Susquehanna Bank Mortgage Lending & HMDA Data, 2011
In 2011, Susquehanna Bank of Lancaster, PA reported 4,732 mortgage applications totaling $995.0 million. The average application was for $210,262, and applicants reported an average income of $93,715. 71% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Lancaster, PA (759), Philadelphia, PA (607) and York-Hanover, PA (539) (applications in parentheses).
| Mortgage Company & Address | Susquehanna Bank 1570 Manheim Pike Po Box 3300 Lancaster, PA 17604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,732 |
| Total Mortgage Loan Application Amount | $994,961,000 |
| Average Mortgage Loan Application Amount | $210,262 |
| Highest Mortgage Loan Application Amount | $4,875,000 |
| Average Applicant Income | $93,715 |
| Highest Applicant Income | $5,365,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Susquehanna Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lancaster, Pennsylvania | 759 | $ 114,349,000 | $ 150,657 | $ 73,000 |
| York, Pennsylvania | 539 | $ 76,819,000 | $ 142,521 | $ 65,000 |
| Montgomery, Pennsylvania | 269 | $ 57,919,000 | $ 215,312 | $ 107,000 |
| Northumberland, Pennsylvania | 193 | $ 15,325,000 | $ 79,404 | $ 50,000 |
| Berks, Pennsylvania | 191 | $ 29,095,000 | $ 152,329 | $ 109,000 |
| Dauphin, Pennsylvania | 175 | $ 27,377,000 | $ 156,440 | $ 69,000 |
| Adams, Pennsylvania | 160 | $ 25,439,000 | $ 158,993 | $ 63,000 |
| Franklin, Pennsylvania | 160 | $ 25,272,000 | $ 157,950 | $ 101,000 |
| Baltimore, Maryland | 158 | $ 51,960,000 | $ 328,860 | $ 138,000 |
| Lycoming, Pennsylvania | 143 | $ 14,930,000 | $ 104,405 | $ 62,000 |
| Washington, Maryland | 142 | $ 24,900,000 | $ 175,352 | $ 95,000 |
| Howard, Maryland | 125 | $ 78,039,000 | $ 624,312 | $ 189,000 |
| Chester, Pennsylvania | 110 | $ 28,277,000 | $ 257,063 | $ 92,000 |
| Schuylkill, Pennsylvania | 108 | $ 10,853,000 | $ 100,490 | $ 60,000 |
| Philadelphia, Pennsylvania | 93 | $ 35,519,000 | $ 381,924 | $ 132,000 |
| Atlantic, New Jersey | 86 | $ 28,677,000 | $ 333,453 | $ 120,000 |
| Camden, New Jersey | 85 | $ 10,984,000 | $ 129,223 | $ 51,000 |
| Berkeley, West Virginia | 80 | $ 10,701,000 | $ 133,762 | $ 41,000 |
| Bucks, Pennsylvania | 79 | $ 18,229,000 | $ 230,746 | $ 111,000 |
| Snyder, Pennsylvania | 74 | $ 10,516,000 | $ 142,108 | $ 70,000 |
| Cumberland, Pennsylvania | 72 | $ 13,358,000 | $ 185,527 | $ 119,000 |
| Carroll, Maryland | 68 | $ 17,502,000 | $ 257,382 | $ 109,000 |
| Cumberland, New Jersey | 59 | $ 7,999,000 | $ 135,576 | $ 55,000 |
| Delaware, Pennsylvania | 56 | $ 13,263,000 | $ 236,839 | $ 88,000 |
| Anne Arundel, Maryland | 48 | $ 30,254,000 | $ 630,291 | $ 121,000 |
| Lehigh, Pennsylvania | 42 | $ 5,828,000 | $ 138,761 | $ 59,000 |
| Gloucester, New Jersey | 36 | $ 5,852,000 | $ 162,555 | $ 61,000 |
| Burlington, New Jersey | 34 | $ 8,678,000 | $ 255,235 | $ 97,000 |
| Union, Pennsylvania | 34 | $ 7,402,000 | $ 217,705 | $ 110,000 |
| Harford, Maryland | 32 | $ 11,157,000 | $ 348,656 | $ 74,000 |
| Garrett, Maryland | 30 | $ 9,316,000 | $ 310,533 | $ 133,000 |
| Montgomery, Maryland | 30 | $ 24,486,000 | $ 816,200 | $ 298,000 |
| Lebanon, Pennsylvania | 30 | $ 5,145,000 | $ 171,500 | $ 67,000 |
| Allegany, Maryland | 27 | $ 2,086,000 | $ 77,259 | $ 68,000 |
| Bedford, Pennsylvania | 27 | $ 3,878,000 | $ 143,629 | $ 152,000 |
| Luzerne, Pennsylvania | 26 | $ 1,276,000 | $ 49,076 | $ 53,000 |
| Baltimore City, Maryland | 22 | $ 6,377,000 | $ 289,863 | $ 133,000 |
| Frederick, Maryland | 19 | $ 7,164,000 | $ 377,052 | $ 137,000 |
| Worcester, Maryland | 18 | $ 6,966,000 | $ 387,000 | $ 382,000 |
