American Home Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
American Home Bank 2004 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 | 2,345 |
| Total Mortgage Loan Application Amount | $397,779,000 |
| Average Mortgage Loan Application Amount | $204,131 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $97,500 |
| Highest Applicant Income | $1,683,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 463 | $ 69,251,000 | $ 149,000 | $ 67,000 |
| Cumberland County Pennsylvania | 214 | $ 34,945,000 | $ 163,000 | $ 63,000 |
| York County Pennsylvania | 190 | $ 27,503,000 | $ 144,000 | $ 83,000 |
| Berks County Pennsylvania | 145 | $ 23,348,000 | $ 161,000 | $ 155,000 |
| Dauphin County Pennsylvania | 108 | $ 17,703,000 | $ 163,000 | $ 86,000 |
| Sussex County Delaware | 91 | $ 18,096,000 | $ 198,000 | $ 104,000 |
| Union County Pennsylvania | 73 | $ 11,070,000 | $ 151,000 | $ 91,000 |
| Lebanon County Pennsylvania | 65 | $ 8,715,000 | $ 134,000 | $ 58,000 |
| Chester County Pennsylvania | 38 | $ 8,662,000 | $ 227,000 | $ 131,000 |
| Northumberland County Pennsylvania | 36 | $ 5,080,000 | $ 141,000 | $ 57,000 |
| Allegheny County Pennsylvania | 35 | $ 8,442,000 | $ 241,000 | $ 107,000 |
| Harford County Maryland | 33 | $ 7,244,000 | $ 219,000 | $ 91,000 |
| Schuylkill County Pennsylvania | 32 | $ 4,531,000 | $ 141,000 | $ 88,000 |
| Kent County Delaware | 28 | $ 4,034,000 | $ 144,000 | $ 88,000 |
| Snyder County Pennsylvania | 27 | $ 4,023,000 | $ 149,000 | $ 57,000 |
| Columbia County Pennsylvania | 22 | $ 3,741,000 | $ 170,000 | $ 74,000 |
| Wicomico County Maryland | 18 | $ 2,519,000 | $ 139,000 | $ 61,000 |
| Montgomery County Pennsylvania | 18 | $ 3,902,000 | $ 216,000 | $ 80,000 |
| Cecil County Maryland | 17 | $ 3,084,000 | $ 181,000 | $ 96,000 |
| New Castle County Delaware | 16 | $ 3,517,000 | $ 219,000 | $ 99,000 |
| Adams County Pennsylvania | 16 | $ 2,206,000 | $ 137,000 | $ 46,000 |
| Champaign County Illinois | 15 | $ 1,995,000 | $ 133,000 | $ 68,000 |
| Perry County Pennsylvania | 14 | $ 1,917,000 | $ 136,000 | $ 68,000 |
| Peoria County Illinois | 13 | $ 1,476,000 | $ 113,000 | $ 62,000 |
| Sangamon County Illinois | 13 | $ 1,595,000 | $ 122,000 | $ 72,000 |
| Tazewell County Illinois | 13 | $ 1,666,000 | $ 128,000 | $ 71,000 |
| Anne Arundel County Maryland | 13 | $ 2,960,000 | $ 227,000 | $ 78,000 |
| Montgomery County Maryland | 11 | $ 2,688,000 | $ 244,000 | $ 120,000 |
| Franklin County Pennsylvania | 11 | $ 2,091,000 | $ 190,000 | $ 98,000 |
| Montour County Pennsylvania | 11 | $ 1,750,000 | $ 159,000 | $ 71,000 |
| Bucks County Pennsylvania | 10 | $ 2,154,000 | $ 215,000 | $ 86,000 |
| Delaware County Pennsylvania | 10 | $ 1,859,000 | $ 185,000 | $ 93,000 |
| Lycoming County Pennsylvania | 10 | $ 1,575,000 | $ 157,000 | $ 52,000 |
| Prince George's County Maryland | 8 | $ 2,514,000 | $ 314,000 | $ 157,000 |
| Philadelphia County Pennsylvania | 8 | $ 1,231,000 | $ 153,000 | $ 76,000 |
| Baltimore County Maryland | 7 | $ 1,076,000 | $ 153,000 | $ 77,000 |
| Juniata County Pennsylvania | 7 | $ 1,207,000 | $ 172,000 | $ 102,000 |
| Washington County Pennsylvania | 7 | $ 1,931,000 | $ 275,000 | $ 96,000 |
| Westmoreland County Pennsylvania | 7 | $ 1,290,000 | $ 184,000 | $ 69,000 |
| Burlington County New Jersey | 6 | $ 1,001,000 | $ 166,000 | $ 138,000 |
| Gloucester County New Jersey | 6 | $ 1,188,000 | $ 198,000 | $ 118,000 |
| Bradford County Pennsylvania | 6 | $ 874,000 | $ 145,000 | $ 96,000 |
| Centre County Pennsylvania | 6 | $ 1,047,000 | $ 174,000 | $ 80,000 |
