American Pioneer Financial Svc Mortgage Lending & HMDA Data, 2004
In 2004, American Pioneer Financial Svc of Draper, UT reported 1,306 mortgage applications totaling $198.1 million, down 34% from 2003. The average application was for $151,671, and applicants reported an average income of $80,342. 6% of its applications resulted in an originated loan and 94% were denied. Its largest markets were Las Vegas-Paradise, NV (181), Salt Lake City, UT (174) and Provo-Orem, UT (136) (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 | 1,306 |
| Total Mortgage Loan Application Amount | $198,083,000 |
| Average Mortgage Loan Application Amount | $151,671 |
| Highest Mortgage Loan Application Amount | $1,739,000 |
| Average Applicant Income | $80,342 |
| Highest Applicant Income | $7,800,000 |
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records American Pioneer Financial Svc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Las Vegas-Paradise, NV | 181 | $ 33,008,000 | $ 182,364 | $ 87,000 |
| Salt Lake City, UT | 174 | $ 26,363,000 | $ 151,511 | $ 84,000 |
| Provo-Orem, UT | 136 | $ 20,346,000 | $ 149,602 | $ 62,000 |
| Ogden-Clearfield, UT | 54 | $ 8,706,000 | $ 161,222 | $ 91,000 |
| Denver-Aurora, CO | 41 | $ 7,198,000 | $ 175,560 | $ 74,000 |
| Bakersfield, CA | 37 | $ 4,038,000 | $ 109,135 | $ 49,000 |
| Phoenix-Mesa-Scottsdale, AZ | 31 | $ 5,344,000 | $ 172,387 | $ 64,000 |
| Akron, OH | 22 | $ 2,176,000 | $ 98,909 | $ 76,000 |
| St. George, UT | 20 | $ 1,858,000 | $ 92,900 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 15 | $ 2,006,000 | $ 133,733 | $ 50,000 |
| Canton-Massillon, OH | 14 | $ 1,276,000 | $ 91,142 | $ 61,000 |
| Nashville-Davidson--Murfreesboro, TN | 12 | $ 1,212,000 | $ 101,000 | $ 150,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 2,789,000 | $ 253,545 | $ 77,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 2,167,000 | $ 197,000 | $ 61,000 |
| Greeley, CO | 9 | $ 775,000 | $ 86,111 | $ 54,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 991,000 | $ 110,111 | $ 33,000 |
| Salinas, CA | 8 | $ 1,892,000 | $ 236,500 | $ 70,000 |
| Colorado Springs, CO | 6 | $ 694,000 | $ 115,666 | $ 61,000 |
| Tucson, AZ | 6 | $ 774,000 | $ 129,000 | $ 87,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 511,000 | $ 85,166 | $ 36,000 |
| Grand Junction, CO | 5 | $ 437,000 | $ 87,400 | $ 30,000 |
| Johnson City, TN | 5 | $ 452,000 | $ 90,400 | $ 31,000 |
| Oakland-Fremont-Hayward, CA | 5 | $ 1,093,000 | $ 218,600 | $ 33,000 |
| Portland-Vancouver-Beaverton, OR-WA | 5 | $ 409,000 | $ 81,800 | $ 108,000 |
| Austin-Round Rock, TX | 3 | $ 508,000 | $ 169,333 | $ 483,000 |
| Boise City-Nampa, ID | 3 | $ 199,000 | $ 66,333 | $ 22,000 |
| Logan, UT-ID | 3 | $ 426,000 | $ 142,000 | $ 19,000 |
| Orlando, FL | 3 | $ 477,000 | $ 159,000 | $ 63,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 523,000 | $ 174,333 | $ 83,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,406,000 | $ 468,666 | $ 83,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 946,000 | $ 473,000 | $ 345,000 |
| Dallas-Plano-Irving, TX | 2 | $ 111,000 | $ 55,500 | $ 64,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 132,000 | $ 66,000 | $ 56,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 163,000 | $ 81,500 | $ 43,000 |
| Fort Collins-Loveland, CO | 2 | $ 495,000 | $ 247,500 | $ 87,000 |
| Hanford-Corcoran, CA | 2 | $ 300,000 | $ 150,000 | $ 68,000 |
| Honolulu, HI | 2 | $ 1,186,000 | $ 593,000 | $ 117,000 |
| Jacksonville, FL | 2 | $ 87,000 | $ 43,500 | $ 74,000 |
| Madera, CA | 2 | $ 360,000 | $ 180,000 | $ 65,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 171,000 | $ 85,500 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 725,000 | $ 362,500 | $ 175,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 440,000 | $ 220,000 | $ 177,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 1,809,000 | $ 904,500 | $ 3,900,000 |
| Amarillo, TX | 1 | $ 69,000 | $ 69,000 | $ 24,000 |
