Graystone Tower Bank Mortgage Lending & HMDA Data, 2011
In 2011, Graystone Tower Bank of Enola, PA reported 2,786 mortgage applications totaling $607.7 million, up 703% from 2010. The average application was for $218,135, and applicants reported an average income of $106,549. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Philadelphia, PA (409), Lancaster, PA (360) and Harrisburg-Carlisle, PA (267) (applications in parentheses).
| Mortgage Company & Address | Graystone Tower Bank 1826 Good Hope Rd Enola, PA 17025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 2,786 |
| Total Mortgage Loan Application Amount | $607,725,000 |
| Average Mortgage Loan Application Amount | $218,135 |
| Highest Mortgage Loan Application Amount | $3,070,000 |
| Average Applicant Income | $106,549 |
| Highest Applicant Income | $2,137,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Graystone Tower Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 360 | $ 67,124,000 | $ 186,455 | $ 86,000 |
| York, Pennsylvania | 140 | $ 28,267,000 | $ 201,907 | $ 91,000 |
| Chester, Pennsylvania | 139 | $ 30,279,000 | $ 217,834 | $ 106,000 |
| Franklin, Pennsylvania | 137 | $ 14,993,000 | $ 109,437 | $ 61,000 |
| Cumberland, Pennsylvania | 135 | $ 26,392,000 | $ 195,496 | $ 116,000 |
| Dauphin, Pennsylvania | 125 | $ 24,510,000 | $ 196,080 | $ 84,000 |
| Montgomery, Pennsylvania | 101 | $ 24,254,000 | $ 240,138 | $ 118,000 |
| Centre, Pennsylvania | 86 | $ 19,682,000 | $ 228,860 | $ 163,000 |
| Montgomery, Maryland | 73 | $ 28,479,000 | $ 390,123 | $ 221,000 |
| Middlesex, Massachusetts | 63 | $ 19,174,000 | $ 304,349 | $ 120,000 |
| Delaware, Pennsylvania | 62 | $ 12,394,000 | $ 199,903 | $ 81,000 |
| Lebanon, Pennsylvania | 62 | $ 12,980,000 | $ 209,354 | $ 122,000 |
| Philadelphia, Pennsylvania | 61 | $ 10,571,000 | $ 173,295 | $ 82,000 |
| Fulton, Pennsylvania | 59 | $ 4,341,000 | $ 73,576 | $ 51,000 |
| Union, Pennsylvania | 47 | $ 7,873,000 | $ 167,510 | $ 91,000 |
| Bucks, Pennsylvania | 46 | $ 11,631,000 | $ 252,847 | $ 121,000 |
| Burlington, New Jersey | 37 | $ 8,720,000 | $ 235,675 | $ 117,000 |
| Atlantic, New Jersey | 36 | $ 8,069,000 | $ 224,138 | $ 121,000 |
| Anne Arundel, Maryland | 35 | $ 10,233,000 | $ 292,371 | $ 141,000 |
| District of Columbia, District Of Columbia | 34 | $ 14,281,000 | $ 420,029 | $ 158,000 |
| Rockingham, New Hampshire | 31 | $ 8,206,000 | $ 264,709 | $ 106,000 |
| Camden, New Jersey | 31 | $ 5,773,000 | $ 186,225 | $ 107,000 |
| Cumberland, Maine | 27 | $ 6,599,000 | $ 244,407 | $ 107,000 |
| New Castle, Delaware | 26 | $ 6,040,000 | $ 232,307 | $ 118,000 |
| Washington, Maryland | 26 | $ 4,167,000 | $ 160,269 | $ 104,000 |
| Essex, Massachusetts | 25 | $ 8,204,000 | $ 328,160 | $ 121,000 |
| Mercer, New Jersey | 25 | $ 5,719,000 | $ 228,760 | $ 113,000 |
| Ocean, New Jersey | 25 | $ 6,447,000 | $ 257,880 | $ 98,000 |
| Sussex, Delaware | 20 | $ 4,502,000 | $ 225,100 | $ 124,000 |
