American Pioneer Financial Svc Mortgage Lending & HMDA Data, 2005
In 2005, American Pioneer Financial Svc of Draper, UT reported 1,053 mortgage applications totaling $182.5 million, down 19% from 2004. The average application was for $173,349, and applicants reported an average income of $92,038. 0% of its applications resulted in an originated loan and 93% were denied. Its largest markets were Las Vegas-Paradise, NV (139), Salt Lake City, UT (120) and Cleveland-Elyria-Mentor, OH (45) (applications in parentheses).
| Mortgage Company & Address | American Pioneer Financial Svc 12894 South Pony Express Rd Suite 600 Draper, UT 84020 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,053 |
| Total Mortgage Loan Application Amount | $182,537,000 |
| Average Mortgage Loan Application Amount | $173,349 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $92,038 |
| Highest Applicant Income | $1,596,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Pioneer Financial Svc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Clark, Nevada | 139 | $ 30,779,000 | $ 221,431 | $ 124,000 |
| Salt Lake, Utah | 102 | $ 15,489,000 | $ 151,852 | $ 100,000 |
| Maricopa, Arizona | 45 | $ 6,678,000 | $ 148,400 | $ 90,000 |
| Utah, Utah | 31 | $ 7,686,000 | $ 247,935 | $ 105,000 |
| Cuyahoga, Ohio | 30 | $ 3,743,000 | $ 124,766 | $ 51,000 |
| Stark, Ohio | 25 | $ 1,809,000 | $ 72,360 | $ 41,000 |
| Davis, Utah | 20 | $ 2,533,000 | $ 126,650 | $ 77,000 |
| Weber, Utah | 19 | $ 1,525,000 | $ 80,263 | $ 52,000 |
| Summit, Ohio | 17 | $ 1,696,000 | $ 99,764 | $ 44,000 |
| Los Angeles, California | 14 | $ 9,462,000 | $ 675,857 | $ 311,000 |
| Hamilton, Ohio | 14 | $ 733,000 | $ 52,357 | $ 114,000 |
| Harris, Texas | 12 | $ 1,084,000 | $ 90,333 | $ 100,000 |
| Jackson, Missouri | 10 | $ 618,000 | $ 61,800 | $ 48,000 |
| Dallas, Texas | 10 | $ 1,209,000 | $ 120,900 | $ 95,000 |
| Tooele, Utah | 10 | $ 921,000 | $ 92,100 | $ 51,000 |
| Hillsborough, Florida | 9 | $ 917,000 | $ 101,888 | $ 54,000 |
| Kern, California | 8 | $ 723,000 | $ 90,375 | $ 43,000 |
| Miami, Ohio | 8 | $ 550,000 | $ 68,750 | $ 58,000 |
| Summit, Utah | 8 | $ 3,626,000 | $ 453,250 | $ 103,000 |
| San Bernardino, California | 7 | $ 1,090,000 | $ 155,714 | $ 76,000 |
| Palm Beach, Florida | 7 | $ 1,351,000 | $ 193,000 | $ 67,000 |
| Pinellas, Florida | 7 | $ 1,330,000 | $ 190,000 | $ 155,000 |
| San Joaquin, California | 6 | $ 1,251,000 | $ 208,500 | $ 126,000 |
| Denver, Colorado | 6 | $ 789,000 | $ 131,500 | $ 66,000 |
| Brevard, Florida | 6 | $ 686,000 | $ 114,333 | $ 68,000 |
| Miami-Dade, Florida | 6 | $ 1,379,000 | $ 229,833 | $ 157,000 |
| Pasco, Florida | 6 | $ 661,000 | $ 110,166 | $ 70,000 |
| Marion, Indiana | 6 | $ 435,000 | $ 72,500 | $ 66,000 |
| Pima, Arizona | 5 | $ 422,000 | $ 84,400 | $ 96,000 |
| Santa Clara, California | 5 | $ 1,428,000 | $ 285,600 | $ 89,000 |
| Lake, Ohio | 5 | $ 1,199,000 | $ 239,800 | $ 120,000 |
| Lorain, Ohio | 5 | $ 524,000 | $ 104,800 | $ 70,000 |
| Medina, Ohio | 5 | $ 489,000 | $ 97,800 | $ 40,000 |
| Washington, Utah | 5 | $ 586,000 | $ 117,200 | $ 53,000 |
| Merced, California | 4 | $ 894,000 | $ 223,500 | $ 51,000 |
| Solano, California | 4 | $ 1,710,000 | $ 427,500 | $ 177,000 |
| Pueblo, Colorado | 4 | $ 200,000 | $ 50,000 | $ 38,000 |
| Broward, Florida | 4 | $ 661,000 | $ 165,250 | $ 71,000 |
| Seminole, Florida | 4 | $ 969,000 | $ 242,250 | $ 181,000 |
| Cook, Illinois | 4 | $ 1,198,000 | $ 299,500 | $ 113,000 |
| Clermont, Ohio | 4 | $ 258,000 | $ 64,500 | $ 110,000 |
| San Diego, California | 3 | $ 1,428,000 | $ 476,000 | $ 100,000 |
| Stanislaus, California | 3 | $ 502,000 | $ 167,333 | $ 66,000 |
| Jefferson, Colorado | 3 | $ 314,000 | $ 104,666 | $ 121,000 |
| Flagler, Florida | 3 | $ 349,000 | $ 116,333 | $ 49,000 |
