American Business Financial Mortgage Lending & HMDA Data, 2003

In 2003, American Business Financial of Philadelphia, PA reported 128,009 mortgage applications totaling $10.0 billion. The average application was for $77,810, and applicants reported an average income of $54,192. 9% of its applications resulted in an originated loan and 39% were denied. Its largest markets were Philadelphia, PA-NJ (6,068), Chicago, IL (5,269) and New York, NY (4,326) (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 128,009
Total Mortgage Loan Application Amount $9,960,499,000
Average Mortgage Loan Application Amount $77,810
Highest Mortgage Loan Application Amount $4,000,000
Average Applicant Income $54,192
Highest Applicant Income $9,600,000

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records American Business Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 3,208 $ 265,138,000 $ 82,649 $ 61,000
Philadelphia, Pennsylvania 3,058 $ 149,825,000 $ 48,994 $ 41,000
Wayne, Michigan 1,968 $ 121,503,000 $ 61,739 $ 46,000
Suffolk, New York 1,636 $ 207,128,000 $ 126,606 $ 81,000
Ocean, New Jersey 1,517 $ 124,640,000 $ 82,162 $ 63,000
Queens, New York 1,426 $ 214,295,000 $ 150,276 $ 75,000
Miami-Dade, Florida 1,297 $ 103,717,000 $ 79,966 $ 64,000
Harris, Texas 1,272 $ 88,864,000 $ 69,861 $ 61,000
Broward, Florida 1,247 $ 105,771,000 $ 84,820 $ 69,000
Monmouth, New Jersey 1,209 $ 123,691,000 $ 102,308 $ 68,000
Camden, New Jersey 1,185 $ 68,924,000 $ 58,163 $ 48,000
Hamilton, Ohio 1,171 $ 69,796,000 $ 59,603 $ 54,000
Kings, New York 1,121 $ 166,617,000 $ 148,632 $ 83,000
Nassau, New York 999 $ 143,494,000 $ 143,637 $ 100,000
Delaware, Pennsylvania 957 $ 59,496,000 $ 62,169 $ 52,000
Middlesex, Massachusetts 955 $ 113,214,000 $ 118,548 $ 65,000
Middlesex, New Jersey 948 $ 91,891,000 $ 96,931 $ 74,000
Franklin, Ohio 944 $ 48,439,000 $ 51,312 $ 51,000
Montgomery, Pennsylvania 884 $ 74,474,000 $ 84,246 $ 67,000
Hartford, Connecticut 871 $ 72,113,000 $ 82,793 $ 50,000
Burlington, New Jersey 833 $ 61,260,000 $ 73,541 $ 84,000
Providence, Rhode Island 829 $ 67,944,000 $ 81,958 $ 46,000
Montgomery, Ohio 805 $ 40,445,000 $ 50,242 $ 48,000
Prince George's, Maryland 799 $ 84,219,000 $ 105,405 $ 61,000
Dallas, Texas 771 $ 50,168,000 $ 65,068 $ 50,000
Bucks, Pennsylvania 769 $ 67,333,000 $ 87,559 $ 65,000
Marion, Indiana 765 $ 40,813,000 $ 53,350 $ 40,000
Essex, New Jersey 757 $ 81,976,000 $ 108,290 $ 75,000
Jefferson, Kentucky 756 $ 38,709,000 $ 51,202 $ 41,000
Worcester, Massachusetts 755 $ 77,150,000 $ 102,185 $ 60,000
Maricopa, Arizona 742 $ 64,201,000 $ 86,524 $ 62,000
New Haven, Connecticut 736 $ 62,771,000 $ 85,286 $ 52,000
Allegheny, Pennsylvania 720 $ 38,230,000 $ 53,097 $ 41,000
Palm Beach, Florida 707 $ 60,049,000 $ 84,934 $ 73,000
Suffolk, Massachusetts 700 $ 81,357,000 $ 116,224 $ 73,000
Lucas, Ohio 688 $ 34,844,000 $ 50,645 $ 47,000
Shelby, Tennessee 686 $ 46,490,000 $ 67,769 $ 43,000
Bergen, New Jersey 680 $ 82,974,000 $ 122,020 $ 117,000
Bexar, Texas 666 $ 39,121,000 $ 58,740 $ 44,000
Gloucester, New Jersey 663 $ 42,634,000 $ 64,304 $ 54,000
Oakland, Michigan 658 $ 58,757,000 $ 89,296 $ 65,000
Essex, Massachusetts 630 $ 67,530,000 $ 107,190 $ 64,000
Union, New Jersey 625 $ 66,842,000 $ 106,947 $ 64,000
Orange, Florida 613 $ 42,257,000 $ 68,934 $ 46,000
Hillsborough, Florida 593 $ 38,068,000 $ 64,195 $ 55,000
Atlantic, New Jersey 589 $ 44,417,000 $ 75,410 $ 50,000
Macomb, Michigan 579 $ 45,684,000 $ 78,901 $ 51,000
Cuyahoga, Ohio 571 $ 30,929,000 $ 54,166 $ 54,000
Fairfield, Connecticut 569 $ 70,695,000 $ 124,244 $ 74,000
Kent, Michigan 569 $ 32,765,000 $ 57,583 $ 44,000
Mercer, New Jersey 566 $ 45,545,000 $ 80,468 $ 54,000