| Baltimore, Maryland | 20 | $ 5,491,000 | $ 274,550 | $ 149,000 |
| Monmouth, New Jersey | 19 | $ 5,955,000 | $ 313,421 | $ 110,000 |
| Northumberland, Pennsylvania | 18 | $ 3,038,000 | $ 168,777 | $ 80,000 |
| Northampton, Pennsylvania | 17 | $ 3,530,000 | $ 207,647 | $ 103,000 |
| Providence, Rhode Island | 16 | $ 3,036,000 | $ 189,750 | $ 83,000 |
| Adams, Pennsylvania | 15 | $ 2,320,000 | $ 154,666 | $ 83,000 |
| Norfolk, Massachusetts | 13 | $ 3,445,000 | $ 265,000 | $ 104,000 |
| Bergen, New Jersey | 13 | $ 4,127,000 | $ 317,461 | $ 138,000 |
| Cape May, New Jersey | 13 | $ 4,250,000 | $ 326,923 | $ 160,000 |
| York, Maine | 11 | $ 2,233,000 | $ 203,000 | $ 74,000 |
| Plymouth, Massachusetts | 11 | $ 2,824,000 | $ 256,727 | $ 101,000 |
| Gloucester, New Jersey | 11 | $ 2,534,000 | $ 230,363 | $ 97,000 |
| Berks, Pennsylvania | 11 | $ 1,882,000 | $ 171,090 | $ 101,000 |
| Cecil, Maryland | 10 | $ 2,692,000 | $ 269,200 | $ 98,000 |
| Bristol, Massachusetts | 10 | $ 2,758,000 | $ 275,800 | $ 101,000 |
| Snyder, Pennsylvania | 10 | $ 1,991,000 | $ 199,100 | $ 82,000 |
| Middlesex, New Jersey | 9 | $ 3,362,000 | $ 373,555 | $ 119,000 |
| Lehigh, Pennsylvania | 9 | $ 2,699,000 | $ 299,888 | $ 171,000 |
| Kent, Delaware | 8 | $ 1,574,000 | $ 196,750 | $ 88,000 |
| Suffolk, Massachusetts | 8 | $ 2,111,000 | $ 263,875 | $ 107,000 |
| Lycoming, Pennsylvania | 8 | $ 1,303,000 | $ 162,875 | $ 83,000 |
| New Haven, Connecticut | 7 | $ 1,072,000 | $ 153,142 | $ 54,000 |
| Penobscot, Maine | 7 | $ 1,327,000 | $ 189,571 | $ 73,000 |
| Worcester, Massachusetts | 7 | $ 1,920,000 | $ 274,285 | $ 114,000 |
| Columbia, Pennsylvania | 7 | $ 1,197,000 | $ 171,000 | $ 79,000 |
| Perry, Pennsylvania | 7 | $ 1,477,000 | $ 211,000 | $ 95,000 |
| Fairfield, Connecticut | 6 | $ 2,264,000 | $ 377,333 | $ 146,000 |
| Dorchester, Maryland | 6 | $ 1,080,000 | $ 180,000 | $ 68,000 |
| Merrimack, New Hampshire | 6 | $ 1,144,000 | $ 190,666 | $ 58,000 |
| Kings, New York | 6 | $ 2,875,000 | $ 479,166 | $ 171,000 |
| Montour, Pennsylvania | 6 | $ 1,028,000 | $ 171,333 | $ 81,000 |
| St. Johns, Florida | 5 | $ 934,000 | $ 186,800 | $ 97,000 |
| DeKalb, Georgia | 5 | $ 1,269,000 | $ 253,800 | $ 80,000 |
| Harford, Maryland | 5 | $ 1,379,000 | $ 275,800 | $ 94,000 |
| Howard, Maryland | 5 | $ 2,018,000 | $ 403,600 | $ 123,000 |
| Strafford, New Hampshire | 5 | $ 900,000 | $ 180,000 | $ 101,000 |
| Hudson, New Jersey | 5 | $ 916,000 | $ 183,200 | $ 59,000 |
| Broome, New York | 5 | $ 507,000 | $ 101,400 | $ 87,000 |
| Stark, Ohio | 5 | $ 955,000 | $ 191,000 | $ 82,000 |
| Carbon, Pennsylvania | 5 | $ 845,000 | $ 169,000 | $ 134,000 |
| Clearfield, Pennsylvania | 5 | $ 845,000 | $ 169,000 | $ 56,000 |
| Huntingdon, Pennsylvania | 5 | $ 693,000 | $ 138,600 | $ 111,000 |
| Kent, Rhode Island | 5 | $ 1,031,000 | $ 206,200 | $ 74,000 |
| Arlington, Virginia | 5 | $ 1,705,000 | $ 341,000 | $ 120,000 |
| Baltimore City, Maryland | 4 | $ 471,000 | $ 117,750 | $ 43,000 |
