First Commonwealth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
First Commonwealth Bank 2018 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 | 9,475 |
| Total Mortgage Loan Application Amount | $1,194,355,000 |
| Average Mortgage Loan Application Amount | $124,200 |
| Highest Mortgage Loan Application Amount | $29,535,000 |
| Average Applicant Income | $86,600 |
| Highest Applicant Income | $4,554,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allegheny County Pennsylvania | 1,878 | $ 226,390,000 | $ 120,000 | $ 110,000 |
| Westmoreland County Pennsylvania | 1,296 | $ 123,590,000 | $ 95,000 | $ 84,000 |
| Cambria County Pennsylvania | 715 | $ 53,485,000 | $ 74,000 | $ 73,000 |
| Stark County Ohio | 657 | $ 78,415,000 | $ 119,000 | $ 86,000 |
| Indiana County Pennsylvania | 562 | $ 40,930,000 | $ 72,000 | $ 72,000 |
| Blair County Pennsylvania | 530 | $ 40,330,000 | $ 76,000 | $ 73,000 |
| Butler County Pennsylvania | 356 | $ 49,300,000 | $ 138,000 | $ 112,000 |
| Clearfield County Pennsylvania | 345 | $ 26,635,000 | $ 77,000 | $ 74,000 |
| Somerset County Pennsylvania | 343 | $ 30,235,000 | $ 88,000 | $ 79,000 |
| Delaware County Ohio | 323 | $ 50,765,000 | $ 157,000 | $ 121,000 |
| Franklin County Ohio | 291 | $ 85,875,000 | $ 295,000 | $ 156,000 |
| Lawrence County Pennsylvania | 244 | $ 22,060,000 | $ 90,000 | $ 87,000 |
| Jefferson County Pennsylvania | 241 | $ 18,615,000 | $ 77,000 | $ 73,000 |
| Bedford County Pennsylvania | 239 | $ 19,115,000 | $ 79,000 | $ 68,000 |
| Washington County Pennsylvania | 198 | $ 28,410,000 | $ 143,000 | $ 111,000 |
| Elk County Pennsylvania | 174 | $ 13,580,000 | $ 78,000 | $ 75,000 |
| Armstrong County Pennsylvania | 172 | $ 12,520,000 | $ 72,000 | $ 82,000 |
| Beaver County Pennsylvania | 125 | $ 13,245,000 | $ 105,000 | $ 97,000 |
| Summit County Ohio | 95 | $ 26,625,000 | $ 280,000 | $ 135,000 |
| Ashtabula County Ohio | 58 | $ 4,950,000 | $ 85,000 | $ 63,000 |
| Hamilton County Ohio | 51 | $ 22,215,000 | $ 435,000 | $ 151,000 |
| Medina County Ohio | 38 | $ 13,750,000 | $ 361,000 | $ 229,000 |
| Fayette County Pennsylvania | 35 | $ 2,895,000 | $ 82,000 | $ 86,000 |
| Cuyahoga County Ohio | 34 | $ 50,710,000 | $ 1,491,000 | $ 170,000 |
| Morrow County Ohio | 31 | $ 3,425,000 | $ 110,000 | $ 74,000 |
| Portage County Ohio | 31 | $ 8,645,000 | $ 278,000 | $ 139,000 |
| Licking County Ohio | 18 | $ 4,350,000 | $ 241,000 | $ 126,000 |
| Union County Ohio | 18 | $ 3,180,000 | $ 176,000 | $ 134,000 |
| Mercer County Pennsylvania | 18 | $ 1,890,000 | $ 105,000 | $ 99,000 |
| Carroll County Ohio | 17 | $ 2,125,000 | $ 125,000 | $ 101,000 |
| Huntingdon County Pennsylvania | 16 | $ 1,040,000 | $ 65,000 | $ 77,000 |
| Mahoning County Ohio | 15 | $ 2,465,000 | $ 164,000 | $ 99,000 |
| Columbiana County Ohio | 14 | $ 2,360,000 | $ 168,000 | $ 102,000 |
| Clermont County Ohio | 11 | $ 3,155,000 | $ 286,000 | $ 228,000 |
| Centre County Pennsylvania | 11 | $ 3,535,000 | $ 321,000 | $ 137,000 |
| Lorain County Ohio | 10 | $ 2,490,000 | $ 249,000 | $ 99,000 |
| Marion County Ohio | 9 | $ 825,000 | $ 91,000 | $ 51,000 |
| Warren County Ohio | 9 | $ 2,615,000 | $ 290,000 | $ 178,000 |
| Fairfield County Ohio | 8 | $ 1,930,000 | $ 241,000 | $ 107,000 |
| Wayne County Ohio | 8 | $ 1,870,000 | $ 233,000 | $ 109,000 |
| Clarion County Pennsylvania | 8 | $ 550,000 | $ 68,000 | $ 65,000 |
| Butler County Ohio | 7 | $ 1,895,000 | $ 270,000 | $ 112,000 |
| Knox County Ohio | 7 | $ 1,385,000 | $ 197,000 | $ 97,000 |
| Madison County Ohio | 7 | $ 855,000 | $ 122,000 | $ 118,000 |
| Pickaway County Ohio | 7 | $ 935,000 | $ 133,000 | $ 66,000 |
| Cameron County Pennsylvania | 7 | $ 745,000 | $ 106,000 | $ 43,000 |
| Lake County Ohio | 6 | $ 1,620,000 | $ 270,000 | $ 126,000 |
| Campbell County Kentucky | 5 | $ 1,885,000 | $ 377,000 | $ 172,000 |
| Geauga County Ohio | 5 | $ 1,195,000 | $ 239,000 | $ 101,000 |
| Trumbull County Ohio | 5 | $ 1,595,000 | $ 319,000 | $ 141,000 |
| Tuscarawas County Ohio | 5 | $ 475,000 | $ 95,000 | $ 111,000 |
| Dauphin County Pennsylvania | 5 | $ 825,000 | $ 165,000 | $ 86,000 |
| Fulton County Pennsylvania | 4 | $ 280,000 | $ 70,000 | $ 149,000 |
| Venango County Pennsylvania | 4 | $ 370,000 | $ 92,000 | $ 72,000 |
| Clark County Ohio | 3 | $ 755,000 | $ 251,000 | $ 308,000 |
| Huron County Ohio | 3 | $ 665,000 | $ 221,000 | $ 85,000 |
| Logan County Ohio | 3 | $ 795,000 | $ 265,000 | $ 223,000 |
| Miami County Ohio | 3 | $ 225,000 | $ 75,000 | $ 23,000 |
| Washington County Ohio | 3 | $ 525,000 | $ 175,000 | $ 88,000 |
