Commercial Bank & Trust of Pa Mortgage Lending & HMDA Data, 2011
In 2011, Commercial Bank & Trust of Pa of Latrobe, PA reported 174 mortgage applications totaling $17.9 million, down 19% from 2010. The average application was for $102,701, and applicants reported an average income of $68,471. 58% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Pittsburgh, PA (155) and Johnstown, PA (2).
| Mortgage Company & Address | Commercial Bank & Trust of Pa Po Box 429, 900 Ligonier Street Latrobe, PA 15650 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 174 |
| Total Mortgage Loan Application Amount | $17,870,000 |
| Average Mortgage Loan Application Amount | $102,701 |
| Highest Mortgage Loan Application Amount | $1,384,000 |
| Average Applicant Income | $68,471 |
| Highest Applicant Income | $942,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commercial Bank & Trust of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Westmoreland, Pennsylvania | 146 | $ 13,936,000 | $ 95,452 | $ 72,000 |
| Allegheny, Pennsylvania | 7 | $ 1,711,000 | $ 244,428 | $ 63,000 |
| Cambria, Pennsylvania | 2 | $ 85,000 | $ 42,500 | $ 104,000 |
| Indiana, Pennsylvania | 2 | $ 96,000 | $ 48,000 | $ 63,000 |
| Bedford, Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 156,000 |
| Butler, Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Fayette, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust of Pa in 2011
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 | 69 | $9,114,000 | $132,000 | $825,000 | $61,000 | $182,000 |
| Refinancing | 59 | $6,220,000 | $105,000 | $1,384,000 | $69,000 | $214,000 |
| Home Improvement | 46 | $2,536,000 | $55,000 | $425,000 | $79,000 | $942,000 |
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 | 159 | $13,064,000 | $82,000 | $425,000 | $73,000 | $942,000 |
| Not applicable | 12 | $4,503,000 | $375,000 | $1,384,000 | $0 | $0 |
| Hispanic | 2 | $241,000 | $120,000 | $190,000 | $94,000 | $94,000 |
| Black or African American | 1 | $62,000 | $62,000 | $62,000 | $95,000 | $95,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 174 | $17,870,000 | $102,000 | $1,384,000 | $69,000 | $942,000 |
| 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 |
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 | 101 | $11,558,000 | $114,000 | $1,384,000 | $67,000 | $260,000 |
| Application Denied By Financial Institution | 37 | $3,348,000 | $90,000 | $478,000 | $55,000 | $131,000 |
| Preapproval Denied by Financial Institution | 14 | $1,696,000 | $121,000 | $400,000 | $38,000 | $68,000 |
| Application Withdrawn By Applicant | 12 | $642,000 | $53,000 | $150,000 | $168,000 | $942,000 |
| Application Approved But Not Accepted | 10 | $626,000 | $62,000 | $144,000 | $63,000 | $100,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 22 | $2,484,000 | $112,000 | $400,000 | $50,000 | $131,000 |
| Credit History | 16 | $1,195,000 | $74,000 | $165,000 | $54,000 | $106,000 |
| Collateral | 6 | $498,000 | $83,000 | $190,000 | $57,000 | $94,000 |
| Employment History | 5 | $283,000 | $56,000 | $100,000 | $39,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $478,000 | $478,000 | $478,000 | $0 | $0 |
| Other | 1 | $106,000 | $106,000 | $106,000 | $57,000 | $57,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust of Pa's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Commercial Bank & Trust of Pa's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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