American Pioneer Financial Svc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
American Pioneer Financial Svc 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $161,275 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $85,475 |
| Highest Applicant Income | $1,596,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with American Pioneer Financial Svc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American Pioneer Financial Svc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down American Pioneer Financial Svc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American Pioneer Financial Svc serves its applicants.
Each category highlights the total number of mortgage applications processed by American Pioneer Financial Svc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American Pioneer Financial Svc's mortgage activity for 2005.
| 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 | 139 | $ 30,779,000 | $ 221,000 | $ 124,000 |
| SALT LAKE CITY, UT | 120 | $ 20,036,000 | $ 166,000 | $ 95,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 45 | $ 5,955,000 | $ 132,000 | $ 63,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 45 | $ 6,678,000 | $ 148,000 | $ 90,000 |
| OGDEN-CLEARFIELD, UT | 39 | $ 4,058,000 | $ 104,000 | $ 67,000 |
| PROVO-OREM, UT | 31 | $ 7,686,000 | $ 247,000 | $ 105,000 |
| CANTON-MASSILLON, OH | 28 | $ 2,057,000 | $ 73,000 | $ 36,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 22 | $ 2,908,000 | $ 132,000 | $ 102,000 |
| AKRON, OH | 18 | $ 1,896,000 | $ 105,000 | $ 46,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 18 | $ 991,000 | $ 55,000 | $ 112,000 |
| DENVER-AURORA, CO | 15 | $ 1,757,000 | $ 117,000 | $ 81,000 |
| DALLAS-PLANO-IRVING, TX | 14 | $ 1,705,000 | $ 121,000 | $ 87,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 14 | $ 9,462,000 | $ 675,000 | $ 311,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 12 | $ 1,084,000 | $ 90,000 | $ 100,000 |
| KANSAS CITY, MO-KS | 12 | $ 693,000 | $ 57,000 | $ 45,000 |
| DAYTON, OH | 9 | $ 719,000 | $ 79,000 | $ 106,000 |
| ORLANDO, FL | 9 | $ 1,778,000 | $ 197,000 | $ 91,000 |
| BAKERSFIELD, CA | 8 | $ 723,000 | $ 90,000 | $ 43,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 7 | $ 1,090,000 | $ 155,000 | $ 76,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 7 | $ 1,351,000 | $ 193,000 | $ 67,000 |
| INDIANAPOLIS, IN | 6 | $ 435,000 | $ 72,000 | $ 66,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 6 | $ 1,379,000 | $ 229,000 | $ 157,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 6 | $ 686,000 | $ 114,000 | $ 68,000 |
| STOCKTON, CA | 6 | $ 1,251,000 | $ 208,000 | $ 126,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 5 | $ 1,428,000 | $ 285,000 | $ 89,000 |
| ST. GEORGE, UT | 5 | $ 586,000 | $ 117,000 | $ 53,000 |
| TUCSON, AZ | 5 | $ 422,000 | $ 84,000 | $ 96,000 |
| AUSTIN-ROUND ROCK, TX | 4 | $ 3,519,000 | $ 879,000 | $ 460,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 4 | $ 1,198,000 | $ 299,000 | $ 113,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 4 | $ 661,000 | $ 165,000 | $ 71,000 |
| GARY, IN | 4 | $ 439,000 | $ 109,000 | $ 53,000 |
| MERCED, CA | 4 | $ 894,000 | $ 223,000 | $ 51,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 4 | $ 1,081,000 | $ 270,000 | $ 121,000 |
| PUEBLO, CO | 4 | $ 200,000 | $ 50,000 | $ 38,000 |
| VALLEJO-FAIRFIELD, CA | 4 | $ 1,710,000 | $ 427,000 | $ 177,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 1,627,000 | $ 542,000 | $ 396,000 |
| LOGAN, UT-ID | 3 | $ 246,000 | $ 82,000 | $ 90,000 |
| MODESTO, CA | 3 | $ 502,000 | $ 167,000 | $ 66,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 3 | $ 393,000 | $ 131,000 | $ 236,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 3 | $ 1,428,000 | $ 476,000 | $ 100,000 |
| BOISE CITY-NAMPA, ID | 2 | $ 146,000 | $ 73,000 | $ 38,000 |
| CAPE CORAL-FORT MYERS, FL | 2 | $ 208,000 | $ 104,000 | $ 55,000 |
| COLORADO SPRINGS, CO | 2 | $ 708,000 | $ 354,000 | $ 80,000 |
| COLUMBUS, OH | 2 | $ 161,000 | $ 80,000 | $ 64,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 2 | $ 128,000 | $ 64,000 | $ 40,000 |
| FLAGSTAFF, AZ | 2 | $ 220,000 | $ 110,000 | $ 47,000 |
| FRESNO, CA | 2 | $ 492,000 | $ 246,000 | $ 21,000 |
| JACKSONVILLE, FL | 2 | $ 335,000 | $ 167,000 | $ 43,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 2 | $ 299,000 | $ 149,000 | $ 0 |
| MICHIGAN CITY-LA PORTE, IN | 2 | $ 155,000 | $ 77,000 | $ 64,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 2 | $ 247,000 | $ 123,000 | $ 0 |
| SALINAS, CA | 2 | $ 736,000 | $ 368,000 | $ 191,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 2 | $ 720,000 | $ 360,000 | $ 0 |
| SARASOTA-BRADENTON-VENICE, FL | 2 | $ 791,000 | $ 395,000 | $ 104,000 |
| ST. LOUIS, MO-IL | 2 | $ 125,000 | $ 62,000 | $ 59,000 |
| VERO BEACH, FL | 2 | $ 908,000 | $ 454,000 | $ 1,382,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 1 | $ 170,000 | $ 170,000 | $ 90,000 |
| EUGENE-SPRINGFIELD, OR | 1 | $ 140,000 | $ 140,000 | $ 60,000 |
| GAINESVILLE, FL | 1 | $ 137,000 | $ 137,000 | $ 31,000 |
| HONOLULU, HI | 1 | $ 146,000 | $ 146,000 | $ 34,000 |
| LAKELAND, FL | 1 | $ 153,000 | $ 153,000 | $ 36,000 |
| MEDFORD, OR | 1 | $ 420,000 | $ 420,000 | $ 102,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 1 | $ 204,000 | $ 204,000 | $ 102,000 |
| OCALA, FL | 1 | $ 88,000 | $ 88,000 | $ 56,000 |
| SAN ANTONIO, TX | 1 | $ 84,000 | $ 84,000 | $ 96,000 |
| SANDUSKY, OH | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 1 | $ 504,000 | $ 504,000 | $ 359,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 1 | $ 382,000 | $ 382,000 | $ 95,000 |
| SPRINGFIELD, MO | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| TOLEDO, OH | 1 | $ 153,000 | $ 153,000 | $ 66,000 |
| TOPEKA, KS | 1 | $ 60,000 | $ 60,000 | $ 35,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 77,000 | $ 77,000 | $ 0 |
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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