American Business Financial Mortgage Lending & HMDA Data, 2004

In 2004, American Business Financial of Philadelphia, PA reported 102,945 mortgage applications totaling $11.2 billion, down 20% from 2003. The average application was for $109,236, and applicants reported an average income of $57,662. 13% of its applications resulted in an originated loan and 33% were denied. Its largest markets were Philadelphia, PA (4,148), Chicago-Naperville-Joliet, IL (3,270) and Los Angeles-Long Beach-Glendale, CA (2,587) (applications in parentheses).

Mortgage Company & Address American Business Financial
100 Penn Square East
Philadelphia, PA 19107
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 102,945
Total Mortgage Loan Application Amount $11,245,310,000
Average Mortgage Loan Application Amount $109,236
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $57,662
Highest Applicant Income $9,177,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Business Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for American Business Financial by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 2,587 $ 516,927,000 $ 199,817 $ 84,000
Philadelphia, Pennsylvania 2,417 $ 168,784,000 $ 69,832 $ 43,000
Cook, Illinois 2,150 $ 241,749,000 $ 112,441 $ 57,000
Wayne, Michigan 1,245 $ 97,621,000 $ 78,410 $ 48,000
Prince George's, Maryland 1,140 $ 175,188,000 $ 153,673 $ 75,000
Harris, Texas 1,017 $ 91,452,000 $ 89,923 $ 65,000
Miami-Dade, Florida 924 $ 106,561,000 $ 115,325 $ 67,000
Broward, Florida 895 $ 102,846,000 $ 114,911 $ 66,000
Maricopa, Arizona 861 $ 92,614,000 $ 107,565 $ 63,000
Suffolk, New York 805 $ 139,968,000 $ 173,873 $ 78,000
San Bernardino, California 765 $ 102,336,000 $ 133,772 $ 66,000
Queens, New York 756 $ 152,400,000 $ 201,587 $ 81,000
Riverside, California 661 $ 98,172,000 $ 148,520 $ 83,000
Kings, New York 650 $ 144,119,000 $ 221,721 $ 88,000
Providence, Rhode Island 595 $ 74,653,000 $ 125,467 $ 53,000
Allegheny, Pennsylvania 594 $ 45,371,000 $ 76,382 $ 48,000
Hartford, Connecticut 593 $ 61,825,000 $ 104,258 $ 55,000
Montgomery, Pennsylvania 558 $ 75,233,000 $ 134,826 $ 71,000
Middlesex, Massachusetts 557 $ 91,488,000 $ 164,251 $ 81,000
Marion, Indiana 543 $ 38,929,000 $ 71,692 $ 52,000
Franklin, Ohio 535 $ 44,011,000 $ 82,263 $ 63,000
Palm Beach, Florida 532 $ 67,778,000 $ 127,402 $ 69,000
Delaware, Pennsylvania 505 $ 47,883,000 $ 94,817 $ 71,000
Hamilton, Ohio 490 $ 39,534,000 $ 80,681 $ 44,000
Dallas, Texas 490 $ 47,974,000 $ 97,906 $ 57,000
Orange, Florida 489 $ 50,411,000 $ 103,089 $ 60,000
Oakland, Michigan 474 $ 56,415,000 $ 119,018 $ 64,000
Nassau, New York 470 $ 88,663,000 $ 188,644 $ 100,000
Hillsborough, Florida 458 $ 44,139,000 $ 96,373 $ 48,000
New Haven, Connecticut 457 $ 49,983,000 $ 109,371 $ 53,000
Sacramento, California 449 $ 70,737,000 $ 157,543 $ 71,000
Shelby, Tennessee 436 $ 36,883,000 $ 84,594 $ 51,000
Montgomery, Maryland 433 $ 77,360,000 $ 178,660 $ 80,000
Jefferson, Kentucky 431 $ 30,793,000 $ 71,445 $ 46,000
Bucks, Pennsylvania 426 $ 56,637,000 $ 132,950 $ 62,000
Fairfax, Virginia 423 $ 75,447,000 $ 178,361 $ 82,000
Pinellas, Florida 416 $ 36,815,000 $ 88,497 $ 55,000
Worcester, Massachusetts 414 $ 57,184,000 $ 138,125 $ 64,000
DeKalb, Georgia 411 $ 45,734,000 $ 111,274 $ 58,000
Kent, Michigan 410 $ 29,996,000 $ 73,160 $ 45,000
Suffolk, Massachusetts 405 $ 80,722,000 $ 199,313 $ 79,000
Duval, Florida 402 $ 36,855,000 $ 91,679 $ 60,000
Plymouth, Massachusetts 401 $ 63,563,000 $ 158,511 $ 65,000
Lake, Indiana 392 $ 27,096,000 $ 69,122 $ 49,000
Baltimore, Maryland 389 $ 44,105,000 $ 113,380 $ 61,000
Prince William, Virginia 386 $ 66,487,000 $ 172,246 $ 77,000
Macomb, Michigan 385 $ 41,420,000 $ 107,584 $ 52,000
Erie, New York 385 $ 27,489,000 $ 71,400 $ 48,000
San Diego, California 373 $ 79,061,000 $ 211,959 $ 89,000
