Jefferson County, PA Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,300 mortgage applications in Jefferson County, PA totaling $113.8 million, down 15% from 2012. The average application was for $87,000, and applicants reported an average income of $63,000. 56% of applications resulted in an originated loan and 24% were denied. The most active lender was S&T Bank, with 323 applications, followed by First Commonwealth Bank and The Farmers National Bank of Emlenton.

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Total Number of Mortgage Applications 1,300
Total Mortgage Loan Application Amount $113,828,000
Average Mortgage Loan Application Amount $87,000
Highest Mortgage Loan Application Amount $10,636,000
Average Applicant Income $63,000
Highest Applicant Income $3,383,000

Mortgage Company List for Lending in Jefferson County, PA for 2013

* 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
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 4,381,109,000 323 $ 23,914,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 5,944,882,000 214 $ 11,883,000
The Farmers National Bank of Emlenton
612 MAIN STREET, PO DRAWER D
EMLENTON, PA 16373
* $ 507,595,000 89 $ 8,042,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 63 $ 5,419,000
Marion Center Bank
1271 INDIAN SPRINGS RD
INDIANA, PA 15701
* $ 282,939,000 54 $ 5,108,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 1,748,928,000 51 $ 3,828,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 44 $ 2,973,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 24 $ 2,278,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 23 $ 2,517,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 4,004,852,000 21 $ 1,560,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 7,965,348,000 20 $ 1,916,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 848,446,000 16 $ 1,385,000
Riverview Bk
11 NORTH SECOND STREET
CLEARFIELD, PA 16830
* $ 417,568,000 14 $ 886,000
Elderton State Bank
143 NORTH MAIN STREET, P.O. BOX 427
ELDERTON, PA 15736
* $ 198,585,000 13 $ 1,531,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 13 $ 1,018,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 13 $ 1,129,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 12 $ 969,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 10 $ 796,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 10 $ 1,145,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 10 $ 769,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 9 $ 985,000
Northwest Consumer Discount Co., Inc.
151B PITTSBURGH ROAD
BUTLER, PA 16003
* $ 8,148,155,000 9 $ 122,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 11,842,395,000 9 $ 692,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 8 $ 665,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 8 $ 806,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,612,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 8 $ 702,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 7 $ 756,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 7 $ 618,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 575,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 6 $ 429,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 4,932,825,000 5 $ 40,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 451,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 379,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 4 $ 494,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 470,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 258,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 469,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 295,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 3 $ 138,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 55,954,625,000 3 $ 246,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 3 $ 323,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 3 $ 462,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 3 $ 309,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 7,470,683,000 3 $ 237,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 3 $ 413,000
Nextier Bank, National Association
245 PITTSBURGH RD
KITTANNING, PA 16201
* $ 395,520,000 3 $ 239,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 2 $ 201,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 256,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 2 $ 152,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 2 $ 229,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 104,823,994,000 2 $ 167,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 2 $ 147,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 239,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 193,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 2 $ 154,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 195,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ 100,000,000 2 $ 359,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,674,748,000 2 $ 229,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 1,369,414,000 2 $ 207,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 112,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 103,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 213,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 130,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 156,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 134,000
SSB Bank
8700 PERRY HIGHWAY
PITTSBURGH, PA 15237
* $ 90,663,000 1 $ 82,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ 11,000,000 1 $ 170,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 250,414,000 1 $ 11,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 1 $ 141,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ 555,682,000 1 $ 260,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 106,000
Aurora Financial Group Inc
301 HARPER DRIVE SUITE 110
MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 117,000
Residential Home Mortgage Corporation
53 FRONTAGE ROAD, SUITE 200
HAMPTON, NJ 08827
* $ 1,119,000 1 $ 80,000
Agchoice Farm Credit Aca
300 WINDING CREEK BLVD
MECHANICSBURG, PA 17050
* $ 12,000,000 1 $ 100,000
Omega Financial Services, Inc.
900 WASHINGTON AVENUE
CARNEGIE, PA 15106
* $ 10,000,000 1 $ 147,000
Sail Mortgage Corp

