Clearview Federal Credit Union Mortgage Lending & HMDA Data, 2023

In 2023, Clearview Federal Credit Union of Moon Township, PA reported 2,567 mortgage applications totaling $256.9 million, up 7% from 2022. The average application was for $100,064, and applicants reported an average income of $127,490. 69% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Pittsburgh, PA (2,223), Washington-Arlington-Alexandria, DC-VA-MD-WV (15) and Youngstown-Warren-Boardman, OH-PA (13) (applications in parentheses).

Mortgage Company & Address Clearview Federal Credit Union
8805 University Blvd
Moon Township, PA 15108
Tel #: available with data download
Federal Regulator * available with data download
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 2,567
Total Mortgage Loan Application Amount $256,865,000
Average Mortgage Loan Application Amount $100,064
Highest Mortgage Loan Application Amount $985,000
Average Applicant Income $127,490
Highest Applicant Income $1,800,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clearview Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Clearview Federal Credit Union by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 1,156 $ 120,100,000 $ 103,892 $ 128,000
Beaver, Pennsylvania 366 $ 27,240,000 $ 74,426 $ 100,000
Washington, Pennsylvania 242 $ 26,590,000 $ 109,876 $ 133,000
Westmoreland, Pennsylvania 235 $ 18,945,000 $ 80,617 $ 106,000
Butler, Pennsylvania 177 $ 18,935,000 $ 106,977 $ 140,000
Columbiana, Ohio 37 $ 2,415,000 $ 65,270 $ 93,000
Armstrong, Pennsylvania 33 $ 2,215,000 $ 67,121 $ 99,000
Lawrence, Pennsylvania 26 $ 1,610,000 $ 61,923 $ 87,000
Fayette, Pennsylvania 14 $ 1,070,000 $ 76,428 $ 115,000
Mercer, Pennsylvania 10 $ 990,000 $ 99,000 $ 102,000
Maricopa, Arizona 6 $ 1,240,000 $ 206,666 $ 202,000
Miami-Dade, Florida 6 $ 1,780,000 $ 296,666 $ 503,000
Anne Arundel, Maryland 6 $ 480,000 $ 80,000 $ 112,000
Delaware, Pennsylvania 6 $ 460,000 $ 76,666 $ 88,000
Greene, Pennsylvania 5 $ 415,000 $ 83,000 $ 108,000
Hancock, West Virginia 5 $ 205,000 $ 41,000 $ 48,000
New Castle, Delaware 4 $ 680,000 $ 170,000 $ 95,000
Broward, Florida 4 $ 650,000 $ 162,500 $ 204,000
Hillsborough, Florida 4 $ 570,000 $ 142,500 $ 300,000
Lee, Florida 4 $ 810,000 $ 202,500 $ 120,000
Pinellas, Florida 4 $ 580,000 $ 145,000 $ 156,000
Hendricks, Indiana 4 $ 350,000 $ 87,500 $ 122,000
Wake, North Carolina 4 $ 760,000 $ 190,000 $ 185,000
Chester, Pennsylvania 4 $ 1,110,000 $ 277,500 $ 192,000
Indiana, Pennsylvania 4 $ 450,000 $ 112,500 $ 70,000
Clay, Florida 3 $ 135,000 $ 45,000 $ 72,000
Orange, Florida 3 $ 195,000 $ 65,000 $ 105,000
Sarasota, Florida 3 $ 105,000 $ 35,000 $ 519,000
Charles, Maryland 3 $ 615,000 $ 205,000 $ 113,000
Garrett, Maryland 3 $ 655,000 $ 218,333 $ 688,000
Moore, North Carolina 3 $ 745,000 $ 248,333 $ 252,000
Franklin, Ohio 3 $ 795,000 $ 265,000 $ 106,000
Mahoning, Ohio 3 $ 135,000 $ 45,000 $ 119,000
Blair, Pennsylvania 3 $ 215,000 $ 71,666 $ 113,000
Erie, Pennsylvania 3 $ 465,000 $ 155,000 $ 162,000
Luzerne, Pennsylvania 3 $ 235,000 $ 78,333 $ 164,000