Essex, Massachusetts 368 $ 56,928,000 $ 154,695 $ 78,000
Lucas, Ohio 361 $ 26,895,000 $ 74,501 $ 52,000
Orange, California 359 $ 79,819,000 $ 222,337 $ 89,000
Baltimore City, Maryland 355 $ 26,076,000 $ 73,453 $ 49,000
Milwaukee, Wisconsin 347 $ 27,525,000 $ 79,322 $ 44,000
Berks, Pennsylvania 344 $ 30,404,000 $ 88,383 $ 45,000
Ocean, New Jersey 343 $ 46,969,000 $ 136,935 $ 71,000
Fairfield, Connecticut 339 $ 47,590,000 $ 140,383 $ 74,000
Will, Illinois 334 $ 37,372,000 $ 111,892 $ 64,000
New Castle, Delaware 332 $ 36,140,000 $ 108,855 $ 58,000
Gwinnett, Georgia 332 $ 37,917,000 $ 114,207 $ 64,000
Bexar, Texas 331 $ 25,695,000 $ 77,628 $ 50,000
Montgomery, Ohio 316 $ 23,895,000 $ 75,617 $ 50,000
Lee, Florida 315 $ 32,247,000 $ 102,371 $ 55,000
DuPage, Illinois 310 $ 38,073,000 $ 122,816 $ 59,000
Fulton, Georgia 303 $ 33,917,000 $ 111,937 $ 68,000
Bristol, Massachusetts 303 $ 46,059,000 $ 152,009 $ 64,000
Anne Arundel, Maryland 299 $ 43,227,000 $ 144,571 $ 68,000
King, Washington 299 $ 44,296,000 $ 148,147 $ 61,000
Contra Costa, California 294 $ 57,784,000 $ 196,544 $ 82,000
Kern, California 293 $ 29,757,000 $ 101,559 $ 64,000
Monmouth, New Jersey 291 $ 47,157,000 $ 162,051 $ 76,000
Bronx, New York 289 $ 58,902,000 $ 203,813 $ 69,000
Hampden, Massachusetts 288 $ 29,020,000 $ 100,763 $ 49,000
Tarrant, Texas 288 $ 27,596,000 $ 95,819 $ 65,000
Mecklenburg, North Carolina 285 $ 27,846,000 $ 97,705 $ 65,000
Cuyahoga, Ohio 283 $ 25,121,000 $ 88,766 $ 60,000
Fresno, California 282 $ 31,470,000 $ 111,595 $ 60,000
Camden, New Jersey 279 $ 30,798,000 $ 110,387 $ 62,000
Summit, Ohio 277 $ 23,703,000 $ 85,570 $ 54,000
Northampton, Pennsylvania 275 $ 27,020,000 $ 98,254 $ 60,000
Ventura, California 270 $ 65,773,000 $ 243,603 $ 86,000
Richmond, New York 269 $ 47,348,000 $ 176,014 $ 87,000
Lorain, Ohio 267 $ 22,537,000 $ 84,408 $ 54,000
Bernalillo, New Mexico 266 $ 26,245,000 $ 98,665 $ 50,000
San Joaquin, California 265 $ 41,848,000 $ 157,916 $ 71,000
Essex, New Jersey 264 $ 41,015,000 $ 155,359 $ 66,000
Monroe, New York 262 $ 21,546,000 $ 82,236 $ 44,000
Norfolk, Massachusetts 261 $ 46,404,000 $ 177,793 $ 85,000
Cobb, Georgia 260 $ 34,497,000 $ 132,680 $ 82,000
Genesee, Michigan 259 $ 20,066,000 $ 77,474 $ 48,000
Santa Clara, California 257 $ 65,782,000 $ 255,961 $ 101,000
Orange, New York 255 $ 36,990,000 $ 145,058 $ 86,000
Wake, North Carolina 255 $ 26,242,000 $ 102,909 $ 54,000
Middlesex, New Jersey 254 $ 40,147,000 $ 158,059 $ 67,000
Westchester, New York 251 $ 52,117,000 $ 207,637 $ 86,000
Lake, Illinois 250 $ 30,908,000 $ 123,632 $ 61,000
Oklahoma, Oklahoma 250 $ 18,002,000 $ 72,008 $ 44,000
Chester, Pennsylvania 242 $ 34,287,000 $ 141,681 $ 96,000
Lancaster, Pennsylvania 241 $ 22,437,000 $ 93,099 $ 47,000
Monroe, Pennsylvania 241 $ 27,728,000 $ 115,053 $ 61,000
Pima, Arizona 234 $ 21,482,000 $ 91,803 $ 60,000
Volusia, Florida 232 $ 20,310,000 $ 87,543 $ 54,000
Lehigh, Pennsylvania 232 $ 20,084,000 $ 86,568 $ 53,000
Pasco, Florida 224 $ 18,219,000 $ 81,334 $ 40,000
Virginia Beach, Virginia 224 $ 22,202,000 $ 99,116 $ 69,000
Brevard, Florida 222 $ 20,735,000 $ 93,400 $ 49,000
Onondaga, New York 217 $ 15,291,000 $ 70,465 $ 52,000
Burlington, New Jersey 216 $ 25,648,000 $ 118,740 $ 69,000
Davidson, Tennessee 216 $ 20,880,000 $ 96,666 $ 53,000
Pierce, Washington 216 $ 23,481,000 $ 108,708 $ 58,000
Polk, Florida 215 $ 17,977,000 $ 83,613 $ 47,000
Guilford, North Carolina 215 $ 18,986,000 $ 88,306 $ 55,000
Tulsa, Oklahoma 214 $ 17,188,000 $ 80,317 $ 52,000
Kane, Illinois 210 $ 22,037,000 $ 104,938 $ 55,000
Hennepin, Minnesota 207 $ 27,741,000 $ 134,014 $ 59,000
Westmoreland, Pennsylvania 207 $ 17,325,000 $ 83,695 $ 93,000
Butler, Ohio 205 $ 14,828,000 $ 72,331 $ 77,000
Luzerne, Pennsylvania 201 $ 16,773,000 $ 83,447 $ 43,000
