American Home Bank Mortgage Lending & HMDA Data, 2008
In 2008, American Home Bank of Mountville, PA reported 5,912 mortgage applications totaling $1.3 billion, up 70% from 2007. The average application was for $222,489, and applicants reported an average income of $95,622. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Philadelphia, PA (1,048), Lancaster, PA (407) and Harrisburg-Carlisle, PA (291) (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 | 5,912 |
| Total Mortgage Loan Application Amount | $1,315,355,000 |
| Average Mortgage Loan Application Amount | $222,489 |
| Highest Mortgage Loan Application Amount | $1,910,000 |
| Average Applicant Income | $95,622 |
| Highest Applicant Income | $2,476,000 |
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Act (HMDA) records American Home Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,048 | $ 221,350,000 | $ 211,211 | $ 92,000 |
| Lancaster, PA | 407 | $ 77,796,000 | $ 191,144 | $ 77,000 |
| Harrisburg-Carlisle, PA | 291 | $ 51,844,000 | $ 178,158 | $ 87,000 |
| Rockingham County-Strafford County, NH | 286 | $ 68,674,000 | $ 240,118 | $ 95,000 |
| Portland-South Portland-Biddeford, ME | 266 | $ 63,281,000 | $ 237,898 | $ 110,000 |
| York-Hanover, PA | 225 | $ 54,372,000 | $ 241,653 | $ 87,000 |
| Boston-Quincy, MA | 172 | $ 49,935,000 | $ 290,319 | $ 116,000 |
| Edison-New Brunswick, NJ | 172 | $ 45,116,000 | $ 262,302 | $ 104,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 155 | $ 29,946,000 | $ 193,200 | $ 78,000 |
| Wilmington, DE-MD-NJ | 135 | $ 34,224,000 | $ 253,511 | $ 83,385 |
| Dover, DE | 106 | $ 27,185,000 | $ 256,462 | $ 77,000 |
| Atlantic City-Hammonton, NJ | 95 | $ 22,527,000 | $ 237,126 | $ 99,000 |
| Newark-Union, NJ-PA | 83 | $ 24,306,000 | $ 292,843 | $ 103,096 |
| Camden, NJ | 81 | $ 17,243,000 | $ 212,876 | $ 87,000 |
| Cambridge-Newton-Framingham, MA | 78 | $ 23,639,000 | $ 303,064 | $ 117,000 |
| Manchester-Nashua, NH | 75 | $ 17,179,000 | $ 229,053 | $ 105,000 |
| New York-White Plains-Wayne, NY-NJ | 74 | $ 26,102,000 | $ 352,729 | $ 108,891 |
| Lebanon, PA | 72 | $ 15,557,000 | $ 216,069 | $ 82,000 |
| Baltimore-Towson, MD | 71 | $ 18,228,000 | $ 256,732 | $ 89,000 |
| Peabody, MA | 65 | $ 15,878,000 | $ 244,276 | $ 103,000 |
| Scranton--Wilkes-Barre, PA | 59 | $ 8,150,000 | $ 138,135 | $ 79,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 58 | $ 20,792,000 | $ 358,482 | $ 131,827 |
| Bethesda-Frederick-Gaithersburg, MD | 54 | $ 19,569,000 | $ 362,388 | $ 163,000 |
| Jacksonville, FL | 54 | $ 13,430,000 | $ 248,703 | $ 143,000 |
| Springfield, MA | 50 | $ 10,141,000 | $ 202,820 | $ 75,000 |
| Canton-Massillon, OH | 41 | $ 4,812,000 | $ 117,365 | $ 80,000 |
| Altoona, PA | 38 | $ 5,452,000 | $ 143,473 | $ 68,000 |
| Reading, PA | 38 | $ 6,517,000 | $ 171,500 | $ 70,000 |
| Williamsport, PA | 38 | $ 4,610,000 | $ 121,315 | $ 61,000 |
| State College, PA | 37 | $ 6,321,000 | $ 170,837 | $ 79,000 |
| St. Louis, MO-IL | 35 | $ 5,162,000 | $ 147,485 | $ 61,914 |
| Hagerstown-Martinsburg, MD-WV | 26 | $ 6,939,000 | $ 266,884 | $ 95,153 |
| Lewiston-Auburn, ME | 26 | $ 4,101,000 | $ 157,730 | $ 79,000 |
| Ocean City, NJ | 26 | $ 6,919,000 | $ 266,115 | $ 130,000 |
| Worcester, MA | 25 | $ 6,387,000 | $ 255,480 | $ 105,000 |
