Montour County, PA Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 904 mortgage applications in Montour County, PA totaling $181.9 million, up 21% from 2020. The average application was for $201,000, and applicants reported an average income of $138,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Journey Bank, with 89 applications, followed by Fulton Bank, National Association and Jersey Shore State Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 904
Total Mortgage Loan Application Amount $181,920,000
Average Mortgage Loan Application Amount $201,000
Highest Mortgage Loan Application Amount $1,785,000
Average Applicant Income $138,000
Highest Applicant Income $2,387,000

Mortgage Company List for Lending in Montour County, PA for 2021

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Journey Bank
232 EAST ST. PO BOX 240
BLOOMSBURG, PA 17815
* $ 738,419,000 89 $ 20,325,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 21,759,565,000 75 $ 17,375,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,231,268,000 46 $ 7,030,000
Service 1st Federal Credit Uni
1985 MONTOUR BLVD PO BOX 159
DANVILLE, PA 17821
* $ 428,515,000 44 $ 5,350,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 6,284,724,000 32 $ 4,320,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 8,288,367,000 31 $ 3,405,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 4,860,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 21 $ 4,585,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 4,050,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 18 $ 2,670,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ -1,000 18 $ 3,120,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 17 $ 2,755,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 2,470,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 14 $ 3,650,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 14 $ 4,380,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 13 $ 3,295,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ -1,000 12 $ 2,630,000
Susquehanna Community Bank
940 HIGH STREET
WEST MILTON, PA 17886
* $ -1,000 11 $ 3,465,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 2,010,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 10 $ 4,250,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 10 $ 3,650,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 9 $ 1,835,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,645,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 8 $ 2,090,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,590,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 490,000
First Keystone Community Bank
111 W FRONT ST
BERWICK, PA 18603
* $ 1,005,156,000 7 $ 2,055,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 7 $ 2,145,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 7 $ 1,145,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,155,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 6 $ 1,290,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 925,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 725,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 5 $ 745,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 600,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 4 $ 720,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 4 $ 490,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 4 $ 830,000
Agchoice Farm Credit Aca
300 WINDING CREEK BLVD
MECHANICSBURG, PA 17050
* $ -1,000 4 $ 1,000,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 740,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 4 $ 1,270,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 320,471,996,000 3 $ 1,335,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 765,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 3 $ 905,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 4,614,909,000 3 $ 375,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 3 $ 505,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 435,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 3 $ 525,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 3 $ 1,015,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 425,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 615,000
Homesale Mortgage
215 S. CENTERVILLE ROAD
LANCASTER, PA 17603
* $ -1,000 3 $ 625,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 3 $ 905,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 295,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 460,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 10,624,748,000 2 $ 680,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 2,749,196,000 2 $ 130,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 940,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 2 $ 430,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 520,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 2 $ 270,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 240,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 2 $ 420,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 420,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 520,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 2 $ 610,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 280,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 2 $ 160,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 450,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 180,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 2,474,885,000 2 $ 310,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 2 $ 430,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ -1,000 2 $ 370,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 90,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 2 $ 1,180,000
Mifflinburg Bank & Trust
250 E. CHESTNUT STREET, PO BOX 186
MIFFLINBURG, PA 17844
* $ 458,549,000 2 $ 100,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 2 $ 1,100,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 610,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 2 $ 380,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 500,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 8,747,957,000 2 $ 330,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 240,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 770,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 2 $ 460,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 210,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 110,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 320,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 560,000
The Muncy Bank and Trust Company
2 NORTH MAIN ST
MUNCY, PA 17756
* $ 489,424,000 1 $ 75,000
Palco Federal Credit Union
191 CHAD ROAD, PO BOX 330
MUNCY, PA 17756
* $ 80,939,000 1 $ 215,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 145,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 474,830,000 1 $ 45,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 375,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 85,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 195,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 215,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 1 $ 265,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 295,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,191,136,000 1 $ 45,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 215,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 505,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 155,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 115,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 235,000
Citadel Federal Credit Union
520 EAGLEVIEW BLVD
EXTON, PA 19341
* $ 3,777,482,000 1 $ 215,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 145,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 145,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 135,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 1 $ 415,000
Luzerne Bank
118 MAIN STREET
LUZERNE, PA 18709
* $ 453,131,000 1 $ 135,000
First Commonwealth Federal Cre
257 BRODHEAD ROAD
ALLENTOWN, PA 18106
* $ 781,905,000 1 $ 55,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 7,508,575,000 1 $ 45,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 245,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 45,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 225,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 285,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 265,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 465,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 105,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 145,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 1 $ 475,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 145,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,638,285,000 1 $ 265,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 155,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 235,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 475,000
Linkbank
32 W MARKET STREET
CAMP HILL, PA 17011
* $ 372,273,000 1 $ 165,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 135,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 1,465,405,000 1 $ 165,000
Level One Bank
32991 HAMILTON COURT
FARMINGTON HILLS, MI 48334
* $ 1,582,399,000 1 $ 355,000
Bay Capital Mortgage Corporation
801 COMPASS WAY
ANNAPOLIS, MD 21401
* $ -1,000 1 $ 305,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 155,000
The Dime Bank
820 CHURCH STREET
HONESDALE, PA 18431
* $ 732,108,000 1 $ 185,000
Peoplesbank, A Codorus Valley
105 LEADER HEIGHTS RD
YORK, PA 17403
* $ 1,883,140,000 1 $ 185,000
Lancaster Mortgage Company
1794 OREGON PIKE
LANCASTER, PA 17601
* $ -1,000 1 $ 295,000
The Honesdale National Bank
38 NORTH FRANKIN STREET
WILKES BARRE, PA 18701
* $ 705,414,000 1 $ 85,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 185,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 1 $ 145,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 1 $ 395,000
Riverview Bank
200 FRONT STREET P. O. BOX B
MARYSVILLE, PA 17053
* $ 1,080,138,000 1 $ 115,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 265,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 145,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 1 $ 305,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,381,624,000 1 $ 265,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 185,000
1st 2nd Mortgage Company of N.J., Inc.
50 SPRING ST
CRESSKILL, NJ 07626
* $ -1,000 1 $ 205,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,529,015,000 1 $ 35,000