Berrien, Michigan 199 $ 14,631,000 $ 73,522 $ 37,000
Union, New Jersey 199 $ 33,446,000 $ 168,070 $ 74,000
Muskegon, Michigan 197 $ 12,118,000 $ 61,512 $ 46,000
Mercer, New Jersey 190 $ 21,107,000 $ 111,089 $ 54,000
Ingham, Michigan 189 $ 15,480,000 $ 81,904 $ 55,000
Stanislaus, California 185 $ 25,382,000 $ 137,200 $ 66,000
Stark, Ohio 185 $ 14,934,000 $ 80,724 $ 53,000
Ottawa, Michigan 180 $ 14,221,000 $ 79,005 $ 46,000
Pulaski, Arkansas 179 $ 13,483,000 $ 75,324 $ 55,000
Collier, Florida 178 $ 20,556,000 $ 115,483 $ 61,000
Denver, Colorado 177 $ 21,138,000 $ 119,423 $ 52,000
Schuylkill, Pennsylvania 174 $ 10,942,000 $ 62,885 $ 35,000
Seminole, Florida 172 $ 19,584,000 $ 113,860 $ 70,000
Bergen, New Jersey 171 $ 37,709,000 $ 220,520 $ 112,000
Clayton, Georgia 170 $ 16,463,000 $ 96,841 $ 63,000
Alameda, California 163 $ 37,190,000 $ 228,159 $ 85,000
Adams, Colorado 162 $ 21,916,000 $ 135,283 $ 59,000
Fort Bend, Texas 162 $ 18,658,000 $ 115,172 $ 70,000
Chesterfield, Virginia 161 $ 16,988,000 $ 105,515 $ 61,000
York, Pennsylvania 160 $ 14,072,000 $ 87,950 $ 57,000
Snohomish, Washington 160 $ 19,162,000 $ 119,762 $ 71,000
Allen, Indiana 158 $ 10,771,000 $ 68,170 $ 41,000
Kalamazoo, Michigan 157 $ 12,942,000 $ 82,433 $ 48,000
Loudoun, Virginia 157 $ 31,089,000 $ 198,019 $ 74,000
Fayette, Kentucky 155 $ 12,573,000 $ 81,116 $ 42,000
Dutchess, New York 154 $ 20,307,000 $ 131,863 $ 66,000
Travis, Texas 154 $ 17,427,000 $ 113,162 $ 66,000
Oneida, New York 153 $ 10,054,000 $ 65,712 $ 46,000
McHenry, Illinois 151 $ 18,590,000 $ 123,112 $ 63,000
Atlantic, New Jersey 151 $ 17,146,000 $ 113,549 $ 64,000
Passaic, New Jersey 151 $ 25,619,000 $ 169,662 $ 72,000
Arapahoe, Colorado 150 $ 17,622,000 $ 117,480 $ 68,000
Polk, Iowa 149 $ 12,460,000 $ 83,624 $ 43,000
Barnstable, Massachusetts 149 $ 25,790,000 $ 173,087 $ 67,000
Solano, California 148 $ 25,170,000 $ 170,067 $ 77,000
Vanderburgh, Indiana 148 $ 8,249,000 $ 55,736 $ 34,000
Richland, South Carolina 146 $ 12,032,000 $ 82,410 $ 46,000
Marion, Florida 144 $ 13,097,000 $ 90,951 $ 46,000
Cumberland, North Carolina 144 $ 11,498,000 $ 79,847 $ 53,000
Kent, Rhode Island 142 $ 16,011,000 $ 112,753 $ 63,000
Charles, Maryland 139 $ 20,849,000 $ 149,992 $ 86,000
Gloucester, New Jersey 139 $ 15,456,000 $ 111,194 $ 67,000
Osceola, Florida 138 $ 13,836,000 $ 100,260 $ 56,000
Tulare, California 137 $ 12,413,000 $ 90,605 $ 51,000
Henrico, Virginia 137 $ 14,164,000 $ 103,386 $ 57,000
St. Lucie, Florida 136 $ 12,992,000 $ 95,529 $ 48,000
St. Joseph, Indiana 136 $ 11,224,000 $ 82,529 $ 35,000
St. Clair, Michigan 134 $ 10,930,000 $ 81,567 $ 61,000
Sarasota, Florida 131 $ 13,238,000 $ 101,053 $ 150,000
Winnebago, Illinois 131 $ 10,312,000 $ 78,717 $ 56,000
Frederick, Maryland 131 $ 18,727,000 $ 142,954 $ 64,000
Albany, New York 131 $ 11,588,000 $ 88,458 $ 44,000
Mahoning, Ohio 130 $ 9,200,000 $ 70,769 $ 41,000
Jackson, Michigan 126 $ 10,822,000 $ 85,888 $ 39,000
Greenville, South Carolina 126 $ 11,895,000 $ 94,404 $ 41,000
St. Clair, Illinois 124 $ 9,327,000 $ 75,217 $ 42,000
Hudson, New Jersey 124 $ 21,147,000 $ 170,540 $ 65,000
Harford, Maryland 123 $ 13,432,000 $ 109,203 $ 62,000
Multnomah, Oregon 122 $ 13,970,000 $ 114,508 $ 58,000
Knox, Tennessee 122 $ 10,870,000 $ 89,098 $ 60,000
Chesapeake, Virginia 121 $ 13,305,000 $ 109,958 $ 57,000
Dauphin, Pennsylvania 120 $ 9,517,000 $ 79,308 $ 44,000
Ulster, New York 119 $ 13,965,000 $ 117,352 $ 57,000
Charleston, South Carolina 119 $ 11,552,000 $ 97,075 $ 54,000
Spartanburg, South Carolina 117 $ 10,717,000 $ 91,598 $ 50,000
Hamilton, Tennessee 117 $ 8,827,000 $ 75,444 $ 46,000
Jefferson, Colorado 116 $ 16,717,000 $ 144,112 $ 79,000
Forsyth, North Carolina 116 $ 11,162,000 $ 96,224 $ 48,000
Erie, Pennsylvania 116 $ 9,397,000 $ 81,008 $ 44,000
