Clearview Federal Credit Union Mortgage Lending & HMDA Data, 2020
In 2020, Clearview Federal Credit Union of Moon Township, PA reported 2,599 mortgage applications totaling $246.5 million, up 14% from 2019. The average application was for $94,842, and applicants reported an average income of $116,015. 67% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Pittsburgh, PA (2,204), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (17) and Wilmington, DE-MD-NJ (12) (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 | 2,599 |
| Total Mortgage Loan Application Amount | $246,495,000 |
| Average Mortgage Loan Application Amount | $94,842 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $116,015 |
| Highest Applicant Income | $4,500,000 |
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records Clearview Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 2,204 | $ 203,360,000 | $ 92,268 | $ 116,000 |
| Outside any metro area | 108 | $ 8,510,000 | $ 78,796 | $ 102,694 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 2,155,000 | $ 126,764 | $ 90,000 |
| Wilmington, DE-MD-NJ | 12 | $ 1,380,000 | $ 115,000 | $ 74,666 |
| Baltimore-Columbia-Towson, MD | 11 | $ 2,155,000 | $ 195,909 | $ 179,000 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 1,390,000 | $ 139,000 | $ 157,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 1,130,000 | $ 113,000 | $ 94,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 1,320,000 | $ 132,000 | $ 136,200 |
| Weirton-Steubenville, WV-OH | 9 | $ 445,000 | $ 49,444 | $ 73,222 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 475,000 | $ 52,777 | $ 93,222 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,140,000 | $ 142,500 | $ 117,000 |
| Philadelphia, PA | 8 | $ 470,000 | $ 58,750 | $ 57,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,050,000 | $ 131,250 | $ 93,000 |
| Wilmington, NC | 8 | $ 1,400,000 | $ 175,000 | $ 148,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 965,000 | $ 137,857 | $ 92,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 850,000 | $ 212,500 | $ 153,000 |
| Knoxville, TN | 4 | $ 570,000 | $ 142,500 | $ 94,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 350,000 | $ 87,500 | $ 59,000 |
| San Diego-Carlsbad, CA | 4 | $ 750,000 | $ 187,500 | $ 118,000 |
| Birmingham-Hoover, AL | 3 | $ 115,000 | $ 38,333 | $ 109,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 905,000 | $ 301,666 | $ 330,000 |
| Harrisburg-Carlisle, PA | 3 | $ 415,000 | $ 138,333 | $ 161,000 |
| Lancaster, PA | 3 | $ 395,000 | $ 131,666 | $ 213,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 315,000 | $ 105,000 | $ 92,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 145,000 | $ 48,333 | $ 141,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 715,000 | $ 238,333 | $ 101,000 |
| Raleigh, NC | 3 | $ 785,000 | $ 261,666 | $ 191,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 365,000 | $ 121,666 | $ 150,000 |
| Salisbury, MD-DE | 3 | $ 175,000 | $ 58,333 | $ 108,666 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 225,000 | $ 75,000 | $ 150,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 695,000 | $ 231,666 | $ 127,000 |
| Akron, OH | 2 | $ 230,000 | $ 115,000 | $ 105,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 360,000 | $ 180,000 | $ 83,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 160,000 | $ 80,000 | $ 89,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 140,000 | $ 70,000 | $ 154,000 |
| Camden, NJ | 2 | $ 140,000 | $ 70,000 | $ 125,000 |
| Cleveland-Elyria, OH | 2 | $ 130,000 | $ 65,000 | $ 122,000 |
| Erie, PA | 2 | $ 60,000 | $ 30,000 | $ 78,000 |
| Flagstaff, AZ | 2 | $ 610,000 | $ 305,000 | $ 134,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 90,000 | $ 45,000 | $ 293,000 |
| Kingston, NY | 2 | $ 90,000 | $ 45,000 | $ 280,000 |
| Lakeland-Winter Haven, FL | 2 | $ 490,000 | $ 245,000 | $ 117,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 700,000 | $ 350,000 | $ 165,000 |
| Newark, NJ-PA | 2 | $ 350,000 | $ 175,000 | $ 173,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 180,000 | $ 90,000 | $ 45,000 |
| Ocean City, NJ | 2 | $ 130,000 | $ 65,000 | $ 68,000 |
| Port St. Lucie, FL | 2 | $ 310,000 | $ 155,000 | $ 339,000 |
| Rockingham County-Strafford County, NH | 2 | $ 290,000 | $ 145,000 | $ 277,000 |
| Syracuse, NY | 2 | $ 70,000 | $ 35,000 | $ 67,000 |
| Utica-Rome, NY | 2 | $ 70,000 | $ 35,000 | $ 177,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 490,000 | $ 245,000 | $ 99,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 55,000 | $ 55,000 | $ 197,000 |
