Bedford County, PA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 2,008 mortgage applications in Bedford County, PA totaling $212.6 million, down 13% from 2009. The average application was for $105,000, and applicants reported an average income of $61,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was First National Bank of Pa, with 410 applications, followed by First Commonwealth 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 | 2,008 |
| Total Mortgage Loan Application Amount | $212,588,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $799,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $6,400,000 |
* 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 |
|---|---|---|---|---|
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,503,127,000 | 410 | $ 26,680,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,388,040,000 | 166 | $ 11,785,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 142 | $ 18,425,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 113 | $ 14,044,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 110 | $ 9,311,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 105 | $ 13,733,000 |
| Altoona First Savings Bank 203 N. LOGAN BOULEVARD ALTOONA, PA 16602 |
* | $ 190,836,000 | 98 | $ 12,246,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 83 | $ 10,428,000 |
| Standard Bank, Pasb 2640 MONROEVILLE BLVD MONROEVILLE, PA 15146 |
* | $ 392,531,000 | 38 | $ 2,896,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 38 | $ 5,357,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17601 |
* | $ 13,494,332,000 | 35 | $ 4,129,000 |
| America's Choice Home Loans LP 8584 KATY FREEWAY, STE 200 HOUSTON, TX 77024 |
* | $ 8,352,000 | 32 | $ 4,950,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 31 | $ 4,451,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 27 | $ 3,384,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 24 | $ 3,160,000 |
| First Peoples Cfcu 153 BALTIMORE STREET CUMBERLAND, MD 21502 |
* | $ 250,578,000 | 20 | $ 1,847,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,566,901,000 | 17 | $ 1,067,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 17 | $ 3,046,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 17 | $ 956,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 2,769,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 16 | $ 2,084,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 15 | $ 2,398,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 14 | $ 1,977,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 14 | $ 664,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 14 | $ 1,296,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,579,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 13 | $ 1,909,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 12 | $ 1,320,000 |
| Chessie Federal Credit Union 15 COMMERCE DRIVE CUMBERLAND, MD 21502 |
* | $ 198,609,000 | 11 | $ 1,704,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 11 | $ 1,249,000 |
| Investment Savings Bank 1201 8TH AVE. ALTOONA, PA 16602 |
* | $ 126,744,000 | 10 | $ 475,000 |
| Citizens Bank of Pennsylvania 1701 JOHN F. KENNEDY BOULEVARD PHILADELPHIA, PA 19103 |
* | $ 32,464,003,000 | 10 | $ 373,000 |
| Act 1st FCU 14316 NATIONAL HWY SW LAVALE, MD 21502 |
* | $ 66,076,000 | 9 | $ 601,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 9 | $ 1,295,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,075,575,000 | 9 | $ 1,379,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 9 | $ 1,457,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 8 | $ 1,214,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 8 | $ 689,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 7 | $ 1,113,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 7 | $ 1,138,000 |
| Penncrest Bank 1201 12TH STREET ALTOONA, PA 16601 |
* | $ 133,204,000 | 7 | $ 773,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 6 | $ 695,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 6 | $ 54,000 |
| 1st Summit Bank 125 DONALD LANE JOHNSTOWN, PA 15904 |
* | $ 602,691,000 | 6 | $ 445,000 |
| Somerset Trust Company 151 WEST MAIN STREET SOMERSET, PA 15501 |
* | $ 554,721,000 | 6 | $ 797,000 |
| Riverview Bk 11 NORTH SECOND STREET CLEARFIELD, PA 16830 |
* | $ 356,617,000 | 6 | $ 185,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 5 | $ 689,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 5 | $ 1,007,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 5 | $ 356,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 5 | $ 643,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 5 | $ 712,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 4 | $ 848,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 670,000 |
| Cornerstone Federal Credit Uni PO BOX 1181 CARLISLE, PA 17013 |
* | $ 79,667,000 | 4 | $ 745,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 476,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 4 | $ 405,000 |
| Ameriserv Financial Bank 216 FRANKLIN ST JOHNSTOWN, PA 15901 |
* | $ 942,633,000 | 4 | $ 615,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 4 | $ 675,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,379,910,000 | 4 | $ 236,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 4 | $ 379,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 3 | $ 703,000 |
| Farmers and Merchants Trust Company of Chambersburg 20 SOUTH MAIN STREET CHAMBERSBURG, PA 17201 |
* | $ 977,241,000 | 3 | $ 465,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 3 | $ 391,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 3 | $ 290,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 3 | $ 481,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 468,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 516,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 409,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 267,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 183,000 |
| Kelco Federal Credit Union 321 GREENE ST CUMBERLAND, MD 21502 |
* | $ 55,165,000 | 3 | $ 113,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 2,024,896,000 | 3 | $ 223,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 302,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 349,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 2 | $ 358,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 310,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 2 | $ 428,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Cardinal Financial Company 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 295,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 2 | $ 275,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 117,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 2 | $ 220,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 232,000 |
