Potter County, PA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 527 mortgage applications in Potter County, PA totaling $46.5 million, up 1% from 2010. The average application was for $88,000, and applicants reported an average income of $68,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was Northwest Bank, with 183 applications, followed by Citizens & Northern Bank and Wells Fargo Bank NA.
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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 | 527 |
| Total Mortgage Loan Application Amount | $46,532,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $324,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $848,000 |
* 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 |
|---|---|---|---|---|
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,174,829,000 | 183 | $ 12,471,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,306,012,000 | 71 | $ 5,845,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 32 | $ 3,714,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 21 | $ 2,515,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 13 | $ 1,501,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 11 | $ 1,063,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,645,703,000 | 10 | $ 541,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 499,868,000 | 9 | $ 549,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 8 | $ 709,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 8 | $ 456,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,419,722,000 | 7 | $ 396,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 7 | $ 798,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 872,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 5 | $ 342,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 5 | $ 366,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 532,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 4 | $ 455,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 384,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 537,000 |
| Northwest Consumer Discount Co., Inc. 151B PITTSBURGH ROAD BUTLER, PA 16003 |
* | $ 8,148,155,000 | 4 | $ 64,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 339,179,000 | 3 | $ 185,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 427,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 484,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 458,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 3 | $ 366,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 464,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 195,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 152,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 109,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 192,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17604 |
* | $ 14,042,078,000 | 2 | $ 342,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 2 | $ 207,000 |
| Acre Mortgage & Financial, Inc. 70 EAST MAIN STREET MARLTON, NJ 08053 |
* | $ 10,000,000 | 2 | $ 236,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 1,393,159,000 | 2 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 2 | $ 225,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 2 | $ 449,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 313,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 122,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 2 | $ 288,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 2 | $ 110,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 315,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 2 | $ 245,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 2 | $ 194,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 832,744,000 | 2 | $ 220,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 1,011,752,000 | 1 | $ 120,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,240,280,000 | 1 | $ 137,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 698,690,000 | 1 | $ 64,000 |
| Allentown 1325 OXFORD DR ALLENTOWN, PA 18103 |
* | $ 45,363,000 | 1 | $ 81,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 20,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 137,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 115,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 1 | $ 87,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 75,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 682,208,000 | 1 | $ 95,000 |
| Devon Bank 6445 N WESTERN AVENUE CHICAGO, IL 60645 |
* | $ 287,120,000 | 1 | $ 56,000 |
| Metro Bank 3801 PAXTON STREET HARRISBURG, PA 17111 |
* | $ 2,228,997,000 | 1 | $ 67,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,778,147,000 | 1 | $ 100,000 |
| Traditions Bank 226 PAULINE DRIVE YORK, PA 17402 |
* | $ 238,546,000 | 1 | $ 200,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 69,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 54,000 |
| Bank of Manhattan 2141 ROSECRANS AVENUE SUITE 1100 EL SEGUNDO, CA 90245 |
* | $ 150,923,000 | 1 | $ 140,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,166,000 | 1 | $ 11,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 540,392,000 | 1 | $ 32,000 |
| Continental Bank 620 W. GERMANTOWN PIKE SUITE 350 PLYMOUTH MEETING, PA 19462 |
* | $ 515,013,000 | 1 | $ 143,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 235,051,000 | 1 | $ 65,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 48,000 |
| Universal Mortgage & Finance, Inc 3158 BRAVERTON STREET SUITE 204 EDGEWATER, MD 21037 |
* | $ 10,000,000 | 1 | $ 155,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,759,397,000 | 1 | $ 31,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 109,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Atlantic Pacific Mortgage Corporation 302 FELLOWSHIP ROAD, SUITE 110 MT. LAUREL, NJ 08054 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 1 | $ 129,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 89,000 |
| American Interbanc Mortgage, Llc. 4 PARK PLAZA #650 IRVINE, CA 92614 |
* | $ 6,512,000 | 1 | $ 113,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 76,586,967,000 | 1 | $ 82,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 247,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 151,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Mortgage America, Inc. 1100 BERKSHIRE BLVD WHITEHALL, PA 18052 |
* | $ 10,000,000 | 1 | $ 68,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 119,000 |
The tables below break down 2011 mortgage applications in Potter 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 Potter County, PA in 2011
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 | 285 | $27,811,000 | $97,000 | $312,000 | $72,000 | $848,000 |
| Home Purchase | 174 | $15,585,000 | $89,000 | $324,000 | $65,000 | $435,000 |
| Home Improvement | 68 | $3,136,000 | $46,000 | $225,000 | $60,000 | $244,000 |
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 | 457 | $39,186,000 | $85,000 | $324,000 | $70,000 | $848,000 |
| Not Provided | 52 | $5,333,000 | $102,000 | $312,000 | $69,000 | $182,000 |
| Not applicable | 15 | $1,748,000 | $116,000 | $324,000 | $13,000 | $88,000 |
| Black or African American | 2 | $205,000 | $102,000 | $172,000 | $103,000 | $119,000 |
| Hispanic | 1 | $60,000 | $60,000 | $60,000 | $33,000 | $33,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 434 | $36,505,000 | $84,000 | $324,000 | $74,000 | $848,000 |
| FHA-insured (Federal Housing Administration) | 75 | $7,977,000 | $106,000 | $274,000 | $42,000 | $119,000 |
| VA-guaranteed (Veterans Administration) | 16 | $1,842,000 | $115,000 | $204,000 | $46,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $208,000 | $104,000 | $104,000 | $41,000 | $41,000 |
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 | 280 | $24,201,000 | $86,000 | $324,000 | $77,000 | $848,000 |
| Application Denied By Financial Institution | 120 | $9,258,000 | $77,000 | $257,000 | $56,000 | $216,000 |
| Application Withdrawn By Applicant | 57 | $5,814,000 | $102,000 | $274,000 | $67,000 | $226,000 |
| Loan Purchased By The Institution | 38 | $4,340,000 | $114,000 | $324,000 | $53,000 | $569,000 |
| Application Approved But Not Accepted | 20 | $1,779,000 | $88,000 | $260,000 | $60,000 | $168,000 |
| File Closed For Incompleteness | 12 | $1,140,000 | $95,000 | $225,000 | $59,000 | $111,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 37 | $2,155,000 | $58,000 | $204,000 | $51,000 | $122,000 |
| Debt-To-Income Ratio | 21 | $1,544,000 | $73,000 | $175,000 | $46,000 | $153,000 |
| Collateral | 15 | $1,463,000 | $97,000 | $200,000 | $69,000 | $216,000 |
| Other | 6 | $377,000 | $62,000 | $132,000 | $71,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $381,000 | $190,000 | $229,000 | $119,000 | $196,000 |
| Credit Application Incomplete | 2 | $216,000 | $108,000 | $166,000 | $54,000 | $82,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $15,000 | $15,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $42,000 | $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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