SEVEN FIELDS, PA 16046
* $ 12,309,000 1 $ 356,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 96,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 85,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 1 $ 79,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 669,944,000 1 $ 20,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 161,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 55,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 153,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 90,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 791,697,000 1 $ 40,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 1 $ 45,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 112,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 1 $ 137,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 96,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 109,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ 10,000,000 1 $ 96,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 103,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 10,636,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 128,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 109,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 1 $ 47,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 20,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 121,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ 1,128,358,000 1 $ 50,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 1 $ 125,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 121,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 25,893,829,000 1 $ 131,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 1 $ 128,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 1 $ 41,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 1,808,305,000 1 $ 92,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 1 $ 100,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 1 $ 43,000
Merchants National Bank
100 NORTH HIGH STREET
HILLSBORO, OH 45133
* $ 561,763,000 1 $ 45,000

The tables below break down 2013 mortgage applications in Jefferson 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 Jefferson County, PA in 2013

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 615 $68,297,000 $111,000 $10,636,000 $71,000 $3,383,000
Home Purchase 395 $34,752,000 $87,000 $412,000 $55,000 $552,000
Home Improvement 290 $10,779,000 $37,000 $275,000 $57,000 $310,000

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 1,143 $91,919,000 $80,000 $733,000 $65,000 $3,383,000
Not Provided 96 $6,541,000 $68,000 $258,000 $63,000 $169,000
Not applicable 41 $14,053,000 $342,000 $10,636,000 $17,000 $240,000
Hispanic 11 $739,000 $67,000 $117,000 $64,000 $113,000
American Indian or Alaskan Native 3 $163,000 $54,000 $92,000 $76,000 $93,000
Black or African American 3 $167,000 $55,000 $77,000 $49,000 $52,000
Asian 2 $145,000 $72,000 $93,000 $47,000 $50,000
Native Hawaiian or Other Pacific Islander 1 $101,000 $101,000 $101,000 $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) 1,056 $81,253,000 $76,000 $733,000 $68,000 $3,383,000
FHA-insured (Federal Housing Administration) 126 $21,504,000 $170,000 $10,636,000 $45,000 $166,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 69 $5,847,000 $84,000 $196,000 $38,000 $75,000
VA-guaranteed (Veterans Administration) 49 $5,224,000 $106,000 $238,000 $48,000 $192,000

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 731 $57,493,000 $78,000 $417,000 $69,000 $3,383,000
Application Denied By Financial Institution 306 $21,131,000 $69,000 $356,000 $55,000 $756,000
Application Withdrawn By Applicant 94 $9,254,000 $98,000 $733,000 $63,000 $682,000
Loan Purchased By The Institution 75 $17,048,000 $227,000 $10,636,000 $42,000 $240,000
Application Approved But Not Accepted 61 $6,167,000 $101,000 $680,000 $65,000 $310,000
File Closed For Incompleteness 33 $2,735,000 $82,000 $200,000 $57,000 $150,000
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 76 $3,661,000 $48,000 $200,000 $43,000 $130,000
Debt-To-Income Ratio 36 $2,525,000 $70,000 $194,000 $44,000 $104,000
Collateral 33 $3,646,000 $110,000 $356,000 $85,000 $419,000
Other 28 $1,936,000 $69,000 $180,000 $62,000 $160,000
Credit Application Incomplete 6 $961,000 $160,000 $290,000 $111,000 $315,000
Employment History 6 $485,000 $80,000 $120,000 $29,000 $53,000
Insufficient Cash (Downpayment, Closing Cost) 3 $241,000 $80,000 $89,000 $53,000 $92,000
Unverifiable Information 3 $148,000 $49,000 $63,000 $32,000 $52,000
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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