| Cape May, New Jersey | 17 | $ 9,778,000 | $ 575,176 | $ 281,000 |
| Northampton, Pennsylvania | 17 | $ 1,892,000 | $ 111,294 | $ 33,000 |
| Columbia, Pennsylvania | 15 | $ 3,294,000 | $ 219,600 | $ 54,000 |
| Loudoun, Virginia | 14 | $ 18,360,000 | $ 1,311,428 | $ 658,000 |
| Prince George's, Maryland | 11 | $ 6,550,000 | $ 595,454 | $ 210,000 |
| Queen Anne's, Maryland | 11 | $ 4,922,000 | $ 447,454 | $ 232,000 |
| Salem, New Jersey | 11 | $ 3,293,000 | $ 299,363 | $ 241,000 |
| Carbon, Pennsylvania | 10 | $ 944,000 | $ 94,400 | $ 37,000 |
| Fairfax, Virginia | 10 | $ 12,581,000 | $ 1,258,100 | $ 366,000 |
| Blair, Pennsylvania | 8 | $ 1,131,000 | $ 141,375 | $ 175,000 |
| Cecil, Maryland | 7 | $ 2,033,000 | $ 290,428 | $ 124,000 |
| Montour, Pennsylvania | 7 | $ 1,119,000 | $ 159,857 | $ 60,000 |
| Sussex, Delaware | 6 | $ 2,496,000 | $ 416,000 | $ 266,000 |
| Bradford, Pennsylvania | 6 | $ 3,085,000 | $ 514,166 | $ 148,000 |
| Juniata, Pennsylvania | 6 | $ 964,000 | $ 160,666 | $ 46,000 |
| Perry, Pennsylvania | 5 | $ 632,000 | $ 126,400 | $ 28,000 |
| Susquehanna, Pennsylvania | 5 | $ 722,000 | $ 144,400 | $ 69,000 |
| Jefferson, West Virginia | 5 | $ 1,151,000 | $ 230,200 | $ 38,000 |
| Morris, New Jersey | 4 | $ 942,000 | $ 235,500 | $ 89,000 |
| Ocean, New Jersey | 4 | $ 1,086,000 | $ 271,500 | $ 55,000 |
| Somerset, New Jersey | 4 | $ 924,000 | $ 231,000 | $ 57,000 |
| Huntingdon, Pennsylvania | 4 | $ 651,000 | $ 162,750 | $ 157,000 |
| Mifflin, Pennsylvania | 4 | $ 553,000 | $ 138,250 | $ 15,000 |
| Monroe, Pennsylvania | 4 | $ 503,000 | $ 125,750 | $ 98,000 |
| Kent, Delaware | 3 | $ 748,000 | $ 249,333 | $ 85,000 |
| Somerset, Maryland | 3 | $ 310,000 | $ 103,333 | $ 30,000 |
| Hunterdon, New Jersey | 3 | $ 899,000 | $ 299,666 | $ 184,000 |
| Centre, Pennsylvania | 3 | $ 3,130,000 | $ 1,043,333 | $ 17,000 |
| Clearfield, Pennsylvania | 3 | $ 451,000 | $ 150,333 | $ 56,000 |
| Fulton, Pennsylvania | 3 | $ 427,000 | $ 142,333 | $ 55,000 |
| Pike, Pennsylvania | 3 | $ 667,000 | $ 222,333 | $ 178,000 |
| Sullivan, Pennsylvania | 3 | $ 451,000 | $ 150,333 | $ 132,000 |
| Tioga, Pennsylvania | 3 | $ 5,070,000 | $ 1,690,000 | $ 34,000 |
| Preston, West Virginia | 3 | $ 258,000 | $ 86,000 | $ 59,000 |
| Calvert, Maryland | 2 | $ 1,629,000 | $ 814,500 | $ 85,000 |
| St. Mary's, Maryland | 2 | $ 583,000 | $ 291,500 | $ 296,000 |
| Mercer, New Jersey | 2 | $ 408,000 | $ 204,000 | $ 352,000 |
| Middlesex, New Jersey | 2 | $ 360,000 | $ 180,000 | $ 30,000 |
| Lackawanna, Pennsylvania | 2 | $ 299,000 | $ 149,500 | $ 1,023,000 |
| Potter, Pennsylvania | 2 | $ 342,000 | $ 171,000 | $ 179,000 |
| Wayne, Pennsylvania | 2 | $ 122,000 | $ 61,000 | $ 60,000 |
| Arlington, Virginia | 2 | $ 1,249,000 | $ 624,500 | $ 193,000 |
| Navajo, Arizona | 1 | $ 364,000 | $ 364,000 | $ 0 |
| New Castle, Delaware | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Collier, Florida | 1 | $ 1,860,000 | $ 1,860,000 | $ 1,108,000 |
| Columbia, Florida | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Indian River, Florida | 1 | $ 11,000 | $ 11,000 | $ 48,000 |
| Monroe, Florida | 1 | $ 95,000 | $ 95,000 | $ 243,000 |
| Sarasota, Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Caroline, Maryland | 1 | $ 167,000 | $ 167,000 | $ 78,000 |
| Dorchester, Maryland | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Kent, Maryland | 1 | $ 116,000 | $ 116,000 | $ 23,000 |
| Norfolk, Massachusetts | 1 | $ 717,000 | $ 717,000 | $ 106,000 |
| Essex, New Jersey | 1 | $ 352,000 | $ 352,000 | $ 99,000 |
| Union, New Jersey | 1 | $ 320,000 | $ 320,000 | $ 141,000 |
| Warren, New Jersey | 1 | $ 396,000 | $ 396,000 | $ 478,000 |
