Meridian Bank Mortgage Lending & HMDA Data, 2015
In 2015, Meridian Bank of Malvern, PA reported 4,888 mortgage applications totaling $997.2 million, up 34% from 2014. The average application was for $204,001, and applicants reported an average income of $83,506. 79% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Philadelphia, PA (858), Montgomery County-Bucks County-Chester County, PA (785) and Wilmington, DE-MD-NJ (744) (applications in parentheses).
| Mortgage Company & Address | Meridian Bank 9 Old Lincoln Highway Malvern, PA 19355 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 |
| Total Number of Mortgage Applications | 4,888 |
| Total Mortgage Loan Application Amount | $997,161,000 |
| Average Mortgage Loan Application Amount | $204,001 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $83,506 |
| Highest Applicant Income | $1,773,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Meridian Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New Castle, Delaware | 715 | $ 141,942,000 | $ 198,520 | $ 68,000 |
| Philadelphia, Pennsylvania | 672 | $ 107,054,000 | $ 159,306 | $ 64,000 |
| Atlantic, New Jersey | 437 | $ 74,246,000 | $ 169,899 | $ 76,000 |
| Montgomery, Pennsylvania | 313 | $ 80,176,000 | $ 256,153 | $ 112,000 |
| Sussex, Delaware | 273 | $ 49,379,000 | $ 180,875 | $ 64,000 |
| Bucks, Pennsylvania | 265 | $ 67,652,000 | $ 255,290 | $ 102,000 |
| Chester, Pennsylvania | 207 | $ 60,396,000 | $ 291,768 | $ 130,000 |
| Berks, Pennsylvania | 194 | $ 31,665,000 | $ 163,221 | $ 58,000 |
| Cape May, New Jersey | 189 | $ 47,378,000 | $ 250,677 | $ 153,000 |
| Delaware, Pennsylvania | 186 | $ 37,841,000 | $ 203,446 | $ 83,000 |
| Camden, New Jersey | 117 | $ 20,201,000 | $ 172,658 | $ 110,000 |
| Burlington, New Jersey | 109 | $ 21,480,000 | $ 197,064 | $ 99,000 |
| Kent, Delaware | 101 | $ 17,927,000 | $ 177,495 | $ 55,000 |
| Gloucester, New Jersey | 100 | $ 20,897,000 | $ 208,970 | $ 95,000 |
| Lancaster, Pennsylvania | 84 | $ 14,864,000 | $ 176,952 | $ 72,000 |
| Cumberland, Pennsylvania | 78 | $ 15,425,000 | $ 197,756 | $ 87,000 |
| Centre, Pennsylvania | 76 | $ 13,451,000 | $ 176,986 | $ 79,000 |
| Ocean, New Jersey | 48 | $ 9,569,000 | $ 199,354 | $ 95,000 |
| York, Pennsylvania | 45 | $ 7,925,000 | $ 176,111 | $ 65,000 |
| Dauphin, Pennsylvania | 43 | $ 6,563,000 | $ 152,627 | $ 71,000 |
| Adams, Pennsylvania | 39 | $ 7,242,000 | $ 185,692 | $ 73,000 |
| Franklin, Pennsylvania | 24 | $ 4,000,000 | $ 166,666 | $ 74,000 |
| Cumberland, New Jersey | 21 | $ 3,580,000 | $ 170,476 | $ 56,000 |
| Lehigh, Pennsylvania | 21 | $ 5,680,000 | $ 270,476 | $ 81,000 |
| Monmouth, New Jersey | 20 | $ 6,254,000 | $ 312,700 | $ 98,000 |
| Mercer, New Jersey | 19 | $ 4,535,000 | $ 238,684 | $ 122,000 |
| Cecil, Maryland | 17 | $ 3,221,000 | $ 189,470 | $ 75,000 |
| Wicomico, Maryland | 17 | $ 2,588,000 | $ 152,235 | $ 57,000 |
| Northampton, Pennsylvania | 14 | $ 3,335,000 | $ 238,214 | $ 76,000 |
| Bergen, New Jersey | 12 | $ 4,263,000 | $ 355,250 | $ 117,000 |
| Middlesex, New Jersey | 12 | $ 3,292,000 | $ 274,333 | $ 85,000 |
| Salem, New Jersey | 12 | $ 2,338,000 | $ 194,833 | $ 89,000 |
| Somerset, New Jersey | 12 | $ 3,864,000 | $ 322,000 | $ 109,000 |
| Lebanon, Pennsylvania | 10 | $ 1,916,000 | $ 191,600 | $ 74,000 |
| Baltimore, Maryland | 9 | $ 2,493,000 | $ 277,000 | $ 78,000 |
| Queen Anne's, Maryland | 9 | $ 2,915,000 | $ 323,888 | $ 94,000 |
| Morris, New Jersey | 9 | $ 3,263,000 | $ 362,555 | $ 78,000 |
| Monroe, Pennsylvania | 9 | $ 1,002,000 | $ 111,333 | $ 93,000 |
