Union County, PA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,050 mortgage applications in Union County, PA totaling $205.6 million, up 21% from 2024. The average application was for $195,000, and applicants reported an average income of $131,000. 67% of applications resulted in an originated loan and 12% were denied. The most active lender was Service 1st Federal Credit Uni, with 121 applications, followed by Mifflinburg Bank & Trust and First National Bank of Pa.
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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 | 1,050 |
| Total Mortgage Loan Application Amount | $205,590,000 |
| Average Mortgage Loan Application Amount | $195,000 |
| Highest Mortgage Loan Application Amount | $1,635,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $2,251,000 |
* 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 |
|---|---|---|---|---|
| Service 1st Federal Credit Uni 1985 MONTOUR BLVD PO BOX 159 DANVILLE, PA 17821 |
* | $ n/a | 121 | $ 12,065,000 |
| Mifflinburg Bank & Trust 250 E. CHESTNUT STREET, PO BOX 186 MIFFLINBURG, PA 17844 |
* | $ n/a | 78 | $ 17,810,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 54 | $ 9,390,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 48 | $ 7,230,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ n/a | 44 | $ 4,440,000 |
| Susquehanna Community Bank 940 HIGH STREET WEST MILTON, PA 17886 |
* | $ n/a | 31 | $ 6,285,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ n/a | 29 | $ 8,795,000 |
| Mc Federal Credit Union 230 WALNUT ST DANVILLE, PA 17821 |
* | $ n/a | 26 | $ 2,560,000 |
| Journey Bank 232 EAST ST. PO BOX 240 BLOOMSBURG, PA 17815 |
* | $ n/a | 26 | $ 6,360,000 |
| Jersey Shore State Bank 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ n/a | 26 | $ 4,620,000 |
| Mc Federal Credit Union 230 WALNUT ST DANVILLE, PA 17821 |
* | $ n/a | 26 | $ 2,560,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ n/a | 22 | $ 3,060,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 19 | $ 3,885,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 18 | $ 4,200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 18 | $ 6,590,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 16 | $ 5,170,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 13 | $ 1,475,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 13 | $ 3,045,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ n/a | 12 | $ 2,300,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 12 | $ 3,130,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 11 | $ 835,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 10 | $ 2,750,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 10 | $ 1,610,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 10 | $ 530,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 10 | $ 1,210,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 2,345,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 9 | $ 2,635,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 9 | $ 1,755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 9 | $ 1,385,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 2,225,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 9 | $ 645,000 |
| Mortgage America, Inc. 1100 BERKSHIRE BLVD WHITEHALL, PA 18052 |
* | $ n/a | 8 | $ 1,870,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 1,420,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 8 | $ 2,160,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 2,510,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ n/a | 7 | $ 2,895,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 7 | $ 2,695,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 7 | $ 1,225,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 7 | $ 835,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 600,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 295,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 1,175,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 1,345,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 1,170,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 820,000 |
| First Heritage Financial LLC 2655 NESHAMINY INTERPLEX DR - STE 105 TREVOSE, PA 19053 |
* | $ n/a | 4 | $ 830,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 960,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 4 | $ 610,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 530,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 1,240,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 4 | $ 1,140,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 4 | $ 1,150,000 |
| Horizon Federal Credit Union 2849 REACH ROAD WILLIAMSPORT, PA 17701 |
* | $ n/a | 4 | $ 480,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 3 | $ 445,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 1,245,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 3 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 905,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 1,005,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 3 | $ 875,000 |
| The Ephrata National Bank 31 EAST MAIN STREET PO BOX 457 EPHRATA, PA 17522 |
* | $ n/a | 3 | $ 705,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 745,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 455,000 |
| Philadelphia Federal Credit Un 12800 TOWNSEND RD PHILADELPHIA, PA 19154 |
* | $ n/a | 3 | $ 105,000 |
| Unb Bank 1 NORTH OAK STREET, PO BOX 367 MOUNT CARMEL, PA 17851 |
* | $ n/a | 2 | $ 430,000 |
| Lancaster Mortgage Company 1794 OREGON PIKE LANCASTER, PA 17601 |
* | $ n/a | 2 | $ 720,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 760,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 310,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 620,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 2 | $ 670,000 |
| The Juniata Valley Bank 1 S MAIN ST MIFFLINTOWN, PA 17059 |
* | $ n/a | 2 | $ 390,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 2 | $ 320,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 2 | $ 570,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 390,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 170,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 440,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 560,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 2 | $ 1,250,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 350,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 2 | $ 210,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 170,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 270,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 90,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 630,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 1,170,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 2 | $ 670,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 780,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 100,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ n/a | 1 | $ 595,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 445,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 245,000 |
