American Home Bank Mortgage Lending & HMDA Data, 2006
In 2006, American Home Bank of Mountville, PA reported 3,346 mortgage applications totaling $717.1 million, up 3% from 2005. The average application was for $214,303, and applicants reported an average income of $98,228. 77% of its applications resulted in an originated loan and 8% were denied. Its largest markets were York-Hanover, PA (358), Harrisburg-Carlisle, PA (356) and Lancaster, PA (345) (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 | 3,346 |
| Total Mortgage Loan Application Amount | $717,061,000 |
| Average Mortgage Loan Application Amount | $214,303 |
| Highest Mortgage Loan Application Amount | $1,270,000 |
| Average Applicant Income | $98,228 |
| Highest Applicant Income | $2,290,000 |
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Act (HMDA) records American Home Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| York-Hanover, PA | 358 | $ 70,236,000 | $ 196,189 | $ 83,000 |
| Harrisburg-Carlisle, PA | 356 | $ 68,794,000 | $ 193,241 | $ 101,000 |
| Lancaster, PA | 345 | $ 61,618,000 | $ 178,602 | $ 79,000 |
| Atlantic City, NJ | 279 | $ 49,807,000 | $ 178,519 | $ 63,000 |
| Philadelphia, PA | 133 | $ 31,440,000 | $ 236,390 | $ 105,000 |
| Bethesda-Gaithersburg-Frederick, MD | 115 | $ 38,555,000 | $ 335,260 | $ 163,000 |
| Baltimore-Towson, MD | 99 | $ 22,823,000 | $ 230,535 | $ 97,000 |
| Camden, NJ | 86 | $ 13,938,000 | $ 162,069 | $ 89,000 |
| Dover, DE | 72 | $ 14,331,000 | $ 199,041 | $ 93,000 |
| Wilmington, DE-MD-NJ | 72 | $ 17,854,000 | $ 247,972 | $ 102,041 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 60 | $ 18,990,000 | $ 316,500 | $ 175,100 |
| Lebanon, PA | 59 | $ 9,142,000 | $ 154,949 | $ 87,000 |
| Hagerstown-Martinsburg, MD-WV | 55 | $ 13,297,000 | $ 241,763 | $ 100,836 |
| Cape Coral-Fort Myers, FL | 48 | $ 13,888,000 | $ 289,333 | $ 140,000 |
| Reading, PA | 39 | $ 8,213,000 | $ 210,589 | $ 88,000 |
| Pittsburgh, PA | 32 | $ 9,061,000 | $ 283,156 | $ 97,000 |
| Vineland-Millville-Bridgeton, NJ | 29 | $ 4,384,000 | $ 151,172 | $ 56,000 |
| Salisbury, MD | 25 | $ 3,968,000 | $ 158,720 | $ 78,000 |
| Ocean City, NJ | 24 | $ 5,991,000 | $ 249,625 | $ 107,000 |
| Columbus, OH | 23 | $ 2,555,000 | $ 111,086 | $ 58,000 |
| Savannah, GA | 20 | $ 4,289,000 | $ 214,450 | $ 135,000 |
| Scranton--Wilkes-Barre, PA | 20 | $ 4,048,000 | $ 202,400 | $ 77,000 |
| Buffalo-Niagara Falls, NY | 15 | $ 4,094,000 | $ 272,933 | $ 156,000 |
| Columbia, SC | 14 | $ 3,454,000 | $ 246,714 | $ 86,000 |
| Edison, NJ | 13 | $ 3,887,000 | $ 299,000 | $ 103,000 |
| Richmond, VA | 13 | $ 3,553,000 | $ 273,307 | $ 92,000 |
| Louisville-Jefferson County, KY-IN | 12 | $ 3,071,000 | $ 255,916 | $ 74,000 |
| Asheville, NC | 11 | $ 3,007,000 | $ 273,363 | $ 129,000 |
| Prescott, AZ | 10 | $ 3,118,000 | $ 311,800 | $ 103,000 |
| Greenville, SC | 9 | $ 2,295,000 | $ 255,000 | $ 90,000 |
| Williamsport, PA | 9 | $ 1,364,000 | $ 151,555 | $ 98,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 2,263,000 | $ 282,875 | $ 102,000 |
