First Commonwealth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Commonwealth Bank 2021 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 | 14,745 |
| Total Mortgage Loan Application Amount | $2,241,265,000 |
| Average Mortgage Loan Application Amount | $146,500 |
| Highest Mortgage Loan Application Amount | $25,055,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $4,860,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 2,964 | $ 416,010,000 | $ 140,000 | $ 113,000 |
| Westmoreland County Pennsylvania | 1,583 | $ 173,735,000 | $ 109,000 | $ 92,000 |
| Stark County Ohio | 879 | $ 115,485,000 | $ 131,000 | $ 92,000 |
| Cambria County Pennsylvania | 792 | $ 61,640,000 | $ 77,000 | $ 75,000 |
| Indiana County Pennsylvania | 616 | $ 57,080,000 | $ 92,000 | $ 80,000 |
| Delaware County Ohio | 539 | $ 124,255,000 | $ 230,000 | $ 152,000 |
| Blair County Pennsylvania | 520 | $ 44,030,000 | $ 84,000 | $ 72,000 |
| Butler County Pennsylvania | 499 | $ 82,215,000 | $ 164,000 | $ 127,000 |
| Franklin County Ohio | 493 | $ 205,025,000 | $ 415,000 | $ 153,000 |
| Jefferson County Pennsylvania | 471 | $ 39,615,000 | $ 84,000 | $ 85,000 |
| Somerset County Pennsylvania | 418 | $ 34,900,000 | $ 83,000 | $ 78,000 |
| Lycoming County Pennsylvania | 382 | $ 39,700,000 | $ 103,000 | $ 92,000 |
| Lawrence County Pennsylvania | 379 | $ 35,535,000 | $ 93,000 | $ 82,000 |
| Elk County Pennsylvania | 338 | $ 27,880,000 | $ 82,000 | $ 76,000 |
| Clearfield County Pennsylvania | 318 | $ 26,890,000 | $ 84,000 | $ 79,000 |
| Bedford County Pennsylvania | 307 | $ 27,745,000 | $ 90,000 | $ 89,000 |
| Washington County Pennsylvania | 300 | $ 45,650,000 | $ 152,000 | $ 123,000 |
| Armstrong County Pennsylvania | 214 | $ 19,510,000 | $ 91,000 | $ 78,000 |
| Clinton County Pennsylvania | 208 | $ 17,460,000 | $ 83,000 | $ 74,000 |
| Beaver County Pennsylvania | 200 | $ 28,650,000 | $ 143,000 | $ 106,000 |
| Mahoning County Ohio | 183 | $ 40,275,000 | $ 220,000 | $ 135,000 |
| Summit County Ohio | 143 | $ 46,915,000 | $ 328,000 | $ 134,000 |
| Hamilton County Ohio | 141 | $ 32,265,000 | $ 228,000 | $ 156,000 |
| Centre County Pennsylvania | 119 | $ 14,505,000 | $ 121,000 | $ 86,000 |
| Warren County Ohio | 112 | $ 49,840,000 | $ 445,000 | $ 171,000 |
| Cuyahoga County Ohio | 108 | $ 63,200,000 | $ 585,000 | $ 252,000 |
| Northumberland County Pennsylvania | 88 | $ 9,200,000 | $ 104,000 | $ 74,000 |
| Union County Pennsylvania | 80 | $ 10,160,000 | $ 127,000 | $ 112,000 |
| Medina County Ohio | 71 | $ 20,795,000 | $ 292,000 | $ 176,000 |
| Columbiana County Ohio | 67 | $ 11,615,000 | $ 173,000 | $ 90,000 |
| Clermont County Ohio | 60 | $ 13,390,000 | $ 223,000 | $ 120,000 |
| Portage County Ohio | 57 | $ 16,615,000 | $ 291,000 | $ 110,000 |
| Montgomery County Ohio | 55 | $ 16,945,000 | $ 308,000 | $ 149,000 |
