Pennsylvania
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 526,005
Total Mortgage Loan Application Amount $96,719,270,000
Average Mortgage Loan Application Amount $183,000
Highest Mortgage Loan Application Amount $99,999,000
Average Applicant Income $84,000
Highest Applicant Income $9,999,000
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Mortgage Loan Application Detail Totals for Pennsylvania in 2016

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 244,661 $46,168,339,000 $188,000 $99,999,000 $84,000 $9,999,000
Home Purchase 225,466 $46,048,233,000 $204,000 $99,999,000 $84,000 $8,500,000
Home Improvement 55,878 $4,502,698,000 $80,000 $54,000,000 $83,000 $9,999,000

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 363,609 $63,399,255,000 $174,000 $99,999,000 $93,000 $9,999,000
Not Provided 50,333 $9,236,284,000 $183,000 $47,216,000 $97,000 $9,999,000
Not applicable 47,252 $13,761,209,000 $291,000 $99,999,000 $13,000 $2,220,000
Black or African American 28,978 $3,733,196,000 $128,000 $10,001,000 $60,000 $7,880,000
Hispanic 17,938 $2,490,137,000 $138,000 $2,332,000 $62,000 $2,431,000
Asian 15,751 $3,762,894,000 $238,000 $2,500,000 $115,000 $6,180,000
American Indian or Alaskan Native 1,415 $209,948,000 $148,000 $1,000,000 $73,000 $1,250,000
Native Hawaiin or Other Pacific Islander 729 $126,347,000 $173,000 $1,680,000 $83,000 $840,000

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) 367,571 $70,101,931,000 $190,000 $99,999,000 $101,000 $9,999,000
FHA-insured (Federal Housing Administration) 112,057 $17,661,803,000 $157,000 $73,641,000 $43,000 $6,029,000
VA-guaranteed (Veterans Administration) 37,402 $7,723,343,000 $206,000 $2,000,000 $54,000 $3,960,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8,975 $1,232,193,000 $137,000 $514,000 $38,000 $220,000

