East Stroudsburg, PA Metro Area Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 9,232 mortgage applications in East Stroudsburg, PA metro area totaling $1.4 billion, up 16% from 2015. The average application was for $152,775, and applicants reported an average income of $79,000. 41% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank NA, with 777 applications, followed by loanDepot.com LLC and Essa Bank & Trust.
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| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 9,232 |
| Total Mortgage Loan Application Amount | $1,410,419,000 |
| Average Mortgage Loan Application Amount | $152,775 |
| Highest Mortgage Loan Application Amount | $60,550,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $6,180,000 |
Top Mortgage Lenders in East Stroudsburg, PA Metro Area (2016)
Ranked by the number of mortgage applications each lender reported in East Stroudsburg, PA metro area in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank NA Minneapolis, MN |
777 | $106,337,000 | $136,000 | $86,000 |
| 2 | loanDepot.com LLC Irvine, CA |
749 | $126,995,000 | $169,000 | $81,000 |
| 3 | Essa Bank & Trust Stroudsburg, PA |
482 | $65,209,000 | $135,000 | $118,000 |
| 4 | PNC Bank N.A. Pittsburgh, PA |
334 | $31,368,000 | $93,000 | $86,000 |
| 5 | Nationstar Mortgage Coppell, TX |
265 | $39,757,000 | $150,000 | $38,000 |
| 6 | Freedom Mortgage Corporation Fishers, IN |
225 | $37,703,000 | $167,000 | $31,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
192 | $27,944,000 | $145,000 | $101,000 |
| 8 | Atlantic Home Loans, Inc. Parsippany, NJ |
165 | $22,119,000 | $134,000 | $80,000 |
| 9 | PennyMac Loan Services LLC Westlake Village, CA |
162 | $24,101,000 | $148,000 | $4,000 |
| 10 | Ditech Financial LLC Fort Washington, PA |
153 | $21,588,000 | $141,000 | $80,000 |
See every lender active in East Stroudsburg, PA metro area in 2016 »
The tables below break down 2016 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 2016
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 | 4,438 | $716,916,000 | $161,000 | $2,808,000 | $72,000 | $2,712,000 |
| Home Purchase | 4,041 | $651,535,000 | $161,000 | $60,550,000 | $85,000 | $6,180,000 |
| Home Improvement | 753 | $41,968,000 | $55,000 | $575,000 | $82,000 | $1,254,000 |
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 | 5,083 | $704,485,000 | $138,000 | $1,169,000 | $89,000 | $2,712,000 |
| Not Provided | 1,035 | $158,989,000 | $153,000 | $807,000 | $79,000 | $1,200,000 |
| Black or African American | 972 | $160,464,000 | $165,000 | $768,000 | $69,000 | $681,000 |
| Hispanic | 968 | $139,719,000 | $144,000 | $444,000 | $70,000 | $1,020,000 |
| Not applicable | 876 | $202,776,000 | $231,000 | $60,550,000 | $18,000 | $2,220,000 |
| Asian | 226 | $34,024,000 | $150,000 | $500,000 | $157,000 | $6,180,000 |
| American Indian or Alaskan Native | 52 | $7,098,000 | $136,000 | $280,000 | $44,000 | $154,000 |
| Native Hawaiin or Other Pacific Islander | 20 | $2,864,000 | $143,000 | $338,000 | $97,000 | $557,000 |
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) | 5,527 | $822,734,000 | $148,000 | $60,550,000 | $101,000 | $6,180,000 |
| FHA-insured (Federal Housing Administration) | 2,744 | $417,822,000 | $152,000 | $528,000 | $45,000 | $1,020,000 |
| VA-guaranteed (Veterans Administration) | 770 | $145,112,000 | $188,000 | $588,000 | $52,000 | $816,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 191 | $24,751,000 | $129,000 | $338,000 | $39,000 | $110,000 |
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 | 3,775 | $536,890,000 | $142,000 | $2,808,000 | $90,000 | $6,180,000 |
| Application Denied By Financial Institution | 2,453 | $346,435,000 | $141,000 | $1,000,000 | $76,000 | $2,712,000 |
| Loan Purchased By The Institution | 1,120 | $234,511,000 | $209,000 | $60,550,000 | $45,000 | $6,180,000 |
| Application Withdrawn By Applicant | 1,098 | $166,344,000 | $151,000 | $588,000 | $77,000 | $2,195,000 |
| File Closed For Incompleteness | 509 | $80,038,000 | $157,000 | $885,000 | $84,000 | $1,497,000 |
| Application Approved But Not Accepted | 277 | $46,201,000 | $166,000 | $1,200,000 | $79,000 | $767,000 |
| 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 | 387 | $33,838,000 | $87,000 | $507,000 | $68,000 | $735,000 |
| Collateral | 372 | $59,588,000 | $160,000 | $560,000 | $97,000 | $1,632,000 |
| Debt-To-Income Ratio | 328 | $40,063,000 | $122,000 | $387,000 | $61,000 | $428,000 |
| Credit Application Incomplete | 125 | $19,511,000 | $156,000 | $426,000 | $75,000 | $549,000 |
| Other | 114 | $15,313,000 | $134,000 | $417,000 | $76,000 | $607,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 47 | $5,805,000 | $123,000 | $288,000 | $68,000 | $218,000 |
| Unverifiable Information | 32 | $4,966,000 | $155,000 | $353,000 | $78,000 | $218,000 |
| Employment History | 16 | $2,285,000 | $142,000 | $370,000 | $70,000 | $392,000 |
| Mortgage Insurance Denied | 2 | $227,000 | $113,000 | $150,000 | $46,000 | $52,000 |
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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