| Crawford County Pennsylvania | 3 | $ 185,000 | $ 61,000 | $ 165,000 |
| McKean County Pennsylvania | 3 | $ 385,000 | $ 128,000 | $ 26,000 |
| Northampton County Pennsylvania | 3 | $ 795,000 | $ 265,000 | $ 218,000 |
| Philadelphia County Pennsylvania | 3 | $ 18,095,000 | $ 6,031,000 | $ 157,000 |
| Manatee County Florida | 2 | $ 470,000 | $ 235,000 | $ 308,000 |
| Sarasota County Florida | 2 | $ 630,000 | $ 315,000 | $ 265,000 |
| Walton County Florida | 2 | $ 550,000 | $ 275,000 | $ 429,000 |
| Cook County Illinois | 2 | $ 2,650,000 | $ 1,325,000 | $ 1,323,000 |
| Jefferson County Kentucky | 2 | $ 890,000 | $ 445,000 | $ 196,000 |
| Auglaize County Ohio | 2 | $ 350,000 | $ 175,000 | $ 111,000 |
| Champaign County Ohio | 2 | $ 160,000 | $ 80,000 | $ 39,000 |
| Coshocton County Ohio | 2 | $ 370,000 | $ 185,000 | $ 65,000 |
| Hancock County Ohio | 2 | $ 410,000 | $ 205,000 | $ 145,000 |
| Harrison County Ohio | 2 | $ 350,000 | $ 175,000 | $ 191,000 |
| Hocking County Ohio | 2 | $ 450,000 | $ 225,000 | $ 102,000 |
| Lucas County Ohio | 2 | $ 190,000 | $ 95,000 | $ 235,000 |
| Monroe County Ohio | 2 | $ 320,000 | $ 160,000 | $ 195,000 |
| Ross County Ohio | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| Clinton County Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 87,000 |
| Greene County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 135,000 |
| Lycoming County Pennsylvania | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Mifflin County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 62,000 |
| Beaufort County South Carolina | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Marion County West Virginia | 2 | $ 470,000 | $ 235,000 | $ 99,000 |
| Monongalia County West Virginia | 2 | $ 790,000 | $ 395,000 | $ 227,000 |
| New Castle County Delaware | 1 | $ 2,455,000 | $ 2,455,000 | $ 0 |
| Brevard County Florida | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Collier County Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Orange County Florida | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Pinellas County Florida | 1 | $ 505,000 | $ 505,000 | $ 422,000 |
| Volusia County Florida | 1 | $ 285,000 | $ 285,000 | $ 83,000 |
| Fulton County Georgia | 1 | $ 405,000 | $ 405,000 | $ 56,000 |
| Ada County Idaho | 1 | $ 405,000 | $ 405,000 | $ 136,000 |
| Blaine County Idaho | 1 | $ 605,000 | $ 605,000 | $ 1,225,000 |
| St. Joseph County Indiana | 1 | $ 165,000 | $ 165,000 | $ 1,023,000 |
| Boone County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Greenup County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Pendleton County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Chippewa County Michigan | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Newaygo County Michigan | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Lafayette County Mississippi | 1 | $ 585,000 | $ 585,000 | $ 3,599,000 |
| Cape May County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 206,000 |
| Chatham County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 238,000 |
| Stanly County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 302,000 |
| Ashland County Ohio | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Athens County Ohio | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Brown County Ohio | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Fayette County Ohio | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Guernsey County Ohio | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Highland County Ohio | 1 | $ 335,000 | $ 335,000 | $ 184,000 |
| Holmes County Ohio | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Jefferson County Ohio | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Meigs County Ohio | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Montgomery County Ohio | 1 | $ 27,185,000 | $ 27,185,000 | $ 0 |
| Noble County Ohio | 1 | $ 295,000 | $ 295,000 | $ 126,000 |
| Ottawa County Ohio | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| Perry County Ohio | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Preble County Ohio | 1 | $ 475,000 | $ 475,000 | $ 206,000 |
| Sandusky County Ohio | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Bucks County Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 103,000 |
| Chester County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Cumberland County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Erie County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 334,000 |
| Forest County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 36,000 |
| Lancaster County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 166,000 |
