Cameron County, PA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 82 mortgage applications in Cameron County, PA totaling $6.0 million, down 21% from 2023. The average application was for $72,000, and applicants reported an average income of $79,000. 49% of applications resulted in an originated loan and 26% were denied. The most active lender was Citizens & Northern Bank, with 16 applications, followed by First Commonwealth Bank and Pennsylvania State Employees Credit Union.
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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 | 82 |
| Total Mortgage Loan Application Amount | $5,960,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $347,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 16 | $ 970,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ n/a | 11 | $ 385,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ n/a | 7 | $ 385,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 6 | $ 440,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 595,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 100,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 100,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ n/a | 2 | $ 170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 270,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 130,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 140,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 55,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 45,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 55,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 55,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 1 | $ 55,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ n/a | 1 | $ 395,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ n/a | 1 | $ 395,000 |
| The Juniata Valley Bank 1 S MAIN ST MIFFLINTOWN, PA 17059 |
* | $ n/a | 1 | $ 95,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 45,000 |
| Belco Community Credit Union 449 EISENHOWER BLVD HARRISBURG, PA 17111 |
* | $ n/a | 1 | $ 195,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2024 mortgage applications in Cameron 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 Cameron County, PA in 2024
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 | 33 | $3,285,000 | $99,000 | $395,000 | $103,000 | $347,000 |
| Refinancing | 14 | $800,000 | $57,000 | $125,000 | $73,000 | $157,000 |
| Other Purpose | 13 | $675,000 | $51,000 | $115,000 | $84,000 | $220,000 |
| Home Improvement | 12 | $350,000 | $29,000 | $55,000 | $44,000 | $109,000 |
| Cash-out Refinancing | 10 | $850,000 | $85,000 | $145,000 | $56,000 | $102,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 66 | $4,410,000 | $66,000 | $265,000 | $74,000 | $259,000 |
| Not Provided | 9 | $1,025,000 | $113,000 | $395,000 | $108,000 | $347,000 |
| Not applicable | 4 | $230,000 | $57,000 | $85,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $77,000 | $77,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $48,000 | $48,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $220,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 69 | $4,655,000 | $67,000 | $395,000 | $80,000 | $347,000 |
| FHA-insured (Federal Housing Administration) | 9 | $585,000 | $65,000 | $95,000 | $70,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 4 | $720,000 | $180,000 | $265,000 | $93,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 40 | $3,010,000 | $75,000 | $395,000 | $82,000 | $347,000 |
| Application Denied By Financial Institution | 21 | $1,375,000 | $65,000 | $185,000 | $61,000 | $157,000 |
| Application Withdrawn By Applicant | 12 | $1,080,000 | $90,000 | $195,000 | $103,000 | $259,000 |
| File Closed For Incompleteness | 7 | $375,000 | $53,000 | $115,000 | $78,000 | $109,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $29,000 | $29,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 60 | $4,490,000 | $74,000 | $395,000 | $85,000 | $347,000 |
| Collateral | 6 | $480,000 | $80,000 | $185,000 | $59,000 | $100,000 |
| Credit History | 6 | $350,000 | $58,000 | $135,000 | $85,000 | $157,000 |
| Debt-To-Income Ratio | 5 | $335,000 | $67,000 | $125,000 | $36,000 | $87,000 |
| Other | 3 | $185,000 | $61,000 | $85,000 | $61,000 | $63,000 |
| Credit Application Incomplete | 2 | $120,000 | $60,000 | $95,000 | $70,000 | $85,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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