Dnb First, National Association Mortgage Lending & HMDA Data, 2008

In 2008, Dnb First, National Association of Downingtown, PA reported 471 mortgage applications totaling $39.0 million, up 107% from 2007. The average application was for $82,709, and applicants reported an average income of $64,991. 21% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Philadelphia, PA (139), Dover, DE (13) and Albany-Schenectady-Troy, NY (12) (applications in parentheses).

Mortgage Company & Address Dnb First, National Association
4 Brandywine Ave
Downingtown, PA 19335
Tel #: available with data download
Federal Regulator * available with data download
Years 2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 471
Total Mortgage Loan Application Amount $38,956,000
Average Mortgage Loan Application Amount $82,709
Highest Mortgage Loan Application Amount $4,400,000
Average Applicant Income $64,991
Highest Applicant Income $857,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dnb First, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Dnb First, National Association by County in 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Chester, Pennsylvania 131 $ 14,377,000 $ 109,748 $ 84,000
Kent, Delaware 13 $ 533,000 $ 41,000 $ 52,000
Sussex, Delaware 9 $ 291,000 $ 32,333 $ 41,000
Saratoga, New York 9 $ 231,000 $ 25,666 $ 70,000
Lancaster, Pennsylvania 9 $ 404,000 $ 44,888 $ 55,000
Chittenden, Vermont 9 $ 314,000 $ 34,888 $ 54,000
York, Pennsylvania 8 $ 619,000 $ 77,375 $ 158,000
Delaware, Pennsylvania 6 $ 1,855,000 $ 309,166 $ 134,000
Anne Arundel, Maryland 5 $ 227,000 $ 45,400 $ 64,000
Orleans, New York 5 $ 267,000 $ 53,400 $ 40,000
Steuben, New York 5 $ 227,000 $ 45,400 $ 83,000
Wood, Ohio 5 $ 116,000 $ 23,200 $ 42,000
Berks, Pennsylvania 5 $ 282,000 $ 56,400 $ 67,000
Allegany, New York 4 $ 136,000 $ 34,000 $ 35,000
St. Lawrence, New York 4 $ 354,000 $ 88,500 $ 57,000
Franklin, Ohio 4 $ 181,000 $ 45,250 $ 44,000
Knox, Ohio 4 $ 163,000 $ 40,750 $ 27,000
Portage, Ohio 4 $ 108,000 $ 27,000 $ 40,000
Laurel, Kentucky 3 $ 136,000 $ 45,333 $ 32,000
Penobscot, Maine 3 $ 151,000 $ 50,333 $ 54,000
Howard, Maryland 3 $ 112,000 $ 37,333 $ 62,000
Broome, New York 3 $ 175,000 $ 58,333 $ 55,000
Clinton, New York 3 $ 146,000 $ 48,666 $ 64,000
Delaware, New York 3 $ 316,000 $ 105,333 $ 64,000
Ulster, New York 3 $ 164,000 $ 54,666 $ 73,000
Columbiana, Ohio 3 $ 214,000 $ 71,333 $ 41,000
Geauga, Ohio 3 $ 45,000 $ 15,000 $ 51,000
Stark, Ohio 3 $ 153,000 $ 51,000 $ 65,000
Allegheny, Pennsylvania 3 $ 52,000 $ 17,333 $ 29,000
Dauphin, Pennsylvania 3 $ 64,000 $ 21,333 $ 29,000
Indiana, Pennsylvania 3 $ 173,000 $ 57,666 $ 72,000
Luzerne, Pennsylvania 3 $ 39,000 $ 13,000 $ 48,000
Susquehanna, Pennsylvania 3 $ 183,000 $ 61,000 $ 50,000
Stafford, Virginia 3 $ 67,000 $ 22,333 $ 93,000
Putnam, West Virginia 3 $ 137,000 $ 45,666 $ 39,000
New Castle, Delaware 2 $ 44,000 $ 22,000 $ 27,000
Vanderburgh, Indiana 2 $ 88,000 $ 44,000 $ 85,000
Jefferson, Kentucky 2 $ 29,000 $ 14,500 $ 32,000
Letcher, Kentucky 2 $ 94,000 $ 47,000 $ 54,000
