Mifflinburg Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Mifflinburg Bank & Trust of Mifflinburg, PA reported 376 mortgage applications totaling $62.8 million, up 5% from 2020. The average application was for $166,941, and applicants reported an average income of $121,244. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were State College, PA (30), Bloomsburg-Berwick, PA (5) and Williamsport, PA (5) (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 | 376 |
| Total Mortgage Loan Application Amount | $62,770,000 |
| Average Mortgage Loan Application Amount | $166,941 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $121,244 |
| Highest Applicant Income | $1,449,000 |
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(HMDA) records Mifflinburg Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 204 | $ 31,070,000 | $ 152,303 | $ 112,000 |
| Snyder, Pennsylvania | 63 | $ 10,445,000 | $ 165,793 | $ 121,000 |
| Northumberland, Pennsylvania | 49 | $ 6,075,000 | $ 123,979 | $ 93,000 |
| Centre, Pennsylvania | 30 | $ 4,710,000 | $ 157,000 | $ 83,000 |
| Lycoming, Pennsylvania | 5 | $ 965,000 | $ 193,000 | $ 160,000 |
| Juniata, Pennsylvania | 4 | $ 410,000 | $ 102,500 | $ 44,000 |
| Sussex, Delaware | 3 | $ 1,885,000 | $ 628,333 | $ 367,000 |
| Columbia, Pennsylvania | 3 | $ 205,000 | $ 68,333 | $ 52,000 |
| Clearfield, Pennsylvania | 2 | $ 540,000 | $ 270,000 | $ 1,310,000 |
| Clinton, Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 136,000 |
| Mifflin, Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 110,000 |
| Montour, Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 96,000 |
| Sullivan, Pennsylvania | 2 | $ 820,000 | $ 410,000 | $ 249,000 |
| Currituck, North Carolina | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Allegheny, Pennsylvania | 1 | $ 3,805,000 | $ 3,805,000 | $ 0 |
| Elk, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 109,000 |
| Lancaster, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 164,000 |
| Luzerne, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 1,449,000 |
Mortgage Loan Application Detail Totals for Mifflinburg Bank & Trust in 2021
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 | 173 | $39,175,000 | $226,000 | $3,805,000 | $121,000 | $820,000 |
| Refinancing | 131 | $19,665,000 | $150,000 | $535,000 | $121,000 | $1,310,000 |
| Other Purpose | 43 | $2,955,000 | $68,000 | $345,000 | $140,000 | $1,449,000 |
| Home Improvement | 29 | $975,000 | $33,000 | $85,000 | $96,000 | $386,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 344 | $54,620,000 | $158,000 | $1,525,000 | $122,000 | $1,449,000 |
| Not applicable | 20 | $6,880,000 | $344,000 | $3,805,000 | $0 | $0 |
| Not Provided | 7 | $855,000 | $122,000 | $205,000 | $93,000 | $159,000 |
| Hispanic | 4 | $230,000 | $57,000 | $105,000 | $81,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 376 | $62,770,000 | $166,000 | $3,805,000 | $121,000 | $1,449,000 |
| 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 | 335 | $55,545,000 | $165,000 | $3,805,000 | $126,000 | $1,449,000 |
| Application Approved But Not Accepted | 22 | $4,740,000 | $215,000 | $1,525,000 | $105,000 | $642,000 |
| Application Denied By Financial Institution | 15 | $1,855,000 | $123,000 | $345,000 | $62,000 | $122,000 |
| Application Withdrawn By Applicant | 4 | $630,000 | $157,000 | $305,000 | $58,000 | $88,000 |
| 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 | 361 | $60,915,000 | $168,000 | $3,805,000 | $123,000 | $1,449,000 |
| Debt-To-Income Ratio | 15 | $1,855,000 | $123,000 | $345,000 | $62,000 | $122,000 |
| 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 2021 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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