First Commonwealth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Commonwealth Bank 2004 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 | 5,731 |
| Total Mortgage Loan Application Amount | $374,593,000 |
| Average Mortgage Loan Application Amount | $124,807 |
| Highest Mortgage Loan Application Amount | $26,750,000 |
| Average Applicant Income | $93,076 |
| Highest Applicant Income | $2,817,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 774 | $ 47,913,000 | $ 61,000 | $ 57,000 |
| Allegheny County Pennsylvania | 702 | $ 93,858,000 | $ 133,000 | $ 68,000 |
| Cambria County Pennsylvania | 638 | $ 32,205,000 | $ 50,000 | $ 53,000 |
| Blair County Pennsylvania | 528 | $ 25,460,000 | $ 48,000 | $ 40,000 |
| Indiana County Pennsylvania | 403 | $ 26,106,000 | $ 64,000 | $ 61,000 |
| Clearfield County Pennsylvania | 377 | $ 19,267,000 | $ 51,000 | $ 41,000 |
| Bedford County Pennsylvania | 375 | $ 18,142,000 | $ 48,000 | $ 47,000 |
| Somerset County Pennsylvania | 364 | $ 15,184,000 | $ 41,000 | $ 58,000 |
| Jefferson County Pennsylvania | 346 | $ 14,402,000 | $ 41,000 | $ 51,000 |
| Lawrence County Pennsylvania | 242 | $ 15,967,000 | $ 65,000 | $ 50,000 |
| Elk County Pennsylvania | 233 | $ 10,187,000 | $ 43,000 | $ 41,000 |
| Huntingdon County Pennsylvania | 150 | $ 6,939,000 | $ 46,000 | $ 51,000 |
| Armstrong County Pennsylvania | 129 | $ 6,301,000 | $ 48,000 | $ 43,000 |
| Butler County Pennsylvania | 105 | $ 12,289,000 | $ 117,000 | $ 59,000 |
| Washington County Pennsylvania | 81 | $ 5,325,000 | $ 65,000 | $ 44,000 |
| Beaver County Pennsylvania | 58 | $ 4,627,000 | $ 79,000 | $ 49,000 |
| Centre County Pennsylvania | 31 | $ 2,055,000 | $ 66,000 | $ 50,000 |
| Fayette County Pennsylvania | 25 | $ 1,540,000 | $ 61,000 | $ 51,000 |
| Clarion County Pennsylvania | 18 | $ 1,569,000 | $ 87,000 | $ 62,000 |
| Erie County Pennsylvania | 17 | $ 1,615,000 | $ 95,000 | $ 43,000 |
| Mifflin County Pennsylvania | 14 | $ 310,000 | $ 22,000 | $ 28,000 |
| Cameron County Pennsylvania | 13 | $ 577,000 | $ 44,000 | $ 53,000 |
| Mercer County Pennsylvania | 10 | $ 1,030,000 | $ 103,000 | $ 63,000 |
| Franklin County Pennsylvania | 7 | $ 571,000 | $ 81,000 | $ 45,000 |
| Potter County Pennsylvania | 5 | $ 187,000 | $ 37,000 | $ 38,000 |
| McKean County Pennsylvania | 4 | $ 188,000 | $ 47,000 | $ 63,000 |
| Escambia County Florida | 3 | $ 1,164,000 | $ 388,000 | $ 302,000 |
| Allegany County Maryland | 3 | $ 124,000 | $ 41,000 | $ 28,000 |
| Mahoning County Ohio | 3 | $ 49,000 | $ 16,000 | $ 34,000 |
| Bradford County Pennsylvania | 3 | $ 240,000 | $ 80,000 | $ 29,000 |
| Fulton County Pennsylvania | 3 | $ 182,000 | $ 60,000 | $ 49,000 |
| Venango County Pennsylvania | 3 | $ 74,000 | $ 24,000 | $ 50,000 |
| York County Pennsylvania | 3 | $ 290,000 | $ 96,000 | $ 66,000 |
| Horry County South Carolina | 3 | $ 607,000 | $ 202,000 | $ 76,000 |
| Brooke County West Virginia | 3 | $ 289,000 | $ 96,000 | $ 36,000 |
| Okaloosa County Florida | 2 | $ 147,000 | $ 73,000 | $ 61,000 |
| Palm Beach County Florida | 2 | $ 534,000 | $ 267,000 | $ 9,000 |
| Anne Arundel County Maryland | 2 | $ 604,000 | $ 302,000 | $ 100,000 |
| Montgomery County Maryland | 2 | $ 605,000 | $ 302,000 | $ 114,000 |
| Cape May County New Jersey | 2 | $ 1,256,000 | $ 628,000 | $ 134,000 |
| Chester County Pennsylvania | 2 | $ 498,000 | $ 249,000 | $ 269,000 |
| Crawford County Pennsylvania | 2 | $ 72,000 | $ 36,000 | $ 48,000 |
| Forest County Pennsylvania | 2 | $ 123,000 | $ 61,000 | $ 60,000 |
| Warren County Pennsylvania | 2 | $ 15,000 | $ 7,000 | $ 28,000 |
| Maricopa County Arizona | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
| New Castle County Delaware | 1 | $ 127,000 | $ 127,000 | $ 88,000 |
| Broward County Florida | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Charlotte County Florida | 1 | $ 500,000 | $ 500,000 | $ 2,817,000 |
| Duval County Florida | 1 | $ 128,000 | $ 128,000 | $ 150,000 |
| Lee County Florida | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Manatee County Florida | 1 | $ 40,000 | $ 40,000 | $ 39,000 |
| Polk County Florida | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Volusia County Florida | 1 | $ 500,000 | $ 500,000 | $ 240,000 |
