Clarion County, PA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 790 mortgage applications in Clarion County, PA totaling $70.8 million, down 8% from 2010. The average application was for $89,000, and applicants reported an average income of $65,000. 49% of applications resulted in an originated loan and 29% were denied. The most active lender was S&T Bank, with 140 applications, followed by Northwest Bank and PNC Bank N.A..
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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 | 790 |
| Total Mortgage Loan Application Amount | $70,755,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $590,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $876,000 |
* 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 |
|---|---|---|---|---|
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 4,093,659,000 | 140 | $ 9,285,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,174,829,000 | 138 | $ 10,065,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 134 | $ 12,347,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 38 | $ 3,377,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 29 | $ 3,004,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,645,703,000 | 17 | $ 1,578,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 15 | $ 1,640,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 15 | $ 2,059,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 14 | $ 1,652,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,574,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 10 | $ 1,323,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 10 | $ 1,279,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 5,749,618,000 | 10 | $ 757,000 |
| Armco Credit Union PO BOX 1589 BUTLER, PA 16003 |
* | $ 245,092,000 | 10 | $ 731,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 280,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 8 | $ 1,528,000 |
| Nextier Bank, NA 245 PITTSBURGH ROAD BUTLER, PA 16001 |
* | $ 523,852,000 | 8 | $ 288,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,759,397,000 | 7 | $ 442,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 7 | $ 1,073,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 6 | $ 678,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 6 | $ 641,000 |
| Northwest Consumer Discount Co., Inc. 151B PITTSBURGH ROAD BUTLER, PA 16003 |
* | $ 8,148,155,000 | 6 | $ 29,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 5 | $ 171,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 450,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 423,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 653,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 402,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 4 | $ 433,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 3 | $ 272,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 431,000 |
| Acre Mortgage & Financial, Inc. 70 EAST MAIN STREET MARLTON, NJ 08053 |
* | $ 10,000,000 | 3 | $ 349,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 328,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 77,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 242,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 3 | $ 228,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 502,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 415,000 |
| Marion Center Bank 1271 INDIAN SPRINGS RD INDIANA, PA 15701 |
* | $ 241,852,000 | 2 | $ 205,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 6,113,555,000 | 2 | $ 262,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 2 | $ 50,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 2 | $ 304,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 289,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,328,404,000 | 2 | $ 98,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 241,000 |
| Allstate Financial Services, I ONE FORESTWOOD DRIVE PITTSBURGH, PA 15237 |
* | $ 10,000,000 | 2 | $ 199,000 |
| The Farmers National Bank of Emlenton 612 MAIN STREET, PO DRAWER D EMLENTON, PA 16373 |
* | $ 480,033,000 | 2 | $ 50,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 214,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 43,000 |
| West Penn Financial Service Center, Inc. 2250 BABCOCK BLVD PITTSBURGH, PA 15237 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 150,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 135,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 98,000 |
| Pittsburgh Central FCU 2601 WEXFORD BAYNE ROAD SEWICKLEY, PA 15143 |
* | $ 45,941,000 | 1 | $ 25,000 |
| Usx Federal Credit Union PO BOX 1728 CRANBERRY TWP., PA 16066 |
* | $ 180,868,000 | 1 | $ 147,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 1,011,752,000 | 1 | $ 100,000 |
| Grove City Area Federal Credit Union ONE CREDIT UNION WAY GROVE CITY, PA 16127 |
* | $ 53,292,000 | 1 | $ 61,000 |
| Armstrong Associates Federal Credit Union 414 FORD ST. P.O. BOX 191 FORD CITY, PA 16226 |
* | $ 50,580,000 | 1 | $ 64,000 |
