Mifflinburg Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Mifflinburg Bank & Trust of Mifflinburg, PA reported 229 mortgage applications totaling $29.7 million, down 32% from 2013. The average application was for $129,506, and applicants reported an average income of $87,816. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were State College, PA (17), Bloomsburg-Berwick, PA (6) and Harrisburg-Carlisle, PA (2) (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 | 229 |
| Total Mortgage Loan Application Amount | $29,657,000 |
| Average Mortgage Loan Application Amount | $129,506 |
| Highest Mortgage Loan Application Amount | $1,710,000 |
| Average Applicant Income | $87,816 |
| Highest Applicant Income | $573,000 |
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(HMDA) records Mifflinburg Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| State College, PA | 17 | $ 2,033,000 | $ 119,588 | $ 75,000 |
| Bloomsburg-Berwick, PA | 6 | $ 505,000 | $ 84,166 | $ 36,000 |
| Harrisburg-Carlisle, PA | 2 | $ 423,000 | $ 211,500 | $ 313,000 |
| Altoona, PA | 1 | $ 96,000 | $ 96,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Mifflinburg Bank & Trust in 2014
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 | 114 | $18,488,000 | $162,000 | $1,710,000 | $93,000 | $540,000 |
| Home Improvement | 64 | $4,514,000 | $70,000 | $250,000 | $88,000 | $573,000 |
| Refinancing | 51 | $6,655,000 | $130,000 | $425,000 | $76,000 | $382,000 |
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 | 213 | $27,587,000 | $129,000 | $1,710,000 | $87,000 | $573,000 |
| Not applicable | 6 | $419,000 | $69,000 | $120,000 | $0 | $0 |
| Not Provided | 5 | $970,000 | $194,000 | $417,000 | $176,000 | $536,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $284,000 | $94,000 | $146,000 | $55,000 | $74,000 |
| Asian | 1 | $197,000 | $197,000 | $197,000 | $400,000 | $400,000 |
| Hispanic | 1 | $200,000 | $200,000 | $200,000 | $59,000 | $59,000 |
| American Indian or Alaskan Native | 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) | 229 | $29,657,000 | $129,000 | $1,710,000 | $88,000 | $573,000 |
| 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 | 195 | $26,144,000 | $134,000 | $1,710,000 | $92,000 | $573,000 |
| Application Denied By Financial Institution | 14 | $1,217,000 | $86,000 | $248,000 | $63,000 | $131,000 |
| Application Withdrawn By Applicant | 10 | $1,164,000 | $116,000 | $264,000 | $56,000 | $130,000 |
| Application Approved But Not Accepted | 10 | $1,132,000 | $113,000 | $158,000 | $83,000 | $208,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mifflinburg Bank & Trust's 2014 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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