Washington, Pennsylvania 116 $ 9,156,000 $ 78,931 $ 41,000
Gaston, North Carolina 114 $ 9,701,000 $ 85,096 $ 43,000
Kent, Delaware 113 $ 11,391,000 $ 100,805 $ 52,000
Kenton, Kentucky 113 $ 7,492,000 $ 66,300 $ 43,000
New London, Connecticut 112 $ 13,164,000 $ 117,535 $ 70,000
Broome, New York 112 $ 7,601,000 $ 67,866 $ 40,000
Trumbull, Ohio 112 $ 9,388,000 $ 83,821 $ 51,000
Hidalgo, Texas 112 $ 10,206,000 $ 91,125 $ 68,000
Chatham, Georgia 110 $ 8,794,000 $ 79,945 $ 46,000
Allegan, Michigan 110 $ 8,339,000 $ 75,809 $ 45,000
Douglas, Nebraska 110 $ 8,589,000 $ 78,081 $ 44,000
Morris, New Jersey 110 $ 21,174,000 $ 192,490 $ 91,000
Porter, Indiana 109 $ 7,538,000 $ 69,155 $ 54,000
Richmond, Georgia 108 $ 7,972,000 $ 73,814 $ 46,000
Merced, California 107 $ 14,822,000 $ 138,523 $ 77,000
El Paso, Colorado 107 $ 13,899,000 $ 129,897 $ 64,000
Hamilton, Indiana 107 $ 9,698,000 $ 90,635 $ 84,000
Spokane, Washington 106 $ 10,322,000 $ 97,377 $ 69,000
LaPorte, Indiana 105 $ 8,298,000 $ 79,028 $ 43,000
Rockland, New York 105 $ 18,884,000 $ 179,847 $ 87,000
Benton, Arkansas 104 $ 9,681,000 $ 93,086 $ 47,000
Lake, Florida 104 $ 10,371,000 $ 99,721 $ 59,000
Lycoming, Pennsylvania 104 $ 7,932,000 $ 76,269 $ 36,000
Cherokee, Georgia 101 $ 11,139,000 $ 110,287 $ 67,000
Henry, Georgia 101 $ 11,654,000 $ 115,386 $ 68,000
Niagara, New York 101 $ 7,878,000 $ 78,000 $ 41,000
Montgomery, Texas 101 $ 10,490,000 $ 103,861 $ 74,000
Sussex, Delaware 100 $ 10,274,000 $ 102,740 $ 53,000
Okaloosa, Florida 100 $ 10,908,000 $ 109,080 $ 59,000
Madison, Illinois 100 $ 7,440,000 $ 74,400 $ 40,000
Norfolk, Virginia 100 $ 8,805,000 $ 88,050 $ 42,000
Escambia, Florida 99 $ 7,638,000 $ 77,151 $ 45,000
Ada, Idaho 99 $ 9,546,000 $ 96,424 $ 67,000
Howard, Maryland 98 $ 18,310,000 $ 186,836 $ 82,000
Warren, Ohio 98 $ 9,737,000 $ 99,357 $ 68,000
Horry, South Carolina 98 $ 9,434,000 $ 96,265 $ 59,000
Saratoga, New York 97 $ 9,947,000 $ 102,546 $ 51,000
Manatee, Florida 96 $ 10,580,000 $ 110,208 $ 56,000
Van Buren, Michigan 96 $ 6,582,000 $ 68,562 $ 47,000
Richmond City, Virginia 95 $ 8,066,000 $ 84,905 $ 49,000
Durham, North Carolina 94 $ 9,368,000 $ 99,659 $ 57,000
Rowan, North Carolina 94 $ 7,791,000 $ 82,882 $ 36,000
Lackawanna, Pennsylvania 94 $ 7,936,000 $ 84,425 $ 53,000
Muscogee, Georgia 92 $ 7,354,000 $ 79,934 $ 44,000
Ramsey, Minnesota 92 $ 10,617,000 $ 115,402 $ 54,000
Pinal, Arizona 91 $ 7,589,000 $ 83,395 $ 40,000
Johnson, Indiana 91 $ 7,609,000 $ 83,615 $ 58,000
Saginaw, Michigan 91 $ 6,447,000 $ 70,846 $ 36,000
Clermont, Ohio 91 $ 8,661,000 $ 95,175 $ 55,000
El Paso, Texas 91 $ 7,853,000 $ 86,296 $ 55,000
Dakota, Minnesota 90 $ 12,633,000 $ 140,366 $ 60,000
Fayette, Pennsylvania 90 $ 5,925,000 $ 65,833 $ 38,000
York, South Carolina 90 $ 9,272,000 $ 103,022 $ 45,000
Washington, Arkansas 89 $ 7,508,000 $ 84,359 $ 35,000
Shiawassee, Michigan 89 $ 6,701,000 $ 75,292 $ 41,000
Washtenaw, Michigan 88 $ 11,251,000 $ 127,852 $ 76,000
Denton, Texas 88 $ 11,407,000 $ 129,625 $ 99,000
Stafford, Virginia 88 $ 14,785,000 $ 168,011 $ 74,000
Beaver, Pennsylvania 86 $ 6,520,000 $ 75,813 $ 83,000
Collin, Texas 86 $ 13,305,000 $ 154,709 $ 82,000
Douglas, Georgia 85 $ 9,944,000 $ 116,988 $ 58,000
Madison, Indiana 85 $ 5,833,000 $ 68,623 $ 42,000
Lake, Ohio 85 $ 7,146,000 $ 84,070 $ 56,000
Lexington, South Carolina 85 $ 8,787,000 $ 103,376 $ 48,000
Rockingham, New Hampshire 84 $ 11,006,000 $ 131,023 $ 72,000
San Mateo, California 83 $ 19,950,000 $ 240,361 $ 100,000
Blair, Pennsylvania 83 $ 5,692,000 $ 68,578 $ 37,000
Rutherford, Tennessee 83 $ 8,744,000 $ 105,349 $ 47,000
Livingston, Michigan 82 $ 9,794,000 $ 119,439 $ 62,000
Buncombe, North Carolina 82 $ 7,897,000 $ 96,304 $ 46,000
Newport News, Virginia 82 $ 6,852,000 $ 83,560 $ 46,000
Mohave, Arizona 81 $ 9,372,000 $ 115,703 $ 58,000
