First Commonwealth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
First Commonwealth Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Commonwealth Bank Po Box 400 Indiana, PA 15701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 7,202 |
| Total Mortgage Loan Application Amount | $382,687,000 |
| Average Mortgage Loan Application Amount | $150,846 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $100,230 |
| Highest Applicant Income | $3,359,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with First Commonwealth Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Commonwealth Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down First Commonwealth Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Commonwealth Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Commonwealth Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Commonwealth Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Westmoreland County Pennsylvania | 1,082 | $ 58,091,000 | $ 53,000 | $ 46,000 |
| Cambria County Pennsylvania | 882 | $ 46,674,000 | $ 52,000 | $ 75,000 |
| Blair County Pennsylvania | 736 | $ 35,719,000 | $ 48,000 | $ 40,000 |
| Clearfield County Pennsylvania | 521 | $ 24,413,000 | $ 46,000 | $ 53,000 |
| Indiana County Pennsylvania | 511 | $ 28,102,000 | $ 54,000 | $ 50,000 |
| Bedford County Pennsylvania | 471 | $ 22,041,000 | $ 46,000 | $ 49,000 |
| Somerset County Pennsylvania | 459 | $ 21,639,000 | $ 47,000 | $ 70,000 |
| Jefferson County Pennsylvania | 435 | $ 17,169,000 | $ 39,000 | $ 49,000 |
| Lawrence County Pennsylvania | 386 | $ 20,076,000 | $ 52,000 | $ 54,000 |
| Allegheny County Pennsylvania | 375 | $ 27,940,000 | $ 74,000 | $ 59,000 |
| Elk County Pennsylvania | 348 | $ 17,409,000 | $ 50,000 | $ 43,000 |
| Huntingdon County Pennsylvania | 246 | $ 11,519,000 | $ 46,000 | $ 44,000 |
| Armstrong County Pennsylvania | 178 | $ 6,765,000 | $ 38,000 | $ 44,000 |
| Washington County Pennsylvania | 102 | $ 7,016,000 | $ 68,000 | $ 73,000 |
| Franklin County Pennsylvania | 82 | $ 6,596,000 | $ 80,000 | $ 49,000 |
| Beaver County Pennsylvania | 62 | $ 2,528,000 | $ 40,000 | $ 49,000 |
| Centre County Pennsylvania | 58 | $ 3,294,000 | $ 56,000 | $ 48,000 |
| Butler County Pennsylvania | 49 | $ 3,675,000 | $ 75,000 | $ 80,000 |
| Fayette County Pennsylvania | 29 | $ 2,158,000 | $ 74,000 | $ 48,000 |
| Fulton County Pennsylvania | 17 | $ 1,348,000 | $ 79,000 | $ 76,000 |
| Mifflin County Pennsylvania | 16 | $ 591,000 | $ 36,000 | $ 36,000 |
| Cameron County Pennsylvania | 15 | $ 638,000 | $ 42,000 | $ 50,000 |
| Clarion County Pennsylvania | 14 | $ 673,000 | $ 48,000 | $ 51,000 |
| Mercer County Pennsylvania | 11 | $ 1,880,000 | $ 170,000 | $ 119,000 |
| Cumberland County Pennsylvania | 10 | $ 1,025,000 | $ 102,000 | $ 62,000 |
| Crawford County Pennsylvania | 6 | $ 275,000 | $ 45,000 | $ 48,000 |
| Washington County Maryland | 5 | $ 846,000 | $ 169,000 | $ 163,000 |
| Mahoning County Ohio | 5 | $ 206,000 | $ 41,000 | $ 50,000 |
| Potter County Pennsylvania | 5 | $ 371,000 | $ 74,000 | $ 59,000 |
| York County Pennsylvania | 5 | $ 717,000 | $ 143,000 | $ 124,000 |
| Adams County Pennsylvania | 3 | $ 142,000 | $ 47,000 | $ 17,000 |
| Dauphin County Pennsylvania | 3 | $ 260,000 | $ 86,000 | $ 66,000 |
| Forest County Pennsylvania | 3 | $ 112,000 | $ 37,000 | $ 28,000 |
| Lancaster County Pennsylvania | 3 | $ 41,000 | $ 13,000 | $ 84,000 |
| Horry County South Carolina | 3 | $ 437,000 | $ 145,000 | $ 79,000 |
| Suffolk County Massachusetts | 2 | $ 231,000 | $ 115,000 | $ 165,000 |
| Chester County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 187,000 |
| Venango County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 39,000 |
| Beaufort County South Carolina | 2 | $ 1,051,000 | $ 525,000 | $ 646,000 |
| Rutland County Vermont | 2 | $ 238,000 | $ 119,000 | $ 122,000 |
| Richmond City County Virginia | 2 | $ 240,000 | $ 120,000 | $ 183,000 |
| Berkeley County West Virginia | 2 | $ 233,000 | $ 116,000 | $ 82,000 |
| Barbour County Alabama | 1 | $ 51,000 | $ 51,000 | $ 22,000 |
| Pike County Alabama | 1 | $ 57,000 | $ 57,000 | $ 43,000 |
| Sussex County Delaware | 1 | $ 284,000 | $ 284,000 | $ 44,000 |
| District of Columbia County District Of Columbia | 1 | $ 616,000 | $ 616,000 | $ 125,000 |
| Brevard County Florida | 1 | $ 323,000 | $ 323,000 | $ 340,000 |
| Duval County Florida | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Sarasota County Florida | 1 | $ 500,000 | $ 500,000 | $ 160,000 |
| St. Johns County Florida | 1 | $ 217,000 | $ 217,000 | $ 172,000 |
| St. Lucie County Florida | 1 | $ 100,000 | $ 100,000 | $ 63,000 |
| Volusia County Florida | 1 | $ 300,000 | $ 300,000 | $ 547,000 |
| Cherokee County Georgia | 1 | $ 222,000 | $ 222,000 | $ 170,000 |
| Sangamon County Illinois | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Clark County Indiana | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Morgan County Indiana | 1 | $ 29,000 | $ 29,000 | $ 71,000 |