New Castle, Delaware 550 $ 39,859,000 $ 72,470 $ 49,000
Pinellas, Florida 537 $ 36,779,000 $ 68,489 $ 50,000
Plymouth, Massachusetts 536 $ 62,834,000 $ 117,227 $ 60,000
Lake, Indiana 526 $ 28,458,000 $ 54,102 $ 43,000
Erie, New York 519 $ 31,462,000 $ 60,620 $ 52,000
Duval, Florida 508 $ 33,406,000 $ 65,759 $ 52,000
Mecklenburg, North Carolina 505 $ 39,143,000 $ 77,510 $ 62,000
Richmond, New York 501 $ 66,222,000 $ 132,179 $ 81,000
Berks, Pennsylvania 492 $ 27,621,000 $ 56,140 $ 46,000
DuPage, Illinois 488 $ 43,990,000 $ 90,143 $ 81,000
Bristol, Massachusetts 469 $ 47,399,000 $ 101,063 $ 57,000
Will, Illinois 457 $ 35,440,000 $ 77,549 $ 54,000
Summit, Ohio 457 $ 28,191,000 $ 61,687 $ 39,000
Genesee, Michigan 454 $ 25,245,000 $ 55,605 $ 44,000
Passaic, New Jersey 452 $ 49,164,000 $ 108,769 $ 67,000
Baltimore City, Maryland 451 $ 26,432,000 $ 58,607 $ 61,000
Butler, Ohio 450 $ 25,601,000 $ 56,891 $ 50,000
Milwaukee, Wisconsin 445 $ 26,196,000 $ 58,867 $ 49,000
Bronx, New York 437 $ 58,877,000 $ 134,729 $ 65,000
Westchester, New York 429 $ 69,461,000 $ 161,913 $ 90,000
Norfolk, Massachusetts 428 $ 54,127,000 $ 126,464 $ 86,000
Baltimore, Maryland 424 $ 37,382,000 $ 88,165 $ 62,000
Tarrant, Texas 424 $ 28,952,000 $ 68,283 $ 42,000
Morris, New Jersey 422 $ 47,275,000 $ 112,026 $ 69,000
Orange, New York 420 $ 44,858,000 $ 106,804 $ 64,000
Lee, Florida 405 $ 28,604,000 $ 70,627 $ 55,000
Chester, Pennsylvania 400 $ 39,902,000 $ 99,755 $ 84,000
Montgomery, Maryland 398 $ 51,919,000 $ 130,449 $ 77,000
Hudson, New Jersey 392 $ 45,773,000 $ 116,767 $ 69,000
Lake, Illinois 390 $ 37,810,000 $ 96,948 $ 61,000
Monroe, New York 367 $ 20,682,000 $ 56,354 $ 53,000
DeKalb, Georgia 363 $ 33,139,000 $ 91,292 $ 56,000
Fairfax, Virginia 358 $ 46,041,000 $ 128,606 $ 71,000
Kane, Illinois 350 $ 27,300,000 $ 78,000 $ 52,000
Prince William, Virginia 328 $ 33,715,000 $ 102,789 $ 73,000
Polk, Florida 321 $ 19,787,000 $ 61,641 $ 50,000
Hampden, Massachusetts 321 $ 24,416,000 $ 76,062 $ 45,000
Northampton, Pennsylvania 319 $ 20,604,000 $ 64,589 $ 56,000
Hennepin, Minnesota 313 $ 34,998,000 $ 111,814 $ 66,000
Lorain, Ohio 313 $ 18,847,000 $ 60,214 $ 38,000
Anne Arundel, Maryland 312 $ 30,719,000 $ 98,458 $ 63,000
Wake, North Carolina 309 $ 25,567,000 $ 82,741 $ 61,000
Onondaga, New York 299 $ 18,030,000 $ 60,301 $ 59,000
Lehigh, Pennsylvania 299 $ 18,577,000 $ 62,130 $ 47,000
Volusia, Florida 288 $ 19,343,000 $ 67,163 $ 48,000
Somerset, New Jersey 286 $ 29,035,000 $ 101,520 $ 75,000
Dutchess, New York 276 $ 33,688,000 $ 122,057 $ 72,000
Monroe, Pennsylvania 273 $ 24,361,000 $ 89,234 $ 62,000
Westmoreland, Pennsylvania 270 $ 15,707,000 $ 58,174 $ 54,000
Schuylkill, Pennsylvania 269 $ 13,712,000 $ 50,973 $ 42,000
Muskegon, Michigan 266 $ 13,944,000 $ 52,421 $ 35,000
Pasco, Florida 263 $ 16,376,000 $ 62,266 $ 60,000
Luzerne, Pennsylvania 255 $ 16,901,000 $ 66,278 $ 41,000
Brevard, Florida 254 $ 15,878,000 $ 62,511 $ 47,000
Kent, Rhode Island 252 $ 22,327,000 $ 88,599 $ 59,000
Lancaster, Pennsylvania 250 $ 15,348,000 $ 61,392 $ 47,000
Guilford, North Carolina 249 $ 17,534,000 $ 70,417 $ 44,000
Davidson, Tennessee 248 $ 18,341,000 $ 73,955 $ 50,000
Ingham, Michigan 247 $ 16,064,000 $ 65,036 $ 43,000
Gwinnett, Georgia 246 $ 24,957,000 $ 101,451 $ 67,000
Collier, Florida 245 $ 23,466,000 $ 95,779 $ 62,000
Virginia Beach, Virginia 245 $ 19,810,000 $ 80,857 $ 69,000
Fulton, Georgia 243 $ 23,251,000 $ 95,683 $ 77,000
McHenry, Illinois 243 $ 21,866,000 $ 89,983 $ 59,000
Ottawa, Michigan 240 $ 15,008,000 $ 62,533 $ 53,000
Sussex, New Jersey 230 $ 20,934,000 $ 91,017 $ 86,000
Travis, Texas 229 $ 20,670,000 $ 90,262 $ 53,000
Rockland, New York 227 $ 31,685,000 $ 139,581 $ 81,000
