American Home Bank Mortgage Lending & HMDA Data, 2005
In 2005, American Home Bank of Mountville, PA reported 3,245 mortgage applications totaling $608.6 million, up 38% from 2004. The average application was for $187,536, and applicants reported an average income of $103,801. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Lancaster, PA (566), Harrisburg-Carlisle, PA (397) and York-Hanover, PA (281) (applications in parentheses).
| 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 | 3,245 |
| Total Mortgage Loan Application Amount | $608,557,000 |
| Average Mortgage Loan Application Amount | $187,536 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $103,801 |
| Highest Applicant Income | $9,367,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Home Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster, Pennsylvania | 566 | $ 87,806,000 | $ 155,134 | $ 74,000 |
| Sussex, Delaware | 310 | $ 62,654,000 | $ 202,109 | $ 106,000 |
| York, Pennsylvania | 281 | $ 50,510,000 | $ 179,750 | $ 69,000 |
| Cumberland, Pennsylvania | 263 | $ 42,254,000 | $ 160,661 | $ 74,000 |
| Berks, Pennsylvania | 142 | $ 24,263,000 | $ 170,866 | $ 135,000 |
| Harford, Maryland | 122 | $ 28,486,000 | $ 233,491 | $ 102,000 |
| Kent, Delaware | 113 | $ 17,111,000 | $ 151,424 | $ 77,000 |
| Dauphin, Pennsylvania | 113 | $ 16,791,000 | $ 148,592 | $ 70,000 |
| New Castle, Delaware | 87 | $ 19,174,000 | $ 220,390 | $ 95,000 |
| Cecil, Maryland | 71 | $ 13,550,000 | $ 190,845 | $ 87,000 |
| Wicomico, Maryland | 70 | $ 9,780,000 | $ 139,714 | $ 78,000 |
| Lebanon, Pennsylvania | 68 | $ 11,415,000 | $ 167,867 | $ 84,000 |
| Union, Pennsylvania | 53 | $ 8,772,000 | $ 165,509 | $ 81,000 |
| Chester, Pennsylvania | 44 | $ 9,930,000 | $ 225,681 | $ 96,000 |
| Schuylkill, Pennsylvania | 32 | $ 4,604,000 | $ 143,875 | $ 72,000 |
| Lee, Florida | 29 | $ 8,091,000 | $ 279,000 | $ 134,000 |
| Northumberland, Pennsylvania | 28 | $ 4,008,000 | $ 143,142 | $ 70,000 |
| Dorchester, Maryland | 24 | $ 3,377,000 | $ 140,708 | $ 1,036,000 |
| Berkeley, West Virginia | 24 | $ 5,970,000 | $ 248,750 | $ 89,000 |
| Adams, Pennsylvania | 22 | $ 2,975,000 | $ 135,227 | $ 48,000 |
| Perry, Pennsylvania | 21 | $ 4,162,000 | $ 198,190 | $ 76,000 |
| Allegheny, Pennsylvania | 18 | $ 4,032,000 | $ 224,000 | $ 88,000 |
| Montgomery, Pennsylvania | 16 | $ 4,460,000 | $ 278,750 | $ 129,000 |
| Snyder, Pennsylvania | 14 | $ 2,326,000 | $ 166,142 | $ 72,000 |
| Prince George's, Maryland | 13 | $ 3,633,000 | $ 279,461 | $ 128,000 |
| Mohave, Arizona | 12 | $ 2,792,000 | $ 232,666 | $ 256,000 |
| Frederick, Maryland | 12 | $ 2,706,000 | $ 225,500 | $ 69,000 |
| Delaware, Pennsylvania | 12 | $ 2,323,000 | $ 193,583 | $ 90,000 |
| Columbia, Pennsylvania | 11 | $ 2,207,000 | $ 200,636 | $ 74,000 |
| Franklin, Pennsylvania | 11 | $ 2,001,000 | $ 181,909 | $ 64,000 |
| Peoria, Illinois | 10 | $ 1,490,000 | $ 149,000 | $ 90,000 |
| Anne Arundel, Maryland | 9 | $ 1,867,000 | $ 207,444 | $ 96,000 |
| Baltimore, Maryland | 9 | $ 1,939,000 | $ 215,444 | $ 860,000 |
| Richland, South Carolina | 8 | $ 2,277,000 | $ 284,625 | $ 99,000 |
| Lehigh, Pennsylvania | 7 | $ 1,629,000 | $ 232,714 | $ 69,000 |
| Lycoming, Pennsylvania | 7 | $ 1,337,000 | $ 191,000 | $ 68,000 |
| Washington, Pennsylvania | 7 | $ 2,124,000 | $ 303,428 | $ 189,000 |
| Sangamon, Illinois | 6 | $ 462,000 | $ 77,000 | $ 50,000 |
| Luzerne, Pennsylvania | 6 | $ 1,031,000 | $ 171,833 | $ 106,000 |
| Pike, Pennsylvania | 6 | $ 1,066,000 | $ 177,666 | $ 60,000 |