| Portland-South Portland-Biddeford, ME | 8 | $ 1,849,000 | $ 231,125 | $ 69,000 |
| Rochester, NY | 8 | $ 1,937,000 | $ 242,125 | $ 82,000 |
| Spartanburg, SC | 8 | $ 1,773,000 | $ 221,625 | $ 59,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,275,000 | $ 159,375 | $ 36,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,601,000 | $ 228,714 | $ 216,000 |
| Hartford-West Hartford-East Hartford, CT | 7 | $ 2,570,000 | $ 367,142 | $ 169,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,269,000 | $ 211,500 | $ 76,000 |
| Binghamton, NY | 6 | $ 1,304,000 | $ 217,333 | $ 85,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 1,634,000 | $ 272,333 | $ 95,000 |
| Springfield, MA | 6 | $ 1,701,000 | $ 283,500 | $ 78,000 |
| Winchester, VA-WV | 6 | $ 1,587,000 | $ 264,500 | $ 155,000 |
| Barnstable Town, MA | 5 | $ 1,707,000 | $ 341,400 | $ 72,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,681,000 | $ 336,200 | $ 81,600 |
| Newark-Union, NJ-PA | 5 | $ 1,725,000 | $ 345,000 | $ 184,600 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 1,139,000 | $ 284,750 | $ 84,250 |
| Durham, NC | 4 | $ 942,000 | $ 235,500 | $ 99,000 |
| Jackson, MS | 4 | $ 761,000 | $ 190,250 | $ 62,000 |
| Jacksonville, FL | 4 | $ 977,000 | $ 244,250 | $ 101,000 |
| Providence-New Bedford-Fall River, RI-MA | 4 | $ 1,286,000 | $ 321,500 | $ 111,750 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 743,000 | $ 185,750 | $ 91,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 1,365,000 | $ 341,250 | $ 130,000 |
| Bangor, ME | 3 | $ 730,000 | $ 243,333 | $ 81,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 468,000 | $ 156,000 | $ 127,000 |
| Charleston-North Charleston, SC | 3 | $ 980,000 | $ 326,666 | $ 109,000 |
| Chattanooga, TN-GA | 3 | $ 632,000 | $ 210,666 | $ 63,000 |
| Denver-Aurora, CO | 3 | $ 1,370,000 | $ 456,666 | $ 150,000 |
| Kingston, NY | 3 | $ 630,000 | $ 210,000 | $ 102,000 |
| Memphis, TN-MS-AR | 3 | $ 671,000 | $ 223,666 | $ 58,000 |
| Punta Gorda, FL | 3 | $ 832,000 | $ 277,333 | $ 106,000 |
| Raleigh-Cary, NC | 3 | $ 652,000 | $ 217,333 | $ 74,000 |
| Trenton-Ewing, NJ | 3 | $ 868,000 | $ 289,333 | $ 69,000 |
| Wheeling, WV-OH | 3 | $ 566,000 | $ 188,666 | $ 122,000 |
| Anderson, SC | 2 | $ 730,000 | $ 365,000 | $ 111,000 |
| Ann Arbor, MI | 2 | $ 332,000 | $ 166,000 | $ 115,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 491,000 | $ 245,500 | $ 108,000 |
| Bloomington, IN | 2 | $ 192,000 | $ 96,000 | $ 32,000 |
| Dayton, OH | 2 | $ 431,000 | $ 215,500 | $ 83,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 510,000 | $ 255,000 | $ 101,000 |
| Elizabethtown, KY | 2 | $ 568,000 | $ 284,000 | $ 79,000 |
| Elkhart-Goshen, IN | 2 | $ 138,000 | $ 69,000 | $ 31,000 |
| Fort Wayne, IN | 2 | $ 665,000 | $ 332,500 | $ 150,000 |
| Gainesville, FL | 2 | $ 729,000 | $ 364,500 | $ 86,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 333,000 | $ 166,500 | $ 47,000 |
| Indianapolis-Carmel, IN | 2 | $ 501,000 | $ 250,500 | $ 75,000 |
