Tioga County, PA Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,348 mortgage applications in Tioga County, PA totaling $156.9 million, about the same as 2011. The average application was for $116,000, and applicants reported an average income of $72,000. 63% of applications resulted in an originated loan and 18% were denied. The most active lender was Citizens & Northern Bank, with 372 applications, followed by Northwest Bank and Elmira Savings 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 | 1,348 |
| Total Mortgage Loan Application Amount | $156,882,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,106,000 |
* 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 |
* | $ 1,312,496,000 | 372 | $ 44,257,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 7,975,877,000 | 160 | $ 15,892,000 |
| Elmira Savings Bank 333 E WATER ST ELMIRA, NY 14901 |
* | $ 523,397,000 | 118 | $ 14,203,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 90 | $ 12,491,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 897,588,000 | 72 | $ 5,507,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ 365,376,000 | 62 | $ 4,903,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 34 | $ 3,396,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 3,827,077,000 | 23 | $ 2,084,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 19 | $ 2,392,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,213,554,000 | 18 | $ 1,206,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 16 | $ 1,911,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 14 | $ 2,100,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 13 | $ 1,953,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 11 | $ 651,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 10 | $ 1,299,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 10 | $ 1,156,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 9 | $ 1,053,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 9 | $ 1,057,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 9 | $ 1,342,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 8 | $ 931,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 8 | $ 1,104,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 882,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 7 | $ 1,066,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 7 | $ 791,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 838,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 753,288,000 | 7 | $ 674,000 |
| Police and Fire Federal Credit Union 901 ARCH ST PHILADELPHIA, PA 19107 |
* | $ 3,942,742,000 | 7 | $ 1,142,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 890,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 781,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 6,460,589,000 | 5 | $ 268,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 5 | $ 247,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 5 | $ 32,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 4 | $ 100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 735,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 541,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 231,000 |
| Susquehanna Bank 1570 MANHEIM PIKE PO BOX 3300 LANCASTER, PA 17604 |
* | $ 14,849,006,000 | 3 | $ 516,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 625,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 3 | $ 705,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 402,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 3 | $ 526,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 3 | $ 761,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 519,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ 3,040,695,000 | 3 | $ 330,000 |
| The Muncy Bank and Trust Company 2 NORTH MAIN ST MUNCY, PA 17756 |
* | $ 299,230,000 | 3 | $ 580,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 3 | $ 602,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 322,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 2 | $ 85,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 2 | $ 150,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 246,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 583,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 477,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 17,353,000 | 2 | $ 367,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 276,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 280,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 335,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 374,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 2 | $ 263,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 32,750,610,000 | 2 | $ 469,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 320,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 268,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 2 | $ 226,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 2 | $ 183,000 |
| Fnb Bank, National Association 630 MILL STREET DANVILLE, PA 17821 |
* | $ 387,250,000 | 2 | $ 809,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,558,535,000 | 1 | $ 37,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 8,395,863,000 | 1 | $ 109,000 |
| Canandaigua National Bank & Trust 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 1,726,940,000 | 1 | $ 323,000 |
| 3rd Fed Bank 3 PENNS TRAIL NEWTOWN, PA 18940 |
* | $ 682,401,000 | 1 | $ 80,000 |
| Southern Missouri Bank of Marshfield PO BOX M 1292 BANNING ST MARSHFIELD, MO 65706 |
* | $ 102,032,000 | 1 | $ 112,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 188,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 53,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 196,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 2,139,801,000 | 1 | $ 120,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 1 | $ 235,000 |
| M&T Real Estate Trust 701 SENECA STREET-SUITE 330N BUFFALO, NY 14210 |
