Wayne County PA
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Unlock detailed Wayne County PA mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Pennsylvania.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 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 | 2,539 |
| Total Mortgage Loan Application Amount | $384,967,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $5,325,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $2,400,000 |
* 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 |
|---|---|---|---|---|
| THE HONESDALE NATIONAL BANK 38 NORTH FRANKIN STREET HONESDALE, PA 18701 |
* | $ 604,618,000 | 237 | $ 33,119,000 |
| THE DIME BANK 820 CHURCH STREET HONESDALE, PA 18431 |
* | $ 612,675,000 | 204 | $ 33,218,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,610,580,000,000 | 144 | $ 22,759,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ 138,031,000 | 136 | $ 23,811,000 |
| WAYNE BANK 717 MAIN STREET HONESDALE, PA 18431 |
* | $ 749,348,000 | 130 | $ 16,812,000 |
| SUMMIT MORTGAGE CORPORATION 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 128 | $ 19,886,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 64 | $ 8,655,000 |
| NBT BANK, NATIONAL ASSOCIATION 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,198,830,000 | 59 | $ 5,137,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 53 | $ 8,564,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ 100,000,000 | 43 | $ 7,821,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ 10,000,000 | 42 | $ 6,182,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 41 | $ 6,175,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 348,291,098,000 | 40 | $ 4,436,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,639,305,000,000 | 40 | $ 8,126,000 |
| STEARNS LENDING, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 38 | $ 4,832,000 |
| FNCB BANK 102 E DRINKER STREET DUNMORE, PA 18512 |
* | $ 1,090,219,000 | 35 | $ 5,463,000 |
| FIRST NATIONAL BANK OF PENNSYLVANIA 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 17,379,124,000 | 34 | $ 4,767,000 |
| PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 34 | $ 5,461,000 |
| RESIDENTIAL MORTGAGE SERVICES, INC. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 33 | $ 4,824,000 |
| DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 27 | $ 3,771,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ 4,088,336,000 | 26 | $ 5,365,000 |
| FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 25 | $ 4,002,000 |
| CITIZENS SAVINGS BANK 500 S STATE ST CLARKS SUMMIT, PA 18411 |
* | $ 332,433,000 | 24 | $ 3,589,000 |
| EVERETT FINANCIAL, INC. 14801 QUORUM DRIVE, SUITE 300 AUSTIN, TX 75254 |
* | $ 3,642,000 | 23 | $ 2,982,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 20 | $ 2,580,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,299,801,000,000 | 19 | $ 2,535,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 19 | $ 3,150,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ 880,000,000 | 18 | $ 3,056,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ 10,000,000 | 17 | $ 2,481,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 16 | $ 3,701,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 16 | $ 2,124,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 2,031,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 15 | $ 2,398,000 |
| PENNSYLVANIA STATE EMPLOYEES CREDIT UNION PO BOX 67013 HARRISBURG, PA 17106 |
* | $ 4,487,443,000 | 15 | $ 1,031,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 15 | $ 1,442,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 205,125,538,000 | 14 | $ 2,633,000 |
| PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 14 | $ 2,311,000 |
| SUNTRUST BANK P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 14 | $ 827,000 |
| ESSA BANK & TRUST 200 PALMER STREET STROUDSBURG, PA 18360 |
* | $ 1,758,235,000 | 14 | $ 2,112,000 |
| RESIDENTIAL HOME FUNDING CORP. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 13 | $ 2,129,000 |
