Union County, PA Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,034 mortgage applications in Union County, PA totaling $153.9 million, up 9% from 2017. The average application was for $148,000, and applicants reported an average income of $99,000. 62% of applications resulted in an originated loan and 16% were denied. The most active lender was Mifflinburg Bank & Trust, with 116 applications, followed by Pennsylvania State Employees Credit Union 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 1,034
Total Mortgage Loan Application Amount $153,910,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $925,000
Average Applicant Income $99,000
Highest Applicant Income $1,353,000

Mortgage Company List for Lending in Union County, PA for 2018

* 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
Mifflinburg Bank & Trust
250 E. CHESTNUT STREET, PO BOX 186
MIFFLINBURG, PA 17844
* $ 421,463,000 116 $ 13,340,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 5,094,016,000 68 $ 4,980,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 31,211,939,000 65 $ 12,445,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 11,532,713,000 56 $ 9,770,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 46 $ 6,090,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,095,725,000 42 $ 6,670,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 38 $ 7,490,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 74,450,413,000 38 $ 4,110,000
Service 1st Federal Credit Uni
1985 MONTOUR BLVD PO BOX 159
DANVILLE, PA 17821
* $ 337,197,000 31 $ 3,385,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 23 $ 2,825,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ -1,000 19 $ 2,735,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 16 $ 2,530,000
Journey Bank
232 EAST ST. PO BOX 240
BLOOMSBURG, PA 17815
* $ 708,326,000 15 $ 3,735,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 14 $ 2,330,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 2,495,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 9,431,473,000 12 $ 3,030,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 12 $ 2,200,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ -1,000 12 $ 2,250,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 11 $ 2,095,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 11 $ 1,855,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 10 $ 1,810,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 1,033,282,000 10 $ 1,670,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 9 $ 1,565,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,610,000
Members Choice Financial Credit Union
230 WALNUT ST
DANVILLE, PA 17821
* $ 145,842,000 8 $ 1,290,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,190,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 8 $ 1,390,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 8 $ 1,560,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 7 $ 1,375,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 7 $ 1,355,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 7 $ 1,255,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 6 $ 1,080,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 660,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 6 $ 920,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 6 $ 900,000
The Muncy Bank and Trust Company
2 NORTH MAIN ST
MUNCY, PA 17756
* $ 427,434,000 6 $ 870,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 795,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 1,035,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 5 $ 645,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 1,359,874,000 5 $ 725,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 5 $ 195,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 655,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 715,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 5 $ 685,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 430,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 810,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 35,671,974,000 4 $ 300,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 500,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 600,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 4 $ 910,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,262,642,000 4 $ 330,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 285,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 3 $ 615,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 3 $ 305,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 3 $ 535,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 535,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 335,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 3 $ 515,000
Unb Bank
1 NORTH OAK STREET, PO BOX 367
MOUNT CARMEL, PA 17851
* $ 135,534,000 3 $ 325,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 3 $ 265,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 625,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 425,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 2,097,706,000 3 $ 265,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 395,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 380,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 2 $ 220,000
Gmh Mortgage Services LLC
625 W RIDGE PIKE STE 100; BUILDING C
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 350,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 350,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 3,784,144,000 2 $ 70,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 360,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 450,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 330,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 2 $ 420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 80,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 210,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 2 $ 310,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 480,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 240,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 320,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 215,000
Lyons National Bank
35 WILLIAM STREET
LYONS, NY 14489
* $ 1,031,930,000 1 $ 195,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 125,000
Spe
650 SCIENCE PARK ROAD
STATE COLLEGE, PA 16803
* $ 89,240,000 1 $ 35,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 445,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 105,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 105,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 155,000
Altoona First Savings Bank
203 N. LOGAN BOULEVARD
ALTOONA, PA 16602
* $ 218,751,000 1 $ 15,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 288,294,007,000 1 $ 265,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 145,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 20,030,342,000 1 $ 135,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 1 $ 15,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 175,000
Apci Federal Credit Union
PO BOX 20147
LEHIGH VALLEY, PA 18002
* $ 574,174,000 1 $ 185,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 85,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ -1,000 1 $ 185,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 1,897,908,000 1 $ 25,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 105,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 1 $ 195,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 385,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 235,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 225,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 1,151,205,000 1 $ 125,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 185,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 95,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 195,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 155,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 247,944,000 1 $ 85,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 145,000
County Savings Bank
10 POWHATTAN AVE
ESSINGTON, PA 19029
* $ 82,111,000 1 $ 255,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 1 $ 215,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 75,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 305,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 85,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 215,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,343,220,000 1 $ 125,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 7,038,696,000 1 $ 55,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 275,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 55,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 125,000
Residential Home Mortgage Corporation
53 FRONTAGE ROAD, SUITE 200
HAMPTON, NJ 08827
* $ -1,000 1 $ 195,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,528,090,000 1 $ 115,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 1 $ 85,000
Unifirst Mortgage Corporation
217 EISENHOWER BLVD
JOHNSTOWN, PA 15905
* $ -1,000 1 $ 165,000
Lancaster Mortgage Company
1794 OREGON PIKE
LANCASTER, PA 17601
* $ -1,000 1 $ 145,000
Americhoice Federal Credit Union
2175 BUMBLE BEE HOLLOW ROAD
MECHANICSBURG, PA 17055
* $ 175,838,000 1 $ 25,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ -1,000 1 $ 15,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,189,607,000 1 $ 235,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 2,748,891,000 1 $ 205,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,069,790,000 1 $ 105,000
First Keystone Community Bank
111 W FRONT ST
BERWICK, PA 18603
* $ 988,692,000 1 $ 185,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 1 $ 85,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 125,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 175,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 55,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 65,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ 1,170,354,000 1 $ 245,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 115,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 45,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 205,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 125,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 1 $ 385,000
Pennian Bank
2 NORTH MAIN STREET, P.O. BOX 96
MIFFLINTOWN, PA 17059
* $ 504,400,000 1 $ 65,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 205,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 165,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 1 $ 215,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 65,000
The Bryn Mawr Trust Company
801 LANCASTER AVE
BRYN MAWR, PA 19010
* $ 4,430,527,000 1 $ 55,000

