Dnb First, National Association Mortgage Lending & HMDA Data, 2019
In 2019, Dnb First, National Association of Downingtown, PA reported 171 mortgage applications totaling $67.7 million, down 28% from 2018. The average application was for $395,935, and applicants reported an average income of $164,450. 58% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (85), Philadelphia, PA (66) and New York-Newark, NY (4) (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 | 171 |
| Total Mortgage Loan Application Amount | $67,705,000 |
| Average Mortgage Loan Application Amount | $395,935 |
| Highest Mortgage Loan Application Amount | $5,815,000 |
| Average Applicant Income | $164,450 |
| Highest Applicant Income | $828,000 |
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records Dnb First, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County-Bucks County-Chester County, PA | 85 | $ 14,825,000 | $ 174,411 | $ 128,000 |
| Philadelphia, PA | 66 | $ 43,620,000 | $ 660,909 | $ 226,000 |
| New York-Newark, NY | 4 | $ 800,000 | $ 200,000 | $ 306,000 |
| Outside any metro area | 3 | $ 75,000 | $ 25,000 | $ 0 |
| Wilmington, DE-MD-NJ | 3 | $ 6,355,000 | $ 2,118,333 | $ 90,000 |
| Camden, NJ | 2 | $ 310,000 | $ 155,000 | $ 129,000 |
| Harrisburg-Carlisle, PA | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 245,000 | $ 245,000 | $ 333,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Reading, PA | 1 | $ 15,000 | $ 15,000 | $ 216,000 |
| Trenton, NJ | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Dnb First, National Association in 2019
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 | 52 | $23,770,000 | $457,000 | $5,155,000 | $174,000 | $767,000 |
| Cash-out Refinancing | 37 | $10,795,000 | $291,000 | $805,000 | $148,000 | $600,000 |
| Refinancing | 37 | $28,135,000 | $760,000 | $5,815,000 | $208,000 | $828,000 |
| Home Improvement | 32 | $3,790,000 | $118,000 | $635,000 | $132,000 | $405,000 |
| Other Purpose | 13 | $1,215,000 | $93,000 | $415,000 | $129,000 | $639,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 81 | $13,405,000 | $165,000 | $805,000 | $159,000 | $828,000 |
| Not applicable | 55 | $46,165,000 | $839,000 | $5,815,000 | $0 | $0 |
| Not Provided | 11 | $1,905,000 | $173,000 | $465,000 | $269,000 | $801,000 |
| Asian | 11 | $2,645,000 | $240,000 | $395,000 | $117,000 | $334,000 |
| Hispanic | 8 | $2,600,000 | $325,000 | $465,000 | $100,000 | $211,000 |
| Black or African American | 5 | $985,000 | $197,000 | $395,000 | $71,000 | $90,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 171 | $67,705,000 | $395,000 | $5,815,000 | $158,000 | $828,000 |
| 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 | 99 | $52,455,000 | $529,000 | $5,815,000 | $193,000 | $828,000 |
| Application Denied By Financial Institution | 41 | $9,225,000 | $225,000 | $805,000 | $107,000 | $405,000 |
| Application Withdrawn By Applicant | 30 | $6,010,000 | $200,000 | $635,000 | $159,000 | $600,000 |
| Application Approved But Not Accepted | 1 | $15,000 | $15,000 | $15,000 | $216,000 | $216,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 130 | $58,480,000 | $449,000 | $5,815,000 | $184,000 | $828,000 |
| Credit Application Incomplete | 19 | $5,905,000 | $310,000 | $805,000 | $140,000 | $405,000 |
| Debt-To-Income Ratio | 8 | $1,440,000 | $180,000 | $355,000 | $44,000 | $84,000 |
| Credit History | 7 | $1,155,000 | $165,000 | $365,000 | $121,000 | $405,000 |
| Collateral | 4 | $470,000 | $117,000 | $285,000 | $70,000 | $101,000 |
| Other | 2 | $170,000 | $85,000 | $155,000 | $52,000 | $64,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dnb First, National Association's 2019 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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