| Northampton County Pennsylvania | 6 | $ 1,232,000 | $ 205,000 | $ 91,000 |
| Fairfax County Virginia | 6 | $ 1,359,000 | $ 226,000 | $ 130,000 |
| Sullivan County New York | 5 | $ 1,161,000 | $ 232,000 | $ 152,000 |
| Buncombe County North Carolina | 5 | $ 1,150,000 | $ 230,000 | $ 75,000 |
| Caswell County North Carolina | 5 | $ 881,000 | $ 176,000 | $ 70,000 |
| Beaver County Pennsylvania | 5 | $ 1,025,000 | $ 205,000 | $ 82,000 |
| Luzerne County Pennsylvania | 5 | $ 1,020,000 | $ 204,000 | $ 89,000 |
| Bedford County Virginia | 5 | $ 786,000 | $ 157,000 | $ 47,000 |
| Spotsylvania County Virginia | 5 | $ 831,000 | $ 166,000 | $ 49,000 |
| Warren County Virginia | 5 | $ 1,265,000 | $ 253,000 | $ 85,000 |
| Woodford County Illinois | 4 | $ 390,000 | $ 97,000 | $ 66,000 |
| Howard County Maryland | 4 | $ 960,000 | $ 240,000 | $ 96,000 |
| Camden County New Jersey | 4 | $ 905,000 | $ 226,000 | $ 68,000 |
| Rockingham County North Carolina | 4 | $ 641,000 | $ 160,000 | $ 56,000 |
| Butler County Pennsylvania | 4 | $ 871,000 | $ 217,000 | $ 118,000 |
| Huntingdon County Pennsylvania | 4 | $ 491,000 | $ 122,000 | $ 60,000 |
| Lehigh County Pennsylvania | 4 | $ 570,000 | $ 142,000 | $ 56,000 |
| Tioga County Pennsylvania | 4 | $ 563,000 | $ 140,000 | $ 72,000 |
| Botetourt County Virginia | 4 | $ 693,000 | $ 173,000 | $ 73,000 |
| Chilton County Alabama | 3 | $ 485,000 | $ 161,000 | $ 42,000 |
| Cullman County Alabama | 3 | $ 685,000 | $ 228,000 | $ 86,000 |
| Tuscaloosa County Alabama | 3 | $ 489,000 | $ 163,000 | $ 88,000 |
| Morgan County Colorado | 3 | $ 522,000 | $ 174,000 | $ 49,000 |
| Carroll County Georgia | 3 | $ 566,000 | $ 188,000 | $ 47,000 |
| Baltimore City County Maryland | 3 | $ 350,000 | $ 116,000 | $ 81,000 |
| Carroll County Maryland | 3 | $ 421,000 | $ 140,000 | $ 88,000 |
| Cape May County New Jersey | 3 | $ 559,000 | $ 186,000 | $ 115,000 |
| Iredell County North Carolina | 3 | $ 591,000 | $ 197,000 | $ 67,000 |
| Jackson County North Carolina | 3 | $ 408,000 | $ 136,000 | $ 84,000 |
| Madison County North Carolina | 3 | $ 572,000 | $ 190,000 | $ 64,000 |
| McDowell County North Carolina | 3 | $ 759,000 | $ 253,000 | $ 82,000 |
| Rutherford County North Carolina | 3 | $ 659,000 | $ 219,000 | $ 199,000 |
| Brown County Ohio | 3 | $ 924,000 | $ 308,000 | $ 195,000 |
| Clermont County Ohio | 3 | $ 586,000 | $ 195,000 | $ 64,000 |
| Carbon County Pennsylvania | 3 | $ 650,000 | $ 216,000 | $ 87,000 |
| Lackawanna County Pennsylvania | 3 | $ 517,000 | $ 172,000 | $ 71,000 |
| Monroe County Pennsylvania | 3 | $ 418,000 | $ 139,000 | $ 63,000 |
| Charleston County South Carolina | 3 | $ 706,000 | $ 235,000 | $ 80,000 |
| Greenville County South Carolina | 3 | $ 428,000 | $ 142,000 | $ 42,000 |
| Newberry County South Carolina | 3 | $ 612,000 | $ 204,000 | $ 130,000 |
| Richland County South Carolina | 3 | $ 565,000 | $ 188,000 | $ 61,000 |
| Saluda County South Carolina | 3 | $ 436,000 | $ 145,000 | $ 76,000 |
| King George County Virginia | 3 | $ 656,000 | $ 218,000 | $ 133,000 |
| Pulaski County Virginia | 3 | $ 413,000 | $ 137,000 | $ 58,000 |
| Stafford County Virginia | 3 | $ 760,000 | $ 253,000 | $ 157,000 |
| Blount County Alabama | 2 | $ 263,000 | $ 131,000 | $ 51,000 |
| DeKalb County Alabama | 2 | $ 334,000 | $ 167,000 | $ 68,000 |
| Shelby County Alabama | 2 | $ 602,000 | $ 301,000 | $ 151,000 |
| St. Clair County Alabama | 2 | $ 380,000 | $ 190,000 | $ 74,000 |
| District of Columbia County District Of Columbia | 2 | $ 575,000 | $ 287,000 | $ 106,000 |