Warren, Ohio 223 $ 13,440,000 $ 60,269 $ 63,000
Berrien, Michigan 219 $ 12,335,000 $ 56,324 $ 34,000
Cumberland, North Carolina 219 $ 13,746,000 $ 62,767 $ 49,000
St. Clair, Michigan 214 $ 15,377,000 $ 71,855 $ 42,000
Clermont, Ohio 214 $ 12,632,000 $ 59,028 $ 51,000
Cape May, New Jersey 213 $ 19,336,000 $ 90,779 $ 75,000
Seminole, Florida 210 $ 15,784,000 $ 75,161 $ 56,000
Sedgwick, Kansas 207 $ 10,836,000 $ 52,347 $ 45,000
New London, Connecticut 202 $ 18,221,000 $ 90,202 $ 48,000
Vanderburgh, Indiana 201 $ 8,608,000 $ 42,825 $ 35,000
Los Angeles, California 200 $ 25,911,000 $ 129,555 $ 80,000
Forsyth, North Carolina 198 $ 13,620,000 $ 68,787 $ 55,000
York, Pennsylvania 198 $ 13,006,000 $ 65,686 $ 54,000
Richland, South Carolina 198 $ 13,845,000 $ 69,924 $ 61,000
Oneida, New York 195 $ 10,169,000 $ 52,148 $ 56,000
Allen, Indiana 193 $ 10,785,000 $ 55,880 $ 36,000
Knox, Tennessee 192 $ 13,547,000 $ 70,557 $ 51,000
Stark, Ohio 189 $ 11,580,000 $ 61,269 $ 46,000
Kalamazoo, Michigan 188 $ 11,613,000 $ 61,771 $ 46,000
Fort Bend, Texas 187 $ 17,208,000 $ 92,021 $ 59,000
Cumberland, New Jersey 182 $ 11,119,000 $ 61,093 $ 39,000
Ulster, New York 182 $ 15,709,000 $ 86,313 $ 49,000
St. Clair, Illinois 179 $ 8,966,000 $ 50,089 $ 38,000
Greenville, South Carolina 178 $ 12,923,000 $ 72,601 $ 39,000
Sarasota, Florida 177 $ 13,390,000 $ 75,649 $ 64,000
Miami, Ohio 176 $ 10,485,000 $ 59,573 $ 35,000
Polk, Iowa 174 $ 12,086,000 $ 69,459 $ 50,000
Cobb, Georgia 173 $ 16,800,000 $ 97,109 $ 74,000
St. Lucie, Florida 172 $ 12,557,000 $ 73,005 $ 47,000
Greene, Ohio 171 $ 10,241,000 $ 59,888 $ 65,000
Erie, Pennsylvania 171 $ 9,158,000 $ 53,555 $ 45,000
Winnebago, Illinois 170 $ 10,228,000 $ 60,164 $ 48,000
Douglas, Nebraska 170 $ 10,380,000 $ 61,058 $ 37,000
Mahoning, Ohio 168 $ 9,986,000 $ 59,440 $ 193,000
Monroe, Michigan 166 $ 12,547,000 $ 75,584 $ 52,000
Albany, New York 166 $ 10,607,000 $ 63,897 $ 38,000
Porter, Indiana 164 $ 11,409,000 $ 69,567 $ 56,000
Osceola, Florida 163 $ 11,965,000 $ 73,404 $ 48,000
Pima, Arizona 162 $ 13,844,000 $ 85,456 $ 48,000
Charleston, South Carolina 162 $ 12,943,000 $ 79,895 $ 47,000
Litchfield, Connecticut 161 $ 13,689,000 $ 85,024 $ 71,000
Clark, Ohio 160 $ 8,155,000 $ 50,968 $ 39,000
Fayette, Kentucky 158 $ 9,824,000 $ 62,177 $ 49,000
Kenton, Kentucky 157 $ 8,121,000 $ 51,726 $ 48,000
Barnstable, Massachusetts 157 $ 18,328,000 $ 116,738 $ 74,000
Hamilton, Tennessee 154 $ 10,021,000 $ 65,071 $ 37,000
Niagara, New York 153 $ 9,084,000 $ 59,372 $ 47,000
Lycoming, Pennsylvania 153 $ 9,331,000 $ 60,986 $ 39,000
Clayton, Georgia 152 $ 12,684,000 $ 83,447 $ 38,000
St. Joseph, Indiana 152 $ 7,818,000 $ 51,434 $ 40,000
Trumbull, Ohio 152 $ 9,497,000 $ 62,480 $ 43,000
Lake, Ohio 151 $ 9,226,000 $ 61,099 $ 47,000
Calhoun, Michigan 149 $ 8,014,000 $ 53,785 $ 41,000
Saginaw, Michigan 145 $ 7,683,000 $ 52,986 $ 37,000
Medina, Ohio 145 $ 10,036,000 $ 69,213 $ 60,000
Jackson, Michigan 144 $ 11,003,000 $ 76,409 $ 45,000
Allegan, Michigan 142 $ 8,813,000 $ 62,063 $ 48,000
Durham, North Carolina 142 $ 11,462,000 $ 80,718 $ 60,000
Manatee, Florida 141 $ 11,040,000 $ 78,297 $ 56,000
Ramsey, Minnesota 141 $ 12,643,000 $ 89,666 $ 50,000
Gaston, North Carolina 141 $ 9,742,000 $ 69,092 $ 49,000
Marion, Florida 140 $ 7,958,000 $ 56,842 $ 37,000
Livingston, Michigan 139 $ 12,191,000 $ 87,705 $ 54,000
Johnson, Kansas 137 $ 11,016,000 $ 80,408 $ 87,000
Dauphin, Pennsylvania 136 $ 9,134,000 $ 67,161 $ 61,000
Lackawanna, Pennsylvania 135 $ 9,246,000 $ 68,488 $ 44,000
Escambia, Florida 132 $ 7,493,000 $ 56,765 $ 67,000
Washington, Pennsylvania 132 $ 8,973,000 $ 67,977 $ 40,000
Spartanburg, South Carolina 132 $ 8,801,000 $ 66,674 $ 104,000
