First Commonwealth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
First Commonwealth Bank 2019 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 | 10,465 |
| Total Mortgage Loan Application Amount | $1,387,405,000 |
| Average Mortgage Loan Application Amount | $127,750 |
| Highest Mortgage Loan Application Amount | $53,475,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $3,919,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 2,026 | $ 286,520,000 | $ 141,000 | $ 109,000 |
| Westmoreland County Pennsylvania | 1,227 | $ 118,855,000 | $ 96,000 | $ 87,000 |
| Cambria County Pennsylvania | 762 | $ 56,600,000 | $ 74,000 | $ 77,000 |
| Stark County Ohio | 615 | $ 73,775,000 | $ 119,000 | $ 93,000 |
| Blair County Pennsylvania | 591 | $ 44,325,000 | $ 75,000 | $ 67,000 |
| Indiana County Pennsylvania | 458 | $ 39,310,000 | $ 85,000 | $ 81,000 |
| Butler County Pennsylvania | 437 | $ 66,825,000 | $ 152,000 | $ 117,000 |
| Somerset County Pennsylvania | 425 | $ 31,865,000 | $ 74,000 | $ 70,000 |
| Delaware County Ohio | 417 | $ 71,615,000 | $ 171,000 | $ 141,000 |
| Clearfield County Pennsylvania | 333 | $ 28,205,000 | $ 84,000 | $ 90,000 |
| Franklin County Ohio | 326 | $ 126,640,000 | $ 388,000 | $ 144,000 |
| Lawrence County Pennsylvania | 312 | $ 27,180,000 | $ 87,000 | $ 77,000 |
| Jefferson County Pennsylvania | 280 | $ 21,860,000 | $ 78,000 | $ 68,000 |
| Bedford County Pennsylvania | 265 | $ 24,105,000 | $ 90,000 | $ 63,000 |
| Washington County Pennsylvania | 217 | $ 29,725,000 | $ 136,000 | $ 119,000 |
| Elk County Pennsylvania | 182 | $ 14,510,000 | $ 79,000 | $ 73,000 |
| Armstrong County Pennsylvania | 171 | $ 13,725,000 | $ 80,000 | $ 72,000 |
| Beaver County Pennsylvania | 147 | $ 16,165,000 | $ 109,000 | $ 121,000 |
| Summit County Ohio | 98 | $ 28,060,000 | $ 286,000 | $ 172,000 |
| Cuyahoga County Ohio | 94 | $ 25,800,000 | $ 274,000 | $ 192,000 |
| Ashtabula County Ohio | 80 | $ 8,710,000 | $ 108,000 | $ 68,000 |
| Hamilton County Ohio | 80 | $ 26,310,000 | $ 328,000 | $ 168,000 |
| Morrow County Ohio | 52 | $ 5,810,000 | $ 111,000 | $ 102,000 |
| Medina County Ohio | 51 | $ 13,285,000 | $ 260,000 | $ 172,000 |
| Lorain County Ohio | 50 | $ 13,770,000 | $ 275,000 | $ 160,000 |
| Portage County Ohio | 43 | $ 10,335,000 | $ 240,000 | $ 125,000 |
| Lycoming County Pennsylvania | 43 | $ 2,975,000 | $ 69,000 | $ 64,000 |
| Warren County Ohio | 38 | $ 14,970,000 | $ 393,000 | $ 167,000 |
| Clermont County Ohio | 35 | $ 6,195,000 | $ 177,000 | $ 94,000 |
| Fayette County Pennsylvania | 32 | $ 3,300,000 | $ 103,000 | $ 74,000 |
| Centre County Pennsylvania | 30 | $ 3,590,000 | $ 119,000 | $ 120,000 |
| Clinton County Pennsylvania | 30 | $ 2,440,000 | $ 81,000 | $ 51,000 |
| Union County Ohio | 27 | $ 6,375,000 | $ 236,000 | $ 148,000 |
| Huntingdon County Pennsylvania | 23 | $ 2,365,000 | $ 102,000 | $ 89,000 |
| Carroll County Ohio | 20 | $ 2,520,000 | $ 126,000 | $ 87,000 |
| Licking County Ohio | 20 | $ 5,480,000 | $ 274,000 | $ 113,000 |
| Mercer County Pennsylvania | 19 | $ 2,165,000 | $ 113,000 | $ 179,000 |
| Lake County Ohio | 16 | $ 3,720,000 | $ 232,000 | $ 118,000 |
| Clarion County Pennsylvania | 16 | $ 1,420,000 | $ 88,000 | $ 61,000 |
| Columbiana County Ohio | 15 | $ 2,385,000 | $ 159,000 | $ 122,000 |
| Montgomery County Ohio | 15 | $ 3,895,000 | $ 259,000 | $ 140,000 |
| Geauga County Ohio | 14 | $ 4,800,000 | $ 342,000 | $ 180,000 |
| Butler County Ohio | 13 | $ 2,305,000 | $ 177,000 | $ 129,000 |
