American Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007

American Savings Bank 2007 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 Savings Bank
P.O. Box 2300
Honolulu, HI 96804
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,708
Total Mortgage Loan Application Amount $928,310,000
Average Mortgage Loan Application Amount $345,000
Highest Mortgage Loan Application Amount $2,908,000
Average Applicant Income $101,000
Highest Applicant Income $2,760,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with American Savings Bank. 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 Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2007 breaks down American Savings Bank'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 Savings Bank serves its applicants.

Each category highlights the total number of mortgage applications processed by American Savings Bank, 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 Savings Bank's mortgage activity for 2007.

Mortgage Loan Application Totals for American Savings Bank by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Honolulu County Hawaii 1,375 $ 425,350,000 $ 309,000 $ 92,000
Hawaii County Hawaii 434 $ 122,372,000 $ 281,000 $ 107,000
Maui County Hawaii 258 $ 87,530,000 $ 339,000 $ 118,000
Kauai County Hawaii 219 $ 71,274,000 $ 325,000 $ 128,000
Montgomery County Maryland 11 $ 7,670,000 $ 697,000 $ 0
Los Angeles County California 9 $ 5,502,000 $ 611,000 $ 0
Alameda County California 8 $ 5,137,000 $ 642,000 $ 0
Cook County Illinois 8 $ 6,005,000 $ 750,000 $ 0
Maricopa County Arizona 7 $ 3,841,000 $ 548,000 $ 0
Santa Clara County California 7 $ 4,639,000 $ 662,000 $ 0
Anne Arundel County Maryland 7 $ 3,372,000 $ 481,000 $ 0
District of Columbia County District Of Columbia 6 $ 2,856,000 $ 476,000 $ 0
King County Washington 6 $ 3,396,000 $ 566,000 $ 0
Orange County California 5 $ 2,634,000 $ 526,000 $ 0
San Diego County California 5 $ 3,179,000 $ 635,000 $ 0
Howard County Maryland 5 $ 2,686,000 $ 537,000 $ 0
Williamson County Tennessee 5 $ 3,001,000 $ 600,000 $ 0
Cobb County Georgia 4 $ 2,183,000 $ 545,000 $ 0
Fulton County Georgia 4 $ 2,188,000 $ 547,000 $ 0
Baltimore County Maryland 4 $ 1,861,000 $ 465,000 $ 0
Arlington County Virginia 4 $ 2,083,000 $ 520,000 $ 0
Jefferson County Alabama 3 $ 2,184,000 $ 728,000 $ 0
Riverside County California 3 $ 1,700,000 $ 566,000 $ 0
San Francisco County California 3 $ 1,718,000 $ 572,000 $ 0
Denver County Colorado 3 $ 2,407,000 $ 802,000 $ 0
Middlesex County Massachusetts 3 $ 1,508,000 $ 502,000 $ 0
Washtenaw County Michigan 3 $ 1,559,000 $ 519,000 $ 0
Hennepin County Minnesota 3 $ 1,901,000 $ 633,000 $ 0
Clark County Nevada 3 $ 1,713,000 $ 571,000 $ 0
Shelby County Tennessee 3 $ 1,493,000 $ 497,000 $ 0
Harris County Texas 3 $ 2,144,000 $ 714,000 $ 0
Tarrant County Texas 3 $ 2,421,000 $ 807,000 $ 0
Alexandria County Virginia 3 $ 1,851,000 $ 617,000 $ 0
Fairfax County Virginia 3 $ 1,533,000 $ 511,000 $ 0
Loudoun County Virginia 3 $ 1,671,000 $ 557,000 $ 0
Contra Costa County California 2 $ 906,000 $ 453,000 $ 0
Monterey County California 2 $ 1,117,000 $ 558,000 $ 0
Placer County California 2 $ 980,000 $ 490,000 $ 0
San Joaquin County California 2 $ 828,000 $ 414,000 $ 0
Jefferson County Colorado 2 $ 1,063,000 $ 531,000 $ 0
Miami-Dade County Florida 2 $ 1,498,000 $ 749,000 $ 0
Okaloosa County Florida 2 $ 1,639,000 $ 819,000 $ 0
Orange County Florida 2 $ 1,191,000 $ 595,000 $ 0
Seminole County Florida 2 $ 1,439,000 $ 719,000 $ 0
