Tioga-Franklin Savings Bank Mortgage Lending & HMDA Data, 2024
In 2024, Tioga-Franklin Savings Bank of Philadelphia, PA reported 68 mortgage applications totaling $27.6 million. The average application was for $406,176, and applicants reported an average income of $88,294. 38% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Lakewood-New Brunswick, NJ (16), Phoenix-Mesa-Scottsdale, AZ (8) and Philadelphia, PA (7) (applications in parentheses).
| Mortgage Company & Address | Tioga-Franklin Savings Bank 320 East Girard Avenue Philadelphia, PA 19125 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 68 |
| Total Mortgage Loan Application Amount | $27,620,000 |
| Average Mortgage Loan Application Amount | $406,176 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $88,294 |
| Highest Applicant Income | $300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tioga-Franklin Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Monmouth, New Jersey | 9 | $ 3,285,000 | $ 365,000 | $ 137,000 |
| Maricopa, Arizona | 8 | $ 3,310,000 | $ 413,750 | $ 47,000 |
| Philadelphia, Pennsylvania | 7 | $ 1,575,000 | $ 225,000 | $ 97,000 |
| Middlesex, New Jersey | 4 | $ 1,790,000 | $ 447,500 | $ 124,000 |
| Mercer, New Jersey | 3 | $ 965,000 | $ 321,666 | $ 90,000 |
| Hamilton, Tennessee | 3 | $ 1,105,000 | $ 368,333 | $ 120,000 |
| Essex, New Jersey | 2 | $ 1,310,000 | $ 655,000 | $ 179,000 |
| Ocean, New Jersey | 2 | $ 570,000 | $ 285,000 | $ 137,000 |
| Grayson, Texas | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Riverside, California | 1 | $ 475,000 | $ 475,000 | $ 0 |
| San Diego, California | 1 | $ 665,000 | $ 665,000 | $ 190,000 |
| Western Connecticut Planning Region, Connecticut | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Clay, Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Lee, Florida | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Marion, Florida | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Fulton, Georgia | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Honolulu, Hawaii | 1 | $ 965,000 | $ 965,000 | $ 0 |
| Cook, Illinois | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Androscoggin, Maine | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Jackson, Mississippi | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Howell, Missouri | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Clark, Nevada | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Cumberland, New Jersey | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 585,000 | $ 585,000 | $ 220,000 |
| Somerset, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 163,000 |
| Union, New Jersey | 1 | $ 765,000 | $ 765,000 | $ 300,000 |
| Cumberland, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Henderson, North Carolina | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Union, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Montgomery, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Wayne, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 233,000 |
| Berkeley, South Carolina | 1 | $ 575,000 | $ 575,000 | $ 127,000 |
| Orange, Virginia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Virginia Beach, Virginia | 1 | $ 475,000 | $ 475,000 | $ 0 |
Mortgage Loan Application Detail Totals for Tioga-Franklin Savings Bank 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 | 31 | $12,675,000 | $408,000 | $805,000 | $147,000 | $300,000 |
| Refinancing | 27 | $13,075,000 | $484,000 | $965,000 | $21,000 | $163,000 |
| Cash-out Refinancing | 10 | $1,870,000 | $187,000 | $355,000 | $88,000 | $159,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 29 | $11,925,000 | $411,000 | $965,000 | $75,000 | $217,000 |
| Not Provided | 15 | $5,705,000 | $380,000 | $605,000 | $109,000 | $233,000 |
| Hispanic | 8 | $4,260,000 | $532,000 | $765,000 | $76,000 | $300,000 |
| Black or African American | 7 | $2,675,000 | $382,000 | $515,000 | $35,000 | $180,000 |
| Asian | 5 | $2,015,000 | $403,000 | $515,000 | $167,000 | $232,000 |
| Not applicable | 4 | $1,040,000 | $260,000 | $535,000 | $0 | $0 |
| 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) | 38 | $13,140,000 | $345,000 | $805,000 | $136,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 26 | $12,850,000 | $494,000 | $965,000 | $15,000 | $149,000 |
| FHA-insured (Federal Housing Administration) | 4 | $1,630,000 | $407,000 | $495,000 | $105,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 26 | $10,520,000 | $404,000 | $765,000 | $154,000 | $300,000 |
| Application Withdrawn By Applicant | 23 | $9,105,000 | $395,000 | $815,000 | $77,000 | $232,000 |
| File Closed For Incompleteness | 15 | $6,875,000 | $458,000 | $965,000 | $6,000 | $90,000 |
| Application Denied By Financial Institution | 3 | $895,000 | $298,000 | $375,000 | $57,000 | $108,000 |
| Application Approved But Not Accepted | 1 | $225,000 | $225,000 | $225,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 68 | $27,620,000 | $406,000 | $965,000 | $86,000 | $300,000 |
| 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 |
| Not applicable | 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 Tioga-Franklin Savings Bank'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 Tioga-Franklin Savings Bank'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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