| Mercer County Pennsylvania | 53 | $ 5,625,000 | $ 106,000 | $ 91,000 |
| Union County Ohio | 46 | $ 14,650,000 | $ 318,000 | $ 163,000 |
| Ashtabula County Ohio | 42 | $ 4,260,000 | $ 101,000 | $ 69,000 |
| Butler County Ohio | 40 | $ 8,180,000 | $ 204,000 | $ 122,000 |
| Fairfield County Ohio | 37 | $ 28,765,000 | $ 777,000 | $ 143,000 |
| Greene County Ohio | 34 | $ 15,610,000 | $ 459,000 | $ 184,000 |
| Trumbull County Ohio | 31 | $ 5,905,000 | $ 190,000 | $ 140,000 |
| Montour County Pennsylvania | 31 | $ 3,405,000 | $ 109,000 | $ 90,000 |
| Licking County Ohio | 30 | $ 8,970,000 | $ 299,000 | $ 144,000 |
| Lorain County Ohio | 30 | $ 11,570,000 | $ 385,000 | $ 158,000 |
| Morrow County Ohio | 30 | $ 5,440,000 | $ 181,000 | $ 91,000 |
| Fayette County Pennsylvania | 30 | $ 2,980,000 | $ 99,000 | $ 60,000 |
| Clarion County Pennsylvania | 29 | $ 3,565,000 | $ 122,000 | $ 103,000 |
| Huntingdon County Pennsylvania | 24 | $ 2,380,000 | $ 99,000 | $ 63,000 |
| Knox County Ohio | 20 | $ 4,400,000 | $ 220,000 | $ 132,000 |
| Madison County Ohio | 20 | $ 6,270,000 | $ 313,000 | $ 144,000 |
| Lake County Ohio | 15 | $ 3,435,000 | $ 229,000 | $ 183,000 |
| Wayne County Ohio | 15 | $ 3,405,000 | $ 227,000 | $ 112,000 |
| Philadelphia County Pennsylvania | 14 | $ 18,420,000 | $ 1,315,000 | $ 238,000 |
| Kenton County Kentucky | 13 | $ 2,245,000 | $ 172,000 | $ 84,000 |
| Carroll County Ohio | 13 | $ 1,925,000 | $ 148,000 | $ 106,000 |
| Boone County Kentucky | 12 | $ 2,480,000 | $ 206,000 | $ 213,000 |
| Campbell County Kentucky | 12 | $ 1,440,000 | $ 120,000 | $ 116,000 |
| Clinton County Ohio | 12 | $ 4,080,000 | $ 340,000 | $ 163,000 |
| Marion County Ohio | 12 | $ 1,660,000 | $ 138,000 | $ 91,000 |
| Pickaway County Ohio | 11 | $ 2,795,000 | $ 254,000 | $ 108,000 |
| Monroe County Pennsylvania | 11 | $ 1,275,000 | $ 115,000 | $ 102,000 |
| Brown County Ohio | 10 | $ 2,450,000 | $ 245,000 | $ 124,000 |
| Geauga County Ohio | 10 | $ 3,460,000 | $ 346,000 | $ 150,000 |
| Tuscarawas County Ohio | 10 | $ 2,270,000 | $ 227,000 | $ 121,000 |
| Columbia County Pennsylvania | 10 | $ 980,000 | $ 98,000 | $ 57,000 |
| Schuylkill County Pennsylvania | 10 | $ 790,000 | $ 79,000 | $ 44,000 |
| Cameron County Pennsylvania | 9 | $ 715,000 | $ 79,000 | $ 90,000 |
| Dearborn County Indiana | 8 | $ 2,520,000 | $ 315,000 | $ 132,000 |
| Erie County Ohio | 8 | $ 1,570,000 | $ 196,000 | $ 118,000 |
| Erie County Pennsylvania | 8 | $ 1,060,000 | $ 132,000 | $ 79,000 |
| Lehigh County Pennsylvania | 8 | $ 750,000 | $ 93,000 | $ 72,000 |
| Dauphin County Pennsylvania | 7 | $ 885,000 | $ 126,000 | $ 65,000 |
| McKean County Pennsylvania | 7 | $ 475,000 | $ 67,000 | $ 126,000 |
| Jefferson County Ohio | 6 | $ 1,080,000 | $ 180,000 | $ 129,000 |
| Ottawa County Ohio | 6 | $ 1,430,000 | $ 238,000 | $ 164,000 |
