Pennsylvania State Employees Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Pennsylvania State Employees Credit Union 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Pennsylvania State Employees Credit Union Po Box 67013 Harrisburg, PA 17106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 4,918 |
| Total Mortgage Loan Application Amount | $290,627,000 |
| Average Mortgage Loan Application Amount | $81,666 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $91,538 |
| Highest Applicant Income | $539,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Pennsylvania State Employees Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Pennsylvania State Employees Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Pennsylvania State Employees Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Pennsylvania State Employees Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Pennsylvania State Employees Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Pennsylvania State Employees Credit Union's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dauphin County Pennsylvania | 787 | $ 40,981,000 | $ 52,000 | $ 69,000 |
| Cumberland County Pennsylvania | 401 | $ 23,553,000 | $ 58,000 | $ 74,000 |
| York County Pennsylvania | 226 | $ 13,099,000 | $ 57,000 | $ 69,000 |
| Lancaster County Pennsylvania | 181 | $ 10,073,000 | $ 55,000 | $ 98,000 |
| Montgomery County Pennsylvania | 124 | $ 7,849,000 | $ 63,000 | $ 81,000 |
| Allegheny County Pennsylvania | 123 | $ 4,768,000 | $ 38,000 | $ 62,000 |
| Luzerne County Pennsylvania | 123 | $ 6,818,000 | $ 55,000 | $ 71,000 |
| Schuylkill County Pennsylvania | 112 | $ 5,687,000 | $ 50,000 | $ 75,000 |
| Philadelphia County Pennsylvania | 109 | $ 6,748,000 | $ 61,000 | $ 75,000 |
| Indiana County Pennsylvania | 106 | $ 6,213,000 | $ 58,000 | $ 74,000 |
| Perry County Pennsylvania | 104 | $ 5,631,000 | $ 54,000 | $ 68,000 |
| Berks County Pennsylvania | 100 | $ 5,154,000 | $ 51,000 | $ 66,000 |
| Lebanon County Pennsylvania | 98 | $ 4,740,000 | $ 48,000 | $ 62,000 |
| Centre County Pennsylvania | 93 | $ 5,034,000 | $ 54,000 | $ 73,000 |
| Bucks County Pennsylvania | 82 | $ 7,135,000 | $ 87,000 | $ 96,000 |
| Lycoming County Pennsylvania | 80 | $ 3,790,000 | $ 47,000 | $ 63,000 |
| Delaware County Pennsylvania | 76 | $ 4,917,000 | $ 64,000 | $ 83,000 |
| Lackawanna County Pennsylvania | 75 | $ 4,597,000 | $ 61,000 | $ 63,000 |
| Westmoreland County Pennsylvania | 67 | $ 3,272,000 | $ 48,000 | $ 66,000 |
| Chester County Pennsylvania | 63 | $ 4,520,000 | $ 71,000 | $ 91,000 |
| Lehigh County Pennsylvania | 60 | $ 3,378,000 | $ 56,000 | $ 76,000 |
| Northumberland County Pennsylvania | 55 | $ 1,918,000 | $ 34,000 | $ 58,000 |
| Franklin County Pennsylvania | 54 | $ 3,493,000 | $ 64,000 | $ 81,000 |
| Blair County Pennsylvania | 53 | $ 2,265,000 | $ 42,000 | $ 67,000 |
| Clearfield County Pennsylvania | 52 | $ 2,177,000 | $ 41,000 | $ 57,000 |
| Erie County Pennsylvania | 52 | $ 2,325,000 | $ 44,000 | $ 57,000 |
| Clinton County Pennsylvania | 49 | $ 1,742,000 | $ 35,000 | $ 61,000 |
| Northampton County Pennsylvania | 47 | $ 2,362,000 | $ 50,000 | $ 85,000 |
| Cambria County Pennsylvania | 43 | $ 2,166,000 | $ 50,000 | $ 53,000 |
| Monroe County Pennsylvania | 38 | $ 2,701,000 | $ 71,000 | $ 83,000 |
| Adams County Pennsylvania | 35 | $ 1,739,000 | $ 49,000 | $ 73,000 |
| Crawford County Pennsylvania | 33 | $ 1,782,000 | $ 54,000 | $ 58,000 |
| Mercer County Pennsylvania | 32 | $ 1,537,000 | $ 48,000 | $ 66,000 |
| Columbia County Pennsylvania | 30 | $ 1,932,000 | $ 64,000 | $ 57,000 |
| Snyder County Pennsylvania | 29 | $ 1,473,000 | $ 50,000 | $ 68,000 |
| Washington County Pennsylvania | 26 | $ 1,662,000 | $ 63,000 | $ 66,000 |
| Union County Pennsylvania | 25 | $ 1,150,000 | $ 46,000 | $ 68,000 |
| Huntingdon County Pennsylvania | 24 | $ 1,054,000 | $ 43,000 | $ 55,000 |
| Butler County Pennsylvania | 23 | $ 1,469,000 | $ 63,000 | $ 78,000 |
| Venango County Pennsylvania | 23 | $ 858,000 | $ 37,000 | $ 60,000 |
