Columbia County, PA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,877 mortgage applications in Columbia County, PA totaling $281.7 million, up 16% from 2023. The average application was for $150,000, and applicants reported an average income of $100,000. 61% of applications resulted in an originated loan and 16% were denied. The most active lender was Journey Bank, with 278 applications, followed by First Keystone Community Bank and Service 1st Federal Credit Uni.

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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 1,877
Total Mortgage Loan Application Amount $281,715,000
Average Mortgage Loan Application Amount $150,000
Highest Mortgage Loan Application Amount $6,705,000
Average Applicant Income $100,000
Highest Applicant Income $1,813,000

Mortgage Company List for Lending in Columbia County, PA for 2024

* 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
Journey Bank
232 EAST ST. PO BOX 240
BLOOMSBURG, PA 17815
* $ n/a 278 $ 46,970,000
First Keystone Community Bank
111 W FRONT ST
BERWICK, PA 18603
* $ n/a 125 $ 17,325,000
Service 1st Federal Credit Uni
1985 MONTOUR BLVD PO BOX 159
DANVILLE, PA 17821
* $ n/a 101 $ 10,115,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ n/a 91 $ 7,795,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ n/a 67 $ 9,825,000
Philadelphia Federal Credit Un
12800 TOWNSEND RD
PHILADELPHIA, PA 19154
* $ n/a 63 $ 4,595,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 60 $ 11,040,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 60 $ 7,360,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 52 $ 6,320,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 44 $ 8,880,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 35 $ 8,715,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 34 $ 6,300,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 34 $ 2,550,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 31 $ 3,905,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 25 $ 5,455,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 25 $ 3,285,000
Mc Federal Credit Union
230 WALNUT ST
DANVILLE, PA 17821
* $ n/a 23 $ 2,375,000
Mc Federal Credit Union
230 WALNUT ST
DANVILLE, PA 17821
* $ n/a 23 $ 2,375,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 20 $ 3,440,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 19 $ 3,185,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 19 $ 2,775,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 3,920,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 18 $ 960,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ n/a 17 $ 2,675,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ n/a 17 $ 1,695,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 16 $ 4,110,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 16 $ 2,720,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 15 $ 2,835,000
Susquehanna Community Bank
940 HIGH STREET
WEST MILTON, PA 17886
* $ n/a 14 $ 2,020,000
Unb Bank
1 NORTH OAK STREET, PO BOX 367
MOUNT CARMEL, PA 17851
* $ n/a 14 $ 1,890,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 13 $ 3,025,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 13 $ 2,775,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 12 $ 2,390,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 12 $ 760,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 1,325,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 10 $ 700,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 10 $ 1,990,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 10 $ 400,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ n/a 9 $ 2,825,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 9 $ 1,665,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 9 $ 945,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 9 $ 1,365,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ n/a 9 $ 1,315,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 8 $ 370,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 8 $ 1,700,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 8 $ 1,140,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 8 $ 2,420,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ n/a 8 $ 900,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 7 $ 1,665,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 7 $ 645,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 7 $ 1,215,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 6 $ 730,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 6 $ 1,380,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,160,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 6 $ 690,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 1,035,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ n/a 5 $ 785,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,345,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ n/a 5 $ 715,000
Palco Federal Credit Union
191 CHAD ROAD, PO BOX 330
MUNCY, PA 17756
* $ n/a 5 $ 485,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 5 $ 875,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 5 $ 925,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 4 $ 180,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 4 $ 810,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 560,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 4 $ 640,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 4 $ 790,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 4 $ 500,000
Mifflinburg Bank & Trust
250 E. CHESTNUT STREET, PO BOX 186
MIFFLINBURG, PA 17844
* $ n/a 4 $ 830,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 4 $ 940,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 910,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 3 $ 345,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 455,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 3 $ 375,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 585,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 3 $ 695,000
Police and Fire Federal Credit Union
901 ARCH ST
PHILADELPHIA, PA 19107
* $ n/a 3 $ 165,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 3 $ 645,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ n/a 3 $ 365,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 3 $ 665,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 3 $ 715,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 3 $ 475,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 3 $ 375,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 505,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ n/a 3 $ 635,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 3 $ 865,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 675,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 250,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 2 $ 280,000
Fairway Consumer Discount Co
8 MARION ST
LUZERNE, PA 18709
* $ n/a 2 $ 40,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 320,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ n/a 2 $ 80,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 310,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 90,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 440,000
Horizon Federal Credit Union
2849 REACH ROAD
WILLIAMSPORT, PA 17701
* $ n/a 2 $ 270,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 510,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 30,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 2 $ 410,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 450,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 260,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ n/a 2 $ 130,000
Citadel Federal Credit Union
520 EAGLEVIEW BLVD
EXTON, PA 19341
* $ n/a 2 $ 80,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 630,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 2 $ 300,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 370,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 860,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 125,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 135,000
Americhoice Federal Credit Union
2175 BUMBLE BEE HOLLOW ROAD
MECHANICSBURG, PA 17055
* $ n/a 1 $ 45,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ n/a 1 $ 245,000
Woodlands Bank
2450 EAST THIRD ST
WILLIAMSPORT, PA 17701
* $ n/a 1 $ 205,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 1 $ 205,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 155,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 45,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 185,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ n/a 1 $ 425,000
Bayport Funding LLC
98 CUTTERMILL ROAD, SUITE 424N
GREAT NECK, NY 11021
* $ n/a 1 $ 165,000
Plus Relocation Mortgage, LLC
1100 VIRGINIA DRIVE, SUITE 125
FORT WASHINGTON, PA 19034
* $ n/a 1 $ 385,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 595,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 85,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 1 $ 185,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 245,000
Home Mortgage Alliance Corp (Hmac)
4 HUTTON CENTER DR. SUITE 500
SANTA ANA, CA 92707
* $ n/a 1 $ 165,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 1 $ 215,000
Reliant Home Funding, Inc
445 BROADHOLLOW RD SUITE 334
MELVILLE, NY 11747
* $ n/a 1 $ 185,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 55,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 65,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ n/a 1 $ 205,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 1 $ 185,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 175,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 155,000
Kearny Bank
120 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 1 $ 65,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 235,000
First Federal Bank of Kansas City

