Applications / Mortgage Analytics / Lenders / Pennsylvania / American Bank
Allentown, PA · State member bank · FRS · $1.1 billion assets · 70 loans in 2025
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70
loans originated, 2025
76
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank lends mostly to home buyers in the Lehigh Valley, and its loans are much larger than those of similar banks.
Home purchases made up 67.1% of its loans. Its typical loan was $320,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), higher than about four in five of them. Jumbo loans, those larger than the conforming limit, were 6.8% of its lending, against 2.0% at peers.
Its loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) rose to 28.6% from 11.1%, against 17.4% at peers. Loans in majority-minority areas rose to 20.0% from 4.8%. On 70 loans a few loans move these shares, so one year's rise is too small to read much into. Borrowers with low and moderate incomes took 21.7%, below peers' 26.8%, possibly because its loans are larger.
It made 70 loans, 11% more than in 2024, close to the 9% rise at similar banks. That is a long way below the 196 it made in 2021.
In Allentown-Bethlehem-Easton it ranked 56 of 521 lenders, with 0.5% of the market, down from 0.7%. CrossCountry Mortgage led. With so few loans, a handful more or fewer moves its share.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Bank took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.1% · Refinance 24.3% · Home improvement 7.1% · Other 1.4%
Conventional 100.0% · of 70 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 69 | 98.6% |
| New Jersey | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Allentown-Bethlehem-Easton | 54 |
| Montgomery County-Bucks County-Chester County | 6 |
| Philadelphia | 3 |
| Reading | 3 |
| Newark | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000V0CXKSOK29E51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2580243 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22580243 | 1999–2017 |
Established 2 June 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: American Bank's data.
American Bank's data
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