Forest County, PA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 138 mortgage applications in Forest County, PA totaling $13.5 million, down 20% from 2021. The average application was for $98,000, and applicants reported an average income of $83,000. 52% of applications resulted in an originated loan and 27% were denied. The most active lender was Northwest Bank, with 27 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 | 138 |
| Total Mortgage Loan Application Amount | $13,540,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $373,000 |
| 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 |
* | $ 14,606,175,000 | 27 | $ 1,975,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 8,187,070,000 | 9 | $ 885,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 9 | $ 735,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 730,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 9,478,352,000 | 6 | $ 760,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 670,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 5,307,549,000 | 5 | $ 285,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 4 | $ 370,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 3 | $ 405,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 3 | $ 255,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 150,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 120,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 30,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 310,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 39,468,318,000 | 2 | $ 260,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 180,000 |
| The Farmers National Bank of Emlenton 612 MAIN STREET, PO DRAWER D EMLENTON, PA 16373 |
* | $ 1,054,178,000 | 2 | $ 120,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 170,000 |
| Marion Center Bank 1271 INDIAN SPRINGS RD INDIANA, PA 15701 |
* | $ 389,435,000 | 1 | $ 145,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 115,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 1,677,912,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 55,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 155,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 55,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 75,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 315,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 7,423,952,000 | 1 | $ 55,000 |
| Utilities Employees Credit Union 11 MERIDIAN BLVD WYOMISSING, PA 19610 |
* | $ 1,413,912,000 | 1 | $ 165,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 175,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 65,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 10,312,436,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 55,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 165,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 105,000 |
| Reliance Savings Bank 1119 12TH ST ALTOONA, PA 16602 |
* | $ 674,605,000 | 1 | $ 245,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 135,000 |
| Marquette Savings Bank 920 PEACH STREET ERIE, PA 16501 |
* | $ 1,172,608,000 | 1 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 85,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 345,000 |
| Armco Credit Union PO BOX 1589 BUTLER, PA 16003 |
* | $ 508,391,000 | 1 | $ 55,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 85,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,521,721,000 | 1 | $ 115,000 |
The tables below break down 2022 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 2022
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 | 62 | $6,530,000 | $105,000 | $345,000 | $85,000 | $208,000 |
| Cash-out Refinancing | 23 | $2,515,000 | $109,000 | $195,000 | $68,000 | $298,000 |
| Refinancing | 22 | $2,270,000 | $103,000 | $165,000 | $80,000 | $280,000 |
| Other Purpose | 20 | $1,330,000 | $66,000 | $315,000 | $82,000 | $230,000 |
| Home Improvement | 11 | $895,000 | $81,000 | $165,000 | $109,000 | $373,000 |
| 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 | 115 | $11,465,000 | $99,000 | $345,000 | $83,000 | $373,000 |
| Not Provided | 13 | $1,055,000 | $81,000 | $125,000 | $83,000 | $166,000 |
| Not applicable | 7 | $705,000 | $100,000 | $175,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Black or African American | 1 | $195,000 | $195,000 | $195,000 | $33,000 | $33,000 |
| Hispanic | 1 | $75,000 | $75,000 | $75,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 108 | $9,980,000 | $92,000 | $345,000 | $89,000 | $373,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,010,000 | $125,000 | $195,000 | $56,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 9 | $975,000 | $108,000 | $155,000 | $55,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $575,000 | $115,000 | $135,000 | $70,000 | $103,000 |
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 | 72 | $7,290,000 | $101,000 | $345,000 | $89,000 | $373,000 |
| Application Denied By Financial Institution | 37 | $3,355,000 | $90,000 | $195,000 | $67,000 | $298,000 |
| Application Withdrawn By Applicant | 15 | $1,485,000 | $99,000 | $315,000 | $110,000 | $208,000 |
| Loan Purchased By The Institution | 6 | $650,000 | $108,000 | $175,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $365,000 | $73,000 | $85,000 | $43,000 | $76,000 |
| Application Approved But Not Accepted | 3 | $395,000 | $131,000 | $175,000 | $56,000 | $63,000 |
| 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 | 100 | $10,040,000 | $100,000 | $345,000 | $89,000 | $373,000 |
| Credit History | 16 | $1,320,000 | $82,000 | $195,000 | $81,000 | $298,000 |
| Credit Application Incomplete | 7 | $775,000 | $110,000 | $145,000 | $56,000 | $106,000 |
| Collateral | 6 | $570,000 | $95,000 | $145,000 | $52,000 | $87,000 |
| Debt-To-Income Ratio | 5 | $475,000 | $95,000 | $155,000 | $29,000 | $53,000 |
| Other | 4 | $360,000 | $90,000 | $125,000 | $98,000 | $117,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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