| Prince George's, Maryland | 4 | $ 999,000 | $ 249,750 | $ 142,000 |
| Talbot, Maryland | 4 | $ 1,562,000 | $ 390,500 | $ 128,000 |
| Essex, New Jersey | 4 | $ 759,000 | $ 189,750 | $ 55,000 |
| Morris, New Jersey | 4 | $ 1,024,000 | $ 256,000 | $ 71,000 |
| Bronx, New York | 4 | $ 2,021,000 | $ 505,250 | $ 88,000 |
| Erie, Ohio | 4 | $ 609,000 | $ 152,250 | $ 60,000 |
| Lawrence, Pennsylvania | 4 | $ 873,000 | $ 218,250 | $ 104,000 |
| Fairfax, Virginia | 4 | $ 1,461,000 | $ 365,250 | $ 178,000 |
| Henry, Indiana | 3 | $ 164,000 | $ 54,666 | $ 30,000 |
| Oxford, Maine | 3 | $ 616,000 | $ 205,333 | $ 150,000 |
| Calvert, Maryland | 3 | $ 679,000 | $ 226,333 | $ 84,000 |
| Frederick, Maryland | 3 | $ 762,000 | $ 254,000 | $ 69,000 |
| Worcester, Maryland | 3 | $ 816,000 | $ 272,000 | $ 180,000 |
| Barnstable, Massachusetts | 3 | $ 752,000 | $ 250,666 | $ 240,000 |
| Hillsborough, New Hampshire | 3 | $ 534,000 | $ 178,000 | $ 75,000 |
| Sullivan, New Hampshire | 3 | $ 472,000 | $ 157,333 | $ 68,000 |
| Delaware, New York | 3 | $ 501,000 | $ 167,000 | $ 114,000 |
| Rockland, New York | 3 | $ 1,315,000 | $ 438,333 | $ 169,000 |
| Saratoga, New York | 3 | $ 833,000 | $ 277,666 | $ 94,000 |
| Morrow, Ohio | 3 | $ 492,000 | $ 164,000 | $ 75,000 |
| Blair, Pennsylvania | 3 | $ 308,000 | $ 102,666 | $ 114,000 |
| Clinton, Pennsylvania | 3 | $ 278,000 | $ 92,666 | $ 38,000 |
| Indiana, Pennsylvania | 3 | $ 410,000 | $ 136,666 | $ 89,000 |
| Luzerne, Pennsylvania | 3 | $ 663,000 | $ 221,000 | $ 86,000 |
| Newport, Rhode Island | 3 | $ 921,000 | $ 307,000 | $ 382,000 |
| Washington, Rhode Island | 3 | $ 842,000 | $ 280,666 | $ 198,000 |
| Prince William, Virginia | 3 | $ 927,000 | $ 309,000 | $ 135,000 |
| Berkeley, West Virginia | 3 | $ 580,000 | $ 193,333 | $ 38,000 |
| Morgan, West Virginia | 3 | $ 173,000 | $ 57,666 | $ 47,000 |
| El Paso, Colorado | 2 | $ 571,000 | $ 285,500 | $ 92,000 |
| Gwinnett, Georgia | 2 | $ 420,000 | $ 210,000 | $ 74,000 |
| Aroostook, Maine | 2 | $ 227,000 | $ 113,500 | $ 25,000 |
| Franklin, Maine | 2 | $ 283,000 | $ 141,500 | $ 235,000 |
| Hancock, Maine | 2 | $ 363,000 | $ 181,500 | $ 65,000 |
| Allegany, Maryland | 2 | $ 92,000 | $ 46,000 | $ 36,000 |
| Carroll, Maryland | 2 | $ 744,000 | $ 372,000 | $ 123,000 |
| Garrett, Maryland | 2 | $ 1,052,000 | $ 526,000 | $ 1,683,000 |
| Hampden, Massachusetts | 2 | $ 438,000 | $ 219,000 | $ 93,000 |
| Nantucket, Massachusetts | 2 | $ 670,000 | $ 335,000 | $ 144,000 |
| Lenawee, Michigan | 2 | $ 526,000 | $ 263,000 | $ 145,000 |
| Grafton, New Hampshire | 2 | $ 518,000 | $ 259,000 | $ 138,000 |
| Salem, New Jersey | 2 | $ 396,000 | $ 198,000 | $ 95,000 |
| Somerset, New Jersey | 2 | $ 431,000 | $ 215,500 | $ 79,000 |
| Sussex, New Jersey | 2 | $ 506,000 | $ 253,000 | $ 85,000 |
| Union, New Jersey | 2 | $ 667,000 | $ 333,500 | $ 124,000 |
| Albany, New York | 2 | $ 600,000 | $ 300,000 | $ 99,000 |
| Chenango, New York | 2 | $ 266,000 | $ 133,000 | $ 64,000 |
| Dutchess, New York | 2 | $ 461,000 | $ 230,500 | $ 64,000 |
