Bedford County, PA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,510 mortgage applications in Bedford County, PA totaling $168.6 million, down 28% from 2022. The average application was for $111,000, and applicants reported an average income of $88,000. 59% of applications resulted in an originated loan and 21% were denied. The most active lender was Hometown Bank of Pennsylvania, with 210 applications, followed by First Commonwealth Bank and First National Bank of Pa.
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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 | 1,510 |
| Total Mortgage Loan Application Amount | $168,560,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $895,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $3,173,000 |
* 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 |
|---|---|---|---|---|
| Hometown Bank of Pennsylvania 638 E PITT ST BEDFORD, PA 15522 |
* | $ 333,501,000 | 210 | $ 17,420,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,776,999,000 | 179 | $ 13,925,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 111 | $ 9,145,000 |
| Somerset Trust Company 151 WEST MAIN STREET SOMERSET, PA 15501 |
* | $ 2,017,848,000 | 68 | $ 5,000,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 56 | $ 10,010,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 8,070,968,000 | 47 | $ 3,345,000 |
| Altoona First Savings Bank 203 N. LOGAN BOULEVARD ALTOONA, PA 16602 |
* | $ 323,074,000 | 47 | $ 4,115,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 42 | $ 3,630,000 |
| Community State Bank of Orbisonia 478 RIDGLEY ST ORBISONIA, PA 17243 |
* | $ 452,375,000 | 40 | $ 2,870,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 35 | $ 5,955,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 29 | $ 2,685,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 27 | $ 1,895,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 11,417,843,000 | 23 | $ 1,775,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 23 | $ 3,895,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 21 | $ 2,115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 21 | $ 3,305,000 |
| First Peoples Cfcu 153 BALTIMORE STREET CUMBERLAND, MD 21502 |
* | $ 574,480,000 | 19 | $ 1,695,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 18 | $ 2,630,000 |
| Reliance Savings Bank 1119 12TH ST ALTOONA, PA 16602 |
* | $ 621,206,000 | 17 | $ 3,425,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 2,185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 15 | $ 2,395,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 2,050,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 12 | $ 2,320,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 12 | $ 2,210,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 11 | $ 1,735,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 11 | $ 1,625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 9 | $ 1,015,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 9 | $ 725,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,255,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 9 | $ 1,345,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 5,264,689,000 | 8 | $ 610,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 8 | $ 820,000 |
| Fidelity Direct Mortgage, LLC 438 NORTH FREDERICK AVE SUITE 315 GAITHERSBURG, MD 20877 |
* | $ -1,000 | 8 | $ 1,750,000 |
| Penncrest Bank 1201 12TH STREET ALTOONA, PA 16601 |
* | $ 221,830,000 | 7 | $ 705,000 |
| Chessie Federal Credit Union 15 COMMERCE DRIVE CUMBERLAND, MD 21502 |
* | $ 436,857,000 | 7 | $ 805,000 |
| Act 1st FCU 14316 NATIONAL HWY SW LAVALE, MD 21502 |
* | $ 146,965,000 | 7 | $ 365,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 7 | $ 1,155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 1,525,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 6 | $ 1,200,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 1,090,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ -1,000 | 6 | $ 1,370,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 6 | $ 960,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 455,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 5 | $ 1,025,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 575,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 740,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 690,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 650,000 |
| 1st Summit Bank 125 DONALD LANE JOHNSTOWN, PA 15904 |
* | $ 1,341,085,000 | 4 | $ 590,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 4 | $ 170,000 |
| Aberdeen Proving Ground FCU PO BOX 1176 ABERDEEN, MD 21001 |
* | $ 2,154,193,000 | 4 | $ 110,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 4 | $ 270,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 1,451,067,000 | 4 | $ 390,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 580,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 410,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 4 | $ 890,000 |