| Orange, Florida | 3 | $ 384,000 | $ 128,000 | $ 34,000 |
| Lake, Indiana | 3 | $ 295,000 | $ 98,333 | $ 60,000 |
| Carroll, Ohio | 3 | $ 248,000 | $ 82,666 | $ 17,000 |
| Tarrant, Texas | 3 | $ 1,627,000 | $ 542,333 | $ 396,000 |
| Cache, Utah | 3 | $ 246,000 | $ 82,000 | $ 90,000 |
| Coconino, Arizona | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| Mohave, Arizona | 2 | $ 147,000 | $ 73,500 | $ 78,000 |
| Alameda, California | 2 | $ 411,000 | $ 205,500 | $ 82,000 |
| Contra Costa, California | 2 | $ 670,000 | $ 335,000 | $ 160,000 |
| Fresno, California | 2 | $ 492,000 | $ 246,000 | $ 21,000 |
| Monterey, California | 2 | $ 736,000 | $ 368,000 | $ 191,000 |
| Sacramento, California | 2 | $ 247,000 | $ 123,500 | $ 0 |
| San Mateo, California | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Adams, Colorado | 2 | $ 239,000 | $ 119,500 | $ 54,000 |
| Arapahoe, Colorado | 2 | $ 226,000 | $ 113,000 | $ 115,000 |
| Douglas, Colorado | 2 | $ 189,000 | $ 94,500 | $ 43,000 |
| El Paso, Colorado | 2 | $ 708,000 | $ 354,000 | $ 80,000 |
| Moffat, Colorado | 2 | $ 130,000 | $ 65,000 | $ 39,000 |
| Duval, Florida | 2 | $ 335,000 | $ 167,500 | $ 43,000 |
| Indian River, Florida | 2 | $ 908,000 | $ 454,000 | $ 1,382,000 |
| Lake, Florida | 2 | $ 425,000 | $ 212,500 | $ 81,000 |
| Lee, Florida | 2 | $ 208,000 | $ 104,000 | $ 55,000 |
| Putnam, Florida | 2 | $ 286,000 | $ 143,000 | $ 60,000 |
| Canyon, Idaho | 2 | $ 146,000 | $ 73,000 | $ 38,000 |
| LaPorte, Indiana | 2 | $ 155,000 | $ 77,500 | $ 64,000 |
| Wyandotte, Kansas | 2 | $ 88,000 | $ 44,000 | $ 56,000 |
| Pulaski, Kentucky | 2 | $ 328,000 | $ 164,000 | $ 198,000 |
| Prince George's, Maryland | 2 | $ 831,000 | $ 415,500 | $ 252,000 |
| Wayne, Michigan | 2 | $ 128,000 | $ 64,000 | $ 40,000 |
| Clay, Missouri | 2 | $ 75,000 | $ 37,500 | $ 34,000 |
| St. Louis City, Missouri | 2 | $ 125,000 | $ 62,500 | $ 59,000 |
| Franklin, Ohio | 2 | $ 161,000 | $ 80,500 | $ 64,000 |
| Shelby, Ohio | 2 | $ 89,000 | $ 44,500 | $ 84,000 |
| Cumberland, Tennessee | 2 | $ 128,000 | $ 64,000 | $ 33,000 |
| Sullivan, Tennessee | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Collin, Texas | 2 | $ 333,000 | $ 166,500 | $ 0 |
| Denton, Texas | 2 | $ 163,000 | $ 81,500 | $ 122,000 |
| Jasper, Texas | 2 | $ 150,000 | $ 75,000 | $ 146,000 |
| Travis, Texas | 2 | $ 3,251,000 | $ 1,625,500 | $ 810,000 |
| Wharton, Texas | 2 | $ 198,000 | $ 99,000 | $ 105,000 |
| Williamson, Texas | 2 | $ 268,000 | $ 134,000 | $ 111,000 |
| Carbon, Utah | 2 | $ 133,000 | $ 66,500 | $ 55,000 |
| Iron, Utah | 2 | $ 190,000 | $ 95,000 | $ 162,000 |
| Sanpete, Utah | 2 | $ 118,000 | $ 59,000 | $ 42,000 |
| Wasatch, Utah | 2 | $ 292,000 | $ 146,000 | $ 48,000 |
| Fairfax, Virginia | 2 | $ 239,000 | $ 119,500 | $ 96,000 |
| Uinta, Wyoming | 2 | $ 119,000 | $ 59,500 | $ 36,000 |
| Orange, California | 1 | $ 504,000 | $ 504,000 | $ 359,000 |
| Santa Barbara, California | 1 | $ 382,000 | $ 382,000 | $ 95,000 |
| Grand, Colorado | 1 | $ 472,000 | $ 472,000 | $ 216,000 |
| Montezuma, Colorado | 1 | $ 148,000 | $ 148,000 | $ 150,000 |
| Alachua, Florida | 1 | $ 137,000 | $ 137,000 | $ 31,000 |
| Manatee, Florida | 1 | $ 481,000 | $ 481,000 | $ 107,000 |
| Marion, Florida | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
| Polk, Florida | 1 | $ 153,000 | $ 153,000 | $ 36,000 |
| Sarasota, Florida | 1 | $ 310,000 | $ 310,000 | $ 102,000 |
| DeKalb, Georgia | 1 | $ 170,000 | $ 170,000 | $ 90,000 |
| Honolulu, Hawaii | 1 | $ 146,000 | $ 146,000 | $ 34,000 |
| Porter, Indiana | 1 | $ 144,000 | $ 144,000 | $ 30,000 |
| Jefferson, Kansas | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| Johnson, Kansas | 1 | $ 123,000 | $ 123,000 | $ 35,000 |
| Charles, Maryland | 1 | $ 214,000 | $ 214,000 | $ 99,000 |