| COMMUNITY BANK, NATIONAL ASSOCIATION 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,494,486,000 | 13 | $ 815,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ 8,994,122,000 | 12 | $ 1,725,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ 10,000,000 | 11 | $ 1,438,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ 10,000,000 | 11 | $ 1,802,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 10 | $ 1,782,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ 945,758,000 | 10 | $ 1,014,000 |
| ADMIRALS BANK 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 10 | $ 256,000 |
| SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 10 | $ 1,892,000 |
| GOODLEAP, LLC 8781 SIERRA COLLEGE BLVD GLENDALE, CA 95661 |
* | $ 10,000,000 | 9 | $ 1,250,000 |
| THE FIDELITY DEPOSIT AND DISCOUNT BANK DRINKER & BLAKELY STREETS DUNMORE, PA 18512 |
* | $ 730,275,000 | 9 | $ 2,100,000 |
| BETHPAGE FEDERAL CREDIT UNION 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 6,247,752,000 | 8 | $ 1,485,000 |
| CAPITAL ONE, NATIONAL ASSOCIATION 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 8 | $ 1,065,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ 52,388,000 | 8 | $ 1,322,000 |
| PS BANK 42621 ROUTE 6 WYALUSING, PA 18853 |
* | $ 306,643,000 | 8 | $ 1,658,000 |
| HOMEWARD RESIDENTIAL, INC. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 7 | $ 1,252,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 13,649,486,000 | 7 | $ 1,386,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 246,485,756,000 | 7 | $ 691,000 |
| PEOPLES SECURITY BANK AND TRUST COMPANY 150 N WASHINGTON AVENUE HALLSTEAD, PA 18503 |
* | $ 1,812,910,000 | 7 | $ 863,000 |
| SANTANDER BANK, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 90,192,245,000 | 7 | $ 1,104,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ 10,000,000 | 7 | $ 965,000 |
| CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 WILMINGTON, DE 30328 |
* | $ 826,484,000 | 6 | $ 585,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 6 | $ 373,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 6 | $ 481,000 |
| UNIVEST BANK AND TRUST CO. PO BOX 197 SOUDERTON, PA 18964 |
* | $ 2,856,131,000 | 6 | $ 1,445,000 |
| WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 5 | $ 1,446,000 |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 700 EAST GATE DRIVE, SUITE 400 WILMINGTON, DE 08054 |
* | $ 4,464,000 | 5 | $ 778,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. WILMINGTON, DE 33146 |
* | $ 1,825,398,000 | 5 | $ 903,000 |
| PROSPECT MORTGAGE, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 5 | $ 731,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 122,099,687,000 | 5 | $ 606,000 |
| POLICE & FIRE 901 ARCH STREET PHILADELPHIA, PA 19107 |
* | $ 4,368,288,000 | 5 | $ 374,000 |
| BBMC MORTGAGE, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 5 | $ 785,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ 10,000,000 | 5 | $ 776,000 |
| NJ LENDERS CORP. 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ 10,000,000 | 5 | $ 706,000 |
| AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 5 | $ 271,000 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 AUSTIN, TX 75024 |
* | $ 10,000,000 | 4 | $ 783,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 764,000 |
| AFFINITY 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 08720 |
* | $ 2,401,537,000 | 4 | $ 991,000 |
| US MORTGAGE CORPORATION 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ 11,000,000 | 4 | $ 925,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 4 | $ 574,000 |
| NET 119 MULBERRY STREET SCRANTON, PA 18503 |
* | $ 179,160,000 | 4 | $ 345,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 4 | $ 264,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 4 | $ 578,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 85,747,508,000 | 4 | $ 155,000 |
| INVESTORS BANK 101 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 20,888,257,000 | 4 | $ 566,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 4 | $ 816,000 |
| FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 660,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 SACRAMENTO, CA 90703 |
