First Commonwealth Bank Mortgage Lending & HMDA Data, 2025

In 2025, First Commonwealth Bank of Indiana, PA reported 7,595 mortgage applications totaling $1.1 billion, up 26% from 2024. The average application was for $146,453, and applicants reported an average income of $118,368. 62% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Pittsburgh, PA (2,759), Canton-Massillon, OH (590) and Columbus, OH (555) (applications in parentheses).

Mortgage Company & Address First Commonwealth Bank
Po Box 400
Indiana, PA 15701
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 7,595
Total Mortgage Loan Application Amount $1,112,315,000
Average Mortgage Loan Application Amount $146,453
Highest Mortgage Loan Application Amount $24,175,000
Average Applicant Income $118,368
Highest Applicant Income $1,957,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Commonwealth Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First Commonwealth Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 1,207 $ 164,675,000 $ 136,433 $ 129,000
Westmoreland, Pennsylvania 808 $ 89,880,000 $ 111,237 $ 113,000
Stark, Ohio 582 $ 71,180,000 $ 122,302 $ 98,000
Cambria, Pennsylvania 496 $ 42,560,000 $ 85,806 $ 85,000
Indiana, Pennsylvania 324 $ 29,570,000 $ 91,265 $ 85,000
Blair, Pennsylvania 295 $ 29,185,000 $ 98,932 $ 84,000
Delaware, Ohio 257 $ 50,345,000 $ 195,894 $ 188,000
Butler, Pennsylvania 245 $ 34,315,000 $ 140,061 $ 134,000
Somerset, Pennsylvania 239 $ 19,815,000 $ 82,907 $ 78,000
Lawrence, Pennsylvania 202 $ 18,500,000 $ 91,584 $ 96,000
Franklin, Ohio 197 $ 42,075,000 $ 213,578 $ 173,000
Clearfield, Pennsylvania 187 $ 15,795,000 $ 84,465 $ 88,000
Jefferson, Pennsylvania 185 $ 15,445,000 $ 83,486 $ 81,000
Lycoming, Pennsylvania 172 $ 17,710,000 $ 102,965 $ 102,000
Summit, Ohio 167 $ 35,985,000 $ 215,479 $ 129,000
Bedford, Pennsylvania 157 $ 12,405,000 $ 79,012 $ 85,000
Elk, Pennsylvania 130 $ 12,630,000 $ 97,153 $ 75,000
Hamilton, Ohio 126 $ 64,440,000 $ 511,428 $ 173,000
Washington, Pennsylvania 111 $ 15,745,000 $ 141,846 $ 142,000
Clinton, Pennsylvania 98 $ 7,360,000 $ 75,102 $ 91,000
Armstrong, Pennsylvania 94 $ 9,260,000 $ 98,510 $ 97,000
Cuyahoga, Ohio 83 $ 23,745,000 $ 286,084 $ 129,000
Mahoning, Ohio 80 $ 18,330,000 $ 229,125 $ 122,000
Beaver, Pennsylvania 66 $ 9,530,000 $ 144,393 $ 122,000
Clermont, Ohio 58 $ 12,410,000 $ 213,965 $ 158,000
Centre, Pennsylvania 56 $ 10,450,000 $ 186,607 $ 141,000
Portage, Ohio 50 $ 13,360,000 $ 267,200 $ 137,000
Columbiana, Ohio 49 $ 9,125,000 $ 186,224 $ 111,000
Butler, Ohio 40 $ 6,840,000 $ 171,000 $ 152,000
Dauphin, Pennsylvania 40 $ 8,430,000 $ 210,750 $ 138,000
Mercer, Pennsylvania 40 $ 3,060,000 $ 76,500 $ 93,000
Warren, Ohio 38 $ 12,350,000 $ 325,000 $ 208,000
Ashtabula, Ohio 32 $ 2,990,000 $ 93,437 $ 102,000
Cumberland, Pennsylvania 32 $ 8,230,000 $ 257,187 $ 180,000
Medina, Ohio 31 $ 11,385,000 $ 367,258 $ 350,000
Northumberland, Pennsylvania 30 $ 1,890,000 $ 63,000 $ 84,000
Morrow, Ohio 28 $ 5,440,000 $ 194,285 $ 195,000
Licking, Ohio 26 $ 8,160,000 $ 313,846 $ 184,000
Fayette, Pennsylvania 26 $ 3,820,000 $ 146,923 $ 96,000
Union, Ohio 22 $ 5,080,000 $ 230,909 $ 181,000