LaPorte, Indiana 131 $ 7,111,000 $ 54,282 $ 46,000
Rockingham, New Hampshire 131 $ 9,869,000 $ 75,335 $ 69,000
Middlesex, Connecticut 130 $ 12,051,000 $ 92,700 $ 80,000
Lake, Florida 130 $ 8,934,000 $ 68,723 $ 61,000
Hamilton, Indiana 130 $ 10,669,000 $ 82,069 $ 62,000
Harford, Maryland 128 $ 11,120,000 $ 86,875 $ 60,000
Madison, Illinois 126 $ 7,209,000 $ 57,214 $ 38,000
Allen, Ohio 126 $ 6,271,000 $ 49,769 $ 33,000
Davidson, North Carolina 125 $ 8,033,000 $ 64,264 $ 39,000
Horry, South Carolina 124 $ 9,760,000 $ 78,709 $ 65,000
Loudoun, Virginia 124 $ 13,762,000 $ 110,983 $ 70,000
Windham, Connecticut 121 $ 9,454,000 $ 78,132 $ 44,000
Wyandotte, Kansas 121 $ 6,100,000 $ 50,413 $ 35,000
Sussex, Delaware 120 $ 10,138,000 $ 84,483 $ 41,000
Frederick, Maryland 120 $ 11,722,000 $ 97,683 $ 65,000
Chesterfield, Virginia 120 $ 9,021,000 $ 75,175 $ 44,000
Boone, Kentucky 119 $ 7,948,000 $ 66,789 $ 42,000
Saratoga, New York 119 $ 8,950,000 $ 75,210 $ 58,000
Stafford, Virginia 119 $ 11,184,000 $ 93,983 $ 75,000
Van Buren, Michigan 118 $ 6,612,000 $ 56,033 $ 66,000
Campbell, Kentucky 117 $ 6,000,000 $ 51,282 $ 46,000
Beaver, Pennsylvania 117 $ 7,781,000 $ 66,504 $ 43,000
Broome, New York 116 $ 5,674,000 $ 48,913 $ 56,000
Denton, Texas 116 $ 11,560,000 $ 99,655 $ 69,000
Pike, Pennsylvania 115 $ 8,923,000 $ 77,591 $ 51,000
Dakota, Minnesota 114 $ 10,397,000 $ 91,201 $ 65,000
Hunterdon, New Jersey 114 $ 14,230,000 $ 124,824 $ 75,000
Henrico, Virginia 114 $ 9,030,000 $ 79,210 $ 64,000
Warren, New Jersey 113 $ 10,223,000 $ 90,469 $ 55,000
Schenectady, New York 113 $ 8,208,000 $ 72,637 $ 40,000
Buncombe, North Carolina 113 $ 9,131,000 $ 80,805 $ 57,000
Norfolk, Virginia 112 $ 6,363,000 $ 56,812 $ 40,000
Chautauqua, New York 111 $ 6,386,000 $ 57,531 $ 45,000
Vigo, Indiana 110 $ 4,550,000 $ 41,363 $ 31,000
Shiawassee, Michigan 110 $ 6,320,000 $ 57,454 $ 54,000
Cabarrus, North Carolina 110 $ 8,620,000 $ 78,363 $ 54,000
Montgomery, Texas 110 $ 9,271,000 $ 84,281 $ 57,000
Rowan, North Carolina 109 $ 7,313,000 $ 67,091 $ 40,000
Delaware, Ohio 109 $ 8,777,000 $ 80,522 $ 72,000
Chesapeake, Virginia 109 $ 9,395,000 $ 86,192 $ 62,000
San Bernardino, California 108 $ 10,497,000 $ 97,194 $ 60,000
Wood, Ohio 108 $ 6,486,000 $ 60,055 $ 49,000
Fayette, Pennsylvania 108 $ 6,343,000 $ 58,731 $ 41,000
Anoka, Minnesota 107 $ 10,486,000 $ 98,000 $ 54,000
Howard, Maryland 106 $ 10,829,000 $ 102,160 $ 64,000
Sullivan, New York 106 $ 7,986,000 $ 75,339 $ 61,000
Collin, Texas 105 $ 10,196,000 $ 97,104 $ 67,000
Johnson, Indiana 104 $ 5,026,000 $ 48,326 $ 75,000
Williamson, Texas 104 $ 8,534,000 $ 82,057 $ 44,000
Cleveland, North Carolina 103 $ 6,012,000 $ 58,368 $ 41,000
Washtenaw, Michigan 102 $ 8,339,000 $ 81,754 $ 69,000
New York, New York 100 $ 17,668,000 $ 176,680 $ 293,000
Kent, Delaware 99 $ 7,984,000 $ 80,646 $ 49,000
Johnston, North Carolina 99 $ 7,375,000 $ 74,494 $ 36,000
Oklahoma, Oklahoma 99 $ 6,216,000 $ 62,787 $ 47,000
Northumberland, Pennsylvania 99 $ 5,299,000 $ 53,525 $ 45,000
Rensselaer, New York 98 $ 7,003,000 $ 71,459 $ 49,000
Fairfield, Ohio 98 $ 6,925,000 $ 70,663 $ 59,000
Blair, Pennsylvania 98 $ 5,368,000 $ 54,775 $ 40,000
Grand Traverse, Michigan 97 $ 6,652,000 $ 68,577 $ 38,000
Hillsborough, New Hampshire 97 $ 6,613,000 $ 68,175 $ 55,000
Charlotte, Florida 96 $ 7,450,000 $ 77,604 $ 42,000
Catawba, North Carolina 96 $ 6,633,000 $ 69,093 $ 49,000
Richmond City, Virginia 96 $ 6,459,000 $ 67,281 $ 45,000
Charles, Maryland 95 $ 8,994,000 $ 94,673 $ 78,000
Cass, Michigan 95 $ 5,298,000 $ 55,768 $ 49,000
Eaton, Michigan 95 $ 6,641,000 $ 69,905 $ 78,000
Iredell, North Carolina 95 $ 7,997,000 $ 84,178 $ 56,000
Onslow, North Carolina 95 $ 5,825,000 $ 61,315 $ 53,000