| Grundy County Illinois | 1 | $ 123,000 | $ 123,000 | $ 110,000 |
| Prince George's County Maryland | 1 | $ 7,000 | $ 7,000 | $ 56,000 |
| Washington County Maryland | 1 | $ 117,000 | $ 117,000 | $ 54,000 |
| Worcester County Maryland | 1 | $ 211,000 | $ 211,000 | $ 58,000 |
| Suffolk County Massachusetts | 1 | $ 104,000 | $ 104,000 | $ 400,000 |
| Macomb County Michigan | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Oakland County Michigan | 1 | $ 20,000 | $ 20,000 | $ 200,000 |
| Cabarrus County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 79,000 |
| Wake County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 40,000 |
| Ashtabula County Ohio | 1 | $ 26,000 | $ 26,000 | $ 56,000 |
| Bucks County Pennsylvania | 1 | $ 392,000 | $ 392,000 | $ 87,000 |
| Clinton County Pennsylvania | 1 | $ 51,000 | $ 51,000 | $ 76,000 |
| Cumberland County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| Dauphin County Pennsylvania | 1 | $ 51,000 | $ 51,000 | $ 35,000 |
| Greene County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 44,000 |
| Juniata County Pennsylvania | 1 | $ 18,000 | $ 18,000 | $ 39,000 |
| Lancaster County Pennsylvania | 1 | $ 181,000 | $ 181,000 | $ 86,000 |
| Lebanon County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Luzerne County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Philadelphia County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Carter County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 150,000 | $ 150,000 | $ 93,000 |
| Staunton County Virginia | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2004
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 | 2,368 | $191,932,000 | $113,727 | $26,750,000 | $103,090 | $999,000 |
| Home Improvement | 1,872 | $43,104,000 | $25,800 | $485,000 | $74,600 | $1,200,000 |
| Home Purchase | 1,491 | $139,557,000 | $186,500 | $1,300,000 | $91,300 | $2,817,000 |
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 | 5,219 | $294,109,000 | $138,937 | $1,300,000 | $120,000 | $2,817,000 |
| Not applicable | 240 | $62,972,000 | $159,500 | $26,750,000 | $25,500 | $350,000 |
| Not Provided | 173 | $10,935,000 | $238,500 | $628,000 | $31,750 | $432,000 |
| Black or African American | 57 | $2,705,000 | $47,000 | $334,000 | $47,000 | $192,000 |
| Asian | 20 | $2,728,000 | $229,500 | $333,000 | $99,000 | $194,000 |
| Hispanic | 15 | $914,000 | $65,500 | $344,000 | $46,500 | $270,000 |
| American Indian or Alaskan Native | 4 | $183,000 | $45,000 | $75,000 | $35,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $47,000 | $15,000 | $24,000 | $37,000 | $56,000 |
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) | 5,719 | $373,691,000 | $142,187 | $26,750,000 | $103,375 | $2,817,000 |
| FHA-insured (Federal Housing Administration) | 12 | $902,000 | $75,000 | $134,000 | $40,000 | $86,000 |
| 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 | 3,925 | $256,191,000 | $155,428 | $26,750,000 | $112,714 | $2,817,000 |
| Application Denied By Financial Institution | 1,075 | $53,000,000 | $90,428 | $930,000 | $112,000 | $900,000 |
| Application Withdrawn By Applicant | 295 | $22,628,000 | $351,000 | $1,250,000 | $29,000 | $350,000 |
| Application Approved But Not Accepted | 239 | $12,670,000 | $53,000 | $385,000 | $54,000 | $300,000 |
| Loan Purchased By The Institution | 175 | $28,350,000 | $162,000 | $800,000 | $0 | $0 |
| File Closed For Incompleteness | 22 | $1,754,000 | $113,500 | $185,000 | $58,500 | $648,000 |
| 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 | 72 | $5,856,000 | $73,000 | $323,000 | $44,000 | $250,000 |
| Debt-To-Income Ratio | 66 | $6,771,000 | $216,000 | $392,000 | $74,500 | $114,000 |
| Collateral | 46 | $3,764,000 | $81,000 | $220,000 | $40,000 | $171,000 |
| Credit Application Incomplete | 10 | $1,055,000 | $193,000 | $388,000 | $242,000 | $550,000 |
| Other | 7 | $727,000 | $103,000 | $260,000 | $80,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $383,000 | $63,000 | $115,000 | $39,000 | $63,000 |
| Employment History | 2 | $155,000 | $77,000 | $140,000 | $45,000 | $65,000 |
| 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 2004 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.