Wyoming County, PA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,280 mortgage applications in Wyoming County, PA totaling $204.8 million, up 33% from 2019. The average application was for $160,000, and applicants reported an average income of $91,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was Peoples Security Bank and Trust Company, with 103 applications, followed by Ps Bank and Freedom Mortgage Corporation.

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 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 1,280
Total Mortgage Loan Application Amount $204,810,000
Average Mortgage Loan Application Amount $160,000
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $91,000
Highest Applicant Income $637,000

Mortgage Company List for Lending in Wyoming County, PA for 2020

* 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
* $ 2,474,885,000 103 $ 14,225,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 401,405,000 75 $ 11,405,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 67 $ 11,895,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 65 $ 10,565,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 11,209,976,000 62 $ 6,380,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 54 $ 6,580,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 48 $ 8,810,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 44 $ 7,420,000
Fidelity Deposit & Discount Bank
101 N BLAKELY ST
SCRANTON, PA 18512
* $ 1,013,614,000 31 $ 8,255,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 30 $ 3,850,000
Penn East Federal Credit Union
411 7TH AVENUE
SCRANTON, PA 18503
* $ 172,526,000 29 $ 3,435,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 29 $ 7,345,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 4,500,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 3,480,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,191,136,000 18 $ 2,130,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 6,284,724,000 18 $ 1,950,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 18 $ 1,810,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 16 $ 3,170,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 2,615,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 15 $ 2,515,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 9,642,935,000 14 $ 2,690,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 2,780,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 2,885,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 2,390,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 1,760,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 12 $ 2,910,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 12 $ 860,000
Net Credit Union
119 MULBERRY STREET
SCRANTON, PA 18503
* $ 198,000,000 10 $ 860,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,820,000
Citizens Savings Bank
538 S STATE ST
CLARKS SUMMIT, PA 18411
* $ 318,303,000 9 $ 1,265,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 9 $ 1,165,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 9 $ 1,785,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 1,130,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 7 $ 1,185,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 1,245,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,175,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 7 $ 1,005,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 7 $ 1,195,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 7 $ 445,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 6 $ 930,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 1,638,285,000 6 $ 990,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 1,030,000
The Honesdale National Bank
38 NORTH FRANKIN STREET
WILKES BARRE, PA 18701
* $ 705,414,000 6 $ 1,170,000
Fairway Consumer Discount Co
8 MARION ST
LUZERNE, PA 18709
* $ -1,000 6 $ 240,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 6 $ 900,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 1,095,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 5 $ 1,165,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 5 $ 595,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 985,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 725,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 795,000
Luzerne Bank
118 MAIN STREET
LUZERNE, PA 18709
* $ 453,131,000 5 $ 365,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 795,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 235,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 4 $ 480,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 650,000
Essa Bank & Trust
200 PALMER STREET
STROUDSBURG, PA 18360
* $ 1,803,988,000 4 $ 770,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 4 $ 1,000,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 4 $ 950,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 187,526,000 4 $ 2,340,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 475,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 875,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 3 $ 195,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 3 $ 295,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 465,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 3 $ 655,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 685,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 485,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 3 $ 495,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ -1,000 3 $ 525,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 3 $ 585,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 1,465,405,000 3 $ 175,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,231,268,000 3 $ 535,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 2 $ 330,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 2 $ 40,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 480,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 290,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 490,000
Citymark Federal Credit Union
40 E MARKET ST
PLAINS, PA 18705
* $ 56,679,000 2 $ 380,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 80,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 270,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 350,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 300,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 340,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 4,274,925,000 2 $ 120,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 2 $ 550,000
Cross Valley Federal Credit Union
640 BALTIMORE DR
WILKES BARRE, PA 18702
* $ 159,918,000 2 $ 270,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 2 $ 350,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 1,171,070,000 2 $ 330,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 85,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 235,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 305,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 1 $ 155,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 105,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 320,471,996,000 1 $ 615,000
Homesale Mortgage
215 S. CENTERVILLE ROAD
LANCASTER, PA 17603
* $ -1,000 1 $ 135,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 355,000
Trumark Financial Credit Union
335 COMMERCE DRIVE
FORT WASHINGTON, PA 19034
* $ 2,366,862,000 1 $ 135,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 95,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 235,000
Journey Bank
232 EAST ST. PO BOX 240
BLOOMSBURG, PA 17815
* $ 738,419,000 1 $ 125,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 145,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 215,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 1,231,695,000 1 $ 155,000
Agchoice Farm Credit Aca
300 WINDING CREEK BLVD
MECHANICSBURG, PA 17050
* $ -1,000 1 $ 145,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 135,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 542,394,000 1 $ 185,000
Unity Bank
64 OLD HIGHWAY 22
CLINTON, NJ 08809
* $ 1,712,368,000 1 $ 145,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 55,000
Diamond Credit Union
1600 MEDICAL DR
POTTSTOWN, PA 19464
* $ 678,645,000 1 $ 195,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 175,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 85,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 225,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 85,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 165,000
First Keystone Community Bank
111 W FRONT ST
BERWICK, PA 18603
* $ 1,005,156,000 1 $ 25,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 1 $ 365,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 95,000
The Dime Bank
820 CHURCH STREET
HONESDALE, PA 18431
* $ 732,108,000 1 $ 145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 75,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 115,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ -1,000 1 $ 455,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 235,000
Corporate America Family CU
2445 ALFT LANE
ELGIN, IL 60123
* $ 613,668,000 1 $ 25,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 185,000
Police and Fire Federal Credit Union
901 ARCH ST
PHILADELPHIA, PA 19107
* $ 5,628,622,000 1 $ 35,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 155,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 125,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 83,036,000,000 1 $ 275,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 155,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 245,000
Landmark Community Bank
2 S MAIN STREET
PITTSTON, PA 18640
* $ 326,790,000 1 $ 215,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 95,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 791,565,000 1 $ 205,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 135,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 145,000
Investors Bank
101 WOOD AVENUE SOUTH
ISELIN, NJ 08830
* $ 26,708,543,000 1 $ 315,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 2,675,632,000 1 $ 25,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 155,000
Freedom Credit Uniton
626 JACKSONVILLE ROAD #250
WARMINSTER, PA 18974
* $ 997,441,000 1 $ 115,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 245,000

