Forest County, PA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 109 mortgage applications in Forest County, PA totaling $14.4 million, down 21% from 2022. The average application was for $132,000, and applicants reported an average income of $99,000. 55% of applications resulted in an originated loan and 24% were denied. The most active lender was Northwest Bank, with 11 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 | 109 |
| Total Mortgage Loan Application Amount | $14,415,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $361,000 |
| 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 |
* | $ 14,213,677,000 | 11 | $ 1,105,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 8,070,968,000 | 7 | $ 435,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 7 | $ 1,085,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 5 | $ 525,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 5 | $ 595,000 |
| Mars Bank PO BOX 927 MARS, PA 16046 |
* | $ 514,573,000 | 4 | $ 700,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 490,000 |
| Farmers National Bank 1 SOUTH MAIN STREET NILES, OH 44446 |
* | $ 4,065,303,000 | 4 | $ 600,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 4 | $ 1,030,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 260,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 3 | $ 335,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 5,453,779,000 | 3 | $ 585,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 200,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 320,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 300,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,776,999,000 | 2 | $ 140,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 9,106,184,000 | 2 | $ 510,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 2 | $ 190,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 160,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 70,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 610,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 180,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 1,817,155,000 | 1 | $ 205,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 95,000 |
| Mercer County State Bank 3279 S MAIN STREET SANDY LAKE, PA 16145 |
* | $ 551,097,000 | 1 | $ 305,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 11,417,843,000 | 1 | $ 185,000 |
| Schumacher Mortgage LLC 2715 WISE AVENUE SUITE 100 CANTON, OH 44708 |
* | $ -1,000 | 1 | $ 265,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 35,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 275,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 205,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 125,000 |
| Elderton State Bank 143 NORTH MAIN STREET, P.O. BOX 427 ELDERTON, PA 15736 |
* | $ 345,804,000 | 1 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 105,000 |
| Greenville Savings Bank 233 MAIN STREET GREENVILLE, PA 16125 |
* | $ 317,862,000 | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 225,000 |
| First Heritage Financial LLC 2655 NESHAMINY INTERPLEX DR - STE 105 TREVOSE, PA 19053 |
* | $ -1,000 | 1 | $ 165,000 |
| Federated Mortgage Corp 1301 GRANDVIEW AVE SUITE #100 PITTSBURGH, PA 15211 |
* | $ -1,000 | 1 | $ 185,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 85,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 105,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ -1,000 | 1 | $ 105,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 1,451,067,000 | 1 | $ 65,000 |
The tables below break down 2023 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 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 | 52 | $8,470,000 | $162,000 | $505,000 | $110,000 | $352,000 |
| Home Improvement | 19 | $1,065,000 | $56,000 | $125,000 | $86,000 | $236,000 |
| Cash-out Refinancing | 16 | $1,830,000 | $114,000 | $255,000 | $81,000 | $275,000 |
| Other Purpose | 13 | $1,685,000 | $129,000 | $265,000 | $113,000 | $361,000 |
| Refinancing | 9 | $1,365,000 | $151,000 | $445,000 | $84,000 | $150,000 |
| 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 | 91 | $11,895,000 | $130,000 | $505,000 | $105,000 | $361,000 |
| Not Provided | 10 | $1,540,000 | $154,000 | $445,000 | $55,000 | $102,000 |
| Not applicable | 6 | $820,000 | $136,000 | $225,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $35,000 | $35,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $92,000 | $92,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 87 | $11,115,000 | $127,000 | $505,000 | $105,000 | $361,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,310,000 | $109,000 | $215,000 | $63,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,990,000 | $199,000 | $475,000 | $95,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 60 | $7,430,000 | $123,000 | $505,000 | $110,000 | $361,000 |
| Application Denied By Financial Institution | 26 | $3,770,000 | $145,000 | $475,000 | $86,000 | $275,000 |
| Application Withdrawn By Applicant | 9 | $1,105,000 | $122,000 | $265,000 | $83,000 | $154,000 |
| Loan Purchased By The Institution | 8 | $1,070,000 | $133,000 | $225,000 | $88,000 | $88,000 |
| File Closed For Incompleteness | 4 | $560,000 | $140,000 | $305,000 | $61,000 | $102,000 |
| Application Approved But Not Accepted | 2 | $480,000 | $240,000 | $445,000 | $93,000 | $95,000 |
| 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 | 78 | $9,970,000 | $127,000 | $505,000 | $106,000 | $361,000 |
| Collateral | 10 | $1,660,000 | $166,000 | $475,000 | $127,000 | $275,000 |
| Debt-To-Income Ratio | 10 | $1,750,000 | $175,000 | $365,000 | $65,000 | $102,000 |
| Credit History | 7 | $425,000 | $60,000 | $105,000 | $53,000 | $80,000 |
| Other | 3 | $345,000 | $115,000 | $205,000 | $52,000 | $85,000 |
| Credit Application Incomplete | 1 | $265,000 | $265,000 | $265,000 | $162,000 | $162,000 |
| 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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