LENEXA, KS 66211
* $ n/a 1 $ 175,000
State Financial Network LLC
5 HILLMAN DR
CHADDS FORD, PA 19317
* $ n/a 1 $ 235,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 45,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ n/a 1 $ 145,000
Abl Rpc Residential Credit Acquisition LLC
30 MONTGOMERY ST STE 150
JERSEY CITY, NJ 07302
* $ n/a 1 $ 135,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 135,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 365,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 105,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 115,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 145,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 145,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 585,000
Navigant Credit Union
1005 DOUGLAS PIKE
SMITHFIELD, RI 02917
* $ n/a 1 $ 135,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ n/a 1 $ 75,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 125,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 125,000
First Commonwealth Federal Cre
257 BRODHEAD ROAD
ALLENTOWN, PA 18106
* $ n/a 1 $ 105,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 1 $ 215,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 265,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 265,000
Acre Mortgage & Financial, Inc.
70 EAST MAIN STREET
MARLTON, NJ 08053
* $ n/a 1 $ 235,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 185,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 165,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ n/a 1 $ 45,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 245,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ n/a 1 $ 125,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 185,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ n/a 1 $ 85,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 185,000

The tables below break down 2024 mortgage applications in Columbia 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 Columbia 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 830 $166,430,000 $200,000 $6,705,000 $104,000 $1,813,000
Other Purpose 357 $25,145,000 $70,000 $355,000 $106,000 $695,000
Home Improvement 243 $16,465,000 $67,000 $425,000 $107,000 $1,352,000
Cash-out Refinancing 224 $35,110,000 $156,000 $395,000 $75,000 $384,000
Refinancing 223 $38,565,000 $172,000 $3,225,000 $91,000 $571,000
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 1,418 $197,030,000 $138,000 $6,705,000 $98,000 $1,813,000
Not Provided 175 $26,215,000 $149,000 $635,000 $103,000 $695,000
Not applicable 162 $36,300,000 $224,000 $3,225,000 $161,000 $298,000
Hispanic 62 $9,400,000 $151,000 $425,000 $71,000 $242,000
Asian 26 $7,150,000 $275,000 $505,000 $235,000 $888,000
Black or African American 26 $4,340,000 $166,000 $375,000 $114,000 $573,000
Native Hawaiian or Other Pacific Islander 4 $840,000 $210,000 $295,000 $108,000 $149,000
American Indian or Alaskan Native 4 $440,000 $110,000 $185,000 $83,000 $143,000

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) 1,460 $190,370,000 $130,000 $3,225,000 $105,000 $1,813,000
FHA-insured (Federal Housing Administration) 235 $43,985,000 $187,000 $485,000 $74,000 $266,000
VA-guaranteed (Veterans Administration) 154 $35,880,000 $232,000 $595,000 $83,000 $195,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $11,480,000 $410,000 $6,705,000 $69,000 $105,000

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 1,151 $175,535,000 $152,000 $6,705,000 $107,000 $1,813,000
Application Denied By Financial Institution 305 $35,495,000 $116,000 $825,000 $77,000 $810,000
Application Withdrawn By Applicant 189 $31,265,000 $165,000 $635,000 $95,000 $888,000
Loan Purchased By The Institution 97 $20,865,000 $215,000 $445,000 $139,000 $298,000
File Closed For Incompleteness 89 $10,935,000 $122,000 $415,000 $107,000 $1,352,000
Application Approved But Not Accepted 44 $6,770,000 $153,000 $595,000 $82,000 $195,000
Preapproval Approved but not Accepted 2 $850,000 $425,000 $485,000 $238,000 $266,000
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 1,524 $240,180,000 $157,000 $6,705,000 $105,000 $1,813,000
Debt-To-Income Ratio 121 $14,655,000 $121,000 $405,000 $75,000 $300,000
Credit History 93 $8,895,000 $95,000 $585,000 $84,000 $573,000
Collateral 50 $7,610,000 $152,000 $575,000 $102,000 $810,000
Credit Application Incomplete 44 $4,170,000 $94,000 $305,000 $80,000 $315,000
Other 18 $2,700,000 $150,000 $365,000 $72,000 $147,000
Unverifiable Information 16 $2,340,000 $146,000 $825,000 $68,000 $130,000
Employment History 7 $745,000 $106,000 $185,000 $48,000 $74,000
Insufficient Cash (Downpayment, Closing Cost) 4 $420,000 $105,000 $175,000 $72,000 $117,000
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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