| Brunswick, North Carolina | 1 | $ 1,960,000 | $ 1,960,000 | $ 591,000 |
| Dare, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Hamilton, Ohio | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 51,000 |
| Butler, Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 320,000 |
| Clinton, Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 94,000 |
| Somerset, Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 74,000 |
| Horry, South Carolina | 1 | $ 270,000 | $ 270,000 | $ 77,000 |
| Dallas, Texas | 1 | $ 248,000 | $ 248,000 | $ 403,000 |
| Buckingham, Virginia | 1 | $ 153,000 | $ 153,000 | $ 40,000 |
| Caroline, Virginia | 1 | $ 148,000 | $ 148,000 | $ 50,000 |
| Clarke, Virginia | 1 | $ 59,000 | $ 59,000 | $ 99,000 |
| Prince William, Virginia | 1 | $ 200,000 | $ 200,000 | $ 625,000 |
| Warren, Virginia | 1 | $ 370,000 | $ 370,000 | $ 176,000 |
| Clark, Washington | 1 | $ 341,000 | $ 341,000 | $ 393,000 |
| Mineral, West Virginia | 1 | $ 76,000 | $ 76,000 | $ 37,000 |
| Ohio, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Tucker, West Virginia | 1 | $ 148,000 | $ 148,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Susquehanna Bank in 2011
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 | 2,338 | $517,396,000 | $221,000 | $4,875,000 | $87,000 | $4,199,000 |
| Refinancing | 1,816 | $435,063,000 | $239,000 | $4,650,000 | $108,000 | $5,365,000 |
| Home Improvement | 578 | $42,502,000 | $73,000 | $1,700,000 | $76,000 | $1,600,000 |
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 | 4,042 | $789,446,000 | $195,000 | $4,650,000 | $96,000 | $5,365,000 |
| Not Provided | 192 | $47,840,000 | $249,000 | $2,863,000 | $139,000 | $2,500,000 |
| Hispanic | 139 | $23,023,000 | $165,000 | $1,960,000 | $68,000 | $784,000 |
| Black or African American | 138 | $38,014,000 | $275,000 | $2,900,000 | $66,000 | $332,000 |
| Not applicable | 134 | $65,327,000 | $487,000 | $4,875,000 | $0 | $0 |
| Asian | 81 | $29,496,000 | $364,000 | $1,520,000 | $128,000 | $970,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,638,000 | $409,000 | $1,000,000 | $155,000 | $263,000 |
| American Indian or Alaskan Native | 2 | $177,000 | $88,000 | $167,000 | $60,000 | $66,000 |
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) | 3,962 | $870,801,000 | $219,000 | $4,875,000 | $102,000 | $5,365,000 |
| FHA-insured (Federal Housing Administration) | 506 | $80,551,000 | $159,000 | $575,000 | $57,000 | $380,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 183 | $25,621,000 | $140,000 | $308,000 | $41,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 81 | $17,988,000 | $222,000 | $917,000 | $61,000 | $326,000 |
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 | 3,344 | $722,523,000 | $216,000 | $4,875,000 | $111,000 | $5,365,000 |
| Application Denied By Financial Institution | 749 | $135,615,000 | $181,000 | $2,900,000 | $72,000 | $1,200,000 |
| Application Withdrawn By Applicant | 337 | $69,560,000 | $206,000 | $2,100,000 | $0 | $0 |
| Application Approved But Not Accepted | 203 | $40,040,000 | $197,000 | $960,000 | $89,000 | $806,000 |
| File Closed For Incompleteness | 77 | $23,545,000 | $305,000 | $1,800,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 20 | $3,265,000 | $163,000 | $520,000 | $43,000 | $175,000 |
| Loan Purchased By The Institution | 2 | $413,000 | $206,000 | $207,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 Susquehanna Bank's 2011 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 Susquehanna 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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