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 273,334 $52,238,242,000 $191,000 $99,999,000 $95,000 $9,999,000
Application Denied By Financial Institution 95,252 $13,843,323,000 $145,000 $99,999,000 $74,000 $9,999,000
Loan Purchased By The Institution 69,065 $13,373,760,000 $193,000 $60,550,000 $48,000 $6,180,000
Application Withdrawn By Applicant 52,079 $10,685,792,000 $205,000 $99,999,000 $92,000 $9,999,000
File Closed For Incompleteness 21,530 $3,866,085,000 $179,000 $99,999,000 $84,000 $9,999,000
Application Approved But Not Accepted 14,743 $2,711,624,000 $183,000 $36,500,000 $90,000 $8,500,000
Preapproval Denied by Financial Institution 2 $444,000 $222,000 $284,000 $47,000 $76,000
Preapproval Approved but not Accepted 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 17,012 $1,410,973,000 $82,000 $73,641,000 $66,000 $9,999,000
Debt-To-Income Ratio 13,389 $1,796,182,000 $134,000 $11,600,000 $56,000 $4,498,000
Collateral 11,559 $1,941,428,000 $167,000 $15,000,000 $95,000 $9,999,000
Credit Application Incomplete 6,489 $1,151,177,000 $177,000 $9,500,000 $86,000 $2,815,000
Other 4,591 $670,492,000 $146,000 $11,865,000 $80,000 $2,968,000
Insufficient Cash (Downpayment, Closing Cost) 1,528 $252,730,000 $165,000 $2,280,000 $77,000 $1,070,000
Unverifiable Information 1,401 $226,054,000 $161,000 $1,680,000 $85,000 $1,554,000
Employment History 833 $111,661,000 $134,000 $742,000 $55,000 $410,000
Mortgage Insurance Denied 40 $7,153,000 $178,000 $388,000 $80,000 $334,000
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Mortgage Loan Application Totals in 2016 by Pennsylvania Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 31,915 $ 5,784,251,000 $ 181,000 $ 78,000
ALTOONA, PA 4,217 $ 533,098,000 $ 126,000 $ 62,000
BLOOMSBURG-BERWICK, PA 2,908 $ 377,199,000 $ 129,000 $ 71,000
CHAMBERSBURG-WAYNESBORO, PA 7,074 $ 1,085,795,000 $ 153,000 $ 62,000
EAST STROUDSBURG, PA 9,232 $ 1,410,419,000 $ 152,000 $ 79,000
ERIE, PA 8,999 $ 1,077,032,000 $ 119,000 $ 72,000
GETTYSBURG, PA 5,206 $ 878,582,000 $ 168,000 $ 70,000
HARRISBURG-CARLISLE, PA 25,989 $ 4,373,529,000 $ 168,000 $ 76,000
JOHNSTOWN, PA 3,892 $ 370,350,000 $ 95,000 $ 64,000
LANCASTER, PA 21,051 $ 3,782,478,000 $ 179,000 $ 74,000
LEBANON, PA 5,779 $ 892,449,000 $ 154,000 $ 68,000
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 102,488 $ 27,142,928,000 $ 264,000 $ 113,000
PHILADELPHIA, PA 83,178 $ 17,379,292,000 $ 208,000 $ 82,000
PITTSBURGH, PA 97,452 $ 15,356,911,000 $ 157,000 $ 85,000
READING, PA 16,794 $ 2,754,456,000 $ 164,000 $ 72,000
SCRANTON--WILKES-BARRE--HAZLETON, PA 18,617 $ 2,279,160,000 $ 122,000 $ 70,000
STATE COLLEGE, PA 4,853 $ 1,030,588,000 $ 212,000 $ 91,000
WILLIAMSPORT, PA 3,593 $ 491,156,000 $ 136,000 $ 70,000
YORK-HANOVER, PA 22,178 $ 3,616,632,000 $ 163,000 $ 68,000
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Mortgage Loan Application Totals in 2016 by Pennsylvania County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adams 5,213 $ 879,240,000 $ 168,000 $ 70,000
Allegheny 51,732 $ 8,495,967,000 $ 164,000 $ 90,000
Armstrong 1,983 $ 209,907,000 $ 105,000 $ 66,000
Beaver 6,954 $ 914,841,000 $ 131,000 $ 68,000
Bedford 1,745 $ 210,256,000 $ 120,000 $ 57,000
Berks 16,803 $ 2,755,029,000 $ 163,000 $ 72,000
Blair 4,222 $ 533,447,000 $ 126,000 $ 62,000
Bradford 2,128 $ 243,873,000 $ 114,000 $ 66,000
Bucks 33,555 $ 8,627,344,000 $ 257,000 $ 106,000
Butler 9,233 $ 1,750,297,000 $ 189,000 $ 95,000
Cambria 3,896 $ 370,538,000 $ 95,000 $ 64,000
Cameron 108 $ 7,327,000 $ 67,000 $ 63,000
Carbon 2,965 $ 364,780,000 $ 123,000 $ 68,000
Centre 4,855 $ 1,030,681,000 $ 212,000 $ 91,000
Chester 27,778 $ 7,805,655,000 $ 281,000 $ 123,000
Clarion 816 $ 81,076,000 $ 99,000 $ 68,000
Clearfield 2,276 $ 219,056,000 $ 96,000 $ 63,000
Clinton 1,261 $ 159,676,000 $ 126,000 $ 65,000
Columbia 2,302 $ 281,957,000 $ 122,000 $ 66,000
Crawford 2,523 $ 252,129,000 $ 99,000 $ 64,000
Cumberland 12,218 $ 2,224,521,000 $ 182,000 $ 81,000
Dauphin 11,710 $ 1,873,919,000 $ 160,000 $ 73,000
Delaware 25,032 $ 5,504,407,000 $ 219,000 $ 98,000
Elk 967 $ 87,305,000 $ 90,000 $ 60,000
Erie 9,010 $ 1,077,376,000 $ 119,000 $ 72,000
Fayette 4,026 $ 419,050,000 $ 104,000 $ 63,000
Forest 120 $ 9,343,000 $ 77,000 $ 70,000
Franklin 7,079 $ 1,086,242,000 $ 153,000 $ 62,000
Fulton 395 $ 53,914,000 $ 136,000 $ 61,000
Greene 1,102 $ 115,816,000 $ 105,000 $ 74,000
Huntingdon 1,258 $ 155,232,000 $ 123,000 $ 66,000
Indiana 1,997 $ 211,122,000 $ 105,000 $ 62,000
Jefferson 1,137 $ 100,324,000 $ 88,000 $ 54,000
Juniata 792 $ 88,668,000 $ 111,000 $ 67,000
Lackawanna 7,156 $ 921,536,000 $ 128,000 $ 73,000
Lancaster 21,087 $ 3,784,566,000 $ 179,000 $ 74,000
Lawrence 2,749 $ 308,262,000 $ 112,000 $ 60,000
Lebanon 5,787 $ 892,825,000 $ 154,000 $ 68,000
Lehigh 15,071 $ 2,838,866,000 $ 188,000 $ 79,000
Luzerne 10,383 $ 1,229,418,000 $ 118,000 $ 68,000
Lycoming 3,597 $ 491,387,000 $ 136,000 $ 70,000
McKean 805 $ 65,635,000 $ 81,000 $ 64,000
Mercer 3,475 $ 377,396,000 $ 108,000 $ 65,000
Mifflin 1,218 $ 118,219,000 $ 97,000 $ 60,000
Monroe 9,254 $ 1,413,285,000 $ 152,000 $ 79,000
Montgomery 41,182 $ 10,713,763,000 $ 260,000 $ 112,000
Montour 607 $ 95,269,000 $ 156,000 $ 90,000
Northampton 13,891 $ 2,582,158,000 $ 185,000 $ 80,000
Northumberland 2,397 $ 255,561,000 $ 106,000 $ 62,000
Perry 2,071 $ 275,728,000 $ 133,000 $ 64,000
Philadelphia 58,150 $ 11,876,195,000 $ 204,000 $ 76,000
Pike 3,781 $ 549,146,000 $ 145,000 $ 83,000
Potter 542 $ 52,793,000 $ 97,000 $ 66,000
Schuylkill 3,975 $ 456,352,000 $ 114,000 $ 61,000
Snyder 752 $ 103,200,000 $ 137,000 $ 65,000
Somerset 2,400 $ 256,813,000 $ 107,000 $ 77,000
Sullivan 260 $ 37,161,000 $ 142,000 $ 95,000
Susquehanna 1,450 $ 183,824,000 $ 126,000 $ 78,000
Tioga 1,363 $ 169,238,000 $ 124,000 $ 67,000
Union 1,118 $ 182,390,000 $ 163,000 $ 91,000
Venango 1,240 $ 106,373,000 $ 85,000 $ 60,000
Warren 1,076 $ 91,972,000 $ 85,000 $ 61,000
Washington 9,051 $ 1,578,510,000 $ 174,000 $ 87,000
Wayne 2,539 $ 384,967,000 $ 151,000 $ 87,000
Westmoreland 14,503 $ 1,990,648,000 $ 137,000 $ 74,000
Wyoming 1,087 $ 128,795,000 $ 118,000 $ 69,000
York 22,187 $ 3,617,237,000 $ 163,000 $ 68,000
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