| Appleton, WI | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Bellingham, WA | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 127,000 | $ 127,000 | $ 216,000 |
| Eugene-Springfield, OR | 1 | $ 217,000 | $ 217,000 | $ 53,000 |
| Flagstaff, AZ | 1 | $ 176,000 | $ 176,000 | $ 67,000 |
| Florence-Muscle Shoals, AL | 1 | $ 137,000 | $ 137,000 | $ 40,000 |
| Greenville, SC | 1 | $ 140,000 | $ 140,000 | $ 40,000 |
| Huntsville, AL | 1 | $ 112,000 | $ 112,000 | $ 79,000 |
| Indianapolis, IN | 1 | $ 59,000 | $ 59,000 | $ 188,000 |
| Kansas City, MO-KS | 1 | $ 136,000 | $ 136,000 | $ 126,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 109,000 | $ 109,000 | $ 41,000 |
| Knoxville, TN | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Memphis, TN-MS-AR | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 87,000 | $ 87,000 | $ 11,000 |
| Modesto, CA | 1 | $ 120,000 | $ 120,000 | $ 14,000 |
| Napa, CA | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 442,000 | $ 442,000 | $ 91,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 218,000 | $ 218,000 | $ 45,000 |
| Pueblo, CO | 1 | $ 62,000 | $ 62,000 | $ 60,000 |
| San Antonio, TX | 1 | $ 158,000 | $ 158,000 | $ 360,000 |
| St. Louis, MO-IL | 1 | $ 62,000 | $ 62,000 | $ 49,000 |
| Toledo, OH | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for American Pioneer Financial Svc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 839 | $117,909,000 | $146,047 | $1,739,000 | $98,619 | $7,800,000 |
| Refinancing | 466 | $80,138,000 | $176,210 | $1,500,000 | $89,315 | $1,488,000 |
| Home Improvement | 1 | $36,000 | $36,000 | $36,000 | $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 | 784 | $121,347,000 | $152,600 | $1,739,000 | $93,400 | $7,800,000 |
| Not Provided | 195 | $31,313,000 | $189,000 | $840,000 | $77,529 | $345,000 |
| Hispanic | 191 | $24,461,000 | $114,875 | $512,000 | $70,125 | $360,000 |
| Black or African American | 78 | $11,986,000 | $127,888 | $560,000 | $57,333 | $168,000 |
| Asian | 42 | $6,122,000 | $136,714 | $497,000 | $124,285 | $484,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,516,000 | $158,800 | $431,000 | $105,800 | $288,000 |
| American Indian or Alaskan Native | 4 | $338,000 | $84,666 | $105,000 | $47,333 | $78,000 |
| 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) | 1,304 | $197,773,000 | $155,166 | $1,739,000 | $91,125 | $7,800,000 |
| FHA-insured (Federal Housing Administration) | 2 | $310,000 | $155,000 | $178,000 | $55,000 | $57,000 |
| 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 Denied By Financial Institution | 1,227 | $183,379,000 | $159,500 | $1,739,000 | $96,090 | $7,800,000 |
| Loan Originated | 78 | $14,582,000 | $163,500 | $1,500,000 | $59,333 | $534,000 |
| Preapproval Denied by Financial Institution | 1 | $122,000 | $122,000 | $122,000 | $34,000 | $34,000 |
| Application Approved But Not Accepted | 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 |
| Application Withdrawn By Applicant | 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 Application Incomplete | 554 | $85,528,000 | $155,882 | $1,739,000 | $166,647 | $7,800,000 |
| Other | 360 | $51,674,000 | $148,333 | $1,100,000 | $52,944 | $852,000 |
| Unverifiable Information | 118 | $18,326,000 | $167,727 | $566,000 | $83,909 | $521,000 |
| Credit History | 101 | $14,753,000 | $146,625 | $840,000 | $83,625 | $312,000 |
| Collateral | 49 | $7,369,000 | $163,454 | $750,000 | $95,000 | $288,000 |
| Debt-To-Income Ratio | 29 | $3,867,000 | $142,200 | $345,000 | $63,400 | $252,000 |
| Employment History | 7 | $818,000 | $136,750 | $261,000 | $59,750 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $555,000 | $212,500 | $295,000 | $58,500 | $59,000 |
| Mortgage Insurance Denied | 1 | $86,000 | $86,000 | $86,000 | $15,000 | $15,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Pioneer Financial Svc'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 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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