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records American Business Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, PA-NJ | 6,068 | $ 391,030,000 | $ 64,441 | $ 58,000 |
| Chicago, IL | 5,269 | $ 441,878,000 | $ 83,863 | $ 62,000 |
| New York, NY | 4,326 | $ 636,492,000 | $ 147,131 | $ 92,000 |
| Detroit, MI | 3,643 | $ 258,366,000 | $ 70,921 | $ 52,000 |
| Monmouth-Ocean, NJ | 2,726 | $ 248,331,000 | $ 91,097 | $ 65,000 |
| Nassau-Suffolk, NY | 2,635 | $ 350,622,000 | $ 133,063 | $ 90,000 |
| Boston, MA-NH | 2,578 | $ 307,538,000 | $ 119,293 | $ 74,000 |
| Newark, NJ | 2,147 | $ 227,250,000 | $ 105,845 | $ 70,000 |
| Atlanta, GA | 1,822 | $ 168,740,000 | $ 92,612 | $ 62,000 |
| Cincinnati, OH-KY-IN | 1,668 | $ 99,315,000 | $ 59,541 | $ 55,000 |
| Houston, TX | 1,610 | $ 118,363,000 | $ 73,517 | $ 58,000 |
| Baltimore, MD | 1,507 | $ 124,591,000 | $ 82,674 | $ 63,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,484 | $ 97,323,000 | $ 65,581 | $ 55,000 |
| Pittsburgh, PA | 1,427 | $ 82,509,000 | $ 57,819 | $ 46,000 |
| Middlesex-Somerset-Hunterdon, NJ | 1,348 | $ 135,156,000 | $ 100,264 | $ 75,000 |
| Indianapolis, IN | 1,338 | $ 77,163,000 | $ 57,670 | $ 53,000 |
| Dayton-Springfield, OH | 1,312 | $ 69,326,000 | $ 52,839 | $ 47,000 |
| Cleveland-Lorain-Elyria, OH | 1,308 | $ 78,221,000 | $ 59,801 | $ 49,000 |
| Miami, FL | 1,297 | $ 103,717,000 | $ 79,966 | $ 64,000 |
| Columbus, OH | 1,294 | $ 73,045,000 | $ 56,448 | $ 57,000 |
| Fort Lauderdale, FL | 1,247 | $ 105,771,000 | $ 84,820 | $ 69,000 |
| Grand Rapids-Muskegon-Holland, MI | 1,217 | $ 70,530,000 | $ 57,953 | $ 44,000 |
| Providence-Fall River-Warwick, RI-MA | 1,205 | $ 102,877,000 | $ 85,375 | $ 60,000 |
| Dallas, TX | 1,155 | $ 83,768,000 | $ 72,526 | $ 57,000 |
| Bergen-Passaic, NJ | 1,132 | $ 132,138,000 | $ 116,729 | $ 93,000 |
| Hartford, CT | 1,117 | $ 93,118,000 | $ 83,364 | $ 55,000 |
| Orlando, FL | 1,116 | $ 78,940,000 | $ 70,734 | $ 51,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 989 | $ 73,692,000 | $ 74,511 | $ 56,000 |
| Minneapolis-St. Paul, MN-WI | 931 | $ 95,084,000 | $ 102,131 | $ 60,000 |
| Louisville, KY-IN | 878 | $ 46,939,000 | $ 53,461 | $ 44,000 |
| Toledo, OH | 826 | $ 42,930,000 | $ 51,973 | $ 46,000 |
| Greensboro--Winston-Salem--High Point, NC | 810 | $ 56,141,000 | $ 69,309 | $ 49,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 810 | $ 60,763,000 | $ 75,016 | $ 54,000 |
| Atlantic-Cape May, NJ | 802 | $ 63,753,000 | $ 79,492 | $ 60,000 |
| Phoenix-Mesa, AZ | 795 | $ 67,921,000 | $ 85,435 | $ 58,000 |
| San Antonio, TX | 743 | $ 44,223,000 | $ 59,519 | $ 41,000 |