Sonoma, California 81 $ 19,900,000 $ 245,679 $ 89,000
Schenectady, New York 81 $ 5,598,000 $ 69,111 $ 44,000
Onslow, North Carolina 81 $ 5,834,000 $ 72,024 $ 45,000
Hillsborough, New Hampshire 80 $ 11,251,000 $ 140,637 $ 65,000
Licking, Ohio 80 $ 6,878,000 $ 85,975 $ 66,000
Cambria, Pennsylvania 80 $ 4,833,000 $ 60,412 $ 37,000
Pike, Pennsylvania 80 $ 7,430,000 $ 92,875 $ 47,000
Spotsylvania, Virginia 80 $ 10,504,000 $ 131,300 $ 61,000
Litchfield, Connecticut 79 $ 9,218,000 $ 116,683 $ 65,000
Peoria, Illinois 79 $ 5,687,000 $ 71,987 $ 45,000
Medina, Ohio 79 $ 8,379,000 $ 106,063 $ 69,000
Paulding, Georgia 78 $ 8,219,000 $ 105,371 $ 51,000
Eaton, Michigan 78 $ 6,855,000 $ 87,884 $ 69,000
Clark, Washington 78 $ 8,301,000 $ 106,423 $ 51,000
Campbell, Kentucky 77 $ 5,730,000 $ 74,415 $ 36,000
Washington, Maryland 77 $ 9,420,000 $ 122,337 $ 55,000
Calhoun, Michigan 77 $ 6,841,000 $ 88,844 $ 41,000
Middlesex, Connecticut 76 $ 9,513,000 $ 125,171 $ 53,000
Hernando, Florida 76 $ 5,558,000 $ 73,131 $ 67,000
Hendricks, Indiana 76 $ 5,086,000 $ 66,921 $ 53,000
Anoka, Minnesota 76 $ 9,530,000 $ 125,394 $ 55,000
New Hanover, North Carolina 76 $ 7,923,000 $ 104,250 $ 54,000
Berkeley, South Carolina 76 $ 7,503,000 $ 98,723 $ 52,000
Somerset, New Jersey 75 $ 13,308,000 $ 177,440 $ 78,000
Clark, Ohio 75 $ 5,834,000 $ 77,786 $ 53,000
Greene, Ohio 75 $ 5,777,000 $ 77,026 $ 55,000
Kenosha, Wisconsin 75 $ 7,423,000 $ 98,973 $ 61,000
Boone, Kentucky 74 $ 6,838,000 $ 92,405 $ 51,000
Dona Ana, New Mexico 74 $ 5,828,000 $ 78,756 $ 60,000
Cleveland, Oklahoma 73 $ 5,891,000 $ 80,698 $ 46,000
Weld, Colorado 72 $ 9,863,000 $ 136,986 $ 63,000
Monroe, Michigan 72 $ 7,451,000 $ 103,486 $ 56,000
Sullivan, New York 72 $ 6,543,000 $ 90,875 $ 58,000
Cleveland, North Carolina 72 $ 6,479,000 $ 89,986 $ 38,000
Butler, Pennsylvania 72 $ 7,126,000 $ 98,972 $ 49,000
Sullivan, Tennessee 72 $ 5,493,000 $ 76,291 $ 43,000
Grand Traverse, Michigan 71 $ 6,542,000 $ 92,140 $ 75,000
Sevier, Tennessee 71 $ 8,402,000 $ 118,338 $ 59,000
Bibb, Georgia 70 $ 5,109,000 $ 72,985 $ 38,000
Elkhart, Indiana 70 $ 5,526,000 $ 78,942 $ 43,000
Miami, Ohio 70 $ 4,318,000 $ 61,685 $ 49,000
Charlotte, Florida 69 $ 6,966,000 $ 100,956 $ 70,000
Davidson, North Carolina 69 $ 6,217,000 $ 90,101 $ 32,000
Ashtabula, Ohio 69 $ 5,556,000 $ 80,521 $ 65,000
Vigo, Indiana 68 $ 4,312,000 $ 63,411 $ 50,000
New York, New York 68 $ 13,653,000 $ 200,779 $ 109,000
Rensselaer, New York 68 $ 5,385,000 $ 79,191 $ 39,000
Randolph, North Carolina 68 $ 5,667,000 $ 83,338 $ 70,000
Richland, Ohio 68 $ 5,187,000 $ 76,279 $ 35,000
Kitsap, Washington 68 $ 8,378,000 $ 123,205 $ 49,000
LaSalle, Illinois 67 $ 5,456,000 $ 81,432 $ 51,000
Oswego, New York 67 $ 4,409,000 $ 65,805 $ 50,000
Union, North Carolina 67 $ 6,117,000 $ 91,298 $ 52,000
Scioto, Ohio 67 $ 4,380,000 $ 65,373 $ 42,000
Northumberland, Pennsylvania 67 $ 4,778,000 $ 71,313 $ 32,000
Cochise, Arizona 66 $ 6,480,000 $ 98,181 $ 60,000
Indian River, Florida 66 $ 6,030,000 $ 91,363 $ 38,000
Clark, Indiana 66 $ 4,423,000 $ 67,015 $ 41,000
Clinton, Michigan 66 $ 5,260,000 $ 79,696 $ 71,000
Cumberland, Pennsylvania 66 $ 5,956,000 $ 90,242 $ 48,000
Manassas, Virginia 66 $ 9,537,000 $ 144,500 $ 63,000
Brown, Wisconsin 66 $ 5,578,000 $ 84,515 $ 56,000
Placer, California 65 $ 10,994,000 $ 169,138 $ 114,000
Leon, Florida 65 $ 5,480,000 $ 84,307 $ 49,000
Cass, Michigan 65 $ 6,157,000 $ 94,723 $ 43,000
Lenawee, Michigan 65 $ 6,624,000 $ 101,907 $ 52,000
Alamance, North Carolina 65 $ 5,809,000 $ 89,369 $ 65,000
Montgomery, Tennessee 65 $ 5,105,000 $ 78,538 $ 53,000
Yuma, Arizona 64 $ 5,734,000 $ 89,593 $ 45,000
Windham, Connecticut 64 $ 7,294,000 $ 113,968 $ 50,000
Pottawattamie, Iowa 64 $ 5,314,000 $ 83,031 $ 47,000
Cumberland, New Jersey 64 $ 5,805,000 $ 90,703 $ 51,000
