Potter County, PA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 412 mortgage applications in Potter County, PA totaling $36.6 million, down 22% from 2013. The average application was for $88,000, and applicants reported an average income of $64,000. 57% of applications resulted in an originated loan and 24% were denied. The most active lender was Northwest Bank, with 138 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 | 412 |
| Total Mortgage Loan Application Amount | $36,554,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $499,000 |
* 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 |
* | $ 7,904,949,000 | 138 | $ 10,196,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,224,369,000 | 51 | $ 4,633,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 18 | $ 1,797,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 4,119,052,000 | 13 | $ 953,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 514,388,000 | 12 | $ 759,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 7,068,834,000 | 10 | $ 291,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 840,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 614,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 920,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 5 | $ 940,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 432,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 540,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 661,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 4 | $ 341,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 518,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 4 | $ 333,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 513,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 4 | $ 420,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 358,000 |
| Aurora Financial Group Inc 301 HARPER DRIVE SUITE 110 MOORESTOWN, NJ 08057 |
* | $ 10,000,000 | 3 | $ 249,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 3 | $ 38,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 236,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 3 | $ 429,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 237,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 2 | $ 88,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 154,000 |
| Northwest Consumer Discount Co., Inc. 151B PITTSBURGH ROAD BUTLER, PA 16003 |
* | $ 8,148,155,000 | 2 | $ 16,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 206,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 415,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 2,521,789,000 | 2 | $ 81,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 325,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 2 | $ 290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 180,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 196,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 385,869,000 | 2 | $ 103,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 237,090,000 | 1 | $ 2,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,179,162,000 | 1 | $ 32,000 |
| Riverview Bank 200 FRONT STREET P. O. BOX B MARYSVILLE, PA 17053 |
* | $ 432,807,000 | 1 | $ 90,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 199,000 |
| The Farmers National Bank of Emlenton 612 MAIN STREET, PO DRAWER D EMLENTON, PA 16373 |
* | $ 524,287,000 | 1 | $ 60,000 |
| Widget Federal Credit Union 2154 EAST LAKE RD ERIE, PA 16511 |
* | $ 252,252,000 | 1 | $ 240,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,031,459,000 | 1 | $ 92,000 |
| Nba Credit Union 23 COMMERCE CIRCLE BRISTOL, PA 19007 |
* | $ 43,570,000 | 1 | $ 35,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 272,016,000 | 1 | $ 60,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 62,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 77,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 65,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 113,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 147,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 1 | $ 71,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 217,626,166,000 | 1 | $ 33,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 178,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17604 |
* | $ 18,381,407,000 | 1 | $ 48,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 50,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 143,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 195,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 132,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 185,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 4,000 |
| Ardent Federal Credit Union 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19102 |
* | $ 571,323,000 | 1 | $ 213,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 2,112,009,000 | 1 | $ 150,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 896,847,000 | 1 | $ 125,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 26,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 80,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 1 | $ 130,000 |
| Elderton State Bank 143 NORTH MAIN STREET, P.O. BOX 427 ELDERTON, PA 15736 |
* | $ 214,609,000 | 1 | $ 10,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 35,000 |
The tables below break down 2014 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 2014
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 | 195 | $18,164,000 | $93,000 | $350,000 | $57,000 | $499,000 |
| Home Purchase | 150 | $15,904,000 | $106,000 | $600,000 | $74,000 | $396,000 |
| Home Improvement | 67 | $2,486,000 | $37,000 | $165,000 | $60,000 | $122,000 |
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 | 335 | $29,181,000 | $87,000 | $356,000 | $65,000 | $499,000 |
| Not Provided | 57 | $4,873,000 | $85,000 | $330,000 | $67,000 | $396,000 |
| Not applicable | 13 | $1,834,000 | $141,000 | $600,000 | $12,000 | $168,000 |
| Hispanic | 3 | $383,000 | $127,000 | $207,000 | $93,000 | $104,000 |
| Asian | 2 | $126,000 | $63,000 | $72,000 | $38,000 | $40,000 |
| Black or African American | 2 | $157,000 | $78,000 | $82,000 | $60,000 | $69,000 |
| 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) | 324 | $27,177,000 | $83,000 | $600,000 | $69,000 | $499,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,882,000 | $101,000 | $276,000 | $46,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,159,000 | $121,000 | $186,000 | $52,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,336,000 | $95,000 | $168,000 | $39,000 | $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 | 233 | $19,343,000 | $83,000 | $600,000 | $68,000 | $396,000 |
| Application Denied By Financial Institution | 99 | $9,187,000 | $92,000 | $330,000 | $51,000 | $286,000 |
| Application Withdrawn By Applicant | 45 | $3,708,000 | $82,000 | $175,000 | $63,000 | $178,000 |
| Application Approved But Not Accepted | 12 | $1,345,000 | $112,000 | $252,000 | $81,000 | $250,000 |
| Loan Purchased By The Institution | 12 | $1,405,000 | $117,000 | $195,000 | $17,000 | $168,000 |
| File Closed For Incompleteness | 11 | $1,566,000 | $142,000 | $350,000 | $116,000 | $499,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 25 | $2,293,000 | $91,000 | $241,000 | $50,000 | $124,000 |
| Credit History | 25 | $2,302,000 | $92,000 | $330,000 | $66,000 | $286,000 |
| Debt-To-Income Ratio | 16 | $1,626,000 | $101,000 | $196,000 | $50,000 | $90,000 |
| Other | 4 | $292,000 | $73,000 | $110,000 | $26,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $100,000 | $43,000 | $48,000 |
| Credit Application Incomplete | 2 | $222,000 | $111,000 | $166,000 | $72,000 | $104,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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