Susquehanna Bank Mortgage Lending & HMDA Data, 2009
In 2009, Susquehanna Bank of Lancaster, PA reported 5,500 mortgage applications totaling $988.7 million, down 11% from 2008. The average application was for $179,763, and applicants reported an average income of $82,126. 69% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Lancaster, PA (959), York-Hanover, PA (750) and Harrisburg-Carlisle, PA (513) (applications in parentheses).
| Mortgage Company & Address | Susquehanna Bank 1570 Manheim Pike Po Box 3300 Lancaster, PA 17601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 5,500 |
| Total Mortgage Loan Application Amount | $988,698,000 |
| Average Mortgage Loan Application Amount | $179,763 |
| Highest Mortgage Loan Application Amount | $25,005,000 |
| Average Applicant Income | $82,126 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Susquehanna Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 959 | $ 129,894,000 | $ 135,447 | $ 75,000 |
| York, Pennsylvania | 750 | $ 103,196,000 | $ 137,594 | $ 73,000 |
| Dauphin, Pennsylvania | 382 | $ 48,467,000 | $ 126,876 | $ 73,000 |
| Northumberland, Pennsylvania | 278 | $ 21,315,000 | $ 76,672 | $ 52,000 |
| Berks, Pennsylvania | 216 | $ 28,469,000 | $ 131,800 | $ 120,000 |
| Washington, Maryland | 201 | $ 43,289,000 | $ 215,368 | $ 84,000 |
| Adams, Pennsylvania | 200 | $ 29,328,000 | $ 146,640 | $ 66,000 |
| Franklin, Pennsylvania | 198 | $ 30,467,000 | $ 153,873 | $ 71,000 |
| Lycoming, Pennsylvania | 184 | $ 20,326,000 | $ 110,467 | $ 48,000 |
| Schuylkill, Pennsylvania | 172 | $ 12,661,000 | $ 73,610 | $ 53,000 |
| Cumberland, Pennsylvania | 120 | $ 36,002,000 | $ 300,016 | $ 58,000 |
| Snyder, Pennsylvania | 116 | $ 13,550,000 | $ 116,810 | $ 54,000 |
| Cumberland, New Jersey | 111 | $ 12,628,000 | $ 113,765 | $ 66,000 |
| Camden, New Jersey | 105 | $ 12,872,000 | $ 122,590 | $ 60,000 |
| Chester, Pennsylvania | 101 | $ 26,859,000 | $ 265,930 | $ 97,000 |
| Baltimore, Maryland | 78 | $ 33,555,000 | $ 430,192 | $ 115,000 |
| Howard, Maryland | 70 | $ 44,473,000 | $ 635,328 | $ 183,000 |
| Gloucester, New Jersey | 65 | $ 12,171,000 | $ 187,246 | $ 86,000 |
| Atlantic, New Jersey | 63 | $ 12,293,000 | $ 195,126 | $ 113,000 |
| Berkeley, West Virginia | 62 | $ 8,320,000 | $ 134,193 | $ 48,000 |
| Luzerne, Pennsylvania | 57 | $ 3,439,000 | $ 60,333 | $ 46,000 |
| Philadelphia, Pennsylvania | 55 | $ 25,849,000 | $ 469,981 | $ 71,000 |
| Montgomery, Pennsylvania | 54 | $ 12,768,000 | $ 236,444 | $ 89,000 |
| Carroll, Maryland | 52 | $ 11,524,000 | $ 221,615 | $ 68,000 |
| Lehigh, Pennsylvania | 48 | $ 6,289,000 | $ 131,020 | $ 96,000 |
| Union, Pennsylvania | 45 | $ 5,309,000 | $ 117,977 | $ 59,000 |
| Burlington, New Jersey | 44 | $ 33,321,000 | $ 757,295 | $ 122,000 |
| Lebanon, Pennsylvania | 44 | $ 8,370,000 | $ 190,227 | $ 84,000 |
| Allegany, Maryland | 43 | $ 2,805,000 | $ 65,232 | $ 93,000 |
| Bedford, Pennsylvania | 43 | $ 4,474,000 | $ 104,046 | $ 31,000 |
| Northampton, Pennsylvania | 40 | $ 4,901,000 | $ 122,525 | $ 54,000 |
| Baltimore City, Maryland | 39 | $ 16,945,000 | $ 434,487 | $ 100,000 |
| Anne Arundel, Maryland | 34 | $ 14,782,000 | $ 434,764 | $ 140,000 |
| Worcester, Maryland | 33 | $ 12,117,000 | $ 367,181 | $ 147,000 |
| Prince George's, Maryland | 31 | $ 20,079,000 | $ 647,709 | $ 156,000 |
