American Home Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
American Home Bank 2003 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 | American Home Bank 3840 Hempland Road Mountville, PA 17554 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,508 |
| Total Mortgage Loan Application Amount | $375,734,000 |
| Average Mortgage Loan Application Amount | $221,512 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $98,073 |
| Highest Applicant Income | $1,516,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with American Home 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 American Home Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down American Home 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 American Home Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by American Home 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 American Home Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Pennsylvania | 755 | $ 104,378,000 | $ 138,000 | $ 79,000 |
| Cumberland County Pennsylvania | 472 | $ 63,087,000 | $ 133,000 | $ 57,000 |
| York County Pennsylvania | 193 | $ 27,117,000 | $ 140,000 | $ 85,000 |
| Union County Pennsylvania | 115 | $ 15,300,000 | $ 133,000 | $ 79,000 |
| Dauphin County Pennsylvania | 102 | $ 14,845,000 | $ 145,000 | $ 91,000 |
| Berks County Pennsylvania | 90 | $ 11,657,000 | $ 129,000 | $ 60,000 |
| Lebanon County Pennsylvania | 55 | $ 8,362,000 | $ 152,000 | $ 60,000 |
| Northumberland County Pennsylvania | 49 | $ 5,646,000 | $ 115,000 | $ 61,000 |
| Adams County Pennsylvania | 43 | $ 5,768,000 | $ 134,000 | $ 54,000 |
| Montgomery County Pennsylvania | 37 | $ 7,609,000 | $ 205,000 | $ 102,000 |
| Chester County Pennsylvania | 36 | $ 10,188,000 | $ 283,000 | $ 338,000 |
| Lehigh County Pennsylvania | 32 | $ 4,442,000 | $ 138,000 | $ 96,000 |
| Bucks County Pennsylvania | 26 | $ 5,199,000 | $ 199,000 | $ 105,000 |
| Perry County Pennsylvania | 26 | $ 3,395,000 | $ 130,000 | $ 70,000 |
| Allegheny County Pennsylvania | 25 | $ 5,231,000 | $ 209,000 | $ 94,000 |
| Snyder County Pennsylvania | 25 | $ 3,227,000 | $ 129,000 | $ 74,000 |
| Lycoming County Pennsylvania | 22 | $ 3,108,000 | $ 141,000 | $ 75,000 |
| Howard County Maryland | 13 | $ 2,828,000 | $ 217,000 | $ 180,000 |
| Northampton County Pennsylvania | 12 | $ 1,630,000 | $ 135,000 | $ 78,000 |
| Columbia County Pennsylvania | 11 | $ 1,685,000 | $ 153,000 | $ 73,000 |
| Montgomery County Maryland | 10 | $ 2,046,000 | $ 204,000 | $ 92,000 |
| Montour County Pennsylvania | 10 | $ 1,008,000 | $ 100,000 | $ 71,000 |
| Sussex County Delaware | 9 | $ 2,038,000 | $ 226,000 | $ 212,000 |
| Delaware County Pennsylvania | 9 | $ 1,562,000 | $ 173,000 | $ 97,000 |
| Philadelphia County Pennsylvania | 9 | $ 1,454,000 | $ 161,000 | $ 125,000 |
| Washington County Pennsylvania | 9 | $ 2,040,000 | $ 226,000 | $ 75,000 |
| Kent County Delaware | 8 | $ 1,296,000 | $ 162,000 | $ 55,000 |
| Monroe County Pennsylvania | 8 | $ 1,142,000 | $ 142,000 | $ 74,000 |
| Fairfax County Virginia | 8 | $ 2,141,000 | $ 267,000 | $ 169,000 |
| New Castle County Delaware | 7 | $ 1,809,000 | $ 258,000 | $ 140,000 |
| Luzerne County Pennsylvania | 7 | $ 979,000 | $ 139,000 | $ 94,000 |
| Schuylkill County Pennsylvania | 7 | $ 951,000 | $ 135,000 | $ 65,000 |
| Lexington County South Carolina | 7 | $ 1,358,000 | $ 194,000 | $ 92,000 |
| Anne Arundel County Maryland | 6 | $ 1,414,000 | $ 235,000 | $ 107,000 |
| Baltimore County Maryland | 6 | $ 1,342,000 | $ 223,000 | $ 118,000 |