* | $ 10,000,000 | 4 | $ 883,000 |
| VALOR CREDIT UNION 315 FRANKLIN AVE SCRANTON, PA 18503 |
* | $ 230,393,000 | 4 | $ 791,000 |
| NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 4 | $ 928,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 3 | $ 528,000 |
| MILEND, INC. 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30350 |
* | $ 10,000,000 | 3 | $ 658,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ 10,000,000 | 3 | $ 734,000 |
| FIRSTRUST SAVINGS BANK 1 WALNUT GROVE DRIVE CONSHOHOCKEN, PA 19044 |
* | $ 2,755,212,000 | 3 | $ 460,000 |
| PROVIDENT FUNDING ASSOCIATES, L.P. 851 TRAEGER AVENUE, SUITE 100 SACRAMENTO, CA 94066 |
* | $ 10,000,000 | 3 | $ 503,000 |
| CLIFFCO, INC. 1065 OLD COUNTRY ROAD, SUITE 204 WESTBURY, NY 11590 |
* | $ 10,000,000 | 3 | $ 345,000 |
| FIRSTBANK 11 CHANNING WAY NASHVILLE, TN 38305 |
* | $ 2,887,863,000 | 3 | $ 719,000 |
| UNITED MORTGAGE CORP. 25 MELVILLE PARK ROAD ALBANY, NY 11747 |
* | $ 10,000,000 | 3 | $ 425,000 |
| FM HOME LOANS, LLC 2329 NOSTRAND AVE, 3RD FLOOR TEANECK, NJ 11210 |
* | $ 10,000,000 | 3 | $ 401,000 |
| GREENTREE MORTGAGE COMPANY, L.P. 2 EASTWICK DRIVE, SUITE 300 WILMINGTON, DE 08026 |
* | $ 31,000,000 | 3 | $ 772,000 |
| PHH HOME LOANS, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 3 | $ 611,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ 11,000,000 | 3 | $ 371,000 |
| MORTGAGE NETWORK, INC. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 3 | $ 323,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ 10,000,000 | 2 | $ 543,000 |
| ABSOLUTE HOME MORTGAGE CORPORATION 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ 23,380,000 | 2 | $ 271,000 |
| INTERCONTINENTAL CAPITAL GROUP, INC 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 10,016,511,000 | 2 | $ 405,000 |
| UNITED SECURITY FINANCIAL CORP 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 2 | $ 516,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ 10,000,000 | 2 | $ 252,000 |
| NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 COLUMBUS, OH 44131 |
* | $ 4,410,000 | 2 | $ 284,000 |
| MORTGAGE AMERICA, INC. 1100 BERKSHIRE BLVD WHITEHALL, PA 19610 |
* | $ 10,000,000 | 2 | $ 261,000 |
| ALLIANCE FINANCIAL RESOURCES 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 233,000 |
| P & G MEHOOPANY EMPLOYEES FEDERAL CREDIT UNION 15 LANE HILL ROAD TUNKHANNOCK, PA 18657 |
* | $ 104,512,000 | 2 | $ 142,000 |
| INTELLILOAN, INC. 4 PARK PLAZA SUITE 800 ORANGE, CA 92614 |
* | $ 10,000,000 | 2 | $ 618,000 |
| 360 MORTGAGE GROUP, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 584,000 |
| FIRST CHOICE LOAN SERVICES INC. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 319,000 |
| JUSTICE FEDERAL CREDIT UNION 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 667,544,000 | 2 | $ 345,000 |
| TIAA-CREF TRUST COMPANY FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 3,519,033,000 | 2 | $ 291,000 |
| USALLIANCE FEDERAL CREDIT UNION 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,092,874,000 | 2 | $ 317,000 |
| FRANKLIN MINT 5 HILLMAN DRIVE CHADDS FORD TOWNSHIP, PA 19317 |
* | $ 917,249,000 | 2 | $ 385,000 |
| FIRST NIAGARA BANK 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 39,860,456,000 | 2 | $ 280,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 19,460,442,000 | 2 | $ 351,000 |
| HSBC BANK USA, NATIONAL ASSOCIATION 1800 TYSONS BLVD., SUITE 50 MCLEAN, VA 22102 |
* | $ 183,138,215,000 | 2 | $ 203,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 93,038,275,000 | 2 | $ 140,000 |
| SPERRY ASSOCIATES 2400 JERICHO TURNPIKE GARDEN CITY PARK, NY 11040 |
* | $ 247,451,000 | 2 | $ 299,000 |
| CITADEL FEDERAL CREDIT UNION 520 EAGLEVIEW BLVD EXTON, PA 19341 |
* | $ 2,433,630,000 | 2 | $ 821,000 |
| PENN EAST FEDERAL CREDIT UNION 441 N 7TH AVE SCRANTON, PA 18503 |
* | $ 145,382,000 | 2 | $ 256,000 |
| PICATINNY FEDERAL CREDIT UNION 100 MINERAL SPRINGS DRIVE DOVER, NJ 07801 |
* | $ 305,740,000 | 2 | $ 400,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 280,000 |
| MOVEMENT MORTGAGE, LLC 8024 CALVIN HALL ROAD WILMINGTON, DE 29707 |