| Memphis, TN-AR-MS | 740 | $ 50,988,000 | $ 68,902 | $ 44,000 |
| West Palm Beach-Boca Raton, FL | 707 | $ 60,049,000 | $ 84,934 | $ 73,000 |
| Allentown-Bethlehem-Easton, PA | 705 | $ 44,374,000 | $ 62,941 | $ 49,000 |
| Gary, IN | 690 | $ 39,867,000 | $ 57,778 | $ 47,000 |
| Jacksonville, FL | 684 | $ 46,430,000 | $ 67,880 | $ 62,000 |
| Buffalo-Niagara Falls, NY | 672 | $ 40,546,000 | $ 60,336 | $ 50,000 |
| Raleigh-Durham-Chapel Hill, NC | 659 | $ 52,514,000 | $ 79,687 | $ 52,000 |
| Rochester, NY | 624 | $ 37,465,000 | $ 60,040 | $ 45,000 |
| Albany-Schenectady-Troy, NY | 572 | $ 40,128,000 | $ 70,153 | $ 44,000 |
| Trenton, NJ | 566 | $ 45,545,000 | $ 80,468 | $ 54,000 |
| Wilmington-Newark, DE-MD | 550 | $ 39,859,000 | $ 72,470 | $ 49,000 |
| Milwaukee-Waukesha, WI | 537 | $ 35,208,000 | $ 65,564 | $ 74,000 |
| Nashville, TN | 531 | $ 43,746,000 | $ 82,384 | $ 62,000 |
| Akron, OH | 530 | $ 34,757,000 | $ 65,579 | $ 47,000 |
| Worcester, MA-CT | 521 | $ 52,018,000 | $ 99,842 | $ 57,000 |
| Fort Worth-Arlington, TX | 508 | $ 35,276,000 | $ 69,440 | $ 42,000 |
| Reading, PA | 492 | $ 27,621,000 | $ 56,140 | $ 46,000 |
| Syracuse, NY | 490 | $ 28,779,000 | $ 58,732 | $ 53,000 |
| New Haven-Meriden, CT | 472 | $ 40,827,000 | $ 86,497 | $ 59,000 |
| Richmond-Petersburg, VA | 469 | $ 35,449,000 | $ 75,584 | $ 50,000 |
| Greenville-Spartanburg-Anderson, SC | 466 | $ 31,497,000 | $ 67,590 | $ 52,000 |
| Kalamazoo-Battle Creek, MI | 455 | $ 26,239,000 | $ 57,668 | $ 50,000 |
| Flint, MI | 454 | $ 25,245,000 | $ 55,605 | $ 44,000 |
| Hamilton-Middletown, OH | 450 | $ 25,601,000 | $ 56,891 | $ 50,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 440 | $ 29,606,000 | $ 67,286 | $ 42,000 |
| Lansing-East Lansing, MI | 433 | $ 28,725,000 | $ 66,339 | $ 60,000 |
| Newburgh, NY-PA | 420 | $ 44,858,000 | $ 106,804 | $ 64,000 |
| Austin-San Marcos, TX | 408 | $ 34,763,000 | $ 85,203 | $ 46,000 |
| Fort Myers-Cape Coral, FL | 405 | $ 28,604,000 | $ 70,627 | $ 55,000 |
| Youngstown-Warren, OH | 403 | $ 24,484,000 | $ 60,754 | $ 113,000 |
| Jersey City, NJ | 392 | $ 45,773,000 | $ 116,767 | $ 69,000 |
| Bridgeport, CT | 384 | $ 38,487,000 | $ 100,226 | $ 56,000 |
| Springfield, MA | 372 | $ 28,969,000 | $ 77,873 | $ 49,000 |
| Knoxville, TN | 343 | $ 24,650,000 | $ 71,865 | $ 50,000 |
| Daytona Beach, FL | 342 | $ 22,883,000 | $ 66,909 | $ 46,000 |
| Lakeland-Winter Haven, FL | 321 | $ 19,787,000 | $ 61,641 | $ 50,000 |
| Lexington, KY | 318 | $ 20,238,000 | $ 63,641 | $ 44,000 |
| Sarasota-Bradenton, FL | 318 | $ 24,430,000 | $ 76,823 | $ 61,000 |
| Ann Arbor, MI | 312 | $ 25,036,000 | $ 80,243 | $ 57,000 |
