American Savings Bank Mortgage Lending & HMDA Data, 2007
In 2007, American Savings Bank of Honolulu, HI reported 2,708 mortgage applications totaling $928.3 million, up 42% from 2006. The average application was for $342,802, and applicants reported an average income of $88,396. 67% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Honolulu, HI (1,375), Washington-Arlington-Alexandria, DC-VA-MD-WV (27) and Baltimore-Towson, MD (18) (applications in parentheses).
| 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 | $342,802 |
| Highest Mortgage Loan Application Amount | $2,908,000 |
| Average Applicant Income | $88,396 |
| Highest Applicant Income | $2,760,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Honolulu, HI | 1,375 | $ 425,350,000 | $ 309,345 | $ 92,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 27 | $ 13,894,000 | $ 514,592 | $ 0 |
| Baltimore-Towson, MD | 18 | $ 8,729,000 | $ 484,944 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 9,391,000 | $ 626,066 | $ 0 |
| Bethesda-Gaithersburg-Frederick, MD | 13 | $ 8,628,000 | $ 663,692 | $ 0 |
| Chicago-Naperville-Joliet, IL | 11 | $ 7,792,000 | $ 708,363 | $ 0 |
| Oakland-Fremont-Hayward, CA | 10 | $ 6,043,000 | $ 604,300 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 5,502,000 | $ 611,333 | $ 0 |
| Denver-Aurora, CO | 7 | $ 4,629,000 | $ 661,285 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,841,000 | $ 548,714 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 4,639,000 | $ 662,714 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 3,690,000 | $ 615,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 6 | $ 3,396,000 | $ 566,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 3,019,000 | $ 603,800 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 3,179,000 | $ 635,800 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 3,091,000 | $ 618,200 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 2,634,000 | $ 526,800 | $ 0 |
| Orlando-Kissimmee, FL | 4 | $ 2,630,000 | $ 657,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 2,282,000 | $ 570,500 | $ 0 |
| Ann Arbor, MI | 3 | $ 1,559,000 | $ 519,666 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 2,184,000 | $ 728,000 | $ 0 |
| Boston-Quincy, MA | 3 | $ 1,604,000 | $ 534,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,508,000 | $ 502,666 | $ 0 |
| Columbus, OH | 3 | $ 2,296,000 | $ 765,333 | $ 0 |
| Dallas-Plano-Irving, TX | 3 | $ 2,148,000 | $ 716,000 | $ 0 |
| Fort Worth-Arlington, TX | 3 | $ 2,421,000 | $ 807,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 2,144,000 | $ 714,666 | $ 0 |
| Las Vegas-Paradise, NV | 3 | $ 1,713,000 | $ 571,000 | $ 0 |
| Memphis, TN-MS-AR | 3 | $ 1,493,000 | $ 497,666 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 1,442,000 | $ 480,666 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 3 | $ 1,779,000 | $ 593,000 | $ 0 |
| Roanoke, VA | 3 | $ 526,000 | $ 175,333 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 1,439,000 | $ 479,666 | $ 0 |
| Tulsa, OK | 3 | $ 1,659,000 | $ 553,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 2,294,000 | $ 764,666 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 876,000 | $ 438,000 | $ 0 |
| Edison, NJ | 2 | $ 937,000 | $ 468,500 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 1,639,000 | $ 819,500 | $ 0 |
| Indianapolis-Carmel, IN | 2 | $ 1,516,000 | $ 758,000 | $ 0 |
| Jacksonville, FL | 2 | $ 955,000 | $ 477,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,498,000 | $ 749,000 | $ 0 |
| Newark-Union, NJ-PA | 2 | $ 1,227,000 | $ 613,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,775,000 | $ 887,500 | $ 0 |
| Richmond, VA | 2 | $ 1,102,000 | $ 551,000 | $ 0 |
| Salinas, CA | 2 | $ 1,117,000 | $ 558,500 | $ 0 |
| Savannah, GA | 2 | $ 1,401,000 | $ 700,500 | $ 0 |
| Stockton, CA | 2 | $ 828,000 | $ 414,000 | $ 0 |
| Tacoma, WA | 2 | $ 1,099,000 | $ 549,500 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 1,209,000 | $ 604,500 | $ 0 |
| Albuquerque, NM | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Anderson, SC | 1 | $ 481,000 | $ 481,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 594,000 | $ 594,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 566,000 | $ 566,000 | $ 0 |
| Bend, OR | 1 | $ 572,000 | $ 572,000 | $ 0 |
| Boulder, CO | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 810,000 | $ 810,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 657,000 | $ 657,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 942,000 | $ 942,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 454,000 | $ 454,000 | $ 0 |
| Durham, NC | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 464,000 | $ 464,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 647,000 | $ 647,000 | $ 0 |
| Fresno, CA | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Gainesville, FL | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 697,000 | $ 697,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 522,000 | $ 522,000 | $ 0 |
| Knoxville, TN | 1 | $ 977,000 | $ 977,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 554,000 | $ 554,000 | $ 0 |
| Lakeland, FL | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Las Cruces, NM | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Macon, GA | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Modesto, CA | 1 | $ 611,000 | $ 611,000 | $ 0 |
| Napa, CA | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Olympia, WA | 1 | $ 452,000 | $ 452,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 734,000 | $ 734,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Panama City-Lynn Haven, FL | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Peabody, MA | 1 | $ 548,000 | $ 548,000 | $ 0 |
| Philadelphia, PA | 1 | $ 1,299,000 | $ 1,299,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 566,000 | $ 566,000 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 997,000 | $ 997,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 623,000 | $ 623,000 | $ 0 |
| Rochester, MN | 1 | $ 519,000 | $ 519,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 719,000 | $ 719,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 506,000 | $ 506,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Springfield, MO | 1 | $ 488,000 | $ 488,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 537,000 | $ 537,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 491,000 | $ 491,000 | $ 0 |
| Trenton-Ewing, NJ | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Tucson, AZ | 1 | $ 732,000 | $ 732,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 486,000 | $ 486,000 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Wilmington, NC | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Worcester, MA | 1 | $ 527,000 | $ 527,000 | $ 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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