| Allegany County Maryland | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Frederick County Maryland | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Garrett County Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Howard County Maryland | 1 | $ 449,000 | $ 449,000 | $ 201,000 |
| Prince George's County Maryland | 1 | $ 163,000 | $ 163,000 | $ 55,000 |
| Worcester County Maryland | 1 | $ 236,000 | $ 236,000 | $ 60,000 |
| Leelanau County Michigan | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Bergen County New Jersey | 1 | $ 229,000 | $ 229,000 | $ 34,000 |
| Chautauqua County New York | 1 | $ 198,000 | $ 198,000 | $ 57,000 |
| Delaware County New York | 1 | $ 101,000 | $ 101,000 | $ 33,000 |
| Montgomery County New York | 1 | $ 190,000 | $ 190,000 | $ 142,000 |
| Oswego County New York | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Currituck County North Carolina | 1 | $ 268,000 | $ 268,000 | $ 77,000 |
| Dare County North Carolina | 1 | $ 322,000 | $ 322,000 | $ 140,000 |
| New Hanover County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 262,000 |
| Kidder County North Dakota | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Hancock County Ohio | 1 | $ 108,000 | $ 108,000 | $ 78,000 |
| Portage County Ohio | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Stark County Ohio | 1 | $ 98,000 | $ 98,000 | $ 54,000 |
| Berks County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Clinton County Pennsylvania | 1 | $ 34,000 | $ 34,000 | $ 65,000 |
| Delaware County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 59,000 |
| Lehigh County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 70,000 |
| McKean County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 31,000 |
| Northampton County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 110,000 |
| Northumberland County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 295,000 |
| Susquehanna County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 350,000 |
| El Paso County Texas | 1 | $ 133,000 | $ 133,000 | $ 75,000 |
| Hutchinson County Texas | 1 | $ 72,000 | $ 72,000 | $ 47,000 |
| Travis County Texas | 1 | $ 108,000 | $ 108,000 | $ 52,000 |
| Loudoun County Virginia | 1 | $ 368,000 | $ 368,000 | $ 90,000 |
| Shenandoah County Virginia | 1 | $ 147,000 | $ 147,000 | $ 86,000 |
| Stafford County Virginia | 1 | $ 88,000 | $ 88,000 | $ 120,000 |
| Hancock County West Virginia | 1 | $ 49,000 | $ 49,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 4,306 | $278,778,000 | $150,764 | $1,000,000 | $139,705 | $3,359,000 |
| Home Improvement (one-to-four family) | 1,897 | $28,221,000 | $25,750 | $300,000 | $69,500 | $781,000 |
| Home Purchase (one-to-four family) | 979 | $72,258,000 | $179,176 | $616,000 | $73,882 | $1,293,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 20 | $3,430,000 | $171,000 | $1,100,000 | $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 | 6,696 | $350,382,000 | $164,476 | $1,100,000 | $97,380 | $3,359,000 |
| Information not provided by applicant in mail or telephone application | 367 | $21,411,000 | $98,000 | $298,000 | $64,750 | $910,000 |
| Black | 53 | $1,841,000 | $42,500 | $144,000 | $34,000 | $129,000 |
| Not applicable | 34 | $3,965,000 | $116,000 | $500,000 | $87,000 | $570,000 |
| Asian or Pacific Islander | 17 | $2,485,000 | $288,000 | $449,000 | $172,500 | $400,000 |
| Hispanic | 16 | $992,000 | $86,500 | $184,000 | $111,000 | $185,000 |
| Other | 13 | $1,013,000 | $77,000 | $252,000 | $72,000 | $214,000 |
| American Indian or Alaskan Native | 6 | $598,000 | $99,000 | $210,000 | $44,000 | $85,000 |
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) | 7,176 | $380,918,000 | $166,818 | $1,100,000 | $98,181 | $3,359,000 |
| FHA-insured (Federal Housing Administration) | 26 | $1,769,000 | $68,000 | $156,000 | $34,000 | $72,000 |
| 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 | 5,332 | $281,154,000 | $176,842 | $1,100,000 | $105,631 | $3,359,000 |
| Application Denied By Financial Institution | 1,252 | $61,898,000 | $98,000 | $1,000,000 | $49,166 | $910,000 |
| Application Withdrawn By Applicant | 426 | $26,266,000 | $70,000 | $440,000 | $66,333 | $408,000 |
| Application Approved But Not Accepted | 132 | $8,281,000 | $167,200 | $500,000 | $141,800 | $400,000 |
| File Closed For Incompleteness | 60 | $5,088,000 | $84,000 | $245,000 | $67,000 | $348,000 |
| Loan Purchased By The 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 | 240 | $13,413,000 | $89,500 | $487,000 | $40,750 | $910,000 |
| Debt-To-Income Ratio | 224 | $16,786,000 | $151,500 | $1,000,000 | $36,000 | $157,000 |
| Collateral | 114 | $9,172,000 | $80,000 | $400,000 | $61,000 | $400,000 |
| Credit Application Incomplete | 36 | $3,966,000 | $110,000 | $553,000 | $87,000 | $500,000 |
| Other | 30 | $2,137,000 | $71,000 | $270,000 | $45,000 | $110,000 |
| Employment History | 23 | $1,471,000 | $63,000 | $290,000 | $46,000 | $267,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $252,000 | $63,000 | $81,000 | $35,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commonwealth Bank's 2003 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.