| Harford County Maryland | 6 | $ 938,000 | $ 156,000 | $ 71,000 |
| Butler County Pennsylvania | 6 | $ 1,071,000 | $ 178,000 | $ 98,000 |
| Richland County South Carolina | 6 | $ 1,455,000 | $ 242,000 | $ 86,000 |
| Beaver County Pennsylvania | 5 | $ 1,030,000 | $ 206,000 | $ 86,000 |
| Centre County Pennsylvania | 5 | $ 884,000 | $ 176,000 | $ 109,000 |
| Frederick County Maryland | 4 | $ 779,000 | $ 194,000 | $ 97,000 |
| Clinton County Pennsylvania | 4 | $ 600,000 | $ 150,000 | $ 79,000 |
| Franklin County Pennsylvania | 4 | $ 398,000 | $ 99,000 | $ 73,000 |
| Somerset County Pennsylvania | 4 | $ 541,000 | $ 135,000 | $ 91,000 |
| Westmoreland County Pennsylvania | 4 | $ 809,000 | $ 202,000 | $ 68,000 |
| Adams County Colorado | 3 | $ 735,000 | $ 245,000 | $ 67,000 |
| Weld County Colorado | 3 | $ 674,000 | $ 224,000 | $ 56,000 |
| Worcester County Maryland | 3 | $ 429,000 | $ 143,000 | $ 175,000 |
| Blair County Pennsylvania | 3 | $ 333,000 | $ 111,000 | $ 51,000 |
| Pike County Pennsylvania | 3 | $ 370,000 | $ 123,000 | $ 64,000 |
| Dorchester County South Carolina | 3 | $ 769,000 | $ 256,000 | $ 68,000 |
| Franklin County Virginia | 3 | $ 932,000 | $ 310,000 | $ 89,000 |
| Shelby County Alabama | 2 | $ 285,000 | $ 142,000 | $ 45,000 |
| District of Columbia County District Of Columbia | 2 | $ 323,000 | $ 161,000 | $ 106,000 |
| St. Johns County Florida | 2 | $ 350,000 | $ 175,000 | $ 52,000 |
| Oconee County Georgia | 2 | $ 362,000 | $ 181,000 | $ 61,000 |
| Pickens County Georgia | 2 | $ 412,000 | $ 206,000 | $ 82,000 |
| Baltimore City County Maryland | 2 | $ 117,000 | $ 58,000 | $ 69,000 |
| Carroll County Maryland | 2 | $ 258,000 | $ 129,000 | $ 89,000 |
| Cecil County Maryland | 2 | $ 733,000 | $ 366,000 | $ 155,000 |
| Prince George's County Maryland | 2 | $ 433,000 | $ 216,000 | $ 116,000 |
| Washington County Maryland | 2 | $ 349,000 | $ 174,000 | $ 59,000 |
| Gloucester County New Jersey | 2 | $ 498,000 | $ 249,000 | $ 123,000 |
| Delaware County New York | 2 | $ 124,000 | $ 62,000 | $ 120,000 |
| Ontario County New York | 2 | $ 281,000 | $ 140,000 | $ 107,000 |
| Buncombe County North Carolina | 2 | $ 230,000 | $ 115,000 | $ 33,000 |
| Dare County North Carolina | 2 | $ 810,000 | $ 405,000 | $ 168,000 |
| Forsyth County North Carolina | 2 | $ 347,000 | $ 173,000 | $ 46,000 |
| Rutherford County North Carolina | 2 | $ 602,000 | $ 301,000 | $ 127,000 |
| Warren County Ohio | 2 | $ 479,000 | $ 239,000 | $ 117,000 |
| Cambria County Pennsylvania | 2 | $ 301,000 | $ 150,000 | $ 61,000 |
| Huntingdon County Pennsylvania | 2 | $ 252,000 | $ 126,000 | $ 103,000 |
| Juniata County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 104,000 |
| Mifflin County Pennsylvania | 2 | $ 152,000 | $ 76,000 | $ 84,000 |
| Tioga County Pennsylvania | 2 | $ 308,000 | $ 154,000 | $ 76,000 |
| Berkeley County South Carolina | 2 | $ 439,000 | $ 219,000 | $ 99,000 |
| Greenville County South Carolina | 2 | $ 351,000 | $ 175,000 | $ 118,000 |
| Laurens County South Carolina | 2 | $ 319,000 | $ 159,000 | $ 60,000 |
| Pickens County South Carolina | 2 | $ 374,000 | $ 187,000 | $ 83,000 |
| Albemarle County Virginia | 2 | $ 354,000 | $ 177,000 | $ 68,000 |
| Arlington County Virginia | 2 | $ 409,000 | $ 204,000 | $ 112,000 |
| Bedford County Virginia | 2 | $ 133,000 | $ 66,000 | $ 124,000 |
| Montgomery County Virginia | 2 | $ 427,000 | $ 213,000 | $ 198,000 |
| Nottoway County Virginia | 2 | $ 276,000 | $ 138,000 | $ 55,000 |
