Commercial Bank & Trust of Pa Mortgage Lending & HMDA Data, 2010
In 2010, Commercial Bank & Trust of Pa of Latrobe, PA reported 216 mortgage applications totaling $19.3 million, up 12% from 2009. The average application was for $89,273, and applicants reported an average income of $65,555. 52% of its applications resulted in an originated loan and 23% were denied. Its largest market was Pittsburgh, PA (189).
| 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 | 216 |
| Total Mortgage Loan Application Amount | $19,283,000 |
| Average Mortgage Loan Application Amount | $89,273 |
| Highest Mortgage Loan Application Amount | $896,000 |
| Average Applicant Income | $65,555 |
| 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records Commercial Bank & Trust of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Commercial Bank & Trust of Pa in 2010
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 | 88 | $6,762,000 | $76,000 | $896,000 | $51,000 | $207,000 |
| Home Purchase | 74 | $9,584,000 | $129,000 | $868,000 | $84,000 | $942,000 |
| Home Improvement | 54 | $2,937,000 | $54,000 | $370,000 | $64,000 | $218,000 |
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 | 200 | $17,239,000 | $86,000 | $868,000 | $67,000 | $942,000 |
| Hispanic | 7 | $692,000 | $98,000 | $370,000 | $77,000 | $218,000 |
| Not applicable | 5 | $1,258,000 | $251,000 | $896,000 | $0 | $0 |
| Asian | 3 | $69,000 | $23,000 | $45,000 | $63,000 | $131,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 216 | $19,283,000 | $89,000 | $896,000 | $65,000 | $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 | 113 | $9,667,000 | $85,000 | $868,000 | $70,000 | $942,000 |
| Application Denied By Financial Institution | 49 | $4,912,000 | $100,000 | $896,000 | $52,000 | $207,000 |
| Preapproval Denied by Financial Institution | 24 | $2,007,000 | $83,000 | $270,000 | $45,000 | $115,000 |
| Application Withdrawn By Applicant | 19 | $1,746,000 | $91,000 | $688,000 | $100,000 | $942,000 |
| Application Approved But Not Accepted | 11 | $951,000 | $86,000 | $185,000 | $64,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 31 | $1,878,000 | $60,000 | $122,000 | $49,000 | $93,000 |
| Debt-To-Income Ratio | 24 | $2,528,000 | $105,000 | $600,000 | $56,000 | $207,000 |
| Employment History | 9 | $501,000 | $55,000 | $100,000 | $39,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,586,000 | $396,000 | $896,000 | $19,000 | $42,000 |
| Collateral | 4 | $376,000 | $94,000 | $250,000 | $69,000 | $110,000 |
| Unverifiable Information | 1 | $50,000 | $50,000 | $50,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank & Trust of Pa's 2010 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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