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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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FIRST COMMONWEALTH BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
FIRST COMMONWEALTH BANK |
| Address | P O BOX 400
INDIANA, PA 15701 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 3,437 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $152,966,000 |
| Average Mortgage Loan Amount Applied For | $64,069 |
| Highest Mortgage Loan Amount Applied For | $1,258,000 |
| Average Applicant Income | $71,511 |
| Highest Applicant Income | $4,500,000 |
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| Home Improvement |
1,730 | $44,244,000 |
$25,000 | $1,112,000 |
$52,000 | $1,000,000 |
| Home Purchase |
298 | $20,739,000 |
$69,000 | $1,258,000 |
$80,000 | $4,500,000 |
| Refinancing |
1,411 | $88,076,000 |
$62,000 | $892,000 |
$56,000 | $999,000 |
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| American Indian or Alaskan Native |
7 | $407,000 |
$58,000 | $160,000 |
$72,000 | $160,000 |
| Asian |
12 | $1,723,000 |
$143,000 | $820,000 |
$105,000 | $257,000 |
| Black or African American |
37 | $846,000 |
$22,000 | $93,000 |
$41,000 | $175,000 |
| Hispanic |
22 | $808,000 |
$36,000 | $156,000 |
$57,000 | $116,000 |
| Native Hawaiin or Other Pacific Islander |
2 | $42,000 |
$21,000 | $33,000 |
$65,000 | $111,000 |
| Not applicable |
80 | $12,067,000 |
$150,000 | $1,112,000 |
$0 | $0 |
| Not Provided |
17 | $1,318,000 |
$77,000 | $565,000 |
$46,000 | $100,000 |
| White |
3,262 | $135,848,000 |
$41,000 | $1,258,000 |
$58,000 | $4,500,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
3,439 | $153,059,000 |
$44,000 | $1,258,000 |
$56,000 | $4,500,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
136 | $5,858,000 |
$43,000 | $150,000 |
$61,000 | $176,000 |
| Application Denied By Financial Institution |
866 | $39,581,000 |
$45,000 | $820,000 |
$47,000 | $1,000,000 |
| Application Withdrawn By Applicant |
349 | $21,748,000 |
$62,000 | $1,258,000 |
$67,000 | $4,500,000 |
| File Closed For Incompleteness |
3 | $125,000 |
$41,000 | $50,000 |
$52,000 | $77,000 |
| Loan Originated |
2,085 | $85,747,000 |
$41,000 | $892,000 |
$58,000 | $2,000,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Debt-To-Income Ratio |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for FIRST COMMONWEALTH BANK by:
Metropolitan Area And
County
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