| Prince William County Virginia | 2 | $ 504,000 | $ 252,000 | $ 57,000 |
| Stafford County Virginia | 2 | $ 390,000 | $ 195,000 | $ 80,000 |
| Hampshire County West Virginia | 2 | $ 500,000 | $ 250,000 | $ 95,000 |
| Baldwin County Alabama | 1 | $ 79,000 | $ 79,000 | $ 14,000 |
| Mobile County Alabama | 1 | $ 190,000 | $ 190,000 | $ 30,000 |
| Tuscaloosa County Alabama | 1 | $ 323,000 | $ 323,000 | $ 240,000 |
| Yavapai County Arizona | 1 | $ 860,000 | $ 860,000 | $ 180,000 |
| Eagle County Colorado | 1 | $ 575,000 | $ 575,000 | $ 340,000 |
| Elbert County Colorado | 1 | $ 323,000 | $ 323,000 | $ 50,000 |
| Larimer County Colorado | 1 | $ 233,000 | $ 233,000 | $ 116,000 |
| Bay County Florida | 1 | $ 128,000 | $ 128,000 | $ 32,000 |
| Charlotte County Florida | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| DeSoto County Florida | 1 | $ 154,000 | $ 154,000 | $ 67,000 |
| Highlands County Florida | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
| Marion County Florida | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Monroe County Florida | 1 | $ 276,000 | $ 276,000 | $ 93,000 |
| Fayette County Georgia | 1 | $ 253,000 | $ 253,000 | $ 86,000 |
| Glascock County Georgia | 1 | $ 104,000 | $ 104,000 | $ 44,000 |
| Grady County Georgia | 1 | $ 160,000 | $ 160,000 | $ 107,000 |
| Henry County Georgia | 1 | $ 160,000 | $ 160,000 | $ 86,000 |
| Murray County Georgia | 1 | $ 114,000 | $ 114,000 | $ 62,000 |
| Pike County Georgia | 1 | $ 153,000 | $ 153,000 | $ 49,000 |
| Polk County Georgia | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| White County Georgia | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Allen County Indiana | 1 | $ 166,000 | $ 166,000 | $ 46,000 |
| Dearborn County Indiana | 1 | $ 304,000 | $ 304,000 | $ 78,000 |
| Ohio County Indiana | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Spencer County Indiana | 1 | $ 182,000 | $ 182,000 | $ 73,000 |
| Jefferson County Kentucky | 1 | $ 323,000 | $ 323,000 | $ 90,000 |
| Laurel County Kentucky | 1 | $ 98,000 | $ 98,000 | $ 86,000 |
| Lewis County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 166,000 |
| Queen Anne's County Maryland | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| St. Mary's County Maryland | 1 | $ 128,000 | $ 128,000 | $ 85,000 |
| Simpson County Mississippi | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Atlantic County New Jersey | 1 | $ 228,000 | $ 228,000 | $ 155,000 |
| Cape May County New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 417,000 |
| Middlesex County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 115,000 |
| Onondaga County New York | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Putnam County New York | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Alamance County North Carolina | 1 | $ 212,000 | $ 212,000 | $ 75,000 |
| Avery County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 84,000 |
| Caswell County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Haywood County North Carolina | 1 | $ 508,000 | $ 508,000 | $ 108,000 |
| Henderson County North Carolina | 1 | $ 258,000 | $ 258,000 | $ 145,000 |
| Madison County North Carolina | 1 | $ 168,000 | $ 168,000 | $ 61,000 |
| McDowell County North Carolina | 1 | $ 223,000 | $ 223,000 | $ 132,000 |
| Rockingham County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 46,000 |
| Union County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 65,000 |
| Ashland County Ohio | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Crawford County Ohio | 1 | $ 172,000 | $ 172,000 | $ 76,000 |
