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records Dnb First, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, PA | 139 | $ 21,315,000 | $ 153,345 | $ 85,000 |
| Dover, DE | 13 | $ 533,000 | $ 41,000 | $ 52,000 |
| Albany-Schenectady-Troy, NY | 12 | $ 330,000 | $ 27,500 | $ 68,000 |
| Baltimore-Towson, MD | 11 | $ 452,000 | $ 41,090 | $ 65,000 |
| Burlington-South Burlington, VT | 9 | $ 314,000 | $ 34,888 | $ 54,000 |
| Lancaster, PA | 9 | $ 404,000 | $ 44,888 | $ 55,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 270,000 | $ 30,000 | $ 83,222 |
| Pittsburgh, PA | 8 | $ 229,000 | $ 28,625 | $ 44,000 |
| York-Hanover, PA | 8 | $ 619,000 | $ 77,375 | $ 158,000 |
| Columbus, OH | 7 | $ 235,000 | $ 33,571 | $ 47,000 |
| Charleston, WV | 6 | $ 321,000 | $ 53,500 | $ 50,000 |
| Rochester, NY | 6 | $ 291,000 | $ 48,500 | $ 45,000 |
| Canton-Massillon, OH | 5 | $ 255,000 | $ 51,000 | $ 60,000 |
| Harrisburg-Carlisle, PA | 5 | $ 143,000 | $ 28,600 | $ 37,000 |
| Reading, PA | 5 | $ 282,000 | $ 56,400 | $ 67,000 |
| Toledo, OH | 5 | $ 116,000 | $ 23,200 | $ 42,000 |
| Akron, OH | 4 | $ 108,000 | $ 27,000 | $ 40,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 876,000 | $ 219,000 | $ 214,000 |
| Binghamton, NY | 4 | $ 242,000 | $ 60,500 | $ 53,000 |
| Scranton--Wilkes-Barre, PA | 4 | $ 51,000 | $ 12,750 | $ 45,000 |
| Wilmington, DE-MD-NJ | 4 | $ 142,000 | $ 35,500 | $ 68,500 |
| Bangor, ME | 3 | $ 151,000 | $ 50,333 | $ 54,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 45,000 | $ 15,000 | $ 51,000 |
| Kingston, NY | 3 | $ 164,000 | $ 54,666 | $ 73,000 |
| Louisville-Jefferson County, KY-IN | 3 | $ 66,000 | $ 22,000 | $ 30,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 156,000 | $ 52,000 | $ 38,000 |
| Ann Arbor, MI | 2 | $ 59,000 | $ 29,500 | $ 68,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 56,000 | $ 28,000 | $ 62,500 |
| Dayton, OH | 2 | $ 58,000 | $ 29,000 | $ 27,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 64,000 | $ 32,000 | $ 64,000 |
| Evansville, IN-KY | 2 | $ 88,000 | $ 44,000 | $ 85,000 |
| Glens Falls, NY | 2 | $ 158,000 | $ 79,000 | $ 59,000 |
| Indianapolis-Carmel, IN | 2 | $ 54,000 | $ 27,000 | $ 29,000 |
| Johnstown, PA | 2 | $ 124,000 | $ 62,000 | $ 38,000 |
| Morgantown, WV | 2 | $ 80,000 | $ 40,000 | $ 27,000 |
| Richmond, VA | 2 | $ 171,000 | $ 85,500 | $ 64,000 |
| Salisbury, MD | 2 | $ 154,000 | $ 77,000 | $ 103,000 |
| Altoona, PA | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Anderson, IN | 1 | $ 42,000 | $ 42,000 | $ 32,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 97,000 | $ 97,000 | $ 62,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Cumberland, MD-WV | 1 | $ 38,000 | $ 38,000 | $ 56,000 |
| Danville, VA | 1 | $ 46,000 | $ 46,000 | $ 93,000 |
| Elkhart-Goshen, IN | 1 | $ 31,000 | $ 31,000 | $ 81,000 |
| Erie, PA | 1 | $ 11,000 | $ 11,000 | $ 35,000 |
| Harrisonburg, VA | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Holland-Grand Haven, MI | 1 | $ 14,000 | $ 14,000 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Ithaca, NY | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Lynchburg, VA | 1 | $ 30,000 | $ 30,000 | $ 30,000 |
| Mansfield, OH | 1 | $ 36,000 | $ 36,000 | $ 22,000 |
| Monroe, MI | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 1,260,000 | $ 1,260,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Syracuse, NY | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 79,000 | $ 79,000 | $ 67,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| Wheeling, WV-OH | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| Winchester, VA-WV | 1 | $ 39,000 | $ 39,000 | $ 90,000 |
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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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