| Mahoning County Ohio | 13 | $ 2,835,000 | $ 218,000 | $ 156,000 |
| Marion County Ohio | 13 | $ 1,315,000 | $ 101,000 | $ 109,000 |
| Union County Pennsylvania | 13 | $ 1,485,000 | $ 114,000 | $ 163,000 |
| Knox County Ohio | 12 | $ 1,940,000 | $ 161,000 | $ 83,000 |
| Fairfield County Ohio | 11 | $ 3,455,000 | $ 314,000 | $ 274,000 |
| Wayne County Ohio | 11 | $ 3,355,000 | $ 305,000 | $ 106,000 |
| Trumbull County Ohio | 10 | $ 2,710,000 | $ 271,000 | $ 144,000 |
| Greene County Ohio | 9 | $ 4,615,000 | $ 512,000 | $ 247,000 |
| Madison County Ohio | 9 | $ 1,275,000 | $ 141,000 | $ 76,000 |
| Tuscarawas County Ohio | 9 | $ 1,655,000 | $ 183,000 | $ 86,000 |
| Erie County Ohio | 8 | $ 2,050,000 | $ 256,000 | $ 147,000 |
| Montour County Pennsylvania | 8 | $ 890,000 | $ 111,000 | $ 116,000 |
| Northumberland County Pennsylvania | 6 | $ 310,000 | $ 51,000 | $ 71,000 |
| Huron County Ohio | 5 | $ 325,000 | $ 65,000 | $ 32,000 |
| Pickaway County Ohio | 5 | $ 1,545,000 | $ 309,000 | $ 127,000 |
| Franklin County Pennsylvania | 5 | $ 815,000 | $ 163,000 | $ 151,000 |
| Palm Beach County Florida | 4 | $ 1,180,000 | $ 295,000 | $ 928,000 |
| Champaign County Ohio | 4 | $ 510,000 | $ 127,000 | $ 73,000 |
| Logan County Ohio | 4 | $ 670,000 | $ 167,000 | $ 194,000 |
| Richland County Ohio | 4 | $ 2,080,000 | $ 520,000 | $ 96,000 |
| Sandusky County Ohio | 4 | $ 420,000 | $ 105,000 | $ 39,000 |
| Crawford County Pennsylvania | 4 | $ 310,000 | $ 77,000 | $ 113,000 |
| Erie County Pennsylvania | 4 | $ 500,000 | $ 125,000 | $ 95,000 |
| Forest County Pennsylvania | 4 | $ 150,000 | $ 37,000 | $ 135,000 |
| Greene County Pennsylvania | 4 | $ 340,000 | $ 85,000 | $ 39,000 |
| Perry County Pennsylvania | 4 | $ 230,000 | $ 57,000 | $ 50,000 |
| Beaufort County South Carolina | 4 | $ 2,120,000 | $ 530,000 | $ 332,000 |
| Campbell County Kentucky | 3 | $ 385,000 | $ 128,000 | $ 84,000 |
| Grant County Kentucky | 3 | $ 1,315,000 | $ 438,000 | $ 121,000 |
| Kenton County Kentucky | 3 | $ 845,000 | $ 281,000 | $ 132,000 |
| Belmont County Ohio | 3 | $ 1,045,000 | $ 348,000 | $ 293,000 |
| Muskingum County Ohio | 3 | $ 465,000 | $ 155,000 | $ 50,000 |
| Preble County Ohio | 3 | $ 865,000 | $ 288,000 | $ 134,000 |
| Ross County Ohio | 3 | $ 1,325,000 | $ 441,000 | $ 127,000 |
| Columbia County Pennsylvania | 3 | $ 805,000 | $ 268,000 | $ 129,000 |
| Snyder County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 81,000 |
| Monongalia County West Virginia | 3 | $ 835,000 | $ 278,000 | $ 412,000 |
| Chaffee County Colorado | 2 | $ 570,000 | $ 285,000 | $ 80,000 |
| Collier County Florida | 2 | $ 540,000 | $ 270,000 | $ 149,000 |
| Ada County Idaho | 2 | $ 650,000 | $ 325,000 | $ 216,000 |
| Cook County Illinois | 2 | $ 1,760,000 | $ 880,000 | $ 1,468,000 |
| Monroe County Indiana | 2 | $ 440,000 | $ 220,000 | $ 62,000 |
| Boone County Kentucky | 2 | $ 490,000 | $ 245,000 | $ 58,000 |
| Fayette County Kentucky | 2 | $ 340,000 | $ 170,000 | $ 220,000 |
| Charlevoix County Michigan | 2 | $ 9,030,000 | $ 4,515,000 | $ 1,800,000 |
| St. Louis County Missouri | 2 | $ 430,000 | $ 215,000 | $ 65,000 |
| Brown County Ohio | 2 | $ 90,000 | $ 45,000 | $ 178,000 |
| Holmes County Ohio | 2 | $ 590,000 | $ 295,000 | $ 97,000 |
| Jefferson County Ohio | 2 | $ 280,000 | $ 140,000 | $ 85,000 |
| Ottawa County Ohio | 2 | $ 170,000 | $ 85,000 | $ 89,000 |
| Cameron County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 63,000 |
