First American Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First American Bank 2022 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 | First American Bank 80 Stratford Drive Elk Grove Village, IL 60108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,947 |
| Total Mortgage Loan Application Amount | $787,675,000 |
| Average Mortgage Loan Application Amount | $197,600 |
| Highest Mortgage Loan Application Amount | $7,955,000 |
| Average Applicant Income | $155,200 |
| Highest Applicant Income | $8,328,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with First American 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 First American Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down First American 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 First American Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First American 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 First American Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 1,730 | $ 255,260,000 | $ 147,000 | $ 147,000 |
| DuPage County Illinois | 473 | $ 71,665,000 | $ 151,000 | $ 168,000 |
| Kane County Illinois | 393 | $ 44,525,000 | $ 113,000 | $ 125,000 |
| Miami-Dade County Florida | 377 | $ 132,975,000 | $ 352,000 | $ 230,000 |
| Lake County Illinois | 376 | $ 44,990,000 | $ 119,000 | $ 146,000 |
| Will County Illinois | 353 | $ 40,515,000 | $ 114,000 | $ 127,000 |
| Kenosha County Wisconsin | 179 | $ 19,925,000 | $ 111,000 | $ 100,000 |
| McHenry County Illinois | 138 | $ 14,430,000 | $ 104,000 | $ 118,000 |
| Broward County Florida | 97 | $ 24,915,000 | $ 256,000 | $ 151,000 |
| Kankakee County Illinois | 83 | $ 5,455,000 | $ 65,000 | $ 75,000 |
| Kendall County Illinois | 74 | $ 6,620,000 | $ 89,000 | $ 144,000 |
| Palm Beach County Florida | 64 | $ 16,220,000 | $ 253,000 | $ 192,000 |
| Milwaukee County Wisconsin | 40 | $ 2,860,000 | $ 71,000 | $ 92,000 |
| DeKalb County Illinois | 31 | $ 2,565,000 | $ 82,000 | $ 122,000 |
| Lake County Indiana | 28 | $ 3,370,000 | $ 120,000 | $ 104,000 |
| Racine County Wisconsin | 26 | $ 3,570,000 | $ 137,000 | $ 110,000 |
| Walworth County Wisconsin | 21 | $ 4,005,000 | $ 190,000 | $ 216,000 |
| Maricopa County Arizona | 19 | $ 3,355,000 | $ 176,000 | $ 213,000 |
| Collier County Florida | 18 | $ 5,380,000 | $ 298,000 | $ 221,000 |
| Lee County Florida | 18 | $ 4,570,000 | $ 253,000 | $ 178,000 |
| Winnebago County Illinois | 13 | $ 1,115,000 | $ 85,000 | $ 86,000 |
| Monroe County Florida | 11 | $ 3,045,000 | $ 276,000 | $ 261,000 |
| Boone County Illinois | 11 | $ 635,000 | $ 57,000 | $ 82,000 |
| Grundy County Illinois | 11 | $ 985,000 | $ 89,000 | $ 106,000 |
| Porter County Indiana | 11 | $ 1,175,000 | $ 106,000 | $ 144,000 |
| Pinellas County Florida | 10 | $ 6,380,000 | $ 638,000 | $ 1,024,000 |
| Waukesha County Wisconsin | 10 | $ 1,130,000 | $ 113,000 | $ 213,000 |
| Manatee County Florida | 9 | $ 1,585,000 | $ 176,000 | $ 174,000 |
| Los Angeles County California | 7 | $ 1,655,000 | $ 236,000 | $ 483,000 |
| St. Lucie County Florida | 7 | $ 1,015,000 | $ 145,000 | $ 148,000 |
| Mecklenburg County North Carolina | 7 | $ 795,000 | $ 113,000 | $ 108,000 |
| Orange County Florida | 6 | $ 1,360,000 | $ 226,000 | $ 194,000 |
| LaSalle County Illinois | 6 | $ 1,310,000 | $ 218,000 | $ 106,000 |
| Berrien County Michigan | 5 | $ 1,305,000 | $ 261,000 | $ 304,000 |
| St. Louis County Minnesota | 5 | $ 415,000 | $ 83,000 | $ 116,000 |
| Sarasota County Florida | 4 | $ 790,000 | $ 197,000 | $ 254,000 |
| St. Johns County Florida | 4 | $ 1,070,000 | $ 267,000 | $ 206,000 |
| Hamilton County Indiana | 4 | $ 540,000 | $ 135,000 | $ 215,000 |
| LaPorte County Indiana | 4 | $ 420,000 | $ 105,000 | $ 102,000 |
