Potter County, PA Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 449 mortgage applications in Potter County, PA totaling $50.9 million, down 24% from 2022. The average application was for $113,000, and applicants reported an average income of $92,000. 54% of applications resulted in an originated loan and 23% were denied. The most active lender was Northwest Bank, with 80 applications, followed by Citizens & Northern Bank and First Citizens Community Bank.
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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 | 449 |
| Total Mortgage Loan Application Amount | $50,875,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $667,000 |
* 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 |
* | $ 14,213,677,000 | 80 | $ 6,200,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 2,439,371,000 | 69 | $ 7,775,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 2,329,851,000 | 23 | $ 1,025,000 |
| The Juniata Valley Bank 1 S MAIN ST MIFFLINTOWN, PA 17059 |
* | $ 829,946,000 | 16 | $ 2,240,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 8,070,968,000 | 16 | $ 810,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 684,267,000 | 12 | $ 1,000,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 11 | $ 1,435,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 1,795,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 695,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 9 | $ 365,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 8 | $ 1,000,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 8 | $ 810,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 15,614,778,000 | 8 | $ 940,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,035,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 7 | $ 755,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 840,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ 7,207,694,000 | 6 | $ 990,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 950,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 690,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ -1,000 | 4 | $ 500,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 950,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 3 | $ 645,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 3 | $ 605,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 375,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 755,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 3 | $ 395,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 390,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 1,451,067,000 | 2 | $ 490,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 260,000 |
| Mortgage America, Inc. 1100 BERKSHIRE BLVD WHITEHALL, PA 18052 |
* | $ -1,000 | 2 | $ 260,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 400,000 |
| Citadel Federal Credit Union 520 EAGLEVIEW BLVD EXTON, PA 19341 |
* | $ 5,583,889,000 | 2 | $ 430,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 370,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 250,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 26,819,331,000 | 2 | $ 190,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 90,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 430,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 190,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 2 | $ 180,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 6,987,615,000 | 1 | $ 55,000 |
| The Ephrata National Bank 31 EAST MAIN STREET PO BOX 457 EPHRATA, PA 17522 |
* | $ 1,856,294,000 | 1 | $ 335,000 |
| First Eagle Federal Credit Un 600 RED BROOK BLVD SUITE 350 OWINGS MILLS, MD 21117 |
* | $ 109,617,000 | 1 | $ 85,000 |
| Essa Bank & Trust 200 PALMER STREET STROUDSBURG, PA 18360 |
* | $ 1,921,729,000 | 1 | $ 95,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 345,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 195,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 1 | $ 45,000 |
| Ardent Federal Credit Union 1500 SPRING GARDEN ST. SUITE 500 PHILADELPHIA, PA 19102 |
* | $ 852,091,000 | 1 | $ 35,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 105,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 397,701,000 | 1 | $ 135,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 800,304,000 | 1 | $ 95,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 105,000 |
| Traditions Bank 226 PAULINE DRIVE YORK, PA 17402 |
* | $ 776,801,000 | 1 | $ 105,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 75,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 205,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 45,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 205,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 115,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 105,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 135,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ -1,000 | 1 | $ 235,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 105,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,776,999,000 | 1 | $ 65,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 385,000 |
| Homespire Mortgage Corporation FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 75,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 45,000 |
| Mifflinburg Bank & Trust 250 E. CHESTNUT STREET, PO BOX 186 MIFFLINBURG, PA 17844 |
* | $ 546,201,000 | 1 | $ 95,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 315,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 245,000 |
| Gold Credit Union 4703 HAMILTON BLVD ALLENTOWN, PA 18103 |
* | $ 155,871,000 | 1 | $ 285,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 25,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 45,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 65,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| Bellco Federal Credit Union 609 SPRING STREET WYOMISSING, PA 19610 |
* | $ 161,128,000 | 1 | $ 15,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 405,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 95,000 |
| ESL Federal Credit Union 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 9,158,466,000 | 1 | $ 25,000 |
| Greentree Mortgage Company, L.P. 2 EASTWICK DRIVE, SUITE 300 GIBBSBORO, NJ 08026 |
* | $ -1,000 | 1 | $ 105,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 75,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 2,247,746,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 145,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 1 | $ 65,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 135,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgagecountry 725 W SKIPPACK PIKE SUITE 340A BLUE BELL, PA 19422 |
* | $ -1,000 | 1 | $ 265,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ 381,812,000 | 1 | $ 95,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 1 | $ 75,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 65,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 115,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 75,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 95,000 |
The tables below break down 2023 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 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 | 213 | $31,945,000 | $149,000 | $645,000 | $104,000 | $667,000 |
| Other Purpose | 78 | $4,730,000 | $60,000 | $205,000 | $88,000 | $584,000 |
| Home Improvement | 69 | $4,355,000 | $63,000 | $375,000 | $83,000 | $236,000 |
| Cash-out Refinancing | 59 | $6,775,000 | $114,000 | $345,000 | $67,000 | $225,000 |
| Refinancing | 29 | $3,045,000 | $105,000 | $335,000 | $88,000 | $373,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 371 | $39,185,000 | $105,000 | $645,000 | $87,000 | $584,000 |
| Not Provided | 47 | $6,105,000 | $129,000 | $515,000 | $114,000 | $667,000 |
| Not applicable | 23 | $3,995,000 | $173,000 | $425,000 | $140,000 | $208,000 |
| Hispanic | 3 | $1,085,000 | $361,000 | $455,000 | $305,000 | $416,000 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $165,000 | $49,000 | $58,000 |
| Black or African American | 2 | $250,000 | $125,000 | $135,000 | $100,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $13,000 | $13,000 |
| 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) | 363 | $37,605,000 | $103,000 | $645,000 | $96,000 | $667,000 |
| FHA-insured (Federal Housing Administration) | 55 | $7,195,000 | $130,000 | $315,000 | $64,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 31 | $6,075,000 | $195,000 | $425,000 | $88,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 241 | $28,305,000 | $117,000 | $645,000 | $98,000 | $584,000 |
| Application Denied By Financial Institution | 102 | $8,970,000 | $87,000 | $395,000 | $83,000 | $667,000 |
| Application Withdrawn By Applicant | 59 | $7,405,000 | $125,000 | $605,000 | $87,000 | $261,000 |
| Loan Purchased By The Institution | 21 | $3,085,000 | $146,000 | $425,000 | $94,000 | $208,000 |
| File Closed For Incompleteness | 16 | $1,780,000 | $111,000 | $275,000 | $85,000 | $250,000 |
| Application Approved But Not Accepted | 9 | $1,195,000 | $132,000 | $275,000 | $71,000 | $126,000 |
| Preapproval Approved but not Accepted | 1 | $135,000 | $135,000 | $135,000 | $45,000 | $45,000 |
| 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 | 334 | $39,720,000 | $118,000 | $645,000 | $92,000 | $584,000 |
| Debt-To-Income Ratio | 45 | $5,025,000 | $111,000 | $605,000 | $92,000 | $373,000 |
| Credit History | 29 | $1,895,000 | $65,000 | $345,000 | $81,000 | $275,000 |
| Collateral | 28 | $3,030,000 | $108,000 | $395,000 | $107,000 | $667,000 |
| Other | 7 | $805,000 | $115,000 | $375,000 | $85,000 | $236,000 |
| Credit Application Incomplete | 3 | $185,000 | $61,000 | $125,000 | $100,000 | $127,000 |
| Unverifiable Information | 2 | $140,000 | $70,000 | $75,000 | $71,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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