Jonestown Bank & Trust Co. Mortgage Lending & HMDA Data, 2025
In 2025, Jonestown Bank & Trust Co. of Jonestown, PA reported 157 mortgage applications totaling $52.1 million, down 3% from 2024. The average application was for $332,006, and applicants reported an average income of $152,777. 82% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Lebanon, PA (72), Lancaster, PA (38) and Harrisburg-Carlisle, PA (12) (applications in parentheses).
| Mortgage Company & Address | Jonestown Bank & Trust Co. 2 West Market St Jonestown, PA 17038 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 157 |
| Total Mortgage Loan Application Amount | $52,125,000 |
| Average Mortgage Loan Application Amount | $332,006 |
| Highest Mortgage Loan Application Amount | $5,475,000 |
| Average Applicant Income | $152,777 |
| Highest Applicant Income | $2,951,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Jonestown Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lebanon, Pennsylvania | 72 | $ 18,090,000 | $ 251,250 | $ 129,000 |
| Lancaster, Pennsylvania | 38 | $ 13,700,000 | $ 360,526 | $ 119,000 |
| York, Pennsylvania | 12 | $ 4,540,000 | $ 378,333 | $ 76,000 |
| Dauphin, Pennsylvania | 11 | $ 3,465,000 | $ 315,000 | $ 192,000 |
| Berks, Pennsylvania | 9 | $ 3,845,000 | $ 427,222 | $ 151,000 |
| Schuylkill, Pennsylvania | 6 | $ 1,480,000 | $ 246,666 | $ 91,000 |
| Chester, Pennsylvania | 3 | $ 615,000 | $ 205,000 | $ 96,000 |
| Sussex, Delaware | 1 | $ 5,475,000 | $ 5,475,000 | $ 2,951,000 |
| Bradford, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Cumberland, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Lycoming, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Northampton, Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Philadelphia, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
Mortgage Loan Application Detail Totals for Jonestown Bank & Trust Co. in 2025
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 | 98 | $35,670,000 | $363,000 | $5,475,000 | $157,000 | $2,951,000 |
| Refinancing | 28 | $9,010,000 | $321,000 | $2,075,000 | $166,000 | $405,000 |
| Cash-out Refinancing | 26 | $6,800,000 | $261,000 | $855,000 | $127,000 | $484,000 |
| Home Improvement | 5 | $645,000 | $129,000 | $175,000 | $130,000 | $297,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 108 | $33,220,000 | $307,000 | $5,475,000 | $156,000 | $2,951,000 |
| Not applicable | 42 | $16,520,000 | $393,000 | $1,555,000 | $0 | $0 |
| Hispanic | 5 | $1,515,000 | $303,000 | $775,000 | $86,000 | $143,000 |
| Asian | 1 | $245,000 | $245,000 | $245,000 | $104,000 | $104,000 |
| Not Provided | 1 | $625,000 | $625,000 | $625,000 | $195,000 | $195,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 154 | $50,850,000 | $330,000 | $5,475,000 | $153,000 | $2,951,000 |
| FHA-insured (Federal Housing Administration) | 2 | $650,000 | $325,000 | $325,000 | $104,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 1 | $625,000 | $625,000 | $625,000 | $195,000 | $195,000 |
| 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 | 129 | $39,665,000 | $307,000 | $5,475,000 | $155,000 | $2,951,000 |
| Application Denied By Financial Institution | 15 | $6,295,000 | $419,000 | $2,075,000 | $159,000 | $405,000 |
| Application Withdrawn By Applicant | 9 | $4,915,000 | $546,000 | $1,555,000 | $111,000 | $190,000 |
| Application Approved But Not Accepted | 4 | $1,250,000 | $312,000 | $395,000 | $117,000 | $129,000 |
| 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 | 157 | $52,125,000 | $332,000 | $5,475,000 | $153,000 | $2,951,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Jonestown Bank & Trust Co.'s 2025 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 Jonestown Bank & Trust Co.'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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