* | $ 10,000,000 | 2 | $ 513,000 |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION ONE BELVEDERE PLACE WILMINGTON, DE 94941 |
* | $ 7,606,000 | 2 | $ 1,256,000 |
| GMH MORTGAGE SERVICES LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 14,678,000 | 2 | $ 305,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 2 | $ 185,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ 10,000,000 | 2 | $ 505,000 |
| PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 443,000 |
| J.G. WENTWORTH HOME LENDING, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 349,000 |
| ZILLOW HOME LOANS, LLC 10975 EL MONTE ST WICHITA, KS 66211 |
* | $ 10,000,000 | 2 | $ 213,000 |
| SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 TEMPE, AZ 85297 |
* | $ 5,889,539,000 | 2 | $ 214,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 181,000 |
| MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION 2000 WESTCHESTER AVE NEW YORK, NY 10577 |
* | $ 42,042,000,000 | 2 | $ 1,196,000 |
| COMMONWEALTH MORTGAGE, LLC 600 WEST CUMMINGS PARK SUITE 2500 WOBURN, MA 01801 |
* | $ 4,391,000 | 2 | $ 373,000 |
| CITYWORTH MORTGAGE LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ 1,400,000,000 | 2 | $ 279,000 |
| CLEARPATH LENDING 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 273,000 |
| LOW VA RATES, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 182,000 |
| LOWER, LLC 5950 SYMPHONY WOODS DRIVE LUTHERVILLE, MD 21044 |
* | $ 29,436,748,000 | 1 | $ 214,000 |
| UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 139,000 |
| DIAMOND CREDIT UNION 1600 MEDICAL DR POTTSTOWN, PA 19464 |
* | $ 491,960,000 | 1 | $ 160,000 |
| UBS BANK USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 52,653,111,000 | 1 | $ 512,000 |
| HOME LOAN INVESTMENT BANK, F.S.B. ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 9,000 |
| FIRST MIDWEST BANK 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 8,000 |
| AMALGAMATED BANK 275 SEVENTH AVENUE NEW YORK, NY 10001 |
* | $ 3,821,567,000 | 1 | $ 308,000 |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION 335 W BUTLER AVE CHALFONT, PA 18914 |
* | $ 502,934,000 | 1 | $ 164,000 |
| MEMBERS 1ST 5000 LOUISE DRIVE ENOLA, PA 17055 |
* | $ 3,013,783,000 | 1 | $ 192,000 |
| SELF RELIANCE NY 108 SECOND AVE NEW YORK, NY 10003 |
* | $ 1,159,328,000 | 1 | $ 184,000 |
| TEACHERS FEDERAL CREDIT UNION 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 5,230,049,000 | 1 | $ 234,000 |
| CHURCHILL MORTGAGE CORPORATION 761 OLD HICKORY BLVD SUITE 400 NASHVILLE, TN 37027 |
* | $ 10,000,000 | 1 | $ 240,000 |
| AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 3820 NORTHDALE BLVD STE 111A TAMPA, FL 33624 |
* | $ 1,847,619,000 | 1 | $ 117,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ 100,000,000 | 1 | $ 253,000 |
| SIERRA PACIFIC MORTGAGE COMPANY, INC. 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 250,000 |
| BRIDGEVIEW BANK GROUP 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 1 | $ 119,000 |
| WOODFOREST NATIONAL BANK 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 1 | $ 5,000 |
| GUIDANCE RESIDENTIAL, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 WILMINGTON, DE 20190 |
* | $ 10,000,000 | 1 | $ 202,000 |
| TIDEWATER MORTGAGE SERVICES, INC. 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 23452 |
* | $ 100,000,000 | 1 | $ 175,000 |
| NFM, INC. 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 222,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ 10,000,000 | 1 | $ 158,000 |
| TOWNE BANK 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 6,296,584,000 | 1 | $ 327,000 |
| HOWARD BANK 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 1 | $ 80,000 |
| MERIDIAN BANK 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 663,343,000 | 1 | $ 161,000 |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1600 STEWART AVE.; SUITE 701 ALBANY, NY 11590 |
* | $ 10,000,000 | 1 | $ 139,000 |
| AMERICAN INTERBANC MORTGAGE, LLC. 4 PARK PLAZA #650 IRVINE, CA 92614 |
* | $ 6,512,000 | 1 | $ 280,000 |
| STONEGATE MORTGAGE CORPORATION 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 206,000 |