| Penn State 1937 N. ATHERTON STREET STATE COLLEGE, PA 16803 |
* | $ 135,171,000 | 1 | $ 5,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 112,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 52,000 |
| Associated Mortgage Bankers Inc. 2395 OCEAN AVENUE SUITE 5 RONKONKOMA RONKONKOMA, NY 11779 |
* | $ 35,004,000 | 1 | $ 129,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Gold Credit Union 4703 HAMILTON BLVD ALLENTOWN, PA 18103 |
* | $ 105,254,000 | 1 | $ 30,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 1,393,159,000 | 1 | $ 272,000 |
| Altoona First Savings Bank 203 N. LOGAN BOULEVARD ALTOONA, PA 16602 |
* | $ 201,187,000 | 1 | $ 18,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 118,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ 12,988,000 | 1 | $ 96,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 54,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 168,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 154,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 47,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 187,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 216,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 234,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 58,000 |
| Citizens Bank of Pennsylvania ONE LOGAN SQUARE, 130 NORTH 18TH STREET PHILADELPHIA, PA 19103 |
* | $ 32,561,811,000 | 1 | $ 130,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 62,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 106,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 60,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,469,196,000 | 1 | $ 120,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,465,028,000 | 1 | $ 7,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 1,374,407,000 | 1 | $ 97,000 |
| Mercer County State Bank 3279 S MAIN STREET SANDY LAKE, PA 16145 |
* | $ 287,022,000 | 1 | $ 172,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 1 | $ 51,000 |
| Riverview Bk 11 NORTH SECOND STREET CLEARFIELD, PA 16830 |
* | $ 370,210,000 | 1 | $ 64,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 46,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 171,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 190,000 |
The tables below break down 2011 mortgage applications in Clarion 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 Clarion County, PA in 2011
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 | 485 | $47,197,000 | $97,000 | $590,000 | $68,000 | $876,000 |
| Home Purchase | 196 | $20,497,000 | $104,000 | $311,000 | $61,000 | $179,000 |
| Home Improvement | 109 | $3,061,000 | $28,000 | $161,000 | $61,000 | $298,000 |
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 | 641 | $56,213,000 | $87,000 | $590,000 | $66,000 | $876,000 |
| Not Provided | 113 | $10,841,000 | $95,000 | $365,000 | $75,000 | $600,000 |
| Not applicable | 25 | $2,491,000 | $99,000 | $365,000 | $11,000 | $96,000 |
| Asian | 3 | $311,000 | $103,000 | $134,000 | $73,000 | $98,000 |
| Black or African American | 3 | $455,000 | $151,000 | $175,000 | $73,000 | $78,000 |
| Hispanic | 3 | $220,000 | $73,000 | $100,000 | $68,000 | $122,000 |
| American Indian or Alaskan Native | 2 | $224,000 | $112,000 | $119,000 | $54,000 | $72,000 |
| 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) | 616 | $50,423,000 | $81,000 | $590,000 | $70,000 | $876,000 |
| FHA-insured (Federal Housing Administration) | 116 | $12,652,000 | $109,000 | $283,000 | $49,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,038,000 | $152,000 | $365,000 | $52,000 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,642,000 | $105,000 | $178,000 | $40,000 | $70,000 |
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 | 385 | $32,140,000 | $83,000 | $365,000 | $70,000 | $525,000 |
| Application Denied By Financial Institution | 228 | $19,849,000 | $87,000 | $590,000 | $57,000 | $600,000 |
| Application Withdrawn By Applicant | 77 | $8,262,000 | $107,000 | $284,000 | $72,000 | $200,000 |
| Loan Purchased By The Institution | 43 | $5,113,000 | $118,000 | $365,000 | $37,000 | $133,000 |
| Application Approved But Not Accepted | 37 | $2,837,000 | $76,000 | $216,000 | $62,000 | $300,000 |
| File Closed For Incompleteness | 20 | $2,554,000 | $127,000 | $277,000 | $115,000 | $876,000 |
| 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 | 70 | $4,031,000 | $57,000 | $283,000 | $47,000 | $151,000 |
| Collateral | 36 | $4,925,000 | $136,000 | $590,000 | $77,000 | $573,000 |
| Debt-To-Income Ratio | 29 | $2,278,000 | $78,000 | $177,000 | $33,000 | $104,000 |
| Credit Application Incomplete | 28 | $3,181,000 | $113,000 | $379,000 | $73,000 | $213,000 |
| Other | 16 | $1,253,000 | $78,000 | $156,000 | $55,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,002,000 | $111,000 | $211,000 | $84,000 | $161,000 |
| Employment History | 3 | $349,000 | $116,000 | $159,000 | $41,000 | $50,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $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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