Union, Pennsylvania 22 $ 3,060,000 $ 139,090 $ 94,000
Lake, Ohio 21 $ 4,615,000 $ 219,761 $ 99,000
Knox, Ohio 20 $ 5,670,000 $ 283,500 $ 151,000
York, Pennsylvania 17 $ 4,655,000 $ 273,823 $ 82,000
Lorain, Ohio 15 $ 4,425,000 $ 295,000 $ 144,000
Lancaster, Pennsylvania 14 $ 2,350,000 $ 167,857 $ 111,000
Fairfield, Ohio 12 $ 2,420,000 $ 201,666 $ 147,000
Geauga, Ohio 12 $ 4,540,000 $ 378,333 $ 211,000
Trumbull, Ohio 12 $ 1,720,000 $ 143,333 $ 76,000
Clarion, Pennsylvania 11 $ 1,905,000 $ 173,181 $ 172,000
Huntingdon, Pennsylvania 11 $ 1,375,000 $ 125,000 $ 97,000
Marion, Ohio 10 $ 4,960,000 $ 496,000 $ 124,000
Kenton, Kentucky 9 $ 2,495,000 $ 277,222 $ 190,000
Muskingum, Ohio 9 $ 3,635,000 $ 403,888 $ 171,000
Richland, Ohio 9 $ 2,405,000 $ 267,222 $ 228,000
Wayne, Ohio 9 $ 2,025,000 $ 225,000 $ 200,000
Lehigh, Pennsylvania 9 $ 1,215,000 $ 135,000 $ 160,000
Carroll, Ohio 8 $ 920,000 $ 115,000 $ 82,000
Pickaway, Ohio 8 $ 1,650,000 $ 206,250 $ 301,000
Tuscarawas, Ohio 8 $ 1,500,000 $ 187,500 $ 201,000
Montour, Pennsylvania 8 $ 750,000 $ 93,750 $ 71,000
Montgomery, Ohio 6 $ 24,650,000 $ 4,108,333 $ 173,000
Forest, Pennsylvania 6 $ 1,280,000 $ 213,333 $ 132,000
Northampton, Pennsylvania 6 $ 550,000 $ 91,666 $ 111,000
Sarasota, Florida 5 $ 2,415,000 $ 483,000 $ 369,000
Campbell, Kentucky 5 $ 625,000 $ 125,000 $ 90,000
Greene, Ohio 5 $ 1,685,000 $ 337,000 $ 149,000
Lucas, Ohio 5 $ 905,000 $ 181,000 $ 130,000
Delaware, Pennsylvania 5 $ 815,000 $ 163,000 $ 137,000
Montgomery, Pennsylvania 5 $ 1,255,000 $ 251,000 $ 139,000
Perry, Pennsylvania 5 $ 205,000 $ 41,000 $ 128,000
Jessamine, Kentucky 4 $ 660,000 $ 165,000 $ 235,000
Guernsey, Ohio 4 $ 220,000 $ 55,000 $ 88,000
Jefferson, Ohio 4 $ 320,000 $ 80,000 $ 110,000
Madison, Ohio 4 $ 1,270,000 $ 317,500 $ 136,000
Berks, Pennsylvania 4 $ 620,000 $ 155,000 $ 149,000
Cameron, Pennsylvania 4 $ 160,000 $ 40,000 $ 52,000
Franklin, Pennsylvania 4 $ 330,000 $ 82,500 $ 109,000
Hancock, West Virginia 4 $ 380,000 $ 95,000 $ 58,000
Palm Beach, Florida 3 $ 1,375,000 $ 458,333 $ 261,000
Ashland, Ohio 3 $ 1,275,000 $ 425,000 $ 162,000
Athens, Ohio 3 $ 315,000 $ 105,000 $ 143,000
Brown, Ohio 3 $ 525,000 $ 175,000 $ 116,000
Noble, Ohio 3 $ 225,000 $ 75,000 $ 74,000
Ottawa, Ohio 3 $ 605,000 $ 201,666 $ 474,000
Bucks, Pennsylvania 3 $ 1,395,000 $ 465,000 $ 265,000
Carbon, Pennsylvania 3 $ 335,000 $ 111,666 $ 111,000
Chester, Pennsylvania 3 $ 835,000 $ 278,333 $ 293,000
Fulton, Pennsylvania 3 $ 3,025,000 $ 1,008,333 $ 250,000
Lebanon, Pennsylvania 3 $ 545,000 $ 181,666 $ 52,000
McKean, Pennsylvania 3 $ 195,000 $ 65,000 $ 90,000
Bay, Florida 2 $ 700,000 $ 350,000 $ 102,000
Broward, Florida 2 $ 1,060,000 $ 530,000 $ 360,000
Charlotte, Florida 2 $ 800,000 $ 400,000 $ 144,000
Collier, Florida 2 $ 910,000 $ 455,000 $ 336,000
Fulton, Georgia 2 $ 1,610,000 $ 805,000 $ 372,000
Cook, Illinois 2 $ 2,930,000 $ 1,465,000 $ 708,000
Allen, Indiana 2 $ 320,000 $ 160,000 $ 62,000
Boone, Kentucky 2 $ 780,000 $ 390,000 $ 125,000
Anoka, Minnesota 2 $ 970,000 $ 485,000 $ 1,957,000
Cape May, New Jersey 2 $ 850,000 $ 425,000 $ 688,000
Auglaize, Ohio 2 $ 530,000 $ 265,000 $ 301,000
Clinton, Ohio 2 $ 280,000 $ 140,000 $ 79,000
Coshocton, Ohio 2 $ 320,000 $ 160,000 $ 29,000
