Warren County, PA Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,863 mortgage applications in Warren County, PA totaling $128.4 million, down 25% from 2007. The average application was for $68,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 33% were denied. The most active lender was Northwest Bank, with 612 applications, followed by Beneficial Company LLC and National City 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 | 1,863 |
| Total Mortgage Loan Application Amount | $128,416,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $7,238,000 |
* 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 |
|---|---|---|---|---|
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 6,719,063,000 | 612 | $ 35,982,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 260 | $ 21,047,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 168 | $ 9,936,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 66 | $ 3,250,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 124,782,289,000 | 65 | $ 3,221,000 |
| Cnb Bank 1 S SECOND STREET CLEARFIELD, PA 16830 |
* | $ 835,766,000 | 61 | $ 3,868,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 52 | $ 4,507,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 51 | $ 4,687,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 48 | $ 3,842,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 39 | $ 2,747,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 32 | $ 3,437,000 |
| Wells Fargo Fin'l Pennsylvania 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 21 | $ 1,673,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 19 | $ 1,246,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 18 | $ 1,669,000 |
| Waterfield Bank 6903 ROCKLEDGE DRIVE, SUITE 525 BETHESDA, MD 20817 |
* | $ 160,020,000 | 17 | $ 1,028,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 15 | $ 1,262,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 5,911,677,000 | 15 | $ 595,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 14 | $ 1,535,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 11 | $ 592,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 11 | $ 782,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 10 | $ 583,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ 2,958,520,000 | 10 | $ 696,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 721,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 9 | $ 869,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 766,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 8 | $ 768,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 775,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 7 | $ 791,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 7 | $ 567,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 7 | $ 602,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 7 | $ 601,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 6 | $ 82,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 6 | $ 385,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 6 | $ 520,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 6 | $ 423,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ 10,000,000 | 6 | $ 434,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 5 | $ 250,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 419,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 5 | $ 700,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 4 | $ 309,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 4 | $ 392,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 4 | $ 182,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 4 | $ 303,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 280,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 421,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 425,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 3 | $ 148,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 3 | $ 134,000 |
| Popular Housing Services 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 11,000,000 | 3 | $ 327,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 3 | $ 180,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 3 | $ 103,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 4,679,552,000 | 3 | $ 95,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 42,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 134,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 266,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 2 | $ 121,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 179,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 258,853,000 | 2 | $ 24,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 84,701,123,000 | 2 | $ 113,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 51,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 111,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 2 | $ 51,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 2 | $ 76,000 |
| Agchoice Farm Credit Aca 300 WINDING CREEK BLVD MECHANICSBURG, PA 17050 |
* | $ 12,000,000 | 2 | $ 100,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 2 | $ 480,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 353,000 |
| Widget Federal Credit Union 2154 EAST LAKE RD ERIE, PA 16511 |
* | $ 147,938,000 | 2 | $ 11,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 84,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 1 | $ 43,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 646,551,000 | 1 | $ 138,000 |
| Clearview Federal Credit Union 8805 UNIVERSITY BLVD MOON TOWNSHIP, PA 15108 |
* | $ 600,034,000 | 1 | $ 75,000 |
| Adp FCU ONE ADP BLVD ROSELAND, NJ 07068 |
* | $ 55,770,000 | 1 | $ 128,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,055,075,000 | 1 | $ 245,000 |
| Seven Seventeen Credit Union 3181 LARCHMONT AVE. WARREN, OH 44483 |
* | $ 687,988,000 | 1 | $ 48,000 |
| All State Home Mortgage 26250 EUCLID AVE #901 EUCLID, OH 44132 |
* | $ 4,148,000 | 1 | $ 111,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 106,000 |