The tables below break down 2021 mortgage applications in Montour County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Montour County, PA in 2021

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 359 $81,715,000 $227,000 $1,785,000 $157,000 $2,387,000
Refinancing 322 $63,520,000 $197,000 $845,000 $130,000 $730,000
Cash-out Refinancing 136 $29,510,000 $216,000 $675,000 $110,000 $914,000
Home Improvement 43 $3,175,000 $73,000 $325,000 $163,000 $972,000
Other Purpose 40 $3,450,000 $86,000 $505,000 $99,000 $373,000
Not Applicable 4 $550,000 $137,000 $195,000 $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 655 $125,615,000 $191,000 $1,115,000 $125,000 $1,198,000
Not Provided 123 $25,345,000 $206,000 $845,000 $154,000 $2,387,000
Not applicable 62 $13,820,000 $222,000 $1,785,000 $0 $0
Asian 38 $10,640,000 $280,000 $685,000 $280,000 $845,000
Hispanic 13 $1,955,000 $150,000 $365,000 $74,000 $189,000
Black or African American 7 $1,665,000 $237,000 $405,000 $147,000 $265,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 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) 721 $145,515,000 $201,000 $1,785,000 $146,000 $2,387,000
VA-guaranteed (Veterans Administration) 100 $23,110,000 $231,000 $585,000 $118,000 $824,000
FHA-insured (Federal Housing Administration) 62 $10,110,000 $163,000 $565,000 $59,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $3,185,000 $151,000 $305,000 $44,000 $67,000

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 572 $117,180,000 $204,000 $1,785,000 $143,000 $2,387,000
Application Withdrawn By Applicant 125 $25,945,000 $207,000 $1,115,000 $136,000 $972,000
Application Denied By Financial Institution 97 $17,175,000 $177,000 $575,000 $105,000 $726,000
File Closed For Incompleteness 50 $10,440,000 $208,000 $835,000 $137,000 $730,000
Loan Purchased By The Institution 45 $8,925,000 $198,000 $465,000 $206,000 $845,000
Application Approved But Not Accepted 15 $2,255,000 $150,000 $405,000 $105,000 $315,000
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 794 $161,190,000 $203,000 $1,355,000 $143,000 $2,387,000
Collateral 32 $6,320,000 $197,000 $495,000 $134,000 $561,000
Debt-To-Income Ratio 31 $6,475,000 $208,000 $1,785,000 $64,000 $179,000
Credit History 16 $2,160,000 $135,000 $245,000 $63,000 $124,000
Other 11 $2,485,000 $225,000 $575,000 $155,000 $584,000
Credit Application Incomplete 9 $1,355,000 $150,000 $425,000 $95,000 $185,000
Unverifiable Information 7 $995,000 $142,000 $215,000 $54,000 $76,000
Employment History 3 $765,000 $255,000 $445,000 $392,000 $726,000
Insufficient Cash (Downpayment, Closing Cost) 1 $175,000 $175,000 $175,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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