Wyoming County, PA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,025 mortgage applications in Wyoming County, PA totaling $182.9 million, down 28% from 2021. The average application was for $178,000, and applicants reported an average income of $93,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Peoples Security Bank and Trust Company, with 94 applications, followed by Community Bank, N.A. 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 1,025
Total Mortgage Loan Application Amount $182,935,000
Average Mortgage Loan Application Amount $178,000
Highest Mortgage Loan Application Amount $3,905,000
Average Applicant Income $93,000
Highest Applicant Income $1,311,000

Mortgage Company List for Lending in Wyoming County, PA for 2022

* 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
* $ 3,366,863,000 94 $ 14,100,000
Community Bank, N.A.
45-49 COURT STREET
CANTON, NY 13617
* $ 15,323,828,000 81 $ 12,505,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 55 $ 7,665,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 38 $ 6,830,000
Ps Bank
42621 ROUTE 6
WYALUSING, PA 18853
* $ 477,210,000 36 $ 4,630,000
Penn East Federal Credit Union
411 7TH AVENUE
SCRANTON, PA 18503
* $ 258,133,000 33 $ 4,855,000
P&G Mehoopany Employees FCU
15 LANE HILL ROAD
TUNKHANNOCK, PA 18657
* $ 162,097,000 31 $ 2,725,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 28 $ 8,920,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 27 $ 3,875,000
Fidelity Deposit & Discount Bank
101 N BLAKELY ST
SCRANTON, PA 18512
* $ 2,420,900,000 26 $ 4,490,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 23 $ 3,825,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 20 $ 3,970,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 19 $ 3,825,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 3,500,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 18 $ 2,100,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 17 $ 1,465,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 17 $ 1,195,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 4,195,000
Luzerne Bank
118 MAIN STREET
LUZERNE, PA 18709
* $ 586,199,000 15 $ 1,875,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 13 $ 2,465,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 2,455,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 2,295,000
Net Credit Union
119 MULBERRY STREET
SCRANTON, PA 18503
* $ 247,742,000 11 $ 1,025,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ 8,187,070,000 10 $ 1,040,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 2,200,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 11,919,970,000 9 $ 1,545,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 8 $ 1,420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 910,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,657,985,000 8 $ 910,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 2,280,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 975,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 7 $ 1,215,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 7 $ 1,725,000
Citizens Savings Bank
538 S STATE ST
CLARKS SUMMIT, PA 18411
* $ 395,514,000 7 $ 2,065,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 930,000
Wayne Bank
717 MAIN STREET
HONESDALE, PA 18431
* $ 2,069,453,000 6 $ 800,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 6 $ 1,160,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,360,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,030,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 6 $ 320,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,315,000
The Honesdale National Bank
38 NORTH FRANKIN STREET
WILKES BARRE, PA 18701
* $ 944,670,000 5 $ 685,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 5 $ 1,175,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 2,050,000
First Keystone Community Bank
111 W FRONT ST
BERWICK, PA 18603
* $ 1,317,494,000 4 $ 4,860,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 4 $ 810,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 4 $ 690,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 900,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 4 $ 1,180,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 4 $ 630,000
Citizens & Northern Bank
PO BOX 58, ADMINISTRATION BUILDING
WELLSBORO, PA 16901
* $ 2,311,213,000 4 $ 1,030,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 4 $ 610,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 720,000
Cross Valley Federal Credit Union
640 BALTIMORE DR
WILKES BARRE, PA 18702
* $ 213,162,000 4 $ 210,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 510,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ 1,354,455,000 3 $ 395,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 375,000
Essa Bank & Trust
200 PALMER STREET
STROUDSBURG, PA 18360
* $ 1,865,581,000 3 $ 3,565,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 965,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 405,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 505,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 485,000
Choice One Community FCU
101 HAZLE STREET
WILKES BARRE, PA 18702
* $ 124,803,000 2 $ 120,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 290,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 2 $ 560,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 6,348,909,000 2 $ 970,000
Fairway Consumer Discount Co
8 MARION ST
LUZERNE, PA 18709
* $ -1,000 2 $ 110,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 330,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 320,000
Visions Federal Credit Union
3301 COUNTRY CLUB ROAD
ENDICOTT, NY 13760
* $ 5,621,672,000 2 $ 150,000
Crowdcopia LLC
42 E BALTIMORE AVE
LANSDOWNE, PA 19050
* $ -1,000 2 $ 110,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 230,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 280,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ 7,100,677,000 2 $ 380,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 100,000
First Citizens Community Bank
15 S. MAIN STREET
MANSFIELD, PA 16933
* $ 2,140,937,000 2 $ 330,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 320,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 300,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 410,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 400,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 270,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 2 $ 150,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 380,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 530,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 85,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 155,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 405,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 105,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 95,000
First Heritage Financial LLC
2655 NESHAMINY INTERPLEX DR - STE 105
TREVOSE, PA 19053
* $ -1,000 1 $ 145,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,136,862,000 1 $ 115,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 135,000
Direct Lending Partners LLC
835 HAMILTON ST
ST. AUGUSTINE, FL 32095
* $ -1,000 1 $ 3,035,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 35,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ -1,000 1 $ 565,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 1,715,230,000 1 $ 295,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 175,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 105,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 7,846,662,000 1 $ 15,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 165,000
The Muncy Bank and Trust Company
2 NORTH MAIN ST
MUNCY, PA 17756
* $ 593,847,000 1 $ 45,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 105,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 125,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 335,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 205,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 135,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 85,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 505,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 1 $ 245,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ -1,000 1 $ 325,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 165,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 395,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 125,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 235,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 105,000
Chemung Canal Trust Company
ONE CHEMUNG CANAL PLAZA
ELMIRA, NY 14901
* $ 2,413,407,000 1 $ 195,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 675,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 195,000
Tioga State Bank, N.A.
PO BOX 386
SPENCER, NY 14883
* $ 548,737,000 1 $ 345,000
Coast One Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 125,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 185,000
Peoplesbank, A Codorus Valley
105 LEADER HEIGHTS RD
YORK, PA 17403
* $ 2,414,844,000 1 $ 295,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 2,014,131,000 1 $ 295,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 435,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 75,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 275,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 175,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 105,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 195,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 165,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 565,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 34,893,033,000 1 $ 315,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 155,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 749,092,000 1 $ 135,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 1 $ 335,000
Mortgage America, Inc.
1100 BERKSHIRE BLVD
WHITEHALL, PA 18052
* $ -1,000 1 $ 645,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 1 $ 45,000
The Dime Bank
820 CHURCH STREET
HONESDALE, PA 18431
* $ 956,877,000 1 $ 45,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 635,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 115,000