| Pittsburgh, PA | 15 | $ 2,925,000 | $ 195,000 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 2,937,000 | $ 209,785 | $ 64,000 |
| Wilmington, NC | 14 | $ 2,961,000 | $ 211,500 | $ 84,000 |
| Atlanta-Sandy Springs-Marietta, GA | 13 | $ 3,011,000 | $ 231,615 | $ 108,000 |
| Providence-New Bedford-Fall River, RI-MA | 13 | $ 3,719,000 | $ 286,076 | $ 97,000 |
| Barnstable Town, MA | 12 | $ 3,586,000 | $ 298,833 | $ 141,000 |
| Salisbury, MD | 12 | $ 2,602,000 | $ 216,833 | $ 71,000 |
| Trenton-Ewing, NJ | 11 | $ 2,566,000 | $ 233,272 | $ 71,000 |
| Vineland-Millville-Bridgeton, NJ | 11 | $ 1,795,000 | $ 163,181 | $ 121,000 |
| Johnstown, PA | 10 | $ 1,151,000 | $ 115,100 | $ 58,000 |
| Nassau-Suffolk, NY | 9 | $ 4,096,000 | $ 455,111 | $ 221,000 |
| Charleston, WV | 8 | $ 1,280,000 | $ 160,000 | $ 107,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 7 | $ 1,862,000 | $ 266,000 | $ 99,428 |
| Asheville, NC | 6 | $ 1,913,000 | $ 318,833 | $ 103,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 963,000 | $ 160,500 | $ 44,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 816,000 | $ 163,200 | $ 70,000 |
| Ocala, FL | 5 | $ 584,000 | $ 116,800 | $ 40,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,423,000 | $ 284,600 | $ 142,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 2,516,000 | $ 629,000 | $ 465,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 811,000 | $ 202,750 | $ 60,000 |
| Farmington, NM | 4 | $ 1,120,000 | $ 280,000 | $ 108,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,010,000 | $ 252,500 | $ 123,000 |
| Kansas City, MO-KS | 4 | $ 1,587,000 | $ 396,750 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 964,000 | $ 241,000 | $ 79,000 |
| Winchester, VA-WV | 4 | $ 2,435,000 | $ 608,750 | $ 283,500 |
| Charleston-North Charleston-Summerville, SC | 3 | $ 770,000 | $ 256,666 | $ 140,000 |
| Chattanooga, TN-GA | 3 | $ 717,000 | $ 239,000 | $ 109,000 |
| Columbus, GA-AL | 3 | $ 537,000 | $ 179,000 | $ 87,000 |
| Denver-Aurora, CO | 3 | $ 527,000 | $ 175,666 | $ 84,000 |
| Lakeland-Winter Haven, FL | 3 | $ 788,000 | $ 262,666 | $ 96,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 634,000 | $ 211,333 | $ 42,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 721,000 | $ 240,333 | $ 75,000 |
| Utica-Rome, NY | 3 | $ 363,000 | $ 121,000 | $ 61,000 |
| Akron, OH | 2 | $ 263,000 | $ 131,500 | $ 66,000 |
| Bakersfield, CA | 2 | $ 660,000 | $ 330,000 | $ 156,000 |
| Bangor, ME | 2 | $ 402,000 | $ 201,000 | $ 57,000 |
| Burlington-South Burlington, VT | 2 | $ 625,000 | $ 312,500 | $ 95,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 446,000 | $ 223,000 | $ 83,000 |
| Columbia, SC | 2 | $ 637,000 | $ 318,500 | $ 82,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 301,000 | $ 150,500 | $ 257,000 |
| Glens Falls, NY | 2 | $ 547,000 | $ 273,500 | $ 133,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 555,000 | $ 277,500 | $ 138,000 |
| Jacksonville, NC | 2 | $ 386,000 | $ 193,000 | $ 25,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 550,000 | $ 275,000 | $ 160,000 |
| Orlando-Kissimmee, FL | 2 | $ 634,000 | $ 317,000 | $ 70,000 |
| Palm Coast, FL | 2 | $ 577,000 | $ 288,500 | $ 142,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 251,000 | $ 125,500 | $ 93,500 |