| Ithaca, NY | 2 | $ 249,000 | $ 124,500 | $ 69,000 |
| Kansas City, MO-KS | 2 | $ 428,000 | $ 214,000 | $ 101,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 435,000 | $ 217,500 | $ 95,000 |
| Mansfield, OH | 2 | $ 358,000 | $ 179,000 | $ 76,000 |
| Naples-Marco Island, FL | 2 | $ 393,000 | $ 196,500 | $ 130,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 508,000 | $ 254,000 | $ 80,000 |
| New Haven-Milford, CT | 2 | $ 563,000 | $ 281,500 | $ 74,000 |
| Orlando-Kissimmee, FL | 2 | $ 922,000 | $ 461,000 | $ 409,000 |
| Peoria, IL | 2 | $ 315,000 | $ 157,500 | $ 75,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 488,000 | $ 244,000 | $ 55,000 |
| Provo-Orem, UT | 2 | $ 255,000 | $ 127,500 | $ 54,000 |
| Salt Lake City, UT | 2 | $ 1,125,000 | $ 562,500 | $ 1,295,000 |
| Sumter, SC | 2 | $ 396,000 | $ 198,000 | $ 81,000 |
| Syracuse, NY | 2 | $ 478,000 | $ 239,000 | $ 93,000 |
| Tallahassee, FL | 2 | $ 413,000 | $ 206,500 | $ 73,000 |
| Wilmington, NC | 2 | $ 622,000 | $ 311,000 | $ 189,000 |
| Winston-Salem, NC | 2 | $ 422,000 | $ 211,000 | $ 82,000 |
| Altoona, PA | 1 | $ 183,000 | $ 183,000 | $ 82,000 |
| Boston-Quincy, MA | 1 | $ 450,000 | $ 450,000 | $ 100,000 |
| Canton-Massillon, OH | 1 | $ 311,000 | $ 311,000 | $ 120,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 417,000 | $ 417,000 | $ 82,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Corvallis, OR | 1 | $ 550,000 | $ 550,000 | $ 160,000 |
| Dallas-Plano-Irving, TX | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Flagstaff, AZ | 1 | $ 196,000 | $ 196,000 | $ 288,000 |
| Fond Du Lac, WI | 1 | $ 99,000 | $ 99,000 | $ 51,000 |
| Fort Collins-Loveland, CO | 1 | $ 300,000 | $ 300,000 | $ 121,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 270,000 | $ 270,000 | $ 59,000 |
| Greenville, NC | 1 | $ 81,000 | $ 81,000 | $ 47,000 |
| Harrisonburg, VA | 1 | $ 289,000 | $ 289,000 | $ 76,000 |
| Hot Springs, AR | 1 | $ 281,000 | $ 281,000 | $ 92,000 |
| Jackson, MI | 1 | $ 174,000 | $ 174,000 | $ 37,000 |
| Jefferson City, MO | 1 | $ 233,000 | $ 233,000 | $ 80,000 |
| Kalamazoo-Portage, MI | 1 | $ 161,000 | $ 161,000 | $ 70,000 |
| Las Vegas-Paradise, NV | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Lewiston-Auburn, ME | 1 | $ 238,000 | $ 238,000 | $ 79,000 |
| Lynchburg, VA | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 184,000 | $ 184,000 | $ 81,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 180,000 | $ 180,000 | $ 78,000 |
| Monroe, MI | 1 | $ 123,000 | $ 123,000 | $ 76,000 |
| Pittsfield, MA | 1 | $ 350,000 | $ 350,000 | $ 124,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 242,000 | $ 242,000 | $ 84,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 268,000 | $ 268,000 | $ 73,000 |
| Rockford, IL | 1 | $ 417,000 | $ 417,000 | $ 136,000 |
| Rockingham County-Strafford County, NH | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 561,000 | $ 561,000 | $ 401,000 |
| Sebastian-Vero Beach, FL | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Spokane, WA | 1 | $ 485,000 | $ 485,000 | $ 156,000 |
