Jonestown Bank & Trust Co. Mortgage Lending & HMDA Data, 2021
In 2021, Jonestown Bank & Trust Co. of Jonestown, PA reported 441 mortgage applications totaling $75.8 million, down 10% from 2020. The average application was for $171,802, and applicants reported an average income of $103,301. 78% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Lebanon, PA (282), Lancaster, PA (72) and Reading, PA (40) (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 | 441 |
| Total Mortgage Loan Application Amount | $75,765,000 |
| Average Mortgage Loan Application Amount | $171,802 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $103,301 |
| Highest Applicant Income | $1,348,000 |
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records Jonestown Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 282 | $ 50,560,000 | $ 179,290 | $ 99,000 |
| Lancaster, Pennsylvania | 72 | $ 11,010,000 | $ 152,916 | $ 111,000 |
| Berks, Pennsylvania | 40 | $ 5,490,000 | $ 137,250 | $ 91,000 |
| Dauphin, Pennsylvania | 27 | $ 5,445,000 | $ 201,666 | $ 165,000 |
| Schuylkill, Pennsylvania | 7 | $ 655,000 | $ 93,571 | $ 63,000 |
| York, Pennsylvania | 5 | $ 485,000 | $ 97,000 | $ 0 |
| Chester, Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 202,000 |
| Cape May, New Jersey | 1 | $ 1,145,000 | $ 1,145,000 | $ 236,000 |
| Cumberland, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Huntingdon, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Monroe, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Perry, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 218,000 |
| Philadelphia, Pennsylvania | 1 | $ 385,000 | $ 385,000 | $ 0 |
Mortgage Loan Application Detail Totals for Jonestown Bank & Trust Co. in 2021
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 | 146 | $28,660,000 | $196,000 | $1,355,000 | $101,000 | $405,000 |
| Cash-out Refinancing | 142 | $23,650,000 | $166,000 | $1,855,000 | $103,000 | $384,000 |
| Refinancing | 112 | $20,800,000 | $185,000 | $5,005,000 | $98,000 | $450,000 |
| Home Improvement | 28 | $1,990,000 | $71,000 | $265,000 | $147,000 | $1,348,000 |
| Other Purpose | 13 | $665,000 | $51,000 | $105,000 | $84,000 | $162,000 |
| Not Applicable | 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 | 362 | $53,620,000 | $148,000 | $1,855,000 | $106,000 | $1,348,000 |
| Not applicable | 55 | $18,675,000 | $339,000 | $5,005,000 | $0 | $0 |
| Hispanic | 13 | $1,935,000 | $148,000 | $365,000 | $62,000 | $132,000 |
| Not Provided | 7 | $965,000 | $137,000 | $365,000 | $79,000 | $148,000 |
| Asian | 3 | $365,000 | $121,000 | $185,000 | $120,000 | $202,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $48,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 441 | $75,765,000 | $171,000 | $5,005,000 | $104,000 | $1,348,000 |
| 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 | 345 | $56,245,000 | $163,000 | $1,855,000 | $108,000 | $1,348,000 |
| Application Denied By Financial Institution | 55 | $8,085,000 | $147,000 | $1,355,000 | $70,000 | $347,000 |
| Application Approved But Not Accepted | 18 | $2,790,000 | $155,000 | $385,000 | $124,000 | $384,000 |
| Application Withdrawn By Applicant | 16 | $7,280,000 | $455,000 | $5,005,000 | $92,000 | $276,000 |
| File Closed For Incompleteness | 7 | $1,365,000 | $195,000 | $385,000 | $134,000 | $450,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 441 | $75,765,000 | $171,000 | $5,005,000 | $104,000 | $1,348,000 |
| 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 2021 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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