Allegheny County, PA Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 103,965 mortgage applications in Allegheny County, PA totaling $9.9 billion, down 11% from 2004. The average application was for $95,000, and applicants reported an average income of $70,000. 42% of applications resulted in an originated loan and 26% were denied. The most active lender was Ameriquest Mortgage Company, with 5,898 applications, followed by Countrywide Home Loans and PNC Bank N.A..
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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 | 103,965 |
| Total Mortgage Loan Application Amount | $9,884,621,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $9,693,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $9,999,000 |
Top Mortgage Lenders in Allegheny County, PA (2005)
Ranked by the number of mortgage applications each lender reported in Allegheny County, PA in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Ameriquest Mortgage Company Orange, CA |
5,898 | $661,171,000 | $112,000 | $90,000 |
| 2 | Countrywide Home Loans Westlake Village, CA |
5,276 | $608,269,000 | $115,000 | $59,000 |
| 3 | PNC Bank N.A. Pittsburgh, PA |
4,649 | $222,057,000 | $47,000 | $74,000 |
| 4 | Citizens Bank of Pennsylvania Philadelphia, PA |
4,625 | $145,493,000 | $31,000 | $74,000 |
| 5 | Beneficial Company LLC Mettawa, IL |
4,158 | $339,759,000 | $81,000 | $58,000 |
| 6 | National City Bank Cleveland, OH |
3,597 | $226,925,000 | $63,000 | $85,000 |
| 7 | Wells Fargo Bank, NA Des Moines, IA |
2,700 | $320,937,000 | $118,000 | $78,000 |
| 8 | Dollar Bank, FSB Pittsburgh, PA |
2,672 | $202,675,000 | $75,000 | $62,000 |
| 9 | National City Bank of Indiana Cleveland, OH |
2,365 | $270,609,000 | $114,000 | $59,000 |
| 10 | Hfc Company LLC Elmhurst, IL |
2,353 | $220,391,000 | $93,000 | $55,000 |
The tables below break down 2005 mortgage applications in Allegheny 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 Allegheny County, PA in 2005
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 | 57,649 | $5,792,216,000 | $100,000 | $4,490,000 | $68,000 | $9,999,000 |
| Home Purchase | 31,001 | $3,450,308,000 | $111,000 | $9,693,000 | $74,000 | $7,840,000 |
| Home Improvement | 15,315 | $642,097,000 | $41,000 | $5,300,000 | $68,000 | $4,800,000 |
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 | 67,071 | $6,428,624,000 | $95,000 | $3,500,000 | $73,000 | $7,647,000 |
| Not Provided | 20,444 | $1,945,432,000 | $95,000 | $4,490,000 | $71,000 | $9,999,000 |
| Black or African American | 7,933 | $502,058,000 | $63,000 | $1,280,000 | $60,000 | $3,545,000 |
| Not applicable | 5,935 | $694,289,000 | $116,000 | $9,693,000 | $38,000 | $7,840,000 |
| Asian | 1,186 | $175,310,000 | $147,000 | $1,416,000 | $95,000 | $1,200,000 |
| Hispanic | 967 | $92,397,000 | $95,000 | $730,000 | $73,000 | $1,500,000 |
| American Indian or Alaskan Native | 298 | $31,445,000 | $105,000 | $693,000 | $78,000 | $3,120,000 |
| Native Hawaiian or Other Pacific Islander | 131 | $15,066,000 | $115,000 | $534,000 | $80,000 | $419,000 |
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) | 100,001 | $9,527,334,000 | $95,000 | $9,693,000 | $74,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 3,442 | $296,579,000 | $86,000 | $3,999,000 | $34,000 | $846,000 |
| VA-guaranteed (Veterans Administration) | 521 | $60,660,000 | $116,000 | $363,000 | $39,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $48,000 | $48,000 | $48,000 | $24,000 | $24,000 |
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 | 43,798 | $4,292,795,000 | $98,000 | $9,693,000 | $82,000 | $7,840,000 |
| Application Denied By Financial Institution | 27,381 | $2,113,016,000 | $77,000 | $9,675,000 | $62,000 | $3,458,000 |
| Application Withdrawn By Applicant | 12,655 | $1,386,738,000 | $109,000 | $5,300,000 | $73,000 | $9,999,000 |
| Loan Purchased By The Institution | 10,673 | $1,195,384,000 | $112,000 | $1,280,000 | $49,000 | $2,160,000 |
| Application Approved But Not Accepted | 6,789 | $597,149,000 | $87,000 | $3,500,000 | $69,000 | $1,832,000 |
| File Closed For Incompleteness | 2,613 | $294,112,000 | $112,000 | $1,360,000 | $75,000 | $2,000,000 |
| Preapproval Denied by Financial Institution | 56 | $5,427,000 | $96,000 | $264,000 | $28,000 | $66,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 7,016 | $371,448,000 | $52,000 | $850,000 | $60,000 | $3,458,000 |
| Other | 4,874 | $437,694,000 | $89,000 | $1,150,000 | $69,000 | $2,280,000 |
| Debt-To-Income Ratio | 2,694 | $188,720,000 | $70,000 | $9,675,000 | $50,000 | $1,500,000 |
| Collateral | 2,043 | $183,746,000 | $89,000 | $1,230,000 | $70,000 | $1,194,000 |
| Credit Application Incomplete | 1,336 | $132,206,000 | $98,000 | $2,015,000 | $66,000 | $949,000 |
| Unverifiable Information | 558 | $41,828,000 | $74,000 | $1,380,000 | $65,000 | $902,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 336 | $31,183,000 | $92,000 | $1,100,000 | $78,000 | $748,000 |
| Employment History | 108 | $9,199,000 | $85,000 | $699,000 | $61,000 | $396,000 |
| Mortgage Insurance Denied | 4 | $539,000 | $134,000 | $300,000 | $49,000 | $71,000 |
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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