| GOLDWATER BANK, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 225,000 |
| FULTON BANK, NATIONAL ASSOCIATION ONE PENN SQUARE LANCASTER, PA 17604 |
* | $ 9,847,293,000 | 1 | $ 62,000 |
| STERLING NATIONAL BANK 400 RELLA BLVD. MONTEBELLO, NY 10901 |
* | $ 11,911,402,000 | 1 | $ 103,000 |
| BANC OF CALIFORNIA, NATIONAL ASSOCIATION 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 132,000 |
| HUNTINGDON VALLEY BANK 1388 W STREET ROAD HUNTINGDON VALLEY, PA 18974 |
* | $ 169,011,000 | 1 | $ 133,000 |
| IMPAC MORTGAGE CORP. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 107,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 127,000 |
| PRIMARY RESIDENTIAL MORTGAGE, INC. 1480 N 2200 W CARSON CITY, NV 84116 |
* | $ 242,587,000 | 1 | $ 160,000 |
| BOND STREET MORTGAGE, LLC 115 WEST CENTURY ROAD WILMINGTON, DE 07652 |
* | $ 744,000 | 1 | $ 302,000 |
| CORRIDOR MORTGAGE GROUP, INC. 11085 STRATFIELD COURT MARRIOTTSVILLE, MD 21104 |
* | $ 605,000,000 | 1 | $ 192,000 |
| ALLIED MORTGAGE GROUP, INC. 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 186,000 |
| IFREEDOM DIRECT CORPORATION 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 129,000 |
| SHORE UNITED BANK 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ 488,221,000 | 1 | $ 528,000 |
| FIRST CITIZENS COMMUNITY BANK 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 1,160,219,000 | 1 | $ 104,000 |
| SUPERIOR CREDIT UNION 100 CROSSKEYS RD COLLEGEVILLE, PA 19426 |
* | $ 48,537,000 | 1 | $ 53,000 |
| EMPOWER FEDERAL CREDIT UNION 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,381,536,000 | 1 | $ 33,000 |
| VANTAGE TRUST FEDERAL CREDIT UNION 881 MUNDY STREET WILKES-BARRE, PA 18702 |
* | $ 59,275,000 | 1 | $ 76,000 |
| TOGETHER CREDIT UNION MICHAEL DOUGHERTY SAINT LOUIS, MO 63118 |
* | $ 1,552,519,000 | 1 | $ 131,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 2,801,773,000 | 1 | $ 25,000 |
| HUDSON VALLEY CREDIT UNION PO BOX 1071 POUGHKEEPSIE, NY 12602 |
* | $ 4,249,486,000 | 1 | $ 215,000 |
| RELIANT BANK 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 878,814,000 | 1 | $ 124,000 |
| NEW YORK COMMUNITY BANK 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 46,472,436,000 | 1 | $ 153,000 |
| VALLEY NATIONAL BANK 1460 VALLEY ROAD PASSAIC, NJ 07470 |
* | $ 21,559,176,000 | 1 | $ 240,000 |
| QNB BANK P.O. BOX 9005 QUAKERTOWN, PA 18951 |
* | $ 1,013,592,000 | 1 | $ 100,000 |
| AMERICAN FINANCIAL NETWORK, INC. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 172,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 1 | $ 134,000 |
| SIGNATURE FEDERAL CREDIT UNION 12 HERBERT ST. ALEXANDRIA, VA 22313 |
* | $ 291,925,000 | 1 | $ 280,000 |
| XCEED FINANCIAL 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 942,019,000 | 1 | $ 120,000 |
| NATIONWIDE BANK ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 95,000 |
| VISIONS FEDERAL CREDIT UNION 3301 COUNTRY CLUB ROAD ENDWELL, NY 13760 |
* | $ 3,479,565,000 | 1 | $ 108,000 |
| AXOS BANK 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 6,656,748,000 | 1 | $ 126,000 |
| QUONTIC BANK 31-05 BROADWAY NEW YORK, NY 11106 |
* | $ 179,871,000 | 1 | $ 90,000 |
| JERSEY SHORE STATE BANK 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 965,803,000 | 1 | $ 313,000 |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. 21 NORTH MAIN STREET ALBANY, NY 12078 |
* | $ 2,415,000 | 1 | $ 24,000 |
| EAST COAST CAPITAL CORP. 25 MELVILLE PARK ROAD SUITE 200 MELVILLE, NY 11747 |
* | $ 1,000,000 | 1 | $ 293,000 |
| NATIONWIDE EQUITIES CORPORATION 1 INTERNATIONAL BLVD. SUITE 1202 MAHWAH, NJ 07495 |
* | $ 10,000,000 | 1 | $ 299,000 |
| MORTGAGE ENTERPRISE, LTD 393 OLD COUNTRY RD SUITE 301 CARLE PLACE, NY 11514 |
* | $ 10,000,000 | 1 | $ 54,000 |
| JAMES B. NUTTER & COMPANY 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 1 | $ 350,000 |
| AMERICAN EQUITY MORTGAGE, INC. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 195,000 |
| PLATINUM HOME MORTGAGE CORPORATION 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 116,000 |