| Altoona, PA | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Charleston-North Charleston, SC | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Charlottesville, VA | 1 | $ 25,000 | $ 25,000 | $ 81,000 |
| Cincinnati, OH-KY-IN | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 25,000 | $ 25,000 | $ 195,000 |
| Dover, DE | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Fort Collins, CO | 1 | $ 55,000 | $ 55,000 | $ 225,000 |
| Greensboro-High Point, NC | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 145,000 | $ 145,000 | $ 128,000 |
| Homosassa Springs, FL | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Jacksonville, FL | 1 | $ 35,000 | $ 35,000 | $ 255,000 |
| Johnstown, PA | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Kansas City, MO-KS | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Lebanon, PA | 1 | $ 25,000 | $ 25,000 | $ 84,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Napa, CA | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 145,000 | $ 145,000 | $ 105,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 115,000 | $ 115,000 | $ 145,000 |
| Nassau County-Suffolk County, NY | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 105,000 | $ 105,000 | $ 336,000 |
| Ocala, FL | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 172,000 |
| Portland-South Portland, ME | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Providence-Warwick, RI-MA | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Reading, PA | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Reno, NV | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Rochester, NY | 1 | $ 105,000 | $ 105,000 | $ 200,000 |
| Savannah, GA | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Spokane-Spokane Valley, WA | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| St. Louis, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Terre Haute, IN | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Wheeling, WV-OH | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Winchester, VA-WV | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Winston-Salem, NC | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Clearview Federal Credit Union in 2020
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 | 864 | $110,990,000 | $128,000 | $1,605,000 | $109,000 | $3,782,000 |
| Home Improvement | 676 | $35,630,000 | $52,000 | $355,000 | $109,000 | $1,500,000 |
| Other Purpose | 656 | $44,470,000 | $67,000 | $845,000 | $108,000 | $772,000 |
| Cash-out Refinancing | 208 | $26,450,000 | $127,000 | $605,000 | $122,000 | $874,000 |
| Home Purchase | 195 | $28,955,000 | $148,000 | $645,000 | $192,000 | $4,500,000 |
| 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 | 2,199 | $207,055,000 | $94,000 | $1,605,000 | $115,000 | $4,500,000 |
| Not Provided | 223 | $24,105,000 | $108,000 | $605,000 | $139,000 | $874,000 |
| Black or African American | 98 | $6,420,000 | $65,000 | $265,000 | $77,000 | $268,000 |
| Hispanic | 37 | $3,715,000 | $100,000 | $525,000 | $125,000 | $447,000 |
| Asian | 36 | $4,960,000 | $137,000 | $505,000 | $138,000 | $674,000 |
| American Indian or Alaskan Native | 3 | $75,000 | $25,000 | $35,000 | $28,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $105,000 | $165,000 | $200,000 |
| Not applicable | 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) | 2,599 | $246,495,000 | $94,000 | $1,605,000 | $116,000 | $4,500,000 |
| 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 | 1,748 | $176,020,000 | $100,000 | $1,605,000 | $122,000 | $3,782,000 |
| Application Denied By Financial Institution | 571 | $43,255,000 | $75,000 | $535,000 | $97,000 | $4,500,000 |
| Application Withdrawn By Applicant | 180 | $17,000,000 | $94,000 | $525,000 | $116,000 | $520,000 |
| File Closed For Incompleteness | 97 | $9,865,000 | $101,000 | $605,000 | $117,000 | $540,000 |
| Application Approved But Not Accepted | 3 | $355,000 | $118,000 | $125,000 | $125,000 | $190,000 |
| 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 | 2,028 | $203,240,000 | $100,000 | $1,605,000 | $121,000 | $3,782,000 |
| Other | 186 | $17,340,000 | $93,000 | $505,000 | $153,000 | $4,500,000 |
| Credit History | 167 | $9,495,000 | $56,000 | $325,000 | $72,000 | $277,000 |
| Debt-To-Income Ratio | 122 | $9,270,000 | $75,000 | $535,000 | $53,000 | $261,000 |
| Collateral | 75 | $5,825,000 | $77,000 | $505,000 | $99,000 | $360,000 |
| Unverifiable Information | 17 | $1,035,000 | $60,000 | $155,000 | $61,000 | $121,000 |
| Employment History | 3 | $225,000 | $75,000 | $195,000 | $46,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $40,000 | $40,000 |
| 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 2020 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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