Meridian Bank Mortgage Lending & HMDA Data, 2014
In 2014, Meridian Bank of Malvern, PA reported 3,636 mortgage applications totaling $737.7 million, down 8% from 2013. The average application was for $202,889, and applicants reported an average income of $86,678. 77% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (641), Philadelphia, PA (605) and Wilmington, DE-MD-NJ (465) (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 | 3,636 |
| Total Mortgage Loan Application Amount | $737,708,000 |
| Average Mortgage Loan Application Amount | $202,889 |
| Highest Mortgage Loan Application Amount | $7,900,000 |
| Average Applicant Income | $86,678 |
| Highest Applicant Income | $1,000,000 |
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Act (HMDA) records Meridian Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County-Bucks County-Chester County, PA | 641 | $ 157,529,000 | $ 245,755 | $ 112,000 |
| Philadelphia, PA | 605 | $ 122,335,000 | $ 202,206 | $ 73,000 |
| Wilmington, DE-MD-NJ | 465 | $ 92,577,000 | $ 199,090 | $ 75,189 |
| Atlantic City-Hammonton, NJ | 293 | $ 48,946,000 | $ 167,051 | $ 81,000 |
| Camden, NJ | 247 | $ 48,456,000 | $ 196,178 | $ 95,000 |
| Salisbury, MD-DE | 227 | $ 40,239,000 | $ 177,264 | $ 63,431 |
| Reading, PA | 168 | $ 25,884,000 | $ 154,071 | $ 74,000 |
| Harrisburg-Carlisle, PA | 115 | $ 17,712,000 | $ 154,017 | $ 70,000 |
| Lancaster, PA | 95 | $ 16,084,000 | $ 169,305 | $ 77,000 |
| Ocean City, NJ | 90 | $ 23,688,000 | $ 263,200 | $ 148,000 |
| New York-Jersey City-White Plains, NY-NJ | 89 | $ 24,997,000 | $ 280,865 | $ 113,516 |
| Dover, DE | 82 | $ 14,971,000 | $ 182,573 | $ 62,000 |
| State College, PA | 52 | $ 9,660,000 | $ 185,769 | $ 74,000 |
| York-Hanover, PA | 41 | $ 6,311,000 | $ 153,926 | $ 76,000 |
| Gettysburg, PA | 38 | $ 5,827,000 | $ 153,342 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 31 | $ 6,674,000 | $ 215,290 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 29 | $ 10,667,000 | $ 367,827 | $ 158,344 |
| Newark, NJ-PA | 24 | $ 5,387,000 | $ 224,458 | $ 112,750 |
| Baltimore-Columbia-Towson, MD | 22 | $ 6,420,000 | $ 291,818 | $ 158,000 |
| Trenton, NJ | 18 | $ 4,329,000 | $ 240,500 | $ 107,000 |
| Chambersburg-Waynesboro, PA | 17 | $ 2,759,000 | $ 162,294 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 3,650,000 | $ 214,705 | $ 83,000 |
| Vineland-Bridgeton, NJ | 15 | $ 2,325,000 | $ 155,000 | $ 66,000 |
| Pittsburgh, PA | 13 | $ 2,619,000 | $ 201,461 | $ 90,000 |
| Lebanon, PA | 10 | $ 1,578,000 | $ 157,800 | $ 70,000 |
| East Stroudsburg, PA | 9 | $ 1,197,000 | $ 133,000 | $ 57,000 |
| Bloomsburg-Berwick, PA | 6 | $ 1,010,000 | $ 168,333 | $ 80,000 |
| Silver Spring-Frederick-Rockville, MD | 5 | $ 2,178,000 | $ 435,600 | $ 117,000 |
| Altoona, PA | 4 | $ 490,000 | $ 122,500 | $ 64,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 684,000 | $ 171,000 | $ 98,000 |
| Raleigh, NC | 4 | $ 507,000 | $ 126,750 | $ 99,000 |
| Richmond, VA | 4 | $ 609,000 | $ 152,250 | $ 43,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 647,000 | $ 161,750 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 722,000 | $ 240,666 | $ 80,000 |
| Jacksonville, FL | 3 | $ 679,000 | $ 226,333 | $ 188,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 857,000 | $ 285,666 | $ 89,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 536,000 | $ 178,666 | $ 109,000 |
| Nassau County-Suffolk County, NY | 3 | $ 1,014,000 | $ 338,000 | $ 83,000 |
| Norwich-New London, CT | 3 | $ 602,000 | $ 200,666 | $ 72,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 600,000 | $ 200,000 | $ 70,000 |
| Tucson, AZ | 3 | $ 726,000 | $ 242,000 | $ 43,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 596,000 | $ 298,000 | $ 43,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 352,000 | $ 176,000 | $ 103,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 346,000 | $ 173,000 | $ 47,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 348,000 | $ 174,000 | $ 32,000 |
| Knoxville, TN | 2 | $ 365,000 | $ 182,500 | $ 55,000 |
| Memphis, TN-MS-AR | 2 | $ 272,000 | $ 136,000 | $ 38,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 293,000 | $ 146,500 | $ 55,000 |
| New Orleans-Metairie, LA | 2 | $ 370,000 | $ 185,000 | $ 72,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 699,000 | $ 349,500 | $ 128,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 334,000 | $ 167,000 | $ 71,000 |
| Barnstable Town, MA | 1 | $ 157,000 | $ 157,000 | $ 76,000 |
| Baton Rouge, LA | 1 | $ 247,000 | $ 247,000 | $ 78,000 |
| Binghamton, NY | 1 | $ 198,000 | $ 198,000 | $ 99,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 405,000 | $ 405,000 | $ 358,000 |
| Burlington, NC | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 412,000 | $ 412,000 | $ 114,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 92,000 | $ 92,000 | $ 43,000 |