| Lehigh County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 244,000 |
| Luzerne County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Monroe County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Montgomery County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 72,000 |
| Potter County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Warren County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| York County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Horry County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 78,000 |
| Carter County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 147,000 |
| Grundy County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Hamilton County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 126,000 |
| Washington County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| Pocahontas County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Preston County West Virginia | 1 | $ 285,000 | $ 285,000 | $ 148,000 |
| Wood County West Virginia | 1 | $ 265,000 | $ 265,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2018
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 | 4,088 | $483,190,000 | $118,000 | $27,185,000 | $93,000 | $2,139,000 |
| Home Purchase | 2,234 | $523,220,000 | $234,000 | $29,535,000 | $111,000 | $4,554,000 |
| Other Purpose | 1,635 | $100,445,000 | $61,000 | $505,000 | $92,000 | $3,693,000 |
| Home Improvement | 1,515 | $87,045,000 | $57,000 | $3,485,000 | $83,000 | $1,494,000 |
| Cash-out Refinancing | 3 | $455,000 | $151,000 | $235,000 | $54,000 | $67,000 |
| 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 | 8,401 | $907,225,000 | $107,000 | $2,125,000 | $94,000 | $4,554,000 |
| Not Provided | 473 | $58,825,000 | $124,000 | $1,295,000 | $116,000 | $920,000 |
| Not applicable | 167 | $174,265,000 | $1,043,000 | $29,535,000 | $0 | $0 |
| Hispanic | 154 | $16,390,000 | $106,000 | $1,045,000 | $92,000 | $1,009,000 |
| Black or African American | 152 | $13,380,000 | $88,000 | $455,000 | $72,000 | $890,000 |
| Asian | 92 | $19,940,000 | $216,000 | $1,275,000 | $155,000 | $553,000 |
| American Indian or Alaskan Native | 26 | $1,760,000 | $67,000 | $225,000 | $66,000 | $306,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $970,000 | $242,000 | $785,000 | $185,000 | $268,000 |
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) | 9,038 | $1,140,470,000 | $126,000 | $29,535,000 | $97,000 | $4,554,000 |
| FHA-insured (Federal Housing Administration) | 310 | $37,480,000 | $120,000 | $355,000 | $57,000 | $183,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $7,200,000 | $94,000 | $235,000 | $44,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 51 | $9,205,000 | $180,000 | $425,000 | $77,000 | $200,000 |
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 | 5,920 | $866,190,000 | $146,000 | $29,535,000 | $103,000 | $4,554,000 |
| Application Denied By Financial Institution | 1,697 | $125,415,000 | $73,000 | $2,805,000 | $66,000 | $1,125,000 |
| Application Withdrawn By Applicant | 953 | $112,465,000 | $118,000 | $8,205,000 | $92,000 | $1,098,000 |
| File Closed For Incompleteness | 581 | $50,145,000 | $86,000 | $585,000 | $99,000 | $3,693,000 |
| Application Approved But Not Accepted | 309 | $32,085,000 | $103,000 | $455,000 | $108,000 | $2,355,000 |
| Loan Purchased By The Institution | 12 | $7,760,000 | $646,000 | $1,125,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 3 | $295,000 | $98,000 | $145,000 | $45,000 | $66,000 |
| Preapproval Approved but not Accepted | 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 | 7,775 | $1,068,645,000 | $137,000 | $29,535,000 | $101,000 | $4,554,000 |
| Credit History | 705 | $36,825,000 | $52,000 | $605,000 | $67,000 | $1,125,000 |
| Debt-To-Income Ratio | 399 | $34,765,000 | $87,000 | $485,000 | $42,000 | $325,000 |
| Collateral | 397 | $31,345,000 | $78,000 | $2,505,000 | $83,000 | $1,001,000 |
| Other | 159 | $18,935,000 | $119,000 | $2,805,000 | $77,000 | $407,000 |
| Employment History | 15 | $1,025,000 | $68,000 | $135,000 | $55,000 | $134,000 |
| Unverifiable Information | 12 | $1,270,000 | $105,000 | $395,000 | $78,000 | $495,000 |
| Credit Application Incomplete | 5 | $615,000 | $123,000 | $265,000 | $73,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $495,000 | $99,000 | $245,000 | $59,000 | $129,000 |
| Mortgage Insurance Denied | 3 | $435,000 | $145,000 | $275,000 | $47,000 | $75,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commonwealth Bank's 2018 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.