| Pittsfield, MA | 2 | $ 750,000 | $ 375,000 | $ 146,000 |
| Prescott, AZ | 2 | $ 780,000 | $ 390,000 | $ 182,000 |
| Raleigh-Cary, NC | 2 | $ 353,000 | $ 176,500 | $ 56,000 |
| Salt Lake City, UT | 2 | $ 649,000 | $ 324,500 | $ 70,000 |
| Savannah, GA | 2 | $ 555,000 | $ 277,500 | $ 95,000 |
| Winston-Salem, NC | 2 | $ 249,000 | $ 124,500 | $ 13,000 |
| Alexandria, LA | 1 | $ 338,000 | $ 338,000 | $ 202,000 |
| Binghamton, NY | 1 | $ 107,000 | $ 107,000 | $ 75,000 |
| Birmingham-Hoover, AL | 1 | $ 197,000 | $ 197,000 | $ 161,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 300,000 | $ 300,000 | $ 658,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 305,000 | $ 305,000 | $ 189,000 |
| Burlington, NC | 1 | $ 399,000 | $ 399,000 | $ 174,000 |
| Cheyenne, WY | 1 | $ 300,000 | $ 300,000 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 263,000 | $ 263,000 | $ 240,000 |
| College Station-Bryan, TX | 1 | $ 118,000 | $ 118,000 | $ 280,000 |
| Cumberland, MD-WV | 1 | $ 380,000 | $ 380,000 | $ 148,000 |
| Durham, NC | 1 | $ 333,000 | $ 333,000 | $ 225,000 |
| El Paso, TX | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Elmira, NY | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Erie, PA | 1 | $ 81,000 | $ 81,000 | $ 51,000 |
| Fayetteville, NC | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 262,000 | $ 262,000 | $ 129,000 |
| Flagstaff, AZ | 1 | $ 287,000 | $ 287,000 | $ 149,000 |
| Fort Collins-Loveland, CO | 1 | $ 417,000 | $ 417,000 | $ 72,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,170,000 | $ 1,170,000 | $ 362,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 152,000 | $ 152,000 | $ 43,000 |
| Gainesville, GA | 1 | $ 310,000 | $ 310,000 | $ 90,000 |
| Gary, IN | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Goldsboro, NC | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 266,000 | $ 266,000 | $ 47,000 |
| Green Bay, WI | 1 | $ 384,000 | $ 384,000 | $ 273,000 |
| Gulfport-Biloxi, MS | 1 | $ 240,000 | $ 240,000 | $ 65,000 |
| Hot Springs, AR | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Indianapolis-Carmel, IN | 1 | $ 130,000 | $ 130,000 | $ 39,000 |
| Jackson, MS | 1 | $ 287,000 | $ 287,000 | $ 89,000 |
| Johnson City, TN | 1 | $ 313,000 | $ 313,000 | $ 104,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Knoxville, TN | 1 | $ 316,000 | $ 316,000 | $ 153,000 |
| Lansing-East Lansing, MI | 1 | $ 216,000 | $ 216,000 | $ 69,000 |
| Lexington-Fayette, KY | 1 | $ 279,000 | $ 279,000 | $ 107,000 |
| Mansfield, OH | 1 | $ 303,000 | $ 303,000 | $ 80,000 |
| Montgomery, AL | 1 | $ 335,000 | $ 335,000 | $ 97,000 |
| Norwich-New London, CT | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Oklahoma City, OK | 1 | $ 201,000 | $ 201,000 | $ 59,000 |
| Panama City-Lynn Haven, FL | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Port St. Lucie, FL | 1 | $ 175,000 | $ 175,000 | $ 252,000 |
| Punta Gorda, FL | 1 | $ 93,000 | $ 93,000 | $ 60,000 |
| Richmond, VA | 1 | $ 254,000 | $ 254,000 | $ 55,000 |
| Roanoke, VA | 1 | $ 300,000 | $ 300,000 | $ 87,000 |
| Rockford, IL | 1 | $ 88,000 | $ 88,000 | $ 54,000 |
| San Antonio, TX | 1 | $ 135,000 | $ 135,000 | $ 144,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 230,000 | $ 230,000 | $ 80,000 |