| Westmoreland, Pennsylvania | 6 | $ 920,000 | $ 153,333 | $ 57,000 |
| Windsor, Vermont | 6 | $ 1,374,000 | $ 229,000 | $ 236,000 |
| Louisa, Virginia | 6 | $ 1,341,000 | $ 223,500 | $ 83,000 |
| Charlotte, Florida | 5 | $ 808,000 | $ 161,600 | $ 133,000 |
| Champaign, Illinois | 5 | $ 614,000 | $ 122,800 | $ 53,000 |
| York, Maine | 5 | $ 1,067,000 | $ 213,400 | $ 72,000 |
| Baltimore City, Maryland | 5 | $ 766,000 | $ 153,200 | $ 73,000 |
| Yates, New York | 5 | $ 1,216,000 | $ 243,200 | $ 275,000 |
| Beaver, Pennsylvania | 5 | $ 954,000 | $ 190,800 | $ 78,000 |
| Bucks, Pennsylvania | 5 | $ 1,918,000 | $ 383,600 | $ 121,000 |
| Clinton, Pennsylvania | 5 | $ 586,000 | $ 117,200 | $ 69,000 |
| Lackawanna, Pennsylvania | 5 | $ 776,000 | $ 155,200 | $ 76,000 |
| Philadelphia, Pennsylvania | 5 | $ 628,000 | $ 125,600 | $ 54,000 |
| Greenville, South Carolina | 5 | $ 1,146,000 | $ 229,200 | $ 86,000 |
| Pinellas, Florida | 4 | $ 637,000 | $ 159,250 | $ 130,000 |
| Charles, Maryland | 4 | $ 866,000 | $ 216,500 | $ 103,000 |
| Worcester, Maryland | 4 | $ 1,561,000 | $ 390,250 | $ 196,000 |
| Genesee, Michigan | 4 | $ 1,321,000 | $ 330,250 | $ 342,000 |
| Dutchess, New York | 4 | $ 1,037,000 | $ 259,250 | $ 98,000 |
| Catawba, North Carolina | 4 | $ 815,000 | $ 203,750 | $ 80,000 |
| Pitt, North Carolina | 4 | $ 627,000 | $ 156,750 | $ 53,000 |
| Rutherford, North Carolina | 4 | $ 901,000 | $ 225,250 | $ 120,000 |
| Wake, North Carolina | 4 | $ 534,000 | $ 133,500 | $ 75,000 |
| Huntingdon, Pennsylvania | 4 | $ 538,000 | $ 134,500 | $ 87,000 |
| Spartanburg, South Carolina | 4 | $ 630,000 | $ 157,500 | $ 62,000 |
| Hartford, Connecticut | 3 | $ 900,000 | $ 300,000 | $ 126,000 |
| New London, Connecticut | 3 | $ 690,000 | $ 230,000 | $ 108,000 |
| District of Columbia, District Of Columbia | 3 | $ 1,929,000 | $ 643,000 | $ 183,000 |
| Manatee, Florida | 3 | $ 998,000 | $ 332,666 | $ 173,000 |
| Tazewell, Illinois | 3 | $ 263,000 | $ 87,666 | $ 46,000 |
| Vermilion, Illinois | 3 | $ 258,000 | $ 86,000 | $ 71,000 |
| Woodford, Illinois | 3 | $ 224,000 | $ 74,666 | $ 32,000 |
| Allen, Indiana | 3 | $ 667,000 | $ 222,333 | $ 46,000 |
| Johnson, Kansas | 3 | $ 1,369,000 | $ 456,333 | $ 180,000 |
| Bullitt, Kentucky | 3 | $ 788,000 | $ 262,666 | $ 106,000 |
| Oldham, Kentucky | 3 | $ 807,000 | $ 269,000 | $ 120,000 |
| Shelby, Kentucky | 3 | $ 743,000 | $ 247,666 | $ 117,000 |
| Oxford, Maine | 3 | $ 523,000 | $ 174,333 | $ 113,000 |
| Clinton, New York | 3 | $ 596,000 | $ 198,666 | $ 77,000 |
| Monroe, New York | 3 | $ 228,000 | $ 76,000 | $ 120,000 |
| Rensselaer, New York | 3 | $ 419,000 | $ 139,666 | $ 69,000 |
| Sullivan, New York | 3 | $ 677,000 | $ 225,666 | $ 104,000 |
| Haywood, North Carolina | 3 | $ 655,000 | $ 218,333 | $ 94,000 |
| McDowell, North Carolina | 3 | $ 542,000 | $ 180,666 | $ 181,000 |
| Hardin, Ohio | 3 | $ 583,000 | $ 194,333 | $ 120,000 |
| Knox, Ohio | 3 | $ 705,000 | $ 235,000 | $ 81,000 |
| Licking, Ohio | 3 | $ 606,000 | $ 202,000 | $ 99,000 |
| Monroe, Pennsylvania | 3 | $ 739,000 | $ 246,333 | $ 83,000 |
| Montour, Pennsylvania | 3 | $ 530,000 | $ 176,666 | $ 58,000 |
| Northampton, Pennsylvania | 3 | $ 856,000 | $ 285,333 | $ 96,000 |
| Somerset, Pennsylvania | 3 | $ 870,000 | $ 290,000 | $ 258,000 |
| Wayne, Pennsylvania | 3 | $ 651,000 | $ 217,000 | $ 66,000 |
| Charleston, South Carolina | 3 | $ 633,000 | $ 211,000 | $ 133,000 |
| Cherokee, South Carolina | 3 | $ 743,000 | $ 247,666 | $ 90,000 |
| Horry, South Carolina | 3 | $ 516,000 | $ 172,000 | $ 60,000 |
