Huntingdon County, PA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,673 mortgage applications in Huntingdon County, PA totaling $195.4 million, up 14% from 2011. The average application was for $116,000, and applicants reported an average income of $70,000. 61% of applications resulted in an originated loan and 18% were denied. The most active lender was First National Bank of Pa, with 285 applications, followed by Kish Valley National Bank and Wells Fargo Bank NA.

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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 1,673
Total Mortgage Loan Application Amount $195,354,000
Average Mortgage Loan Application Amount $116,000
Highest Mortgage Loan Application Amount $8,550,000
Average Applicant Income $70,000
Highest Applicant Income $1,306,000

Mortgage Company List for Lending in Huntingdon County, PA for 2012

* 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 National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 9,651,294,000 285 $ 21,404,000
Kish Valley National Bank
4255 EAST MAIN ST PO BOX 917
BELLEVILLE, PA 17004
* $ 557,904,000 266 $ 24,199,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 133 $ 20,549,000
Riverview Bk
11 NORTH SECOND STREET
CLEARFIELD, PA 16830
* $ 404,927,000 92 $ 7,011,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 7,975,877,000 67 $ 8,091,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 3,827,077,000 62 $ 5,441,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 39 $ 3,962,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 36 $ 4,114,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 35 $ 4,325,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 34 $ 4,920,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 986,320,000 34 $ 3,115,000
Reliance Savings Bank
1119 12TH ST
ALTOONA, PA 16602
* $ 378,548,000 30 $ 4,436,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 28 $ 4,513,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 20 $ 4,055,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 18 $ 2,537,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 753,288,000 17 $ 1,744,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 5,779,041,000 16 $ 1,322,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 15 $ 1,287,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 14 $ 2,242,000
Susquehanna Bank
1570 MANHEIM PIKE PO BOX 3300
LANCASTER, PA 17604
* $ 14,849,006,000 13 $ 1,335,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 13 $ 1,845,000
The Juniata Valley Bank
1 S MAIN ST
MIFFLINTOWN, PA 17059
* $ 441,601,000 13 $ 922,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 13 $ 2,114,000
Midwest Loan Solutions, Inc.
29777 TELEGRAPH RD. SUITE 3580
SOUTHFIELD, MI 48034
* $ 46,200,000 10 $ 1,407,000
Spe
650 SCIENCE PARK ROAD
STATE COLLEGE, PA 16803
* $ 74,548,000 10 $ 418,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 10 $ 1,051,000
Agchoice Farm Credit Aca
300 WINDING CREEK BLVD
MECHANICSBURG, PA 17050
* $ 12,000,000 10 $ 2,055,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 9 $ 984,000
National Penn Bank
PO BOX 547
BOYERTOWN, PA 19512
* $ 8,395,863,000 9 $ 1,389,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,229,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 2,081,614,000 8 $ 538,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 998,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 7 $ 985,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 882,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 7 $ 1,074,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 7 $ 991,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 754,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 6 $ 906,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 6 $ 866,000
Northwest Consumer Discount Co., Inc.
151B PITTSBURGH ROAD
BUTLER, PA 16003
* $ 8,148,155,000 6 $ 80,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 6 $ 1,363,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 583,350,000 5 $ 253,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 952,077,000 5 $ 508,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 711,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 32,316,917,000 5 $ 266,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 4 $ 628,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 4 $ 922,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 525,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 4 $ 708,000
Altoona First Savings Bank
203 N. LOGAN BOULEVARD
ALTOONA, PA 16602
* $ 210,480,000 4 $ 986,000
Investment Savings Bank
1201 8TH AVE.
ALTOONA, PA 16602
* $ 120,477,000 4 $ 1,115,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 4 $ 662,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 9,041,660,000 4 $ 648,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 4 $ 497,000
Peoplesbank, A Codorus Valley
105 LEADER HEIGHTS RD
YORK, PA 17403
* $ 1,009,073,000 4 $ 504,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 4,099,939,000 3 $ 337,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 234,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 3 $ 539,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 1,440,782,000 3 $ 346,000
Blair County Federal Credit Union
3001 SIXTH AVENUE
ALTOONA, PA 16602
* $ 44,998,000 3 $ 114,000
Penn State
1937 N. ATHERTON STREET
STATE COLLEGE, PA 16803
* $ 144,221,000 3 $ 85,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 559,000
Integrated Financial Group Inc
121 FRIENDS LANE, SUITE 301
NEWTOWN, PA 18940
* $ 98,000,000 3 $ 514,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 3 $ 414,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 3 $ 725,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 3 $ 383,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 389,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 3 $ 672,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 3 $ 427,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 3 $ 344,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 3 $ 636,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 2 $ 135,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 272,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 2 $ 512,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 2 $ 967,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 197,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ 10,000,000 2 $ 213,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 178,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 288,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 377,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 374,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 240,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 2 $ 118,000
Philadelphia Federal Credit Un
12800 TOWNSEND RD
PHILADELPHIA, PA 19154
* $ 812,242,000 2 $ 95,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 2 $ 265,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 89,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 512,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 2 $ 157,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 172,000
Pa Central FCU
959 EAST PARK DRIVE
HARRISBURG, PA 17111
* $ 72,677,000 2 $ 20,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ 3,700,000 2 $ 320,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 2 $ 314,000
Metro Bank
3801 PAXTON STREET
HARRISBURG, PA 17111
* $ 2,417,820,000 2 $ 243,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DRIVE
TREVOSE, PA 19053
* $ 115,400,000 1 $ 152,000
1st Summit Bank
125 DONALD LANE
JOHNSTOWN, PA 15904
* $ 730,461,000 1 $ 10,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ 715,355,000 1 $ 61,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 83,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ 988,859,000 1 $ 78,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 1 $ 44,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 86,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 1,579,541,000 1 $ 76,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 212,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 178,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 212,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 897,588,000 1 $ 10,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 374,787,000 1 $ 278,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,350,770,000 1 $ 5,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 1,547,178,000 1 $ 50,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 5,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 20,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 401,738,000 1 $ 156,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 227,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 305,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,163,507,000 1 $ 181,000
Continental Bank
620 W. GERMANTOWN PIKE SUITE 350
PLYMOUTH MEETING, PA 19462
* $ 531,807,000 1 $ 207,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 162,000
New Cumberland Office (Main)
345 LEWISBERRY RD
NEW CUMBERLAND, PA 17070
* $ 126,814,000 1 $ 155,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ 128,831,000 1 $ 21,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ 432,285,000 1 $ 124,000
Franklin Mint Federal Credit Union
5 HILLMAN DRIVE
CHADDS FORD, PA 19317
* $ 745,708,000 1 $ 58,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 128,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 285,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 60,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 148,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 177,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 73,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 162,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 250,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 91,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 130,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 155,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 177,000
First Niagara Bank
726 EXCHANGE STREET SUITE 618
BUFFALO, NY 14210
* $ 32,750,610,000 1 $ 257,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 78,146,882,000 1 $ 120,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 130,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 165,000
M&T Realty Capital Corporation

BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 8,550,000
The First National Bank of Mif
2 NORTH MAIN STREET, PO BOX 96
MIFFLINTOWN, PA 17059
* $ 386,809,000 1 $ 65,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 6,460,589,000 1 $ 36,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 72,000
Fulton Bank of New Jersey
533 FELLOWSHIP ROAD
MOUNT LAUREL, NJ 08054
* $ 3,408,927,000 1 $ 63,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 1 $ 500,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 131,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 114,000

The tables below break down 2012 mortgage applications in Huntingdon 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 Huntingdon County, PA in 2012

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 1,057 $128,911,000 $121,000 $780,000 $67,000 $987,000
Home Purchase 369 $47,309,000 $128,000 $555,000 $82,000 $1,306,000
Home Improvement 247 $19,134,000 $77,000 $8,550,000 $66,000 $779,000

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 1,470 $161,303,000 $109,000 $780,000 $72,000 $987,000
Not Provided 97 $11,925,000 $122,000 $500,000 $74,000 $1,306,000
Not applicable 82 $19,716,000 $240,000 $8,550,000 $23,000 $763,000
Black or African American 8 $907,000 $113,000 $294,000 $107,000 $186,000
Hispanic 8 $787,000 $98,000 $262,000 $77,000 $126,000
American Indian or Alaskan Native 3 $164,000 $54,000 $100,000 $46,000 $63,000
Asian 3 $242,000 $80,000 $157,000 $60,000 $69,000
Native Hawaiian or Other Pacific Islander 2 $310,000 $155,000 $218,000 $98,000 $196,000

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) 1,403 $157,417,000 $112,000 $8,550,000 $75,000 $1,306,000
FHA-insured (Federal Housing Administration) 129 $17,262,000 $133,000 $268,000 $43,000 $140,000
VA-guaranteed (Veterans Administration) 84 $14,450,000 $172,000 $385,000 $43,000 $196,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $6,225,000 $109,000 $255,000 $43,000 $78,000

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 1,022 $117,887,000 $115,000 $8,550,000 $79,000 $1,306,000
Application Denied By Financial Institution 299 $31,269,000 $104,000 $780,000 $62,000 $605,000
Loan Purchased By The Institution 136 $19,386,000 $142,000 $310,000 $33,000 $280,000
Application Withdrawn By Applicant 128 $15,656,000 $122,000 $390,000 $59,000 $487,000
Application Approved But Not Accepted 58 $7,845,000 $135,000 $380,000 $76,000 $331,000
File Closed For Incompleteness 30 $3,311,000 $110,000 $285,000 $64,000 $300,000
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 73 $5,394,000 $73,000 $480,000 $44,000 $166,000
Collateral 57 $8,282,000 $145,000 $780,000 $97,000 $605,000
Debt-To-Income Ratio 30 $2,759,000 $91,000 $274,000 $47,000 $163,000
Credit Application Incomplete 19 $2,644,000 $139,000 $492,000 $70,000 $205,000
Other 12 $1,750,000 $145,000 $349,000 $98,000 $422,000
Unverifiable Information 7 $744,000 $106,000 $180,000 $67,000 $176,000
Insufficient Cash (Downpayment, Closing Cost) 2 $203,000 $101,000 $130,000 $77,000 $107,000
Employment History 1 $65,000 $65,000 $65,000 $29,000 $29,000
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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