| Erie, New York | 2 | $ 424,000 | $ 212,000 | $ 83,000 |
| Nassau, New York | 2 | $ 912,000 | $ 456,000 | $ 121,000 |
| Niagara, New York | 2 | $ 434,000 | $ 217,000 | $ 103,000 |
| Orange, New York | 2 | $ 566,000 | $ 283,000 | $ 78,000 |
| Putnam, New York | 2 | $ 592,000 | $ 296,000 | $ 161,000 |
| Queens, New York | 2 | $ 728,000 | $ 364,000 | $ 190,000 |
| Rensselaer, New York | 2 | $ 416,000 | $ 208,000 | $ 71,000 |
| Warren, New York | 2 | $ 408,000 | $ 204,000 | $ 73,000 |
| Cumberland, North Carolina | 2 | $ 480,000 | $ 240,000 | $ 98,000 |
| Dare, North Carolina | 2 | $ 480,000 | $ 240,000 | $ 148,000 |
| Gaston, North Carolina | 2 | $ 474,000 | $ 237,000 | $ 85,000 |
| Cuyahoga, Ohio | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Lucas, Ohio | 2 | $ 359,000 | $ 179,500 | $ 56,000 |
| Medina, Ohio | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| Ottawa, Ohio | 2 | $ 390,000 | $ 195,000 | $ 46,000 |
| Perry, Ohio | 2 | $ 337,000 | $ 168,500 | $ 48,000 |
| Portage, Ohio | 2 | $ 409,000 | $ 204,500 | $ 72,000 |
| Putnam, Ohio | 2 | $ 451,000 | $ 225,500 | $ 97,000 |
| Seneca, Ohio | 2 | $ 354,000 | $ 177,000 | $ 76,000 |
| Allegheny, Pennsylvania | 2 | $ 512,000 | $ 256,000 | $ 135,000 |
| Beaver, Pennsylvania | 2 | $ 396,000 | $ 198,000 | $ 86,000 |
| Bedford, Pennsylvania | 2 | $ 37,000 | $ 18,500 | $ 18,000 |
| Lackawanna, Pennsylvania | 2 | $ 588,000 | $ 294,000 | $ 114,000 |
| Schuylkill, Pennsylvania | 2 | $ 641,000 | $ 320,500 | $ 191,000 |
| Washington, Pennsylvania | 2 | $ 584,000 | $ 292,000 | $ 224,000 |
| Wayne, Pennsylvania | 2 | $ 499,000 | $ 249,500 | $ 144,000 |
| Beaufort, South Carolina | 2 | $ 747,000 | $ 373,500 | $ 165,000 |
| Richland, South Carolina | 2 | $ 605,000 | $ 302,500 | $ 130,000 |
| Rutland, Vermont | 2 | $ 313,000 | $ 156,500 | $ 70,000 |
| Windsor, Vermont | 2 | $ 437,000 | $ 218,500 | $ 73,000 |
| Alexandria, Virginia | 2 | $ 888,000 | $ 444,000 | $ 172,000 |
| Stafford, Virginia | 2 | $ 603,000 | $ 301,500 | $ 143,000 |
| Jefferson, West Virginia | 2 | $ 461,000 | $ 230,500 | $ 59,000 |
| Dane, Wisconsin | 2 | $ 552,000 | $ 276,000 | $ 97,000 |
| Henry, Alabama | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
| Marshall, Alabama | 1 | $ 360,000 | $ 360,000 | $ 232,000 |
| Maricopa, Arizona | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Santa Cruz, Arizona | 1 | $ 340,000 | $ 340,000 | $ 117,000 |
| Benton, Arkansas | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Marion, Arkansas | 1 | $ 180,000 | $ 180,000 | $ 35,000 |
| Grand, Colorado | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Hartford, Connecticut | 1 | $ 412,000 | $ 412,000 | $ 150,000 |
| Litchfield, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 38,000 |
| Windham, Connecticut | 1 | $ 304,000 | $ 304,000 | $ 73,000 |
| Collier, Florida | 1 | $ 368,000 | $ 368,000 | $ 317,000 |
| Duval, Florida | 1 | $ 152,000 | $ 152,000 | $ 42,000 |