Scioto, Ohio 95 $ 4,762,000 $ 50,126 $ 40,000
Bay, Florida 93 $ 5,810,000 $ 62,473 $ 47,000
Hopkins, Kentucky 92 $ 3,979,000 $ 43,250 $ 28,000
Berkeley, South Carolina 92 $ 6,849,000 $ 74,445 $ 42,000
York, South Carolina 92 $ 6,124,000 $ 66,565 $ 49,000
Rutherford, Tennessee 92 $ 6,562,000 $ 71,326 $ 43,000
Clay, Florida 91 $ 5,724,000 $ 62,901 $ 49,000
Hernando, Florida 91 $ 6,100,000 $ 67,032 $ 53,000
Chatham, Georgia 91 $ 5,677,000 $ 62,384 $ 65,000
Elkhart, Indiana 91 $ 5,290,000 $ 58,131 $ 48,000
Clinton, Michigan 91 $ 6,020,000 $ 66,153 $ 74,000
New Hanover, North Carolina 91 $ 6,750,000 $ 74,175 $ 59,000
Spotsylvania, Virginia 91 $ 7,821,000 $ 85,945 $ 72,000
Richmond, Georgia 89 $ 5,095,000 $ 57,247 $ 48,000
Peoria, Illinois 89 $ 4,772,000 $ 53,617 $ 39,000
Alamance, North Carolina 89 $ 6,202,000 $ 69,685 $ 47,000
Licking, Ohio 89 $ 5,527,000 $ 62,101 $ 56,000
Carbon, Pennsylvania 87 $ 5,193,000 $ 59,689 $ 40,000
Alachua, Florida 86 $ 4,891,000 $ 56,872 $ 57,000
Hendricks, Indiana 86 $ 6,265,000 $ 72,848 $ 65,000
Mercer, Pennsylvania 86 $ 5,822,000 $ 67,697 $ 39,000
Oswego, New York 85 $ 5,102,000 $ 60,023 $ 44,000
Putnam, New York 85 $ 11,667,000 $ 137,258 $ 76,000
Washington, Rhode Island 85 $ 8,325,000 $ 97,941 $ 53,000
Lexington, South Carolina 85 $ 6,506,000 $ 76,541 $ 52,000
Robeson, North Carolina 84 $ 5,069,000 $ 60,345 $ 46,000
Henry, Georgia 83 $ 7,547,000 $ 90,927 $ 68,000
Columbiana, Ohio 83 $ 5,001,000 $ 60,253 $ 80,000
Newport News, Virginia 83 $ 5,079,000 $ 61,192 $ 53,000
Wayne, New York 82 $ 5,362,000 $ 65,390 $ 41,000
Hancock, Ohio 82 $ 4,380,000 $ 53,414 $ 38,000
Riverside, California 81 $ 10,477,000 $ 129,345 $ 66,000
Citrus, Florida 81 $ 4,820,000 $ 59,506 $ 47,000
Leon, Florida 81 $ 5,575,000 $ 68,827 $ 41,000
Muscogee, Georgia 81 $ 5,246,000 $ 64,765 $ 37,000
St. Louis, Minnesota 81 $ 5,067,000 $ 62,555 $ 39,000
Highland, Ohio 81 $ 4,079,000 $ 50,358 $ 34,000
Union, North Carolina 80 $ 5,825,000 $ 72,812 $ 67,000
Tulsa, Oklahoma 80 $ 5,797,000 $ 72,462 $ 41,000
Butler, Pennsylvania 80 $ 5,475,000 $ 68,437 $ 57,000
Washington, Maryland 79 $ 6,786,000 $ 85,898 $ 57,000
Montcalm, Michigan 79 $ 4,914,000 $ 62,202 $ 36,000
Ashtabula, Ohio 79 $ 5,445,000 $ 68,924 $ 39,000
Cambria, Pennsylvania 78 $ 3,780,000 $ 48,461 $ 36,000
Anderson, South Carolina 78 $ 5,178,000 $ 66,384 $ 40,000
Sullivan, Tennessee 78 $ 5,484,000 $ 70,307 $ 55,000
Wicomico, Maryland 77 $ 5,355,000 $ 69,545 $ 49,000
Hillsdale, Michigan 77 $ 4,237,000 $ 55,025 $ 32,000
Herkimer, New York 77 $ 4,276,000 $ 55,532 $ 45,000
Randolph, North Carolina 77 $ 5,059,000 $ 65,701 $ 38,000
Aiken, South Carolina 77 $ 4,428,000 $ 57,506 $ 39,000
Sangamon, Illinois 76 $ 4,975,000 $ 65,460 $ 58,000
Tolland, Connecticut 75 $ 7,025,000 $ 93,666 $ 63,000
Cattaraugus, New York 75 $ 4,181,000 $ 55,746 $ 55,000
Shelby, Ohio 75 $ 4,236,000 $ 56,480 $ 38,000
Kenosha, Wisconsin 75 $ 5,711,000 $ 76,146 $ 48,000
Lancaster, Nebraska 74 $ 5,319,000 $ 71,878 $ 54,000
Steuben, New York 74 $ 5,021,000 $ 67,851 $ 49,000
Pitt, North Carolina 74 $ 4,547,000 $ 61,445 $ 36,000
Racine, Wisconsin 74 $ 4,103,000 $ 55,445 $ 48,000
Pulaski, Arkansas 73 $ 4,570,000 $ 62,602 $ 50,000
Cherokee, Georgia 73 $ 7,754,000 $ 106,219 $ 61,000
Madison, Indiana 73 $ 3,966,000 $ 54,328 $ 44,000
Portage, Ohio 73 $ 6,566,000 $ 89,945 $ 62,000
Richland, Ohio 73 $ 4,345,000 $ 59,520 $ 37,000
Seneca, Ohio 73 $ 3,255,000 $ 44,589 $ 36,000
LaSalle, Illinois 72 $ 5,051,000 $ 70,152 $ 45,000
Clark, Indiana 72 $ 4,114,000 $ 57,138 $ 44,000
Cecil, Maryland 71 $ 6,058,000 $ 85,323 $ 60,000
Lenawee, Michigan 71 $ 4,506,000 $ 63,464 $ 48,000
Okaloosa, Florida 70 $ 4,376,000 $ 62,514 $ 135,000
