|
| Location |
Lycoming County PA
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 5,747 |
| Total Amount of All Mortgage Loans Applied For | $581,715,000 |
| Average Mortgage Loan Amount Applied For | $101,000 |
| Highest Mortgage Loan Amount Applied For | $8,327,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $2,380,000 |
|
|
|
| Home Improvement |
1,016 | $40,609,000 |
$39,000 | $1,300,000 |
$62,000 | $1,700,000 |
| Home Purchase |
1,674 | $206,019,000 |
$123,000 | $8,327,000 |
$62,000 | $880,000 |
| Refinancing |
3,057 | $335,087,000 |
$109,000 | $3,200,000 |
$61,000 | $2,380,000 |
|
| American Indian or Alaskan Native |
9 | $710,000 |
$78,000 | $125,000 |
$75,000 | $281,000 |
| Asian |
14 | $1,332,000 |
$95,000 | $259,000 |
$53,000 | $150,000 |
| Black or African American |
72 | $5,460,000 |
$75,000 | $380,000 |
$70,000 | $1,629,000 |
| Hispanic |
34 | $4,233,000 |
$124,000 | $320,000 |
$68,000 | $122,000 |
| Native Hawaiin or Other Pacific Islander |
3 | $384,000 |
$128,000 | $250,000 |
$106,000 | $176,000 |
| Not applicable |
231 | $50,995,000 |
$220,000 | $8,327,000 |
$13,000 | $140,000 |
| Not Provided |
422 | $44,111,000 |
$104,000 | $420,000 |
$62,000 | $295,000 |
| White |
4,962 | $474,490,000 |
$95,000 | $3,200,000 |
$64,000 | $2,380,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
4,919 | $482,916,000 |
$98,000 | $8,327,000 |
$64,000 | $2,380,000 |
| FHA-insured (Federal Housing Administration) |
740 | $87,519,000 |
$118,000 | $271,000 |
$50,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
26 | $2,641,000 |
$101,000 | $161,000 |
$38,000 | $59,000 |
| VA-guaranteed (Veterans Administration) |
62 | $8,639,000 |
$139,000 | $398,000 |
$46,000 | $130,000 |
|
| Application Approved But Not Accepted |
363 | $30,943,000 |
$85,000 | $475,000 |
$60,000 | $800,000 |
| Application Denied By Financial Institution |
1,359 | $128,246,000 |
$94,000 | $950,000 |
$57,000 | $2,380,000 |
| Application Withdrawn By Applicant |
547 | $64,945,000 |
$118,000 | $1,360,000 |
$70,000 | $1,336,000 |
| File Closed For Incompleteness |
87 | $17,753,000 |
$204,000 | $8,327,000 |
$58,000 | $191,000 |
| Loan Originated |
2,916 | $282,495,000 |
$96,000 | $8,327,000 |
$65,000 | $1,700,000 |
| Loan Purchased By The Institution |
475 | $57,333,000 |
$120,000 | $486,000 |
$44,000 | $305,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
119 | $13,821,000 |
$116,000 | $390,000 |
$76,000 | $369,000 |
| Credit Application Incomplete |
27 | $2,707,000 |
$100,000 | $371,000 |
$68,000 | $392,000 |
| Credit History |
190 | $10,991,000 |
$57,000 | $240,000 |
$46,000 | $169,000 |
| Debt-To-Income Ratio |
104 | $9,537,000 |
$91,000 | $337,000 |
$44,000 | $220,000 |
| Employment History |
5 | $374,000 |
$74,000 | $117,000 |
$52,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
14 | $1,290,000 |
$92,000 | $186,000 |
$50,000 | $89,000 |
| Mortgage Insurance Denied |
3 | $255,000 |
$85,000 | $145,000 |
$47,000 | $76,000 |
| Other |
32 | $3,427,000 |
$107,000 | $325,000 |
$54,000 | $152,000 |
| Unverifiable Information |
11 | $1,020,000 |
$92,000 | $240,000 |
$48,000 | $185,000 |
|
|