Cecil, Maryland 2 $ 98,000 $ 49,000 $ 110,000
Prince George's, Maryland 2 $ 70,000 $ 35,000 $ 70,000
Washtenaw, Michigan 2 $ 59,000 $ 29,500 $ 68,000
Wayne, Michigan 2 $ 64,000 $ 32,000 $ 64,000
Cayuga, New York 2 $ 130,000 $ 65,000 $ 62,000
Chenango, New York 2 $ 149,000 $ 74,500 $ 67,000
Franklin, New York 2 $ 105,000 $ 52,500 $ 40,000
Jefferson, New York 2 $ 80,000 $ 40,000 $ 21,000
Sullivan, New York 2 $ 124,000 $ 62,000 $ 44,000
Washington, New York 2 $ 158,000 $ 79,000 $ 59,000
Carroll, Ohio 2 $ 102,000 $ 51,000 $ 51,000
Hancock, Ohio 2 $ 28,000 $ 14,000 $ 110,000
Wayne, Ohio 2 $ 100,000 $ 50,000 $ 37,000
Adams, Pennsylvania 2 $ 135,000 $ 67,500 $ 55,000
Butler, Pennsylvania 2 $ 90,000 $ 45,000 $ 72,000
Cambria, Pennsylvania 2 $ 124,000 $ 62,000 $ 38,000
Cumberland, Pennsylvania 2 $ 79,000 $ 39,500 $ 49,000
Northampton, Pennsylvania 2 $ 207,000 $ 103,500 $ 116,000
Philadelphia, Pennsylvania 2 $ 5,083,000 $ 2,541,500 $ 0
Westmoreland, Pennsylvania 2 $ 40,000 $ 20,000 $ 42,000
Windsor, Vermont 2 $ 257,000 $ 128,500 $ 43,000
Floyd, Virginia 2 $ 156,000 $ 78,000 $ 66,000
Prince William, Virginia 2 $ 95,000 $ 47,500 $ 52,000
Spotsylvania, Virginia 2 $ 38,000 $ 19,000 $ 113,000
Tazewell, Virginia 2 $ 82,000 $ 41,000 $ 28,000
Mercer, West Virginia 2 $ 54,000 $ 27,000 $ 96,000
Monongalia, West Virginia 2 $ 80,000 $ 40,000 $ 27,000
Wood, West Virginia 2 $ 119,000 $ 59,500 $ 37,000
DeKalb, Indiana 1 $ 26,000 $ 26,000 $ 20,000
Elkhart, Indiana 1 $ 31,000 $ 31,000 $ 81,000
Franklin, Indiana 1 $ 16,000 $ 16,000 $ 42,000
Jefferson, Indiana 1 $ 44,000 $ 44,000 $ 75,000
Kosciusko, Indiana 1 $ 23,000 $ 23,000 $ 70,000
Madison, Indiana 1 $ 42,000 $ 42,000 $ 32,000
Marion, Indiana 1 $ 31,000 $ 31,000 $ 17,000
Morgan, Indiana 1 $ 23,000 $ 23,000 $ 42,000
Bullitt, Kentucky 1 $ 37,000 $ 37,000 $ 26,000
Clay, Kentucky 1 $ 16,000 $ 16,000 $ 87,000
Estill, Kentucky 1 $ 45,000 $ 45,000 $ 24,000
Greenup, Kentucky 1 $ 45,000 $ 45,000 $ 56,000
Knox, Kentucky 1 $ 63,000 $ 63,000 $ 49,000
Perry, Kentucky 1 $ 51,000 $ 51,000 $ 61,000
Pike, Kentucky 1 $ 32,000 $ 32,000 $ 24,000
Rockcastle, Kentucky 1 $ 42,000 $ 42,000 $ 52,000
Taylor, Kentucky 1 $ 38,000 $ 38,000 $ 33,000
Whitley, Kentucky 1 $ 16,000 $ 16,000 $ 23,000
Kennebec, Maine 1 $ 84,000 $ 84,000 $ 53,000
Knox, Maine 1 $ 100,000 $ 100,000 $ 26,000
Oxford, Maine 1 $ 112,000 $ 112,000 $ 65,000
Somerset, Maine 1 $ 43,000 $ 43,000 $ 32,000
Allegany, Maryland 1 $ 38,000 $ 38,000 $ 56,000
Baltimore, Maryland 1 $ 34,000 $ 34,000 $ 68,000
Harford, Maryland 1 $ 48,000 $ 48,000 $ 48,000
Kent, Maryland 1 $ 72,000 $ 72,000 $ 53,000
Queen Anne's, Maryland 1 $ 31,000 $ 31,000 $ 100,000
Somerset, Maryland 1 $ 108,000 $ 108,000 $ 145,000
Wicomico, Maryland 1 $ 46,000 $ 46,000 $ 62,000
Macomb, Michigan 1 $ 98,000 $ 98,000 $ 56,000
Monroe, Michigan 1 $ 30,000 $ 30,000 $ 40,000
Ottawa, Michigan 1 $ 14,000 $ 14,000 $ 60,000
Saginaw, Michigan 1 $ 20,000 $ 20,000 $ 32,000
Shiawassee, Michigan 1 $ 16,000 $ 16,000 $ 38,000
Belknap, New Hampshire 1 $ 33,000 $ 33,000 $ 55,000
Carroll, New Hampshire 1 $ 125,000 $ 125,000 $ 73,000