| Slovenian Savings & Loan Association of Franklin-Conemaugh 361 FIRST ST JOHNSTOWN, PA 15909 |
* | $ 162,317,000 | 4 | $ 1,110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 355,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 3 | $ 255,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 575,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 195,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 545,000 |
| Ameriserv Financial Bank 216 FRANKLIN ST JOHNSTOWN, PA 15901 |
* | $ 1,350,198,000 | 3 | $ 405,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 3 | $ 355,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 3 | $ 415,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ -1,000 | 3 | $ 625,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 3 | $ 445,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 6,987,615,000 | 3 | $ 275,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 285,000 |
| Farmers and Merchants Trust Company of Chambersburg 20 SOUTH MAIN STREET CHAMBERSBURG, PA 17201 |
* | $ 1,699,086,000 | 3 | $ 735,000 |
| Mid Penn Bank 349 UNION STREET MILLERSBURG, PA 17061 |
* | $ 4,481,008,000 | 3 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 3 | $ 425,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 9,106,184,000 | 3 | $ 445,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 365,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 3 | $ 475,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 185,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 385,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 425,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 190,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 26,819,331,000 | 2 | $ 410,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 110,000 |
| Homespire Mortgage Corporation FAIRFAX, VA 22031 |
* | $ -1,000 | 2 | $ 290,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 310,000 |
| Southern Trust Mortgage, LLC 295 BENDIX ROAD SUITE 400 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 2 | $ 310,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 2 | $ 320,000 |
| Orrstown Bank 4750 LINDLE RD HARRISBURG, PA 17111 |
* | $ 2,918,941,000 | 2 | $ 250,000 |
| Kish Bank 4255 EAST MAIN STREET BELLEVILLE, PA 17004 |
* | $ 1,294,758,000 | 2 | $ 810,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 140,000 |
| C-B-W Schools Federal Credit Union 460 LOCUST ST SIDMAN, PA 15955 |
* | $ 113,213,000 | 2 | $ 110,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 280,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ -1,000 | 2 | $ 310,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 90,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 400,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 2 | $ 180,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 2 | $ 260,000 |
| Blair County Federal Credit Union 3001 SIXTH AVENUE ALTOONA, PA 16602 |
* | $ 68,188,000 | 2 | $ 110,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 5,453,779,000 | 2 | $ 650,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 160,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ -1,000 | 2 | $ 740,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ 398,740,000 | 1 | $ 55,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ 506,725,000 | 1 | $ 55,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 65,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,213,677,000 | 1 | $ 345,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 225,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 105,000 |
| Police and Fire Federal Credit Union 901 ARCH ST PHILADELPHIA, PA 19107 |
* | $ 8,069,892,000 | 1 | $ 65,000 |
| Park View Federal Credit Union 1675 VIRGINIA AVENUE HARRISONBURG, VA 22802 |
* | $ 343,001,000 | 1 | $ 195,000 |
| Ussco Federal Credit Union 532 OAKRIDGE DRIVE JOHNSTOWN, PA 15904 |
* | $ 163,063,000 | 1 | $ 35,000 |
| Millennium Financial Group Inc dba Mlend 8803 BALTIMORE NATIONAL PIKE MIDDLETOWN, MD 21769 |
* | $ -1,000 | 1 | $ 225,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 35,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 1 | $ 135,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 305,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 1 | $ 25,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 85,000 |
| Belco Community Credit Union 449 EISENHOWER BLVD HARRISBURG, PA 17111 |
* | $ 935,545,000 | 1 | $ 35,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 55,000 |
| Fidelity Deposit & Discount Bank 101 N BLAKELY ST SCRANTON, PA 18512 |
* | $ 2,378,265,000 | 1 | $ 145,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ 253,730,000 | 1 | $ 175,000 |