| Gallia County Ohio | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Logan County Ohio | 1 | $ 436,000 | $ 436,000 | $ 114,000 |
| Pike County Ohio | 1 | $ 200,000 | $ 200,000 | $ 74,000 |
| Bradford County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 67,000 |
| Carbon County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Fayette County Pennsylvania | 1 | $ 252,000 | $ 252,000 | $ 67,000 |
| Indiana County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Lackawanna County Pennsylvania | 1 | $ 274,000 | $ 274,000 | $ 73,000 |
| Lawrence County Pennsylvania | 1 | $ 218,000 | $ 218,000 | $ 38,000 |
| Potter County Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 99,000 |
| Wayne County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 94,000 |
| Wyoming County Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 70,000 |
| Aiken County South Carolina | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Anderson County South Carolina | 1 | $ 198,000 | $ 198,000 | $ 61,000 |
| Charleston County South Carolina | 1 | $ 183,000 | $ 183,000 | $ 41,000 |
| Georgetown County South Carolina | 1 | $ 48,000 | $ 48,000 | $ 244,000 |
| Horry County South Carolina | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Newberry County South Carolina | 1 | $ 84,000 | $ 84,000 | $ 60,000 |
| Oconee County South Carolina | 1 | $ 193,000 | $ 193,000 | $ 120,000 |
| Sumter County South Carolina | 1 | $ 203,000 | $ 203,000 | $ 52,000 |
| Union County South Carolina | 1 | $ 126,000 | $ 126,000 | $ 47,000 |
| Claiborne County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 148,000 |
| Davidson County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 67,000 |
| Fentress County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 113,000 |
| Henderson County Tennessee | 1 | $ 323,000 | $ 323,000 | $ 94,000 |
| Lauderdale County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 58,000 |
| Sevier County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 31,000 |
| Van Buren County Tennessee | 1 | $ 216,000 | $ 216,000 | $ 120,000 |
| Botetourt County Virginia | 1 | $ 100,000 | $ 100,000 | $ 43,000 |
| Buckingham County Virginia | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Campbell County Virginia | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Caroline County Virginia | 1 | $ 192,000 | $ 192,000 | $ 66,000 |
| Carroll County Virginia | 1 | $ 81,000 | $ 81,000 | $ 24,000 |
| Culpeper County Virginia | 1 | $ 344,000 | $ 344,000 | $ 140,000 |
| Essex County Virginia | 1 | $ 126,000 | $ 126,000 | $ 33,000 |
| Fairfax City County Virginia | 1 | $ 234,000 | $ 234,000 | $ 115,000 |
| Floyd County Virginia | 1 | $ 164,000 | $ 164,000 | $ 45,000 |
| Gloucester County Virginia | 1 | $ 86,000 | $ 86,000 | $ 37,000 |
| Hanover County Virginia | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
| Henrico County Virginia | 1 | $ 180,000 | $ 180,000 | $ 105,000 |
| Loudoun County Virginia | 1 | $ 323,000 | $ 323,000 | $ 197,000 |
| Louisa County Virginia | 1 | $ 264,000 | $ 264,000 | $ 85,000 |
| Manassas County Virginia | 1 | $ 88,000 | $ 88,000 | $ 38,000 |
| Mathews County Virginia | 1 | $ 500,000 | $ 500,000 | $ 112,000 |
| New Kent County Virginia | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Northampton County Virginia | 1 | $ 243,000 | $ 243,000 | $ 154,000 |
| Roanoke County Virginia | 1 | $ 268,000 | $ 268,000 | $ 86,000 |
| Russell County Virginia | 1 | $ 201,000 | $ 201,000 | $ 74,000 |