| Lexington, South Carolina | 3 | $ 752,000 | $ 250,666 | $ 90,000 |
| Fairfax, Virginia | 3 | $ 1,299,000 | $ 433,000 | $ 58,000 |
| Montgomery, Virginia | 3 | $ 666,000 | $ 222,000 | $ 64,000 |
| Powhatan, Virginia | 3 | $ 555,000 | $ 185,000 | $ 74,000 |
| Spotsylvania, Virginia | 3 | $ 789,000 | $ 263,000 | $ 66,000 |
| Jefferson, Alabama | 2 | $ 434,000 | $ 217,000 | $ 103,000 |
| Fairfield, Connecticut | 2 | $ 1,270,000 | $ 635,000 | $ 208,000 |
| Litchfield, Connecticut | 2 | $ 490,000 | $ 245,000 | $ 70,000 |
| Hillsborough, Florida | 2 | $ 365,000 | $ 182,500 | $ 52,000 |
| St. Lucie, Florida | 2 | $ 481,000 | $ 240,500 | $ 79,000 |
| Fannin, Georgia | 2 | $ 352,000 | $ 176,000 | $ 82,000 |
| Kane, Illinois | 2 | $ 171,000 | $ 85,500 | $ 69,000 |
| Brown, Indiana | 2 | $ 357,000 | $ 178,500 | $ 115,000 |
| Floyd, Indiana | 2 | $ 508,000 | $ 254,000 | $ 52,000 |
| Noble, Indiana | 2 | $ 518,000 | $ 259,000 | $ 75,000 |
| Steuben, Indiana | 2 | $ 258,000 | $ 129,000 | $ 74,000 |
| Bell, Kentucky | 2 | $ 223,000 | $ 111,500 | $ 59,000 |
| Hardin, Kentucky | 2 | $ 223,000 | $ 111,500 | $ 60,000 |
| Spencer, Kentucky | 2 | $ 490,000 | $ 245,000 | $ 76,000 |
| Lincoln, Maine | 2 | $ 463,000 | $ 231,500 | $ 103,000 |
| Calvert, Maryland | 2 | $ 234,000 | $ 117,000 | $ 77,000 |
| Kent, Maryland | 2 | $ 1,169,000 | $ 584,500 | $ 152,000 |
| Belknap, New Hampshire | 2 | $ 419,000 | $ 209,500 | $ 69,000 |
| Atlantic, New Jersey | 2 | $ 560,000 | $ 280,000 | $ 106,000 |
| Burlington, New Jersey | 2 | $ 500,000 | $ 250,000 | $ 74,000 |
| Columbia, New York | 2 | $ 594,000 | $ 297,000 | $ 123,000 |
| Richmond, New York | 2 | $ 595,000 | $ 297,500 | $ 118,000 |
| Saratoga, New York | 2 | $ 379,000 | $ 189,500 | $ 66,000 |
| Avery, North Carolina | 2 | $ 418,000 | $ 209,000 | $ 122,000 |
| Buncombe, North Carolina | 2 | $ 613,000 | $ 306,500 | $ 210,000 |
| Burke, North Carolina | 2 | $ 448,000 | $ 224,000 | $ 73,000 |
| Guilford, North Carolina | 2 | $ 418,000 | $ 209,000 | $ 79,000 |
| Henderson, North Carolina | 2 | $ 383,000 | $ 191,500 | $ 77,000 |
| Macon, North Carolina | 2 | $ 564,000 | $ 282,000 | $ 207,000 |
| Mecklenburg, North Carolina | 2 | $ 490,000 | $ 245,000 | $ 192,000 |
| Swain, North Carolina | 2 | $ 634,000 | $ 317,000 | $ 154,000 |
| Union, North Carolina | 2 | $ 386,000 | $ 193,000 | $ 21,000 |
| Delaware, Ohio | 2 | $ 253,000 | $ 126,500 | $ 105,000 |
| Logan, Ohio | 2 | $ 605,000 | $ 302,500 | $ 99,000 |
| Lucas, Ohio | 2 | $ 418,000 | $ 209,000 | $ 64,000 |
| Miami, Ohio | 2 | $ 758,000 | $ 379,000 | $ 230,000 |
| Ottawa, Ohio | 2 | $ 371,000 | $ 185,500 | $ 75,000 |
| Preble, Ohio | 2 | $ 403,000 | $ 201,500 | $ 60,000 |
| Shelby, Ohio | 2 | $ 596,000 | $ 298,000 | $ 101,000 |
| Summit, Ohio | 2 | $ 215,000 | $ 107,500 | $ 62,000 |
| Washington, Ohio | 2 | $ 335,000 | $ 167,500 | $ 50,000 |
| Armstrong, Pennsylvania | 2 | $ 356,000 | $ 178,000 | $ 67,000 |
| Carbon, Pennsylvania | 2 | $ 423,000 | $ 211,500 | $ 52,000 |
| Fayette, Pennsylvania | 2 | $ 573,000 | $ 286,500 | $ 236,000 |
| Fulton, Pennsylvania | 2 | $ 341,000 | $ 170,500 | $ 23,000 |
| Mifflin, Pennsylvania | 2 | $ 179,000 | $ 89,500 | $ 62,000 |
| Tioga, Pennsylvania | 2 | $ 243,000 | $ 121,500 | $ 87,000 |
| Wyoming, Pennsylvania | 2 | $ 272,000 | $ 136,000 | $ 111,000 |
| Abbeville, South Carolina | 2 | $ 261,000 | $ 130,500 | $ 48,000 |
| Anderson, South Carolina | 2 | $ 373,000 | $ 186,500 | $ 68,000 |
| Monroe, Tennessee | 2 | $ 98,000 | $ 49,000 | $ 102,000 |
| Bennington, Vermont | 2 | $ 247,000 | $ 123,500 | $ 200,000 |
