428,000 | $21,000 | $119,000 |
| Asian | 19 | $3,212,000 | $169,000 | $360,000 | $44,000 | $100,000 |
| Hispanic | 15 | $1,522,000 | $101,000 | $215,000 | $27,000 | $75,000 |
| American Indian or Alaskan Native | 2 | $254,000 | $127,000 | $127,000 | $105,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $102,000 | $102,000 | $102,000 | $10,000 | $10,000 |
| 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) | 1,741 | $221,062,000 | $126,000 | $950,000 | $30,000 | $449,000 |
| 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 Withdrawn By Applicant | 1,085 | $144,203,000 | $132,000 | $950,000 | $29,000 | $400,000 |
| Application Denied By Financial Institution | 430 | $44,883,000 | $104,000 | $755,000 | $18,000 | $240,000 |
| Loan Originated | 226 | $31,976,000 | $141,000 | $880,000 | $59,000 | $449,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 346 | $35,147,000 | $101,000 | $755,000 | $18,000 | $125,000 |
| Debt-To-Income Ratio | 40 | $4,736,000 | $118,000 | $350,000 | $23,000 | $150,000 |
| Collateral | 12 | $1,413,000 | $117,000 | $392,000 | $32,000 | $240,000 |
| Credit Application Incomplete | 10 | $1,062,000 | $106,000 | $184,000 | $14,000 | $40,000 |
| Other | 10 | $1,225,000 | $122,000 | $296,000 | $21,000 | $54,000 |
| Unverifiable Information | 6 | $770,000 | $128,000 | $180,000 | $10,000 | $10,000 |
| Employment History | 3 | $270,000 | $90,000 | $115,000 | $10,000 | $10,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $23,000 | $23,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Lending Group, Inc's 2006 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.
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