| Duval County Florida | 2 | $ 276,000 | $ 138,000 | $ 71,000 |
| Gadsden County Florida | 2 | $ 571,000 | $ 285,000 | $ 98,000 |
| Lake County Florida | 2 | $ 505,000 | $ 252,000 | $ 126,000 |
| Palm Beach County Florida | 2 | $ 742,000 | $ 371,000 | $ 83,000 |
| Henry County Georgia | 2 | $ 397,000 | $ 198,000 | $ 74,000 |
| Morgan County Georgia | 2 | $ 598,000 | $ 299,000 | $ 101,000 |
| Newton County Georgia | 2 | $ 443,000 | $ 221,000 | $ 70,000 |
| Allen County Indiana | 2 | $ 357,000 | $ 178,000 | $ 88,000 |
| Woodford County Kentucky | 2 | $ 370,000 | $ 185,000 | $ 93,000 |
| Calvert County Maryland | 2 | $ 362,000 | $ 181,000 | $ 107,000 |
| Dorchester County Maryland | 2 | $ 182,000 | $ 91,000 | $ 62,000 |
| Frederick County Maryland | 2 | $ 365,000 | $ 182,000 | $ 54,000 |
| Washington County Maryland | 2 | $ 429,000 | $ 214,000 | $ 79,000 |
| Worcester County Maryland | 2 | $ 545,000 | $ 272,000 | $ 225,000 |
| Delaware County New York | 2 | $ 597,000 | $ 298,000 | $ 148,000 |
| Greene County New York | 2 | $ 489,000 | $ 244,000 | $ 127,000 |
| Orange County New York | 2 | $ 590,000 | $ 295,000 | $ 56,000 |
| Alamance County North Carolina | 2 | $ 578,000 | $ 289,000 | $ 102,000 |
| Burke County North Carolina | 2 | $ 359,000 | $ 179,000 | $ 55,000 |
| Catawba County North Carolina | 2 | $ 288,000 | $ 144,000 | $ 53,000 |
| Forsyth County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Henderson County North Carolina | 2 | $ 422,000 | $ 211,000 | $ 55,000 |
| Rowan County North Carolina | 2 | $ 522,000 | $ 261,000 | $ 89,000 |
| Stanly County North Carolina | 2 | $ 328,000 | $ 164,000 | $ 51,000 |
| Warren County North Carolina | 2 | $ 421,000 | $ 210,000 | $ 85,000 |
| Allen County Ohio | 2 | $ 428,000 | $ 214,000 | $ 85,000 |
| Morrow County Ohio | 2 | $ 666,000 | $ 333,000 | $ 133,000 |
| Somerset County Pennsylvania | 2 | $ 376,000 | $ 188,000 | $ 62,000 |
| Sullivan County Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 225,000 |
| Beaufort County South Carolina | 2 | $ 454,000 | $ 227,000 | $ 118,000 |
| Cherokee County South Carolina | 2 | $ 337,000 | $ 168,000 | $ 66,000 |
| Fairfield County South Carolina | 2 | $ 298,000 | $ 149,000 | $ 57,000 |
| Laurens County South Carolina | 2 | $ 386,000 | $ 193,000 | $ 70,000 |
| Lexington County South Carolina | 2 | $ 578,000 | $ 289,000 | $ 124,000 |
| Sumter County South Carolina | 2 | $ 424,000 | $ 212,000 | $ 91,000 |
| Hamilton County Tennessee | 2 | $ 342,000 | $ 171,000 | $ 60,000 |
| Amelia County Virginia | 2 | $ 398,000 | $ 199,000 | $ 74,000 |
| Bath County Virginia | 2 | $ 272,000 | $ 136,000 | $ 140,000 |
| Franklin County Virginia | 2 | $ 266,000 | $ 133,000 | $ 47,000 |
| Giles County Virginia | 2 | $ 311,000 | $ 155,000 | $ 51,000 |
| Loudoun County Virginia | 2 | $ 400,000 | $ 200,000 | $ 54,000 |
| Madison County Virginia | 2 | $ 513,000 | $ 256,000 | $ 86,000 |
| Mecklenburg County Virginia | 2 | $ 274,000 | $ 137,000 | $ 73,000 |
| Montgomery County Virginia | 2 | $ 261,000 | $ 130,000 | $ 52,000 |
| New Kent County Virginia | 2 | $ 580,000 | $ 290,000 | $ 86,000 |
| Orange County Virginia | 2 | $ 422,000 | $ 211,000 | $ 122,000 |
| Pittsylvania County Virginia | 2 | $ 295,000 | $ 147,000 | $ 73,000 |
| Powhatan County Virginia | 2 | $ 367,000 | $ 183,000 | $ 68,000 |
| Prince William County Virginia | 2 | $ 317,000 | $ 158,000 | $ 125,000 |
| Surry County Virginia | 2 | $ 336,000 | $ 168,000 | $ 47,000 |
| Berkeley County West Virginia | 2 | $ 492,000 | $ 246,000 | $ 90,000 |