| Rutland, Vermont | 2 | $ 583,000 | $ 291,500 | $ 222,000 |
| Amherst, Virginia | 2 | $ 447,000 | $ 223,500 | $ 116,000 |
| Floyd, Virginia | 2 | $ 462,000 | $ 231,000 | $ 181,000 |
| Franklin, Virginia | 2 | $ 497,000 | $ 248,500 | $ 75,000 |
| New Kent, Virginia | 2 | $ 431,000 | $ 215,500 | $ 79,000 |
| Shenandoah, Virginia | 2 | $ 694,000 | $ 347,000 | $ 83,000 |
| Hardy, West Virginia | 2 | $ 514,000 | $ 257,000 | $ 87,000 |
| Preston, West Virginia | 2 | $ 210,000 | $ 105,000 | $ 49,000 |
| Autauga, Alabama | 1 | $ 188,000 | $ 188,000 | $ 75,000 |
| Bibb, Alabama | 1 | $ 124,000 | $ 124,000 | $ 50,000 |
| Blount, Alabama | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Coosa, Alabama | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Franklin, Alabama | 1 | $ 143,000 | $ 143,000 | $ 75,000 |
| Henry, Alabama | 1 | $ 126,000 | $ 126,000 | $ 65,000 |
| Mobile, Alabama | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Pickens, Alabama | 1 | $ 176,000 | $ 176,000 | $ 51,000 |
| Randolph, Alabama | 1 | $ 79,000 | $ 79,000 | $ 134,000 |
| Shelby, Alabama | 1 | $ 144,000 | $ 144,000 | $ 51,000 |
| Tuscaloosa, Alabama | 1 | $ 133,000 | $ 133,000 | $ 45,000 |
| Garfield, Colorado | 1 | $ 429,000 | $ 429,000 | $ 111,000 |
| Park, Colorado | 1 | $ 113,000 | $ 113,000 | $ 113,000 |
| Pueblo, Colorado | 1 | $ 403,000 | $ 403,000 | $ 139,000 |
| Middlesex, Connecticut | 1 | $ 250,000 | $ 250,000 | $ 55,000 |
| Alachua, Florida | 1 | $ 295,000 | $ 295,000 | $ 98,000 |
| Flagler, Florida | 1 | $ 360,000 | $ 360,000 | $ 100,000 |
| Gilchrist, Florida | 1 | $ 280,000 | $ 280,000 | $ 115,000 |
| Lake, Florida | 1 | $ 334,000 | $ 334,000 | $ 99,000 |
| Marion, Florida | 1 | $ 76,000 | $ 76,000 | $ 54,000 |
| Miami-Dade, Florida | 1 | $ 359,000 | $ 359,000 | $ 235,000 |
| Orange, Florida | 1 | $ 322,000 | $ 322,000 | $ 182,000 |
| Osceola, Florida | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Palm Beach, Florida | 1 | $ 250,000 | $ 250,000 | $ 115,000 |
| Polk, Florida | 1 | $ 161,000 | $ 161,000 | $ 42,000 |
| St. Johns, Florida | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Baldwin, Georgia | 1 | $ 352,000 | $ 352,000 | $ 82,000 |
| Carroll, Georgia | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Coweta, Georgia | 1 | $ 306,000 | $ 306,000 | $ 58,000 |
| Crisp, Georgia | 1 | $ 285,000 | $ 285,000 | $ 141,000 |
| DeKalb, Georgia | 1 | $ 1,000,000 | $ 1,000,000 | $ 245,000 |
| Forsyth, Georgia | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Franklin, Georgia | 1 | $ 171,000 | $ 171,000 | $ 59,000 |
| Gwinnett, Georgia | 1 | $ 164,000 | $ 164,000 | $ 120,000 |
| Houston, Georgia | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Jasper, Georgia | 1 | $ 223,000 | $ 223,000 | $ 84,000 |
| Jones, Georgia | 1 | $ 257,000 | $ 257,000 | $ 93,000 |
| Morgan, Georgia | 1 | $ 360,000 | $ 360,000 | $ 108,000 |
| Rockdale, Georgia | 1 | $ 356,000 | $ 356,000 | $ 103,000 |
| Walker, Georgia | 1 | $ 320,000 | $ 320,000 | $ 117,000 |
| De Witt, Illinois | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Menard, Illinois | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Piatt, Illinois | 1 | $ 312,000 | $ 312,000 | $ 62,000 |
| Crawford, Indiana | 1 | $ 266,000 | $ 266,000 | $ 75,000 |
| Dearborn, Indiana | 1 | $ 286,000 | $ 286,000 | $ 43,000 |
| Decatur, Indiana | 1 | $ 309,000 | $ 309,000 | $ 83,000 |
| DeKalb, Indiana | 1 | $ 218,000 | $ 218,000 | $ 59,000 |
| Elkhart, Indiana | 1 | $ 159,000 | $ 159,000 | $ 22,000 |