| Charleston-North Charleston, SC | 309 | $ 23,861,000 | $ 77,220 | $ 45,000 |
| Brockton, MA | 308 | $ 36,659,000 | $ 119,022 | $ 59,000 |
| Lowell, MA-NH | 306 | $ 31,130,000 | $ 101,732 | $ 56,000 |
| Evansville-Henderson, IN-KY | 304 | $ 14,977,000 | $ 49,266 | $ 40,000 |
| Harrisburg-Lebanon-Carlisle, PA | 290 | $ 20,002,000 | $ 68,972 | $ 49,000 |
| Columbia, SC | 283 | $ 20,351,000 | $ 71,911 | $ 57,000 |
| Dutchess County, NY | 276 | $ 33,688,000 | $ 122,057 | $ 72,000 |
| Fort Wayne, IN | 275 | $ 15,967,000 | $ 58,061 | $ 40,000 |
| Utica-Rome, NY | 272 | $ 14,445,000 | $ 53,106 | $ 52,000 |
| Lawrence, MA-NH | 254 | $ 27,285,000 | $ 107,421 | $ 56,000 |
| Melbourne-Titusville-Palm Bay, FL | 254 | $ 15,878,000 | $ 62,511 | $ 47,000 |
| Lancaster, PA | 250 | $ 15,348,000 | $ 61,392 | $ 47,000 |
| Naples, FL | 245 | $ 23,466,000 | $ 95,779 | $ 62,000 |
| Rockford, IL | 245 | $ 16,251,000 | $ 66,330 | $ 45,000 |
| Omaha, NE-IA | 234 | $ 14,220,000 | $ 60,769 | $ 38,000 |
| Hickory-Morganton-Lenoir, NC | 233 | $ 15,154,000 | $ 65,038 | $ 40,000 |
| Waterbury, CT | 232 | $ 19,391,000 | $ 83,581 | $ 53,000 |
| Wichita, KS | 227 | $ 11,804,000 | $ 52,000 | $ 42,000 |
| Saginaw-Bay City-Midland, MI | 226 | $ 12,593,000 | $ 55,721 | $ 38,000 |
| Fort Pierce-Port St. Lucie, FL | 223 | $ 17,260,000 | $ 77,399 | $ 46,000 |
| Benton Harbor, MI | 219 | $ 12,335,000 | $ 56,324 | $ 34,000 |
| Des Moines, IA | 219 | $ 15,163,000 | $ 69,237 | $ 48,000 |
| Fayetteville, NC | 219 | $ 13,746,000 | $ 62,767 | $ 49,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 218 | $ 15,360,000 | $ 70,458 | $ 43,000 |
| Denver, CO | 214 | $ 24,384,000 | $ 113,943 | $ 63,000 |
| New London-Norwich, CT-RI | 212 | $ 19,428,000 | $ 91,641 | $ 47,000 |
| Canton-Massillon, OH | 206 | $ 12,609,000 | $ 61,208 | $ 46,000 |
| Los Angeles-Long Beach, CA | 200 | $ 25,911,000 | $ 129,555 | $ 80,000 |
| Pensacola, FL | 200 | $ 11,533,000 | $ 57,665 | $ 62,000 |
| York, PA | 198 | $ 13,006,000 | $ 65,686 | $ 54,000 |
| Riverside-San Bernardino, CA | 189 | $ 20,974,000 | $ 110,973 | $ 63,000 |
| Vineland-Millville-Bridgeton, NJ | 182 | $ 11,119,000 | $ 61,093 | $ 39,000 |
| Chattanooga, TN-GA | 177 | $ 11,667,000 | $ 65,915 | $ 37,000 |
| Erie, PA | 171 | $ 9,158,000 | $ 53,555 | $ 45,000 |
| Lima, OH | 171 | $ 8,499,000 | $ 49,701 | $ 47,000 |
| Peoria-Pekin, IL | 164 | $ 8,773,000 | $ 53,493 | $ 39,000 |
| Terre Haute, IN | 164 | $ 6,632,000 | $ 40,439 | $ 30,000 |
| New Bedford, MA | 163 | $ 14,896,000 | $ 91,386 | $ 47,000 |
| Tucson, AZ | 162 | $ 13,844,000 | $ 85,456 | $ 48,000 |
| Stamford-Norwalk, CT | 156 | $ 25,440,000 | $ 163,076 | $ 91,000 |