Newaygo, Michigan 70 $ 4,616,000 $ 65,942 $ 37,000
Chemung, New York 70 $ 3,475,000 $ 49,642 $ 35,000
Preble, Ohio 70 $ 3,949,000 $ 56,414 $ 39,000
Lebanon, Pennsylvania 70 $ 5,279,000 $ 75,414 $ 55,000
Morgan, Indiana 69 $ 3,973,000 $ 57,579 $ 39,000
Jefferson, Ohio 69 $ 3,407,000 $ 49,376 $ 37,000
Hampton, Virginia 69 $ 5,024,000 $ 72,811 $ 44,000
Highlands, Florida 68 $ 2,956,000 $ 43,470 $ 33,000
Santa Rosa, Florida 68 $ 4,040,000 $ 59,411 $ 55,000
Macon, Illinois 68 $ 3,515,000 $ 51,691 $ 134,000
Burke, North Carolina 68 $ 4,178,000 $ 61,441 $ 38,000
Paulding, Georgia 67 $ 5,337,000 $ 79,656 $ 52,000
Tazewell, Illinois 67 $ 3,602,000 $ 53,761 $ 36,000
Dearborn, Indiana 67 $ 4,940,000 $ 73,731 $ 43,000
Black Hawk, Iowa 67 $ 4,214,000 $ 62,895 $ 38,000
Ontario, New York 67 $ 4,614,000 $ 68,865 $ 50,000
St. Lawrence, New York 67 $ 3,726,000 $ 55,611 $ 46,000
Montgomery, Tennessee 67 $ 4,397,000 $ 65,626 $ 48,000
Kendall, Illinois 66 $ 5,573,000 $ 84,439 $ 64,000
Woodbury, Iowa 66 $ 3,310,000 $ 50,151 $ 40,000
Crawford, Pennsylvania 66 $ 4,172,000 $ 63,212 $ 41,000
Lawrence, Pennsylvania 66 $ 3,086,000 $ 46,757 $ 35,000
Orangeburg, South Carolina 66 $ 3,961,000 $ 60,015 $ 43,000
Scott, Iowa 64 $ 3,352,000 $ 52,375 $ 48,000
Nash, North Carolina 64 $ 4,005,000 $ 62,578 $ 36,000
Beaufort, South Carolina 64 $ 7,980,000 $ 124,687 $ 69,000
Florence, South Carolina 64 $ 3,878,000 $ 60,593 $ 53,000
Carroll, Maryland 63 $ 6,238,000 $ 99,015 $ 66,000
Roanoke City, Virginia 63 $ 3,964,000 $ 62,920 $ 37,000
Arapahoe, Colorado 62 $ 7,314,000 $ 117,967 $ 69,000
Bullitt, Kentucky 62 $ 4,256,000 $ 68,645 $ 42,000
Cayuga, New York 62 $ 3,395,000 $ 54,758 $ 46,000
Clinton, New York 62 $ 4,233,000 $ 68,274 $ 56,000
Henderson, North Carolina 62 $ 4,450,000 $ 71,774 $ 46,000
Tippecanoe, Indiana 61 $ 4,068,000 $ 66,688 $ 50,000
Fulton, New York 61 $ 3,136,000 $ 51,409 $ 73,000
Halifax, North Carolina 61 $ 3,505,000 $ 57,459 $ 44,000
Oldham, Kentucky 60 $ 3,974,000 $ 66,233 $ 61,000
Barry, Michigan 60 $ 4,267,000 $ 71,116 $ 53,000
Delaware, New York 60 $ 4,358,000 $ 72,633 $ 57,000
Belmont, Ohio 60 $ 2,796,000 $ 46,600 $ 36,000
Brown, Ohio 60 $ 3,447,000 $ 57,450 $ 52,000
Clearfield, Pennsylvania 60 $ 3,040,000 $ 50,666 $ 44,000
Warrick, Indiana 59 $ 3,715,000 $ 62,966 $ 48,000
Pottawattamie, Iowa 59 $ 4,209,000 $ 71,338 $ 41,000
Hampshire, Massachusetts 59 $ 5,188,000 $ 87,932 $ 59,000
Washington, Minnesota 59 $ 6,516,000 $ 110,440 $ 56,000
Salem, New Jersey 59 $ 4,423,000 $ 74,966 $ 65,000
Warren, New York 59 $ 4,309,000 $ 73,033 $ 65,000
Craven, North Carolina 59 $ 3,516,000 $ 59,593 $ 42,000
Marion, Ohio 59 $ 3,084,000 $ 52,271 $ 37,000
Washington, Tennessee 59 $ 4,218,000 $ 71,491 $ 47,000
Suffolk, Virginia 59 $ 4,836,000 $ 81,966 $ 51,000
Champaign, Illinois 58 $ 4,300,000 $ 74,137 $ 35,000
Delaware, Indiana 58 $ 3,241,000 $ 55,879 $ 52,000
Lapeer, Michigan 58 $ 4,498,000 $ 77,551 $ 67,000
Erie, Ohio 58 $ 3,589,000 $ 61,879 $ 51,000
Centre, Pennsylvania 58 $ 4,151,000 $ 71,568 $ 54,000
Sumter, South Carolina 58 $ 3,562,000 $ 61,413 $ 44,000
Madison, Tennessee 58 $ 3,437,000 $ 59,258 $ 56,000
Calvert, Maryland 57 $ 4,542,000 $ 79,684 $ 59,000
St. Joseph, Michigan 57 $ 3,472,000 $ 60,912 $ 40,000
Rockingham, North Carolina 57 $ 3,927,000 $ 68,894 $ 33,000
Franklin, Pennsylvania 57 $ 3,737,000 $ 65,561 $ 47,000
Rock, Wisconsin 57 $ 3,782,000 $ 66,350 $ 53,000
Indian River, Florida 56 $ 4,134,000 $ 73,821 $ 55,000
McLean, Illinois 56 $ 3,113,000 $ 55,589 $ 43,000
Boyd, Kentucky 56 $ 2,678,000 $ 47,821 $ 32,000
Mecosta, Michigan 56 $ 3,081,000 $ 55,017 $ 50,000
Wexford, Michigan 56 $ 3,133,000 $ 55,946 $ 33,000
Otsego, New York 56 $ 3,863,000 $ 68,982 $ 44,000