| Nasa Federal Credit Union 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ 4,464,686,000 | 1 | $ 245,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 457,589,000 | 1 | $ 275,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 185,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 145,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,517,837,000 | 1 | $ 535,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 35,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 255,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 15,000 |
| Investment Savings Bank 1201 8TH AVE. ALTOONA, PA 16602 |
* | $ 107,687,000 | 1 | $ 15,000 |
| Cnb Bank Inc. 101 S WASHINGTON STREET BERKELEY SPRINGS, WV 25411 |
* | $ 582,728,000 | 1 | $ 445,000 |
| Ardent Federal Credit Union 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19102 |
* | $ 852,091,000 | 1 | $ 55,000 |
| Schumacher Mortgage LLC 2715 WISE AVENUE SUITE 100 CANTON, OH 44708 |
* | $ -1,000 | 1 | $ 625,000 |
| The Ephrata National Bank 31 EAST MAIN STREET PO BOX 457 EPHRATA, PA 17522 |
* | $ 1,856,294,000 | 1 | $ 115,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 175,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 215,000 |
| Traditions Bank 226 PAULINE DRIVE YORK, PA 17402 |
* | $ 776,801,000 | 1 | $ 255,000 |
| Baycoast Bank 330 SWANSEA MALL DRIVE SWANSEA, MA 02777 |
* | $ 2,820,893,000 | 1 | $ 55,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 155,000 |
| Educational Systems FCU PO BOX 179 GREENBELT, MD 20768 |
* | $ 1,225,754,000 | 1 | $ 15,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 155,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 2,069,955,000 | 1 | $ 55,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 135,000 |
| Trumark Financial Credit Union 335 COMMERCE DRIVE FORT WASHINGTON, PA 19034 |
* | $ 2,953,549,000 | 1 | $ 45,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 155,000 |
The tables below break down 2023 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 2023
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 545 | $93,075,000 | $170,000 | $895,000 | $96,000 | $3,173,000 |
| Home Improvement | 331 | $17,335,000 | $52,000 | $325,000 | $87,000 | $758,000 |
| Other Purpose | 249 | $15,505,000 | $62,000 | $325,000 | $87,000 | $371,000 |
| Refinancing | 225 | $21,965,000 | $97,000 | $465,000 | $86,000 | $1,382,000 |
| Cash-out Refinancing | 157 | $20,425,000 | $130,000 | $355,000 | $74,000 | $221,000 |
| Not Applicable | 3 | $255,000 | $85,000 | $125,000 | $0 | $0 |
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 | 1,308 | $140,380,000 | $107,000 | $895,000 | $87,000 | $1,382,000 |
| Not Provided | 95 | $12,105,000 | $127,000 | $455,000 | $111,000 | $3,173,000 |
| Not applicable | 91 | $14,205,000 | $156,000 | $355,000 | $44,000 | $47,000 |
| Hispanic | 7 | $445,000 | $63,000 | $155,000 | $54,000 | $96,000 |
| American Indian or Alaskan Native | 4 | $480,000 | $120,000 | $275,000 | $81,000 | $103,000 |
| Black or African American | 4 | $670,000 | $167,000 | $265,000 | $84,000 | $100,000 |
| Asian | 1 | $275,000 | $275,000 | $275,000 | $141,000 | $141,000 |
| 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) | 1,243 | $126,045,000 | $101,000 | $895,000 | $91,000 | $3,173,000 |
| FHA-insured (Federal Housing Administration) | 158 | $24,020,000 | $152,000 | $475,000 | $69,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $8,755,000 | $148,000 | $315,000 | $62,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 50 | $9,740,000 | $194,000 | $635,000 | $84,000 | $180,000 |
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 | 892 | $102,390,000 | $114,000 | $895,000 | $94,000 | $3,173,000 |
| Application Denied By Financial Institution | 319 | $27,345,000 | $85,000 | $585,000 | $74,000 | $1,382,000 |
| Application Withdrawn By Applicant | 111 | $13,275,000 | $119,000 | $345,000 | $80,000 | $327,000 |
| Loan Purchased By The Institution | 77 | $12,935,000 | $167,000 | $535,000 | $110,000 | $197,000 |
| File Closed For Incompleteness | 57 | $6,905,000 | $121,000 | $465,000 | $75,000 | $200,000 |
| Application Approved But Not Accepted | 52 | $5,400,000 | $103,000 | $455,000 | $96,000 | $615,000 |
| Preapproval Approved but not Accepted | 2 | $310,000 | $155,000 | $155,000 | $42,000 | $42,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,158 | $137,660,000 | $118,000 | $895,000 | $92,000 | $3,173,000 |
| Debt-To-Income Ratio | 142 | $13,270,000 | $93,000 | $425,000 | $62,000 | $216,000 |
| Credit History | 102 | $6,920,000 | $67,000 | $325,000 | $81,000 | $1,382,000 |
| Collateral | 49 | $4,475,000 | $91,000 | $325,000 | $85,000 | $179,000 |
| Credit Application Incomplete | 23 | $2,045,000 | $88,000 | $245,000 | $71,000 | $225,000 |
| Other | 21 | $2,395,000 | $114,000 | $585,000 | $113,000 | $349,000 |
| Unverifiable Information | 9 | $1,275,000 | $141,000 | $265,000 | $73,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $380,000 | $95,000 | $135,000 | $66,000 | $120,000 |
| Employment History | 2 | $140,000 | $70,000 | $85,000 | $147,000 | $270,000 |
| 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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