| Delaware, Pennsylvania | 31 | $ 7,510,000 | $ 242,258 | $ 154,000 |
| Garrett, Maryland | 28 | $ 3,786,000 | $ 135,214 | $ 130,000 |
| Harford, Maryland | 19 | $ 4,520,000 | $ 237,894 | $ 100,000 |
| Cape May, New Jersey | 19 | $ 8,042,000 | $ 423,263 | $ 228,000 |
| Columbia, Pennsylvania | 19 | $ 2,319,000 | $ 122,052 | $ 39,000 |
| Sussex, Delaware | 18 | $ 5,744,000 | $ 319,111 | $ 118,000 |
| Carbon, Pennsylvania | 16 | $ 857,000 | $ 53,562 | $ 50,000 |
| Montgomery, Maryland | 15 | $ 14,743,000 | $ 982,866 | $ 363,000 |
| Montour, Pennsylvania | 15 | $ 1,207,000 | $ 80,466 | $ 86,000 |
| Queen Anne's, Maryland | 14 | $ 4,802,000 | $ 343,000 | $ 90,000 |
| Perry, Pennsylvania | 11 | $ 986,000 | $ 89,636 | $ 91,000 |
| Frederick, Maryland | 10 | $ 4,019,000 | $ 401,900 | $ 542,000 |
| Salem, New Jersey | 10 | $ 18,029,000 | $ 1,802,900 | $ 69,000 |
| Bucks, Pennsylvania | 8 | $ 1,662,000 | $ 207,750 | $ 33,000 |
| Cecil, Maryland | 7 | $ 1,044,000 | $ 149,142 | $ 85,000 |
| Mineral, West Virginia | 7 | $ 683,000 | $ 97,571 | $ 141,000 |
| Blair, Pennsylvania | 6 | $ 3,811,000 | $ 635,166 | $ 330,000 |
| Fulton, Pennsylvania | 6 | $ 410,000 | $ 68,333 | $ 78,000 |
| Jefferson, West Virginia | 6 | $ 1,620,000 | $ 270,000 | $ 48,000 |
| Kent, Delaware | 5 | $ 1,075,000 | $ 215,000 | $ 65,000 |
| New Castle, Delaware | 5 | $ 2,115,000 | $ 423,000 | $ 113,000 |
| Westmoreland, Pennsylvania | 5 | $ 399,000 | $ 79,800 | $ 58,000 |
| Fairfax, Virginia | 5 | $ 5,443,000 | $ 1,088,600 | $ 237,000 |
| Morgan, West Virginia | 5 | $ 889,000 | $ 177,800 | $ 73,000 |
| Ocean, New Jersey | 4 | $ 2,240,000 | $ 560,000 | $ 206,000 |
| Clearfield, Pennsylvania | 4 | $ 510,000 | $ 127,500 | $ 75,000 |
| Clinton, Pennsylvania | 4 | $ 1,189,000 | $ 297,250 | $ 88,000 |
| Juniata, Pennsylvania | 4 | $ 613,000 | $ 153,250 | $ 49,000 |
| Monroe, Pennsylvania | 4 | $ 754,000 | $ 188,500 | $ 89,000 |
| Sullivan, Pennsylvania | 4 | $ 707,000 | $ 176,750 | $ 199,000 |
| Tioga, Pennsylvania | 4 | $ 454,000 | $ 113,500 | $ 82,000 |
| Preston, West Virginia | 4 | $ 396,000 | $ 99,000 | $ 52,000 |
| St. Mary's, Maryland | 3 | $ 1,174,000 | $ 391,333 | $ 133,000 |
| Huntingdon, Pennsylvania | 3 | $ 663,000 | $ 221,000 | $ 187,000 |
| Mifflin, Pennsylvania | 3 | $ 273,000 | $ 91,000 | $ 38,000 |
| Somerset, Pennsylvania | 3 | $ 242,000 | $ 80,666 | $ 36,000 |
| Horry, South Carolina | 3 | $ 466,000 | $ 155,333 | $ 73,000 |
| Loudoun, Virginia | 3 | $ 5,038,000 | $ 1,679,333 | $ 2,702,000 |
| District of Columbia, District Of Columbia | 2 | $ 427,000 | $ 213,500 | $ 84,000 |
| Charles, Maryland | 2 | $ 1,085,000 | $ 542,500 | $ 256,000 |
| Essex, New Jersey | 2 | $ 330,000 | $ 165,000 | $ 137,000 |
| Mercer, New Jersey | 2 | $ 633,000 | $ 316,500 | $ 134,000 |
| Morris, New Jersey | 2 | $ 1,180,000 | $ 590,000 | $ 809,000 |
| Allegheny, Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 37,000 |
| Cambria, Pennsylvania | 2 | $ 327,000 | $ 163,500 | $ 94,000 |
| Centre, Pennsylvania | 2 | $ 579,000 | $ 289,500 | $ 119,000 |
| Lackawanna, Pennsylvania | 2 | $ 40,000 | $ 20,000 | $ 21,000 |
| Potter, Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 180,000 |
| Broward, Florida | 1 | $ 652,000 | $ 652,000 | $ 385,000 |
| Duval, Florida | 1 | $ 252,000 | $ 252,000 | $ 710,000 |