| Chester County Pennsylvania | 2 | $ 600,000 | $ 300,000 | $ 180,000 |
| Cumberland County Pennsylvania | 2 | $ 520,000 | $ 260,000 | $ 97,000 |
| McKean County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Philadelphia County Pennsylvania | 2 | $ 16,230,000 | $ 8,115,000 | $ 290,000 |
| Tioga County Pennsylvania | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Venango County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 113,000 |
| Grand County Colorado | 1 | $ 255,000 | $ 255,000 | $ 151,000 |
| Sussex County Delaware | 1 | $ 325,000 | $ 325,000 | $ 1,061,000 |
| Broward County Florida | 1 | $ 745,000 | $ 745,000 | $ 391,000 |
| Hernando County Florida | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| Lee County Florida | 1 | $ 185,000 | $ 185,000 | $ 119,000 |
| Orange County Florida | 1 | $ 435,000 | $ 435,000 | $ 179,000 |
| St. Lucie County Florida | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Walton County Florida | 1 | $ 145,000 | $ 145,000 | $ 196,000 |
| Franklin County Indiana | 1 | $ 365,000 | $ 365,000 | $ 108,000 |
| Tippecanoe County Indiana | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Mason County Kentucky | 1 | $ 755,000 | $ 755,000 | $ 435,000 |
| Montgomery County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Pendleton County Kentucky | 1 | $ 435,000 | $ 435,000 | $ 122,000 |
| Oakland County Michigan | 1 | $ 325,000 | $ 325,000 | $ 210,000 |
| Onslow County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Ashland County Ohio | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Clark County Ohio | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Clinton County Ohio | 1 | $ 295,000 | $ 295,000 | $ 96,000 |
| Coshocton County Ohio | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Crawford County Ohio | 1 | $ 85,000 | $ 85,000 | $ 206,000 |
| Fulton County Ohio | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Gallia County Ohio | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Guernsey County Ohio | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Harrison County Ohio | 1 | $ 205,000 | $ 205,000 | $ 397,000 |
| Hocking County Ohio | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Lawrence County Ohio | 1 | $ 185,000 | $ 185,000 | $ 187,000 |
| Scioto County Ohio | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Washington County Ohio | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Bradford County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 82,000 |
| Dauphin County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Fulton County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Juniata County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Montgomery County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Northampton County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Potter County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 140,000 |
| Sullivan County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| Warren County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| York County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 223,000 |
| Jefferson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Carroll County Virginia | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Brooke County West Virginia | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Hancock County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Harrison County West Virginia | 1 | $ 275,000 | $ 275,000 | $ 141,000 |