| Monroe, Florida | 1 | $ 393,000 | $ 393,000 | $ 411,000 |
| Polk, Florida | 1 | $ 236,000 | $ 236,000 | $ 85,000 |
| Baldwin, Georgia | 1 | $ 92,000 | $ 92,000 | $ 76,000 |
| Carroll, Georgia | 1 | $ 179,000 | $ 179,000 | $ 67,000 |
| Chatham, Georgia | 1 | $ 275,000 | $ 275,000 | $ 184,000 |
| Cobb, Georgia | 1 | $ 242,000 | $ 242,000 | $ 96,000 |
| Fulton, Georgia | 1 | $ 320,000 | $ 320,000 | $ 121,000 |
| Jackson, Georgia | 1 | $ 210,000 | $ 210,000 | $ 81,000 |
| Paulding, Georgia | 1 | $ 140,000 | $ 140,000 | $ 34,000 |
| Putnam, Georgia | 1 | $ 417,000 | $ 417,000 | $ 471,000 |
| Bureau, Illinois | 1 | $ 293,000 | $ 293,000 | $ 110,000 |
| LaPorte, Indiana | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Steuben, Indiana | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Breckinridge, Kentucky | 1 | $ 194,000 | $ 194,000 | $ 542,000 |
| Owen, Kentucky | 1 | $ 232,000 | $ 232,000 | $ 163,000 |
| St. Landry, Louisiana | 1 | $ 314,000 | $ 314,000 | $ 88,000 |
| Androscoggin, Maine | 1 | $ 179,000 | $ 179,000 | $ 49,000 |
| Piscataquis, Maine | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Charles, Maryland | 1 | $ 106,000 | $ 106,000 | $ 59,000 |
| Kent, Maryland | 1 | $ 325,000 | $ 325,000 | $ 245,000 |
| Queen Anne's, Maryland | 1 | $ 336,000 | $ 336,000 | $ 125,000 |
| Somerset, Maryland | 1 | $ 350,000 | $ 350,000 | $ 69,000 |
| Wicomico, Maryland | 1 | $ 139,000 | $ 139,000 | $ 30,000 |
| Hampshire, Massachusetts | 1 | $ 295,000 | $ 295,000 | $ 72,000 |
| Allegan, Michigan | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| Emmet, Michigan | 1 | $ 190,000 | $ 190,000 | $ 53,000 |
| Kalamazoo, Michigan | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Washtenaw, Michigan | 1 | $ 355,000 | $ 355,000 | $ 290,000 |
| Clarke, Mississippi | 1 | $ 227,000 | $ 227,000 | $ 235,000 |
| Marshall, Mississippi | 1 | $ 417,000 | $ 417,000 | $ 768,000 |
| St. Louis, Missouri | 1 | $ 417,000 | $ 417,000 | $ 209,000 |
| Belknap, New Hampshire | 1 | $ 238,000 | $ 238,000 | $ 87,000 |
| Cheshire, New Hampshire | 1 | $ 152,000 | $ 152,000 | $ 45,000 |
| Passaic, New Jersey | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Warren, New Jersey | 1 | $ 324,000 | $ 324,000 | $ 84,000 |
| Taos, New Mexico | 1 | $ 350,000 | $ 350,000 | $ 83,000 |
| Cayuga, New York | 1 | $ 121,000 | $ 121,000 | $ 62,000 |
| Chemung, New York | 1 | $ 109,000 | $ 109,000 | $ 50,000 |
| Clinton, New York | 1 | $ 108,000 | $ 108,000 | $ 40,000 |
| Genesee, New York | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Jefferson, New York | 1 | $ 98,000 | $ 98,000 | $ 50,000 |
| Onondaga, New York | 1 | $ 66,000 | $ 66,000 | $ 50,000 |
| Otsego, New York | 1 | $ 167,000 | $ 167,000 | $ 183,000 |
| Schenectady, New York | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Schoharie, New York | 1 | $ 140,000 | $ 140,000 | $ 150,000 |
| St. Lawrence, New York | 1 | $ 89,000 | $ 89,000 | $ 70,000 |
| Steuben, New York | 1 | $ 250,000 | $ 250,000 | $ 83,000 |