| Williamsport, PA | 153 | $ 9,331,000 | $ 60,986 | $ 39,000 |
| Binghamton, NY | 152 | $ 7,882,000 | $ 51,855 | $ 55,000 |
| South Bend, IN | 152 | $ 7,818,000 | $ 51,434 | $ 40,000 |
| Jackson, MI | 144 | $ 11,003,000 | $ 76,409 | $ 45,000 |
| Oklahoma City, OK | 143 | $ 9,290,000 | $ 64,965 | $ 43,000 |
| Ocala, FL | 140 | $ 7,958,000 | $ 56,842 | $ 37,000 |
| Wilmington, NC | 137 | $ 10,383,000 | $ 75,788 | $ 56,000 |
| Danbury, CT | 133 | $ 16,658,000 | $ 125,248 | $ 78,000 |
| Fitchburg-Leominster, MA | 132 | $ 12,830,000 | $ 97,196 | $ 59,000 |
| Asheville, NC | 128 | $ 10,444,000 | $ 81,593 | $ 61,000 |
| Myrtle Beach, SC | 124 | $ 9,760,000 | $ 78,709 | $ 65,000 |
| Augusta-Aiken, GA-SC | 122 | $ 7,884,000 | $ 64,622 | $ 52,000 |
| Macon, GA | 122 | $ 8,495,000 | $ 69,631 | $ 33,000 |
| Barnstable-Yarmouth, MA | 121 | $ 15,064,000 | $ 124,495 | $ 68,000 |
| Roanoke, VA | 119 | $ 10,123,000 | $ 85,067 | $ 40,000 |
| Savannah, GA | 118 | $ 8,506,000 | $ 72,084 | $ 64,000 |
| Tulsa, OK | 118 | $ 8,474,000 | $ 71,813 | $ 46,000 |
| Johnstown, PA | 117 | $ 6,362,000 | $ 54,376 | $ 40,000 |
| Tallahassee, FL | 114 | $ 7,507,000 | $ 65,850 | $ 36,000 |
| Glens Falls, NY | 113 | $ 7,782,000 | $ 68,867 | $ 54,000 |
| Jamestown, NY | 111 | $ 6,386,000 | $ 57,531 | $ 45,000 |
| Rocky Mount, NC | 108 | $ 6,868,000 | $ 63,592 | $ 40,000 |
| Dover, DE | 99 | $ 7,984,000 | $ 80,646 | $ 49,000 |
| Altoona, PA | 98 | $ 5,368,000 | $ 54,775 | $ 40,000 |
| Little Rock-North Little Rock, AR | 97 | $ 6,152,000 | $ 63,422 | $ 44,000 |
| Mansfield, OH | 96 | $ 5,478,000 | $ 57,062 | $ 33,000 |
| Punta Gorda, FL | 96 | $ 7,450,000 | $ 77,604 | $ 42,000 |
| Columbus, GA-AL | 95 | $ 6,094,000 | $ 64,147 | $ 41,000 |
| Jacksonville, NC | 95 | $ 5,825,000 | $ 61,315 | $ 53,000 |
| Panama City, FL | 93 | $ 5,810,000 | $ 62,473 | $ 47,000 |
| Elkhart-Goshen, IN | 91 | $ 5,290,000 | $ 58,131 | $ 48,000 |
| Lynchburg, VA | 87 | $ 6,025,000 | $ 69,252 | $ 39,000 |
| Gainesville, FL | 86 | $ 4,891,000 | $ 56,872 | $ 57,000 |
| Sharon, PA | 86 | $ 5,822,000 | $ 67,697 | $ 39,000 |
| St. Louis, MO-IL | 86 | $ 8,597,000 | $ 99,965 | $ 49,000 |
| Albuquerque, NM | 81 | $ 7,114,000 | $ 87,827 | $ 44,000 |
| Duluth-Superior, MN-WI | 81 | $ 5,067,000 | $ 62,555 | $ 39,000 |
| Lafayette, IN | 81 | $ 5,434,000 | $ 67,086 | $ 49,000 |
| Hagerstown, MD | 79 | $ 6,786,000 | $ 85,898 | $ 57,000 |
| Appleton-Oshkosh-Neenah, WI | 78 | $ 5,593,000 | $ 71,705 | $ 45,000 |
| Nashua, NH | 78 | $ 5,355,000 | $ 68,653 | $ 55,000 |
| Springfield, IL | 78 | $ 5,168,000 | $ 66,256 | $ 59,000 |
| Jackson, TN | 77 | $ 4,985,000 | $ 64,740 | $ 51,000 |