| Greene County Pennsylvania | 6 | $ 650,000 | $ 108,000 | $ 83,000 |
| Northampton County Pennsylvania | 6 | $ 310,000 | $ 51,000 | $ 85,000 |
| Snyder County Pennsylvania | 6 | $ 640,000 | $ 106,000 | $ 66,000 |
| Sullivan County Pennsylvania | 6 | $ 810,000 | $ 135,000 | $ 82,000 |
| Preble County Ohio | 5 | $ 1,605,000 | $ 321,000 | $ 126,000 |
| Crawford County Pennsylvania | 5 | $ 695,000 | $ 139,000 | $ 135,000 |
| York County Pennsylvania | 5 | $ 1,365,000 | $ 273,000 | $ 77,000 |
| Duval County Florida | 4 | $ 1,870,000 | $ 467,000 | $ 154,000 |
| Grant County Kentucky | 4 | $ 1,220,000 | $ 305,000 | $ 123,000 |
| Ashland County Ohio | 4 | $ 1,490,000 | $ 372,000 | $ 100,000 |
| Belmont County Ohio | 4 | $ 680,000 | $ 170,000 | $ 89,000 |
| Clark County Ohio | 4 | $ 1,100,000 | $ 275,000 | $ 1,405,000 |
| Logan County Ohio | 4 | $ 1,300,000 | $ 325,000 | $ 344,000 |
| Richland County Ohio | 4 | $ 2,910,000 | $ 727,000 | $ 78,000 |
| Bucks County Pennsylvania | 4 | $ 570,000 | $ 142,000 | $ 94,000 |
| Delaware County Pennsylvania | 4 | $ 880,000 | $ 220,000 | $ 177,000 |
| Montgomery County Pennsylvania | 4 | $ 370,000 | $ 92,000 | $ 105,000 |
| Monongalia County West Virginia | 4 | $ 3,780,000 | $ 945,000 | $ 114,000 |
| Pinellas County Florida | 3 | $ 655,000 | $ 218,000 | $ 82,000 |
| Franklin County Indiana | 3 | $ 1,815,000 | $ 605,000 | $ 262,000 |
| Ohio County Indiana | 3 | $ 705,000 | $ 235,000 | $ 104,000 |
| Harrison County Kentucky | 3 | $ 75,000 | $ 25,000 | $ 27,000 |
| Jefferson County Kentucky | 3 | $ 1,295,000 | $ 431,000 | $ 246,000 |
| Highland County Ohio | 3 | $ 595,000 | $ 198,000 | $ 122,000 |
| Muskingum County Ohio | 3 | $ 875,000 | $ 291,000 | $ 136,000 |
| Perry County Ohio | 3 | $ 415,000 | $ 138,000 | $ 332,000 |
| Chester County Pennsylvania | 3 | $ 1,465,000 | $ 488,000 | $ 253,000 |
| Forest County Pennsylvania | 3 | $ 245,000 | $ 81,000 | $ 101,000 |
| Franklin County Pennsylvania | 3 | $ 265,000 | $ 88,000 | $ 72,000 |
| Lancaster County Pennsylvania | 3 | $ 275,000 | $ 91,000 | $ 110,000 |
| Mifflin County Pennsylvania | 3 | $ 195,000 | $ 65,000 | $ 37,000 |
| Venango County Pennsylvania | 3 | $ 255,000 | $ 85,000 | $ 65,000 |
| Shelby County Tennessee | 3 | $ 855,000 | $ 285,000 | $ 84,000 |
| Hancock County West Virginia | 3 | $ 265,000 | $ 88,000 | $ 43,000 |
| Indian River County Florida | 2 | $ 430,000 | $ 215,000 | $ 94,000 |
| Palm Beach County Florida | 2 | $ 820,000 | $ 410,000 | $ 768,000 |
| Polk County Florida | 2 | $ 380,000 | $ 190,000 | $ 128,000 |
| Sarasota County Florida | 2 | $ 510,000 | $ 255,000 | $ 177,000 |
| Walton County Florida | 2 | $ 1,600,000 | $ 800,000 | $ 241,000 |
