Potter County, PA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 442 mortgage applications in Potter County, PA totaling $58.7 million, down 2% from 2023. The average application was for $132,000, and applicants reported an average income of $93,000. 56% of applications resulted in an originated loan and 22% were denied. The most active lender was Northwest Bank, with 75 applications, followed by Citizens & Northern Bank and Mortgage Research Center.
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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 | 442 |
| Total Mortgage Loan Application Amount | $58,740,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $858,000 |
* 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 |
* | $ n/a | 75 | $ 7,615,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 51 | $ 8,535,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 19 | $ 3,345,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ n/a | 19 | $ 1,315,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ n/a | 19 | $ 1,755,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 10 | $ 680,000 |
| The Juniata Valley Bank 1 S MAIN ST MIFFLINTOWN, PA 17059 |
* | $ n/a | 10 | $ 890,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 1,095,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ n/a | 9 | $ 1,515,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 2,180,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ n/a | 7 | $ 875,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ n/a | 6 | $ 440,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 570,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 880,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 705,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 545,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 825,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 555,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ n/a | 5 | $ 685,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ n/a | 5 | $ 695,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 4 | $ 190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 890,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 125,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 695,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 385,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ n/a | 3 | $ 325,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 3 | $ 195,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 415,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 3 | $ 405,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 325,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 195,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 565,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 320,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 2 | $ 310,000 |
| Mortgage America, Inc. 1100 BERKSHIRE BLVD WHITEHALL, PA 18052 |
* | $ n/a | 2 | $ 160,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ n/a | 2 | $ 480,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 2 | $ 480,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 320,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 2 | $ 90,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 260,000 |
| The Ephrata National Bank 31 EAST MAIN STREET PO BOX 457 EPHRATA, PA 17522 |
* | $ n/a | 2 | $ 220,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 410,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 370,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 210,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 400,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 90,000 |
| Journey Bank 232 EAST ST. PO BOX 240 BLOOMSBURG, PA 17815 |
* | $ n/a | 2 | $ 340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 230,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 175,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 1 | $ 115,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 1 | $ 395,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 55,000 |
| Midflorida Credit Union 3004 S FLORIDA AVE LAKELAND, FL 33801 |
* | $ n/a | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 205,000 |
| Empower Federal Credit Union 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ n/a | 1 | $ 95,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 235,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ n/a | 1 | $ 55,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 85,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 85,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 245,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 225,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 395,000 |
| Police and Fire Federal Credit Union 901 ARCH ST PHILADELPHIA, PA 19107 |
* | $ n/a | 1 | $ 115,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 405,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 115,000 |
| Citadel Federal Credit Union 520 EAGLEVIEW BLVD EXTON, PA 19341 |
* | $ n/a | 1 | $ 215,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 555,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ n/a | 1 | $ 165,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 85,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 65,000 |
| Service 1st Federal Credit Uni 1985 MONTOUR BLVD PO BOX 159 DANVILLE, PA 17821 |
* | $ n/a | 1 | $ 325,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 375,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 125,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 205,000 |
| Community State Bank of Orbisonia 478 RIDGLEY ST ORBISONIA, PA 17243 |
* | $ n/a | 1 | $ 65,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 145,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ n/a | 1 | $ 165,000 |
| Greentree Mortgage Company, L.P. 2 EASTWICK DRIVE, SUITE 300 GIBBSBORO, NJ 08026 |
* | $ n/a | 1 | $ 105,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 125,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 15,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 375,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 115,000 |
| Radius Financial Group Inc 600 LONGWATER DRIVE SUITE 107 NORWELL, MA 02061 |
* | $ n/a | 1 | $ 135,000 |
| Farmers National Bank 1 SOUTH MAIN STREET NILES, OH 44446 |
* | $ n/a | 1 | $ 145,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 115,000 |
The tables below break down 2024 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 2024
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 | 197 | $32,385,000 | $164,000 | $785,000 | $101,000 | $858,000 |
| Other Purpose | 79 | $5,655,000 | $71,000 | $285,000 | $85,000 | $519,000 |
| Cash-out Refinancing | 64 | $9,180,000 | $143,000 | $525,000 | $80,000 | $335,000 |
| Home Improvement | 63 | $5,435,000 | $86,000 | $375,000 | $96,000 | $274,000 |
| Refinancing | 39 | $6,085,000 | $156,000 | $405,000 | $87,000 | $383,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | $47,945,000 | $129,000 | $785,000 | $93,000 | $858,000 |
| Not Provided | 42 | $6,320,000 | $150,000 | $555,000 | $85,000 | $540,000 |
| Not applicable | 22 | $3,270,000 | $148,000 | $395,000 | $0 | $0 |
| Black or African American | 3 | $495,000 | $165,000 | $275,000 | $95,000 | $154,000 |
| Hispanic | 2 | $610,000 | $305,000 | $375,000 | $245,000 | $435,000 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $65,000 | $13,000 | $19,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 349 | $43,335,000 | $124,000 | $785,000 | $98,000 | $858,000 |
| FHA-insured (Federal Housing Administration) | 64 | $8,700,000 | $135,000 | $365,000 | $68,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 29 | $6,705,000 | $231,000 | $525,000 | $76,000 | $179,000 |
| 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 | 249 | $32,765,000 | $131,000 | $525,000 | $100,000 | $858,000 |
| Application Denied By Financial Institution | 99 | $11,925,000 | $120,000 | $405,000 | $70,000 | $435,000 |
| Application Withdrawn By Applicant | 52 | $8,280,000 | $159,000 | $785,000 | $104,000 | $573,000 |
| File Closed For Incompleteness | 17 | $1,665,000 | $97,000 | $385,000 | $82,000 | $190,000 |
| Loan Purchased By The Institution | 17 | $2,655,000 | $156,000 | $395,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $1,120,000 | $186,000 | $555,000 | $76,000 | $122,000 |
| Preapproval Approved but not Accepted | 2 | $330,000 | $165,000 | $175,000 | $84,000 | $101,000 |
| 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 | $45,940,000 | $137,000 | $785,000 | $100,000 | $858,000 |
| Debt-To-Income Ratio | 40 | $5,380,000 | $134,000 | $405,000 | $71,000 | $435,000 |
| Credit History | 24 | $2,390,000 | $99,000 | $305,000 | $85,000 | $218,000 |
| Collateral | 23 | $2,565,000 | $111,000 | $355,000 | $56,000 | $142,000 |
| Credit Application Incomplete | 7 | $1,115,000 | $159,000 | $405,000 | $75,000 | $100,000 |
| Other | 7 | $715,000 | $102,000 | $325,000 | $58,000 | $140,000 |
| Unverifiable Information | 4 | $300,000 | $75,000 | $145,000 | $71,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $135,000 | $91,000 | $120,000 |
| Employment History | 1 | $165,000 | $165,000 | $165,000 | $52,000 | $52,000 |
| 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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