| Schuylkill, Pennsylvania | 9 | $ 1,444,000 | $ 160,444 | $ 76,000 |
| Prince William, Virginia | 9 | $ 3,324,000 | $ 369,333 | $ 106,000 |
| Essex, New Jersey | 7 | $ 2,072,000 | $ 296,000 | $ 88,000 |
| Bradford, Pennsylvania | 7 | $ 842,000 | $ 120,285 | $ 40,000 |
| Mifflin, Pennsylvania | 7 | $ 765,000 | $ 109,285 | $ 60,000 |
| Fairfax, Virginia | 7 | $ 2,521,000 | $ 360,142 | $ 115,000 |
| Virginia Beach, Virginia | 7 | $ 1,949,000 | $ 278,428 | $ 113,000 |
| Anne Arundel, Maryland | 6 | $ 2,516,000 | $ 419,333 | $ 153,000 |
| Harford, Maryland | 6 | $ 1,695,000 | $ 282,500 | $ 87,000 |
| Prince George's, Maryland | 6 | $ 1,813,000 | $ 302,166 | $ 85,000 |
| Allegheny, Pennsylvania | 6 | $ 1,103,000 | $ 183,833 | $ 77,000 |
| Perry, Pennsylvania | 6 | $ 984,000 | $ 164,000 | $ 71,000 |
| Lee, Florida | 5 | $ 1,430,000 | $ 286,000 | $ 188,000 |
| Howard, Maryland | 5 | $ 1,314,000 | $ 262,800 | $ 100,000 |
| Kent, Maryland | 5 | $ 704,000 | $ 140,800 | $ 125,000 |
| Hudson, New Jersey | 5 | $ 1,398,000 | $ 279,600 | $ 93,000 |
| Blair, Pennsylvania | 5 | $ 759,000 | $ 151,800 | $ 64,000 |
| Columbia, Pennsylvania | 5 | $ 671,000 | $ 134,200 | $ 47,000 |
| Luzerne, Pennsylvania | 5 | $ 824,000 | $ 164,800 | $ 75,000 |
| Stafford, Virginia | 5 | $ 2,140,000 | $ 428,000 | $ 0 |
| Collier, Florida | 4 | $ 1,142,000 | $ 285,500 | $ 113,000 |
| Miami-Dade, Florida | 4 | $ 858,000 | $ 214,500 | $ 128,000 |
| Sarasota, Florida | 4 | $ 836,000 | $ 209,000 | $ 111,000 |
| Dorchester, Maryland | 4 | $ 467,000 | $ 116,750 | $ 67,000 |
| Montgomery, Maryland | 4 | $ 1,427,000 | $ 356,750 | $ 79,000 |
| Worcester, Maryland | 4 | $ 668,000 | $ 167,000 | $ 148,000 |
| Passaic, New Jersey | 4 | $ 1,198,000 | $ 299,500 | $ 117,000 |
| Suffolk, New York | 4 | $ 1,420,000 | $ 355,000 | $ 68,000 |
| Clearfield, Pennsylvania | 4 | $ 383,000 | $ 95,750 | $ 55,000 |
| District of Columbia, District Of Columbia | 3 | $ 1,432,000 | $ 477,333 | $ 122,000 |
| Broward, Florida | 3 | $ 699,000 | $ 233,000 | $ 77,000 |
| Pasco, Florida | 3 | $ 201,000 | $ 67,000 | $ 49,000 |
| Baltimore City, Maryland | 3 | $ 824,000 | $ 274,666 | $ 131,000 |
| Carroll, Maryland | 3 | $ 534,000 | $ 178,000 | $ 65,000 |
| Hunterdon, New Jersey | 3 | $ 844,000 | $ 281,333 | $ 102,000 |
| Kings, New York | 3 | $ 1,287,000 | $ 429,000 | $ 99,000 |
| Clinton, Pennsylvania | 3 | $ 466,000 | $ 155,333 | $ 79,000 |
| Huntingdon, Pennsylvania | 3 | $ 564,000 | $ 188,000 | $ 75,000 |
| Snyder, Pennsylvania | 3 | $ 460,000 | $ 153,333 | $ 83,000 |
| Franklin, Virginia | 3 | $ 776,000 | $ 258,666 | $ 127,000 |
| Henrico, Virginia | 3 | $ 541,000 | $ 180,333 | $ 81,000 |
| Alameda, California | 2 | $ 444,000 | $ 222,000 | $ 40,000 |
| Los Angeles, California | 2 | $ 4,085,000 | $ 2,042,500 | $ 30,000 |
| Orange, California | 2 | $ 1,535,000 | $ 767,500 | $ 0 |
| Charlotte, Florida | 2 | $ 456,000 | $ 228,000 | $ 153,000 |
| Hernando, Florida | 2 | $ 251,000 | $ 125,500 | $ 44,000 |
| Palm Beach, Florida | 2 | $ 505,000 | $ 252,500 | $ 153,000 |
| St. Lucie, Florida | 2 | $ 816,000 | $ 408,000 | $ 37,000 |
| DeKalb, Georgia | 2 | $ 237,000 | $ 118,500 | $ 70,000 |
| Cook, Illinois | 2 | $ 706,000 | $ 353,000 | $ 111,000 |
| York, Maine | 2 | $ 829,000 | $ 414,500 | $ 141,000 |
| Charles, Maryland | 2 | $ 571,000 | $ 285,500 | $ 79,000 |
| Somerset, Maryland | 2 | $ 314,000 | $ 157,000 | $ 51,000 |
| Union, New Jersey | 2 | $ 424,000 | $ 212,000 | $ 70,000 |
| Oneida, New York | 2 | $ 321,000 | $ 160,500 | $ 73,000 |
| Brunswick, North Carolina | 2 | $ 312,000 | $ 156,000 | $ 122,000 |