| Hardy County West Virginia | 2 | $ 230,000 | $ 115,000 | $ 375,000 |
| Monongalia County West Virginia | 2 | $ 534,000 | $ 267,000 | $ 101,000 |
| Baldwin County Alabama | 1 | $ 152,000 | $ 152,000 | $ 33,000 |
| Jefferson County Alabama | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Lee County Alabama | 1 | $ 182,000 | $ 182,000 | $ 67,000 |
| Mobile County Alabama | 1 | $ 132,000 | $ 132,000 | $ 52,000 |
| Montgomery County Alabama | 1 | $ 171,000 | $ 171,000 | $ 64,000 |
| Park County Colorado | 1 | $ 220,000 | $ 220,000 | $ 117,000 |
| Summit County Colorado | 1 | $ 318,000 | $ 318,000 | $ 38,000 |
| Fairfield County Connecticut | 1 | $ 408,000 | $ 408,000 | $ 102,000 |
| Tolland County Connecticut | 1 | $ 130,000 | $ 130,000 | $ 125,000 |
| Hernando County Florida | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Hillsborough County Florida | 1 | $ 293,000 | $ 293,000 | $ 222,000 |
| Pasco County Florida | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| St. Johns County Florida | 1 | $ 323,000 | $ 323,000 | $ 130,000 |
| Walton County Florida | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Catoosa County Georgia | 1 | $ 284,000 | $ 284,000 | $ 97,000 |
| Chattooga County Georgia | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Cherokee County Georgia | 1 | $ 250,000 | $ 250,000 | $ 117,000 |
| Decatur County Georgia | 1 | $ 259,000 | $ 259,000 | $ 52,000 |
| Douglas County Georgia | 1 | $ 129,000 | $ 129,000 | $ 58,000 |
| Jones County Georgia | 1 | $ 141,000 | $ 141,000 | $ 144,000 |
| Lamar County Georgia | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Monroe County Georgia | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Pickens County Georgia | 1 | $ 183,000 | $ 183,000 | $ 127,000 |
| Polk County Georgia | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Putnam County Georgia | 1 | $ 323,000 | $ 323,000 | $ 240,000 |
| Walton County Georgia | 1 | $ 239,000 | $ 239,000 | $ 93,000 |
| Wayne County Georgia | 1 | $ 74,000 | $ 74,000 | $ 65,000 |
| White County Georgia | 1 | $ 188,000 | $ 188,000 | $ 80,000 |
| Madison County Illinois | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Marshall County Illinois | 1 | $ 194,000 | $ 194,000 | $ 85,000 |
| Vermilion County Illinois | 1 | $ 120,000 | $ 120,000 | $ 68,000 |
| Adams County Indiana | 1 | $ 226,000 | $ 226,000 | $ 80,000 |
| Crawford County Indiana | 1 | $ 149,000 | $ 149,000 | $ 51,000 |
| DeKalb County Indiana | 1 | $ 126,000 | $ 126,000 | $ 73,000 |
| Harrison County Indiana | 1 | $ 375,000 | $ 375,000 | $ 176,000 |
| LaGrange County Indiana | 1 | $ 173,000 | $ 173,000 | $ 115,000 |
| Lake County Indiana | 1 | $ 257,000 | $ 257,000 | $ 72,000 |
| Marion County Indiana | 1 | $ 300,000 | $ 300,000 | $ 99,000 |
| Morgan County Indiana | 1 | $ 211,000 | $ 211,000 | $ 38,000 |
| Owen County Indiana | 1 | $ 228,000 | $ 228,000 | $ 88,000 |
| Shelby County Indiana | 1 | $ 328,000 | $ 328,000 | $ 83,000 |
| Adair County Kentucky | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Bell County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 47,000 |
| Franklin County Kentucky | 1 | $ 334,000 | $ 334,000 | $ 147,000 |
| Grayson County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Hancock County Kentucky | 1 | $ 220,000 | $ 220,000 | $ 144,000 |
| Harrison County Kentucky | 1 | $ 276,000 | $ 276,000 | $ 113,000 |
| Henderson County Kentucky | 1 | $ 170,000 | $ 170,000 | $ 77,000 |
| Jessamine County Kentucky | 1 | $ 214,000 | $ 214,000 | $ 71,000 |