Somerset, Pennsylvania 3 $ 495,000 $ 165,000 $ 197,000
York, Pennsylvania 3 $ 925,000 $ 308,333 $ 155,000
Charleston, South Carolina 3 $ 455,000 $ 151,666 $ 423,000
Fairfax, Virginia 3 $ 355,000 $ 118,333 $ 172,000
Monongalia, West Virginia 3 $ 555,000 $ 185,000 $ 81,000
Riverside, California 2 $ 100,000 $ 50,000 $ 72,000
Arapahoe, Colorado 2 $ 400,000 $ 200,000 $ 223,000
District of Columbia, District Of Columbia 2 $ 750,000 $ 375,000 $ 131,000
Collier, Florida 2 $ 800,000 $ 400,000 $ 244,000
Lake, Florida 2 $ 710,000 $ 355,000 $ 225,000
Manatee, Florida 2 $ 420,000 $ 210,000 $ 523,000
Volusia, Florida 2 $ 390,000 $ 195,000 $ 349,000
Prince George's, Maryland 2 $ 80,000 $ 40,000 $ 242,000
Essex, Massachusetts 2 $ 270,000 $ 135,000 $ 153,000
Rockingham, New Hampshire 2 $ 440,000 $ 220,000 $ 213,000
Burlington, New Jersey 2 $ 450,000 $ 225,000 $ 212,000
Camden, New Jersey 2 $ 190,000 $ 95,000 $ 68,000
Saratoga, New York 2 $ 110,000 $ 55,000 $ 138,000
Gaston, North Carolina 2 $ 70,000 $ 35,000 $ 148,000
Iredell, North Carolina 2 $ 130,000 $ 65,000 $ 117,000
Mecklenburg, North Carolina 2 $ 160,000 $ 80,000 $ 131,000
Hamilton, Ohio 2 $ 70,000 $ 35,000 $ 28,000
Bucks, Pennsylvania 2 $ 230,000 $ 115,000 $ 203,000
Philadelphia, Pennsylvania 2 $ 330,000 $ 165,000 $ 85,000
Horry, South Carolina 2 $ 480,000 $ 240,000 $ 222,000
Salt Lake, Utah 2 $ 260,000 $ 130,000 $ 84,000
King, Washington 2 $ 60,000 $ 30,000 $ 84,000
Berkeley, West Virginia 2 $ 170,000 $ 85,000 $ 203,000
Shelby, Alabama 1 $ 75,000 $ 75,000 $ 244,000
Cochise, Arizona 1 $ 55,000 $ 55,000 $ 125,000
Los Angeles, California 1 $ 35,000 $ 35,000 $ 115,000
San Diego, California 1 $ 205,000 $ 205,000 $ 124,000
San Francisco, California 1 $ 155,000 $ 155,000 $ 229,000
Sonoma, California 1 $ 105,000 $ 105,000 $ 76,000
Denver, Colorado 1 $ 55,000 $ 55,000 $ 118,000
Alachua, Florida 1 $ 205,000 $ 205,000 $ 68,000
Bay, Florida 1 $ 645,000 $ 645,000 $ 116,000
Brevard, Florida 1 $ 35,000 $ 35,000 $ 155,000
Charlotte, Florida 1 $ 55,000 $ 55,000 $ 135,000
Hernando, Florida 1 $ 25,000 $ 25,000 $ 108,000
Highlands, Florida 1 $ 55,000 $ 55,000 $ 103,000
Leon, Florida 1 $ 285,000 $ 285,000 $ 72,000
Nassau, Florida 1 $ 105,000 $ 105,000 $ 200,000
Osceola, Florida 1 $ 405,000 $ 405,000 $ 284,000
Polk, Florida 1 $ 25,000 $ 25,000 $ 74,000
St. Lucie, Florida 1 $ 105,000 $ 105,000 $ 211,000
Sumter, Florida 1 $ 15,000 $ 15,000 $ 55,000
Chatham, Georgia 1 $ 15,000 $ 15,000 $ 39,000
Cherokee, Georgia 1 $ 35,000 $ 35,000 $ 187,000
Coweta, Georgia 1 $ 155,000 $ 155,000 $ 244,000
Effingham, Georgia 1 $ 65,000 $ 65,000 $ 106,000
Gwinnett, Georgia 1 $ 105,000 $ 105,000 $ 156,000
Hart, Georgia 1 $ 305,000 $ 305,000 $ 300,000
Henry, Georgia 1 $ 65,000 $ 65,000 $ 125,000
Newton, Georgia 1 $ 35,000 $ 35,000 $ 50,000
Hamilton, Indiana 1 $ 65,000 $ 65,000 $ 73,000
Marion, Indiana 1 $ 325,000 $ 325,000 $ 193,000
Henderson, Kentucky 1 $ 65,000 $ 65,000 $ 58,000
Montgomery, Kentucky 1 $ 195,000 $ 195,000 $ 1,800,000
Scott, Kentucky 1 $ 115,000 $ 115,000 $ 0
Calcasieu, Louisiana 1 $ 15,000 $ 15,000 $ 139,000
