Huntingdon County, PA Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,258 mortgage applications in Huntingdon County, PA totaling $155.2 million, up 10% from 2015. The average application was for $123,000, and applicants reported an average income of $66,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was First National Bank of Pa, with 162 applications, followed by Kish Bank and Riverview Bk.

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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 1,258
Total Mortgage Loan Application Amount $155,232,000
Average Mortgage Loan Application Amount $123,000
Highest Mortgage Loan Application Amount $2,663,000
Average Applicant Income $66,000
Highest Applicant Income $889,000

Mortgage Company List for Lending in Huntingdon County, PA for 2016

* 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
* $ 17,379,124,000 162 $ 12,756,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ 694,928,000 109 $ 13,953,000
Riverview Bk
11 NORTH SECOND STREET
CLEARFIELD, PA 16830
* $ 455,407,000 84 $ 8,788,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 74 $ 11,492,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 69 $ 10,387,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 4,487,443,000 51 $ 5,082,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 8,993,107,000 36 $ 3,509,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 34 $ 5,148,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 1,036,465,000 33 $ 2,247,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 26 $ 4,172,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 20 $ 2,911,000
Reliance Savings Bank
1119 12TH ST
ALTOONA, PA 16602
* $ 423,573,000 18 $ 2,685,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 16 $ 2,470,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 16 $ 2,060,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 15 $ 2,404,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 14 $ 1,488,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 14 $ 1,571,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 14 $ 1,638,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 13 $ 2,505,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 12 $ 1,695,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 12 $ 1,962,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 11 $ 1,215,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 11 $ 1,599,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 11 $ 2,193,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 10 $ 1,657,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,412,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 9 $ 530,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 9 $ 1,149,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 6,545,817,000 9 $ 418,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 8 $ 1,257,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 7 $ 775,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 7 $ 326,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 7 $ 1,040,000
Northwest Consumer Discount Co., Inc.
151B PITTSBURGH ROAD
BUTLER, PA 16003
* $ 8,148,155,000 7 $ 32,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 6 $ 974,000
The Juniata Valley Bank
1 S MAIN ST
MIFFLINTOWN, PA 17059
* $ 578,319,000 6 $ 754,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 1,292,178,000 6 $ 835,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 663,343,000 6 $ 711,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 6 $ 798,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 6 $ 681,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 464,368,000 5 $ 1,139,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 5 $ 727,000
First Community Bank of Mercersburg
12 SOUTH MAIN STREET
MERCERSBURG, PA 17236
* $ 169,014,000 5 $ 269,000
Penncrest Bank
1201 12TH STREET
ALTOONA, PA 16601
* $ 123,432,000 5 $ 754,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 4 $ 509,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DRIVE
TREVOSE, PA 19053
* $ 115,400,000 4 $ 458,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 965,803,000 4 $ 824,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 4 $ 468,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 4 $ 448,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 3,013,783,000 4 $ 270,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 4 $ 294,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 150,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 4 $ 372,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 3 $ 711,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 3 $ 598,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 3 $ 390,000
Altoona First Savings Bank
203 N. LOGAN BOULEVARD
ALTOONA, PA 16602
* $ 203,932,000 3 $ 173,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 3 $ 187,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 3 $ 109,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 535,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 536,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 376,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 438,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 600,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 502,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 645,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 720,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 2 $ 194,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 550,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 2 $ 387,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 1,108,994,000 2 $ 502,000
Gmh Mortgage Services LLC
625 W RIDGE PIKE STE 100; BUILDING C
CONSHOHOCKEN, PA 19428
* $ 14,678,000 2 $ 263,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 196,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 310,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 165,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 378,000
Lebanon FCU
120 SOUTH 16TH STREET
LEBANON, PA 17042
* $ 195,844,000 2 $ 258,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 223,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ 17,789,000 2 $ 152,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 986,247,000 2 $ 214,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 2 $ 175,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 6,297,728,000 2 $ 168,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 9,847,293,000 2 $ 340,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 2 $ 45,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 46,472,436,000 2 $ 160,000
Citadel Federal Credit Union
520 EAGLEVIEW BLVD
EXTON, PA 19341
* $ 2,433,630,000 2 $ 235,000
Spe
650 SCIENCE PARK ROAD
STATE COLLEGE, PA 16803
* $ 82,883,000 2 $ 211,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 2 $ 312,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 364,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ 1,400,000,000 2 $ 285,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 113,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 2 $ 299,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 2 $ 153,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 905,051,000 2 $ 265,000
The First National Bank of Mif
2 NORTH MAIN STREET, PO BOX 96
MIFFLINTOWN, PA 17059
* $ 466,793,000 2 $ 752,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 198,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 2 $ 219,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 1 $ 60,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 66,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 1 $ 87,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,236,717,000 1 $ 132,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ 63,320,000 1 $ 240,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ 10,000,000 1 $ 89,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,654,173,000 1 $ 5,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ 336,786,000 1 $ 320,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 359,642,000 1 $ 75,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 156,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 171,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 108,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 1 $ 192,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 134,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 218,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 137,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 151,000
Landmark Community Bank
2 S MAIN STREET
PITTSTON, PA 18640
* $ 284,072,000 1 $ 93,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 1 $ 105,000
Severn Savings Bank, FSB dba Severn Bank
200 WESTGATE CIRCLE SUITE 200
ANNAPOLIS, MD 21401
* $ 758,758,000 1 $ 232,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 8,376,526,000 1 $ 469,000
Blair County Federal Credit Union
3001 SIXTH AVENUE
ALTOONA, PA 16602
* $ 51,058,000 1 $ 26,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 2,264,480,000 1 $ 311,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 1 $ 356,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 122,000
Hamilton National Mortgage Company
1275 DRUMMERS LANE
WAYNE, PA 19087
* $ 10,000,000 1 $ 193,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 112,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 105,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ 10,016,511,000 1 $ 212,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 120,000
Integrity First Financial Group, Inc.
6333 GREENWICH DRIVE SUITE 280
SAN DIEGO, CA 92122
* $ 26,494,000 1 $ 282,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ 21,557,000 1 $ 83,000
Service 1st Federal Credit Uni
1985 MONTOUR BLVD PO BOX 159
DANVILLE, PA 17821
* $ 281,198,000 1 $ 70,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 1 $ 6,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 1 $ 171,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 1,086,068,000 1 $ 61,000
Linkbank
32 W MARKET STREET
CAMP HILL, PA 17011
* $ 285,247,000 1 $ 56,000
1st Ed Credit Union
1156 KENNEBEC DRIVE
CHAMBERSBURG, PA 17201
* $ 125,344,000 1 $ 160,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 1,319,357,000 1 $ 20,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ 10,000,000 1 $ 64,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ 604,484,000 1 $ 68,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 216,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ 10,000,000 1 $ 184,000
Investment Savings Bank
1201 8TH AVE.
ALTOONA, PA 16602
* $ 110,178,000 1 $ 128,000
1st Summit Bank
125 DONALD LANE
JOHNSTOWN, PA 15904
* $ 933,731,000 1 $ 103,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 56,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ 1,135,429,000 1 $ 260,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 140,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 145,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 156,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ 10,000,000 1 $ 193,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 89,000