| Sanilac, Michigan | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Greene, Missouri | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Nye, Nevada | 1 | $ 295,000 | $ 295,000 | $ 101,000 |
| Erie, Ohio | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Fulton, Ohio | 1 | $ 153,000 | $ 153,000 | $ 66,000 |
| Mahoning, Ohio | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 169,000 | $ 169,000 | $ 202,000 |
| Portage, Ohio | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Jackson, Oregon | 1 | $ 420,000 | $ 420,000 | $ 102,000 |
| Lane, Oregon | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| Horry, South Carolina | 1 | $ 204,000 | $ 204,000 | $ 102,000 |
| Rutherford, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Williamson, Tennessee | 1 | $ 111,000 | $ 111,000 | $ 600,000 |
| Wilson, Tennessee | 1 | $ 162,000 | $ 162,000 | $ 52,000 |
| Comal, Texas | 1 | $ 84,000 | $ 84,000 | $ 96,000 |
| Cooke, Texas | 1 | $ 55,000 | $ 55,000 | $ 10,000 |
| Millard, Utah | 1 | $ 64,000 | $ 64,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for American Pioneer Financial Svc 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 | 700 | $107,959,000 | $133,050 | $2,000,000 | $62,800 | $816,000 |
| Refinancing | 353 | $74,578,000 | $189,500 | $6,000,000 | $108,150 | $1,596,000 |
| 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 | 660 | $119,282,000 | $183,434 | $6,000,000 | $98,304 | $1,596,000 |
| Hispanic | 177 | $27,763,000 | $124,636 | $2,000,000 | $57,272 | $720,000 |
| Black or African American | 102 | $14,817,000 | $151,909 | $735,000 | $71,909 | $420,000 |
| Asian | 51 | $9,253,000 | $144,666 | $825,000 | $64,333 | $480,000 |
| Not Provided | 48 | $8,539,000 | $163,166 | $765,000 | $85,416 | $1,382,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $1,810,000 | $140,666 | $404,000 | $61,000 | $156,000 |
| American Indian or Alaskan Native | 2 | $1,073,000 | $536,000 | $750,000 | $240,000 | $240,000 |
| 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) | 1,051 | $182,303,000 | $168,375 | $6,000,000 | $84,666 | $1,596,000 |
| FHA-insured (Federal Housing Administration) | 1 | $142,000 | $142,000 | $142,000 | $60,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $92,000 | $92,000 | $92,000 | $120,000 | $120,000 |
| 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 Denied By Financial Institution | 981 | $164,936,000 | $155,043 | $6,000,000 | $89,304 | $1,596,000 |
| Application Approved But Not Accepted | 39 | $10,272,000 | $312,777 | $2,000,000 | $100,555 | $720,000 |
| Application Withdrawn By Applicant | 27 | $6,231,000 | $220,142 | $750,000 | $92,428 | $480,000 |
| Loan Originated | 4 | $608,000 | $181,000 | $240,000 | $90,500 | $104,000 |
| Preapproval Denied by Financial Institution | 2 | $490,000 | $245,000 | $392,000 | $114,000 | $120,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Other | 703 | $119,655,000 | $156,454 | $6,000,000 | $95,000 | $1,596,000 |
| Credit History | 92 | $12,920,000 | $140,166 | $831,000 | $66,500 | $600,000 |
| Credit Application Incomplete | 87 | $17,086,000 | $156,600 | $1,125,000 | $78,400 | $720,000 |
| Unverifiable Information | 24 | $4,578,000 | $252,666 | $750,000 | $118,333 | $348,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 21 | $2,417,000 | $130,000 | $500,000 | $81,000 | $300,000 |
| Debt-To-Income Ratio | 21 | $3,341,000 | $136,375 | $735,000 | $49,750 | $162,000 |
| Collateral | 20 | $2,056,000 | $112,666 | $340,000 | $70,666 | $180,000 |
| Employment History | 15 | $3,373,000 | $214,000 | $1,040,000 | $75,833 | $300,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Pioneer Financial Svc'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 Pioneer Financial Svc'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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