Elk County, PA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 788 mortgage applications in Elk County, PA totaling $76.8 million, down 26% from 2022. The average application was for $97,000, and applicants reported an average income of $88,000. 57% of applications resulted in an originated loan and 19% were denied. The most active lender was First Commonwealth Bank, with 154 applications, followed by Cnb Bank and Northwest Bank.
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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 | 788 |
| Total Mortgage Loan Application Amount | $76,750,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $2,484,000 |
* 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 |
|---|---|---|---|---|
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,776,999,000 | 154 | $ 11,880,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 5,453,779,000 | 128 | $ 12,960,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,213,677,000 | 124 | $ 10,750,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 25 | $ 1,915,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 8,070,968,000 | 19 | $ 1,085,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 1,725,000 |
| Farmers National Bank 1 SOUTH MAIN STREET NILES, OH 44446 |
* | $ 4,065,303,000 | 17 | $ 1,925,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 16 | $ 2,120,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 2,065,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 9,106,184,000 | 12 | $ 1,800,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 10 | $ 1,180,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 955,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 9 | $ 515,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 8 | $ 550,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 8 | $ 710,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 8 | $ 730,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 840,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 755,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 1,451,067,000 | 7 | $ 615,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 705,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 6 | $ 400,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 830,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 935,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 405,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,439,371,000 | 4 | $ 400,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 330,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 550,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 385,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 3 | $ 235,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 355,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 3 | $ 325,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 205,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 135,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 305,000 |
| Timberland Federal Credit Union 821 BEAVER DR DUBOIS, PA 15801 |
* | $ 86,086,000 | 2 | $ 70,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 150,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 150,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 280,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 270,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 150,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 2 | $ 200,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 190,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 180,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 210,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 90,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 160,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 190,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 50,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 280,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 205,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 1 | $ 85,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 415,343,000 | 1 | $ 65,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 195,000 |
| Somerset Trust Company 151 WEST MAIN STREET SOMERSET, PA 15501 |
* | $ 2,017,848,000 | 1 | $ 35,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 335,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 115,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,508,761,000 | 1 | $ 85,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 175,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 65,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 125,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 35,000 |
| Nextier Bank, National Association 245 PITTSBURGH RD KITTANNING, PA 16201 |
* | $ 1,991,078,000 | 1 | $ 115,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ 7,207,694,000 | 1 | $ 295,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 175,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 125,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ 398,740,000 | 1 | $ 55,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ 506,725,000 | 1 | $ 55,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 85,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ -1,000 | 1 | $ 155,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 225,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 45,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 1 | $ 85,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 155,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 2,121,428,000 | 1 | $ 65,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 65,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 125,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 105,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 215,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 435,000 |
| Foote Capital Mortgage Company 17 E HIGH ST SUITE 102 CARLISLE, PA 17013 |
* | $ -1,000 | 1 | $ 205,000 |
| First Heritage Financial LLC 2655 NESHAMINY INTERPLEX DR - STE 105 TREVOSE, PA 19053 |
* | $ -1,000 | 1 | $ 55,000 |
| Mars Bank PO BOX 927 MARS, PA 16046 |
* | $ 514,573,000 | 1 | $ 125,000 |
| Freedom Credit Uniton 626 JACKSONVILLE ROAD #250 WARMINSTER, PA 18974 |
* | $ 1,151,135,000 | 1 | $ 15,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ -1,000 | 1 | $ 125,000 |
| Marion Center Bank 1271 INDIAN SPRINGS RD INDIANA, PA 15701 |
* | $ 384,898,000 | 1 | $ 65,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 125,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 95,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 6,987,615,000 | 1 | $ 65,000 |
The tables below break down 2023 mortgage applications in Elk 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 Elk County, PA in 2023
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 | 346 | $41,590,000 | $120,000 | $435,000 | $87,000 | $2,484,000 |
| Home Improvement | 146 | $7,740,000 | $53,000 | $385,000 | $98,000 | $965,000 |
| Other Purpose | 122 | $8,490,000 | $69,000 | $725,000 | $95,000 | $800,000 |
| Cash-out Refinancing | 88 | $10,620,000 | $120,000 | $405,000 | $71,000 | $280,000 |
| Refinancing | 86 | $8,310,000 | $96,000 | $835,000 | $79,000 | $325,000 |
| 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 | 646 | $60,060,000 | $92,000 | $725,000 | $86,000 | $2,484,000 |
| Not Provided | 70 | $8,780,000 | $125,000 | $835,000 | $109,000 | $907,000 |
| Not applicable | 64 | $7,220,000 | $112,000 | $345,000 | $20,000 | $20,000 |
| Asian | 3 | $185,000 | $61,000 | $125,000 | $58,000 | $61,000 |
| Black or African American | 2 | $110,000 | $55,000 | $85,000 | $129,000 | $140,000 |
| Hispanic | 2 | $330,000 | $165,000 | $205,000 | $80,000 | $93,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $78,000 | $78,000 |
| 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) | 655 | $61,115,000 | $93,000 | $835,000 | $92,000 | $2,484,000 |
| FHA-insured (Federal Housing Administration) | 91 | $10,065,000 | $110,000 | $325,000 | $61,000 | $184,000 |
| VA-guaranteed (Veterans Administration) | 28 | $4,290,000 | $153,000 | $435,000 | $81,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,280,000 | $91,000 | $155,000 | $56,000 | $87,000 |
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 | 453 | $46,345,000 | $102,000 | $835,000 | $90,000 | $965,000 |
| Application Denied By Financial Institution | 153 | $12,175,000 | $79,000 | $325,000 | $65,000 | $423,000 |
| Application Withdrawn By Applicant | 70 | $7,150,000 | $102,000 | $375,000 | $123,000 | $2,484,000 |
| Loan Purchased By The Institution | 57 | $6,265,000 | $109,000 | $345,000 | $83,000 | $262,000 |
| File Closed For Incompleteness | 32 | $2,900,000 | $90,000 | $225,000 | $60,000 | $135,000 |
| Application Approved But Not Accepted | 22 | $1,840,000 | $83,000 | $225,000 | $134,000 | $907,000 |
| Preapproval Approved but not Accepted | 1 | $75,000 | $75,000 | $75,000 | $23,000 | $23,000 |
| 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 | 633 | $64,385,000 | $101,000 | $835,000 | $94,000 | $2,484,000 |
| Credit History | 63 | $3,365,000 | $53,000 | $225,000 | $62,000 | $174,000 |
| Debt-To-Income Ratio | 40 | $3,440,000 | $86,000 | $255,000 | $47,000 | $166,000 |
| Collateral | 32 | $3,200,000 | $100,000 | $325,000 | $88,000 | $423,000 |
| Other | 8 | $760,000 | $95,000 | $155,000 | $81,000 | $170,000 |
| Unverifiable Information | 5 | $625,000 | $125,000 | $255,000 | $67,000 | $127,000 |
| Credit Application Incomplete | 5 | $735,000 | $147,000 | $255,000 | $103,000 | $151,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $81,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $21,000 | $21,000 |
| 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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