East Stroudsburg, PA Metro Area Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 6,833 mortgage applications in East Stroudsburg, PA metro area totaling $942.0 million. The average application was for $137,860, and applicants reported an average income of $79,000. 41% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 877 applications, followed by Essa Bank & Trust and PNC Bank N.A..
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| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 6,833 |
| Total Mortgage Loan Application Amount | $942,003,000 |
| Average Mortgage Loan Application Amount | $137,860 |
| Highest Mortgage Loan Application Amount | $1,594,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $5,304,000 |
Top Mortgage Lenders in East Stroudsburg, PA Metro Area (2014)
Ranked by the number of mortgage applications each lender reported in East Stroudsburg, PA metro area in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
877 | $118,183,000 | $134,000 | $78,000 |
| 2 | Essa Bank & Trust Stroudsburg, PA |
360 | $42,957,000 | $119,000 | $107,000 |
| 3 | PNC Bank N.A. Pittsburgh, PA |
305 | $29,535,000 | $96,000 | $78,000 |
| 4 | First Northern Bank and Trust Company Palmerton, PA |
263 | $19,018,000 | $72,000 | $76,000 |
| 5 | Nationstar Mortgage Coppell, TX |
249 | $38,743,000 | $155,000 | $61,000 |
| 6 | JPMorgan Chase Bank, NA Columbus, OH |
237 | $33,348,000 | $140,000 | $43,000 |
| 7 | loanDepot.com LLC Irvine, CA |
209 | $33,927,000 | $162,000 | $62,000 |
| 8 | Bank of America NA Westlake Village, CA |
208 | $31,763,000 | $152,000 | $93,000 |
| 9 | Gateway Funding Dms, LP Horsham, PA |
163 | $20,163,000 | $123,000 | $84,000 |
| 10 | Reliance First Capital, LLC Melville, NY |
137 | $22,138,000 | $161,000 | $70,000 |
See every lender active in East Stroudsburg, PA metro area in 2014 »
The tables below break down 2014 mortgage applications in East Stroudsburg, PA metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for East Stroudsburg, PA in 2014
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 | 3,241 | $483,056,000 | $149,000 | $696,000 | $76,000 | $5,304,000 |
| Home Purchase | 2,938 | $426,923,000 | $145,000 | $1,594,000 | $81,000 | $2,220,000 |
| Home Improvement | 654 | $32,024,000 | $48,000 | $525,000 | $86,000 | $4,152,000 |
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 | 4,000 | $514,317,000 | $128,000 | $1,000,000 | $90,000 | $5,304,000 |
| Not Provided | 785 | $116,744,000 | $148,000 | $634,000 | $86,000 | $1,285,000 |
| Not applicable | 660 | $105,066,000 | $159,000 | $1,594,000 | $15,000 | $350,000 |
| Black or African American | 654 | $101,015,000 | $154,000 | $487,000 | $67,000 | $432,000 |
| Hispanic | 564 | $80,712,000 | $143,000 | $383,000 | $73,000 | $537,000 |
| Asian | 119 | $16,339,000 | $137,000 | $332,000 | $93,000 | $530,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $3,924,000 | $150,000 | $340,000 | $121,000 | $1,080,000 |
| American Indian or Alaskan Native | 25 | $3,886,000 | $155,000 | $400,000 | $154,000 | $942,000 |
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) | 4,574 | $594,697,000 | $130,000 | $1,594,000 | $95,000 | $5,304,000 |
| FHA-insured (Federal Housing Administration) | 1,558 | $233,302,000 | $149,000 | $386,000 | $47,000 | $267,000 |
| VA-guaranteed (Veterans Administration) | 477 | $84,650,000 | $177,000 | $400,000 | $56,000 | $252,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 224 | $29,354,000 | $131,000 | $347,000 | $41,000 | $123,000 |
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 | 2,775 | $369,533,000 | $133,000 | $1,594,000 | $94,000 | $4,152,000 |
| Application Denied By Financial Institution | 1,744 | $230,067,000 | $131,000 | $800,000 | $73,000 | $1,000,000 |
| Loan Purchased By The Institution | 971 | $149,587,000 | $154,000 | $417,000 | $34,000 | $693,000 |
| Application Withdrawn By Applicant | 730 | $105,479,000 | $144,000 | $1,000,000 | $100,000 | $5,304,000 |
| File Closed For Incompleteness | 325 | $46,231,000 | $142,000 | $700,000 | $82,000 | $550,000 |
| Application Approved But Not Accepted | 288 | $41,106,000 | $142,000 | $540,000 | $75,000 | $415,000 |
| 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 | 335 | $30,846,000 | $92,000 | $413,000 | $70,000 | $942,000 |
| Collateral | 273 | $40,632,000 | $148,000 | $625,000 | $97,000 | $415,000 |
| Debt-To-Income Ratio | 263 | $31,334,000 | $119,000 | $650,000 | $58,000 | $495,000 |
| Credit Application Incomplete | 146 | $21,884,000 | $149,000 | $800,000 | $83,000 | $600,000 |
| Other | 103 | $14,197,000 | $137,000 | $650,000 | $79,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $6,688,000 | $128,000 | $315,000 | $78,000 | $493,000 |
| Unverifiable Information | 30 | $4,123,000 | $137,000 | $460,000 | $82,000 | $210,000 |
| Employment History | 15 | $1,834,000 | $122,000 | $276,000 | $57,000 | $200,000 |
| Mortgage Insurance Denied | 1 | $232,000 | $232,000 | $232,000 | $263,000 | $263,000 |
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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