Mifflinburg Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Mifflinburg Bank & Trust of Mifflinburg, PA reported 183 mortgage applications totaling $32.7 million, down 9% from 2023. The average application was for $178,934, and applicants reported an average income of $139,262. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were State College, PA (9), Williamsport, 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 | 183 |
| Total Mortgage Loan Application Amount | $32,745,000 |
| Average Mortgage Loan Application Amount | $178,934 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $139,262 |
| Highest Applicant Income | $1,952,000 |
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(HMDA) records Mifflinburg Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 164 | $ 27,800,000 | $ 169,512 | $ 139,374 |
| State College, PA | 9 | $ 2,315,000 | $ 257,222 | $ 100,000 |
| Williamsport, PA | 6 | $ 870,000 | $ 145,000 | $ 161,000 |
| Harrisburg-Carlisle, PA | 2 | $ 890,000 | $ 445,000 | $ 45,000 |
| Reading, PA | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 545,000 | $ 545,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mifflinburg Bank & Trust in 2024
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 | 112 | $25,250,000 | $225,000 | $1,315,000 | $146,000 | $1,952,000 |
| Refinancing | 29 | $4,815,000 | $166,000 | $565,000 | $159,000 | $1,058,000 |
| Home Improvement | 28 | $1,880,000 | $67,000 | $505,000 | $116,000 | $516,000 |
| Other Purpose | 14 | $800,000 | $57,000 | $155,000 | $91,000 | $263,000 |
| 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 | 153 | $25,255,000 | $165,000 | $665,000 | $140,000 | $1,952,000 |
| Not applicable | 25 | $6,475,000 | $259,000 | $1,315,000 | $0 | $0 |
| Hispanic | 2 | $260,000 | $130,000 | $215,000 | $102,000 | $125,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $43,000 | $43,000 |
| Black or African American | 1 | $175,000 | $175,000 | $175,000 | $77,000 | $77,000 |
| Not Provided | 1 | $405,000 | $405,000 | $405,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 183 | $32,745,000 | $178,000 | $1,315,000 | $138,000 | $1,952,000 |
| 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 | 171 | $31,205,000 | $182,000 | $1,315,000 | $142,000 | $1,952,000 |
| Application Denied By Financial Institution | 8 | $1,110,000 | $138,000 | $405,000 | $83,000 | $230,000 |
| Application Withdrawn By Applicant | 2 | $270,000 | $135,000 | $195,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $42,000 | $42,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $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 | 175 | $31,635,000 | $180,000 | $1,315,000 | $141,000 | $1,952,000 |
| Debt-To-Income Ratio | 8 | $1,110,000 | $138,000 | $405,000 | $83,000 | $230,000 |
| 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 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About