Mifflinburg Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Mifflinburg Bank & Trust of Mifflinburg, PA reported 173 mortgage applications totaling $36.8 million, down 5% from 2024. The average application was for $212,572, and applicants reported an average income of $173,884. 94% of its applications resulted in an originated loan and 2% were denied. Its largest markets were State College, PA (10), Williamsport, PA (4) and Myrtle Beach-Conway-North Myrtle Beach, SC-NC (1) (applications in parentheses).
| Mortgage Company & Address | Mifflinburg Bank & Trust 250 E. Chestnut Street, Po Box 186 Mifflinburg, PA 17844 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 | 173 |
| Total Mortgage Loan Application Amount | $36,775,000 |
| Average Mortgage Loan Application Amount | $212,572 |
| Highest Mortgage Loan Application Amount | $1,535,000 |
| Average Applicant Income | $173,884 |
| Highest Applicant Income | $2,251,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mifflinburg Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Union, Pennsylvania | 78 | $ 17,810,000 | $ 228,333 | $ 216,000 |
| Northumberland, Pennsylvania | 39 | $ 6,965,000 | $ 178,589 | $ 137,000 |
| Snyder, Pennsylvania | 29 | $ 4,625,000 | $ 159,482 | $ 97,000 |
| Centre, Pennsylvania | 10 | $ 1,880,000 | $ 188,000 | $ 73,000 |
| Lycoming, Pennsylvania | 4 | $ 1,350,000 | $ 337,500 | $ 168,000 |
| Clearfield, Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 10,000 |
| Columbia, Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 84,000 |
| Clinton, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Juniata, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 381,000 |
| Luzerne, Pennsylvania | 1 | $ 1,535,000 | $ 1,535,000 | $ 553,000 |
| Montour, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
| Somerset, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Sullivan, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 573,000 |
| Tioga, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 88,000 |
| Westmoreland, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Horry, South Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mifflinburg Bank & Trust in 2025
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 | 123 | $29,775,000 | $242,000 | $1,535,000 | $206,000 | $2,251,000 |
| Refinancing | 28 | $5,350,000 | $191,000 | $575,000 | $94,000 | $191,000 |
| Home Improvement | 13 | $955,000 | $73,000 | $265,000 | $101,000 | $207,000 |
| Other Purpose | 8 | $490,000 | $61,000 | $175,000 | $93,000 | $212,000 |
| Cash-out Refinancing | 1 | $205,000 | $205,000 | $205,000 | $55,000 | $55,000 |
| 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 | 132 | $26,510,000 | $200,000 | $1,535,000 | $153,000 | $1,709,000 |
| Not applicable | 35 | $8,595,000 | $245,000 | $925,000 | $0 | $0 |
| Not Provided | 4 | $970,000 | $242,000 | $365,000 | $657,000 | $2,251,000 |
| Asian | 2 | $700,000 | $350,000 | $375,000 | $242,000 | $319,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 173 | $36,775,000 | $212,000 | $1,535,000 | $169,000 | $2,251,000 |
| 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 | 163 | $34,495,000 | $211,000 | $1,535,000 | $172,000 | $2,251,000 |
| Application Approved But Not Accepted | 5 | $1,475,000 | $295,000 | $695,000 | $146,000 | $287,000 |
| Application Denied By Financial Institution | 3 | $365,000 | $121,000 | $175,000 | $47,000 | $83,000 |
| Application Withdrawn By Applicant | 2 | $440,000 | $220,000 | $365,000 | $226,000 | $319,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 170 | $36,410,000 | $214,000 | $1,535,000 | $172,000 | $2,251,000 |
| Debt-To-Income Ratio | 3 | $365,000 | $121,000 | $175,000 | $47,000 | $83,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mifflinburg Bank & Trust's 2025 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 Mifflinburg Bank & Trust'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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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