| Grant, Indiana | 1 | $ 207,000 | $ 207,000 | $ 91,000 |
| Hamilton, Indiana | 1 | $ 700,000 | $ 700,000 | $ 200,000 |
| Jasper, Indiana | 1 | $ 333,000 | $ 333,000 | $ 120,000 |
| Lake, Indiana | 1 | $ 334,000 | $ 334,000 | $ 122,000 |
| LaPorte, Indiana | 1 | $ 317,000 | $ 317,000 | $ 89,000 |
| Lawrence, Indiana | 1 | $ 280,000 | $ 280,000 | $ 38,000 |
| Morgan, Indiana | 1 | $ 380,000 | $ 380,000 | $ 274,000 |
| Newton, Indiana | 1 | $ 140,000 | $ 140,000 | $ 90,000 |
| Orange, Indiana | 1 | $ 86,000 | $ 86,000 | $ 176,000 |
| Switzerland, Indiana | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Vanderburgh, Indiana | 1 | $ 270,000 | $ 270,000 | $ 106,000 |
| Whitley, Indiana | 1 | $ 111,000 | $ 111,000 | $ 70,000 |
| Breckinridge, Kentucky | 1 | $ 141,000 | $ 141,000 | $ 67,000 |
| Campbell, Kentucky | 1 | $ 214,000 | $ 214,000 | $ 42,000 |
| Clark, Kentucky | 1 | $ 301,000 | $ 301,000 | $ 85,000 |
| Daviess, Kentucky | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Franklin, Kentucky | 1 | $ 334,000 | $ 334,000 | $ 138,000 |
| Jefferson, Kentucky | 1 | $ 453,000 | $ 453,000 | $ 105,000 |
| Jessamine, Kentucky | 1 | $ 353,000 | $ 353,000 | $ 130,000 |
| Laurel, Kentucky | 1 | $ 190,000 | $ 190,000 | $ 76,000 |
| Lewis, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 56,000 |
| Marion, Kentucky | 1 | $ 233,000 | $ 233,000 | $ 74,000 |
| Nicholas, Kentucky | 1 | $ 166,000 | $ 166,000 | $ 79,000 |
| Rowan, Kentucky | 1 | $ 236,000 | $ 236,000 | $ 131,000 |
| Wayne, Kentucky | 1 | $ 124,000 | $ 124,000 | $ 51,000 |
| Cumberland, Maine | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Hancock, Maine | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Penobscot, Maine | 1 | $ 168,000 | $ 168,000 | $ 56,000 |
| Washington, Maine | 1 | $ 125,000 | $ 125,000 | $ 128,000 |
| Caroline, Maryland | 1 | $ 182,000 | $ 182,000 | $ 122,000 |
| Garrett, Maryland | 1 | $ 269,000 | $ 269,000 | $ 225,000 |
| Montgomery, Maryland | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| St. Mary's, Maryland | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Washington, Maryland | 1 | $ 208,000 | $ 208,000 | $ 46,000 |
| Hampden, Massachusetts | 1 | $ 563,000 | $ 563,000 | $ 133,000 |
| Calhoun, Michigan | 1 | $ 97,000 | $ 97,000 | $ 48,000 |
| Charlevoix, Michigan | 1 | $ 360,000 | $ 360,000 | $ 120,000 |
| Jackson, Michigan | 1 | $ 140,000 | $ 140,000 | $ 23,000 |
| Midland, Michigan | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Wayne, Michigan | 1 | $ 178,000 | $ 178,000 | $ 57,000 |
| Rice, Minnesota | 1 | $ 960,000 | $ 960,000 | $ 333,000 |
| DeSoto, Mississippi | 1 | $ 209,000 | $ 209,000 | $ 88,000 |
| Hinds, Mississippi | 1 | $ 192,000 | $ 192,000 | $ 62,000 |
| Leake, Mississippi | 1 | $ 157,000 | $ 157,000 | $ 110,000 |
| Leflore, Mississippi | 1 | $ 121,000 | $ 121,000 | $ 43,000 |
| Rankin, Mississippi | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Scott, Mississippi | 1 | $ 130,000 | $ 130,000 | $ 52,000 |
| St. Louis, Missouri | 1 | $ 897,000 | $ 897,000 | $ 222,000 |
| Merrimack, New Hampshire | 1 | $ 280,000 | $ 280,000 | $ 99,000 |
| Camden, New Jersey | 1 | $ 186,000 | $ 186,000 | $ 31,000 |
| Cape May, New Jersey | 1 | $ 456,000 | $ 456,000 | $ 360,000 |
| Cumberland, New Jersey | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Gloucester, New Jersey | 1 | $ 96,000 | $ 96,000 | $ 52,000 |
| Monmouth, New Jersey | 1 | $ 695,000 | $ 695,000 | $ 170,000 |
| Morris, New Jersey | 1 | $ 720,000 | $ 720,000 | $ 168,000 |
