Perry County, PA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,604 mortgage applications in Perry County, PA totaling $226.8 million, down 23% from 2022. The average application was for $141,000, and applicants reported an average income of $97,000. 57% of applications resulted in an originated loan and 21% were denied. The most active lender was Members 1st FCU, with 315 applications, followed by The Bank of Landisburg and Pennsylvania State Employees Credit Union.

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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 1,604
Total Mortgage Loan Application Amount $226,830,000
Average Mortgage Loan Application Amount $141,000
Highest Mortgage Loan Application Amount $725,000
Average Applicant Income $97,000
Highest Applicant Income $1,720,000

Mortgage Company List for Lending in Perry County, PA for 2023

* 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
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 6,987,615,000 315 $ 27,485,000
The Bank of Landisburg
P.O. BOX 179 100 N CARLISLE ST
LANDISBURG, PA 17040
* $ 364,726,000 143 $ 14,995,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 8,070,968,000 123 $ 9,615,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 59 $ 13,055,000
The Juniata Valley Bank
1 S MAIN ST
MIFFLINTOWN, PA 17059
* $ 829,946,000 56 $ 7,920,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,918,941,000 42 $ 5,060,000
Pennian Bank
2 NORTH MAIN STREET, P.O. BOX 96
MIFFLINTOWN, PA 17059
* $ 706,440,000 39 $ 6,035,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 37 $ 7,605,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 34 $ 2,050,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 32 $ 6,610,000
Belco Community Credit Union
449 EISENHOWER BLVD
HARRISBURG, PA 17111
* $ 935,545,000 27 $ 2,105,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 27 $ 2,255,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 23 $ 5,295,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 19 $ 3,835,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 19 $ 3,445,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 1,699,086,000 18 $ 2,940,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 18 $ 3,570,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ 4,481,008,000 17 $ 2,335,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 17 $ 2,125,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 17 $ 3,955,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 17 $ 4,105,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 16 $ 3,000,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 15 $ 3,485,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 2,965,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 15 $ 935,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 26,819,331,000 13 $ 1,695,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 2,975,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 12 $ 2,970,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 11 $ 2,305,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 10 $ 1,000,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 10 $ 760,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 10 $ 2,000,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 9 $ 2,135,000
Americhoice Federal Credit Union
2175 BUMBLE BEE HOLLOW ROAD
MECHANICSBURG, PA 17055
* $ 234,587,000 9 $ 585,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 9 $ 1,815,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 8 $ 380,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 8 $ 620,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 8 $ 1,670,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 7 $ 675,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ 7,207,694,000 7 $ 2,365,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 7 $ 1,765,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,030,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 6 $ 210,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,150,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 5 $ 1,025,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 915,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 965,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 185,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 9,106,184,000 5 $ 905,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 1,355,000
New Cumberland Office (Main)
345 LEWISBERRY RD
NEW CUMBERLAND, PA 17070
* $ 212,933,000 5 $ 205,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 975,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 1,856,294,000 5 $ 925,000
Cbm Mortgage, Inc.
912 HOMETOWN WAY
FRONT ROYAL, VA 22630
* $ -1,000 4 $ 950,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 4 $ 940,000
Homesale Mortgage
215 S. CENTERVILLE ROAD
LANCASTER, PA 17603
* $ -1,000 4 $ 800,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 270,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 810,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 1,340,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 1,190,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 4 $ 570,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 3 $ 345,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 185,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 435,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 776,801,000 3 $ 615,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 575,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 615,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 945,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ -1,000 3 $ 635,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ 2,487,272,000 3 $ 265,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 3 $ 915,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 515,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ -1,000 3 $ 415,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 3 $ 685,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 435,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 2,062,088,000 2 $ 620,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ -1,000 2 $ 500,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 2 $ 510,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 380,000
Lancaster Mortgage Company
1794 OREGON PIKE
LANCASTER, PA 17601
* $ -1,000 2 $ 620,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 620,000
Old Dominion National Bank
4916 PLANK RD
CHARLOTTESVILLE, VA 22903
* $ 1,031,054,000 2 $ 640,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 2 $ 110,000
Susquehanna Community Bank
940 HIGH STREET
WEST MILTON, PA 17886
* $ 552,795,000 2 $ 620,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 640,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 240,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 340,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 150,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 420,000
Peoplesbank, A Codorus Valley
105 LEADER HEIGHTS RD
YORK, PA 17403
* $ 2,192,138,000 2 $ 710,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ -1,000 2 $ 490,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 2 $ 430,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ -1,000 2 $ 410,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 205,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 1 $ 35,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 175,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 155,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 235,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 1 $ 55,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 170,957,000 1 $ 105,000
Municipal Credit Union
22 CORTLANDT STREET 29TH FLOOR
NEW YORK, NY 10007
* $ 4,219,232,000 1 $ 75,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 205,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 185,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 1 $ 665,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 235,000
Hershey Federal Credit Union
232 HERSHEY ROAD
HUMMELSTOWN, PA 17036
* $ 102,530,000 1 $ 45,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 365,000
Churchill Funding I LLC
3220 WILKINSON BLVD UNIT A4
CHARLOTTE, NC 28203
* $ -1,000 1 $ 115,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 355,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 85,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 255,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 115,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 195,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 235,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 535,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 175,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 95,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 265,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 495,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 115,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ 14,547,035,000 1 $ 255,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 1 $ 315,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 305,000
Jonestown Bank & Trust Co.
2 WEST MARKET ST
JONESTOWN, PA 17038
* $ 868,113,000 1 $ 105,000
Bank of Bird in Hand
309 NORTH RONKS ROAD
BIRD IN HAND, PA 17505
* $ 1,132,459,000 1 $ 255,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 145,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 1 $ 185,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 225,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 135,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 55,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 1,697,684,000 1 $ 65,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,247,746,000 1 $ 65,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 1 $ 195,000
Federated Mortgage Corp
1301 GRANDVIEW AVE SUITE #100
PITTSBURGH, PA 15211
* $ -1,000 1 $ 165,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 385,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ 1,294,758,000 1 $ 125,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ 1,000,648,000 1 $ 25,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 205,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 165,000
Nymeo Federal Credit Union
5210 CHAIRMANS COURT
FREDERICK, MD 21703
* $ 354,457,000 1 $ 365,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 235,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 1 $ 95,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 75,000
Acre Mortgage & Financial, Inc.
70 EAST MAIN STREET
MARLTON, NJ 08053
* $ -1,000 1 $ 185,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 1,350,198,000 1 $ 105,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 25,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 1 $ 105,000

