Wyoming County, PA Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,020 mortgage applications in Wyoming County, PA totaling $147.6 million, up 10% from 2017. The average application was for $144,000, and applicants reported an average income of $80,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was Peoples Security Bank and Trust Company, with 81 applications, followed by Community Bank, N.A. and First National Bank of Pa.

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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 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 1,020
Total Mortgage Loan Application Amount $147,590,000
Average Mortgage Loan Application Amount $144,000
Highest Mortgage Loan Application Amount $17,505,000
Average Applicant Income $80,000
Highest Applicant Income $1,414,000

Mortgage Company List for Lending in Wyoming 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
Peoples Security Bank and Trust Company
100 SOUTH BLAKLEY STREET DUNMORE
DUNMORE, PA 18512
* $ 2,167,085,000 81 $ 9,485,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 10,521,576,000 76 $ 11,930,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 31,211,939,000 70 $ 8,290,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 47 $ 6,725,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 46 $ 6,700,000
P & G Mehoopany Employees Federal Credit Union
15 LANE HILL ROAD
TUNKHANNOCK, PA 18657
* $ 112,203,000 43 $ 3,615,000
Penn East Federal Credit Union
411 7TH AVENUE
SCRANTON, PA 18503
* $ 167,167,000 42 $ 2,110,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 347,788,000 41 $ 5,805,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 34 $ 3,380,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 21 $ 3,225,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 19 $ 2,335,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 15 $ 1,985,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,160,233,000 14 $ 2,060,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 14 $ 1,930,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,060,824,000 13 $ 1,775,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 1,565,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 5,094,016,000 12 $ 1,040,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 12 $ 1,790,000
Fidelity Deposit & Discount Bank
101 N BLAKELY ST
SCRANTON, PA 18512
* $ 864,532,000 12 $ 1,860,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 12 $ 2,040,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 11 $ 555,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 35,671,974,000 11 $ 885,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 1,215,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 9 $ 1,505,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,230,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,700,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 7 $ 1,135,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,035,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 875,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 875,000
The Honesdale National Bank
38 NORTH FRANKIN STREET
WILKES BARRE, PA 18701
* $ 642,686,000 7 $ 1,135,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 6 $ 950,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 6 $ 18,240,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 1,359,874,000 6 $ 660,000
Luzerne Bank
118 MAIN STREET
LUZERNE, PA 18709
* $ 398,805,000 6 $ 770,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 1,100,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 450,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 780,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 265,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 5 $ 405,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 565,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 5 $ 375,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 790,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 4 $ 450,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 4 $ 220,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 230,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,262,642,000 4 $ 640,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 600,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 800,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 4 $ 670,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 4 $ 270,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 340,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 345,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 525,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 185,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 3 $ 695,000
Cross Valley Federal Credit Union
640 BALTIMORE DR
WILKES BARRE, PA 18702
* $ 153,887,000 3 $ 135,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ -1,000 3 $ 375,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 3 $ 365,000
Fairway Consumer Discount Co
8 MARION ST
LUZERNE, PA 18709
* $ -1,000 3 $ 155,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 285,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 545,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 505,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 3 $ 355,000
Citizens Savings Bank
538 S STATE ST
CLARKS SUMMIT, PA 18411
* $ 332,132,000 3 $ 585,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 175,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 465,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 365,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 4,022,727,000 2 $ 430,000
First Commonwealth Federal Cre
257 BRODHEAD ROAD
ALLENTOWN, PA 18106
* $ 681,460,000 2 $ 190,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 2 $ 50,000
Atlantic Home Loans, Inc.
50 ROUTE 46
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 240,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 300,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 2 $ 200,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 290,000
Agchoice Farm Credit Aca
300 WINDING CREEK BLVD
MECHANICSBURG, PA 17050
* $ -1,000 2 $ 340,000
Ufcw Community Federal Credit Union
377 WYOMING AVENUE BOX 4258
WYOMING, PA 18644
* $ 123,852,000 2 $ 110,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 2 $ 360,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 310,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 2 $ 310,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 430,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 2 $ 170,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 320,000
Net Credit Union
119 MULBERRY STREET
SCRANTON, PA 18503
* $ 186,278,000 2 $ 190,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 310,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 360,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 1 $ 35,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ -1,000 1 $ 275,000
Landmark Community Bank
2 S MAIN STREET
PITTSTON, PA 18640
* $ 344,448,000 1 $ 135,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ 4,528,746,000 1 $ 105,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ -1,000 1 $ 315,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 145,000
Service 1st Federal Credit Uni
1985 MONTOUR BLVD PO BOX 159
DANVILLE, PA 17821
* $ 337,197,000 1 $ 55,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 125,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 215,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 105,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 198,592,000,000 1 $ 285,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 215,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 155,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 1 $ 115,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 75,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 285,000
The Dime Bank
820 CHURCH STREET
HONESDALE, PA 18431
* $ 655,024,000 1 $ 125,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 225,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,395,305,000 1 $ 105,000
Mission Mortgage LLC
13550 FALLING WATER ROAD
WILMINGTON, DE 44136
* $ -1,000 1 $ 85,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 1 $ 115,000
Wilmington Savings Fund Society, FSB
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 6,949,661,000 1 $ 55,000
Unifirst Mortgage Corporation
217 EISENHOWER BLVD
JOHNSTOWN, PA 15905
* $ -1,000 1 $ 165,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 15,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 135,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 1 $ 175,000
Choice One Community FCU
101 HAZLE STREET
WILKES BARRE, PA 18702
* $ 98,123,000 1 $ 25,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 195,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 1 $ 105,000
Essa Bank & Trust
200 PALMER STREET
STROUDSBURG, PA 18360
* $ 1,816,231,000 1 $ 235,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 9,431,473,000 1 $ 205,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 75,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 205,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 125,000
Quaint Oak Mortgage, LLC
1710 UNION BLVD
ALLENTOWN, PA 18109
* $ -1,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 135,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 95,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 125,000
Hamilton National Mortgage Company
1275 DRUMMERS LANE
WAYNE, PA 19087
* $ -1,000 1 $ 275,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 145,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ -1,000 1 $ 205,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 75,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 185,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 205,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 115,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 165,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 165,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 25,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 1 $ 95,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,179,020,000 1 $ 35,000