Walton County Florida 2 $ 1,574,000 $ 787,000 $ 0
Bartow County Georgia 2 $ 1,387,000 $ 693,000 $ 0
Chatham County Georgia 2 $ 1,401,000 $ 700,000 $ 0
Forsyth County Georgia 2 $ 1,277,000 $ 638,000 $ 0
DuPage County Illinois 2 $ 1,288,000 $ 644,000 $ 0
Calvert County Maryland 2 $ 795,000 $ 397,000 $ 0
Carroll County Maryland 2 $ 810,000 $ 405,000 $ 0
Frederick County Maryland 2 $ 958,000 $ 479,000 $ 0
Prince George's County Maryland 2 $ 1,112,000 $ 556,000 $ 0
Norfolk County Massachusetts 2 $ 910,000 $ 455,000 $ 0
Essex County New Jersey 2 $ 1,227,000 $ 613,000 $ 0
Westchester County New York 2 $ 949,000 $ 474,000 $ 0
Ashe County North Carolina 2 $ 1,048,000 $ 524,000 $ 0
Franklin County Ohio 2 $ 1,675,000 $ 837,000 $ 0
Tulsa County Oklahoma 2 $ 1,010,000 $ 505,000 $ 0
Multnomah County Oregon 2 $ 1,227,000 $ 613,000 $ 0
Dallas County Texas 2 $ 1,448,000 $ 724,000 $ 0
Prince William County Virginia 2 $ 1,057,000 $ 528,000 $ 0
Roanoke County Virginia 2 $ 342,000 $ 171,000 $ 0
Pierce County Washington 2 $ 1,099,000 $ 549,000 $ 0
Baldwin County Alabama 1 $ 741,000 $ 741,000 $ 0
Lee County Alabama 1 $ 655,000 $ 655,000 $ 0
Tallapoosa County Alabama 1 $ 598,000 $ 598,000 $ 0
Tuscaloosa County Alabama 1 $ 486,000 $ 486,000 $ 0
Mohave County Arizona 1 $ 554,000 $ 554,000 $ 0
Navajo County Arizona 1 $ 639,000 $ 639,000 $ 0
Pima County Arizona 1 $ 732,000 $ 732,000 $ 0
Calaveras County California 1 $ 769,000 $ 769,000 $ 0
El Dorado County California 1 $ 459,000 $ 459,000 $ 0
Fresno County California 1 $ 446,000 $ 446,000 $ 0
Marin County California 1 $ 698,000 $ 698,000 $ 0
Napa County California 1 $ 499,000 $ 499,000 $ 0
Plumas County California 1 $ 899,000 $ 899,000 $ 0
San Bernardino County California 1 $ 582,000 $ 582,000 $ 0
San Mateo County California 1 $ 675,000 $ 675,000 $ 0
Sonoma County California 1 $ 506,000 $ 506,000 $ 0
Stanislaus County California 1 $ 611,000 $ 611,000 $ 0
Arapahoe County Colorado 1 $ 699,000 $ 699,000 $ 0
Boulder County Colorado 1 $ 855,000 $ 855,000 $ 0
Douglas County Colorado 1 $ 460,000 $ 460,000 $ 0
Montrose County Colorado 1 $ 473,000 $ 473,000 $ 0
Summit County Colorado 1 $ 491,000 $ 491,000 $ 0
New Castle County Delaware 1 $ 235,000 $ 235,000 $ 0
Sussex County Delaware 1 $ 439,000 $ 439,000 $ 0
Alachua County Florida 1 $ 456,000 $ 456,000 $ 0
Bay County Florida 1 $ 500,000 $ 500,000 $ 0
Brevard County Florida 1 $ 494,000 $ 494,000 $ 0
Broward County Florida 1 $ 647,000 $ 647,000 $ 0
Charlotte County Florida 1 $ 623,000 $ 623,000 $ 0
Clay County Florida 1 $ 435,000 $ 435,000 $ 0
Duval County Florida 1 $ 520,000 $ 520,000 $ 0
Escambia County Florida 1 $ 788,000 $ 788,000 $ 0
Highlands County Florida 1 $ 561,000 $ 561,000 $ 0
Lee County Florida 1 $ 657,000 $ 657,000 $ 0
Manatee County Florida 1 $ 595,000 $ 595,000 $ 0
Palm Beach County Florida 1 $ 639,000 $ 639,000 $ 0
Pinellas County Florida 1 $ 491,000 $ 491,000 $ 0
Polk County Florida 1 $ 552,000 $ 552,000 $ 0
Santa Rosa County Florida 1 $ 987,000 $ 987,000 $ 0
Banks County Georgia 1 $ 202,000 $ 202,000 $ 0
Bibb County Georgia 1 $ 366,000 $ 366,000 $ 0
DeKalb County Georgia 1 $ 948,000 $ 948,000 $ 0
Fayette County Georgia 1 $ 729,000 $ 729,000 $ 0
Henry County Georgia 1 $ 679,000 $ 679,000 $ 0
Oconee County Georgia 1 $ 594,000 $ 594,000 $ 0
Rabun County Georgia 1 $ 594,000 $ 594,000 $ 0
Twin Falls County Idaho 1 $ 416,000 $ 416,000 $ 0
Lake County Illinois 1 $ 805,000 $ 805,000 $ 0
McHenry County Illinois 1 $ 499,000 $ 499,000 $ 0
Hamilton County Indiana 1 $ 517,000 $ 517,000 $ 0