| Charleston, WV | 1 | $ 363,000 | $ 363,000 | $ 127,000 |
| Charleston-North Charleston, SC | 1 | $ 410,000 | $ 410,000 | $ 189,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 291,000 | $ 291,000 | $ 113,000 |
| Clarksville, TN-KY | 1 | $ 326,000 | $ 326,000 | $ 86,000 |
| Columbus, OH | 1 | $ 74,000 | $ 74,000 | $ 84,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Erie, PA | 1 | $ 127,000 | $ 127,000 | $ 41,000 |
| Flagstaff, AZ | 1 | $ 356,000 | $ 356,000 | $ 54,000 |
| Greensboro-High Point, NC | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Greenville, NC | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 151,000 | $ 151,000 | $ 46,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 190,000 | $ 190,000 | $ 55,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 249,000 | $ 249,000 | $ 160,000 |
| Kalamazoo-Portage, MI | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Kansas City, MO-KS | 1 | $ 208,000 | $ 208,000 | $ 43,000 |
| Lafayette, LA | 1 | $ 360,000 | $ 360,000 | $ 325,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 135,000 | $ 135,000 | $ 98,000 |
| New Haven-Milford, CT | 1 | $ 73,000 | $ 73,000 | $ 59,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 250,000 | $ 250,000 | $ 63,000 |
| Providence-Warwick, RI-MA | 1 | $ 160,000 | $ 160,000 | $ 140,000 |
| Punta Gorda, FL | 1 | $ 166,000 | $ 166,000 | $ 129,000 |
| Roanoke, VA | 1 | $ 129,000 | $ 129,000 | $ 33,000 |
| Rochester, NY | 1 | $ 332,000 | $ 332,000 | $ 165,000 |
| Rockingham County-Strafford County, NH | 1 | $ 336,000 | $ 336,000 | $ 132,000 |
| Saginaw, MI | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| San Antonio-New Braunfels, TX | 1 | $ 331,000 | $ 331,000 | $ 111,000 |
| San Diego-Carlsbad, CA | 1 | $ 335,000 | $ 335,000 | $ 62,000 |
| Sebastian-Vero Beach, FL | 1 | $ 152,000 | $ 152,000 | $ 207,000 |
| Sioux Falls, SD | 1 | $ 126,000 | $ 126,000 | $ 50,000 |
| The Villages, FL | 1 | $ 182,000 | $ 182,000 | $ 177,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 170,000 | $ 170,000 | $ 64,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 200,000 | $ 200,000 | $ 167,000 |
| Wichita, KS | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Wilmington, NC | 1 | $ 162,000 | $ 162,000 | $ 135,000 |
| Winston-Salem, NC | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 322,000 | $ 322,000 | $ 0 |
Mortgage Loan Application Detail Totals for Meridian Bank 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 | 2,823 | $557,845,000 | $197,000 | $7,900,000 | $83,000 | $1,000,000 |
| Refinancing | 757 | $168,478,000 | $222,000 | $1,450,000 | $102,000 | $845,000 |
| Home Improvement | 56 | $11,385,000 | $203,000 | $950,000 | $65,000 | $335,000 |
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 | 2,600 | $533,542,000 | $205,000 | $1,000,000 | $95,000 | $1,000,000 |
| Black or African American | 474 | $77,857,000 | $164,000 | $580,000 | $58,000 | $376,000 |
| Hispanic | 240 | $37,712,000 | $157,000 | $482,000 | $57,000 | $260,000 |
| Asian | 118 | $27,381,000 | $232,000 | $770,000 | $112,000 | $845,000 |
| Not Provided | 114 | $24,789,000 | $217,000 | $753,000 | $97,000 | $660,000 |
| Not applicable | 79 | $34,772,000 | $440,000 | $7,900,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,311,000 | $145,000 | $269,000 | $81,000 | $197,000 |
| American Indian or Alaskan Native | 2 | $344,000 | $172,000 | $204,000 | $58,000 | $65,000 |
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) | 1,911 | $434,364,000 | $227,000 | $7,900,000 | $110,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 1,096 | $178,945,000 | $163,000 | $625,000 | $58,000 | $498,000 |
| VA-guaranteed (Veterans Administration) | 346 | $78,381,000 | $226,000 | $856,000 | $72,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 283 | $46,018,000 | $162,000 | $388,000 | $53,000 | $98,000 |
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 | 2,804 | $556,731,000 | $198,000 | $2,440,000 | $85,000 | $814,000 |
| Application Denied By Financial Institution | 408 | $87,516,000 | $214,000 | $905,000 | $98,000 | $1,000,000 |
| Application Withdrawn By Applicant | 250 | $57,864,000 | $231,000 | $7,900,000 | $88,000 | $640,000 |
| File Closed For Incompleteness | 152 | $30,509,000 | $200,000 | $790,000 | $87,000 | $573,000 |
| Application Approved But Not Accepted | 17 | $3,615,000 | $212,000 | $600,000 | $84,000 | $226,000 |
| Loan Purchased By The Institution | 5 | $1,473,000 | $294,000 | $412,000 | $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 Meridian Bank'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 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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