| Charlottesville, VA | 76 | $ 6,972,000 | $ 91,736 | $ 42,000 |
| Kenosha, WI | 75 | $ 5,711,000 | $ 76,146 | $ 48,000 |
| Greenville, NC | 74 | $ 4,547,000 | $ 61,445 | $ 36,000 |
| Lincoln, NE | 74 | $ 5,319,000 | $ 71,878 | $ 54,000 |
| Racine, WI | 74 | $ 4,103,000 | $ 55,445 | $ 48,000 |
| Elmira, NY | 70 | $ 3,475,000 | $ 49,642 | $ 35,000 |
| Fort Walton Beach, FL | 70 | $ 4,376,000 | $ 62,514 | $ 135,000 |
| Sacramento, CA | 70 | $ 9,308,000 | $ 132,971 | $ 71,000 |
| Steubenville-Weirton, OH-WV | 69 | $ 3,407,000 | $ 49,376 | $ 37,000 |
| Decatur, IL | 68 | $ 3,515,000 | $ 51,691 | $ 134,000 |
| Clarksville-Hopkinsville, TN-KY | 67 | $ 4,397,000 | $ 65,626 | $ 48,000 |
| Waterloo-Cedar Falls, IA | 67 | $ 4,214,000 | $ 62,895 | $ 38,000 |
| Sioux City, IA-NE | 66 | $ 3,310,000 | $ 50,151 | $ 40,000 |
| Davenport-Moline-Rock Island, IA-IL | 64 | $ 3,352,000 | $ 52,375 | $ 48,000 |
| Florence, SC | 64 | $ 3,878,000 | $ 60,593 | $ 53,000 |
| Champaign-Urbana, IL | 58 | $ 4,300,000 | $ 74,137 | $ 35,000 |
| Muncie, IN | 58 | $ 3,241,000 | $ 55,879 | $ 52,000 |
| State College, PA | 58 | $ 4,151,000 | $ 71,568 | $ 54,000 |
| Sumter, SC | 58 | $ 3,562,000 | $ 61,413 | $ 44,000 |
| Janesville-Beloit, WI | 57 | $ 3,782,000 | $ 66,350 | $ 53,000 |
| Bloomington-Normal, IL | 56 | $ 3,113,000 | $ 55,589 | $ 43,000 |
| Goldsboro, NC | 56 | $ 3,690,000 | $ 65,892 | $ 48,000 |
| St. Cloud, MN | 56 | $ 5,252,000 | $ 93,785 | $ 60,000 |
| Cumberland, MD-WV | 54 | $ 3,021,000 | $ 55,944 | $ 32,000 |
| Madison, WI | 53 | $ 4,535,000 | $ 85,566 | $ 41,000 |
| Topeka, KS | 53 | $ 3,351,000 | $ 63,226 | $ 56,000 |
| Kokomo, IN | 51 | $ 4,240,000 | $ 83,137 | $ 47,000 |
| Owensboro, KY | 51 | $ 2,946,000 | $ 57,764 | $ 26,000 |
| Athens, GA | 50 | $ 3,853,000 | $ 77,060 | $ 37,000 |
| Boise City, ID | 50 | $ 4,781,000 | $ 95,620 | $ 49,000 |
| Danville, VA | 50 | $ 2,619,000 | $ 52,380 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR | 50 | $ 3,878,000 | $ 77,560 | $ 47,000 |
| Kankakee, IL | 50 | $ 3,570,000 | $ 71,400 | $ 53,000 |
| Colorado Springs, CO | 48 | $ 4,804,000 | $ 100,083 | $ 64,000 |
| Green Bay, WI | 48 | $ 3,405,000 | $ 70,937 | $ 61,000 |
| Oakland, CA | 45 | $ 6,441,000 | $ 143,133 | $ 79,000 |
| Cedar Rapids, IA | 43 | $ 2,989,000 | $ 69,511 | $ 36,000 |
| McAllen-Edinburg-Mission, TX | 41 | $ 2,542,000 | $ 62,000 | $ 65,000 |
| Bloomington, IN | 40 | $ 2,101,000 | $ 52,525 | $ 50,000 |
| Wausau, WI | 39 | $ 2,979,000 | $ 76,384 | $ 48,000 |
| Albany, GA | 38 | $ 2,859,000 | $ 75,236 | $ 44,000 |
| Beaumont-Port Arthur, TX | 37 | $ 2,894,000 | $ 78,216 | $ 68,000 |