| Maverick Funding 1160 PARSIPPANY BOULEVARD, SUITE B PARSIPPANY, NJ 07054 |
* | $ 40,000,000 | 1 | $ 92,000 |
| Slm Financial Corporation 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 1 | $ 47,000 |
| US Mortgage Finance Corp 225 INTERNATIONAL CIRCLE, SUITE 102 HUNT VALLEY, MD 21030 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Precision Financial Inc 6800 JERICHO TURNPIKE SUITE206E SYOSSET, NY 11791 |
* | $ 1,626,831,000 | 1 | $ 102,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Liberty Mortgage Corporation 3818 LIBERTY STREET ERIE, PA 16509 |
* | $ 10,000,000 | 1 | $ 68,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 67,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Equity Now Inc 215 LEXINGTON AVENUE, SUITE 1702 MAMARONECK, NY 10543 |
* | $ 10,000,000 | 1 | $ 284,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 1 | $ 75,000 |
| Urban Trust Bank 400 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 |
* | $ 49,099,000 | 1 | $ 80,000 |
| First Federal Savings Bank P.O. BOX 369, DONNER AT SIXTH STREET MONESSEN, PA 15062 |
* | $ 305,396,000 | 1 | $ 65,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 1 | $ 86,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER PITTSBURGH, PA 15222 |
* | $ 5,385,936,000 | 1 | $ 20,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 86,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 5,821,495,000 | 1 | $ 135,000 |
| Henry State Bank 700 SECOND ST HENRY, IL 61537 |
* | $ 82,490,000 | 1 | $ 74,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 152,203,000 | 1 | $ 53,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 58,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 70,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 176,011,000 | 1 | $ 52,000 |
| Reliance Savings Bank 1119 12TH ST ALTOONA, PA 16602 |
* | $ 328,957,000 | 1 | $ 47,000 |
| Marquette Savings Bank 920 PEACH STREET ERIE, PA 16501 |
* | $ 486,805,000 | 1 | $ 235,000 |
| Citizens Bank of Pennsylvania 1701 JOHN F. KENNEDY BOULEVARD PHILADELPHIA, PA 19103 |
* | $ 39,643,178,000 | 1 | $ 57,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 175,107,526,000 | 1 | $ 36,000 |
| Wells Fargo Fin'l Cred Serv Ny 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 138,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 502,565,000 | 1 | $ 59,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 118,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 91,000 |
| Orrstown Bank 4750 LINDLE RD HARRISBURG, PA 17111 |
* | $ 882,139,000 | 1 | $ 117,000 |
| Dnb First, National Association 4 BRANDYWINE AVE DOWNINGTOWN, PA 19335 |
* | $ 545,529,000 | 1 | $ 40,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 5,797,315,000 | 1 | $ 2,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 5,182,343,000 | 1 | $ 26,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 75,000 |
The tables below break down 2008 mortgage applications in Warren 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 Warren County, PA in 2008
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 | 1,074 | $77,868,000 | $72,000 | $700,000 | $55,000 | $570,000 |
| Home Purchase | 529 | $40,515,000 | $76,000 | $388,000 | $67,000 | $7,238,000 |
| Home Improvement | 260 | $10,033,000 | $38,000 | $505,000 | $53,000 | $382,000 |
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 | 1,551 | $106,743,000 | $68,000 | $505,000 | $55,000 | $570,000 |
| Not Provided | 228 | $14,860,000 | $65,000 | $300,000 | $60,000 | $287,000 |
| Not applicable | 52 | $3,649,000 | $70,000 | $176,000 | $145,000 | $7,238,000 |
| Hispanic | 15 | $1,193,000 | $79,000 | $196,000 | $49,000 | $85,000 |
| American Indian or Alaskan Native | 11 | $1,343,000 | $122,000 | $700,000 | $37,000 | $58,000 |
| Black or African American | 3 | $490,000 | $163,000 | $284,000 | $64,000 | $93,000 |
| Asian | 2 | $133,000 | $66,000 | $77,000 | $70,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $5,000 | $5,000 | $5,000 | $20,000 | $20,000 |
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) | 1,674 | $112,089,000 | $66,000 | $700,000 | $59,000 | $7,238,000 |
| FHA-insured (Federal Housing Administration) | 141 | $12,896,000 | $91,000 | $223,000 | $50,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $2,208,000 | $64,000 | $111,000 | $26,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,223,000 | $87,000 | $230,000 | $39,000 | $71,000 |
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 | 852 | $54,255,000 | $63,000 | $505,000 | $66,000 | $7,238,000 |
| Application Denied By Financial Institution | 623 | $44,250,000 | $71,000 | $700,000 | $50,000 | $570,000 |
| Application Withdrawn By Applicant | 176 | $14,363,000 | $81,000 | $295,000 | $61,000 | $180,000 |
| Application Approved But Not Accepted | 100 | $6,738,000 | $67,000 | $224,000 | $53,000 | $200,000 |
| Loan Purchased By The Institution | 84 | $6,535,000 | $77,000 | $247,000 | $30,000 | $150,000 |
| File Closed For Incompleteness | 27 | $2,156,000 | $79,000 | $194,000 | $56,000 | $140,000 |
| Preapproval Denied by Financial Institution | 1 | $119,000 | $119,000 | $119,000 | $33,000 | $33,000 |
| Preapproval Approved but not Accepted | 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 | 128 | $6,020,000 | $47,000 | $175,000 | $46,000 | $570,000 |
| Collateral | 84 | $6,735,000 | $80,000 | $388,000 | $60,000 | $386,000 |
| Debt-To-Income Ratio | 35 | $1,648,000 | $47,000 | $110,000 | $29,000 | $71,000 |
| Other | 15 | $1,005,000 | $67,000 | $200,000 | $44,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $882,000 | $80,000 | $300,000 | $80,000 | $180,000 |
| Credit Application Incomplete | 10 | $972,000 | $97,000 | $245,000 | $51,000 | $133,000 |
| Employment History | 5 | $331,000 | $66,000 | $84,000 | $37,000 | $47,000 |
| Mortgage Insurance Denied | 2 | $94,000 | $47,000 | $54,000 | $40,000 | $49,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $20,000 | $20,000 |
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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