| St. Louis County Missouri | 4 | $ 950,000 | $ 237,000 | $ 196,000 |
| Clark County Nevada | 4 | $ 880,000 | $ 220,000 | $ 148,000 |
| Montgomery County Pennsylvania | 4 | $ 790,000 | $ 197,000 | $ 150,000 |
| Fond du Lac County Wisconsin | 4 | $ 180,000 | $ 45,000 | $ 62,000 |
| Rock County Wisconsin | 4 | $ 340,000 | $ 85,000 | $ 80,000 |
| San Diego County California | 3 | $ 455,000 | $ 151,000 | $ 583,000 |
| Douglas County Colorado | 3 | $ 1,025,000 | $ 341,000 | $ 152,000 |
| Brevard County Florida | 3 | $ 1,055,000 | $ 351,000 | $ 221,000 |
| Charlotte County Florida | 3 | $ 965,000 | $ 321,000 | $ 255,000 |
| Hillsborough County Florida | 3 | $ 325,000 | $ 108,000 | $ 143,000 |
| Marion County Florida | 3 | $ 375,000 | $ 125,000 | $ 73,000 |
| Seminole County Florida | 3 | $ 675,000 | $ 225,000 | $ 128,000 |
| Sumter County Florida | 3 | $ 265,000 | $ 88,000 | $ 96,000 |
| Walton County Florida | 3 | $ 1,405,000 | $ 468,000 | $ 1,790,000 |
| Adams County Illinois | 3 | $ 455,000 | $ 151,000 | $ 82,000 |
| Iroquois County Illinois | 3 | $ 325,000 | $ 108,000 | $ 52,000 |
| Lee County Illinois | 3 | $ 175,000 | $ 58,000 | $ 139,000 |
| McLean County Illinois | 3 | $ 305,000 | $ 101,000 | $ 80,000 |
| Montgomery County Maryland | 3 | $ 175,000 | $ 58,000 | $ 138,000 |
| Oakland County Michigan | 3 | $ 385,000 | $ 128,000 | $ 194,000 |
| Van Buren County Michigan | 3 | $ 335,000 | $ 111,000 | $ 235,000 |
| Morris County New Jersey | 3 | $ 855,000 | $ 285,000 | $ 448,000 |
| Davidson County Tennessee | 3 | $ 1,455,000 | $ 485,000 | $ 1,517,000 |
| Loudon County Tennessee | 3 | $ 1,155,000 | $ 385,000 | $ 225,000 |
| Brown County Wisconsin | 3 | $ 165,000 | $ 55,000 | $ 151,000 |
| Dane County Wisconsin | 3 | $ 5,025,000 | $ 1,675,000 | $ 59,000 |
| Dodge County Wisconsin | 3 | $ 395,000 | $ 131,000 | $ 75,000 |
| Manitowoc County Wisconsin | 3 | $ 165,000 | $ 55,000 | $ 74,000 |
| Pima County Arizona | 2 | $ 580,000 | $ 290,000 | $ 125,000 |
| Pinal County Arizona | 2 | $ 590,000 | $ 295,000 | $ 72,000 |
| Orange County California | 2 | $ 560,000 | $ 280,000 | $ 258,000 |
| Santa Barbara County California | 2 | $ 410,000 | $ 205,000 | $ 212,000 |
| Summit County Colorado | 2 | $ 330,000 | $ 165,000 | $ 112,000 |
| Alachua County Florida | 2 | $ 870,000 | $ 435,000 | $ 234,000 |
| Duval County Florida | 2 | $ 370,000 | $ 185,000 | $ 318,000 |
| Indian River County Florida | 2 | $ 90,000 | $ 45,000 | $ 33,000 |
| Martin County Florida | 2 | $ 70,000 | $ 35,000 | $ 80,000 |
| Carroll County Illinois | 2 | $ 1,260,000 | $ 630,000 | $ 42,000 |
| Peoria County Illinois | 2 | $ 120,000 | $ 60,000 | $ 49,000 |
| Stephenson County Illinois | 2 | $ 150,000 | $ 75,000 | $ 60,000 |
| Whiteside County Illinois | 2 | $ 330,000 | $ 165,000 | $ 57,000 |
| Jasper County Indiana | 2 | $ 420,000 | $ 210,000 | $ 53,000 |
| Kosciusko County Indiana | 2 | $ 180,000 | $ 90,000 | $ 203,000 |
| Tippecanoe County Indiana | 2 | $ 190,000 | $ 95,000 | $ 126,000 |
| Worcester County Maryland | 2 | $ 110,000 | $ 55,000 | $ 66,000 |
| Middlesex County Massachusetts | 2 | $ 1,080,000 | $ 540,000 | $ 550,000 |
| Kent County Michigan | 2 | $ 190,000 | $ 95,000 | $ 91,000 |
| Oceana County Michigan | 2 | $ 380,000 | $ 190,000 | $ 277,000 |
| Olmsted County Minnesota | 2 | $ 330,000 | $ 165,000 | $ 84,000 |
| Scott County Minnesota | 2 | $ 690,000 | $ 345,000 | $ 254,000 |
| Kings County New York | 2 | $ 190,000 | $ 95,000 | $ 297,000 |
| Wake County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 210,000 |
| Aiken County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 133,000 |
| Charleston County South Carolina | 2 | $ 170,000 | $ 85,000 | $ 355,000 |
| Sumner County Tennessee | 2 | $ 80,000 | $ 40,000 | $ 113,000 |
