Clinton County, PA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,716 mortgage applications in Clinton County, PA totaling $242.2 million, down 18% from 2021. The average application was for $141,000, and applicants reported an average income of $82,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was Jersey Shore State Bank, with 287 applications, followed by The Muncy Bank and Trust Company and First Commonwealth Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,716
Total Mortgage Loan Application Amount $242,230,000
Average Mortgage Loan Application Amount $141,000
Highest Mortgage Loan Application Amount $9,005,000
Average Applicant Income $82,000
Highest Applicant Income $763,000

Mortgage Company List for Lending in Clinton County, PA for 2022

* 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
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,354,455,000 287 $ 41,125,000
The Muncy Bank and Trust Company
2 NORTH MAIN ST
MUNCY, PA 17756
* $ 593,847,000 157 $ 33,735,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 9,521,721,000 146 $ 11,900,000
Horizon Federal Credit Union
2849 REACH ROAD
WILLIAMSPORT, PA 17701
* $ 135,590,000 118 $ 8,560,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 8,187,070,000 96 $ 6,400,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 96 $ 13,270,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,606,175,000 55 $ 7,255,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 52 $ 8,670,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 40 $ 5,420,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 33 $ 3,465,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 31 $ 7,045,000
Woodlands Bank
2450 EAST THIRD ST
WILLIAMSPORT, PA 17701
* $ 573,113,000 28 $ 5,060,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 4,070,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 22 $ 3,340,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 22 $ 3,720,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 20 $ 3,520,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 17 $ 3,385,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 17 $ 2,545,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 16 $ 2,110,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 16 $ 1,020,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 15 $ 2,365,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 14 $ 1,930,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 1,830,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 1,445,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 11 $ 915,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,720,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 10 $ 1,440,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 10 $ 1,130,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 9 $ 1,685,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,565,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 9 $ 1,545,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 8 $ 1,100,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 790,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 6 $ 1,000,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 6 $ 1,320,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 940,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ 1,224,156,000 6 $ 1,740,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 6 $ 1,010,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 5 $ 865,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 2,311,213,000 5 $ 245,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 685,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 5 $ 775,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 265,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 5 $ 575,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 4 $ 990,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 4 $ 560,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 720,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 710,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 440,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 980,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 840,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 475,000
Reliance Savings Bank
1119 12TH ST
ALTOONA, PA 16602
* $ 674,605,000 3 $ 415,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ -1,000 3 $ 515,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 665,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 465,000
Mifflinburg Bank & Trust
250 E. CHESTNUT STREET, PO BOX 186
MIFFLINBURG, PA 17844
* $ 551,898,000 3 $ 815,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 585,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 3 $ 495,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 455,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 345,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,413,912,000 3 $ 155,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 495,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 105,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 365,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 3 $ 595,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 2,140,937,000 3 $ 595,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 2 $ 140,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ 4,687,600,000 2 $ 290,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 210,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 270,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 270,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 290,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 2 $ 430,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 2 $ 160,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 2 $ 480,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 90,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 1,715,230,000 2 $ 490,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 5,307,549,000 2 $ 410,000
Apci Federal Credit Union
PO BOX 20147
LEHIGH VALLEY, PA 18002
* $ 687,938,000 2 $ 350,000
Developer's Mortgage Company
2700 E DUBLIN GRANVILLE RD SUITE 460
COLUMBUS, OH 43219
* $ -1,000 2 $ 310,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 280,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 490,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 510,000
Susquehanna Community Bank
940 HIGH STREET
WEST MILTON, PA 17886
* $ 555,690,000 2 $ 300,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 330,000
First Harvest Federal Credit Union
1615 HURFFVILLE ROAD
DEPTFORD, NJ 08096
* $ 498,271,000 2 $ 110,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 95,000
Cfsbank
101 MCKEAN AVENUE
CHARLEROI, PA 15022
* $ 563,625,000 1 $ 215,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 155,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 355,000
Sun East Federal Credit Union
4500 PENNELL ROAD
ASTON, PA 19014
* $ 805,769,000 1 $ 95,000
First Heritage Federal Credit Union
110 VILLAGE SQUARE, SUITE 101
CORNING, NY 14830
* $ 646,515,000 1 $ 35,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 749,092,000 1 $ 355,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 1 $ 185,000
Pennian Bank
2 NORTH MAIN STREET, P.O. BOX 96
MIFFLINTOWN, PA 17059
* $ 697,014,000 1 $ 25,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 35,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 1 $ 145,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 1 $ 105,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 145,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 1,319,327,000 1 $ 185,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 515,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 25,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 1 $ 105,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 115,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 1 $ 75,000
State Financial Network LLC
5 HILLMAN DR
CHADDS FORD, PA 19317
* $ -1,000 1 $ 245,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 185,000
First Keystone Community Bank
111 W FRONT ST
BERWICK, PA 18603
* $ 1,317,494,000 1 $ 75,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 195,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 115,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 125,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ -1,000 1 $ 335,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 135,000
Silver Hill Funding
4425 PONCE DE LEON BLVD
CORAL GABLES, FL 33146
* $ -1,000 1 $ 105,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 165,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 1 $ 225,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 165,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 95,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 125,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 235,000
Constructive Loans LLC
1801 S MEYERS RD
OAKBROOK TERRACE, IL 60181
* $ -1,000 1 $ 675,000
Americhoice Federal Credit Union
2175 BUMBLE BEE HOLLOW ROAD
MECHANICSBURG, PA 17055
* $ 255,964,000 1 $ 35,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ -1,000 1 $ 85,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 235,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 235,000
Journey Bank
232 EAST ST. PO BOX 240
BLOOMSBURG, PA 17815
* $ 948,713,000 1 $ 345,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 175,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 1 $ 145,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ -1,000 1 $ 155,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 115,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 101,845,032,000 1 $ 95,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 305,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 125,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ -1,000 1 $ 185,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 135,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 205,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 335,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 1 $ 105,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 145,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 1 $ 265,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 135,000
Merck Sharp and Dohme FCU
335 W BUTLER AVE
CHALFONT, PA 18914
* $ 822,394,000 1 $ 355,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 85,000

