Tioga County, PA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,159 mortgage applications in Tioga County, PA totaling $156.2 million, about the same as 2023. The average application was for $134,000, and applicants reported an average income of $98,000. 60% of applications resulted in an originated loan and 18% were denied. The most active lender was Citizens & Northern Bank, with 229 applications, followed by First Heritage Federal Credit Union 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 | 1,159 |
| Total Mortgage Loan Application Amount | $156,155,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $2,540,000 |
* 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 |
* | $ n/a | 229 | $ 29,165,000 |
| First Heritage Federal Credit Union 110 VILLAGE SQUARE, SUITE 101 CORNING, NY 14830 |
* | $ n/a | 140 | $ 12,690,000 |
| First Citizens Community Bank 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ n/a | 67 | $ 8,615,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ n/a | 56 | $ 4,760,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 49 | $ 4,265,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 48 | $ 9,030,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 29 | $ 5,165,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ n/a | 29 | $ 2,455,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 21 | $ 3,925,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 19 | $ 1,715,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 18 | $ 1,260,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 17 | $ 2,765,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 17 | $ 3,535,000 |
| Univest Bank and Trust Co. PO BOX 197 SOUDERTON, PA 18964 |
* | $ n/a | 16 | $ 2,690,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 16 | $ 1,840,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 16 | $ 3,560,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ n/a | 15 | $ 1,155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 15 | $ 2,055,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ n/a | 13 | $ 1,875,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 11 | $ 2,045,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 10 | $ 1,630,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 1,465,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,355,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 7 | $ 1,545,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 6 | $ 1,390,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,400,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ n/a | 6 | $ 1,170,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 860,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 285,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 775,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 5 | $ 805,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 935,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 5 | $ 805,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ n/a | 5 | $ 435,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 520,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 4 | $ 570,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 4 | $ 1,040,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 4 | $ 640,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 730,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 625,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 55,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 315,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 525,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 915,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 345,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 3 | $ 415,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 285,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ n/a | 3 | $ 105,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 455,000 |
| Horizon Federal Credit Union 2849 REACH ROAD WILLIAMSPORT, PA 17701 |
* | $ n/a | 3 | $ 165,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 115,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 485,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 595,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 590,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 930,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 80,000 |
| Mortgage America, Inc. 1100 BERKSHIRE BLVD WHITEHALL, PA 18052 |
* | $ n/a | 2 | $ 610,000 |
| Paragon Home Loans, Inc. LIVERPOOL, NY 13088 |
* | $ n/a | 2 | $ 210,000 |
| Visions Federal Credit Union 3301 COUNTRY CLUB ROAD ENDICOTT, NY 13760 |
* | $ n/a | 2 | $ 140,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 2 | $ 120,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 2 | $ 80,000 |
| Service 1st Federal Credit Uni 1985 MONTOUR BLVD PO BOX 159 DANVILLE, PA 17821 |
* | $ n/a | 2 | $ 160,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 360,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 330,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 120,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 330,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 550,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 420,000 |
| Journey Bank 232 EAST ST. PO BOX 240 BLOOMSBURG, PA 17815 |
* | $ n/a | 2 | $ 130,000 |
| Chemung Canal Trust Company ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ n/a | 2 | $ 120,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 215,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 225,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ n/a | 1 | $ 65,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 75,000 |
| Woodlands Bank 2450 EAST THIRD ST WILLIAMSPORT, PA 17701 |
* | $ n/a | 1 | $ 155,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 65,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 145,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 385,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 255,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 95,000 |
