Tioga County, PA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,579 mortgage applications in Tioga County, PA totaling $154.3 million, down 2% from 2008. The average application was for $97,000, and applicants reported an average income of $60,000. 55% of applications resulted in an originated loan and 20% were denied. The most active lender was Citizens & Northern Bank, with 325 applications, followed by Northwest Bank and Embrace Home Loans, Inc..
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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 | 1,579 |
| Total Mortgage Loan Application Amount | $154,295,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $816,000 |
* 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 |
|---|---|---|---|---|
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,225,003,000 | 325 | $ 26,600,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 6,967,158,000 | 233 | $ 19,675,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 82 | $ 9,379,000 |
| Elmira Savings Bank, FSB 333 E WATER ST ELMIRA, NY 14901 |
* | $ 480,691,000 | 78 | $ 7,633,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 77 | $ 9,656,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 256,933,000 | 76 | $ 4,681,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 633,140,000 | 68 | $ 5,915,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 46 | $ 5,104,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 39 | $ 5,638,000 |
| Aurora Financial Group Inc 9 EVES DRIVE SUITE 190 MARLTON, NJ 08053 |
* | $ 10,000,000 | 28 | $ 4,193,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 27 | $ 3,425,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 23 | $ 2,493,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 23 | $ 2,509,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 22 | $ 2,289,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 835,011,000 | 22 | $ 1,224,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 21 | $ 915,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 20 | $ 1,659,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 19 | $ 1,919,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 15 | $ 2,109,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 14 | $ 1,926,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 14 | $ 1,907,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 14 | $ 1,979,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 13 | $ 1,241,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,277,495,000 | 12 | $ 942,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 12 | $ 1,704,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 11 | $ 100,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 10 | $ 974,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 10 | $ 1,416,000 |
| The Honesdale National Bank 38 NORTH FRANKIN STREET WILKES BARRE, PA 18701 |
* | $ 477,893,000 | 7 | $ 540,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 1,026,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 5 | $ 478,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 5,146,791,000 | 5 | $ 234,000 |
| First National Bank of Cc P.O. BOX 523 WEST CHESTER, PA 19381 |
* | $ 1,297,208,000 | 5 | $ 685,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 5 | $ 498,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 5 | $ 555,000 |
| Horizon Federal Credit Union 2849 REACH ROAD WILLIAMSPORT, PA 17701 |
* | $ 44,687,000 | 4 | $ 139,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 4 | $ 663,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 497,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 216,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 4 | $ 42,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,210,895,000 | 4 | $ 342,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17601 |
* | $ 13,406,718,000 | 4 | $ 454,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 715,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 4 | $ 409,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 3 | $ 53,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 3 | $ 116,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 3 | $ 393,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 77,029,703,000 | 3 | $ 401,000 |
| Univest National Bank & Trust 10 W. BROAD ST, PO BOX 64197 SOUDERTON,, PA 18964 |
* | $ 2,054,241,000 | 3 | $ 645,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 347,000 |
| Infinity Home Mortgage Co. Inc 7 CARNEGIE PLAZA, SUITE 200 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 3 | $ 361,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 3 | $ 685,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 412,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 3 | $ 404,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 1,536,880,000 | 3 | $ 167,000 |
| Citadel Federal Credit Union 520 EAGLEVIEW BLVD EXTON, PA 19341 |
* | $ 1,220,215,000 | 3 | $ 149,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 351,000 |
| Police and Fire Federal Credit Union 901 ARCH ST PHILADELPHIA, PA 19107 |
* | $ 2,942,759,000 | 2 | $ 124,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 191,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 742,924,000 | 2 | $ 410,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 2,147,378,000 | 2 | $ 203,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 2 | $ 308,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 183,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 197,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 101,632,075,000 | 2 | $ 228,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 2 | $ 53,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 442,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 643,302,000 | 2 | $ 205,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 2 | $ 288,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 385,000 |
| Ps Bank 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 210,568,000 | 2 | $ 208,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,373,887,000 | 1 | $ 48,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 115,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 75,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 185,045,000 | 1 | $ 56,000 |