Sussex, New Jersey 64 $ 8,416,000 $ 131,500 $ 136,000
Sandoval, New Mexico 64 $ 6,693,000 $ 104,578 $ 44,000
Chautauqua, New York 64 $ 4,416,000 $ 69,000 $ 40,000
Iredell, North Carolina 64 $ 7,227,000 $ 112,921 $ 45,000
Wood, Ohio 64 $ 5,956,000 $ 93,062 $ 52,000
Carbon, Pennsylvania 64 $ 6,045,000 $ 94,453 $ 49,000
Delaware, Indiana 63 $ 4,340,000 $ 68,888 $ 36,000
Carroll, Maryland 63 $ 8,767,000 $ 139,158 $ 137,000
Anderson, South Carolina 63 $ 5,323,000 $ 84,492 $ 53,000
Florence, South Carolina 63 $ 4,790,000 $ 76,031 $ 43,000
Dane, Wisconsin 63 $ 7,507,000 $ 119,158 $ 57,000
Jefferson, Arkansas 62 $ 4,001,000 $ 64,532 $ 40,000
Chemung, New York 62 $ 3,939,000 $ 63,532 $ 34,000
Pitt, North Carolina 62 $ 5,577,000 $ 89,951 $ 47,000
Delaware, Ohio 62 $ 7,554,000 $ 121,838 $ 114,000
Sumner, Tennessee 62 $ 7,053,000 $ 113,758 $ 63,000
Clay, Florida 61 $ 6,088,000 $ 99,803 $ 50,000
Coweta, Georgia 61 $ 5,841,000 $ 95,754 $ 43,000
Hall, Georgia 61 $ 6,689,000 $ 109,655 $ 49,000
Canyon, Idaho 61 $ 5,453,000 $ 89,393 $ 53,000
Cayuga, New York 61 $ 4,019,000 $ 65,885 $ 47,000
Portage, Ohio 61 $ 6,505,000 $ 106,639 $ 63,000
Tazewell, Illinois 60 $ 4,322,000 $ 72,033 $ 45,000
Jefferson, Ohio 60 $ 4,286,000 $ 71,433 $ 37,000
Mercer, Pennsylvania 60 $ 4,609,000 $ 76,816 $ 52,000
Rock, Wisconsin 60 $ 5,372,000 $ 89,533 $ 46,000
Wilson, Tennessee 59 $ 5,342,000 $ 90,542 $ 57,000
Galveston, Texas 59 $ 5,027,000 $ 85,203 $ 61,000
Comanche, Oklahoma 58 $ 4,045,000 $ 69,741 $ 78,000
Aiken, South Carolina 58 $ 4,816,000 $ 83,034 $ 42,000
Portsmouth, Virginia 58 $ 5,088,000 $ 87,724 $ 49,000
Shasta, California 57 $ 6,600,000 $ 115,789 $ 59,000
Citrus, Florida 57 $ 5,276,000 $ 92,561 $ 48,000
Houston, Georgia 57 $ 5,384,000 $ 94,456 $ 59,000
Sangamon, Illinois 57 $ 4,251,000 $ 74,578 $ 40,000
Wicomico, Maryland 57 $ 5,324,000 $ 93,403 $ 54,000
Beaufort, South Carolina 57 $ 7,005,000 $ 122,894 $ 58,000
Cameron, Texas 57 $ 4,819,000 $ 84,543 $ 53,000
Carroll, Georgia 56 $ 4,278,000 $ 76,392 $ 61,000
Rock Island, Illinois 56 $ 4,019,000 $ 71,767 $ 45,000
Calvert, Maryland 56 $ 8,249,000 $ 147,303 $ 109,000
Lapeer, Michigan 56 $ 5,786,000 $ 103,321 $ 66,000
Cape May, New Jersey 56 $ 7,661,000 $ 136,803 $ 86,000
Ontario, New York 56 $ 5,017,000 $ 89,589 $ 60,000
St. Lawrence, New York 56 $ 3,580,000 $ 63,928 $ 53,000
San Francisco, California 55 $ 10,919,000 $ 198,527 $ 88,000
Champaign, Illinois 55 $ 3,933,000 $ 71,509 $ 39,000
Jefferson, New York 55 $ 3,267,000 $ 59,400 $ 57,000
Catawba, North Carolina 55 $ 4,601,000 $ 83,654 $ 44,000
Allen, Ohio 55 $ 3,131,000 $ 56,927 $ 44,000
Wayne, Ohio 55 $ 4,712,000 $ 85,672 $ 46,000
Centre, Pennsylvania 55 $ 4,473,000 $ 81,327 $ 67,000
Lawrence, Pennsylvania 55 $ 3,811,000 $ 69,290 $ 30,000
Hampton, Virginia 55 $ 5,085,000 $ 92,454 $ 39,000
Newton, Georgia 54 $ 5,209,000 $ 96,462 $ 83,000
Lancaster, Nebraska 54 $ 5,712,000 $ 105,777 $ 46,000
Steuben, New York 54 $ 3,258,000 $ 60,333 $ 34,000
Belmont, Ohio 54 $ 3,727,000 $ 69,018 $ 54,000
Columbiana, Ohio 54 $ 4,328,000 $ 80,148 $ 41,000
Franklin, Pennsylvania 54 $ 4,952,000 $ 91,703 $ 49,000
Flagler, Florida 53 $ 6,018,000 $ 113,547 $ 51,000
Kankakee, Illinois 53 $ 3,789,000 $ 71,490 $ 44,000
Tuscarawas, Ohio 53 $ 4,133,000 $ 77,981 $ 35,000
Washington, Rhode Island 53 $ 7,822,000 $ 147,584 $ 59,000
Alachua, Florida 52 $ 3,869,000 $ 74,403 $ 50,000
Cabarrus, North Carolina 52 $ 4,799,000 $ 92,288 $ 61,000
Johnston, North Carolina 52 $ 4,715,000 $ 90,673 $ 85,000
Fairfield, Ohio 52 $ 4,827,000 $ 92,826 $ 61,000
Washington, Oregon 52 $ 7,821,000 $ 150,403 $ 115,000
Roanoke City, Virginia 52 $ 3,732,000 $ 71,769 $ 32,000
Kings, California 51 $ 5,091,000 $ 99,823 $ 39,000
Bay, Florida 51 $ 3,790,000 $ 74,313 $ 40,000
