American Unified Mortgage, Inc Mortgage Lending & HMDA Data, 2006
In 2006, American Unified Mortgage, Inc of Oceanside, CA reported 1,250 mortgage applications totaling $196.4 million, down 40% from 2005. The average application was for $157,088, and applicants reported an average income of $65,563. 15% of its applications resulted in an originated loan and 58% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (94), San Diego-Carlsbad-San Marcos, CA (77) and Charlotte-Gastonia-Concord, NC-SC (42) (applications in parentheses).
| Mortgage Company & Address | American Unified Mortgage, Inc 4630 North Avenue, Suite A Oceanside, CA 92056 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,250 |
| Total Mortgage Loan Application Amount | $196,360,000 |
| Average Mortgage Loan Application Amount | $157,088 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $65,563 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Unified Mortgage, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 94 | $ 14,855,000 | $ 158,031 | $ 57,000 |
| San Diego-Carlsbad-San Marcos, CA | 77 | $ 21,190,000 | $ 275,194 | $ 106,000 |
| Charlotte-Gastonia-Concord, NC-SC | 42 | $ 5,503,000 | $ 131,023 | $ 51,404 |
| Oklahoma City, OK | 40 | $ 4,907,000 | $ 122,675 | $ 47,000 |
| Detroit-Livonia-Dearborn, MI | 31 | $ 4,030,000 | $ 130,000 | $ 47,000 |
| Los Angeles-Long Beach-Glendale, CA | 29 | $ 7,215,000 | $ 248,793 | $ 144,000 |
| Indianapolis-Carmel, IN | 25 | $ 2,934,000 | $ 117,360 | $ 77,000 |
| Riverside-San Bernardino-Ontario, CA | 24 | $ 6,722,000 | $ 280,083 | $ 249,000 |
| Raleigh-Cary, NC | 22 | $ 2,903,000 | $ 131,954 | $ 41,000 |
| Warren-Troy-Farmington Hills, MI | 20 | $ 2,879,000 | $ 143,950 | $ 43,000 |
| Santa Ana-Anaheim-Irvine, CA | 18 | $ 5,056,000 | $ 280,888 | $ 107,000 |
| Greensboro-High Point, NC | 17 | $ 2,130,000 | $ 125,294 | $ 37,000 |
| Fayetteville, NC | 16 | $ 2,705,000 | $ 169,062 | $ 88,000 |
| Omaha-Council Bluffs, NE-IA | 16 | $ 2,593,000 | $ 162,062 | $ 52,000 |
| Tulsa, OK | 15 | $ 1,683,000 | $ 112,200 | $ 51,000 |
| Denver-Aurora, CO | 13 | $ 1,821,000 | $ 140,076 | $ 46,000 |
| Hickory-Lenoir-Morganton, NC | 12 | $ 1,395,000 | $ 116,250 | $ 37,000 |
| Seattle-Bellevue-Everett, WA | 12 | $ 1,852,000 | $ 154,333 | $ 43,000 |
| Winston-Salem, NC | 12 | $ 1,681,000 | $ 140,083 | $ 47,000 |
| Baltimore-Towson, MD | 11 | $ 1,657,000 | $ 150,636 | $ 47,000 |
| Durham, NC | 10 | $ 1,235,000 | $ 123,500 | $ 42,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,089,000 | $ 108,900 | $ 33,000 |
| Asheville, NC | 9 | $ 1,365,000 | $ 151,666 | $ 42,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 1,424,000 | $ 158,222 | $ 57,000 |
| Colorado Springs, CO | 9 | $ 1,321,000 | $ 146,777 | $ 61,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,338,000 | $ 148,666 | $ 45,000 |
| Springfield, MA | 9 | $ 1,231,000 | $ 136,777 | $ 45,000 |
| Boston-Quincy, MA | 8 | $ 1,605,000 | $ 200,625 | $ 78,000 |
| Oakland-Fremont-Hayward, CA | 8 | $ 1,680,000 | $ 210,000 | $ 70,000 |
| Savannah, GA | 8 | $ 987,000 | $ 123,375 | $ 52,000 |
| Tacoma, WA | 8 | $ 1,490,000 | $ 186,250 | $ 59,000 |
| Wilmington, NC | 8 | $ 1,178,000 | $ 147,250 | $ 44,000 |
