American Home Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
American Home Bank 2008 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 | 5,912 |
| Total Mortgage Loan Application Amount | $1,315,355,000 |
| Average Mortgage Loan Application Amount | $232,333 |
| Highest Mortgage Loan Application Amount | $1,910,000 |
| Average Applicant Income | $106,333 |
| Highest Applicant Income | $2,476,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | $ 211,000 | $ 92,000 |
| LANCASTER, PA | 407 | $ 77,796,000 | $ 191,000 | $ 77,000 |
| HARRISBURG-CARLISLE, PA | 291 | $ 51,844,000 | $ 178,000 | $ 87,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 286 | $ 68,674,000 | $ 240,000 | $ 95,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 266 | $ 63,281,000 | $ 237,000 | $ 110,000 |
| YORK-HANOVER, PA | 225 | $ 54,372,000 | $ 241,000 | $ 87,000 |
| BOSTON-QUINCY, MA | 172 | $ 49,935,000 | $ 290,000 | $ 116,000 |
| EDISON-NEW BRUNSWICK, NJ | 172 | $ 45,116,000 | $ 262,000 | $ 104,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 155 | $ 29,946,000 | $ 193,000 | $ 78,000 |
| WILMINGTON, DE-MD-NJ | 135 | $ 34,224,000 | $ 239,333 | $ 80,666 |
| DOVER, DE | 106 | $ 27,185,000 | $ 256,000 | $ 77,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 95 | $ 22,527,000 | $ 237,000 | $ 99,000 |
| NEWARK-UNION, NJ-PA | 83 | $ 24,306,000 | $ 275,000 | $ 103,500 |
| CAMDEN, NJ | 81 | $ 17,243,000 | $ 212,000 | $ 87,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 78 | $ 23,639,000 | $ 303,000 | $ 117,000 |
| MANCHESTER-NASHUA, NH | 75 | $ 17,179,000 | $ 229,000 | $ 105,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 74 | $ 26,102,000 | $ 378,000 | $ 111,000 |
| LEBANON, PA | 72 | $ 15,557,000 | $ 216,000 | $ 82,000 |
| BALTIMORE-TOWSON, MD | 71 | $ 18,228,000 | $ 256,000 | $ 89,000 |
| PEABODY, MA | 65 | $ 15,878,000 | $ 244,000 | $ 103,000 |
| SCRANTON--WILKES-BARRE, PA | 59 | $ 8,150,000 | $ 138,000 | $ 79,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 58 | $ 20,792,000 | $ 330,500 | $ 121,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 54 | $ 19,569,000 | $ 362,000 | $ 163,000 |
| JACKSONVILLE, FL | 54 | $ 13,430,000 | $ 248,000 | $ 143,000 |
| SPRINGFIELD, MA | 50 | $ 10,141,000 | $ 202,000 | $ 75,000 |
| CANTON-MASSILLON, OH | 41 | $ 4,812,000 | $ 117,000 | $ 80,000 |
| ALTOONA, PA | 38 | $ 5,452,000 | $ 143,000 | $ 68,000 |
| READING, PA | 38 | $ 6,517,000 | $ 171,000 | $ 70,000 |
| WILLIAMSPORT, PA | 38 | $ 4,610,000 | $ 121,000 | $ 61,000 |
| STATE COLLEGE, PA | 37 | $ 6,321,000 | $ 170,000 | $ 79,000 |
| ST. LOUIS, MO-IL | 35 | $ 5,162,000 | $ 128,000 | $ 60,500 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 26 | $ 6,939,000 | $ 261,000 | $ 91,000 |
| LEWISTON-AUBURN, ME | 26 | $ 4,101,000 | $ 157,000 | $ 79,000 |
| OCEAN CITY, NJ | 26 | $ 6,919,000 | $ 266,000 | $ 130,000 |
| WORCESTER, MA | 25 | $ 6,387,000 | $ 255,000 | $ 105,000 |
| PITTSBURGH, PA | 15 | $ 2,925,000 | $ 195,000 | $ 81,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 14 | $ 2,937,000 | $ 209,000 | $ 64,000 |
