Commercial Bank & Trust of Pa Mortgage Lending & HMDA Data, 2012
In 2012, Commercial Bank & Trust of Pa of Latrobe, PA reported 210 mortgage applications totaling $20.6 million, up 21% from 2011. The average application was for $98,204, and applicants reported an average income of $61,961. 65% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (188), Johnstown, PA (1) and Toledo, OH (1) (applications in parentheses).
| 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 | 210 |
| Total Mortgage Loan Application Amount | $20,623,000 |
| Average Mortgage Loan Application Amount | $98,204 |
| Highest Mortgage Loan Application Amount | $1,159,000 |
| Average Applicant Income | $61,961 |
| Highest Applicant Income | $655,000 |
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records Commercial Bank & Trust of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 178 | $ 14,674,000 | $ 82,438 | $ 66,000 |
| Allegheny, Pennsylvania | 7 | $ 3,583,000 | $ 511,857 | $ 0 |
| Indiana, Pennsylvania | 3 | $ 492,000 | $ 164,000 | $ 30,000 |
| Fayette, Pennsylvania | 2 | $ 182,000 | $ 91,000 | $ 83,000 |
| Somerset, Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Ottawa, Ohio | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Bedford, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Butler, Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Cambria, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Commercial Bank & Trust of Pa in 2012
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 | 102 | $11,660,000 | $114,000 | $1,159,000 | $62,000 | $281,000 |
| Home Purchase | 67 | $6,766,000 | $100,000 | $784,000 | $68,000 | $655,000 |
| Home Improvement | 41 | $2,197,000 | $53,000 | $235,000 | $52,000 | $117,000 |
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 | 186 | $15,846,000 | $85,000 | $1,159,000 | $70,000 | $655,000 |
| Not applicable | 24 | $4,777,000 | $199,000 | $950,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 210 | $20,623,000 | $98,000 | $1,159,000 | $62,000 | $655,000 |
| 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 | 136 | $11,993,000 | $88,000 | $1,159,000 | $67,000 | $655,000 |
| Application Denied By Financial Institution | 27 | $2,571,000 | $95,000 | $266,000 | $51,000 | $237,000 |
| Application Approved But Not Accepted | 23 | $4,127,000 | $179,000 | $950,000 | $48,000 | $261,000 |
| Preapproval Denied by Financial Institution | 14 | $1,304,000 | $93,000 | $200,000 | $57,000 | $136,000 |
| Application Withdrawn By Applicant | 10 | $628,000 | $62,000 | $145,000 | $67,000 | $151,000 |
| 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 | 19 | $2,202,000 | $115,000 | $266,000 | $60,000 | $237,000 |
| Credit History | 14 | $1,128,000 | $80,000 | $180,000 | $52,000 | $131,000 |
| Employment History | 5 | $370,000 | $74,000 | $125,000 | $56,000 | $94,000 |
| Collateral | 2 | $125,000 | $62,000 | $95,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust of Pa's 2012 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About