The tables below break down 2020 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 2020

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 482 $79,360,000 $164,000 $725,000 $90,000 $624,000
Home Purchase 422 $75,580,000 $179,000 $905,000 $92,000 $637,000
Cash-out Refinancing 191 $36,255,000 $189,000 $1,305,000 $94,000 $627,000
Home Improvement 85 $5,425,000 $63,000 $255,000 $83,000 $610,000
Other Purpose 68 $4,320,000 $63,000 $355,000 $88,000 $438,000
Not Applicable 32 $3,870,000 $120,000 $455,000 $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 1,051 $166,205,000 $158,000 $1,305,000 $93,000 $637,000
Not Provided 117 $20,655,000 $176,000 $585,000 $73,000 $319,000
Not applicable 91 $14,765,000 $162,000 $455,000 $103,000 $226,000
Hispanic 12 $1,760,000 $146,000 $285,000 $70,000 $144,000
Asian 4 $570,000 $142,000 $245,000 $99,000 $211,000
Black or African American 3 $645,000 $215,000 $345,000 $94,000 $129,000
American Indian or Alaskan Native 2 $210,000 $105,000 $165,000 $38,000 $51,000
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) 911 $139,615,000 $153,000 $1,305,000 $97,000 $637,000
FHA-insured (Federal Housing Administration) 192 $29,920,000 $155,000 $455,000 $61,000 $194,000
VA-guaranteed (Veterans Administration) 146 $31,020,000 $212,000 $595,000 $66,000 $249,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $4,255,000 $137,000 $255,000 $53,000 $85,000

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 703 $114,535,000 $162,000 $1,205,000 $97,000 $637,000
Application Denied By Financial Institution 218 $29,870,000 $137,000 $725,000 $78,000 $624,000
Application Withdrawn By Applicant 175 $32,175,000 $183,000 $1,305,000 $90,000 $627,000
Loan Purchased By The Institution 96 $15,380,000 $160,000 $455,000 $89,000 $311,000
File Closed For Incompleteness 60 $8,530,000 $142,000 $335,000 $68,000 $227,000
Application Approved But Not Accepted 28 $4,320,000 $154,000 $585,000 $75,000 $214,000
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 1,013 $169,205,000 $167,000 $1,305,000 $93,000 $637,000
Debt-To-Income Ratio 110 $12,580,000 $114,000 $1,205,000 $75,000 $336,000
Credit History 62 $7,030,000 $113,000 $395,000 $79,000 $610,000
Collateral 47 $8,275,000 $176,000 $725,000 $107,000 $624,000
Credit Application Incomplete 21 $2,765,000 $131,000 $275,000 $51,000 $94,000
Other 9 $1,575,000 $175,000 $515,000 $129,000 $331,000
Unverifiable Information 7 $1,725,000 $246,000 $455,000 $90,000 $169,000
Insufficient Cash (Downpayment, Closing Cost) 6 $870,000 $145,000 $265,000 $68,000 $135,000
Employment History 5 $785,000 $157,000 $225,000 $56,000 $96,000
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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