The tables below break down 2018 mortgage applications in Wyoming 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 Wyoming 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 374 $77,710,000 $207,000 $17,505,000 $87,000 $798,000
Refinancing 276 $35,540,000 $128,000 $4,335,000 $81,000 $715,000
Cash-out Refinancing 154 $21,250,000 $137,000 $415,000 $64,000 $215,000
Home Improvement 127 $6,975,000 $54,000 $285,000 $73,000 $550,000
Other Purpose 77 $5,125,000 $66,000 $305,000 $95,000 $1,414,000
Not Applicable 12 $990,000 $82,000 $205,000 $63,000 $88,000

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 863 $106,485,000 $123,000 $4,335,000 $81,000 $1,414,000
Not Provided 83 $12,085,000 $145,000 $425,000 $75,000 $714,000
Not applicable 62 $27,620,000 $445,000 $17,505,000 $109,000 $109,000
Hispanic 5 $595,000 $119,000 $155,000 $67,000 $94,000
American Indian or Alaskan Native 3 $345,000 $115,000 $165,000 $90,000 $96,000
Asian 1 $245,000 $245,000 $245,000 $77,000 $77,000
Black or African American 1 $65,000 $65,000 $65,000 $96,000 $96,000
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) 771 $110,375,000 $143,000 $17,505,000 $86,000 $1,414,000
FHA-insured (Federal Housing Administration) 145 $19,805,000 $136,000 $295,000 $54,000 $171,000
VA-guaranteed (Veterans Administration) 77 $13,435,000 $174,000 $405,000 $67,000 $172,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $3,975,000 $147,000 $225,000 $56,000 $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 535 $90,035,000 $168,000 $17,505,000 $89,000 $798,000
Application Denied By Financial Institution 241 $25,675,000 $106,000 $495,000 $68,000 $1,414,000
Application Withdrawn By Applicant 122 $14,260,000 $116,000 $405,000 $75,000 $865,000
Loan Purchased By The Institution 68 $10,840,000 $159,000 $325,000 $71,000 $136,000
File Closed For Incompleteness 39 $5,095,000 $130,000 $315,000 $55,000 $122,000
Application Approved But Not Accepted 15 $1,685,000 $112,000 $255,000 $77,000 $226,000
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 763 $119,705,000 $156,000 $17,505,000 $83,000 $865,000
Debt-To-Income Ratio 99 $11,635,000 $117,000 $495,000 $68,000 $798,000
Credit History 77 $6,405,000 $83,000 $225,000 $76,000 $1,414,000
Collateral 45 $5,135,000 $114,000 $285,000 $78,000 $320,000
Credit Application Incomplete 14 $1,710,000 $122,000 $215,000 $50,000 $86,000
Other 12 $1,890,000 $157,000 $325,000 $116,000 $550,000
Unverifiable Information 5 $615,000 $123,000 $175,000 $75,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 5 $495,000 $99,000 $165,000 $45,000 $72,000
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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