The tables below break down 2018 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 2018

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 450 $84,710,000 $188,000 $925,000 $109,000 $1,353,000
Refinancing 211 $28,965,000 $137,000 $775,000 $100,000 $912,000
Cash-out Refinancing 159 $23,815,000 $149,000 $475,000 $67,000 $270,000
Other Purpose 106 $7,670,000 $72,000 $325,000 $106,000 $691,000
Home Improvement 105 $8,405,000 $80,000 $485,000 $102,000 $700,000
Not Applicable 3 $345,000 $115,000 $155,000 $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 858 $122,150,000 $142,000 $855,000 $95,000 $1,353,000
Not Provided 88 $14,400,000 $163,000 $705,000 $113,000 $750,000
Not applicable 50 $9,030,000 $180,000 $775,000 $0 $0
Asian 14 $3,930,000 $280,000 $925,000 $211,000 $525,000
Black or African American 9 $2,155,000 $239,000 $605,000 $192,000 $448,000
Hispanic 7 $1,415,000 $202,000 $615,000 $123,000 $480,000
American Indian or Alaskan Native 3 $255,000 $85,000 $185,000 $185,000 $500,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $25,000 $25,000

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) 787 $113,705,000 $144,000 $925,000 $110,000 $1,353,000
FHA-insured (Federal Housing Administration) 126 $18,200,000 $144,000 $295,000 $59,000 $158,000
VA-guaranteed (Veterans Administration) 102 $18,890,000 $185,000 $365,000 $68,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $3,115,000 $163,000 $265,000 $59,000 $91,000

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 643 $97,075,000 $150,000 $925,000 $108,000 $1,353,000
Application Denied By Financial Institution 166 $20,410,000 $122,000 $565,000 $85,000 $691,000
Application Withdrawn By Applicant 109 $17,135,000 $157,000 $685,000 $75,000 $503,000
Loan Purchased By The Institution 73 $13,785,000 $188,000 $445,000 $99,000 $216,000
File Closed For Incompleteness 26 $3,340,000 $128,000 $305,000 $86,000 $350,000
Application Approved But Not Accepted 17 $2,165,000 $127,000 $355,000 $112,000 $497,000
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
Not applicable 741 $118,815,000 $160,000 $925,000 $106,000 $1,353,000
Debt-To-Income Ratio 167 $19,835,000 $118,000 $475,000 $76,000 $292,000
Collateral 50 $6,050,000 $121,000 $565,000 $94,000 $607,000
Credit Application Incomplete 28 $3,240,000 $115,000 $265,000 $82,000 $263,000
Credit History 28 $2,910,000 $103,000 $245,000 $126,000 $691,000
Other 16 $2,520,000 $157,000 $245,000 $72,000 $117,000
Unverifiable Information 2 $160,000 $80,000 $125,000 $64,000 $85,000
Employment History 1 $155,000 $155,000 $155,000 $53,000 $53,000
Insufficient Cash (Downpayment, Closing Cost) 1 $225,000 $225,000 $225,000 $68,000 $68,000
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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