| WILMINGTON, NC | 14 | $ 2,961,000 | $ 211,000 | $ 84,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 13 | $ 3,011,000 | $ 231,000 | $ 108,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 13 | $ 3,719,000 | $ 248,000 | $ 88,000 |
| BARNSTABLE TOWN, MA | 12 | $ 3,586,000 | $ 298,000 | $ 141,000 |
| SALISBURY, MD | 12 | $ 2,602,000 | $ 216,000 | $ 71,000 |
| TRENTON-EWING, NJ | 11 | $ 2,566,000 | $ 233,000 | $ 71,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 11 | $ 1,795,000 | $ 163,000 | $ 121,000 |
| JOHNSTOWN, PA | 10 | $ 1,151,000 | $ 115,000 | $ 58,000 |
| NASSAU-SUFFOLK, NY | 9 | $ 4,096,000 | $ 455,000 | $ 221,000 |
| CHARLESTON, WV | 8 | $ 1,280,000 | $ 160,000 | $ 107,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 7 | $ 1,862,000 | $ 282,500 | $ 124,500 |
| ASHEVILLE, NC | 6 | $ 1,913,000 | $ 318,000 | $ 103,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 6 | $ 963,000 | $ 160,000 | $ 44,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 816,000 | $ 163,000 | $ 70,000 |
| OCALA, FL | 5 | $ 584,000 | $ 116,000 | $ 40,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 5 | $ 1,423,000 | $ 284,000 | $ 142,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 4 | $ 2,516,000 | $ 629,000 | $ 465,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 4 | $ 811,000 | $ 202,000 | $ 60,000 |
| FARMINGTON, NM | 4 | $ 1,120,000 | $ 280,000 | $ 108,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 4 | $ 1,010,000 | $ 252,000 | $ 123,000 |
| KANSAS CITY, MO-KS | 4 | $ 1,587,000 | $ 396,500 | $ 145,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 4 | $ 964,000 | $ 241,000 | $ 79,000 |
| WINCHESTER, VA-WV | 4 | $ 2,435,000 | $ 608,500 | $ 283,500 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 3 | $ 770,000 | $ 256,000 | $ 140,000 |
| CHATTANOOGA, TN-GA | 3 | $ 717,000 | $ 239,000 | $ 109,000 |
| COLUMBUS, GA-AL | 3 | $ 537,000 | $ 214,000 | $ 115,000 |
| DENVER-AURORA, CO | 3 | $ 527,000 | $ 175,000 | $ 84,000 |
| LAKELAND-WINTER HAVEN, FL | 3 | $ 788,000 | $ 262,000 | $ 96,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 3 | $ 634,000 | $ 211,000 | $ 42,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 3 | $ 721,000 | $ 240,000 | $ 75,000 |
| UTICA-ROME, NY | 3 | $ 363,000 | $ 121,000 | $ 61,000 |
| AKRON, OH | 2 | $ 263,000 | $ 131,000 | $ 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 | $ 312,000 | $ 95,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 2 | $ 446,000 | $ 223,000 | $ 83,000 |
| COLUMBIA, SC | 2 | $ 637,000 | $ 318,000 | $ 82,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 2 | $ 301,000 | $ 150,000 | $ 257,000 |
| GLENS FALLS, NY | 2 | $ 547,000 | $ 273,000 | $ 133,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 2 | $ 555,000 | $ 277,000 | $ 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 | $ 288,000 | $ 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 | $ 176,000 | $ 56,000 |
| SALT LAKE CITY, UT | 2 | $ 649,000 | $ 324,000 | $ 70,000 |
| SAVANNAH, GA | 2 | $ 555,000 | $ 277,000 | $ 95,000 |
| WINSTON-SALEM, NC | 2 | $ 249,000 | $ 124,000 | $ 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.
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