Orleans, Louisiana 1 $ 85,000 $ 85,000 $ 113,000
Cumberland, Maine 1 $ 205,000 $ 205,000 $ 47,000
Baltimore City, Maryland 1 $ 15,000 $ 15,000 $ 100,000
Calvert, Maryland 1 $ 55,000 $ 55,000 $ 221,000
Frederick, Maryland 1 $ 105,000 $ 105,000 $ 108,000
Harford, Maryland 1 $ 95,000 $ 95,000 $ 351,000
Norfolk, Massachusetts 1 $ 65,000 $ 65,000 $ 102,000
Plymouth, Massachusetts 1 $ 155,000 $ 155,000 $ 195,000
Worcester, Massachusetts 1 $ 85,000 $ 85,000 $ 128,000
Mason, Michigan 1 $ 105,000 $ 105,000 $ 200,000
Lauderdale, Mississippi 1 $ 95,000 $ 95,000 $ 95,000
Ray, Missouri 1 $ 65,000 $ 65,000 $ 74,000
Hillsborough, New Hampshire 1 $ 65,000 $ 65,000 $ 345,000
Essex, New Jersey 1 $ 205,000 $ 205,000 $ 107,000
Sussex, New Jersey 1 $ 55,000 $ 55,000 $ 310,000
Genesee, New York 1 $ 105,000 $ 105,000 $ 119,000
Monroe, New York 1 $ 35,000 $ 35,000 $ 69,000
Oneida, New York 1 $ 35,000 $ 35,000 $ 40,000
Ulster, New York 1 $ 45,000 $ 45,000 $ 205,000
Carteret, North Carolina 1 $ 205,000 $ 205,000 $ 317,000
Catawba, North Carolina 1 $ 45,000 $ 45,000 $ 26,000
New Hanover, North Carolina 1 $ 365,000 $ 365,000 $ 426,000
Pender, North Carolina 1 $ 255,000 $ 255,000 $ 79,000
Rutherford, North Carolina 1 $ 45,000 $ 45,000 $ 109,000
Union, North Carolina 1 $ 45,000 $ 45,000 $ 139,000
Cuyahoga, Ohio 1 $ 75,000 $ 75,000 $ 289,000
Delaware, Ohio 1 $ 45,000 $ 45,000 $ 353,000
Fairfield, Ohio 1 $ 55,000 $ 55,000 $ 221,000
Jefferson, Ohio 1 $ 35,000 $ 35,000 $ 69,000
Montgomery, Ohio 1 $ 185,000 $ 185,000 $ 64,000
Portage, Ohio 1 $ 45,000 $ 45,000 $ 68,000
Union, Ohio 1 $ 305,000 $ 305,000 $ 85,000
Washington, Ohio 1 $ 45,000 $ 45,000 $ 100,000
Berks, Pennsylvania 1 $ 105,000 $ 105,000 $ 125,000
Cambria, Pennsylvania 1 $ 25,000 $ 25,000 $ 115,000
Centre, Pennsylvania 1 $ 185,000 $ 185,000 $ 139,000
Clarion, Pennsylvania 1 $ 35,000 $ 35,000 $ 116,000
Clearfield, Pennsylvania 1 $ 155,000 $ 155,000 $ 94,000
Crawford, Pennsylvania 1 $ 55,000 $ 55,000 $ 52,000
Dauphin, Pennsylvania 1 $ 45,000 $ 45,000 $ 61,000
Forest, Pennsylvania 1 $ 205,000 $ 205,000 $ 85,000
Jefferson, Pennsylvania 1 $ 125,000 $ 125,000 $ 55,000
Lancaster, Pennsylvania 1 $ 35,000 $ 35,000 $ 124,000
Lebanon, Pennsylvania 1 $ 15,000 $ 15,000 $ 72,000
Lehigh, Pennsylvania 1 $ 375,000 $ 375,000 $ 156,000
Lycoming, Pennsylvania 1 $ 155,000 $ 155,000 $ 128,000
McKean, Pennsylvania 1 $ 35,000 $ 35,000 $ 85,000
Northampton, Pennsylvania 1 $ 255,000 $ 255,000 $ 120,000
Warren, Pennsylvania 1 $ 65,000 $ 65,000 $ 104,000
Anderson, South Carolina 1 $ 75,000 $ 75,000 $ 286,000
Beaufort, South Carolina 1 $ 75,000 $ 75,000 $ 290,000
Berkeley, South Carolina 1 $ 85,000 $ 85,000 $ 57,000
Georgetown, South Carolina 1 $ 325,000 $ 325,000 $ 268,000
Spartanburg, South Carolina 1 $ 15,000 $ 15,000 $ 60,000
York, South Carolina 1 $ 65,000 $ 65,000 $ 100,000
Davidson, Tennessee 1 $ 75,000 $ 75,000 $ 145,000
Fayette, Tennessee 1 $ 105,000 $ 105,000 $ 320,000
Hamilton, Tennessee 1 $ 95,000 $ 95,000 $ 223,000
Knox, Tennessee 1 $ 65,000 $ 65,000 $ 166,000
Sevier, Tennessee 1 $ 525,000 $ 525,000 $ 718,000