| Gary, IN | 7 | $ 819,000 | $ 117,000 | $ 85,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 1,005,000 | $ 143,571 | $ 36,000 |
| Greenville, NC | 7 | $ 837,000 | $ 119,571 | $ 56,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 7 | $ 1,863,000 | $ 266,142 | $ 73,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 1,196,000 | $ 170,857 | $ 87,428 |
| Worcester, MA | 7 | $ 1,099,000 | $ 157,000 | $ 61,000 |
| Austin-Round Rock, TX | 6 | $ 1,373,000 | $ 228,833 | $ 151,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 752,000 | $ 125,333 | $ 87,000 |
| Hinesville-Fort Stewart, GA | 6 | $ 770,000 | $ 128,333 | $ 44,000 |
| Lansing-East Lansing, MI | 6 | $ 665,000 | $ 110,833 | $ 36,000 |
| Longview, WA | 6 | $ 810,000 | $ 135,000 | $ 34,000 |
| Providence-New Bedford-Fall River, RI-MA | 6 | $ 640,000 | $ 106,666 | $ 54,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 553,000 | $ 110,600 | $ 35,000 |
| Bethesda-Gaithersburg-Frederick, MD | 5 | $ 1,163,000 | $ 232,600 | $ 85,000 |
| Boise City-Nampa, ID | 5 | $ 535,000 | $ 107,000 | $ 34,000 |
| Columbus, GA-AL | 5 | $ 624,000 | $ 124,800 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 753,000 | $ 150,600 | $ 76,000 |
| Idaho Falls, ID | 5 | $ 759,000 | $ 151,800 | $ 60,000 |
| Jackson, MI | 5 | $ 1,175,000 | $ 235,000 | $ 51,000 |
| New Haven-Milford, CT | 5 | $ 750,000 | $ 150,000 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,486,000 | $ 297,200 | $ 392,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 1,110,000 | $ 222,000 | $ 67,000 |
| Ann Arbor, MI | 4 | $ 1,119,000 | $ 279,750 | $ 192,000 |
| Bloomington, IN | 4 | $ 486,000 | $ 121,500 | $ 32,000 |
| Bremerton-Silverdale, WA | 4 | $ 679,000 | $ 169,750 | $ 124,000 |
| Fort Wayne, IN | 4 | $ 425,000 | $ 106,250 | $ 37,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 542,000 | $ 135,500 | $ 55,000 |
| Modesto, CA | 4 | $ 481,000 | $ 120,250 | $ 42,000 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 591,000 | $ 147,750 | $ 44,000 |
| Valdosta, GA | 4 | $ 298,000 | $ 74,500 | $ 44,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,588,000 | $ 397,000 | $ 115,000 |
| Warner Robins, GA | 4 | $ 499,000 | $ 124,750 | $ 33,000 |
| Yakima, WA | 4 | $ 545,000 | $ 136,250 | $ 43,000 |
| Bakersfield, CA | 3 | $ 390,000 | $ 130,000 | $ 55,000 |
| Dalton, GA | 3 | $ 338,000 | $ 112,666 | $ 34,000 |
| Flint, MI | 3 | $ 460,000 | $ 153,333 | $ 37,000 |
| Jacksonville, NC | 3 | $ 335,000 | $ 111,666 | $ 33,000 |
| Kalamazoo-Portage, MI | 3 | $ 323,000 | $ 107,666 | $ 26,000 |
| Merced, CA | 3 | $ 678,000 | $ 226,000 | $ 40,000 |
| Michigan City-La Porte, IN | 3 | $ 304,000 | $ 101,333 | $ 18,000 |
| Orlando-Kissimmee, FL | 3 | $ 459,000 | $ 153,000 | $ 65,000 |
| Pocatello, ID | 3 | $ 400,000 | $ 133,333 | $ 40,000 |
| Redding, CA | 3 | $ 450,000 | $ 150,000 | $ 69,000 |
| Saginaw-Saginaw Township North, MI | 3 | $ 383,000 | $ 127,666 | $ 68,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 878,000 | $ 292,666 | $ 28,000 |
| Spokane, WA | 3 | $ 305,000 | $ 101,666 | $ 35,000 |
| Athens-Clarke County, GA | 2 | $ 409,000 | $ 204,500 | $ 72,000 |
| Barnstable Town, MA | 2 | $ 569,000 | $ 284,500 | $ 30,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 255,000 | $ 127,500 | $ 46,000 |