| Springfield, IL | 1 | $ 41,000 | $ 41,000 | $ 94,000 |
| State College, PA | 1 | $ 104,000 | $ 104,000 | $ 69,000 |
| Toledo, OH | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Wichita, KS | 1 | $ 128,000 | $ 128,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for American Home Bank in 2006
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 | 2,852 | $609,570,000 | $213,000 | $1,270,000 | $98,000 | $2,290,000 |
| Refinancing | 466 | $102,250,000 | $219,000 | $1,229,000 | $100,000 | $1,839,000 |
| Home Improvement | 28 | $5,241,000 | $187,000 | $785,000 | $92,000 | $232,000 |
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 | 2,663 | $572,528,000 | $214,000 | $1,270,000 | $101,000 | $1,839,000 |
| Black or African American | 234 | $52,462,000 | $224,000 | $693,000 | $85,000 | $408,000 |
| Hispanic | 213 | $38,650,000 | $181,000 | $610,000 | $62,000 | $375,000 |
| Asian | 118 | $26,960,000 | $228,000 | $1,190,000 | $89,000 | $306,000 |
| Not Provided | 99 | $22,339,000 | $225,000 | $975,000 | $131,000 | $2,290,000 |
| Native Hawaiian or Other Pacific Islander | 15 | $3,150,000 | $210,000 | $483,000 | $69,000 | $178,000 |
| American Indian or Alaskan Native | 4 | $972,000 | $243,000 | $293,000 | $71,000 | $93,000 |
| 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) | 3,106 | $673,929,000 | $216,000 | $1,270,000 | $101,000 | $2,290,000 |
| FHA-insured (Federal Housing Administration) | 174 | $28,038,000 | $161,000 | $283,000 | $58,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 66 | $15,094,000 | $228,000 | $416,000 | $71,000 | $183,000 |
| 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 | 2,590 | $542,263,000 | $209,000 | $1,270,000 | $98,000 | $2,290,000 |
| Application Approved But Not Accepted | 465 | $106,527,000 | $229,000 | $693,000 | $94,000 | $435,000 |
| Application Denied By Financial Institution | 252 | $62,540,000 | $248,000 | $1,080,000 | $98,000 | $576,000 |
| Application Withdrawn By Applicant | 39 | $5,731,000 | $146,000 | $417,000 | $93,000 | $250,000 |
| 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 | 77 | $21,431,000 | $278,000 | $650,000 | $81,000 | $216,000 |
| Credit History | 57 | $12,277,000 | $215,000 | $595,000 | $90,000 | $576,000 |
| Other | 42 | $10,245,000 | $243,000 | $785,000 | $127,000 | $398,000 |
| Collateral | 37 | $9,010,000 | $243,000 | $620,000 | $97,000 | $240,000 |
| Credit Application Incomplete | 16 | $3,731,000 | $233,000 | $417,000 | $90,000 | $230,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $3,879,000 | $387,000 | $1,080,000 | $217,000 | $500,000 |
| Employment History | 7 | $1,133,000 | $161,000 | $417,000 | $40,000 | $92,000 |
| Unverifiable Information | 5 | $690,000 | $138,000 | $250,000 | $77,000 | $155,000 |
| Mortgage Insurance Denied | 1 | $144,000 | $144,000 | $144,000 | $113,000 | $113,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Home Bank's 2006 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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