| Lee, Florida | 1 | $ 480,000 | $ 480,000 | $ 836,000 |
| Monroe, Florida | 1 | $ 279,000 | $ 279,000 | $ 180,000 |
| Somerset, Maryland | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Monmouth, New Jersey | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Union, New Jersey | 1 | $ 417,000 | $ 417,000 | $ 113,000 |
| Guilford, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 439,000 |
| Multnomah, Oregon | 1 | $ 235,000 | $ 235,000 | $ 46,000 |
| Bradford, Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 47,000 |
| McKean, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Pike, Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 30,000 |
| Orangeburg, South Carolina | 1 | $ 61,000 | $ 61,000 | $ 71,000 |
| Essex, Virginia | 1 | $ 312,000 | $ 312,000 | $ 128,000 |
| Powhatan, Virginia | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Westmoreland, Virginia | 1 | $ 120,000 | $ 120,000 | $ 45,000 |
| Hampshire, West Virginia | 1 | $ 371,000 | $ 371,000 | $ 112,000 |
| Tucker, West Virginia | 1 | $ 90,000 | $ 90,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for Susquehanna Bank in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 2,327 | $388,258,000 | $166,000 | $2,400,000 | $89,000 | $9,999,000 |
| Home Purchase | 2,320 | $550,513,000 | $237,000 | $25,005,000 | $83,000 | $4,653,000 |
| Home Improvement | 853 | $49,927,000 | $58,000 | $960,000 | $61,000 | $1,000,000 |
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 | 4,670 | $722,484,000 | $154,000 | $3,100,000 | $82,000 | $9,999,000 |
| Not applicable | 221 | $143,746,000 | $650,000 | $25,005,000 | $0 | $0 |
| Not Provided | 199 | $26,532,000 | $133,000 | $981,000 | $178,000 | $2,473,000 |
| Black or African American | 181 | $55,939,000 | $309,000 | $2,800,000 | $88,000 | $775,000 |
| Hispanic | 170 | $19,408,000 | $114,000 | $560,000 | $51,000 | $867,000 |
| Asian | 49 | $18,398,000 | $375,000 | $1,520,000 | $158,000 | $1,288,000 |
| American Indian or Alaskan Native | 5 | $465,000 | $93,000 | $145,000 | $41,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,726,000 | $345,000 | $1,170,000 | $243,000 | $600,000 |
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) | 4,593 | $844,585,000 | $183,000 | $25,005,000 | $87,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 692 | $108,285,000 | $156,000 | $717,000 | $56,000 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 133 | $19,436,000 | $146,000 | $283,000 | $45,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 82 | $16,392,000 | $199,000 | $813,000 | $58,000 | $270,000 |
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 | 3,799 | $711,231,000 | $187,000 | $25,005,000 | $90,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,007 | $147,575,000 | $146,000 | $15,900,000 | $73,000 | $6,806,000 |
| Application Approved But Not Accepted | 322 | $58,264,000 | $180,000 | $3,100,000 | $103,000 | $4,653,000 |
| Application Withdrawn By Applicant | 307 | $59,140,000 | $192,000 | $2,500,000 | $0 | $0 |
| File Closed For Incompleteness | 38 | $8,740,000 | $230,000 | $1,173,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 27 | $3,748,000 | $138,000 | $387,000 | $50,000 | $213,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 2009 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
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