| Eau Claire, WI | 37 | $ 3,330,000 | $ 90,000 | $ 38,000 |
| Fresno, CA | 37 | $ 3,985,000 | $ 107,702 | $ 64,000 |
| Pittsfield, MA | 37 | $ 2,803,000 | $ 75,756 | $ 63,000 |
| Bakersfield, CA | 35 | $ 3,011,000 | $ 86,028 | $ 39,000 |
| Orange County, CA | 35 | $ 5,220,000 | $ 149,142 | $ 131,000 |
| Modesto, CA | 34 | $ 4,087,000 | $ 120,205 | $ 52,000 |
| Rochester, MN | 34 | $ 3,420,000 | $ 100,588 | $ 38,000 |
| Sheboygan, WI | 33 | $ 2,012,000 | $ 60,969 | $ 43,000 |
| Brownsville-Harlingen-San Benito, TX | 30 | $ 1,732,000 | $ 57,733 | $ 48,000 |
| Dubuque, IA | 30 | $ 2,389,000 | $ 79,633 | $ 27,000 |
| Yuma, AZ | 29 | $ 1,625,000 | $ 56,034 | $ 80,000 |
| Galveston-Texas City, TX | 27 | $ 2,040,000 | $ 75,555 | $ 49,000 |
| Jonesboro, AR | 27 | $ 1,895,000 | $ 70,185 | $ 57,000 |
| Las Cruces, NM | 27 | $ 2,365,000 | $ 87,592 | $ 51,000 |
| Killeen-Temple, TX | 26 | $ 1,780,000 | $ 68,461 | $ 52,000 |
| Stockton-Lodi, CA | 26 | $ 2,999,000 | $ 115,346 | $ 45,000 |
| Wheeling, WV-OH | 26 | $ 942,000 | $ 36,230 | $ 39,000 |
| Manchester, NH | 25 | $ 1,306,000 | $ 52,240 | $ 55,000 |
| Boulder-Longmont, CO | 24 | $ 3,513,000 | $ 146,375 | $ 65,000 |
| Lawrence, KS | 23 | $ 1,553,000 | $ 67,521 | $ 45,000 |
| Lawton, OK | 23 | $ 1,543,000 | $ 67,086 | $ 131,000 |
| Portsmouth-Rochester, NH-ME | 23 | $ 2,842,000 | $ 123,565 | $ 101,000 |
| Ventura, CA | 23 | $ 3,317,000 | $ 144,217 | $ 118,000 |
| Huntington-Ashland, WV-KY-OH | 22 | $ 1,003,000 | $ 45,590 | $ 81,000 |
| Odessa-Midland, TX | 22 | $ 1,155,000 | $ 52,500 | $ 39,000 |
| Fort Collins-Loveland, CO | 21 | $ 2,664,000 | $ 126,857 | $ 81,000 |
| Greeley, CO | 21 | $ 1,776,000 | $ 84,571 | $ 52,000 |
| Pueblo, CO | 20 | $ 1,693,000 | $ 84,650 | $ 46,000 |
| Fort Smith, AR-OK | 19 | $ 1,804,000 | $ 94,947 | $ 49,000 |
| Pine Bluff, AR | 19 | $ 1,069,000 | $ 56,263 | $ 34,000 |
| Waco, TX | 18 | $ 942,000 | $ 52,333 | $ 43,000 |
| Corpus Christi, TX | 17 | $ 888,000 | $ 52,235 | $ 47,000 |
| Flagstaff, AZ-UT | 17 | $ 1,793,000 | $ 105,470 | $ 104,000 |
| La Crosse, WI-MN | 17 | $ 1,090,000 | $ 64,117 | $ 34,000 |
| Laredo, TX | 17 | $ 1,082,000 | $ 63,647 | $ 40,000 |
| Longview-Marshall, TX | 17 | $ 872,000 | $ 51,294 | $ 101,000 |
| Santa Fe, NM | 17 | $ 2,043,000 | $ 120,176 | $ 94,000 |
| Brazoria, TX | 16 | $ 1,637,000 | $ 102,312 | $ 50,000 |
| Bryan-College Station, TX | 16 | $ 703,000 | $ 43,937 | $ 37,000 |
| Charleston, WV | 16 | $ 846,000 | $ 52,875 | $ 51,000 |
| Grand Junction, CO | 16 | $ 1,669,000 | $ 104,312 | $ 40,000 |
| El Paso, TX | 15 | $ 1,100,000 | $ 73,333 | $ 54,000 |
| Tyler, TX | 15 | $ 948,000 | $ 63,200 | $ 44,000 |