Cheshire, New Hampshire 1 $ 63,000 $ 63,000 $ 24,000
Grafton, New Hampshire 1 $ 68,000 $ 68,000 $ 63,000
Albany, New York 1 $ 32,000 $ 32,000 $ 40,000
Cattaraugus, New York 1 $ 62,000 $ 62,000 $ 38,000
Chautauqua, New York 1 $ 23,000 $ 23,000 $ 24,000
Columbia, New York 1 $ 78,000 $ 78,000 $ 105,000
Essex, New York 1 $ 76,000 $ 76,000 $ 35,000
Fulton, New York 1 $ 48,000 $ 48,000 $ 26,000
Montgomery, New York 1 $ 31,000 $ 31,000 $ 69,000
New York, New York 1 $ 1,260,000 $ 1,260,000 $ 0
Niagara, New York 1 $ 40,000 $ 40,000 $ 19,000
Ontario, New York 1 $ 24,000 $ 24,000 $ 73,000
Orange, New York 1 $ 56,000 $ 56,000 $ 56,000
Oswego, New York 1 $ 70,000 $ 70,000 $ 47,000
Otsego, New York 1 $ 118,000 $ 118,000 $ 75,000
Rensselaer, New York 1 $ 37,000 $ 37,000 $ 110,000
Schoharie, New York 1 $ 30,000 $ 30,000 $ 36,000
Seneca, New York 1 $ 103,000 $ 103,000 $ 67,000
Tioga, New York 1 $ 67,000 $ 67,000 $ 46,000
Tompkins, New York 1 $ 35,000 $ 35,000 $ 46,000
Yates, New York 1 $ 79,000 $ 79,000 $ 27,000
Brown, Ohio 1 $ 40,000 $ 40,000 $ 83,000
Darke, Ohio 1 $ 24,000 $ 24,000 $ 23,000
Fairfield, Ohio 1 $ 21,000 $ 21,000 $ 32,000
Hardin, Ohio 1 $ 39,000 $ 39,000 $ 98,000
Henry, Ohio 1 $ 11,000 $ 11,000 $ 21,000
Hocking, Ohio 1 $ 38,000 $ 38,000 $ 66,000
Jackson, Ohio 1 $ 19,000 $ 19,000 $ 32,000
Licking, Ohio 1 $ 22,000 $ 22,000 $ 100,000
Meigs, Ohio 1 $ 56,000 $ 56,000 $ 73,000
Montgomery, Ohio 1 $ 14,000 $ 14,000 $ 22,000
Morgan, Ohio 1 $ 32,000 $ 32,000 $ 64,000
Pickaway, Ohio 1 $ 11,000 $ 11,000 $ 25,000
Preble, Ohio 1 $ 44,000 $ 44,000 $ 33,000
Richland, Ohio 1 $ 36,000 $ 36,000 $ 22,000
Washington, Ohio 1 $ 37,000 $ 37,000 $ 40,000
Beaver, Pennsylvania 1 $ 47,000 $ 47,000 $ 38,000
Bedford, Pennsylvania 1 $ 112,000 $ 112,000 $ 40,000
Blair, Pennsylvania 1 $ 64,000 $ 64,000 $ 28,000
Carbon, Pennsylvania 1 $ 53,000 $ 53,000 $ 56,000
Clinton, Pennsylvania 1 $ 100,000 $ 100,000 $ 31,000
Elk, Pennsylvania 1 $ 48,000 $ 48,000 $ 38,000
Erie, Pennsylvania 1 $ 11,000 $ 11,000 $ 35,000
Franklin, Pennsylvania 1 $ 19,000 $ 19,000 $ 22,000
Fulton, Pennsylvania 1 $ 33,000 $ 33,000 $ 40,000
Huntingdon, Pennsylvania 1 $ 49,000 $ 49,000 $ 44,000
Lehigh, Pennsylvania 1 $ 616,000 $ 616,000 $ 569,000
Mifflin, Pennsylvania 1 $ 37,000 $ 37,000 $ 31,000
Northumberland, Pennsylvania 1 $ 54,000 $ 54,000 $ 116,000
Potter, Pennsylvania 1 $ 42,000 $ 42,000 $ 17,000
Warren, Pennsylvania 1 $ 40,000 $ 40,000 $ 22,000
Wyoming, Pennsylvania 1 $ 12,000 $ 12,000 $ 35,000
Campbell, Tennessee 1 $ 22,000 $ 22,000 $ 33,000
Bennington, Vermont 1 $ 104,000 $ 104,000 $ 10,000
Caledonia, Vermont 1 $ 13,000 $ 13,000 $ 21,000
Essex, Vermont 1 $ 225,000 $ 225,000 $ 113,000
Lamoille, Vermont 1 $ 44,000 $ 44,000 $ 54,000
Orange, Vermont 1 $ 123,000 $ 123,000 $ 35,000
Rutland, Vermont 1 $ 33,000 $ 33,000 $ 35,000
Washington, Vermont 1 $ 25,000 $ 25,000 $ 26,000
Accomack, Virginia 1 $ 149,000 $ 149,000 $ 79,000
Campbell, Virginia 1 $ 30,000 $ 30,000 $ 30,000
Dinwiddie, Virginia 1 $ 78,000 $ 78,000 $ 90,000
Frederick, Virginia 1 $ 39,000 $ 39,000 $ 90,000