| Kish Valley National Bank 4255 EAST MAIN ST PO BOX 917 BELLEVILLE, PA 17004 |
* | $ 523,573,000 | 2 | $ 133,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 667,933,000 | 2 | $ 123,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 2 | $ 98,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 2 | $ 352,000 |
| Northwest Consumer Discount Co., Inc. 151B PITTSBURGH ROAD BUTLER, PA 16003 |
* | $ 1,000 | 2 | $ 85,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 1 | $ 52,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 96,000 |
| Graystone Tower Bank 1826 GOOD HOPE RD ENOLA, PA 17025 |
* | $ 1,467,602,000 | 1 | $ 37,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 73,839,735,000 | 1 | $ 257,000 |
| Slovenian Savings & Loan Assn. 512 CENTRAL AVENUE JOHNSTOWN, PA 15902 |
* | $ 127,658,000 | 1 | $ 34,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 543,312,000 | 1 | $ 78,000 |
| Heartland Community Bank 420 NORTH MORTON ST FRANKLIN, IN 46131 |
* | $ 242,862,000 | 1 | $ 20,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 1,291,882,000 | 1 | $ 85,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 1,773,357,000 | 1 | $ 42,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,159,367,000 | 1 | $ 169,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 245,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 127,360,045,000 | 1 | $ 141,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,192,761,000 | 1 | $ 10,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,736,891,000 | 1 | $ 15,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 904,188,000 | 1 | $ 108,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 848,885,000 | 1 | $ 255,000 |
| Household Finance Consumer Dis 26525 NORTH RIVERWOODS BOULEVARD METTAWA, IL 60045 |
* | $ 639,206,000 | 1 | $ 51,000 |
| Orrstown Bank 4750 LINDLE RD HARRISBURG, PA 17111 |
* | $ 1,194,316,000 | 1 | $ 405,000 |
| Sandy Spring Bank 6831 BENJAMIN FRANKIN DRIVE COLUMBIA, MD 21046 |
* | $ 3,631,186,000 | 1 | $ 254,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 123,758,000 | 1 | $ 179,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,429,059,000 | 1 | $ 610,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 129,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 268,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 1 | $ 69,000 |
| First Residential Mortgage 570 SYLVAN AVENUE ENGLEWOOD CLIFFS, NJ 07632 |
* | $ 10,000,000 | 1 | $ 127,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 77,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ 10,000,000 | 1 | $ 158,000 |
| West Penn Financial Service Center, Inc. 2250 BABCOCK BLVD PITTSBURGH, PA 15237 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 84,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 173,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 1 | $ 47,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ 3,295,000 | 1 | $ 129,000 |
| Lincoln Mortgage Company 125 STRAFFORD AVENUE SUITE 360 WAYNE, PA 19087 |
* | $ 1,000,000,000 | 1 | $ 117,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 64,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 17,353,000 | 1 | $ 260,000 |
| Corridor Mortgage Group, Inc. 11085 STRATFIELD COURT MARRIOTTSVILLE, MD 21104 |
* | $ 605,000,000 | 1 | $ 170,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 383,000 |
| Flagship Mortgage Corporation 100 OLD WILSON BRIDGE RD WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 197,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 3,938,342,000 | 1 | $ 90,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,058,817,000 | 1 | $ 67,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 196,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 90,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 1 | $ 139,000 |
The tables below break down 2010 mortgage applications in Bedford 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 Bedford County, PA in 2010
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 | 1,288 | $152,160,000 | $118,000 | $799,000 | $66,000 | $6,400,000 |
| Home Purchase | 430 | $50,836,000 | $118,000 | $540,000 | $53,000 | $303,000 |
| Home Improvement | 290 | $9,592,000 | $33,000 | $293,000 | $49,000 | $188,000 |
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 | 1,775 | $180,678,000 | $101,000 | $799,000 | $64,000 | $6,400,000 |
| Not Provided | 137 | $18,223,000 | $133,000 | $610,000 | $55,000 | $273,000 |
| Not applicable | 83 | $12,126,000 | $146,000 | $480,000 | $8,000 | $118,000 |
| American Indian or Alaskan Native | 5 | $359,000 | $71,000 | $108,000 | $61,000 | $173,000 |
| Hispanic | 3 | $452,000 | $150,000 | $213,000 | $80,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $567,000 | $189,000 | $210,000 | $74,000 | $83,000 |
| Black or African American | 2 | $183,000 | $91,000 | $165,000 | $57,000 | $68,000 |
| Asian | 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) | 1,548 | $154,577,000 | $99,000 | $799,000 | $66,000 | $6,400,000 |
| FHA-insured (Federal Housing Administration) | 322 | $39,616,000 | $123,000 | $291,000 | $45,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 105 | $13,169,000 | $125,000 | $310,000 | $44,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,226,000 | $158,000 | $268,000 | $45,000 | $125,000 |
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 | 1,079 | $108,072,000 | $100,000 | $799,000 | $62,000 | $429,000 |
| Application Denied By Financial Institution | 416 | $41,055,000 | $98,000 | $576,000 | $68,000 | $6,400,000 |
| Loan Purchased By The Institution | 238 | $31,978,000 | $134,000 | $400,000 | $45,000 | $184,000 |
| Application Withdrawn By Applicant | 167 | $20,358,000 | $121,000 | $417,000 | $63,000 | $1,129,000 |
| Application Approved But Not Accepted | 64 | $6,312,000 | $98,000 | $308,000 | $55,000 | $240,000 |
| File Closed For Incompleteness | 44 | $4,813,000 | $109,000 | $280,000 | $47,000 | $165,000 |
| 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 | 78 | $5,486,000 | $70,000 | $356,000 | $125,000 | $6,400,000 |
| Collateral | 70 | $9,313,000 | $133,000 | $355,000 | $72,000 | $310,000 |
| Debt-To-Income Ratio | 55 | $3,806,000 | $69,000 | $335,000 | $37,000 | $211,000 |
| Credit Application Incomplete | 21 | $2,444,000 | $116,000 | $185,000 | $53,000 | $250,000 |
| Other | 16 | $2,179,000 | $136,000 | $291,000 | $48,000 | $159,000 |
| Unverifiable Information | 6 | $517,000 | $86,000 | $166,000 | $50,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $621,000 | $124,000 | $183,000 | $37,000 | $57,000 |
| Employment History | 1 | $86,000 | $86,000 | $86,000 | $52,000 | $52,000 |
| 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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