| Lycoming, Pennsylvania | 2 | $ 267,000 | $ 133,500 | $ 57,000 |
| Northumberland, Pennsylvania | 2 | $ 191,000 | $ 95,500 | $ 41,000 |
| Westmoreland, Pennsylvania | 2 | $ 378,000 | $ 189,000 | $ 71,000 |
| Norfolk, Virginia | 2 | $ 287,000 | $ 143,500 | $ 53,000 |
| Spotsylvania, Virginia | 2 | $ 784,000 | $ 392,000 | $ 122,000 |
| Mobile, Alabama | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Gila, Arizona | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| Maricopa, Arizona | 1 | $ 158,000 | $ 158,000 | $ 57,000 |
| Jefferson, Arkansas | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Sacramento, California | 1 | $ 329,000 | $ 329,000 | $ 141,000 |
| San Bernardino, California | 1 | $ 186,000 | $ 186,000 | $ 37,000 |
| San Diego, California | 1 | $ 437,000 | $ 437,000 | $ 89,000 |
| Weld, Colorado | 1 | $ 210,000 | $ 210,000 | $ 42,000 |
| New Haven, Connecticut | 1 | $ 319,000 | $ 319,000 | $ 90,000 |
| Brevard, Florida | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Highlands, Florida | 1 | $ 97,000 | $ 97,000 | $ 108,000 |
| Hillsborough, Florida | 1 | $ 184,000 | $ 184,000 | $ 48,000 |
| Manatee, Florida | 1 | $ 244,000 | $ 244,000 | $ 124,000 |
| Osceola, Florida | 1 | $ 266,000 | $ 266,000 | $ 192,000 |
| Pinellas, Florida | 1 | $ 146,000 | $ 146,000 | $ 30,000 |
| Sumter, Florida | 1 | $ 253,000 | $ 253,000 | $ 82,000 |
| Baker, Georgia | 1 | $ 331,000 | $ 331,000 | $ 0 |
| Barrow, Georgia | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Effingham, Georgia | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 189,000 | $ 189,000 | $ 210,000 |
| Gwinnett, Georgia | 1 | $ 330,000 | $ 330,000 | $ 107,000 |
| Dearborn, Indiana | 1 | $ 128,000 | $ 128,000 | $ 34,000 |
| Madison, Indiana | 1 | $ 106,000 | $ 106,000 | $ 33,000 |
| Vigo, Indiana | 1 | $ 132,000 | $ 132,000 | $ 83,000 |
| Finney, Kansas | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Johnson, Kansas | 1 | $ 232,000 | $ 232,000 | $ 63,000 |
| Scott, Kansas | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Sedgwick, Kansas | 1 | $ 51,000 | $ 51,000 | $ 62,000 |
| Ascension, Louisiana | 1 | $ 276,000 | $ 276,000 | $ 56,000 |
| Ouachita, Louisiana | 1 | $ 351,000 | $ 351,000 | $ 116,000 |
| Frederick, Maryland | 1 | $ 382,000 | $ 382,000 | $ 166,000 |
| St. Mary's, Maryland | 1 | $ 267,000 | $ 267,000 | $ 79,000 |
| Barnstable, Massachusetts | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 257,000 | $ 257,000 | $ 85,000 |
| Calhoun, Michigan | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Eaton, Michigan | 1 | $ 158,000 | $ 158,000 | $ 65,000 |
| Genesee, Michigan | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Kalamazoo, Michigan | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Livingston, Michigan | 1 | $ 189,000 | $ 189,000 | $ 51,000 |
| Macomb, Michigan | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Monroe, Michigan | 1 | $ 171,000 | $ 171,000 | $ 94,000 |
| Cass, Missouri | 1 | $ 66,000 | $ 66,000 | $ 25,000 |
| Jefferson, Missouri | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Yellowstone, Montana | 1 | $ 169,000 | $ 169,000 | $ 120,000 |
| Merrimack, New Hampshire | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 362,000 | $ 362,000 | $ 97,000 |
| Sussex, New Jersey | 1 | $ 206,000 | $ 206,000 | $ 76,000 |
| Columbia, New York | 1 | $ 240,000 | $ 240,000 | $ 200,000 |
| Erie, New York | 1 | $ 162,000 | $ 162,000 | $ 56,000 |
| Nassau, New York | 1 | $ 323,000 | $ 323,000 | $ 110,000 |
| Orange, New York | 1 | $ 310,000 | $ 310,000 | $ 205,000 |