| Burlington, NC | 2 | $ 240,000 | $ 120,000 | $ 30,000 |
| Charleston-North Charleston, SC | 2 | $ 230,000 | $ 115,000 | $ 50,000 |
| Chattanooga, TN-GA | 2 | $ 195,000 | $ 97,500 | $ 29,000 |
| Coeur D'Alene, ID | 2 | $ 326,000 | $ 163,000 | $ 226,000 |
| Columbia, SC | 2 | $ 199,000 | $ 99,500 | $ 60,000 |
| Elkhart-Goshen, IN | 2 | $ 320,000 | $ 160,000 | $ 30,000 |
| Fort Smith, AR-OK | 2 | $ 169,000 | $ 84,500 | $ 25,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 205,000 | $ 102,500 | $ 55,000 |
| Fresno, CA | 2 | $ 250,000 | $ 125,000 | $ 28,000 |
| Greenville, SC | 2 | $ 195,000 | $ 97,500 | $ 21,000 |
| Jacksonville, FL | 2 | $ 150,000 | $ 75,000 | $ 25,000 |
| Lafayette, IN | 2 | $ 135,000 | $ 67,500 | $ 48,000 |
| Lakeland, FL | 2 | $ 170,000 | $ 85,000 | $ 42,000 |
| Lawton, OK | 2 | $ 235,000 | $ 117,500 | $ 42,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 265,000 | $ 132,500 | $ 38,000 |
| Macon, GA | 2 | $ 258,000 | $ 129,000 | $ 14,000 |
| Muskegon-Norton Shores, MI | 2 | $ 231,000 | $ 115,500 | $ 41,000 |
| Olympia, WA | 2 | $ 265,000 | $ 132,500 | $ 80,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 225,000 | $ 112,500 | $ 25,000 |
| Philadelphia, PA | 2 | $ 375,000 | $ 187,500 | $ 71,000 |
| Pittsfield, MA | 2 | $ 295,000 | $ 147,500 | $ 36,000 |
| Pueblo, CO | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| Rocky Mount, NC | 2 | $ 220,000 | $ 110,000 | $ 33,000 |
| Rome, GA | 2 | $ 395,000 | $ 197,500 | $ 78,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 290,000 | $ 145,000 | $ 59,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Anderson, IN | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Battle Creek, MI | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Chico, CA | 1 | $ 120,000 | $ 120,000 | $ 13,000 |
| El Centro, CA | 1 | $ 152,000 | $ 152,000 | $ 65,000 |
| Essex County, MA | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Evansville, IN-KY | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Gainesville, FL | 1 | $ 110,000 | $ 110,000 | $ 14,000 |
| Gainesville, GA | 1 | $ 156,000 | $ 156,000 | $ 48,000 |
| Goldsboro, NC | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Greeley, CO | 1 | $ 132,000 | $ 132,000 | $ 24,000 |
| Holland-Grand Haven, MI | 1 | $ 160,000 | $ 160,000 | $ 24,000 |
| Jonesboro, AR | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Joplin, MO | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| Lewiston, ID-WA | 1 | $ 130,000 | $ 130,000 | $ 24,000 |
| Logan, UT-ID | 1 | $ 114,000 | $ 114,000 | $ 36,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Monroe, MI | 1 | $ 120,000 | $ 120,000 | $ 24,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 130,000 | $ 130,000 | $ 31,000 |
| Muncie, IN | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Naples-Marco Island, FL | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Nassau-Suffolk, NY | 1 | $ 150,000 | $ 150,000 | $ 252,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 230,000 | $ 230,000 | $ 70,000 |
| Niles-Benton Harbor, MI | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| Norwich-New London, CT | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Ocala, FL | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Panama City-Lynn Haven, FL | 1 | $ 130,000 | $ 130,000 | $ 84,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 199,000 | $ 199,000 | $ 59,000 |