Sandusky, Ohio 2 $ 1,310,000 $ 655,000 $ 42,000
Columbia, Pennsylvania 2 $ 750,000 $ 375,000 $ 118,000
Crawford, Pennsylvania 2 $ 270,000 $ 135,000 $ 221,000
Erie, Pennsylvania 2 $ 260,000 $ 130,000 $ 75,000
Greene, Pennsylvania 2 $ 30,000 $ 15,000 $ 48,000
Mifflin, Pennsylvania 2 $ 130,000 $ 65,000 $ 78,000
Monroe, Pennsylvania 2 $ 300,000 $ 150,000 $ 123,000
Philadelphia, Pennsylvania 2 $ 400,000 $ 200,000 $ 63,000
Sullivan, Pennsylvania 2 $ 410,000 $ 205,000 $ 112,000
Cabell, West Virginia 2 $ 210,000 $ 105,000 $ 38,000
Preston, West Virginia 2 $ 290,000 $ 145,000 $ 315,000
Southeastern Connecticut Planning Region, Connecticut 1 $ 1,505,000 $ 1,505,000 $ 1,180,000
New Castle, Delaware 1 $ 335,000 $ 335,000 $ 104,000
Indian River, Florida 1 $ 85,000 $ 85,000 $ 283,000
Manatee, Florida 1 $ 105,000 $ 105,000 $ 293,000
Osceola, Florida 1 $ 255,000 $ 255,000 $ 442,000
Jackson, Georgia 1 $ 365,000 $ 365,000 $ 175,000
Franklin, Indiana 1 $ 355,000 $ 355,000 $ 279,000
Hamilton, Indiana 1 $ 305,000 $ 305,000 $ 75,000
Henry, Indiana 1 $ 45,000 $ 45,000 $ 72,000
Ripley, Indiana 1 $ 735,000 $ 735,000 $ 173,000
St. Joseph, Indiana 1 $ 495,000 $ 495,000 $ 649,000
Wyandotte, Kansas 1 $ 245,000 $ 245,000 $ 100,000
Fayette, Kentucky 1 $ 475,000 $ 475,000 $ 231,000
Grant, Kentucky 1 $ 225,000 $ 225,000 $ 49,000
Greenup, Kentucky 1 $ 55,000 $ 55,000 $ 54,000
Scott, Kentucky 1 $ 395,000 $ 395,000 $ 163,000
Warren, Kentucky 1 $ 805,000 $ 805,000 $ 580,000
Wayne, Kentucky 1 $ 195,000 $ 195,000 $ 60,000
Wayne, Michigan 1 $ 105,000 $ 105,000 $ 129,000
Madison, Montana 1 $ 305,000 $ 305,000 $ 291,000
Currituck, North Carolina 1 $ 195,000 $ 195,000 $ 114,000
Moore, North Carolina 1 $ 345,000 $ 345,000 $ 181,000
New Hanover, North Carolina 1 $ 405,000 $ 405,000 $ 146,000
Clark, Ohio 1 $ 35,000 $ 35,000 $ 66,000
Crawford, Ohio 1 $ 375,000 $ 375,000 $ 101,000
Defiance, Ohio 1 $ 45,000 $ 45,000 $ 86,000
Fayette, Ohio 1 $ 135,000 $ 135,000 $ 38,000
Gallia, Ohio 1 $ 215,000 $ 215,000 $ 177,000
Hancock, Ohio 1 $ 335,000 $ 335,000 $ 79,000
Hardin, Ohio 1 $ 15,000 $ 15,000 $ 92,000
Harrison, Ohio 1 $ 25,000 $ 25,000 $ 50,000
Highland, Ohio 1 $ 95,000 $ 95,000 $ 260,000
Hocking, Ohio 1 $ 155,000 $ 155,000 $ 412,000
Holmes, Ohio 1 $ 325,000 $ 325,000 $ 139,000
Logan, Ohio 1 $ 85,000 $ 85,000 $ 53,000
Miami, Ohio 1 $ 85,000 $ 85,000 $ 128,000
Morgan, Ohio 1 $ 145,000 $ 145,000 $ 68,000
Putnam, Ohio 1 $ 45,000 $ 45,000 $ 194,000
Scioto, Ohio 1 $ 205,000 $ 205,000 $ 281,000
Lackawanna, Pennsylvania 1 $ 435,000 $ 435,000 $ 173,000
Pike, Pennsylvania 1 $ 155,000 $ 155,000 $ 68,000
Schuylkill, Pennsylvania 1 $ 105,000 $ 105,000 $ 60,000
Snyder, Pennsylvania 1 $ 55,000 $ 55,000 $ 35,000
Tioga, Pennsylvania 1 $ 115,000 $ 115,000 $ 166,000
Venango, Pennsylvania 1 $ 105,000 $ 105,000 $ 14,000
Warren, Pennsylvania 1 $ 105,000 $ 105,000 $ 60,000
Oconee, South Carolina 1 $ 205,000 $ 205,000 $ 110,000
Marion, Tennessee 1 $ 415,000 $ 415,000 $ 151,000
Sequatchie, Tennessee 1 $ 135,000 $ 135,000 $ 58,000
Williamson, Texas 1 $ 295,000 $ 295,000 $ 257,000
Ohio, West Virginia 1 $ 85,000 $ 85,000 $ 79,000
Webster, West Virginia 1 $ 15,000 $ 15,000 $ 32,000

Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2025

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 Improvement 2,220 $189,510,000 $85,000 $895,000 $109,000 $1,260,000
Refinancing 1,971 $306,305,000 $155,000 $4,005,000 $138,000 $1,794,000
Home Purchase 1,817 $488,465,000 $268,000 $24,175,000 $121,000 $1,957,000
Other Purpose 1,509 $111,615,000 $73,000 $1,505,000 $103,000 $1,486,000
Cash-out Refinancing 78 $16,420,000 $210,000 $745,000 $125,000 $829,000
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 6,553 $866,835,000 $132,000 $2,505,000 $117,000 $1,957,000
Not Provided 386 $50,350,000 $130,000 $1,005,000 $137,000 $1,470,000
Black or African American 252 $29,710,000 $117,000 $665,000 $83,000 $559,000
Hispanic 139 $23,925,000 $172,000 $975,000 $119,000 $766,000
Not applicable 122 $109,140,000 $894,000 $24,175,000 $38,000 $41,000
Asian 113 $29,045,000 $257,000 $805,000 $183,000 $745,000
American Indian or Alaskan Native 28 $2,720,000 $97,000 $395,000 $85,000 $289,000
Native Hawaiian or Other Pacific Islander 2 $590,000 $295,000 $305,000 $73,000 $74,000

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) 7,280 $1,055,320,000 $144,000 $24,175,000 $120,000 $1,957,000
FHA-insured (Federal Housing Administration) 219 $38,005,000 $173,000 $635,000 $70,000 $277,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 54 $7,330,000 $135,000 $245,000 $63,000 $107,000
VA-guaranteed (Veterans Administration) 42 $11,660,000 $277,000 $775,000 $103,000 $276,000

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 4,683 $767,025,000 $163,000 $24,175,000 $131,000 $1,957,000
Application Denied By Financial Institution 1,796 $191,060,000 $106,000 $1,805,000 $90,000 $1,620,000
Application Withdrawn By Applicant 525 $74,475,000 $141,000 $2,655,000 $101,000 $717,000
Application Approved But Not Accepted 310 $44,720,000 $144,000 $1,505,000 $124,000 $1,180,000
File Closed For Incompleteness 265 $32,435,000 $122,000 $895,000 $115,000 $766,000
Preapproval Denied by Financial Institution 13 $2,115,000 $162,000 $465,000 $56,000 $94,000
Loan Purchased By The Institution 2 $370,000 $185,000 $185,000 $38,000 $41,000
Preapproval Approved but not Accepted 1 $115,000 $115,000 $115,000 $69,000 $69,000

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 5,786 $919,140,000 $158,000 $24,175,000 $127,000 $1,957,000
Credit History 940 $72,590,000 $77,000 $735,000 $87,000 $1,620,000
Debt-To-Income Ratio 498 $67,230,000 $135,000 $1,005,000 $69,000 $851,000
Collateral 186 $18,880,000 $101,000 $745,000 $120,000 $807,000
Other 135 $22,995,000 $170,000 $1,775,000 $150,000 $1,160,000
Credit Application Incomplete 24 $7,330,000 $305,000 $1,805,000 $149,000 $578,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,420,000 $172,000 $435,000 $77,000 $176,000
Unverifiable Information 6 $950,000 $158,000 $515,000 $20,000 $73,000
Employment History 6 $780,000 $130,000 $275,000 $69,000 $91,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commonwealth Bank's 2025 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 First Commonwealth Bank'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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