| Salem, New Jersey | 1 | $ 360,000 | $ 360,000 | $ 95,000 |
| Sussex, New Jersey | 1 | $ 237,000 | $ 237,000 | $ 48,000 |
| Colfax, New Mexico | 1 | $ 260,000 | $ 260,000 | $ 130,000 |
| Chemung, New York | 1 | $ 206,000 | $ 206,000 | $ 60,000 |
| Delaware, New York | 1 | $ 320,000 | $ 320,000 | $ 75,000 |
| Erie, New York | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Essex, New York | 1 | $ 175,000 | $ 175,000 | $ 199,000 |
| Livingston, New York | 1 | $ 233,000 | $ 233,000 | $ 73,000 |
| Madison, New York | 1 | $ 170,000 | $ 170,000 | $ 58,000 |
| Montgomery, New York | 1 | $ 219,000 | $ 219,000 | $ 70,000 |
| Orange, New York | 1 | $ 140,000 | $ 140,000 | $ 49,000 |
| Orleans, New York | 1 | $ 250,000 | $ 250,000 | $ 84,000 |
| Schenectady, New York | 1 | $ 152,000 | $ 152,000 | $ 43,000 |
| Schuyler, New York | 1 | $ 182,000 | $ 182,000 | $ 189,000 |
| St. Lawrence, New York | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| Ulster, New York | 1 | $ 162,000 | $ 162,000 | $ 52,000 |
| Westchester, New York | 1 | $ 1,500,000 | $ 1,500,000 | $ 449,000 |
| Wyoming, New York | 1 | $ 168,000 | $ 168,000 | $ 53,000 |
| Alamance, North Carolina | 1 | $ 323,000 | $ 323,000 | $ 88,000 |
| Ashe, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 124,000 |
| Camden, North Carolina | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Carteret, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Caswell, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 33,000 |
| Chatham, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 124,000 |
| Currituck, North Carolina | 1 | $ 360,000 | $ 360,000 | $ 317,000 |
| Davie, North Carolina | 1 | $ 174,000 | $ 174,000 | $ 44,000 |
| Durham, North Carolina | 1 | $ 219,000 | $ 219,000 | $ 45,000 |
| Gaston, North Carolina | 1 | $ 300,000 | $ 300,000 | $ 210,000 |
| Iredell, North Carolina | 1 | $ 284,000 | $ 284,000 | $ 121,000 |
| Johnston, North Carolina | 1 | $ 317,000 | $ 317,000 | $ 64,000 |
| Jones, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 93,000 |
| Lenoir, North Carolina | 1 | $ 147,000 | $ 147,000 | $ 70,000 |
| Lincoln, North Carolina | 1 | $ 166,000 | $ 166,000 | $ 71,000 |
| Madison, North Carolina | 1 | $ 312,000 | $ 312,000 | $ 150,000 |
| Nash, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Onslow, North Carolina | 1 | $ 137,000 | $ 137,000 | $ 40,000 |
| Polk, North Carolina | 1 | $ 182,000 | $ 182,000 | $ 71,000 |
| Randolph, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Rowan, North Carolina | 1 | $ 156,000 | $ 156,000 | $ 77,000 |
| Surry, North Carolina | 1 | $ 333,000 | $ 333,000 | $ 92,000 |
| Transylvania, North Carolina | 1 | $ 334,000 | $ 334,000 | $ 200,000 |
| Watauga, North Carolina | 1 | $ 129,000 | $ 129,000 | $ 40,000 |
| Ashtabula, Ohio | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Clermont, Ohio | 1 | $ 200,000 | $ 200,000 | $ 99,000 |
| Clinton, Ohio | 1 | $ 269,000 | $ 269,000 | $ 81,000 |
| Crawford, Ohio | 1 | $ 214,000 | $ 214,000 | $ 76,000 |
| Darke, Ohio | 1 | $ 177,000 | $ 177,000 | $ 39,000 |
| Fairfield, Ohio | 1 | $ 325,000 | $ 325,000 | $ 98,000 |
| Franklin, Ohio | 1 | $ 137,000 | $ 137,000 | $ 71,000 |
| Huron, Ohio | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Jefferson, Ohio | 1 | $ 264,000 | $ 264,000 | $ 78,000 |
| Medina, Ohio | 1 | $ 190,000 | $ 190,000 | $ 71,000 |
| Putnam, Ohio | 1 | $ 227,000 | $ 227,000 | $ 80,000 |
| Richland, Ohio | 1 | $ 167,000 | $ 167,000 | $ 57,000 |
| Ross, Ohio | 1 | $ 173,000 | $ 173,000 | $ 60,000 |
| Union, Ohio | 1 | $ 306,000 | $ 306,000 | $ 69,000 |
