Armstrong County, PA Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 2,445 mortgage applications in Armstrong County, PA totaling $284.1 million, down 3% from 2012. The average application was for $116,000, and applicants reported an average income of $66,000. 54% of applications resulted in an originated loan and 24% were denied. The most active lender was Nextier Bank, National Association, with 218 applications, followed by S&T Bank and Wells Fargo Bank NA.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,445
Total Mortgage Loan Application Amount $284,064,000
Average Mortgage Loan Application Amount $116,000
Highest Mortgage Loan Application Amount $55,179,000
Average Applicant Income $66,000
Highest Applicant Income $1,687,000

Mortgage Company List for Lending in Armstrong County, PA for 2013

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Nextier Bank, National Association
245 PITTSBURGH RD
KITTANNING, PA 16201
* $ 395,520,000 218 $ 20,622,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 4,381,109,000 178 $ 12,300,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 159 $ 18,576,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 11,842,395,000 130 $ 9,269,000
Armstrong County Building and Loan Association
935 5TH AVENUE
FORD CITY, PA 16226
* $ 86,798,000 123 $ 12,039,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 108 $ 12,250,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 101 $ 9,127,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 5,944,882,000 100 $ 5,943,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 7,965,348,000 73 $ 5,652,000
Armstrong Associates Federal Credit Union
414 FORD ST. P.O. BOX 191
FORD CITY, PA 16226
* $ 52,746,000 72 $ 2,645,000
Elderton State Bank
143 NORTH MAIN STREET, P.O. BOX 427
ELDERTON, PA 15736
* $ 198,585,000 70 $ 4,961,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,674,748,000 57 $ 5,779,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 34,091,216,000 55 $ 2,841,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 47 $ 5,420,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 41 $ 4,873,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ 10,000,000 38 $ 4,294,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 34 $ 3,446,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 29 $ 3,016,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 29 $ 2,936,000
Armco Credit Union
PO BOX 1589
BUTLER, PA 16003
* $ 273,070,000 29 $ 1,574,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 26 $ 2,252,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 26 $ 4,701,000
West Penn Financial Service Center, Inc.
2250 BABCOCK BLVD
PITTSBURGH, PA 15237
* $ 10,000,000 25 $ 2,535,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 55,954,625,000 25 $ 1,998,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 104,823,994,000 25 $ 3,286,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 23 $ 1,853,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 23 $ 2,948,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 23 $ 2,330,000
Marion Center Bank
1271 INDIAN SPRINGS RD
INDIANA, PA 15701
* $ 282,939,000 22 $ 1,488,000
The Farmers National Bank of Emlenton
612 MAIN STREET, PO DRAWER D
EMLENTON, PA 16373
* $ 507,595,000 15 $ 975,000
Nextier Bank, NA
245 PITTSBURGH ROAD
BUTLER, PA 16001
* $ 516,010,000 15 $ 1,626,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 4,004,852,000 15 $ 1,045,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 13 $ 1,462,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 12 $ 1,170,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 12 $ 1,664,000
Apollo Trust Company
PO BOX 247
APOLLO, PA 15613
* $ 151,017,000 12 $ 968,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 12 $ 1,430,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 11 $ 1,505,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 789,202,000 11 $ 450,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 4,932,825,000 11 $ 160,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 11 $ 1,437,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 11 $ 1,207,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 11 $ 315,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 10 $ 1,244,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 10 $ 973,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 9 $ 1,271,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 9 $ 777,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 1,292,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 9 $ 970,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 8 $ 1,031,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 8 $ 855,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 8 $ 1,072,000
Northwest Consumer Discount Co., Inc.
151B PITTSBURGH ROAD
BUTLER, PA 16003
* $ 8,148,155,000 7 $ 156,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 7 $ 779,000
Agchoice Farm Credit Aca
300 WINDING CREEK BLVD
MECHANICSBURG, PA 17050
* $ 12,000,000 6 $ 947,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 562,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 6 $ 791,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 617,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 6 $ 824,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 6 $ 1,101,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 609,000
Usx Federal Credit Union
PO BOX 1728
CRANBERRY TWP., PA 16066
* $ 198,674,000 6 $ 419,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 5 $ 515,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 5 $ 721,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 5 $ 84,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 5 $ 571,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 4 $ 560,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 4 $ 304,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 465,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 4 $ 306,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 975,223,000 4 $ 902,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 4 $ 167,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 4 $ 522,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 553,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 331,000
Midwest Loan Solutions, Inc.
29777 TELEGRAPH RD. SUITE 3580
SOUTHFIELD, MI 48034
* $ 46,200,000 3 $ 178,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 3 $ 244,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 36,871,280,000 3 $ 216,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 3 $ 233,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 429,180,000 3 $ 447,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 301,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 325,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 3 $ 549,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 1,748,928,000 3 $ 727,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,701,612,000 3 $ 149,000
SSB Bank
8700 PERRY HIGHWAY
PITTSBURGH, PA 15237
* $ 90,663,000 2 $ 284,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 2 $ 268,000
Aurora Financial Group Inc
301 HARPER DRIVE SUITE 110
MOORESTOWN, NJ 08057
* $ 10,000,000 2 $ 255,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ 3,700,000 2 $ 346,000
Sail Mortgage Corp

