Unifirst Mortgage Corporation Mortgage Lending & HMDA Data, 2018
In 2018, Unifirst Mortgage Corporation of Johnstown, PA reported 361 mortgage applications totaling $68.6 million, down 47% from 2017. The average application was for $190,069, and applicants reported an average income of $77,576. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Grand Junction, CO (111), Johnstown, PA (29) and Pittsburgh, PA (25) (applications in parentheses).
| Mortgage Company & Address | Unifirst Mortgage Corporation 217 Eisenhower Blvd Johnstown, PA 15905 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 361 |
| Total Mortgage Loan Application Amount | $68,615,000 |
| Average Mortgage Loan Application Amount | $190,069 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $77,576 |
| Highest Applicant Income | $816,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Unifirst Mortgage Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Mesa, Colorado | 111 | $ 25,235,000 | $ 227,342 | $ 79,000 |
| Cambria, Pennsylvania | 29 | $ 3,065,000 | $ 105,689 | $ 60,000 |
| Somerset, Pennsylvania | 14 | $ 1,220,000 | $ 87,142 | $ 65,000 |
| Allegheny, Pennsylvania | 13 | $ 2,155,000 | $ 165,769 | $ 89,000 |
| Blair, Pennsylvania | 9 | $ 1,415,000 | $ 157,222 | $ 157,000 |
| Berks, Pennsylvania | 8 | $ 1,410,000 | $ 176,250 | $ 73,000 |
| Essex, New Jersey | 6 | $ 1,490,000 | $ 248,333 | $ 94,000 |
| Camden, New Jersey | 5 | $ 765,000 | $ 153,000 | $ 65,000 |
| Ocean, New Jersey | 5 | $ 1,425,000 | $ 285,000 | $ 107,000 |
| Franklin, Pennsylvania | 5 | $ 905,000 | $ 181,000 | $ 76,000 |
| Pike, Pennsylvania | 5 | $ 855,000 | $ 171,000 | $ 69,000 |
| Washington, Pennsylvania | 5 | $ 915,000 | $ 183,000 | $ 125,000 |
| Gloucester, New Jersey | 4 | $ 700,000 | $ 175,000 | $ 83,000 |
| Middlesex, New Jersey | 4 | $ 1,190,000 | $ 297,500 | $ 100,000 |
| Sussex, New Jersey | 4 | $ 630,000 | $ 157,500 | $ 44,000 |
| Bucks, Pennsylvania | 4 | $ 1,010,000 | $ 252,500 | $ 91,000 |
| Lackawanna, Pennsylvania | 4 | $ 550,000 | $ 137,500 | $ 54,000 |
| Monroe, Pennsylvania | 4 | $ 810,000 | $ 202,500 | $ 83,000 |
| Garfield, Colorado | 3 | $ 1,415,000 | $ 471,666 | $ 130,000 |
| Polk, Florida | 3 | $ 415,000 | $ 138,333 | $ 82,000 |
| Salem, New Jersey | 3 | $ 315,000 | $ 105,000 | $ 65,000 |
| Erie, Ohio | 3 | $ 315,000 | $ 105,000 | $ 55,000 |
| Cumberland, Pennsylvania | 3 | $ 505,000 | $ 168,333 | $ 54,000 |
| Delaware, Pennsylvania | 3 | $ 435,000 | $ 145,000 | $ 86,000 |
| Lehigh, Pennsylvania | 3 | $ 515,000 | $ 171,666 | $ 53,000 |
| Luzerne, Pennsylvania | 3 | $ 415,000 | $ 138,333 | $ 92,000 |
| Montgomery, Pennsylvania | 3 | $ 785,000 | $ 261,666 | $ 91,000 |
| Westmoreland, Pennsylvania | 3 | $ 225,000 | $ 75,000 | $ 51,000 |
| Broward, Florida | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Hendry, Florida | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Hernando, Florida | 2 | $ 360,000 | $ 180,000 | $ 42,000 |
| Lee, Florida | 2 | $ 340,000 | $ 170,000 | $ 48,000 |
| Miami-Dade, Florida | 2 | $ 450,000 | $ 225,000 | $ 55,000 |
| Volusia, Florida | 2 | $ 300,000 | $ 150,000 | $ 50,000 |
| Charles, Maryland | 2 | $ 630,000 | $ 315,000 | $ 98,000 |
| Garrett, Maryland | 2 | $ 380,000 | $ 190,000 | $ 139,000 |
| Harford, Maryland | 2 | $ 660,000 | $ 330,000 | $ 108,000 |
| Hunterdon, New Jersey | 2 | $ 660,000 | $ 330,000 | $ 92,000 |
| Passaic, New Jersey | 2 | $ 560,000 | $ 280,000 | $ 132,000 |
| Cuyahoga, Ohio | 2 | $ 190,000 | $ 95,000 | $ 34,000 |
| Armstrong, Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 58,000 |
| Chester, Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 118,000 |
| Dauphin, Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 60,000 |
| Fayette, Pennsylvania | 2 | $ 470,000 | $ 235,000 | $ 81,000 |
| Lancaster, Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 49,000 |
| McKean, Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 50,000 |
| Northampton, Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 51,000 |
| Tioga, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 76,000 |
| York, Pennsylvania | 2 | $ 270,000 | $ 135,000 | $ 44,000 |
| Adams, Colorado | 1 | $ 355,000 | $ 355,000 | $ 109,000 |
| Arapahoe, Colorado | 1 | $ 285,000 | $ 285,000 | $ 51,000 |
| Delta, Colorado | 1 | $ 375,000 | $ 375,000 | $ 84,000 |
| El Paso, Colorado | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Fremont, Colorado | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
| Weld, Colorado | 1 | $ 225,000 | $ 225,000 | $ 44,000 |
| Citrus, Florida | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Duval, Florida | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Hillsborough, Florida | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Levy, Florida | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Manatee, Florida | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Marion, Florida | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Martin, Florida | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Palm Beach, Florida | 1 | $ 295,000 | $ 295,000 | $ 62,000 |