| Tioga, New York | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Tompkins, New York | 1 | $ 160,000 | $ 160,000 | $ 24,000 |
| Westchester, New York | 1 | $ 396,000 | $ 396,000 | $ 177,000 |
| Burke, North Carolina | 1 | $ 217,000 | $ 217,000 | $ 93,000 |
| Franklin, North Carolina | 1 | $ 276,000 | $ 276,000 | $ 62,000 |
| Lincoln, North Carolina | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
| Mecklenburg, North Carolina | 1 | $ 224,000 | $ 224,000 | $ 90,000 |
| Pitt, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Allen, Ohio | 1 | $ 161,000 | $ 161,000 | $ 68,000 |
| Ashland, Ohio | 1 | $ 143,000 | $ 143,000 | $ 45,000 |
| Ashtabula, Ohio | 1 | $ 154,000 | $ 154,000 | $ 106,000 |
| Champaign, Ohio | 1 | $ 87,000 | $ 87,000 | $ 28,000 |
| Columbiana, Ohio | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Delaware, Ohio | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Fairfield, Ohio | 1 | $ 255,000 | $ 255,000 | $ 144,000 |
| Franklin, Ohio | 1 | $ 269,000 | $ 269,000 | $ 105,000 |
| Fulton, Ohio | 1 | $ 224,000 | $ 224,000 | $ 106,000 |
| Geauga, Ohio | 1 | $ 223,000 | $ 223,000 | $ 49,000 |
| Hardin, Ohio | 1 | $ 163,000 | $ 163,000 | $ 46,000 |
| Huron, Ohio | 1 | $ 257,000 | $ 257,000 | $ 175,000 |
| Knox, Ohio | 1 | $ 176,000 | $ 176,000 | $ 72,000 |
| Mahoning, Ohio | 1 | $ 97,000 | $ 97,000 | $ 293,000 |
| Muskingum, Ohio | 1 | $ 157,000 | $ 157,000 | $ 48,000 |
| Tuscarawas, Ohio | 1 | $ 176,000 | $ 176,000 | $ 72,000 |
| Washington, Ohio | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Wayne, Ohio | 1 | $ 144,000 | $ 144,000 | $ 70,000 |
| Williams, Ohio | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Wyandot, Ohio | 1 | $ 239,000 | $ 239,000 | $ 112,000 |
| Fayette, Pennsylvania | 1 | $ 274,000 | $ 274,000 | $ 135,000 |
| Juniata, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 72,000 | $ 72,000 | $ 95,000 |
| Pike, Pennsylvania | 1 | $ 320,000 | $ 320,000 | $ 151,000 |
| Somerset, Pennsylvania | 1 | $ 292,000 | $ 292,000 | $ 280,000 |
| Tioga, Pennsylvania | 1 | $ 248,000 | $ 248,000 | $ 49,000 |
| Berkeley, South Carolina | 1 | $ 272,000 | $ 272,000 | $ 183,000 |
| Fairfield, South Carolina | 1 | $ 325,000 | $ 325,000 | $ 267,000 |
| York, South Carolina | 1 | $ 180,000 | $ 180,000 | $ 78,000 |
| Cocke, Tennessee | 1 | $ 318,000 | $ 318,000 | $ 139,000 |
| Davidson, Tennessee | 1 | $ 134,000 | $ 134,000 | $ 64,000 |
| Dickson, Tennessee | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Union, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 91,000 |
| Collin, Texas | 1 | $ 394,000 | $ 394,000 | $ 159,000 |
| Bennington, Vermont | 1 | $ 304,000 | $ 304,000 | $ 123,000 |
| Accomack, Virginia | 1 | $ 244,000 | $ 244,000 | $ 51,000 |
| Albemarle, Virginia | 1 | $ 404,000 | $ 404,000 | $ 170,000 |
| Clarke, Virginia | 1 | $ 250,000 | $ 250,000 | $ 94,000 |
| Frederick, Virginia | 1 | $ 46,000 | $ 46,000 | $ 18,000 |
| Greene, Virginia | 1 | $ 147,000 | $ 147,000 | $ 218,000 |