Wayne, North Carolina 56 $ 3,690,000 $ 65,892 $ 48,000
Ross, Ohio 56 $ 3,175,000 $ 56,696 $ 37,000
Clinton, Pennsylvania 56 $ 2,298,000 $ 41,035 $ 31,000
Cumberland, Pennsylvania 56 $ 4,049,000 $ 72,303 $ 37,000
Newton, Georgia 55 $ 4,324,000 $ 78,618 $ 46,000
Greene, New York 55 $ 4,615,000 $ 83,909 $ 113,000
Lee, North Carolina 55 $ 3,674,000 $ 66,800 $ 32,000
Champaign, Ohio 55 $ 3,824,000 $ 69,527 $ 45,000
Sandusky, Ohio 55 $ 3,117,000 $ 56,672 $ 76,000
Dorchester, South Carolina 55 $ 4,069,000 $ 73,981 $ 46,000
Ellis, Texas 55 $ 3,805,000 $ 69,181 $ 54,000
Waukesha, Wisconsin 55 $ 5,627,000 $ 102,309 $ 109,000
Flagler, Florida 54 $ 3,540,000 $ 65,555 $ 40,000
Williamson, Illinois 54 $ 2,544,000 $ 47,111 $ 36,000
Allegany, Maryland 54 $ 3,021,000 $ 55,944 $ 32,000
Emmet, Michigan 54 $ 3,692,000 $ 68,370 $ 53,000
Washington, New York 54 $ 3,473,000 $ 64,314 $ 41,000
Darke, Ohio 54 $ 2,762,000 $ 51,148 $ 45,000
Adams, Pennsylvania 54 $ 4,169,000 $ 77,203 $ 43,000
Pinal, Arizona 53 $ 3,720,000 $ 70,188 $ 45,000
Shawnee, Kansas 53 $ 3,351,000 $ 63,226 $ 56,000
Henderson, Kentucky 53 $ 2,102,000 $ 39,660 $ 45,000
Caldwell, North Carolina 53 $ 3,340,000 $ 63,018 $ 35,000
Clinton, Ohio 53 $ 2,610,000 $ 49,245 $ 61,000
Dane, Wisconsin 53 $ 4,535,000 $ 85,566 $ 41,000
Bartholomew, Indiana 52 $ 3,469,000 $ 66,711 $ 54,000
Mason, Michigan 52 $ 2,951,000 $ 56,750 $ 32,000
Carteret, North Carolina 52 $ 3,874,000 $ 74,500 $ 47,000
Wayne, Pennsylvania 52 $ 4,356,000 $ 83,769 $ 59,000
Bristol, Rhode Island 52 $ 5,475,000 $ 105,288 $ 119,000
Martin, Florida 51 $ 4,703,000 $ 92,215 $ 46,000
DeKalb, Illinois 51 $ 3,748,000 $ 73,490 $ 68,000
Daviess, Kentucky 51 $ 2,946,000 $ 57,764 $ 26,000
Bay, Michigan 51 $ 2,913,000 $ 57,117 $ 41,000
Ionia, Michigan 51 $ 3,231,000 $ 63,352 $ 40,000
Jefferson, New York 51 $ 2,708,000 $ 53,098 $ 50,000
Lenoir, North Carolina 51 $ 2,970,000 $ 58,235 $ 31,000
Adams, Colorado 50 $ 5,546,000 $ 110,920 $ 52,000
St. Johns, Florida 50 $ 4,081,000 $ 81,620 $ 83,000
Kankakee, Illinois 50 $ 3,570,000 $ 71,400 $ 53,000
Harnett, North Carolina 50 $ 3,402,000 $ 68,040 $ 47,000
Muskingum, Ohio 50 $ 3,442,000 $ 68,840 $ 35,000
Tuscarawas, Ohio 50 $ 3,309,000 $ 66,180 $ 70,000
Williamson, Tennessee 50 $ 7,581,000 $ 151,620 $ 142,000
Frederick, Virginia 50 $ 3,703,000 $ 74,060 $ 101,000
Denver, Colorado 49 $ 5,557,000 $ 113,408 $ 50,000
Vermilion, Illinois 49 $ 2,649,000 $ 54,061 $ 32,000
Hancock, Indiana 49 $ 2,931,000 $ 59,816 $ 46,000
Berkshire, Massachusetts 49 $ 3,815,000 $ 77,857 $ 61,000
Geauga, Ohio 49 $ 3,738,000 $ 76,285 $ 76,000
Logan, Ohio 49 $ 2,956,000 $ 60,326 $ 60,000
Sacramento, California 48 $ 5,887,000 $ 122,645 $ 57,000
El Paso, Colorado 48 $ 4,804,000 $ 100,083 $ 64,000
Sherburne, Minnesota 48 $ 4,948,000 $ 103,083 $ 69,000
Darlington, South Carolina 48 $ 2,411,000 $ 50,229 $ 66,000
Brown, Wisconsin 48 $ 3,405,000 $ 70,937 $ 61,000
Bartow, Georgia 47 $ 4,713,000 $ 100,276 $ 65,000
Rock Island, Illinois 47 $ 2,432,000 $ 51,744 $ 35,000
Scott, Minnesota 47 $ 4,729,000 $ 100,617 $ 87,000
Wright, Minnesota 47 $ 4,577,000 $ 97,382 $ 51,000
Georgetown, South Carolina 47 $ 3,638,000 $ 77,404 $ 43,000
Bibb, Georgia 46 $ 2,654,000 $ 57,695 $ 29,000
Carroll, Georgia 46 $ 3,605,000 $ 78,369 $ 75,000
Greenup, Kentucky 46 $ 2,147,000 $ 46,673 $ 34,000
Hardin, Kentucky 46 $ 3,444,000 $ 74,869 $ 35,000
Clare, Michigan 46 $ 2,652,000 $ 57,652 $ 34,000
Bernalillo, New Mexico 46 $ 4,449,000 $ 96,717 $ 40,000
Brunswick, North Carolina 46 $ 3,633,000 $ 78,978 $ 52,000
Newport, Rhode Island 46 $ 4,143,000 $ 90,065 $ 74,000
Blount, Tennessee 46 $ 3,615,000 $ 78,586 $ 44,000
Shelby, Indiana 45 $ 2,688,000 $ 59,733 $ 36,000