| Spotsylvania County Virginia | 1 | $ 162,000 | $ 162,000 | $ 87,000 |
| Warren County Virginia | 1 | $ 171,000 | $ 171,000 | $ 48,000 |
| Westmoreland County Virginia | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Berkeley County West Virginia | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Brooke County West Virginia | 1 | $ 279,000 | $ 279,000 | $ 109,000 |
| Hardy County West Virginia | 1 | $ 150,000 | $ 150,000 | $ 142,000 |
| Harrison County West Virginia | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Jefferson County West Virginia | 1 | $ 350,000 | $ 350,000 | $ 215,000 |
| Marion County West Virginia | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Mason County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Wirt County West Virginia | 1 | $ 226,000 | $ 226,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for American Home Bank 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) | 1,301 | $194,286,000 | $192,526 | $650,000 | $89,157 | $857,000 |
| Home Purchase (one-to-four family) | 1,189 | $179,137,000 | $241,400 | $1,000,000 | $112,150 | $1,516,000 |
| Home Improvement (one-to-four family) | 15 | $651,000 | $43,000 | $158,000 | $84,000 | $191,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $1,660,000 | $553,000 | $1,400,000 | $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 | 2,308 | $343,190,000 | $231,200 | $1,000,000 | $98,700 | $1,516,000 |
| Information not provided by applicant in mail or telephone application | 89 | $14,322,000 | $196,000 | $486,000 | $117,250 | $244,000 |
| Asian or Pacific Islander | 36 | $6,073,000 | $254,000 | $650,000 | $98,000 | $220,000 |
| Hispanic | 28 | $3,553,000 | $179,285 | $399,000 | $89,000 | $176,000 |
| Black | 25 | $3,732,000 | $144,166 | $390,000 | $66,500 | $212,000 |
| Other | 17 | $2,975,000 | $188,000 | $315,000 | $99,000 | $229,000 |
| American Indian or Alaskan Native | 4 | $489,000 | $161,000 | $239,000 | $86,000 | $103,000 |
| Not applicable | 1 | $1,400,000 | $1,400,000 | $1,400,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,508 | $375,734,000 | $231,142 | $1,400,000 | $97,428 | $1,516,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 2,210 | $323,494,000 | $231,400 | $1,000,000 | $112,650 | $1,516,000 |
| Application Approved But Not Accepted | 171 | $30,913,000 | $210,000 | $500,000 | $94,714 | $469,000 |
| Application Denied By Financial Institution | 99 | $16,687,000 | $207,583 | $650,000 | $61,083 | $511,000 |
| Application Withdrawn By Applicant | 28 | $4,640,000 | $97,000 | $1,400,000 | $103,500 | $220,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 43 | $7,861,000 | $209,300 | $508,000 | $57,800 | $191,000 |
| Credit History | 31 | $5,170,000 | $200,000 | $650,000 | $71,571 | $511,000 |
| Collateral | 17 | $2,698,000 | $201,600 | $350,000 | $64,800 | $215,000 |
| Credit Application Incomplete | 3 | $226,000 | $75,000 | $120,000 | $60,000 | $80,000 |
| Other | 2 | $272,000 | $136,000 | $212,000 | $46,500 | $75,000 |
| Employment History | 1 | $244,000 | $244,000 | $244,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $140,000 | $140,000 | $140,000 | $90,000 | $90,000 |
| Mortgage Insurance Denied | 1 | $76,000 | $76,000 | $76,000 | $35,000 | $35,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Bank'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 Home 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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with aggregated HMDA statistics today.