Marion County Indiana 1 $ 999,000 $ 999,000 $ 0
Vanderburgh County Indiana 1 $ 464,000 $ 464,000 $ 0
York County Maine 1 $ 566,000 $ 566,000 $ 0
St. Mary's County Maryland 1 $ 790,000 $ 790,000 $ 0
Essex County Massachusetts 1 $ 548,000 $ 548,000 $ 0
Suffolk County Massachusetts 1 $ 694,000 $ 694,000 $ 0
Worcester County Massachusetts 1 $ 527,000 $ 527,000 $ 0
Livingston County Michigan 1 $ 700,000 $ 700,000 $ 0
Macomb County Michigan 1 $ 545,000 $ 545,000 $ 0
Oakland County Michigan 1 $ 1,049,000 $ 1,049,000 $ 0
Dakota County Minnesota 1 $ 519,000 $ 519,000 $ 0
Olmsted County Minnesota 1 $ 519,000 $ 519,000 $ 0
Platte County Missouri 1 $ 522,000 $ 522,000 $ 0
Polk County Missouri 1 $ 488,000 $ 488,000 $ 0
St. Louis County Missouri 1 $ 537,000 $ 537,000 $ 0
Lake County Montana 1 $ 520,000 $ 520,000 $ 0
Lewis and Clark County Montana 1 $ 514,000 $ 514,000 $ 0
Douglas County Nebraska 1 $ 734,000 $ 734,000 $ 0
Douglas County Nevada 1 $ 249,000 $ 249,000 $ 0
Mercer County New Jersey 1 $ 489,000 $ 489,000 $ 0
Ocean County New Jersey 1 $ 469,000 $ 469,000 $ 0
Somerset County New Jersey 1 $ 468,000 $ 468,000 $ 0
Bernalillo County New Mexico 1 $ 600,000 $ 600,000 $ 0
Dona Ana County New Mexico 1 $ 480,000 $ 480,000 $ 0
Richmond County New York 1 $ 493,000 $ 493,000 $ 0
Brunswick County North Carolina 1 $ 337,000 $ 337,000 $ 0
Catawba County North Carolina 1 $ 697,000 $ 697,000 $ 0
Chatham County North Carolina 1 $ 639,000 $ 639,000 $ 0
Dare County North Carolina 1 $ 598,000 $ 598,000 $ 0
Davidson County North Carolina 1 $ 248,000 $ 248,000 $ 0
Guilford County North Carolina 1 $ 523,000 $ 523,000 $ 0
Mecklenburg County North Carolina 1 $ 942,000 $ 942,000 $ 0
Swain County North Carolina 1 $ 249,000 $ 249,000 $ 0
Grand Forks County North Dakota 1 $ 424,000 $ 424,000 $ 0
Delaware County Ohio 1 $ 621,000 $ 621,000 $ 0
Hamilton County Ohio 1 $ 454,000 $ 454,000 $ 0
Lorain County Ohio 1 $ 156,000 $ 156,000 $ 0
Medina County Ohio 1 $ 720,000 $ 720,000 $ 0
Carter County Oklahoma 1 $ 205,000 $ 205,000 $ 0
Rogers County Oklahoma 1 $ 649,000 $ 649,000 $ 0
Deschutes County Oregon 1 $ 572,000 $ 572,000 $ 0
Lincoln County Oregon 1 $ 591,000 $ 591,000 $ 0
Tillamook County Oregon 1 $ 940,000 $ 940,000 $ 0
Washington County Oregon 1 $ 552,000 $ 552,000 $ 0
Cumberland County Pennsylvania 1 $ 249,000 $ 249,000 $ 0
Delaware County Pennsylvania 1 $ 1,299,000 $ 1,299,000 $ 0
Bristol County Rhode Island 1 $ 997,000 $ 997,000 $ 0
Anderson County South Carolina 1 $ 481,000 $ 481,000 $ 0
Benton County Tennessee 1 $ 528,000 $ 528,000 $ 0
Davidson County Tennessee 1 $ 689,000 $ 689,000 $ 0
Knox County Tennessee 1 $ 977,000 $ 977,000 $ 0
Collin County Texas 1 $ 700,000 $ 700,000 $ 0
Travis County Texas 1 $ 566,000 $ 566,000 $ 0
Davis County Utah 1 $ 600,000 $ 600,000 $ 0
Salt Lake County Utah 1 $ 719,000 $ 719,000 $ 0
Botetourt County Virginia 1 $ 184,000 $ 184,000 $ 0
Fredericksburg County Virginia 1 $ 459,000 $ 459,000 $ 0
Goochland County Virginia 1 $ 332,000 $ 332,000 $ 0
Norfolk County Virginia 1 $ 472,000 $ 472,000 $ 0
Richmond City County Virginia 1 $ 770,000 $ 770,000 $ 0
Virginia Beach County Virginia 1 $ 737,000 $ 737,000 $ 0
Kitsap County Washington 1 $ 810,000 $ 810,000 $ 0
Thurston County Washington 1 $ 452,000 $ 452,000 $ 0
Jefferson County West Virginia 1 $ 477,000 $ 477,000 $ 0
Tucker County West Virginia 1 $ 488,000 $ 488,000 $ 0
Pierce County Wisconsin 1 $ 599,000 $ 599,000 $ 0
Sheridan County Wyoming 1 $ 471,000 $ 471,000 $ 0