| Loudoun, Virginia | 1 | $ 493,000 | $ 493,000 | $ 130,000 |
| Page, Virginia | 1 | $ 211,000 | $ 211,000 | $ 126,000 |
| Pittsylvania, Virginia | 1 | $ 720,000 | $ 720,000 | $ 154,000 |
| Virginia Beach, Virginia | 1 | $ 153,000 | $ 153,000 | $ 143,000 |
| Washington, Virginia | 1 | $ 282,000 | $ 282,000 | $ 113,000 |
| Westmoreland, Virginia | 1 | $ 194,000 | $ 194,000 | $ 310,000 |
| Barbour, West Virginia | 1 | $ 242,000 | $ 242,000 | $ 116,000 |
| Marshall, West Virginia | 1 | $ 166,000 | $ 166,000 | $ 86,000 |
| Mineral, West Virginia | 1 | $ 224,000 | $ 224,000 | $ 162,000 |
| Sublette, Wyoming | 1 | $ 202,000 | $ 202,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Graystone Tower Bank in 2011
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 | 1,371 | $299,257,000 | $218,000 | $2,500,000 | $102,000 | $1,339,000 |
| Refinancing | 1,285 | $296,076,000 | $230,000 | $3,070,000 | $115,000 | $2,137,000 |
| Home Improvement | 130 | $12,392,000 | $95,000 | $408,000 | $71,000 | $303,000 |
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 | 2,424 | $517,515,000 | $213,000 | $1,380,000 | $107,000 | $2,137,000 |
| Black or African American | 95 | $19,888,000 | $209,000 | $730,000 | $95,000 | $882,000 |
| Not Provided | 87 | $20,743,000 | $238,000 | $620,000 | $119,000 | $840,000 |
| Asian | 75 | $20,757,000 | $276,000 | $730,000 | $122,000 | $427,000 |
| Hispanic | 69 | $15,376,000 | $222,000 | $648,000 | $100,000 | $408,000 |
| Not applicable | 28 | $11,073,000 | $395,000 | $3,070,000 | $59,000 | $1,652,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,176,000 | $235,000 | $257,000 | $93,000 | $106,000 |
| American Indian or Alaskan Native | 3 | $1,197,000 | $399,000 | $729,000 | $111,000 | $186,000 |
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) | 2,039 | $448,079,000 | $219,000 | $3,070,000 | $118,000 | $2,137,000 |
| FHA-insured (Federal Housing Administration) | 648 | $136,822,000 | $211,000 | $711,000 | $75,000 | $396,000 |
| VA-guaranteed (Veterans Administration) | 84 | $20,287,000 | $241,000 | $754,000 | $91,000 | $882,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,537,000 | $169,000 | $352,000 | $47,000 | $69,000 |
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 | 1,821 | $388,962,000 | $213,000 | $3,070,000 | $110,000 | $2,137,000 |
| Application Denied By Financial Institution | 392 | $81,429,000 | $207,000 | $1,312,000 | $86,000 | $768,000 |
| Application Approved But Not Accepted | 254 | $63,289,000 | $249,000 | $624,000 | $117,000 | $762,000 |
| Application Withdrawn By Applicant | 234 | $51,270,000 | $219,000 | $1,155,000 | $102,000 | $1,000,000 |
| File Closed For Incompleteness | 85 | $22,775,000 | $267,000 | $680,000 | $112,000 | $390,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Graystone Tower Bank's 2011 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 Graystone Tower 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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