| Reliance Savings Bank 1119 12TH ST ALTOONA, PA 16602 |
* | $ 335,378,000 | 1 | $ 55,000 |
| First Trust Bank of Illinois 275 E COURT ST KANKAKEE, IL 60901 |
* | $ 176,932,000 | 1 | $ 33,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 158,384,000 | 1 | $ 223,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 120,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 97,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 76,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 55,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 174,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 120,000 |
| First Federal of Bucks County 118 MILL ST BRISTOL, PA 19007 |
* | $ 552,937,000 | 1 | $ 155,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 96,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 204,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,334,333,000 | 1 | $ 251,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 93,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,306,865,000 | 1 | $ 37,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 861,531,000 | 1 | $ 65,000 |
| Harleysville National Bank 483 MAIN STREET HARLEYSVILLE, PA 19438 |
* | $ 5,478,061,000 | 1 | $ 48,000 |
| Fncb 102 EAST DRINKER ST DUNMORE, PA 18512 |
* | $ 1,313,425,000 | 1 | $ 138,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 9,164,828,000 | 1 | $ 174,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 62,905,000 | 1 | $ 220,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 72,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,346,289,000 | 1 | $ 66,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,127,000 | 1 | $ 65,000 |
| Riverview National Bank 200 FRONT STREET, P O BOX B MARYSVILLE, PA 17053 |
* | $ 139,958,000 | 1 | $ 166,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,610,571,000 | 1 | $ 147,000 |
| The Bryn Mawr Trust Company 801 LANCASTER AVE BRYN MAWR, PA 19010 |
* | $ 1,136,620,000 | 1 | $ 67,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 124,000 |
| Forward National Company Inc 300 EAST MAIN ST MILFORD, MA 01757 |
* | $ 336,774,000 | 1 | $ 19,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 90,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 117,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ 90,498,000 | 1 | $ 131,000 |
| Riverfront FCU 430 S 4TH ST WYOMISSING, PA 19610 |
* | $ 136,058,000 | 1 | $ 62,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 1,845,089,000 | 1 | $ 112,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 107,000 |
| Novartis Federal Credit Union 124 S RIDGEDALE AVE EAST HANOVER, NJ 07936 |
* | $ 99,615,000 | 1 | $ 136,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 167,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 78,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 169,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 504,801,000 | 1 | $ 20,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 108,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 210,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 215,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 148,000 |
The tables below break down 2009 mortgage applications in Tioga 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 Tioga County, PA in 2009
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 | 979 | $105,417,000 | $107,000 | $550,000 | $62,000 | $816,000 |
| Home Purchase | 422 | $41,931,000 | $99,000 | $417,000 | $61,000 | $427,000 |
| Home Improvement | 178 | $6,947,000 | $39,000 | $255,000 | $52,000 | $273,000 |
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 | 1,339 | $128,268,000 | $95,000 | $550,000 | $61,000 | $816,000 |
| Not Provided | 174 | $19,224,000 | $110,000 | $417,000 | $64,000 | $539,000 |
| Not applicable | 52 | $5,305,000 | $102,000 | $353,000 | $27,000 | $136,000 |
| American Indian or Alaskan Native | 5 | $411,000 | $82,000 | $135,000 | $104,000 | $170,000 |
| Hispanic | 5 | $487,000 | $97,000 | $167,000 | $31,000 | $55,000 |
| Black or African American | 2 | $470,000 | $235,000 | $417,000 | $235,000 | $427,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $93,000 | $93,000 | $93,000 | $47,000 | $47,000 |
| Asian | 1 | $37,000 | $37,000 | $37,000 | $30,000 | $30,000 |
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) | 1,262 | $119,125,000 | $94,000 | $550,000 | $65,000 | $816,000 |
| FHA-insured (Federal Housing Administration) | 254 | $28,794,000 | $113,000 | $276,000 | $43,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 43 | $4,718,000 | $109,000 | $204,000 | $50,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,658,000 | $82,000 | $118,000 | $23,000 | $48,000 |
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 | 867 | $80,344,000 | $92,000 | $550,000 | $65,000 | $539,000 |
| Application Denied By Financial Institution | 315 | $29,256,000 | $92,000 | $417,000 | $54,000 | $816,000 |
| Application Withdrawn By Applicant | 176 | $19,108,000 | $108,000 | $417,000 | $61,000 | $298,000 |
| Loan Purchased By The Institution | 138 | $16,833,000 | $121,000 | $353,000 | $45,000 | $250,000 |
| Application Approved But Not Accepted | 52 | $5,362,000 | $103,000 | $270,000 | $57,000 | $152,000 |
| File Closed For Incompleteness | 31 | $3,392,000 | $109,000 | $250,000 | $57,000 | $168,000 |
| 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 | 68 | $4,719,000 | $69,000 | $417,000 | $53,000 | $427,000 |
| Collateral | 34 | $4,838,000 | $142,000 | $300,000 | $76,000 | $184,000 |
| Debt-To-Income Ratio | 27 | $2,848,000 | $105,000 | $358,000 | $41,000 | $124,000 |
| Unverifiable Information | 7 | $551,000 | $78,000 | $140,000 | $173,000 | $816,000 |
| Other | 4 | $489,000 | $122,000 | $171,000 | $54,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $256,000 | $85,000 | $111,000 | $57,000 | $72,000 |
| Credit Application Incomplete | 3 | $734,000 | $244,000 | $354,000 | $96,000 | $105,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $23,000 | $23,000 |
| 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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