Starke, Indiana 45 $ 1,804,000 $ 40,088 $ 29,000
Sarpy, Nebraska 45 $ 2,743,000 $ 60,955 $ 42,000
Franklin, North Carolina 45 $ 3,397,000 $ 75,488 $ 58,000
Pasquotank, North Carolina 45 $ 2,415,000 $ 53,666 $ 45,000
Richmond, North Carolina 45 $ 2,149,000 $ 47,755 $ 40,000
Wilson, North Carolina 45 $ 2,621,000 $ 58,244 $ 44,000
Auglaize, Ohio 45 $ 2,228,000 $ 49,511 $ 72,000
Portsmouth, Virginia 45 $ 3,406,000 $ 75,688 $ 67,000
Posey, Indiana 44 $ 2,654,000 $ 60,318 $ 43,000
Charlevoix, Michigan 44 $ 2,493,000 $ 56,659 $ 35,000
Columbia, New York 44 $ 3,456,000 $ 78,545 $ 55,000
Madison, New York 44 $ 2,252,000 $ 51,181 $ 51,000
Edgecombe, North Carolina 44 $ 2,863,000 $ 65,068 $ 43,000
Lincoln, North Carolina 44 $ 3,049,000 $ 69,295 $ 56,000
Sampson, North Carolina 44 $ 2,583,000 $ 58,704 $ 39,000
Cherokee, South Carolina 44 $ 2,357,000 $ 53,568 $ 29,000
Gibson, Tennessee 44 $ 2,313,000 $ 52,568 $ 35,000
Sumner, Tennessee 44 $ 3,992,000 $ 90,727 $ 49,000
Jefferson, Illinois 43 $ 2,189,000 $ 50,906 $ 32,000
Whiteside, Illinois 43 $ 2,199,000 $ 51,139 $ 41,000
Knox, Indiana 43 $ 1,582,000 $ 36,790 $ 36,000
Clinton, Iowa 43 $ 2,189,000 $ 50,906 $ 28,000
Linn, Iowa 43 $ 2,989,000 $ 69,511 $ 36,000
Oceana, Michigan 43 $ 2,009,000 $ 46,720 $ 89,000
Tuscola, Michigan 43 $ 2,875,000 $ 66,860 $ 55,000
Hoke, North Carolina 43 $ 2,512,000 $ 58,418 $ 41,000
Rutherford, North Carolina 43 $ 2,619,000 $ 60,906 $ 53,000
Adams, Ohio 43 $ 2,180,000 $ 50,697 $ 35,000
Wayne, Ohio 43 $ 2,948,000 $ 68,558 $ 34,000
Sevier, Tennessee 43 $ 3,569,000 $ 83,000 $ 52,000
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Mortgage Loan Application Detail Totals for American Business Financial in 2003

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 (home purchase or home improvement, one-to-four family) 111,562 $8,850,427,000 $78,510 $4,000,000 $59,617 $4,815,000
Home Improvement (one-to-four family) 15,308 $997,835,000 $69,564 $970,000 $59,051 $9,600,000
Home Purchase (one-to-four family) 1,139 $112,237,000 $87,529 $695,000 $51,500 $1,800,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 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 54,886 $4,382,127,000 $80,133 $4,000,000 $59,111 $8,290,000
Information not provided by applicant in mail or telephone application 36,141 $2,609,561,000 $74,261 $1,300,000 $68,952 $9,600,000
Black 19,672 $1,446,860,000 $71,650 $910,000 $46,575 $3,600,000
Hispanic 8,429 $703,177,000 $76,470 $850,000 $47,323 $3,600,000
Other 4,238 $407,240,000 $88,675 $1,010,000 $60,783 $1,500,000
Asian or Pacific Islander 2,203 $235,562,000 $97,312 $800,000 $64,718 $1,408,000
Not applicable 1,905 $134,480,000 $67,882 $450,000 $0 $0
American Indian or Alaskan Native 535 $41,492,000 $71,794 $408,000 $40,735 $916,000

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) 128,009 $9,960,499,000 $77,145 $4,000,000 $59,875 $9,600,000
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 62,488 $5,115,060,000 $74,022 $1,500,000 $59,088 $9,600,000
Application Denied By Financial Institution 49,847 $3,401,196,000 $77,674 $4,000,000 $54,720 $4,815,000
Loan Originated 10,923 $1,039,538,000 $86,351 $680,000 $60,513 $1,408,000
Loan Purchased By The Institution 1,933 $139,223,000 $78,450 $450,000 $13,100 $730,000
Application Approved But Not Accepted 1,559 $133,698,000 $86,411 $920,000 $75,558 $1,200,000
File Closed For Incompleteness 1,259 $131,784,000 $96,800 $805,000 $55,342 $720,000

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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into American Business Financial's 2003 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.
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