| Bedford County Pennsylvania | 22 | $ 929,000 | $ 42,000 | $ 58,000 |
| Somerset County Pennsylvania | 22 | $ 844,000 | $ 38,000 | $ 56,000 |
| Tioga County Pennsylvania | 20 | $ 693,000 | $ 34,000 | $ 66,000 |
| Carbon County Pennsylvania | 19 | $ 829,000 | $ 43,000 | $ 82,000 |
| Fayette County Pennsylvania | 18 | $ 692,000 | $ 38,000 | $ 58,000 |
| Lawrence County Pennsylvania | 17 | $ 1,195,000 | $ 70,000 | $ 60,000 |
| Beaver County Pennsylvania | 16 | $ 599,000 | $ 37,000 | $ 64,000 |
| Juniata County Pennsylvania | 15 | $ 819,000 | $ 54,000 | $ 61,000 |
| Armstrong County Pennsylvania | 14 | $ 444,000 | $ 31,000 | $ 78,000 |
| Montour County Pennsylvania | 14 | $ 684,000 | $ 48,000 | $ 69,000 |
| Wayne County Pennsylvania | 14 | $ 1,240,000 | $ 88,000 | $ 63,000 |
| Mifflin County Pennsylvania | 13 | $ 607,000 | $ 46,000 | $ 49,000 |
| Jefferson County Pennsylvania | 12 | $ 587,000 | $ 48,000 | $ 61,000 |
| Bradford County Pennsylvania | 10 | $ 299,000 | $ 29,000 | $ 62,000 |
| Clarion County Pennsylvania | 10 | $ 317,000 | $ 31,000 | $ 78,000 |
| Pike County Pennsylvania | 10 | $ 517,000 | $ 51,000 | $ 80,000 |
| Warren County Pennsylvania | 10 | $ 391,000 | $ 39,000 | $ 66,000 |
| Wyoming County Pennsylvania | 10 | $ 696,000 | $ 69,000 | $ 64,000 |
| Elk County Pennsylvania | 6 | $ 287,000 | $ 47,000 | $ 63,000 |
| Cameron County Pennsylvania | 5 | $ 154,000 | $ 30,000 | $ 41,000 |
| Potter County Pennsylvania | 5 | $ 321,000 | $ 64,000 | $ 78,000 |
| Susquehanna County Pennsylvania | 5 | $ 224,000 | $ 44,000 | $ 72,000 |
| Fulton County Pennsylvania | 4 | $ 178,000 | $ 44,000 | $ 63,000 |
| McKean County Pennsylvania | 4 | $ 185,000 | $ 46,000 | $ 40,000 |
| Burlington County New Jersey | 3 | $ 444,000 | $ 148,000 | $ 52,000 |
| Cape May County New Jersey | 3 | $ 801,000 | $ 267,000 | $ 113,000 |
| Lee County Florida | 2 | $ 324,000 | $ 162,000 | $ 41,000 |
| Sumter County Florida | 2 | $ 129,000 | $ 64,000 | $ 46,000 |
| Howard County Maryland | 2 | $ 300,000 | $ 150,000 | $ 80,000 |
| Worcester County Maryland | 2 | $ 385,000 | $ 192,000 | $ 94,000 |
| Camden County New Jersey | 2 | $ 306,000 | $ 153,000 | $ 47,000 |
| Mecklenburg County North Carolina | 2 | $ 284,000 | $ 142,000 | $ 77,000 |
| Forest County Pennsylvania | 2 | $ 165,000 | $ 82,000 | $ 55,000 |
| Greene County Pennsylvania | 2 | $ 89,000 | $ 44,000 | $ 52,000 |
| Sullivan County Pennsylvania | 2 | $ 46,000 | $ 23,000 | $ 28,000 |
| New Castle County Delaware | 1 | $ 253,000 | $ 253,000 | $ 90,000 |
| Charlotte County Florida | 1 | $ 71,000 | $ 71,000 | $ 77,000 |
| Collier County Florida | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Indian River County Florida | 1 | $ 281,000 | $ 281,000 | $ 76,000 |
| Levy County Florida | 1 | $ 68,000 | $ 68,000 | $ 37,000 |
| Marion County Florida | 1 | $ 70,000 | $ 70,000 | $ 85,000 |
| Nassau County Florida | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Pinellas County Florida | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Sarasota County Florida | 1 | $ 142,000 | $ 142,000 | $ 37,000 |
| Suwannee County Florida | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Walton County Florida | 1 | $ 104,000 | $ 104,000 | $ 90,000 |
| Gwinnett County Georgia | 1 | $ 130,000 | $ 130,000 | $ 113,000 |
| Liberty County Georgia | 1 | $ 96,000 | $ 96,000 | $ 48,000 |
| Allegany County Maryland | 1 | $ 91,000 | $ 91,000 | $ 29,000 |
| Baltimore City County Maryland | 1 | $ 168,000 | $ 168,000 | $ 110,000 |
| Charles County Maryland | 1 | $ 176,000 | $ 176,000 | $ 57,000 |
| Dorchester County Maryland | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Frederick County Maryland | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Kent County Maryland | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Montgomery County Maryland | 1 | $ 360,000 | $ 360,000 | $ 155,000 |
| Atlantic County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Gloucester County New Jersey | 1 | $ 87,000 | $ 87,000 | $ 103,000 |