| Sumter, SC | 1 | $ 352,000 | $ 352,000 | $ 126,000 |
| Toledo, OH | 1 | $ 205,000 | $ 205,000 | $ 141,000 |
| Wenatchee, WA | 1 | $ 417,000 | $ 417,000 | $ 170,000 |
| Wheeling, WV-OH | 1 | $ 82,000 | $ 82,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for American Home Bank in 2008
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 | 3,786 | $822,635,000 | $217,000 | $1,500,000 | $93,000 | $2,476,000 |
| Refinancing | 2,102 | $486,739,000 | $231,000 | $1,910,000 | $100,000 | $1,121,000 |
| Home Improvement | 24 | $5,981,000 | $249,000 | $1,000,000 | $126,000 | $447,000 |
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 | 4,915 | $1,077,796,000 | $219,000 | $1,500,000 | $97,000 | $1,243,000 |
| Black or African American | 367 | $80,179,000 | $218,000 | $567,000 | $70,000 | $239,000 |
| Not Provided | 279 | $70,828,000 | $253,000 | $700,000 | $125,000 | $2,476,000 |
| Hispanic | 206 | $46,528,000 | $225,000 | $880,000 | $77,000 | $275,000 |
| Asian | 115 | $30,824,000 | $268,000 | $1,170,000 | $112,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $4,175,000 | $260,000 | $380,000 | $100,000 | $201,000 |
| Not applicable | 7 | $3,178,000 | $454,000 | $1,910,000 | $115,000 | $535,000 |
| American Indian or Alaskan Native | 7 | $1,847,000 | $263,000 | $373,000 | $79,000 | $110,000 |
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) | 4,144 | $961,487,000 | $232,000 | $1,910,000 | $107,000 | $2,476,000 |
| FHA-insured (Federal Housing Administration) | 1,599 | $315,075,000 | $197,000 | $709,000 | $69,000 | $454,000 |
| VA-guaranteed (Veterans Administration) | 168 | $38,629,000 | $229,000 | $1,002,000 | $72,000 | $297,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $164,000 | $164,000 | $164,000 | $58,000 | $58,000 |
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 | 4,685 | $1,025,889,000 | $218,000 | $1,910,000 | $97,000 | $2,476,000 |
| Application Denied By Financial Institution | 460 | $109,817,000 | $238,000 | $1,170,000 | $88,000 | $450,000 |
| Application Approved But Not Accepted | 436 | $107,998,000 | $247,000 | $792,000 | $102,000 | $609,000 |
| Application Withdrawn By Applicant | 331 | $71,651,000 | $216,000 | $1,040,000 | $88,000 | $780,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 132 | $34,991,000 | $265,000 | $1,000,000 | $73,000 | $447,000 |
| Collateral | 104 | $22,802,000 | $219,000 | $920,000 | $97,000 | $436,000 |
| Credit History | 80 | $16,150,000 | $201,000 | $780,000 | $68,000 | $276,000 |
| Other | 48 | $13,135,000 | $273,000 | $1,170,000 | $116,000 | $389,000 |
| Unverifiable Information | 33 | $9,408,000 | $285,000 | $1,000,000 | $133,000 | $450,000 |
| Mortgage Insurance Denied | 28 | $6,207,000 | $221,000 | $417,000 | $85,000 | $361,000 |
| Employment History | 21 | $3,605,000 | $171,000 | $416,000 | $68,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,418,000 | $241,000 | $419,000 | $95,000 | $166,000 |
| Credit Application Incomplete | 4 | $1,101,000 | $275,000 | $391,000 | $79,000 | $115,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Bank's 2008 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
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