| Laurel County Kentucky | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Lewis County Kentucky | 1 | $ 147,000 | $ 147,000 | $ 133,000 |
| Oldham County Kentucky | 1 | $ 600,000 | $ 600,000 | $ 66,000 |
| Cumberland County Maine | 1 | $ 206,000 | $ 206,000 | $ 64,000 |
| Kennebec County Maine | 1 | $ 230,000 | $ 230,000 | $ 125,000 |
| Allegany County Maryland | 1 | $ 229,000 | $ 229,000 | $ 36,000 |
| Caroline County Maryland | 1 | $ 175,000 | $ 175,000 | $ 108,000 |
| Charles County Maryland | 1 | $ 280,000 | $ 280,000 | $ 74,000 |
| St. Mary's County Maryland | 1 | $ 650,000 | $ 650,000 | $ 251,000 |
| Kent County Michigan | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Muskegon County Michigan | 1 | $ 145,000 | $ 145,000 | $ 27,000 |
| Carroll County Mississippi | 1 | $ 126,000 | $ 126,000 | $ 72,000 |
| Clarke County Mississippi | 1 | $ 118,000 | $ 118,000 | $ 51,000 |
| Harrison County Mississippi | 1 | $ 168,000 | $ 168,000 | $ 78,000 |
| Hinds County Mississippi | 1 | $ 107,000 | $ 107,000 | $ 38,000 |
| Jones County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 91,000 |
| Leake County Mississippi | 1 | $ 137,000 | $ 137,000 | $ 143,000 |
| Lincoln County Mississippi | 1 | $ 139,000 | $ 139,000 | $ 70,000 |
| Montgomery County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Newton County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Pike County Mississippi | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Scott County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Warren County Mississippi | 1 | $ 266,000 | $ 266,000 | $ 90,000 |
| Middlesex County New Jersey | 1 | $ 252,000 | $ 252,000 | $ 85,000 |
| Monmouth County New Jersey | 1 | $ 190,000 | $ 190,000 | $ 137,000 |
| Salem County New Jersey | 1 | $ 190,000 | $ 190,000 | $ 61,000 |
| Somerset County New Jersey | 1 | $ 430,000 | $ 430,000 | $ 85,000 |
| Cattaraugus County New York | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Chenango County New York | 1 | $ 160,000 | $ 160,000 | $ 83,000 |
| Dutchess County New York | 1 | $ 170,000 | $ 170,000 | $ 48,000 |
| Monroe County New York | 1 | $ 275,000 | $ 275,000 | $ 94,000 |
| Oswego County New York | 1 | $ 125,000 | $ 125,000 | $ 189,000 |
| Rensselaer County New York | 1 | $ 316,000 | $ 316,000 | $ 113,000 |
| Tioga County New York | 1 | $ 240,000 | $ 240,000 | $ 66,000 |
| Ulster County New York | 1 | $ 290,000 | $ 290,000 | $ 58,000 |
| Brunswick County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Cabarrus County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 108,000 |
| Caldwell County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 72,000 |
| Cherokee County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Cleveland County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 83,000 |
| Craven County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
| Davidson County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 37,000 |
| Franklin County North Carolina | 1 | $ 279,000 | $ 279,000 | $ 75,000 |
| Gaston County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Graham County North Carolina | 1 | $ 334,000 | $ 334,000 | $ 92,000 |
| Guilford County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 52,000 |
| Johnston County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Perquimans County North Carolina | 1 | $ 254,000 | $ 254,000 | $ 120,000 |
| Polk County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 83,000 |
| Randolph County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Stokes County North Carolina | 1 | $ 92,000 | $ 92,000 | $ 81,000 |
