Jonestown Bank & Trust Co. Mortgage Lending & HMDA Data, 2024
In 2024, Jonestown Bank & Trust Co. of Jonestown, PA reported 162 mortgage applications totaling $44.5 million, down 41% from 2023. The average application was for $274,444, and applicants reported an average income of $145,228. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lebanon, PA (87), Lancaster, PA (28) and Harrisburg-Carlisle, PA (19) (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 | 162 |
| Total Mortgage Loan Application Amount | $44,460,000 |
| Average Mortgage Loan Application Amount | $274,444 |
| Highest Mortgage Loan Application Amount | $1,975,000 |
| Average Applicant Income | $145,228 |
| Highest Applicant Income | $850,000 |
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records Jonestown Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 87 | $ 18,685,000 | $ 214,770 | $ 146,000 |
| Lancaster, Pennsylvania | 28 | $ 10,290,000 | $ 367,500 | $ 90,000 |
| Dauphin, Pennsylvania | 16 | $ 4,610,000 | $ 288,125 | $ 135,000 |
| Berks, Pennsylvania | 9 | $ 2,095,000 | $ 232,777 | $ 121,000 |
| York, Pennsylvania | 5 | $ 3,685,000 | $ 737,000 | $ 468,000 |
| Chester, Pennsylvania | 4 | $ 850,000 | $ 212,500 | $ 130,000 |
| Schuylkill, Pennsylvania | 4 | $ 540,000 | $ 135,000 | $ 99,000 |
| Lycoming, Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Perry, Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 131,000 |
| Cape May, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Carbon, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Cumberland, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Luzerne, Pennsylvania | 1 | $ 765,000 | $ 765,000 | $ 458,000 |
| Lamoille, Vermont | 1 | $ 1,975,000 | $ 1,975,000 | $ 0 |
Mortgage Loan Application Detail Totals for Jonestown Bank & Trust Co. in 2024
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 | 97 | $27,775,000 | $286,000 | $1,975,000 | $140,000 | $850,000 |
| Cash-out Refinancing | 28 | $6,660,000 | $237,000 | $805,000 | $122,000 | $498,000 |
| Refinancing | 23 | $8,525,000 | $370,000 | $1,705,000 | $203,000 | $576,000 |
| Other Purpose | 7 | $715,000 | $102,000 | $235,000 | $159,000 | $230,000 |
| Home Improvement | 7 | $785,000 | $112,000 | $245,000 | $107,000 | $245,000 |
| 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 | 101 | $21,055,000 | $208,000 | $905,000 | $144,000 | $850,000 |
| Not applicable | 51 | $21,845,000 | $428,000 | $1,975,000 | $0 | $0 |
| Hispanic | 5 | $445,000 | $89,000 | $305,000 | $45,000 | $62,000 |
| Not Provided | 3 | $725,000 | $241,000 | $515,000 | $187,000 | $270,000 |
| Asian | 2 | $390,000 | $195,000 | $235,000 | $83,000 | $97,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 162 | $44,460,000 | $274,000 | $1,975,000 | $141,000 | $850,000 |
| 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 | 108 | $26,130,000 | $241,000 | $905,000 | $145,000 | $850,000 |
| Application Denied By Financial Institution | 29 | $8,075,000 | $278,000 | $1,705,000 | $74,000 | $164,000 |
| Application Approved But Not Accepted | 13 | $6,085,000 | $468,000 | $1,975,000 | $208,000 | $498,000 |
| Application Withdrawn By Applicant | 9 | $2,395,000 | $266,000 | $505,000 | $148,000 | $300,000 |
| File Closed For Incompleteness | 3 | $1,775,000 | $591,000 | $1,355,000 | $210,000 | $364,000 |
| 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 | 162 | $44,460,000 | $274,000 | $1,975,000 | $141,000 | $850,000 |
| 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 2024 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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