| Punta Gorda, FL | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Salt Lake City, UT | 1 | $ 136,000 | $ 136,000 | $ 60,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 150,000 | $ 150,000 | $ 88,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 508,000 | $ 508,000 | $ 24,000 |
| Sebastian-Vero Beach, FL | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Sumter, SC | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Tallahassee, FL | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Wenatchee, WA | 1 | $ 125,000 | $ 125,000 | $ 18,000 |
| Wichita Falls, TX | 1 | $ 98,000 | $ 98,000 | $ 20,000 |
Mortgage Loan Application Detail Totals for American Unified Mortgage, Inc in 2006
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 | 1,099 | $159,605,000 | $145,000 | $960,000 | $53,000 | $600,000 |
| Refinancing | 151 | $36,755,000 | $243,000 | $1,000,000 | $157,000 | $1,500,000 |
| 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 | 939 | $141,914,000 | $151,000 | $800,000 | $60,000 | $1,500,000 |
| Not Provided | 118 | $20,527,000 | $173,000 | $960,000 | $89,000 | $1,051,000 |
| Black or African American | 59 | $7,435,000 | $126,000 | $440,000 | $62,000 | $219,000 |
| Hispanic | 56 | $12,098,000 | $216,000 | $635,000 | $78,000 | $660,000 |
| Asian | 35 | $7,128,000 | $203,000 | $1,000,000 | $106,000 | $832,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $3,802,000 | $140,000 | $504,000 | $60,000 | $348,000 |
| American Indian or Alaskan Native | 16 | $3,456,000 | $216,000 | $650,000 | $88,000 | $660,000 |
| 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) | 1,250 | $196,360,000 | $157,000 | $1,000,000 | $65,000 | $1,500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 719 | $96,953,000 | $134,000 | $875,000 | $49,000 | $1,051,000 |
| Application Withdrawn By Applicant | 346 | $55,650,000 | $160,000 | $960,000 | $58,000 | $600,000 |
| Loan Originated | 182 | $43,186,000 | $237,000 | $1,000,000 | $139,000 | $1,500,000 |
| Application Approved But Not Accepted | 3 | $571,000 | $190,000 | $265,000 | $386,000 | $1,051,000 |
| File Closed For Incompleteness | 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 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 381 | $50,834,000 | $133,000 | $800,000 | $45,000 | $600,000 |
| Collateral | 252 | $34,274,000 | $136,000 | $875,000 | $54,000 | $1,051,000 |
| Other | 31 | $4,298,000 | $138,000 | $580,000 | $41,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $3,728,000 | $149,000 | $500,000 | $64,000 | $360,000 |
| Debt-To-Income Ratio | 13 | $1,753,000 | $134,000 | $544,000 | $58,000 | $162,000 |
| Employment History | 8 | $831,000 | $103,000 | $163,000 | $38,000 | $129,000 |
| Credit Application Incomplete | 8 | $1,035,000 | $129,000 | $255,000 | $49,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Unified Mortgage, Inc's 2006 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 Unified Mortgage, Inc'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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