Mortgage Loan Application Detail Totals for American Savings Bank in 2007

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
Refinancing 1,517 $518,608,000 $341,000 $1,920,000 $87,000 $1,638,000
Home Purchase 1,057 $362,640,000 $343,000 $2,908,000 $85,000 $1,657,000
Home Improvement 134 $47,062,000 $351,000 $2,550,000 $131,000 $2,760,000

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
Asian 1,161 $371,775,000 $320,000 $1,920,000 $87,000 $792,000
White 801 $337,168,000 $420,000 $2,908,000 $109,000 $2,760,000
Native Hawaiian or Other Pacific Islander 592 $150,247,000 $253,000 $890,000 $72,000 $295,000
Not Provided 75 $41,307,000 $550,000 $999,000 $9,000 $435,000
Hispanic 49 $15,404,000 $314,000 $770,000 $76,000 $288,000
Black or African American 13 $4,412,000 $339,000 $643,000 $63,000 $244,000
American Indian or Alaskan Native 11 $3,552,000 $322,000 $508,000 $71,000 $180,000
Not applicable 6 $4,445,000 $740,000 $1,800,000 $236,000 $1,020,000

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) 2,708 $928,310,000 $342,000 $2,908,000 $88,000 $2,760,000
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
Loan Originated 1,801 $529,552,000 $294,000 $2,908,000 $99,000 $1,657,000
Loan Purchased By The Institution 327 $192,794,000 $589,000 $1,497,000 $0 $0
Application Withdrawn By Applicant 236 $88,798,000 $376,000 $2,550,000 $114,000 $2,760,000
Application Denied By Financial Institution 197 $69,339,000 $351,000 $1,600,000 $94,000 $1,352,000
Application Approved But Not Accepted 147 $47,827,000 $325,000 $1,875,000 $105,000 $2,149,000
File Closed For Incompleteness 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
Debt-To-Income Ratio 71 $27,943,000 $393,000 $901,000 $65,000 $303,000
Credit History 63 $17,034,000 $270,000 $855,000 $75,000 $266,000
Other 21 $6,760,000 $321,000 $1,600,000 $154,000 $1,352,000
Credit Application Incomplete 14 $6,380,000 $455,000 $1,186,000 $223,000 $729,000
Collateral 7 $3,349,000 $478,000 $1,100,000 $66,000 $107,000
Mortgage Insurance Denied 7 $2,746,000 $392,000 $750,000 $130,000 $328,000
Insufficient Cash (Downpayment, Closing Cost) 6 $2,605,000 $434,000 $920,000 $135,000 $478,000
Unverifiable Information 5 $1,950,000 $390,000 $531,000 $114,000 $159,000
Employment History 3 $572,000 $190,000 $325,000 $44,000 $65,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Savings Bank's 2007 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 Savings Bank'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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