| Ohio County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Wood County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2019
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 | 4,641 | $567,745,000 | $122,000 | $4,005,000 | $101,000 | $2,120,000 |
| Home Purchase | 2,287 | $572,765,000 | $250,000 | $53,475,000 | $105,000 | $2,020,000 |
| Other Purpose | 1,885 | $120,495,000 | $63,000 | $1,505,000 | $91,000 | $1,554,000 |
| Home Improvement | 1,652 | $126,400,000 | $76,000 | $27,505,000 | $95,000 | $3,919,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 9,385 | $1,089,835,000 | $116,000 | $4,525,000 | $97,000 | $3,708,000 |
| Not Provided | 476 | $56,660,000 | $119,000 | $885,000 | $126,000 | $3,919,000 |
| Not applicable | 190 | $183,390,000 | $965,000 | $53,475,000 | $0 | $0 |
| Black or African American | 177 | $18,095,000 | $102,000 | $645,000 | $70,000 | $700,000 |
| Hispanic | 133 | $15,245,000 | $114,000 | $1,335,000 | $125,000 | $2,043,000 |
| Asian | 83 | $20,135,000 | $242,000 | $1,145,000 | $184,000 | $826,000 |
| American Indian or Alaskan Native | 10 | $960,000 | $96,000 | $325,000 | $64,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $235,000 | $78,000 | $85,000 | $108,000 | $132,000 |
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) | 9,911 | $1,311,295,000 | $132,000 | $53,475,000 | $101,000 | $3,919,000 |
| FHA-insured (Federal Housing Administration) | 376 | $48,650,000 | $129,000 | $365,000 | $59,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $9,805,000 | $103,000 | $255,000 | $48,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 83 | $17,655,000 | $212,000 | $525,000 | $97,000 | $365,000 |
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 | 6,181 | $974,305,000 | $157,000 | $53,475,000 | $108,000 | $2,120,000 |
| Application Denied By Financial Institution | 2,136 | $164,440,000 | $76,000 | $1,145,000 | $73,000 | $1,380,000 |
| Application Withdrawn By Applicant | 979 | $113,985,000 | $116,000 | $4,525,000 | $102,000 | $3,919,000 |
| File Closed For Incompleteness | 697 | $58,895,000 | $84,000 | $1,505,000 | $100,000 | $3,708,000 |
| Application Approved But Not Accepted | 424 | $53,030,000 | $125,000 | $805,000 | $99,000 | $1,046,000 |
| Loan Purchased By The Institution | 34 | $20,860,000 | $613,000 | $1,205,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 10 | $1,100,000 | $110,000 | $165,000 | $50,000 | $98,000 |
| Preapproval Approved but not Accepted | 4 | $790,000 | $197,000 | $275,000 | $74,000 | $120,000 |
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 | 8,319 | $1,221,865,000 | $146,000 | $53,475,000 | $106,000 | $3,919,000 |
| Credit History | 899 | $52,205,000 | $58,000 | $645,000 | $77,000 | $1,380,000 |
| Debt-To-Income Ratio | 507 | $53,455,000 | $105,000 | $1,145,000 | $43,000 | $256,000 |
| Collateral | 450 | $34,880,000 | $77,000 | $1,045,000 | $89,000 | $976,000 |
| Other | 217 | $19,395,000 | $89,000 | $505,000 | $99,000 | $1,088,000 |
| Credit Application Incomplete | 44 | $3,000,000 | $68,000 | $295,000 | $76,000 | $284,000 |
| Employment History | 16 | $1,110,000 | $69,000 | $205,000 | $38,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $980,000 | $98,000 | $195,000 | $60,000 | $87,000 |
| Unverifiable Information | 3 | $515,000 | $171,000 | $255,000 | $77,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commonwealth Bank's 2019 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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