Forest County, PA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 137 mortgage applications in Forest County, PA totaling $10.3 million, down 17% from 2009. The average application was for $74,000, and applicants reported an average income of $67,000. 55% of applications resulted in an originated loan and 23% were denied. The most active lender was Northwest Bank, with 50 applications, followed by PNC Bank N.A. and S&T 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 | 137 |
| Total Mortgage Loan Application Amount | $10,256,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $292,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $270,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,075,575,000 | 50 | $ 2,731,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 15 | $ 1,395,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 4,147,177,000 | 12 | $ 497,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 6 | $ 643,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 491,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 5 | $ 602,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,388,040,000 | 4 | $ 629,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 245,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 171,000 |
| First Niagara Bank, N.A. 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 14,452,230,000 | 3 | $ 176,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 247,000 |
| Nextier Bank, National Association 245 PITTSBURGH RD KITTANNING, PA 16201 |
* | $ 365,301,000 | 2 | $ 79,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,503,127,000 | 2 | $ 198,000 |
| SSB Bank 8700 PERRY HIGHWAY PITTSBURGH, PA 15237 |
* | $ 76,264,000 | 2 | $ 107,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 58,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 1 | $ 115,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER PITTSBURGH, PA 15222 |
* | $ 5,930,656,000 | 1 | $ 53,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,566,901,000 | 1 | $ 87,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 269,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 250,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 58,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Vist Bank 1240 BROADCASTING RD WYOMISSING, PA 19610 |
* | $ 1,288,564,000 | 1 | $ 116,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 250,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 8,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 1 | $ 58,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 17,000 |
| Altoona First Savings Bank 203 N. LOGAN BOULEVARD ALTOONA, PA 16602 |
* | $ 190,836,000 | 1 | $ 62,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 1,143,822,000 | 1 | $ 41,000 |
| Omega Federal Credit Union PO BOX 15038 PITTSBURGH, PA 15237 |
* | $ 76,413,000 | 1 | $ 38,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 1,773,357,000 | 1 | $ 28,000 |
The tables below break down 2010 mortgage applications in Forest 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 Forest County, PA in 2010
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 | 73 | $6,490,000 | $88,000 | $292,000 | $64,000 | $249,000 |
| Home Purchase | 47 | $3,110,000 | $66,000 | $250,000 | $75,000 | $270,000 |
| Home Improvement | 17 | $656,000 | $38,000 | $126,000 | $58,000 | $144,000 |
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 | 112 | $8,748,000 | $78,000 | $292,000 | $67,000 | $249,000 |
| Not Provided | 21 | $1,137,000 | $54,000 | $140,000 | $73,000 | $270,000 |
| Not applicable | 3 | $366,000 | $122,000 | $250,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $92,000 | $92,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 117 | $8,856,000 | $75,000 | $292,000 | $71,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 12 | $872,000 | $72,000 | $122,000 | $52,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $262,000 | $65,000 | $80,000 | $43,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 4 | $266,000 | $66,000 | $92,000 | $15,000 | $61,000 |
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 | 76 | $5,511,000 | $72,000 | $250,000 | $77,000 | $270,000 |
| Application Denied By Financial Institution | 31 | $2,192,000 | $70,000 | $250,000 | $54,000 | $144,000 |
| Application Withdrawn By Applicant | 9 | $610,000 | $67,000 | $108,000 | $58,000 | $170,000 |
| Loan Purchased By The Institution | 8 | $761,000 | $95,000 | $250,000 | $24,000 | $77,000 |
| Application Approved But Not Accepted | 7 | $657,000 | $93,000 | $292,000 | $80,000 | $181,000 |
| File Closed For Incompleteness | 6 | $525,000 | $87,000 | $269,000 | $57,000 | $105,000 |
| 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 | 9 | $447,000 | $49,000 | $121,000 | $55,000 | $144,000 |
| Collateral | 6 | $353,000 | $58,000 | $102,000 | $53,000 | $85,000 |
| Debt-To-Income Ratio | 5 | $492,000 | $98,000 | $226,000 | $36,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $204,000 | $102,000 | $114,000 | $84,000 | $136,000 |
| Credit Application Incomplete | 1 | $46,000 | $46,000 | $46,000 | $44,000 | $44,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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