Giles, Virginia 1 $ 97,000 $ 97,000 $ 62,000
Isle of Wight, Virginia 1 $ 79,000 $ 79,000 $ 67,000
Nottoway, Virginia 1 $ 90,000 $ 90,000 $ 35,000
Pittsylvania, Virginia 1 $ 46,000 $ 46,000 $ 93,000
Rockingham, Virginia 1 $ 85,000 $ 85,000 $ 80,000
Shenandoah, Virginia 1 $ 108,000 $ 108,000 $ 51,000
Sussex, Virginia 1 $ 93,000 $ 93,000 $ 38,000
Barbour, West Virginia 1 $ 60,000 $ 60,000 $ 58,000
Boone, West Virginia 1 $ 78,000 $ 78,000 $ 79,000
Hardy, West Virginia 1 $ 34,000 $ 34,000 $ 95,000
Kanawha, West Virginia 1 $ 59,000 $ 59,000 $ 77,000
Lincoln, West Virginia 1 $ 47,000 $ 47,000 $ 30,000
Marion, West Virginia 1 $ 36,000 $ 36,000 $ 36,000
Mason, West Virginia 1 $ 34,000 $ 34,000 $ 110,000
Ohio, West Virginia 1 $ 54,000 $ 54,000 $ 31,000
Randolph, West Virginia 1 $ 9,000 $ 9,000 $ 54,000
Upshur, West Virginia 1 $ 35,000 $ 35,000 $ 51,000

Mortgage Loan Application Detail Totals for Dnb First, National Association in 2008

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 334 $18,823,000 $56,000 $1,260,000 $55,000 $569,000
Refinancing 73 $15,963,000 $218,000 $4,400,000 $73,000 $292,000
Home Improvement 64 $4,170,000 $65,000 $290,000 $108,000 $857,000

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 430 $26,248,000 $61,000 $889,000 $65,000 $569,000
Black or African American 15 $851,000 $56,000 $149,000 $64,000 $129,000
Not Provided 10 $11,117,000 $1,111,000 $4,400,000 $85,000 $857,000
Hispanic 9 $389,000 $43,000 $60,000 $53,000 $82,000
American Indian or Alaskan Native 3 $145,000 $48,000 $71,000 $33,000 $49,000
Asian 3 $170,000 $56,000 $90,000 $91,000 $120,000
Native Hawaiian or Other Pacific Islander 1 $36,000 $36,000 $36,000 $36,000 $36,000
Not applicable 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) 471 $38,956,000 $82,000 $4,400,000 $65,000 $857,000
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 Purchased By The Institution 327 $15,229,000 $46,000 $225,000 $53,000 $195,000
Loan Originated 99 $19,339,000 $195,000 $4,400,000 $93,000 $569,000
Application Denied By Financial Institution 30 $2,557,000 $85,000 $615,000 $67,000 $269,000
Application Withdrawn By Applicant 10 $1,695,000 $169,000 $400,000 $155,000 $857,000
File Closed For Incompleteness 5 $136,000 $27,000 $50,000 $100,000 $138,000
Application Approved But Not Accepted 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

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 9 $1,066,000 $118,000 $615,000 $74,000 $269,000
Collateral 8 $376,000 $47,000 $61,000 $79,000 $129,000
Insufficient Cash (Downpayment, Closing Cost) 6 $585,000 $97,000 $250,000 $30,000 $57,000
Debt-To-Income Ratio 5 $395,000 $79,000 $220,000 $76,000 $136,000
Credit Application Incomplete 1 $85,000 $85,000 $85,000 $81,000 $81,000
Other 1 $50,000 $50,000 $50,000 $79,000 $79,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Dnb First, National Association's 2008 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 Dnb First, National Association'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.
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