* | $ 54,391,344,000 | 1 | $ 225,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 4,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 130,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 9,651,294,000 | 1 | $ 69,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 1 | $ 104,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 126,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 229,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 217,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 108,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 102,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 38,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 188,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 112,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Horizon Federal Credit Union 2849 REACH ROAD WILLIAMSPORT, PA 17701 |
* | $ 59,365,000 | 1 | $ 15,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 111,000 |
| Service 1st Federal Credit Uni 1985 MONTOUR BLVD PO BOX 159 DANVILLE, PA 17821 |
* | $ 185,980,000 | 1 | $ 39,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 1 | $ 45,000 |
| Mercantile Bank 200 NORTH 33RD ST QUINCY, IL 62305 |
* | $ 627,022,000 | 1 | $ 41,000 |
| Provident Bank 239 WASHINGTON STREET JERSEY CITY, NJ 07302 |
* | $ 7,097,514,000 | 1 | $ 123,000 |
| Community Bank 100 NORTH MARKET STREET CARMICHAELS, PA 15320 |
* | $ 533,540,000 | 1 | $ 110,000 |
| Nba Credit Union 23 COMMERCE CIRCLE BRISTOL, PA 19007 |
* | $ 42,210,000 | 1 | $ 70,000 |
| Qnb Bank P.O. BOX 9005 QUAKERTOWN, PA 18951 |
* | $ 864,808,000 | 1 | $ 500,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 240,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 1 | $ 55,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 87,000 |
| Sage Bank 18 HURD STREET LOWELL, MA 01852 |
* | $ 169,755,000 | 1 | $ 101,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 94,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 216,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 53,000 |
| Picatinny Federal Credit Union 100 MINERAL SPRINGS DRIVE DOVER, NJ 07801 |
* | $ 277,722,000 | 1 | $ 20,000 |
| Riverfront FCU 430 S 4TH ST WYOMISSING, PA 19610 |
* | $ 170,131,000 | 1 | $ 84,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ 2,081,614,000 | 1 | $ 48,000 |
| Valor Credit Union 315 FRANKLIN AVE SCRANTON, PA 18503 |
* | $ 156,181,000 | 1 | $ 40,000 |
| Tioga State Bank PO BOX 386 SPENCER, NY 14883 |
* | $ 385,339,000 | 1 | $ 104,000 |
| Woodlands Bank 2450 EAST THIRD ST WILLIAMSPORT, PA 17701 |
* | $ 313,644,000 | 1 | $ 61,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 289,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 1 | $ 127,000 |
| Belco Community Credit Union 449 EISENHOWER BLVD HARRISBURG, PA 17111 |
* | $ 372,632,000 | 1 | $ 31,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 105,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 113,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ 11,000,000 | 1 | $ 164,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 137,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 94,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 152,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 151,000 |
The tables below break down 2012 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 2012
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 | 765 | $90,997,000 | $118,000 | $650,000 | $70,000 | $1,106,000 |
| Home Purchase | 417 | $55,096,000 | $132,000 | $450,000 | $75,000 | $1,006,000 |
| Home Improvement | 166 | $10,789,000 | $64,000 | $387,000 | $70,000 | $750,000 |
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 | 1,200 | $140,331,000 | $116,000 | $650,000 | $73,000 | $1,106,000 |
| Not Provided | 97 | $10,430,000 | $107,000 | $355,000 | $64,000 | $600,000 |
| Not applicable | 31 | $3,886,000 | $125,000 | $400,000 | $9,000 | $107,000 |
| Hispanic | 9 | $1,126,000 | $125,000 | $276,000 | $95,000 | $272,000 |
| Asian | 4 | $507,000 | $126,000 | $144,000 | $124,000 | $215,000 |
| Black or African American | 4 | $178,000 | $44,000 | $130,000 | $89,000 | $129,000 |
| American Indian or Alaskan Native | 3 | $424,000 | $141,000 | $234,000 | $67,000 | $100,000 |
| 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) | 1,081 | $120,750,000 | $111,000 | $650,000 | $77,000 | $1,106,000 |
| FHA-insured (Federal Housing Administration) | 171 | $21,712,000 | $126,000 | $289,000 | $46,000 | $289,000 |
| VA-guaranteed (Veterans Administration) | 76 | $12,221,000 | $160,000 | $372,000 | $53,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,199,000 | $109,000 | $159,000 | $44,000 | $60,000 |
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 | 851 | $99,289,000 | $116,000 | $650,000 | $77,000 | $1,106,000 |
| Application Denied By Financial Institution | 240 | $25,933,000 | $108,000 | $404,000 | $60,000 | $506,000 |
| Application Withdrawn By Applicant | 122 | $16,091,000 | $131,000 | $480,000 | $70,000 | $600,000 |
| Loan Purchased By The Institution | 60 | $7,858,000 | $130,000 | $372,000 | $46,000 | $328,000 |
| Application Approved But Not Accepted | 54 | $5,132,000 | $95,000 | $352,000 | $72,000 | $483,000 |
| File Closed For Incompleteness | 21 | $2,579,000 | $122,000 | $302,000 | $50,000 | $101,000 |
| 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 | 52 | $5,006,000 | $96,000 | $244,000 | $61,000 | $289,000 |
| Debt-To-Income Ratio | 31 | $3,181,000 | $102,000 | $240,000 | $33,000 | $70,000 |
| Collateral | 31 | $4,935,000 | $159,000 | $404,000 | $96,000 | $506,000 |
| Other | 12 | $1,150,000 | $95,000 | $270,000 | $63,000 | $151,000 |
| Credit Application Incomplete | 7 | $824,000 | $117,000 | $229,000 | $81,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $332,000 | $110,000 | $175,000 | $36,000 | $44,000 |
| Unverifiable Information | 2 | $227,000 | $113,000 | $127,000 | $61,000 | $73,000 |
| Mortgage Insurance Denied | 1 | $38,000 | $38,000 | $38,000 | $100,000 | $100,000 |
| Employment History | 1 | $37,000 | $37,000 | $37,000 | $65,000 | $65,000 |
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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