| Peoples Security Bank and Trust Company 100 SOUTH BLAKLEY STREET DUNMORE DUNMORE, PA 18512 |
* | $ n/a | 1 | $ 315,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 315,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ n/a | 1 | $ 255,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 265,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 375,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 355,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 185,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ n/a | 1 | $ 195,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 145,000 |
| Police and Fire Federal Credit Union 901 ARCH ST PHILADELPHIA, PA 19107 |
* | $ n/a | 1 | $ 55,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 315,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 565,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 215,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 305,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 285,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 295,000 |
| Reliant Home Funding, Inc 445 BROADHOLLOW RD SUITE 334 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 525,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 305,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 1 | $ 345,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 805,000 |
| Reliance Savings Bank 1119 12TH ST ALTOONA, PA 16602 |
* | $ n/a | 1 | $ 75,000 |
| Bison State Bank 223 MAIN ST BISON, KS 67520 |
* | $ n/a | 1 | $ 805,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 365,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 115,000 |
| Ameriserv Financial Bank 216 FRANKLIN ST JOHNSTOWN, PA 15901 |
* | $ n/a | 1 | $ 115,000 |
| Woodlands Bank 2450 EAST THIRD ST WILLIAMSPORT, PA 17701 |
* | $ n/a | 1 | $ 105,000 |
| Acnb Bank PO BOX 3129 GETTYSBURG, PA 17325 |
* | $ n/a | 1 | $ 595,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 1 | $ 365,000 |
| Community First Bank of Ind 201 W SYCAMORE ST KOKOMO, IN 46901 |
* | $ n/a | 1 | $ 365,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ n/a | 1 | $ 435,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 305,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 205,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 1 | $ 355,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 375,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 255,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 25,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 345,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 195,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 55,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 305,000 |
The tables below break down 2025 mortgage applications in Union 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 Union 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 | 443 | $125,335,000 | $282,000 | $1,635,000 | $163,000 | $2,251,000 |
| Refinancing | 166 | $31,170,000 | $187,000 | $745,000 | $118,000 | $755,000 |
| Other Purpose | 163 | $14,335,000 | $87,000 | $395,000 | $107,000 | $511,000 |
| Cash-out Refinancing | 143 | $23,305,000 | $162,000 | $565,000 | $100,000 | $911,000 |
| Home Improvement | 135 | $11,445,000 | $84,000 | $455,000 | $118,000 | $951,000 |
| 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 | 806 | $145,320,000 | $180,000 | $1,635,000 | $122,000 | $1,709,000 |
| Not Provided | 93 | $21,545,000 | $231,000 | $805,000 | $163,000 | $2,251,000 |
| Not applicable | 77 | $20,425,000 | $265,000 | $705,000 | $162,000 | $300,000 |
| Asian | 31 | $10,315,000 | $332,000 | $765,000 | $293,000 | $951,000 |
| Hispanic | 30 | $5,980,000 | $199,000 | $485,000 | $123,000 | $380,000 |
| Black or African American | 9 | $1,125,000 | $125,000 | $295,000 | $123,000 | $220,000 |
| American Indian or Alaskan Native | 4 | $880,000 | $220,000 | $485,000 | $131,000 | $232,000 |
| 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) | 898 | $165,880,000 | $184,000 | $1,635,000 | $137,000 | $2,251,000 |
| FHA-insured (Federal Housing Administration) | 93 | $21,115,000 | $227,000 | $495,000 | $84,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 58 | $18,420,000 | $317,000 | $725,000 | $110,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $45,000 | $45,000 |
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 | 702 | $140,810,000 | $200,000 | $1,635,000 | $138,000 | $2,251,000 |
| Application Denied By Financial Institution | 126 | $15,630,000 | $124,000 | $605,000 | $83,000 | $411,000 |
| Application Withdrawn By Applicant | 105 | $24,615,000 | $234,000 | $805,000 | $141,000 | $1,250,000 |
| Loan Purchased By The Institution | 52 | $13,640,000 | $262,000 | $705,000 | $162,000 | $300,000 |
| File Closed For Incompleteness | 37 | $6,145,000 | $166,000 | $595,000 | $128,000 | $610,000 |
| Application Approved But Not Accepted | 25 | $4,025,000 | $161,000 | $805,000 | $124,000 | $323,000 |
| Preapproval Approved but not Accepted | 2 | $500,000 | $250,000 | $285,000 | $187,000 | $197,000 |
| Preapproval Denied by Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $66,000 | $66,000 |
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 | 864 | $179,960,000 | $208,000 | $1,635,000 | $141,000 | $2,251,000 |
| Debt-To-Income Ratio | 96 | $14,040,000 | $146,000 | $525,000 | $86,000 | $331,000 |
| Credit History | 39 | $4,445,000 | $113,000 | $435,000 | $76,000 | $192,000 |
| Collateral | 26 | $3,800,000 | $146,000 | $605,000 | $93,000 | $195,000 |
| Credit Application Incomplete | 8 | $900,000 | $112,000 | $225,000 | $154,000 | $411,000 |
| Other | 8 | $710,000 | $88,000 | $175,000 | $73,000 | $157,000 |
| Unverifiable Information | 5 | $705,000 | $141,000 | $215,000 | $164,000 | $292,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,030,000 | $257,000 | $375,000 | $122,000 | $198,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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