| Warren, Ohio | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
| Tulsa, Oklahoma | 1 | $ 246,000 | $ 246,000 | $ 809,000 |
| Bradford, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Butler, Pennsylvania | 1 | $ 229,000 | $ 229,000 | $ 58,000 |
| Cambria, Pennsylvania | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Cameron, Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 90,000 |
| Centre, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Clearfield, Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 73,000 |
| Elk, Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 44,000 |
| Greene, Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Juniata, Pennsylvania | 1 | $ 310,000 | $ 310,000 | $ 144,000 |
| Lawrence, Pennsylvania | 1 | $ 292,000 | $ 292,000 | $ 85,000 |
| Mercer, Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Aiken, South Carolina | 1 | $ 157,000 | $ 157,000 | $ 50,000 |
| Beaufort, South Carolina | 1 | $ 504,000 | $ 504,000 | $ 454,000 |
| Berkeley, South Carolina | 1 | $ 242,000 | $ 242,000 | $ 88,000 |
| Chester, South Carolina | 1 | $ 96,000 | $ 96,000 | $ 36,000 |
| Dillon, South Carolina | 1 | $ 184,000 | $ 184,000 | $ 40,000 |
| Fairfield, South Carolina | 1 | $ 219,000 | $ 219,000 | $ 54,000 |
| Florence, South Carolina | 1 | $ 190,000 | $ 190,000 | $ 54,000 |
| Greenwood, South Carolina | 1 | $ 159,000 | $ 159,000 | $ 75,000 |
| Kershaw, South Carolina | 1 | $ 137,000 | $ 137,000 | $ 66,000 |
| Laurens, South Carolina | 1 | $ 223,000 | $ 223,000 | $ 83,000 |
| Newberry, South Carolina | 1 | $ 288,000 | $ 288,000 | $ 125,000 |
| Oconee, South Carolina | 1 | $ 170,000 | $ 170,000 | $ 63,000 |
| Orangeburg, South Carolina | 1 | $ 239,000 | $ 239,000 | $ 65,000 |
| Pickens, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 71,000 |
| Sumter, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Williamsburg, South Carolina | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Blount, Tennessee | 1 | $ 219,000 | $ 219,000 | $ 91,000 |
| Hawkins, Tennessee | 1 | $ 350,000 | $ 350,000 | $ 178,000 |
| Henderson, Tennessee | 1 | $ 500,000 | $ 500,000 | $ 282,000 |
| Marion, Tennessee | 1 | $ 350,000 | $ 350,000 | $ 84,000 |
| Perry, Tennessee | 1 | $ 360,000 | $ 360,000 | $ 94,000 |
| Sevier, Tennessee | 1 | $ 191,000 | $ 191,000 | $ 111,000 |
| Van Buren, Tennessee | 1 | $ 260,000 | $ 260,000 | $ 104,000 |
| Warren, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Williamson, Tennessee | 1 | $ 846,000 | $ 846,000 | $ 167,000 |
| Chittenden, Vermont | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| Washington, Vermont | 1 | $ 360,000 | $ 360,000 | $ 175,000 |
| Arlington, Virginia | 1 | $ 495,000 | $ 495,000 | $ 95,000 |
| Buckingham, Virginia | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Campbell, Virginia | 1 | $ 222,000 | $ 222,000 | $ 193,000 |
| Carroll, Virginia | 1 | $ 227,000 | $ 227,000 | $ 113,000 |
| Charlotte, Virginia | 1 | $ 184,000 | $ 184,000 | $ 80,000 |
| Chesterfield, Virginia | 1 | $ 190,000 | $ 190,000 | $ 37,000 |
| Frederick, Virginia | 1 | $ 343,000 | $ 343,000 | $ 124,000 |
| Giles, Virginia | 1 | $ 198,000 | $ 198,000 | $ 68,000 |
| Goochland, Virginia | 1 | $ 360,000 | $ 360,000 | $ 104,000 |
| Grayson, Virginia | 1 | $ 264,000 | $ 264,000 | $ 97,000 |
| Greensville, Virginia | 1 | $ 257,000 | $ 257,000 | $ 85,000 |
| Hampton, Virginia | 1 | $ 236,000 | $ 236,000 | $ 170,000 |
| James City, Virginia | 1 | $ 239,000 | $ 239,000 | $ 186,000 |
