Jonestown Bank & Trust Co. Mortgage Lending & HMDA Data, 2014
In 2014, Jonestown Bank & Trust Co. of Jonestown, PA reported 340 mortgage applications totaling $35.2 million, down 31% from 2013. The average application was for $103,667, and applicants reported an average income of $79,832. 74% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Lebanon, PA (266), Harrisburg-Carlisle, PA (26) and Lancaster, PA (26) (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 | 340 |
| Total Mortgage Loan Application Amount | $35,247,000 |
| Average Mortgage Loan Application Amount | $103,667 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $79,832 |
| Highest Applicant Income | $1,388,000 |
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records Jonestown Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 266 | $ 26,250,000 | $ 98,684 | $ 75,000 |
| Lancaster, Pennsylvania | 26 | $ 4,107,000 | $ 157,961 | $ 140,000 |
| Dauphin, Pennsylvania | 20 | $ 1,703,000 | $ 85,150 | $ 62,000 |
| Berks, Pennsylvania | 13 | $ 1,293,000 | $ 99,461 | $ 89,000 |
| Cumberland, Pennsylvania | 5 | $ 976,000 | $ 195,200 | $ 109,000 |
| Schuylkill, Pennsylvania | 3 | $ 232,000 | $ 77,333 | $ 54,000 |
| Montour, Pennsylvania | 2 | $ 368,000 | $ 184,000 | $ 59,000 |
| Worcester, Maryland | 1 | $ 94,000 | $ 94,000 | $ 225,000 |
| Adams, Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 82,000 |
| Centre, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Perry, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 89,000 |
| York, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Jonestown Bank & Trust Co. in 2014
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 | 151 | $19,437,000 | $128,000 | $1,800,000 | $83,000 | $1,388,000 |
| Refinancing | 115 | $13,486,000 | $117,000 | $1,180,000 | $82,000 | $566,000 |
| Home Improvement | 74 | $2,324,000 | $31,000 | $150,000 | $70,000 | $264,000 |
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 | 306 | $29,203,000 | $95,000 | $700,000 | $86,000 | $1,388,000 |
| Not applicable | 16 | $5,166,000 | $322,000 | $1,800,000 | $0 | $0 |
| Hispanic | 15 | $686,000 | $45,000 | $154,000 | $58,000 | $154,000 |
| Asian | 1 | $176,000 | $176,000 | $176,000 | $0 | $0 |
| Black or African American | 1 | $14,000 | $14,000 | $14,000 | $84,000 | $84,000 |
| Not Provided | 1 | $2,000 | $2,000 | $2,000 | $20,000 | $20,000 |
| American Indian or Alaskan Native | 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) | 340 | $35,247,000 | $103,000 | $1,800,000 | $80,000 | $1,388,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 250 | $26,029,000 | $104,000 | $1,180,000 | $87,000 | $1,388,000 |
| Application Denied By Financial Institution | 65 | $7,082,000 | $108,000 | $1,800,000 | $57,000 | $407,000 |
| Application Withdrawn By Applicant | 13 | $1,003,000 | $77,000 | $138,000 | $61,000 | $154,000 |
| Application Approved But Not Accepted | 12 | $1,133,000 | $94,000 | $184,000 | $71,000 | $140,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Jonestown Bank & Trust Co.'s 2014 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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