| Queens, New York | 1 | $ 217,000 | $ 217,000 | $ 55,000 |
| Westchester, New York | 1 | $ 340,000 | $ 340,000 | $ 94,000 |
| Alamance, North Carolina | 1 | $ 199,000 | $ 199,000 | $ 49,000 |
| Cabarrus, North Carolina | 1 | $ 223,000 | $ 223,000 | $ 96,000 |
| Cumberland, North Carolina | 1 | $ 181,000 | $ 181,000 | $ 92,000 |
| Guilford, North Carolina | 1 | $ 238,000 | $ 238,000 | $ 73,000 |
| Harnett, North Carolina | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Lenoir, North Carolina | 1 | $ 226,000 | $ 226,000 | $ 0 |
| New Hanover, North Carolina | 1 | $ 240,000 | $ 240,000 | $ 130,000 |
| Onslow, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 1,689,000 |
| Pender, North Carolina | 1 | $ 224,000 | $ 224,000 | $ 135,000 |
| Transylvania, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 200,000 |
| Union, North Carolina | 1 | $ 147,000 | $ 147,000 | $ 100,000 |
| Wake, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ashtabula, Ohio | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Cuyahoga, Ohio | 1 | $ 370,000 | $ 370,000 | $ 222,000 |
| Scioto, Ohio | 1 | $ 162,000 | $ 162,000 | $ 63,000 |
| Rogers, Oklahoma | 1 | $ 401,000 | $ 401,000 | $ 98,000 |
| Bedford, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| Butler, Pennsylvania | 1 | $ 262,000 | $ 262,000 | $ 144,000 |
| Cambria, Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 19,000 |
| Carbon, Pennsylvania | 1 | $ 161,000 | $ 161,000 | $ 212,000 |
| Fulton, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Juniata, Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 20,000 |
| McKean, Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 36,000 |
| Mercer, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 82,000 |
| Pike, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Potter, Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 62,000 |
| Tioga, Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 32,000 |
| Union, Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 41,000 |
| Venango, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Washington, Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 133,000 |
| Wyoming, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Washington, Rhode Island | 1 | $ 323,000 | $ 323,000 | $ 70,000 |
| Anderson, South Carolina | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Horry, South Carolina | 1 | $ 70,000 | $ 70,000 | $ 67,000 |
| Kershaw, South Carolina | 1 | $ 113,000 | $ 113,000 | $ 49,000 |
| Greene, Tennessee | 1 | $ 300,000 | $ 300,000 | $ 70,000 |
| Hardin, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Marion, Tennessee | 1 | $ 850,000 | $ 850,000 | $ 174,000 |
| Montgomery, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 139,000 |
| Sevier, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Shelby, Tennessee | 1 | $ 172,000 | $ 172,000 | $ 66,000 |
| Bexar, Texas | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Lampasas, Texas | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Wilson, Texas | 1 | $ 210,000 | $ 210,000 | $ 151,000 |
| Windsor, Vermont | 1 | $ 93,000 | $ 93,000 | $ 50,000 |
| Alexandria, Virginia | 1 | $ 375,000 | $ 375,000 | $ 52,000 |
| Bedford, Virginia | 1 | $ 165,000 | $ 165,000 | $ 27,000 |
| Fauquier, Virginia | 1 | $ 323,000 | $ 323,000 | $ 127,000 |
| Gloucester, Virginia | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Hampton, Virginia | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Hanover, Virginia | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Henry, Virginia | 1 | $ 146,000 | $ 146,000 | $ 46,000 |