| Ocean County New Jersey | 1 | $ 256,000 | $ 256,000 | $ 208,000 |
| Allegany County New York | 1 | $ 47,000 | $ 47,000 | $ 37,000 |
| Cortland County New York | 1 | $ 68,000 | $ 68,000 | $ 133,000 |
| Kings County New York | 1 | $ 84,000 | $ 84,000 | $ 49,000 |
| Orange County New York | 1 | $ 248,000 | $ 248,000 | $ 93,000 |
| Brunswick County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 47,000 |
| Buncombe County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 89,000 |
| Moore County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Robeson County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 68,000 |
| Rowan County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 79,000 |
| Hancock County Ohio | 1 | $ 172,000 | $ 172,000 | $ 158,000 |
| Portage County Ohio | 1 | $ 137,000 | $ 137,000 | $ 79,000 |
| Trumbull County Ohio | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Horry County South Carolina | 1 | $ 58,000 | $ 58,000 | $ 104,000 |
| Henrico County Virginia | 1 | $ 252,000 | $ 252,000 | $ 98,000 |
| Prince William County Virginia | 1 | $ 193,000 | $ 193,000 | $ 56,000 |
| Virginia Beach County Virginia | 1 | $ 95,000 | $ 95,000 | $ 91,000 |
| Harrison County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Kanawha County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Pennsylvania State Employees Credit Union in 2005
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 | 2,158 | $144,438,000 | $81,538 | $800,000 | $82,384 | $385,000 |
| Home Improvement | 1,990 | $51,234,000 | $40,928 | $320,000 | $118,214 | $489,000 |
| Home Purchase | 770 | $94,955,000 | $129,333 | $384,000 | $70,333 | $539,000 |
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 | 3,596 | $220,132,000 | $79,133 | $384,000 | $96,733 | $539,000 |
| Not Provided | 1,059 | $51,426,000 | $76,727 | $360,000 | $84,454 | $385,000 |
| Black or African American | 150 | $9,512,000 | $98,750 | $325,000 | $74,250 | $192,000 |
| Hispanic | 50 | $4,377,000 | $96,200 | $303,000 | $115,800 | $348,000 |
| Asian | 39 | $3,909,000 | $67,500 | $800,000 | $85,666 | $489,000 |
| American Indian or Alaskan Native | 22 | $1,099,000 | $49,000 | $160,000 | $73,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $172,000 | $86,000 | $162,000 | $60,000 | $83,000 |
| Not applicable | 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) | 4,918 | $290,627,000 | $76,733 | $800,000 | $102,266 | $539,000 |
| 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 | 3,605 | $187,444,000 | $59,692 | $360,000 | $85,769 | $480,000 |
| Application Denied By Financial Institution | 410 | $28,148,000 | $104,500 | $384,000 | $61,500 | $224,000 |
| Application Withdrawn By Applicant | 402 | $35,513,000 | $94,454 | $360,000 | $103,272 | $539,000 |
| Application Approved But Not Accepted | 273 | $13,525,000 | $76,888 | $360,000 | $78,666 | $193,000 |
| File Closed For Incompleteness | 136 | $12,392,000 | $93,666 | $800,000 | $82,333 | $489,000 |
| Preapproval Approved but not Accepted | 82 | $11,862,000 | $144,000 | $360,000 | $77,000 | $150,000 |
| Preapproval Denied by Financial Institution | 10 | $1,743,000 | $174,000 | $300,000 | $46,000 | $105,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 172 | $11,393,000 | $110,000 | $325,000 | $74,000 | $182,000 |
| Debt-To-Income Ratio | 159 | $10,957,000 | $88,625 | $384,000 | $49,125 | $164,000 |
| Collateral | 57 | $3,492,000 | $154,500 | $360,000 | $131,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $2,657,000 | $174,000 | $313,000 | $53,666 | $86,000 |
| Other | 8 | $693,000 | $86,000 | $158,000 | $61,000 | $108,000 |
| Employment History | 4 | $466,000 | $116,500 | $190,000 | $61,000 | $108,000 |
| Credit Application Incomplete | 1 | $233,000 | $233,000 | $233,000 | $45,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pennsylvania State Employees Credit Union's 2005 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 Pennsylvania State Employees Credit Union'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.