| Williamson County Tennessee | 2 | $ 280,000 | $ 140,000 | $ 291,000 |
| King County Washington | 2 | $ 1,260,000 | $ 630,000 | $ 563,000 |
| Adams County Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 104,000 |
| Green Lake County Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 92,000 |
| Outagamie County Wisconsin | 2 | $ 170,000 | $ 85,000 | $ 67,000 |
| Washington County Wisconsin | 2 | $ 100,000 | $ 50,000 | $ 121,000 |
| Mohave County Arizona | 1 | $ 185,000 | $ 185,000 | $ 238,000 |
| Howard County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Jefferson County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Riverside County California | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Stanislaus County California | 1 | $ 25,000 | $ 25,000 | $ 108,000 |
| Tulare County California | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Denver County Colorado | 1 | $ 315,000 | $ 315,000 | $ 270,000 |
| El Paso County Colorado | 1 | $ 105,000 | $ 105,000 | $ 204,000 |
| Garfield County Colorado | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Jefferson County Colorado | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Montezuma County Colorado | 1 | $ 75,000 | $ 75,000 | $ 87,000 |
| Routt County Colorado | 1 | $ 595,000 | $ 595,000 | $ 302,000 |
| Windham County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| District of Columbia County District Of Columbia | 1 | $ 655,000 | $ 655,000 | $ 485,000 |
| Hernando County Florida | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Osceola County Florida | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Volusia County Florida | 1 | $ 255,000 | $ 255,000 | $ 50,000 |
| Camden County Georgia | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Chatham County Georgia | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Cobb County Georgia | 1 | $ 85,000 | $ 85,000 | $ 271,000 |
| Fulton County Georgia | 1 | $ 225,000 | $ 225,000 | $ 364,000 |
| Jackson County Georgia | 1 | $ 15,000 | $ 15,000 | $ 91,000 |
| Liberty County Georgia | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Spalding County Georgia | 1 | $ 45,000 | $ 45,000 | $ 111,000 |
| Ada County Idaho | 1 | $ 635,000 | $ 635,000 | $ 193,000 |
| Canyon County Idaho | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Champaign County Illinois | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Fulton County Illinois | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Jackson County Illinois | 1 | $ 55,000 | $ 55,000 | $ 166,000 |
| Jo Daviess County Illinois | 1 | $ 105,000 | $ 105,000 | $ 11,000 |
| Livingston County Illinois | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Macoupin County Illinois | 1 | $ 285,000 | $ 285,000 | $ 383,000 |
| Mason County Illinois | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Sangamon County Illinois | 1 | $ 35,000 | $ 35,000 | $ 8,000 |
| St. Clair County Illinois | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Boone County Indiana | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Elkhart County Indiana | 1 | $ 205,000 | $ 205,000 | $ 44,000 |
| Hendricks County Indiana | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| LaGrange County Indiana | 1 | $ 165,000 | $ 165,000 | $ 182,000 |
| Marion County Indiana | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Marshall County Indiana | 1 | $ 205,000 | $ 205,000 | $ 795,000 |
| White County Indiana | 1 | $ 305,000 | $ 305,000 | $ 239,000 |
| Polk County Iowa | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Scott County Iowa | 1 | $ 5,000 | $ 5,000 | $ 74,000 |
| Johnson County Kansas | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Jefferson County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 1,289,000 |