| GATEWAY MORTGAGE GROUP, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 198,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ 50,442,000 | 1 | $ 126,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 115,000 |
| LIVE WELL FINANCIAL, INC. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 63,000 |
| LENNAR MORTGAGE, LLC 730 NW 107TH AVENUE, 4TH FL NORTH PALM BEACH, FL 33172 |
* | $ 31,000,000 | 1 | $ 153,000 |
| AMERICAN FEDERAL MORTGAGE CORPORATION 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ 51,703,000 | 1 | $ 200,000 |
| VANGUARD FUNDING LLC 300 GARDEN CITY PLAZA, SUITE 170 GARDEN CITY, NY 11530 |
* | $ 2,793,000 | 1 | $ 102,000 |
| RESIDENTIAL HOME MORTGAGE CORPORATION 53 FRONTAGE ROAD, SUITE 200 HAMPTON, NJ 08827 |
* | $ 1,119,000 | 1 | $ 147,000 |
| 1ST ALLIANCE LENDING, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 165,000 |
| ADVISORS MORTGAGE GROUP, L.L.C. 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ 18,193,000 | 1 | $ 200,000 |
| MLD MORTGAGE INC. 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 1 | $ 135,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2016, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
Mortgage Loan Application Detail Totals for Wayne County PA in 2016
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 | 1,182 | $191,147,000 | $161,000 | $2,500,000 | $79,000 | $2,400,000 |
| Home Purchase | 1,084 | $174,606,000 | $161,000 | $5,325,000 | $97,000 | $1,900,000 |
| Home Improvement | 273 | $19,214,000 | $70,000 | $1,100,000 | $77,000 | $1,200,000 |
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 | 1,995 | $286,368,000 | $143,000 | $1,100,000 | $92,000 | $2,400,000 |
| Not Provided | 225 | $37,290,000 | $165,000 | $534,000 | $97,000 | $1,067,000 |
| Not applicable | 199 | $43,621,000 | $219,000 | $5,325,000 | $16,000 | $352,000 |
| Hispanic | 72 | $10,204,000 | $141,000 | $344,000 | $91,000 | $367,000 |
| Asian | 20 | $3,828,000 | $191,000 | $466,000 | $110,000 | $250,000 |
| Black or African American | 17 | $1,990,000 | $117,000 | $290,000 | $42,000 | $149,000 |
| American Indian or Alaskan Native | 9 | $1,357,000 | $150,000 | $311,000 | $95,000 | $213,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $309,000 | $154,000 | $180,000 | $111,000 | $175,000 |
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) | 1,849 | $278,958,000 | $150,000 | $5,325,000 | $103,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 391 | $53,281,000 | $136,000 | $378,000 | $39,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 224 | $43,318,000 | $193,000 | $584,000 | $50,000 | $299,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 75 | $9,410,000 | $125,000 | $299,000 | $37,000 | $84,000 |
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 | 1,247 | $192,141,000 | $154,000 | $5,325,000 | $101,000 | $1,200,000 |
| Application Denied By Financial Institution | 546 | $72,759,000 | $133,000 | $1,000,000 | $69,000 | $2,400,000 |
| Application Withdrawn By Applicant | 300 | $49,258,000 | $164,000 | $1,000,000 | $99,000 | $916,000 |
| Loan Purchased By The Institution | 257 | $40,711,000 | $158,000 | $728,000 | $43,000 | $358,000 |
| File Closed For Incompleteness | 103 | $14,947,000 | $145,000 | $417,000 | $81,000 | $400,000 |
| Application Approved But Not Accepted | 86 | $15,151,000 | $176,000 | $2,500,000 | $87,000 | $1,900,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 92 | $11,872,000 | $129,000 | $855,000 | $57,000 | $269,000 |
| Credit History | 79 | $8,360,000 | $105,000 | $350,000 | $58,000 | $163,000 |
| Collateral | 77 | $10,209,000 | $132,000 | $1,000,000 | $78,000 | $464,000 |
| Credit Application Incomplete | 31 | $4,139,000 | $133,000 | $285,000 | $61,000 | $140,000 |
| Other | 27 | $2,952,000 | $109,000 | $275,000 | $67,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,143,000 | $127,000 | $238,000 | $57,000 | $110,000 |
| Unverifiable Information | 8 | $1,033,000 | $129,000 | $281,000 | $72,000 | $253,000 |
| Employment History | 7 | $538,000 | $76,000 | $131,000 | $35,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.