The tables below break down 2022 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 2022

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 405 $88,505,000 $218,000 $3,035,000 $100,000 $1,311,000
Refinancing 198 $37,770,000 $190,000 $3,905,000 $92,000 $1,196,000
Cash-out Refinancing 189 $36,525,000 $193,000 $1,105,000 $79,000 $355,000
Home Improvement 134 $9,410,000 $70,000 $605,000 $87,000 $568,000
Other Purpose 87 $9,335,000 $107,000 $965,000 $106,000 $378,000
Not Applicable 12 $1,390,000 $115,000 $295,000 $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 814 $126,180,000 $155,000 $1,485,000 $92,000 $1,311,000
Not Provided 116 $23,190,000 $199,000 $795,000 $97,000 $568,000
Not applicable 74 $28,920,000 $390,000 $3,905,000 $76,000 $101,000
Hispanic 7 $1,935,000 $276,000 $685,000 $66,000 $88,000
Black or African American 5 $865,000 $173,000 $405,000 $93,000 $161,000
American Indian or Alaskan Native 4 $1,200,000 $300,000 $825,000 $217,000 $766,000
Asian 3 $395,000 $131,000 $145,000 $70,000 $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) 835 $146,755,000 $175,000 $3,905,000 $98,000 $1,311,000
FHA-insured (Federal Housing Administration) 116 $19,420,000 $167,000 $355,000 $65,000 $222,000
VA-guaranteed (Veterans Administration) 69 $16,075,000 $232,000 $605,000 $73,000 $220,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $685,000 $137,000 $185,000 $56,000 $63,000

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 586 $100,510,000 $171,000 $3,035,000 $98,000 $1,311,000
Application Denied By Financial Institution 170 $28,330,000 $166,000 $3,905,000 $74,000 $263,000
Application Withdrawn By Applicant 122 $26,940,000 $220,000 $3,805,000 $82,000 $345,000
File Closed For Incompleteness 62 $10,490,000 $169,000 $815,000 $116,000 $1,196,000
Loan Purchased By The Institution 62 $12,580,000 $202,000 $565,000 $106,000 $355,000
Application Approved But Not Accepted 21 $3,785,000 $180,000 $645,000 $101,000 $237,000
Preapproval Approved but not Accepted 2 $300,000 $150,000 $195,000 $72,000 $94,000
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 753 $141,255,000 $187,000 $3,805,000 $99,000 $1,311,000
Debt-To-Income Ratio 155 $20,295,000 $130,000 $1,105,000 $76,000 $345,000
Credit History 48 $5,490,000 $114,000 $755,000 $75,000 $245,000
Collateral 21 $4,525,000 $215,000 $675,000 $89,000 $179,000
Credit Application Incomplete 21 $2,845,000 $135,000 $435,000 $70,000 $168,000
Other 14 $6,400,000 $457,000 $3,905,000 $86,000 $200,000
Unverifiable Information 7 $1,065,000 $152,000 $275,000 $63,000 $97,000
Insufficient Cash (Downpayment, Closing Cost) 5 $855,000 $171,000 $255,000 $88,000 $181,000
Employment History 1 $205,000 $205,000 $205,000 $167,000 $167,000
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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