| King William, Virginia | 1 | $ 230,000 | $ 230,000 | $ 105,000 |
| Nelson, Virginia | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Nottoway, Virginia | 1 | $ 256,000 | $ 256,000 | $ 67,000 |
| Page, Virginia | 1 | $ 250,000 | $ 250,000 | $ 195,000 |
| Pittsylvania, Virginia | 1 | $ 166,000 | $ 166,000 | $ 60,000 |
| Prince William, Virginia | 1 | $ 208,000 | $ 208,000 | $ 48,000 |
| Rockingham, Virginia | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| Southampton, Virginia | 1 | $ 161,000 | $ 161,000 | $ 77,000 |
| Warren, Virginia | 1 | $ 310,000 | $ 310,000 | $ 126,000 |
| Westmoreland, Virginia | 1 | $ 173,000 | $ 173,000 | $ 123,000 |
| Harrison, West Virginia | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| Lewis, West Virginia | 1 | $ 133,000 | $ 133,000 | $ 41,000 |
| Mineral, West Virginia | 1 | $ 124,000 | $ 124,000 | $ 67,000 |
| Door, Wisconsin | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for American Home Bank in 2005
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 | 2,856 | $537,765,000 | $285,677 | $1,000,000 | $143,322 | $9,367,000 |
| Refinancing | 345 | $63,882,000 | $336,789 | $1,500,000 | $135,947 | $480,000 |
| Home Improvement | 44 | $6,910,000 | $173,333 | $860,000 | $113,166 | $541,000 |
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 | 2,751 | $505,762,000 | $296,424 | $1,500,000 | $146,272 | $9,367,000 |
| Black or African American | 199 | $42,551,000 | $264,538 | $650,000 | $110,384 | $502,000 |
| Asian | 126 | $24,880,000 | $213,125 | $435,000 | $90,250 | $679,000 |
| Not Provided | 79 | $16,387,000 | $324,866 | $1,000,000 | $125,200 | $360,000 |
| Hispanic | 79 | $16,306,000 | $205,222 | $555,000 | $75,444 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,803,000 | $309,250 | $325,000 | $185,750 | $432,000 |
| American Indian or Alaskan Native | 5 | $868,000 | $132,333 | $381,000 | $80,000 | $136,000 |
| Not applicable | 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) | 3,140 | $589,826,000 | $299,666 | $1,500,000 | $146,545 | $9,367,000 |
| FHA-insured (Federal Housing Administration) | 63 | $9,304,000 | $195,250 | $277,000 | $58,250 | $101,000 |
| VA-guaranteed (Veterans Administration) | 42 | $9,427,000 | $232,000 | $360,000 | $64,333 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,583 | $465,164,000 | $246,071 | $1,500,000 | $133,678 | $9,367,000 |
| Application Approved But Not Accepted | 469 | $99,536,000 | $245,576 | $1,000,000 | $113,038 | $620,000 |
| Application Denied By Financial Institution | 112 | $25,927,000 | $348,695 | $950,000 | $127,739 | $728,000 |
| Application Withdrawn By Applicant | 80 | $17,830,000 | $301,952 | $1,000,000 | $207,857 | $9,367,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $50,000 | $50,000 |
| 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 | 28 | $5,360,000 | $262,909 | $687,000 | $83,363 | $182,000 |
| Debt-To-Income Ratio | 28 | $8,876,000 | $321,250 | $720,000 | $100,666 | $196,000 |
| Other | 27 | $6,708,000 | $310,363 | $950,000 | $109,090 | $240,000 |
| Collateral | 13 | $1,833,000 | $182,000 | $360,000 | $73,833 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $739,000 | $95,200 | $213,000 | $364,400 | $728,000 |
| Credit Application Incomplete | 5 | $1,060,000 | $223,666 | $284,000 | $68,666 | $102,000 |
| Employment History | 3 | $1,267,000 | $422,333 | $897,000 | $109,666 | $222,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Bank's 2005 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.
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