Susquehanna County, PA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,296 mortgage applications in Susquehanna County, PA totaling $220.7 million, up 11% from 2024. The average application was for $170,000, and applicants reported an average income of $106,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Nbt Bank NA, with 113 applications, followed by Peoples Security Bank and Trust Company and Visions Federal 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 1,296
Total Mortgage Loan Application Amount $220,680,000
Average Mortgage Loan Application Amount $170,000
Highest Mortgage Loan Application Amount $1,255,000
Average Applicant Income $106,000
Highest Applicant Income $1,927,000

Mortgage Company List for Lending in Susquehanna County, PA for 2025

* 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
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ n/a 113 $ 14,225,000
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ n/a 110 $ 13,500,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ n/a 74 $ 7,990,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 62 $ 7,480,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ n/a 46 $ 6,350,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 45 $ 9,535,000
The Honesdale National Bank
38 NORTH FRANKIN STREET
WILKES BARRE, PA 18701
* $ n/a 41 $ 5,505,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ n/a 34 $ 7,550,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 30 $ 6,910,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 28 $ 5,910,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 28 $ 6,980,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 22 $ 3,990,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 20 $ 3,780,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ n/a 20 $ 3,140,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ n/a 20 $ 5,510,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 15 $ 3,245,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 15 $ 1,425,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 14 $ 1,760,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 14 $ 3,140,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 14 $ 3,150,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 14 $ 930,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 13 $ 2,245,000
Net Credit Union
119 MULBERRY STREET
SCRANTON, PA 18503
* $ n/a 13 $ 1,405,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 13 $ 3,385,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 12 $ 2,440,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 12 $ 2,560,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 3,645,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 11 $ 2,195,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ n/a 11 $ 1,305,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 10 $ 1,490,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 10 $ 1,970,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 715,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ n/a 9 $ 2,745,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 985,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 8 $ 1,010,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 8 $ 1,530,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 8 $ 1,180,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 8 $ 2,180,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 7 $ 1,725,000
P&G Mehoopany Employees FCU
15 LANE HILL ROAD
TUNKHANNOCK, PA 18657
* $ n/a 7 $ 885,000
The Dime Bank
820 CHURCH STREET
HONESDALE, PA 18431
* $ n/a 7 $ 715,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 1,045,000
Fidelity Deposit & Discount Bank
101 N BLAKELY ST
SCRANTON, PA 18512
* $ n/a 7 $ 725,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 7 $ 1,335,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 7 $ 1,495,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 6 $ 850,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 6 $ 1,080,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 6 $ 1,050,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 6 $ 870,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ n/a 5 $ 935,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 5 $ 545,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 5 $ 885,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 1,145,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 5 $ 255,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 4 $ 780,000
1st Priority Mortgage, Inc.
6000 SHERIDAN DRIVE
WILLIAMSVILLE, NY 14221
* $ n/a 4 $ 1,110,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 410,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 980,000
New Fed Mortgage Corp.
98 HIGH ST
DANVERS, MA 01923
* $ n/a 4 $ 700,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 3 $ 585,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 3 $ 805,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 3 $ 375,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 3 $ 715,000
Empower Federal Credit Union
1 MEMBER WAY
SYRACUSE, NY 13212
* $ n/a 3 $ 255,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 1,025,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 3 $ 545,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 3 $ 785,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 455,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 375,000
Police and Fire Federal Credit Union
901 ARCH ST
PHILADELPHIA, PA 19107
* $ n/a 3 $ 295,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ n/a 3 $ 1,025,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 945,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 765,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 3 $ 575,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 180,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 2 $ 700,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 490,000
Baycoast Mortgage Company, LLC
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 2 $ 330,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 360,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 2 $ 320,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 2 $ 180,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 2 $ 350,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ n/a 2 $ 690,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 310,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ n/a 2 $ 950,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ n/a 2 $ 200,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 2 $ 40,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 340,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 2 $ 1,070,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 2 $ 310,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ n/a 2 $ 130,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 505,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ n/a 1 $ 265,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 255,000
Sidney Federal Credit Union
42 UNION STREET
SIDNEY, NY 13838
* $ n/a 1 $ 115,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ n/a 1 $ 155,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 205,000
State Financial Network LLC
5 HILLMAN DR
CHADDS FORD, PA 19317
* $ n/a 1 $ 75,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 55,000
Penn East Federal Credit Union
411 7TH AVENUE
SCRANTON, PA 18503
* $ n/a 1 $ 65,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 105,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 245,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 265,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 295,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 145,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ n/a 1 $ 495,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 245,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 35,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 1 $ 365,000
Premium Mortgage Corporation
2541 MONROE AVE
ROCHESTER, NY 14618
* $ n/a 1 $ 75,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 255,000
Ingersoll-Rand Federal Credit Union
199 N MAIN STREET
ATHENS, PA 18810
* $ n/a 1 $ 105,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 305,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 95,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 525,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 1 $ 105,000
Tompkins Community Bank
THE COMMONS
ITHACA, NY 14850
* $ n/a 1 $ 85,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 1 $ 145,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 645,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ n/a 1 $ 15,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 1 $ 195,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 95,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 325,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 255,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 1 $ 165,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 215,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 1 $ 325,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 325,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ n/a 1 $ 375,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 85,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 35,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 375,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ n/a 1 $ 1,255,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ n/a 1 $ 245,000
Firstrust Savings Bank
1 WALNUT GROVE DRIVE
HORSHAM, PA 19044
* $ n/a 1 $ 85,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 155,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 255,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 295,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 835,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 225,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 315,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 205,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 135,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 1 $ 215,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ n/a 1 $ 145,000
Griffin Funding Inc.
2445 5TH AVE SUITE 401
SAN DIEGO, CA 92101
* $ n/a 1 $ 315,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 205,000
Citadel Federal Credit Union
520 EAGLEVIEW BLVD
EXTON, PA 19341
* $ n/a 1 $ 335,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 225,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 355,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 1 $ 235,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 1 $ 175,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 55,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ n/a 1 $ 105,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 555,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 295,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 1 $ 65,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 205,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 1 $ 305,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 55,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 205,000