| Trigg County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Baltimore City County Maryland | 1 | $ 195,000 | $ 195,000 | $ 151,000 |
| Prince George's County Maryland | 1 | $ 105,000 | $ 105,000 | $ 3,663,000 |
| Hampden County Massachusetts | 1 | $ 175,000 | $ 175,000 | $ 179,000 |
| Plymouth County Massachusetts | 1 | $ 505,000 | $ 505,000 | $ 274,000 |
| Allegan County Michigan | 1 | $ 515,000 | $ 515,000 | $ 185,000 |
| Genesee County Michigan | 1 | $ 15,000 | $ 15,000 | $ 205,000 |
| Crow Wing County Minnesota | 1 | $ 5,000 | $ 5,000 | $ 21,000 |
| Ramsey County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 147,000 |
| Sherburne County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 40,000 |
| Stearns County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Wright County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 121,000 |
| Madison County Mississippi | 1 | $ 25,000 | $ 25,000 | $ 11,000 |
| Macon County Missouri | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Morgan County Missouri | 1 | $ 85,000 | $ 85,000 | $ 131,000 |
| St. Louis City County Missouri | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Taney County Missouri | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Worth County Missouri | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Belknap County New Hampshire | 1 | $ 505,000 | $ 505,000 | $ 23,000 |
| Essex County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 288,000 |
| Monmouth County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 235,000 |
| Passaic County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Dona Ana County New Mexico | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Lea County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Erie County New York | 1 | $ 155,000 | $ 155,000 | $ 179,000 |
| Nassau County New York | 1 | $ 505,000 | $ 505,000 | $ 564,000 |
| New York County New York | 1 | $ 205,000 | $ 205,000 | $ 615,000 |
| Brunswick County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 209,000 |
| New Hanover County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 282,000 |
| Orange County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Allegheny County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Clarion County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 161,000 |
| Beaufort County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 320,000 |
| Maury County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Sevier County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 207,000 |
| Wilson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Summit County Utah | 1 | $ 1,275,000 | $ 1,275,000 | $ 393,000 |
| Wasatch County Utah | 1 | $ 1,315,000 | $ 1,315,000 | $ 400,000 |
| Washington County Utah | 1 | $ 135,000 | $ 135,000 | $ 151,000 |
| Bedford County Virginia | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Loudoun County Virginia | 1 | $ 205,000 | $ 205,000 | $ 467,000 |
| Mecklenburg County Virginia | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Pierce County Washington | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Spokane County Washington | 1 | $ 415,000 | $ 415,000 | $ 76,000 |
| Buffalo County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Calumet County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Door County Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 308,000 |
| Forest County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Jackson County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| La Crosse County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Lincoln County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 157,000 |
