Mifflinburg Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Mifflinburg Bank & Trust of Mifflinburg, PA reported 304 mortgage applications totaling $37.3 million, up 18% from 2011. The average application was for $122,848, and applicants reported an average income of $76,516. 88% of its applications resulted in an originated loan and 5% were denied. Its largest markets were State College, PA (27), Williamsport, PA (3) 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 | 304 |
| Total Mortgage Loan Application Amount | $37,346,000 |
| Average Mortgage Loan Application Amount | $122,848 |
| Highest Mortgage Loan Application Amount | $1,666,000 |
| Average Applicant Income | $76,516 |
| Highest Applicant Income | $514,000 |
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(HMDA) records Mifflinburg Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Mifflinburg Bank & Trust in 2012
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 | 125 | $17,126,000 | $137,000 | $1,666,000 | $76,000 | $509,000 |
| Home Purchase | 112 | $14,003,000 | $125,000 | $583,000 | $78,000 | $514,000 |
| Home Improvement | 67 | $6,217,000 | $92,000 | $734,000 | $75,000 | $310,000 |
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 | 293 | $34,371,000 | $117,000 | $985,000 | $78,000 | $514,000 |
| Not applicable | 7 | $2,643,000 | $377,000 | $1,666,000 | $0 | $0 |
| Hispanic | 3 | $288,000 | $96,000 | $110,000 | $50,000 | $82,000 |
| Not Provided | 1 | $44,000 | $44,000 | $44,000 | $71,000 | $71,000 |
| 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) | 304 | $37,346,000 | $122,000 | $1,666,000 | $76,000 | $514,000 |
| 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 | 267 | $32,022,000 | $119,000 | $1,666,000 | $76,000 | $514,000 |
| Application Approved But Not Accepted | 16 | $2,541,000 | $158,000 | $985,000 | $95,000 | $509,000 |
| Application Denied By Financial Institution | 15 | $1,913,000 | $127,000 | $600,000 | $69,000 | $316,000 |
| Application Withdrawn By Applicant | 5 | $830,000 | $166,000 | $397,000 | $74,000 | $150,000 |
| File Closed For Incompleteness | 1 | $40,000 | $40,000 | $40,000 | $11,000 | $11,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2012 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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