Jefferson County, PA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,058 mortgage applications in Jefferson County, PA totaling $114.1 million, down 30% from 2022. The average application was for $107,000, and applicants reported an average income of $80,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was S&T Bank, with 243 applications, followed by First Commonwealth Bank and Cornerstone Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,058
Total Mortgage Loan Application Amount $114,130,000
Average Mortgage Loan Application Amount $107,000
Highest Mortgage Loan Application Amount $1,475,000
Average Applicant Income $80,000
Highest Applicant Income $699,000

Mortgage Company List for Lending in Jefferson County, PA for 2023

* 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
* $ 9,106,184,000 243 $ 22,565,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 9,776,999,000 137 $ 8,255,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ 398,740,000 87 $ 10,345,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ 506,725,000 87 $ 10,345,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 5,453,779,000 42 $ 4,160,000
Marion Center Bank
1271 INDIAN SPRINGS RD
INDIANA, PA 15701
* $ 384,898,000 42 $ 4,980,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ 4,065,303,000 27 $ 2,285,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 3,060,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 8,070,968,000 26 $ 2,130,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 24 $ 3,510,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,451,067,000 20 $ 2,260,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 17 $ 1,495,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 16 $ 1,660,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 15 $ 2,065,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 15 $ 865,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 14 $ 1,370,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 13 $ 1,545,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,125,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,050,000
Timberland Federal Credit Union
821 BEAVER DR
DUBOIS, PA 15801
* $ 86,086,000 10 $ 360,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 10 $ 1,660,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,480,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 9 $ 935,000
Elderton State Bank
143 NORTH MAIN STREET, P.O. BOX 427
ELDERTON, PA 15736
* $ 345,804,000 8 $ 1,560,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 8 $ 1,430,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ 4,481,008,000 8 $ 970,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 570,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 950,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 760,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 870,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 405,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 5 $ 85,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 5 $ 955,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 5 $ 775,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ -1,000 4 $ 440,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 11,417,843,000 4 $ 270,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 460,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 4 $ 530,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 890,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 3 $ 475,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 3 $ 155,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 3 $ 645,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 3 $ 75,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 3 $ 325,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 315,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 1,715,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ -1,000 3 $ 315,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 1,350,198,000 3 $ 185,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 3 $ 345,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 3 $ 795,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 295,000
Nextier Bank, National Association
245 PITTSBURGH RD
KITTANNING, PA 16201
* $ 1,991,078,000 3 $ 215,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 335,000
Sun East Federal Credit Union
4500 PENNELL ROAD
ASTON, PA 19014
* $ 877,340,000 2 $ 2,600,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ -1,000 2 $ 940,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 2 $ 240,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 2 $ 250,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 160,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 170,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 210,000
Mars Bank
PO BOX 927
MARS, PA 16046
* $ 514,573,000 2 $ 220,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 140,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 180,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 450,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 290,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 2 $ 80,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 95,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 125,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 1 $ 185,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 185,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 1 $ 75,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 175,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 125,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 65,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 105,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 195,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 1 $ 115,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 45,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 45,000
Greenville Savings Bank
233 MAIN STREET
GREENVILLE, PA 16125
* $ 317,862,000 1 $ 105,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 85,000
Belco Community Credit Union
449 EISENHOWER BLVD
HARRISBURG, PA 17111
* $ 935,545,000 1 $ 45,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 115,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 505,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 1 $ 325,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 155,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 95,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 1 $ 115,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 855,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 1,699,086,000 1 $ 165,000
Interest Mortgage, L.L.C.
9726 OLD BAILES ROAD, SUITE 301
FORT MILL, SC 29707
* $ -1,000 1 $ 195,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 125,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 85,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,817,155,000 1 $ 125,000
West Penn Financial Service Center, Inc.
2250 BABCOCK BLVD
PITTSBURGH, PA 15237
* $ -1,000 1 $ 215,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 25,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,099,887,000 1 $ 45,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ -1,000 1 $ 95,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 185,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 6,987,615,000 1 $ 105,000

The tables below break down 2023 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 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 455 $64,095,000 $140,000 $855,000 $83,000 $560,000
Home Improvement 217 $12,635,000 $58,000 $375,000 $85,000 $699,000
Refinancing 148 $13,300,000 $89,000 $555,000 $77,000 $300,000
Other Purpose 147 $9,855,000 $67,000 $335,000 $70,000 $214,000
Cash-out Refinancing 87 $14,055,000 $161,000 $1,475,000 $71,000 $215,000
Not Applicable 4 $190,000 $47,000 $65,000 $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 886 $92,930,000 $104,000 $855,000 $80,000 $699,000
Not Provided 95 $9,505,000 $100,000 $725,000 $83,000 $462,000
Not applicable 64 $10,520,000 $164,000 $1,475,000 $0 $0
American Indian or Alaskan Native 7 $295,000 $42,000 $105,000 $43,000 $110,000
Black or African American 3 $565,000 $188,000 $245,000 $108,000 $157,000
Hispanic 2 $180,000 $90,000 $115,000 $133,000 $147,000
Asian 1 $135,000 $135,000 $135,000 $108,000 $108,000
Native Hawaiian or Other Pacific Islander 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) 842 $85,120,000 $101,000 $1,475,000 $83,000 $699,000
FHA-insured (Federal Housing Administration) 121 $13,885,000 $114,000 $325,000 $61,000 $183,000
VA-guaranteed (Veterans Administration) 66 $11,570,000 $175,000 $725,000 $79,000 $259,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,555,000 $122,000 $195,000 $57,000 $104,000

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 595 $66,795,000 $112,000 $1,475,000 $87,000 $699,000
Application Denied By Financial Institution 231 $20,565,000 $89,000 $835,000 $63,000 $369,000
Application Withdrawn By Applicant 95 $11,515,000 $121,000 $505,000 $75,000 $303,000
Loan Purchased By The Institution 55 $7,115,000 $129,000 $855,000 $83,000 $101,000
Application Approved But Not Accepted 52 $4,840,000 $93,000 $375,000 $87,000 $368,000
File Closed For Incompleteness 27 $3,015,000 $111,000 $335,000 $72,000 $150,000
Preapproval Approved but not Accepted 3 $285,000 $95,000 $175,000 $73,000 $79,000
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 776 $88,360,000 $113,000 $1,475,000 $84,000 $699,000
Debt-To-Income Ratio 109 $12,185,000 $111,000 $835,000 $71,000 $369,000
Credit History 92 $5,550,000 $60,000 $265,000 $67,000 $167,000
Collateral 47 $4,075,000 $86,000 $505,000 $69,000 $215,000
Other 14 $1,750,000 $125,000 $325,000 $89,000 $183,000
Unverifiable Information 6 $870,000 $145,000 $205,000 $76,000 $180,000
Credit Application Incomplete 6 $470,000 $78,000 $125,000 $74,000 $115,000
Employment History 4 $410,000 $102,000 $115,000 $17,000 $37,000
Insufficient Cash (Downpayment, Closing Cost) 4 $460,000 $115,000 $235,000 $48,000 $81,000
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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