| Iowa City, IA | 14 | $ 1,121,000 | $ 80,071 | $ 35,000 |
| Chico-Paradise, CA | 13 | $ 835,000 | $ 64,230 | $ 53,000 |
| Merced, CA | 13 | $ 1,590,000 | $ 122,307 | $ 55,000 |
| Vallejo-Fairfield-Napa, CA | 13 | $ 2,705,000 | $ 208,076 | $ 94,000 |
| Kansas City, MO-KS | 12 | $ 1,384,000 | $ 115,333 | $ 88,000 |
| Lubbock, TX | 12 | $ 456,000 | $ 38,000 | $ 44,000 |
| Visalia-Tulare-Porterville, CA | 12 | $ 1,137,000 | $ 94,750 | $ 33,000 |
| Abilene, TX | 11 | $ 585,000 | $ 53,181 | $ 47,000 |
| San Angelo, TX | 11 | $ 543,000 | $ 49,363 | $ 46,000 |
| Salinas, CA | 10 | $ 1,918,000 | $ 191,800 | $ 60,000 |
| Pocatello, ID | 9 | $ 601,000 | $ 66,777 | $ 43,000 |
| Amarillo, TX | 8 | $ 560,000 | $ 70,000 | $ 42,000 |
| Santa Rosa, CA | 8 | $ 1,157,000 | $ 144,625 | $ 59,000 |
| Sherman-Denison, TX | 8 | $ 407,000 | $ 50,875 | $ 37,000 |
| Victoria, TX | 6 | $ 452,000 | $ 75,333 | $ 37,000 |
| Yuba City, CA | 6 | $ 714,000 | $ 119,000 | $ 63,000 |
| Enid, OK | 5 | $ 351,000 | $ 70,200 | $ 44,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 5 | $ 363,000 | $ 72,600 | $ 90,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 696,000 | $ 139,200 | $ 108,000 |
| Texarkana, TX-AR | 5 | $ 361,000 | $ 72,200 | $ 60,000 |
| Yolo, CA | 5 | $ 523,000 | $ 104,600 | $ 58,000 |
| Parkersburg-Marietta, WV-OH | 4 | $ 126,000 | $ 31,500 | $ 19,000 |
| Portland, ME | 4 | $ 500,000 | $ 125,000 | $ 124,000 |
| San Diego, CA | 3 | $ 370,000 | $ 123,333 | $ 157,000 |
| Wichita Falls, TX | 3 | $ 65,000 | $ 21,666 | $ 59,000 |
| Redding, CA | 2 | $ 225,000 | $ 112,500 | $ 67,000 |
| Springfield, MO | 2 | $ 135,000 | $ 67,500 | $ 41,000 |
| Biloxi-Gulfport-Pascagoula, MS | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Bremerton, WA | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| Burlington, VT | 1 | $ 132,000 | $ 132,000 | $ 51,000 |
| Columbia, MO | 1 | $ 120,000 | $ 120,000 | $ 74,000 |
| Grand Forks, ND-MN | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Joplin, MO | 1 | $ 59,000 | $ 59,000 | $ 38,000 |
| Las Vegas, NV-AZ | 1 | $ 49,000 | $ 49,000 | $ 120,000 |
| Lewiston-Auburn, ME | 1 | $ 52,000 | $ 52,000 | $ 66,000 |
| New Orleans, LA | 1 | $ 5,000 | $ 5,000 | $ 22,000 |
| Portland-Vancouver, OR-WA | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Rapid City, SD | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Richland-Kennewick-Pasco, WA | 1 | $ 5,000 | $ 5,000 | $ 39,000 |
| Washington, DC-MD-VA-WV | 1 | $ 64,000 | $ 64,000 | $ 50,000 |
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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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