| Pasco, Florida | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Santa Rosa, Florida | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Sarasota, Florida | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Seminole, Florida | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| St. Lucie, Florida | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Taylor, Florida | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Calvert, Maryland | 1 | $ 165,000 | $ 165,000 | $ 151,000 |
| Cecil, Maryland | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Prince George's, Maryland | 1 | $ 515,000 | $ 515,000 | $ 166,000 |
| Atlantic, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Cape May, New Jersey | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Cumberland, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| Hudson, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Morris, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| Somerset, New Jersey | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Union, New Jersey | 1 | $ 265,000 | $ 265,000 | $ 79,000 |
| Bedford, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Carbon, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Clarion, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Clearfield, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Columbia, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Erie, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Fulton, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Huntingdon, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Jefferson, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| Lawrence, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Mercer, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Mifflin, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Perry, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Philadelphia, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Schuylkill, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Susquehanna, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Union, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| Warren, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Wayne, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Wyoming, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Unifirst Mortgage Corporation in 2018
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 | 315 | $58,455,000 | $185,000 | $565,000 | $77,000 | $816,000 |
| Cash-out Refinancing | 33 | $7,225,000 | $218,000 | $585,000 | $83,000 | $173,000 |
| Refinancing | 12 | $2,510,000 | $209,000 | $405,000 | $71,000 | $128,000 |
| Other Purpose | 1 | $425,000 | $425,000 | $425,000 | $159,000 | $159,000 |
| Home Improvement | 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 | 255 | $47,605,000 | $186,000 | $585,000 | $79,000 | $816,000 |
| Black or African American | 39 | $8,145,000 | $208,000 | $515,000 | $83,000 | $166,000 |
| Hispanic | 37 | $7,125,000 | $192,000 | $285,000 | $67,000 | $146,000 |
| Not Provided | 24 | $4,710,000 | $196,000 | $425,000 | $81,000 | $159,000 |
| Asian | 3 | $655,000 | $218,000 | $275,000 | $77,000 | $123,000 |
| American Indian or Alaskan Native | 2 | $290,000 | $145,000 | $165,000 | $47,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 218 | $38,610,000 | $177,000 | $515,000 | $73,000 | $191,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 110 | $23,080,000 | $209,000 | $585,000 | $90,000 | $816,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,585,000 | $242,000 | $565,000 | $78,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,340,000 | $134,000 | $255,000 | $55,000 | $77,000 |
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 | 258 | $49,930,000 | $193,000 | $585,000 | $76,000 | $294,000 |
| Application Withdrawn By Applicant | 55 | $10,355,000 | $188,000 | $425,000 | $93,000 | $816,000 |
| Application Denied By Financial Institution | 40 | $6,930,000 | $173,000 | $345,000 | $71,000 | $162,000 |
| Application Approved But Not Accepted | 5 | $775,000 | $155,000 | $205,000 | $80,000 | $175,000 |
| File Closed For Incompleteness | 3 | $625,000 | $208,000 | $265,000 | $85,000 | $153,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 321 | $61,685,000 | $192,000 | $585,000 | $79,000 | $816,000 |
| Credit History | 18 | $3,300,000 | $183,000 | $345,000 | $74,000 | $162,000 |
| Collateral | 9 | $1,345,000 | $149,000 | $275,000 | $74,000 | $118,000 |
| Debt-To-Income Ratio | 5 | $665,000 | $133,000 | $225,000 | $43,000 | $63,000 |
| Other | 4 | $820,000 | $205,000 | $345,000 | $83,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $800,000 | $200,000 | $345,000 | $76,000 | $128,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Unifirst Mortgage Corporation's 2018 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 Unifirst Mortgage Corporation'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.
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