Montcalm, Michigan 51 $ 4,349,000 $ 85,274 $ 45,000
Erie, Ohio 51 $ 4,022,000 $ 78,862 $ 49,000
Clinton, Pennsylvania 51 $ 2,999,000 $ 58,803 $ 40,000
Dorchester, South Carolina 51 $ 3,881,000 $ 76,098 $ 37,000
Thurston, Washington 51 $ 5,414,000 $ 106,156 $ 66,000
Yavapai, Arizona 50 $ 4,562,000 $ 91,240 $ 51,000
Santa Rosa, Florida 50 $ 4,845,000 $ 96,900 $ 60,000
Clinton, New York 50 $ 4,020,000 $ 80,400 $ 57,000
Muskogee, Oklahoma 50 $ 3,404,000 $ 68,080 $ 45,000
Lane, Oregon 50 $ 5,053,000 $ 101,060 $ 52,000
Marion, Oregon 50 $ 4,764,000 $ 95,280 $ 56,000
Adams, Pennsylvania 50 $ 4,874,000 $ 97,480 $ 59,000
Crawford, Pennsylvania 50 $ 3,459,000 $ 69,180 $ 48,000
Suffolk, Virginia 50 $ 4,249,000 $ 84,980 $ 43,000
Pueblo, Colorado 49 $ 4,641,000 $ 94,714 $ 50,000
Cecil, Maryland 49 $ 5,779,000 $ 117,938 $ 61,000
Cattaraugus, New York 49 $ 3,371,000 $ 68,795 $ 41,000
Robeson, North Carolina 49 $ 3,082,000 $ 62,897 $ 44,000
Lawrence, Ohio 49 $ 3,344,000 $ 68,244 $ 27,000
Lebanon, Pennsylvania 49 $ 4,020,000 $ 82,040 $ 44,000
Williamson, Texas 49 $ 6,105,000 $ 124,591 $ 60,000
Butte, California 48 $ 4,805,000 $ 100,104 $ 55,000
Martin, Florida 48 $ 6,105,000 $ 127,187 $ 83,000
Columbia, Georgia 48 $ 5,036,000 $ 104,916 $ 68,000
Fayette, Georgia 48 $ 5,509,000 $ 114,770 $ 71,000
Kendall, Illinois 48 $ 4,978,000 $ 103,708 $ 62,000
Wright, Minnesota 48 $ 6,340,000 $ 132,083 $ 96,000
Brazoria, Texas 48 $ 5,318,000 $ 110,791 $ 62,000
Garland, Arkansas 47 $ 3,924,000 $ 83,489 $ 45,000
Monterey, California 47 $ 9,472,000 $ 201,531 $ 119,000
Tolland, Connecticut 47 $ 5,309,000 $ 112,957 $ 68,000
Whitfield, Georgia 47 $ 4,199,000 $ 89,340 $ 42,000
Shelby, Indiana 47 $ 4,296,000 $ 91,404 $ 42,000
Black Hawk, Iowa 47 $ 3,939,000 $ 83,808 $ 41,000
Scott, Iowa 47 $ 3,855,000 $ 82,021 $ 34,000
Warren, New York 47 $ 4,671,000 $ 99,382 $ 61,000
Wayne, New York 47 $ 3,247,000 $ 69,085 $ 44,000
Muskingum, Ohio 47 $ 3,947,000 $ 83,978 $ 37,000
Sandusky, Ohio 47 $ 3,139,000 $ 66,787 $ 45,000
Sumter, South Carolina 47 $ 3,551,000 $ 75,553 $ 37,000
Frederick, Virginia 47 $ 4,865,000 $ 103,510 $ 56,000
Yakima, Washington 47 $ 4,243,000 $ 90,276 $ 41,000
Waukesha, Wisconsin 47 $ 6,081,000 $ 129,382 $ 69,000
Craighead, Arkansas 46 $ 3,640,000 $ 79,130 $ 48,000
Hopkins, Kentucky 46 $ 2,279,000 $ 49,543 $ 38,000
Herkimer, New York 46 $ 3,321,000 $ 72,195 $ 44,000
Rockingham, North Carolina 46 $ 3,965,000 $ 86,195 $ 49,000
Crawford, Arkansas 45 $ 3,589,000 $ 79,755 $ 46,000
Crittenden, Arkansas 45 $ 3,429,000 $ 76,200 $ 49,000
Santa Barbara, California 45 $ 7,240,000 $ 160,888 $ 87,000
Bartow, Georgia 45 $ 4,039,000 $ 89,755 $ 44,000
Dougherty, Georgia 45 $ 2,852,000 $ 63,377 $ 42,000
Forsyth, Georgia 45 $ 7,718,000 $ 171,511 $ 77,000
Washington, New York 45 $ 3,242,000 $ 72,044 $ 61,000
Caldwell, North Carolina 45 $ 3,474,000 $ 77,200 $ 52,000
Imperial, California 44 $ 4,013,000 $ 91,204 $ 52,000
Liberty, Georgia 44 $ 3,343,000 $ 75,977 $ 51,000
Monroe, Indiana 44 $ 4,012,000 $ 91,181 $ 50,000
Linn, Iowa 44 $ 3,259,000 $ 74,068 $ 43,000
St. Mary's, Maryland 44 $ 5,442,000 $ 123,681 $ 70,000
Berkshire, Massachusetts 44 $ 4,358,000 $ 99,045 $ 57,000
Hillsdale, Michigan 44 $ 3,214,000 $ 73,045 $ 44,000
Wexford, Michigan 44 $ 2,888,000 $ 65,636 $ 32,000
St. Louis, Minnesota 44 $ 3,332,000 $ 75,727 $ 64,000
Fulton, New York 44 $ 3,432,000 $ 78,000 $ 45,000
Racine, Wisconsin 44 $ 4,293,000 $ 97,568 $ 44,000
Lowndes, Georgia 43 $ 3,059,000 $ 71,139 $ 41,000
Kootenai, Idaho 43 $ 4,399,000 $ 102,302 $ 54,000
DeKalb, Illinois 43 $ 4,219,000 $ 98,116 $ 73,000
Bay, Michigan 43 $ 3,334,000 $ 77,534 $ 45,000
Craven, North Carolina 43 $ 3,695,000 $ 85,930 $ 58,000
Hancock, Ohio 43 $ 3,228,000 $ 75,069 $ 47,000
Blount, Tennessee 43 $ 4,631,000 $ 107,697 $ 51,000
Mississippi, Arkansas 42 $ 2,831,000 $ 67,404 $ 90,000