The tables below break down 2023 mortgage applications in Perry 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 Perry County, PA in 2023

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 640 $133,500,000 $208,000 $725,000 $99,000 $1,292,000
Home Improvement 321 $18,385,000 $57,000 $545,000 $97,000 $1,720,000
Other Purpose 256 $16,130,000 $63,000 $505,000 $96,000 $492,000
Refinancing 202 $27,560,000 $136,000 $615,000 $104,000 $493,000
Cash-out Refinancing 181 $30,905,000 $170,000 $385,000 $88,000 $307,000
Not Applicable 4 $350,000 $87,000 $135,000 $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 1,324 $174,200,000 $131,000 $665,000 $96,000 $1,720,000
Not Provided 151 $24,795,000 $164,000 $505,000 $105,000 $496,000
Not applicable 87 $19,235,000 $221,000 $595,000 $70,000 $98,000
Hispanic 20 $3,480,000 $174,000 $345,000 $102,000 $316,000
Black or African American 14 $3,290,000 $235,000 $555,000 $89,000 $153,000
American Indian or Alaskan Native 4 $440,000 $110,000 $235,000 $87,000 $130,000
Asian 4 $1,390,000 $347,000 $725,000 $131,000 $270,000
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) 1,335 $165,705,000 $124,000 $725,000 $100,000 $1,720,000
FHA-insured (Federal Housing Administration) 157 $31,555,000 $200,000 $465,000 $76,000 $205,000
VA-guaranteed (Veterans Administration) 103 $28,315,000 $274,000 $595,000 $92,000 $267,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,255,000 $139,000 $205,000 $71,000 $100,000

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 916 $135,650,000 $148,000 $725,000 $103,000 $1,292,000
Application Denied By Financial Institution 335 $34,835,000 $103,000 $555,000 $80,000 $1,720,000
Application Withdrawn By Applicant 170 $25,790,000 $151,000 $565,000 $103,000 $1,056,000
Loan Purchased By The Institution 79 $18,195,000 $230,000 $595,000 $94,000 $152,000
File Closed For Incompleteness 56 $7,330,000 $130,000 $455,000 $99,000 $450,000
Application Approved But Not Accepted 48 $5,030,000 $104,000 $465,000 $93,000 $257,000
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 1,050 $165,030,000 $157,000 $725,000 $100,000 $1,056,000
Debt-To-Income Ratio 366 $42,340,000 $115,000 $625,000 $98,000 $1,720,000
Credit History 85 $7,565,000 $89,000 $425,000 $72,000 $249,000
Collateral 46 $5,870,000 $127,000 $485,000 $96,000 $300,000
Unverifiable Information 22 $2,260,000 $102,000 $355,000 $108,000 $260,000
Credit Application Incomplete 15 $1,485,000 $99,000 $315,000 $84,000 $130,000
Other 15 $1,705,000 $113,000 $235,000 $69,000 $192,000
Insufficient Cash (Downpayment, Closing Cost) 3 $325,000 $108,000 $165,000 $64,000 $80,000
Employment History 2 $250,000 $125,000 $235,000 $36,000 $42,000
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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