SEVEN FIELDS, PA 16046
* $ 12,309,000 2 $ 518,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 2 $ 338,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 312,000
Cfsbank
101 MCKEAN AVENUE
CHARLEROI, PA 15022
* $ 575,583,000 2 $ 310,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 260,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 2 $ 344,000
Mercer County State Bank
3279 S MAIN STREET
SANDY LAKE, PA 16145
* $ 340,674,000 2 $ 225,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 1,808,305,000 2 $ 204,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 2 $ 202,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 2 $ 140,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 307,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 180,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ 10,000,000 2 $ 292,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 66,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 55,179,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 257,000
Firstenergy Choice Federal Cre
161 OLD ROUTE 30, SUITE 2
GREENSBURG, PA 15601
* $ 57,738,000 1 $ 35,000
Century Heritage Federal Credit Union
700 REGIS AVE
PITTSBURGH, PA 15236
* $ 128,423,000 1 $ 25,000
Pittsburgh Central FCU
2601 WEXFORD BAYNE ROAD
SEWICKLEY, PA 15143
* $ 43,900,000 1 $ 40,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 290,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 127,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 43,000
Omega Federal Credit Union
PO BOX 15038
PITTSBURGH, PA 15237
* $ 83,294,000 1 $ 19,000
Washington Financial Bank
77 SOUTH MAIN STREET
WASHINGTON, PA 15301
* $ 927,038,000 1 $ 239,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 10,104,145,000 1 $ 80,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 83,081,838,000 1 $ 156,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 203,985,615,000 1 $ 105,000
Allegheny Valley Bank of Pittsburgh
5137 BUTLER ST
PITTSBURGH, PA 15201
* $ 405,289,000 1 $ 68,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 268,686,000 1 $ 92,000
Pheple Federal Credit Union
1007 GEORGES STATION ROAD
GREENSBURG, PA 15601
* $ 51,461,000 1 $ 121,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 221,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 89,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 949,559,000 1 $ 75,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,164,405,000 1 $ 76,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 791,697,000 1 $ 47,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 174,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 78,000
Certusbank, N.A.
2 WEST WASHINGTON STREET 5TH FLOOR
GREENVILLE, SC 29601
* $ 1,822,137,000 1 $ 295,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 1 $ 35,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 669,944,000 1 $ 75,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 157,000
M. S. Flynn, Inc.
6101 BABCOCK BOULEVARD
PITTSBURGH, PA 15237
* $ 10,000,000 1 $ 98,000
Omega Financial Services, Inc.
900 WASHINGTON AVENUE
CARNEGIE, PA 15106
* $ 10,000,000 1 $ 113,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ 51,703,000 1 $ 140,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 200,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 55,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ 23,380,000 1 $ 168,000
Atlantic Pacific Mortgage Corporation
302 FELLOWSHIP ROAD, SUITE 110
MT. LAUREL, NJ 08054
* $ 10,000,000 1 $ 145,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 1 $ 147,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 80,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 60,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 132,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,376,094,000 1 $ 128,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 1 $ 55,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 237,000
Frick Financial FCU
235 PITTSBURGH STREET
UNIONTOWN, PA 15401
* $ 66,132,000 1 $ 75,000
1st Summit Bank
125 DONALD LANE
JOHNSTOWN, PA 15904
* $ 808,260,000 1 $ 138,000

The tables below break down 2013 mortgage applications in Armstrong County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Armstrong County, PA in 2013

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 1,318 $194,203,000 $147,000 $55,179,000 $70,000 $1,681,000
Home Purchase 683 $71,610,000 $104,000 $480,000 $63,000 $1,687,000
Home Improvement 444 $18,251,000 $41,000 $480,000 $63,000 $1,286,000

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 2,109 $195,074,000 $92,000 $485,000 $69,000 $1,687,000
Not Provided 214 $19,943,000 $93,000 $417,000 $61,000 $331,000
Not applicable 90 $64,992,000 $722,000 $55,179,000 $19,000 $137,000
Hispanic 14 $1,487,000 $106,000 $384,000 $59,000 $120,000
Black or African American 8 $679,000 $84,000 $160,000 $40,000 $74,000
Asian 6 $1,345,000 $224,000 $480,000 $141,000 $285,000
American Indian or Alaskan Native 4 $544,000 $136,000 $282,000 $112,000 $272,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 1,918 $169,675,000 $88,000 $485,000 $72,000 $1,687,000
FHA-insured (Federal Housing Administration) 352 $95,100,000 $270,000 $55,179,000 $47,000 $245,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 90 $8,207,000 $91,000 $245,000 $40,000 $83,000
VA-guaranteed (Veterans Administration) 85 $11,082,000 $130,000 $290,000 $45,000 $117,000

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 1,320 $124,191,000 $94,000 $485,000 $75,000 $1,687,000
Application Denied By Financial Institution 589 $44,684,000 $75,000 $469,000 $54,000 $298,000
Loan Purchased By The Institution 220 $81,341,000 $369,000 $55,179,000 $45,000 $166,000
Application Withdrawn By Applicant 165 $17,585,000 $106,000 $461,000 $65,000 $588,000
Application Approved But Not Accepted 97 $10,065,000 $103,000 $384,000 $72,000 $500,000
File Closed For Incompleteness 54 $6,198,000 $114,000 $290,000 $63,000 $269,000
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
Credit History 193 $10,954,000 $56,000 $231,000 $52,000 $210,000
Collateral 106 $11,921,000 $112,000 $469,000 $72,000 $285,000
Debt-To-Income Ratio 88 $5,930,000 $67,000 $314,000 $39,000 $210,000
Credit Application Incomplete 31 $3,389,000 $109,000 $288,000 $69,000 $206,000
Other 25 $1,918,000 $76,000 $190,000 $57,000 $155,000
Unverifiable Information 10 $725,000 $72,000 $200,000 $55,000 $130,000
Insufficient Cash (Downpayment, Closing Cost) 7 $467,000 $66,000 $108,000 $48,000 $87,000
Employment History 3 $170,000 $56,000 $95,000 $38,000 $49,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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