The tables below break down 2016 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 2016

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 576 $83,308,000 $144,000 $2,663,000 $67,000 $889,000
Home Purchase 470 $63,213,000 $134,000 $480,000 $68,000 $392,000
Home Improvement 212 $8,711,000 $41,000 $340,000 $60,000 $300,000

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 1,103 $131,062,000 $118,000 $840,000 $67,000 $606,000
Not Provided 68 $10,372,000 $152,000 $469,000 $99,000 $889,000
Not applicable 64 $10,730,000 $167,000 $2,663,000 $17,000 $308,000
Black or African American 8 $723,000 $90,000 $320,000 $27,000 $76,000
Hispanic 8 $1,196,000 $149,000 $260,000 $85,000 $332,000
American Indian or Alaskan Native 3 $782,000 $260,000 $480,000 $62,000 $102,000
Asian 3 $364,000 $121,000 $146,000 $44,000 $47,000
Native Hawaiin or Other Pacific Islander 1 $3,000 $3,000 $3,000 $19,000 $19,000

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) 900 $103,813,000 $115,000 $2,663,000 $75,000 $889,000
VA-guaranteed (Veterans Administration) 153 $26,671,000 $174,000 $766,000 $49,000 $163,000
FHA-insured (Federal Housing Administration) 152 $18,948,000 $124,000 $272,000 $42,000 $156,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 53 $5,800,000 $109,000 $182,000 $38,000 $72,000

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 655 $81,088,000 $123,000 $2,663,000 $75,000 $889,000
Application Denied By Financial Institution 298 $33,912,000 $113,000 $766,000 $56,000 $329,000
Application Withdrawn By Applicant 114 $14,279,000 $125,000 $393,000 $64,000 $215,000
Loan Purchased By The Institution 97 $12,704,000 $130,000 $413,000 $41,000 $308,000
File Closed For Incompleteness 53 $7,297,000 $137,000 $477,000 $62,000 $182,000
Application Approved But Not Accepted 41 $5,952,000 $145,000 $384,000 $65,000 $169,000
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
Collateral 38 $4,813,000 $126,000 $370,000 $73,000 $329,000
Credit History 38 $2,355,000 $61,000 $350,000 $45,000 $151,000
Debt-To-Income Ratio 38 $3,623,000 $95,000 $400,000 $49,000 $143,000
Credit Application Incomplete 17 $2,380,000 $140,000 $315,000 $63,000 $130,000
Other 6 $523,000 $87,000 $115,000 $44,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 4 $420,000 $105,000 $190,000 $53,000 $86,000
Employment History 3 $199,000 $66,000 $87,000 $29,000 $34,000
Mortgage Insurance Denied 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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