The tables below break down 2025 mortgage applications in Susquehanna 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 Susquehanna County, PA in 2025

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 518 $117,800,000 $227,000 $1,255,000 $108,000 $1,250,000
Cash-out Refinancing 214 $38,260,000 $178,000 $705,000 $93,000 $553,000
Other Purpose 191 $17,245,000 $90,000 $455,000 $108,000 $840,000
Home Improvement 190 $15,620,000 $82,000 $755,000 $104,000 $1,927,000
Refinancing 182 $31,700,000 $174,000 $615,000 $115,000 $569,000
Not Applicable 1 $55,000 $55,000 $55,000 $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 1,012 $163,200,000 $161,000 $1,255,000 $104,000 $1,927,000
Not Provided 120 $22,280,000 $185,000 $835,000 $110,000 $1,250,000
Not applicable 102 $22,980,000 $225,000 $915,000 $127,000 $451,000
Hispanic 30 $5,450,000 $181,000 $505,000 $119,000 $476,000
Black or African American 13 $3,065,000 $235,000 $645,000 $105,000 $188,000
American Indian or Alaskan Native 10 $1,390,000 $139,000 $215,000 $58,000 $69,000
Asian 9 $2,315,000 $257,000 $525,000 $156,000 $501,000
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) 985 $150,235,000 $152,000 $1,255,000 $112,000 $1,927,000
FHA-insured (Federal Housing Administration) 170 $34,680,000 $204,000 $475,000 $78,000 $284,000
VA-guaranteed (Veterans Administration) 116 $31,240,000 $269,000 $545,000 $94,000 $223,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $4,525,000 $181,000 $275,000 $63,000 $94,000

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 716 $122,960,000 $171,000 $1,255,000 $113,000 $1,927,000
Application Denied By Financial Institution 239 $31,805,000 $133,000 $525,000 $83,000 $362,000
Application Withdrawn By Applicant 156 $31,290,000 $200,000 $835,000 $112,000 $569,000
Loan Purchased By The Institution 83 $19,275,000 $232,000 $915,000 $105,000 $451,000
File Closed For Incompleteness 67 $10,035,000 $149,000 $555,000 $99,000 $701,000
Application Approved But Not Accepted 32 $4,560,000 $142,000 $525,000 $82,000 $175,000
Preapproval Approved but not Accepted 3 $755,000 $251,000 $505,000 $106,000 $212,000
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 1,012 $179,570,000 $177,000 $1,255,000 $111,000 $1,927,000
Debt-To-Income Ratio 115 $19,945,000 $173,000 $685,000 $85,000 $298,000
Credit History 65 $6,235,000 $95,000 $355,000 $90,000 $260,000
Collateral 46 $6,600,000 $143,000 $515,000 $95,000 $362,000
Credit Application Incomplete 23 $3,705,000 $161,000 $505,000 $82,000 $207,000
Other 18 $2,210,000 $122,000 $325,000 $93,000 $247,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,455,000 $161,000 $295,000 $81,000 $152,000
Unverifiable Information 4 $610,000 $152,000 $305,000 $135,000 $226,000
Employment History 4 $350,000 $87,000 $155,000 $49,000 $82,000
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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