| Transylvania County North Carolina | 1 | $ 66,000 | $ 66,000 | $ 16,000 |
| Union County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Wilkes County North Carolina | 1 | $ 334,000 | $ 334,000 | $ 76,000 |
| Athens County Ohio | 1 | $ 323,000 | $ 323,000 | $ 200,000 |
| Fairfield County Ohio | 1 | $ 322,000 | $ 322,000 | $ 96,000 |
| Highland County Ohio | 1 | $ 258,000 | $ 258,000 | $ 75,000 |
| Knox County Ohio | 1 | $ 194,000 | $ 194,000 | $ 83,000 |
| Licking County Ohio | 1 | $ 136,000 | $ 136,000 | $ 52,000 |
| Madison County Ohio | 1 | $ 304,000 | $ 304,000 | $ 97,000 |
| Mercer County Ohio | 1 | $ 156,000 | $ 156,000 | $ 45,000 |
| Miami County Ohio | 1 | $ 180,000 | $ 180,000 | $ 54,000 |
| Seneca County Ohio | 1 | $ 148,000 | $ 148,000 | $ 51,000 |
| Armstrong County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 84,000 |
| Clarion County Pennsylvania | 1 | $ 166,000 | $ 166,000 | $ 120,000 |
| Clearfield County Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 46,000 |
| Clinton County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 45,000 |
| Crawford County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Erie County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 72,000 |
| Mifflin County Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 40,000 |
| Susquehanna County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Wyoming County Pennsylvania | 1 | $ 199,000 | $ 199,000 | $ 40,000 |
| Aiken County South Carolina | 1 | $ 279,000 | $ 279,000 | $ 76,000 |
| Barnwell County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 43,000 |
| Chesterfield County South Carolina | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Darlington County South Carolina | 1 | $ 189,000 | $ 189,000 | $ 70,000 |
| Edgefield County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 119,000 |
| Kershaw County South Carolina | 1 | $ 182,000 | $ 182,000 | $ 78,000 |
| Lee County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 98,000 |
| Oconee County South Carolina | 1 | $ 146,000 | $ 146,000 | $ 73,000 |
| Orangeburg County South Carolina | 1 | $ 388,000 | $ 388,000 | $ 176,000 |
| Pickens County South Carolina | 1 | $ 173,000 | $ 173,000 | $ 64,000 |
| Spartanburg County South Carolina | 1 | $ 261,000 | $ 261,000 | $ 79,000 |
| Williamsburg County South Carolina | 1 | $ 176,000 | $ 176,000 | $ 47,000 |
| Claiborne County Tennessee | 1 | $ 308,000 | $ 308,000 | $ 146,000 |
| DeKalb County Tennessee | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| Giles County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 92,000 |
| Greene County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 136,000 |
| Marion County Tennessee | 1 | $ 242,000 | $ 242,000 | $ 93,000 |
| Meigs County Tennessee | 1 | $ 198,000 | $ 198,000 | $ 102,000 |
| Sevier County Tennessee | 1 | $ 152,000 | $ 152,000 | $ 120,000 |
| Wilson County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 49,000 |
| Bennington County Vermont | 1 | $ 124,000 | $ 124,000 | $ 200,000 |
| Rutland County Vermont | 1 | $ 250,000 | $ 250,000 | $ 238,000 |
| Accomack County Virginia | 1 | $ 200,000 | $ 200,000 | $ 119,000 |
| Caroline County Virginia | 1 | $ 304,000 | $ 304,000 | $ 97,000 |
| Carroll County Virginia | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Chesterfield County Virginia | 1 | $ 190,000 | $ 190,000 | $ 111,000 |
| Culpeper County Virginia | 1 | $ 317,000 | $ 317,000 | $ 123,000 |
| Floyd County Virginia | 1 | $ 512,000 | $ 512,000 | $ 100,000 |