| Tompkins Community Bank THE COMMONS ITHACA, NY 14850 |
* | $ n/a | 1 | $ 25,000 |
| Trumark Financial Credit Union 335 COMMERCE DRIVE FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 145,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 1 | $ 235,000 |
| The Ephrata National Bank 31 EAST MAIN STREET PO BOX 457 EPHRATA, PA 17522 |
* | $ n/a | 1 | $ 605,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 85,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 155,000 |
| Police and Fire Federal Credit Union 901 ARCH ST PHILADELPHIA, PA 19107 |
* | $ n/a | 1 | $ 155,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 125,000 |
| Servu Federal Credit Union 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ n/a | 1 | $ 55,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 185,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 345,000 |
| Belco Community Credit Union 449 EISENHOWER BLVD HARRISBURG, PA 17111 |
* | $ n/a | 1 | $ 75,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 185,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 335,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 95,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 345,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 125,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 305,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 145,000 |
| Linkbank 32 W MARKET STREET CAMP HILL, PA 17011 |
* | $ n/a | 1 | $ 545,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 285,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 145,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 335,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 245,000 |
| First Keystone Community Bank 111 W FRONT ST BERWICK, PA 18603 |
* | $ n/a | 1 | $ 55,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 85,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 135,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 245,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 275,000 |
| Ameriserv Financial Bank 216 FRANKLIN ST JOHNSTOWN, PA 15901 |
* | $ n/a | 1 | $ 345,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ n/a | 1 | $ 245,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 335,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 155,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 1 | $ 205,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 395,000 |
| Loanfront, LLC RED BANK, NJ 07701 |
* | $ n/a | 1 | $ 175,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 25,000 |
| Traditions Bank 226 PAULINE DRIVE YORK, PA 17402 |
* | $ n/a | 1 | $ 235,000 |
| Bond Street Mortgage, LLC 115 WEST CENTURY ROAD PARAMUS, NJ 07652 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2024 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 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 | 532 | $93,680,000 | $176,000 | $825,000 | $101,000 | $526,000 |
| Other Purpose | 222 | $14,370,000 | $64,000 | $605,000 | $98,000 | $1,560,000 |
| Home Improvement | 147 | $8,965,000 | $60,000 | $285,000 | $93,000 | $413,000 |
| Cash-out Refinancing | 133 | $22,535,000 | $169,000 | $435,000 | $106,000 | $2,540,000 |
| Refinancing | 125 | $16,605,000 | $132,000 | $565,000 | $81,000 | $302,000 |
| 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 | 944 | $120,870,000 | $128,000 | $825,000 | $95,000 | $1,560,000 |
| Not Provided | 100 | $15,480,000 | $154,000 | $605,000 | $131,000 | $2,540,000 |
| Not applicable | 81 | $15,045,000 | $185,000 | $605,000 | $0 | $0 |
| Hispanic | 14 | $1,770,000 | $126,000 | $255,000 | $96,000 | $243,000 |
| American Indian or Alaskan Native | 7 | $1,045,000 | $149,000 | $265,000 | $83,000 | $120,000 |
| Black or African American | 7 | $1,125,000 | $160,000 | $365,000 | $101,000 | $145,000 |
| Asian | 4 | $670,000 | $167,000 | $225,000 | $47,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $150,000 | $75,000 | $85,000 | $190,000 | $201,000 |
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) | 904 | $107,970,000 | $119,000 | $825,000 | $102,000 | $2,540,000 |
| FHA-insured (Federal Housing Administration) | 129 | $22,065,000 | $171,000 | $445,000 | $76,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 114 | $24,500,000 | $214,000 | $425,000 | $85,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,620,000 | $135,000 | $225,000 | $64,000 | $108,000 |
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 | 696 | $93,220,000 | $133,000 | $625,000 | $102,000 | $2,540,000 |
| Application Denied By Financial Institution | 205 | $22,105,000 | $107,000 | $825,000 | $87,000 | $1,560,000 |
| Application Withdrawn By Applicant | 133 | $20,685,000 | $155,000 | $545,000 | $93,000 | $451,000 |
| Loan Purchased By The Institution | 63 | $11,795,000 | $187,000 | $485,000 | $102,000 | $125,000 |
| File Closed For Incompleteness | 31 | $4,005,000 | $129,000 | $385,000 | $92,000 | $260,000 |
| Application Approved But Not Accepted | 29 | $3,835,000 | $132,000 | $425,000 | $101,000 | $342,000 |
| Preapproval Approved but not Accepted | 2 | $510,000 | $255,000 | $305,000 | $137,000 | $187,000 |
| 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 | 951 | $133,495,000 | $140,000 | $625,000 | $100,000 | $2,540,000 |
| Credit History | 70 | $6,000,000 | $85,000 | $305,000 | $94,000 | $1,560,000 |
| Debt-To-Income Ratio | 49 | $5,635,000 | $115,000 | $365,000 | $69,000 | $256,000 |
| Collateral | 45 | $5,245,000 | $116,000 | $825,000 | $98,000 | $393,000 |
| Other | 26 | $3,220,000 | $123,000 | $405,000 | $85,000 | $266,000 |
| Credit Application Incomplete | 9 | $1,265,000 | $140,000 | $385,000 | $112,000 | $252,000 |
| Unverifiable Information | 5 | $665,000 | $133,000 | $155,000 | $68,000 | $91,000 |
| Employment History | 3 | $535,000 | $178,000 | $225,000 | $42,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $70,000 | $70,000 |
| 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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