The tables below break down 2022 mortgage applications in Clinton 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 Clinton County, PA in 2022

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 654 $124,780,000 $190,000 $4,485,000 $82,000 $637,000
Refinancing 404 $57,660,000 $142,000 $9,005,000 $80,000 $511,000
Home Improvement 260 $15,250,000 $58,000 $385,000 $87,000 $367,000
Cash-out Refinancing 212 $33,940,000 $160,000 $675,000 $73,000 $336,000
Other Purpose 181 $10,175,000 $56,000 $325,000 $87,000 $763,000
Not Applicable 5 $425,000 $85,000 $135,000 $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 1,431 $175,655,000 $122,000 $1,305,000 $81,000 $637,000
Not applicable 144 $45,420,000 $315,000 $9,005,000 $97,000 $97,000
Not Provided 99 $15,865,000 $160,000 $805,000 $90,000 $763,000
Hispanic 19 $2,085,000 $109,000 $285,000 $78,000 $281,000
Black or African American 14 $1,640,000 $117,000 $205,000 $49,000 $109,000
American Indian or Alaskan Native 5 $685,000 $137,000 $335,000 $61,000 $105,000
Asian 3 $845,000 $281,000 $585,000 $144,000 $320,000
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) 1,346 $178,360,000 $132,000 $9,005,000 $85,000 $763,000
FHA-insured (Federal Housing Administration) 216 $34,660,000 $160,000 $425,000 $67,000 $231,000
VA-guaranteed (Veterans Administration) 98 $20,610,000 $210,000 $545,000 $75,000 $205,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 56 $8,600,000 $153,000 $225,000 $58,000 $92,000

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 1,058 $139,360,000 $131,000 $1,855,000 $86,000 $637,000
Application Denied By Financial Institution 277 $27,295,000 $98,000 $575,000 $68,000 $763,000
Application Withdrawn By Applicant 181 $28,105,000 $155,000 $805,000 $86,000 $364,000
Loan Purchased By The Institution 95 $15,965,000 $168,000 $425,000 $98,000 $180,000
File Closed For Incompleteness 57 $6,645,000 $116,000 $405,000 $63,000 $279,000
Application Approved But Not Accepted 47 $24,675,000 $525,000 $9,005,000 $78,000 $445,000
Preapproval Approved but not Accepted 1 $185,000 $185,000 $185,000 $90,000 $90,000
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 1,408 $209,430,000 $148,000 $9,005,000 $85,000 $637,000
Credit History 122 $9,490,000 $77,000 $535,000 $71,000 $511,000
Debt-To-Income Ratio 87 $11,615,000 $133,000 $965,000 $61,000 $297,000
Collateral 56 $6,690,000 $119,000 $555,000 $66,000 $336,000
Credit Application Incomplete 19 $2,145,000 $112,000 $235,000 $110,000 $763,000
Other 14 $1,500,000 $107,000 $225,000 $55,000 $134,000
Unverifiable Information 5 $805,000 $161,000 $195,000 $68,000 $118,000
Insufficient Cash (Downpayment, Closing Cost) 4 $350,000 $87,000 $145,000 $54,000 $77,000
Employment History 1 $205,000 $205,000 $205,000 $34,000 $34,000
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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