Shelby, Tennessee 1 $ 25,000 $ 25,000 $ 120,000
White, Tennessee 1 $ 145,000 $ 145,000 $ 45,000
Tarrant, Texas 1 $ 75,000 $ 75,000 $ 173,000
Albemarle, Virginia 1 $ 75,000 $ 75,000 $ 159,000
Alexandria, Virginia 1 $ 135,000 $ 135,000 $ 83,000
Culpeper, Virginia 1 $ 45,000 $ 45,000 $ 120,000
Loudoun, Virginia 1 $ 75,000 $ 75,000 $ 466,000
Louisa, Virginia 1 $ 45,000 $ 45,000 $ 70,000
Spotsylvania, Virginia 1 $ 75,000 $ 75,000 $ 42,000
Virginia Beach, Virginia 1 $ 95,000 $ 95,000 $ 36,000
Mason, Washington 1 $ 205,000 $ 205,000 $ 60,000
Brooke, West Virginia 1 $ 35,000 $ 35,000 $ 169,000
Ohio, West Virginia 1 $ 25,000 $ 25,000 $ 164,000

Mortgage Loan Application Detail Totals for Clearview Federal Credit Union 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 Improvement 890 $61,450,000 $69,000 $965,000 $122,000 $1,728,000
Other Purpose 863 $62,745,000 $72,000 $645,000 $118,000 $1,793,000
Refinancing 481 $59,275,000 $123,000 $985,000 $134,000 $1,800,000
Home Purchase 280 $65,720,000 $234,000 $825,000 $165,000 $1,793,000
Cash-out Refinancing 53 $7,675,000 $144,000 $965,000 $117,000 $623,000
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 2,053 $201,155,000 $97,000 $985,000 $126,000 $1,800,000
Not Provided 266 $30,740,000 $115,000 $965,000 $139,000 $762,000
Black or African American 136 $10,080,000 $74,000 $455,000 $97,000 $562,000
Hispanic 60 $6,160,000 $102,000 $365,000 $151,000 $1,544,000
Asian 33 $4,885,000 $148,000 $505,000 $144,000 $273,000
American Indian or Alaskan Native 5 $765,000 $153,000 $445,000 $107,000 $256,000
Native Hawaiian or Other Pacific Islander 3 $285,000 $95,000 $185,000 $104,000 $155,000
Not applicable 1 $65,000 $65,000 $65,000 $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) 2,567 $256,865,000 $100,000 $985,000 $127,000 $1,800,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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 1,763 $190,415,000 $108,000 $985,000 $138,000 $1,793,000
Application Denied By Financial Institution 581 $47,535,000 $81,000 $965,000 $104,000 $1,800,000
Application Withdrawn By Applicant 118 $9,770,000 $82,000 $755,000 $102,000 $372,000
File Closed For Incompleteness 104 $9,140,000 $87,000 $295,000 $105,000 $546,000
Application Approved But Not Accepted 1 $5,000 $5,000 $5,000 $63,000 $63,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 1,986 $209,330,000 $105,000 $985,000 $134,000 $1,793,000
Other 217 $21,085,000 $97,000 $965,000 $122,000 $1,800,000
Credit History 182 $10,870,000 $59,000 $375,000 $97,000 $900,000
Debt-To-Income Ratio 109 $10,015,000 $91,000 $355,000 $71,000 $246,000
Collateral 64 $4,760,000 $74,000 $255,000 $117,000 $459,000
Unverifiable Information 6 $650,000 $108,000 $225,000 $89,000 $112,000
Employment History 3 $155,000 $51,000 $65,000 $132,000 $160,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Clearview Federal Credit Union's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Clearview Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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