| Fluvanna County Virginia | 1 | $ 212,000 | $ 212,000 | $ 116,000 |
| Grayson County Virginia | 1 | $ 204,000 | $ 204,000 | $ 84,000 |
| Halifax County Virginia | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Hampton County Virginia | 1 | $ 68,000 | $ 68,000 | $ 42,000 |
| Hanover County Virginia | 1 | $ 163,000 | $ 163,000 | $ 34,000 |
| Louisa County Virginia | 1 | $ 427,000 | $ 427,000 | $ 231,000 |
| Lunenburg County Virginia | 1 | $ 289,000 | $ 289,000 | $ 82,000 |
| Patrick County Virginia | 1 | $ 159,000 | $ 159,000 | $ 51,000 |
| Rockbridge County Virginia | 1 | $ 158,000 | $ 158,000 | $ 62,000 |
| Rockingham County Virginia | 1 | $ 275,000 | $ 275,000 | $ 230,000 |
| Shenandoah County Virginia | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Suffolk County Virginia | 1 | $ 214,000 | $ 214,000 | $ 77,000 |
| Tazewell County Virginia | 1 | $ 280,000 | $ 280,000 | $ 138,000 |
| Wythe County Virginia | 1 | $ 132,000 | $ 132,000 | $ 41,000 |
| Braxton County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 56,000 |
| Mason County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 21,000 |
| Mineral County West Virginia | 1 | $ 114,000 | $ 114,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for American Home Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,950 | $332,577,000 | $204,458 | $650,000 | $92,625 | $1,017,000 |
| Refinancing | 381 | $63,410,000 | $209,384 | $524,000 | $107,461 | $1,683,000 |
| Home Improvement | 14 | $1,792,000 | $128,000 | $275,000 | $85,000 | $189,000 |
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 | 2,169 | $364,710,000 | $199,086 | $650,000 | $96,086 | $1,683,000 |
| Black or African American | 62 | $12,403,000 | $197,333 | $648,000 | $81,111 | $234,000 |
| Not Provided | 46 | $9,628,000 | $219,250 | $369,000 | $87,000 | $245,000 |
| Asian | 42 | $7,191,000 | $186,333 | $334,000 | $97,666 | $254,000 |
| Hispanic | 22 | $3,163,000 | $193,500 | $371,000 | $61,625 | $318,000 |
| American Indian or Alaskan Native | 3 | $554,000 | $184,666 | $308,000 | $74,666 | $146,000 |
| Not applicable | 1 | $130,000 | $130,000 | $130,000 | $47,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 2,345 | $397,779,000 | $202,416 | $650,000 | $94,750 | $1,683,000 |
| 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 | 1,956 | $324,007,000 | $199,333 | $648,000 | $97,666 | $1,683,000 |
| Application Approved But Not Accepted | 262 | $49,348,000 | $208,952 | $650,000 | $98,571 | $327,000 |
| Application Denied By Financial Institution | 115 | $21,921,000 | $215,352 | $600,000 | $101,823 | $376,000 |
| Application Withdrawn By Applicant | 11 | $2,407,000 | $227,400 | $397,000 | $89,600 | $232,000 |
| File Closed For Incompleteness | 1 | $96,000 | $96,000 | $96,000 | $23,000 | $23,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 48 | $7,783,000 | $179,636 | $430,000 | $59,727 | $228,000 |
| Debt-To-Income Ratio | 46 | $10,319,000 | $301,153 | $600,000 | $69,692 | $148,000 |
| Collateral | 13 | $2,828,000 | $236,857 | $421,000 | $198,857 | $376,000 |
| Other | 3 | $376,000 | $126,500 | $175,000 | $101,500 | $125,000 |
| Unverifiable Information | 2 | $223,000 | $111,000 | $125,000 | $50,000 | $55,000 |
| Employment History | 2 | $232,000 | $116,000 | $132,000 | $41,500 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $160,000 | $160,000 | $160,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Bank'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 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.