| Isle of Wight, Virginia | 1 | $ 137,000 | $ 137,000 | $ 82,000 |
| Loudoun, Virginia | 1 | $ 398,000 | $ 398,000 | $ 106,000 |
| Lunenburg, Virginia | 1 | $ 73,000 | $ 73,000 | $ 16,000 |
| Nottoway, Virginia | 1 | $ 119,000 | $ 119,000 | $ 59,000 |
| Pittsylvania, Virginia | 1 | $ 254,000 | $ 254,000 | $ 43,000 |
| Rockingham, Virginia | 1 | $ 220,000 | $ 220,000 | $ 74,000 |
| Thurston, Washington | 1 | $ 173,000 | $ 173,000 | $ 0 |
Mortgage Loan Application Detail Totals for Meridian Bank in 2015
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 | 3,566 | $688,427,000 | $193,000 | $2,800,000 | $82,000 | $1,773,000 |
| Refinancing | 1,238 | $291,681,000 | $235,000 | $3,750,000 | $87,000 | $1,412,000 |
| Home Improvement | 84 | $17,053,000 | $203,000 | $700,000 | $96,000 | $324,000 |
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 | 3,412 | $725,437,000 | $212,000 | $1,300,000 | $94,000 | $1,773,000 |
| Black or African American | 674 | $110,730,000 | $164,000 | $571,000 | $58,000 | $344,000 |
| Hispanic | 462 | $67,677,000 | $146,000 | $417,000 | $47,000 | $210,000 |
| Not Provided | 150 | $35,234,000 | $234,000 | $1,620,000 | $93,000 | $1,330,000 |
| Asian | 123 | $27,002,000 | $219,000 | $620,000 | $94,000 | $291,000 |
| Not applicable | 50 | $27,340,000 | $546,000 | $3,750,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $1,821,000 | $202,000 | $370,000 | $88,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,920,000 | $240,000 | $328,000 | $93,000 | $172,000 |
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) | 2,262 | $522,579,000 | $231,000 | $3,750,000 | $117,000 | $1,773,000 |
| FHA-insured (Federal Housing Administration) | 1,924 | $327,583,000 | $170,000 | $567,000 | $52,000 | $344,000 |
| VA-guaranteed (Veterans Administration) | 435 | $103,677,000 | $238,000 | $919,000 | $68,000 | $303,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 267 | $43,322,000 | $162,000 | $398,000 | $53,000 | $104,000 |
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 | 3,869 | $790,132,000 | $204,000 | $2,800,000 | $83,000 | $1,689,000 |
| Application Withdrawn By Applicant | 423 | $84,800,000 | $200,000 | $1,190,000 | $88,000 | $1,773,000 |
| Application Denied By Financial Institution | 385 | $76,915,000 | $199,000 | $3,750,000 | $81,000 | $1,412,000 |
| File Closed For Incompleteness | 150 | $31,396,000 | $209,000 | $625,000 | $84,000 | $700,000 |
| Loan Purchased By The Institution | 48 | $9,858,000 | $205,000 | $809,000 | $102,000 | $279,000 |
| Application Approved But Not Accepted | 13 | $4,060,000 | $312,000 | $1,200,000 | $96,000 | $263,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 148 | $29,337,000 | $198,000 | $920,000 | $97,000 | $1,412,000 |
| Collateral | 72 | $13,632,000 | $189,000 | $850,000 | $82,000 | $287,000 |
| Debt-To-Income Ratio | 53 | $10,799,000 | $203,000 | $1,240,000 | $71,000 | $394,000 |
| Credit History | 38 | $7,149,000 | $188,000 | $595,000 | $71,000 | $347,000 |
| Unverifiable Information | 17 | $2,794,000 | $164,000 | $406,000 | $76,000 | $249,000 |
| Other | 15 | $2,287,000 | $152,000 | $235,000 | $59,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,823,000 | $151,000 | $252,000 | $45,000 | $81,000 |
| Employment History | 6 | $1,115,000 | $185,000 | $408,000 | $59,000 | $97,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meridian Bank's 2015 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 Meridian 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.
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