Forest County, PA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 152 mortgage applications in Forest County, PA totaling $12.2 million, up 28% from 2017. The average application was for $80,000, and applicants reported an average income of $80,000. 50% of applications resulted in an originated loan and 26% were denied. The most active lender was Northwest Bank, with 39 applications, followed by Pennsylvania State Employees Credit Union and PNC Bank N.A..
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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 | 152 |
| Total Mortgage Loan Application Amount | $12,180,000 |
| Average Mortgage Loan Application Amount | $80,000 |
| Highest Mortgage Loan Application Amount | $285,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $689,000 |
| 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 |
* | $ 9,431,473,000 | 39 | $ 2,675,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 5,094,016,000 | 10 | $ 570,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 10 | $ 490,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 7,038,696,000 | 6 | $ 400,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 6 | $ 780,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 6 | $ 430,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 31,211,939,000 | 5 | $ 325,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 5 | $ 405,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 4 | $ 300,000 |
| The Farmers National Bank of Emlenton 612 MAIN STREET, PO DRAWER D EMLENTON, PA 16373 |
* | $ 749,229,000 | 4 | $ 170,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 255,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 455,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 2 | $ 210,000 |
| Cornerstone Bank 9120 W 135TH ST OVERLAND PARK, KS 66221 |
* | $ 376,321,000 | 2 | $ 80,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 210,000 |
| Marquette Savings Bank 920 PEACH STREET ERIE, PA 16501 |
* | $ 841,525,000 | 2 | $ 80,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 160,000 |
| Citizens Bank of Pennsylvania ONE LOGAN SQUARE, 130 NORTH 18TH STREET PHILADELPHIA, PA 19103 |
* | $ 35,671,974,000 | 2 | $ 310,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 300,000 |
| 1st Summit Bank 125 DONALD LANE JOHNSTOWN, PA 15904 |
* | $ 1,027,288,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 215,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 8,294,175,000 | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 195,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 7,281,983,000 | 1 | $ 75,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 45,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 2,748,891,000 | 1 | $ 35,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 35,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ -1,000 | 1 | $ 75,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| Altoona First Savings Bank 203 N. LOGAN BOULEVARD ALTOONA, PA 16602 |
* | $ 218,751,000 | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ -1,000 | 1 | $ 245,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 4,022,727,000 | 1 | $ 45,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 1,179,020,000 | 1 | $ 45,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 55,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 225,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 71 | $6,215,000 | $87,000 | $245,000 | $90,000 | $689,000 |
| Cash-out Refinancing | 23 | $1,935,000 | $84,000 | $145,000 | $50,000 | $111,000 |
| Other Purpose | 21 | $1,845,000 | $87,000 | $215,000 | $91,000 | $288,000 |
| Refinancing | 20 | $1,190,000 | $59,000 | $285,000 | $67,000 | $279,000 |
| Home Improvement | 16 | $940,000 | $58,000 | $105,000 | $77,000 | $131,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 140 | $11,180,000 | $79,000 | $245,000 | $81,000 | $689,000 |
| Not Provided | 8 | $660,000 | $82,000 | $285,000 | $59,000 | $102,000 |
| Not applicable | 3 | $325,000 | $108,000 | $195,000 | $0 | $0 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $70,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 126 | $9,290,000 | $73,000 | $285,000 | $85,000 | $689,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,840,000 | $102,000 | $215,000 | $54,000 | $266,000 |
| VA-guaranteed (Veterans Administration) | 6 | $910,000 | $151,000 | $225,000 | $51,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $140,000 | $70,000 | $95,000 | $28,000 | $44,000 |
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 | $6,430,000 | $84,000 | $285,000 | $89,000 | $689,000 |
| Application Denied By Financial Institution | 40 | $2,830,000 | $70,000 | $245,000 | $57,000 | $173,000 |
| Application Withdrawn By Applicant | 21 | $1,475,000 | $70,000 | $185,000 | $79,000 | $288,000 |
| File Closed For Incompleteness | 9 | $865,000 | $96,000 | $215,000 | $112,000 | $282,000 |
| Loan Purchased By The Institution | 4 | $480,000 | $120,000 | $195,000 | $94,000 | $94,000 |
| Application Approved But Not Accepted | 2 | $100,000 | $50,000 | $55,000 | $31,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 110 | $9,270,000 | $84,000 | $285,000 | $89,000 | $689,000 |
| Credit History | 13 | $585,000 | $45,000 | $115,000 | $56,000 | $131,000 |
| Collateral | 11 | $985,000 | $89,000 | $245,000 | $76,000 | $173,000 |
| Debt-To-Income Ratio | 8 | $630,000 | $78,000 | $145,000 | $61,000 | $166,000 |
| Other | 5 | $445,000 | $89,000 | $145,000 | $47,000 | $86,000 |
| Unverifiable Information | 2 | $90,000 | $45,000 | $55,000 | $26,000 | $36,000 |
| Credit Application Incomplete | 2 | $140,000 | $70,000 | $75,000 | $17,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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