Hancock, Indiana 42 $ 4,114,000 $ 97,952 $ 39,000
Worcester, Maryland 42 $ 6,433,000 $ 153,166 $ 74,000
Wilson, North Carolina 42 $ 3,094,000 $ 73,666 $ 46,000
Ross, Ohio 42 $ 3,321,000 $ 79,071 $ 41,000
Canadian, Oklahoma 42 $ 3,542,000 $ 84,333 $ 51,000
Jackson, Oregon 42 $ 4,615,000 $ 109,880 $ 52,000
Bradley, Tennessee 42 $ 4,225,000 $ 100,595 $ 70,000
Madison, Tennessee 42 $ 3,062,000 $ 72,904 $ 40,000
Faulkner, Arkansas 41 $ 3,391,000 $ 82,707 $ 55,000
St. Johns, Florida 41 $ 5,321,000 $ 129,780 $ 82,000
Catoosa, Georgia 41 $ 3,639,000 $ 88,756 $ 51,000
Macon, Illinois 41 $ 2,930,000 $ 71,463 $ 44,000
McLean, Illinois 41 $ 3,574,000 $ 87,170 $ 66,000
Starke, Indiana 41 $ 2,758,000 $ 67,268 $ 24,000
Ionia, Michigan 41 $ 3,258,000 $ 79,463 $ 41,000
Otsego, Michigan 41 $ 2,794,000 $ 68,146 $ 58,000
Delaware, New York 41 $ 3,171,000 $ 77,341 $ 41,000
Putnam, New York 41 $ 7,396,000 $ 180,390 $ 66,000
Henderson, North Carolina 41 $ 4,967,000 $ 121,146 $ 58,000
Wayne, North Carolina 41 $ 3,767,000 $ 91,878 $ 47,000
Huron, Ohio 41 $ 2,983,000 $ 72,756 $ 47,000
Williamson, Tennessee 41 $ 5,223,000 $ 127,390 $ 88,000
Boone, Illinois 40 $ 4,717,000 $ 117,925 $ 60,000
Page:

Mortgage Loan Application Detail Totals for American Business Financial in 2004

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 82,975 $9,016,484,000 $102,851 $1,000,000 $56,425 $9,177,000
Home Improvement 10,806 $893,103,000 $88,340 $850,000 $56,931 $3,000,000
Home Purchase 9,164 $1,335,723,000 $122,093 $1,000,000 $59,767 $3,021,000

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
White 42,481 $4,465,493,000 $105,065 $1,000,000 $60,978 $3,350,000
Not Provided 33,573 $3,640,987,000 $103,804 $1,000,000 $60,695 $9,177,000
Black or African American 12,714 $1,342,897,000 $98,025 $816,000 $52,923 $3,000,000
Hispanic 10,178 $1,270,533,000 $97,897 $999,000 $53,230 $4,800,000
Asian 2,134 $343,481,000 $132,194 $998,000 $73,750 $1,200,000
Not applicable 1,104 $96,924,000 $91,777 $470,000 $0 $0
American Indian or Alaskan Native 516 $52,939,000 $106,378 $952,000 $53,189 $733,000
Native Hawaiian or Other Pacific Islander 245 $32,056,000 $114,741 $540,000 $63,741 $576,000

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) 102,945 $11,245,310,000 $101,469 $1,000,000 $58,469 $9,177,000
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 Withdrawn By Applicant 50,183 $5,472,084,000 $102,978 $1,000,000 $60,319 $3,350,000
Application Denied By Financial Institution 34,249 $3,193,340,000 $93,863 $1,000,000 $50,090 $4,800,000
Loan Originated 13,798 $1,961,360,000 $110,288 $890,000 $70,977 $9,177,000
Application Approved But Not Accepted 2,853 $405,714,000 $122,146 $743,000 $74,707 $1,801,000
Loan Purchased By The Institution 1,104 $96,924,000 $91,777 $470,000 $0 $0
File Closed For Incompleteness 758 $115,888,000 $133,555 $1,000,000 $69,305 $1,000,000
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 16,264 $1,394,698,000 $88,930 $1,000,000 $50,674 $4,800,000
Collateral 7,330 $632,830,000 $92,025 $999,000 $58,410 $1,940,000
Debt-To-Income Ratio 6,204 $700,134,000 $109,350 $900,000 $41,675 $960,000
Other 3,219 $331,926,000 $100,923 $850,000 $43,512 $1,886,000
Employment History 574 $54,201,000 $87,184 $800,000 $43,184 $600,000
Unverifiable Information 521 $63,040,000 $102,911 $998,000 $52,617 $1,000,000
Credit Application Incomplete 137 $16,511,000 $103,481 $650,000 $56,703 $339,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Business Financial's 2004 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 Business Financial'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.
For a list of all lenders in Pennsylvania, download the full spreadsheet with aggregated HMDA statistics today.

Download the Pennsylvania Lender List