| Pierce County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Price County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Sauk County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Sheboygan County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| St. Croix County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Waupaca County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Winnebago County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 228,000 |
Mortgage Loan Application Detail Totals for First American Bank in 2022
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 Improvement | 1,662 | $174,430,000 | $104,000 | $1,005,000 | $154,000 | $3,663,000 |
| Other Purpose | 1,362 | $141,060,000 | $103,000 | $2,505,000 | $149,000 | $8,328,000 |
| Refinancing | 912 | $165,130,000 | $181,000 | $4,565,000 | $147,000 | $4,875,000 |
| Home Purchase | 626 | $196,640,000 | $314,000 | $7,955,000 | $178,000 | $4,406,000 |
| Cash-out Refinancing | 385 | $110,415,000 | $286,000 | $6,905,000 | $148,000 | $2,730,000 |
| Not Applicable | 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 | 2,827 | $398,365,000 | $140,000 | $3,755,000 | $165,000 | $8,328,000 |
| Hispanic | 880 | $148,230,000 | $168,000 | $2,825,000 | $123,000 | $1,813,000 |
| Not Provided | 684 | $107,280,000 | $156,000 | $1,645,000 | $154,000 | $1,965,000 |
| Black or African American | 255 | $23,485,000 | $92,000 | $505,000 | $99,000 | $892,000 |
| Asian | 169 | $31,905,000 | $188,000 | $1,205,000 | $159,000 | $693,000 |
| Not applicable | 48 | $64,620,000 | $1,346,000 | $7,955,000 | $0 | $0 |
| American Indian or Alaskan Native | 19 | $2,755,000 | $145,000 | $405,000 | $175,000 | $959,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $605,000 | $201,000 | $415,000 | $126,000 | $186,000 |
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) | 4,897 | $776,895,000 | $158,000 | $7,955,000 | $155,000 | $8,328,000 |
| FHA-insured (Federal Housing Administration) | 44 | $9,490,000 | $215,000 | $455,000 | $88,000 | $395,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,290,000 | $215,000 | $305,000 | $92,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,702 | $427,500,000 | $158,000 | $7,955,000 | $172,000 | $8,328,000 |
| Application Denied By Financial Institution | 1,383 | $185,115,000 | $133,000 | $6,905,000 | $97,000 | $1,050,000 |
| Application Withdrawn By Applicant | 493 | $112,895,000 | $228,000 | $3,755,000 | $222,000 | $4,875,000 |
| File Closed For Incompleteness | 223 | $36,895,000 | $165,000 | $1,005,000 | $156,000 | $2,460,000 |
| Application Approved But Not Accepted | 131 | $21,965,000 | $167,000 | $1,005,000 | $129,000 | $474,000 |
| Preapproval Denied by Financial Institution | 14 | $3,160,000 | $225,000 | $785,000 | $63,000 | $146,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $72,000 | $72,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,550 | $599,400,000 | $168,000 | $7,955,000 | $177,000 | $8,328,000 |
| Debt-To-Income Ratio | 883 | $119,785,000 | $135,000 | $2,005,000 | $76,000 | $525,000 |
| Credit History | 301 | $39,965,000 | $132,000 | $6,905,000 | $119,000 | $1,050,000 |
| Collateral | 164 | $19,510,000 | $118,000 | $585,000 | $160,000 | $880,000 |
| Other | 36 | $6,100,000 | $169,000 | $755,000 | $145,000 | $900,000 |
| Unverifiable Information | 10 | $1,750,000 | $175,000 | $505,000 | $74,000 | $194,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $455,000 | $455,000 | $455,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $535,000 | $535,000 | $535,000 | $108,000 | $108,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Bank's 2022 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 First American 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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