| Allen County Indiana | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| Hamilton County Indiana | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| Porter County Indiana | 2 | $ 290,000 | $ 145,000 | $ 133,000 |
| Fayette County Kentucky | 2 | $ 380,000 | $ 190,000 | $ 131,000 |
| Pendleton County Kentucky | 2 | $ 660,000 | $ 330,000 | $ 266,000 |
| Barnstable County Massachusetts | 2 | $ 1,050,000 | $ 525,000 | $ 313,000 |
| Brunswick County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 95,000 |
| Champaign County Ohio | 2 | $ 320,000 | $ 160,000 | $ 94,000 |
| Crawford County Ohio | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Huron County Ohio | 2 | $ 230,000 | $ 115,000 | $ 40,000 |
| Miami County Ohio | 2 | $ 300,000 | $ 150,000 | $ 91,000 |
| Ross County Ohio | 2 | $ 870,000 | $ 435,000 | $ 120,000 |
| Washington County Ohio | 2 | $ 760,000 | $ 380,000 | $ 130,000 |
| Wood County Ohio | 2 | $ 310,000 | $ 155,000 | $ 184,000 |
| Berks County Pennsylvania | 2 | $ 8,640,000 | $ 4,320,000 | $ 43,000 |
| Carbon County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Cumberland County Pennsylvania | 2 | $ 740,000 | $ 370,000 | $ 158,000 |
| Luzerne County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 150,000 |
| Perry County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 37,000 |
| Pike County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 60,000 |
| Warren County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 111,000 |
| Beaufort County South Carolina | 2 | $ 650,000 | $ 325,000 | $ 222,000 |
| Davidson County Tennessee | 2 | $ 650,000 | $ 325,000 | $ 186,000 |
| Jefferson County West Virginia | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Maricopa County Arizona | 1 | $ 135,000 | $ 135,000 | $ 114,000 |
| Grand County Colorado | 1 | $ 255,000 | $ 255,000 | $ 151,000 |
| New Haven County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 168,000 |
| Charlotte County Florida | 1 | $ 225,000 | $ 225,000 | $ 115,000 |
| Collier County Florida | 1 | $ 935,000 | $ 935,000 | $ 367,000 |
| Hillsborough County Florida | 1 | $ 235,000 | $ 235,000 | $ 128,000 |
| Lee County Florida | 1 | $ 545,000 | $ 545,000 | $ 274,000 |
| Manatee County Florida | 1 | $ 525,000 | $ 525,000 | $ 141,000 |
| Orange County Florida | 1 | $ 435,000 | $ 435,000 | $ 142,000 |
| St. Johns County Florida | 1 | $ 495,000 | $ 495,000 | $ 170,000 |
| Cook County Illinois | 1 | $ 795,000 | $ 795,000 | $ 2,079,000 |
| Crawford County Indiana | 1 | $ 75,000 | $ 75,000 | $ 5,000 |
| DeKalb County Indiana | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Johnson County Indiana | 1 | $ 285,000 | $ 285,000 | $ 385,000 |
| Lake County Indiana | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| LaPorte County Indiana | 1 | $ 995,000 | $ 995,000 | $ 714,000 |
| Marion County Indiana | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Miami County Indiana | 1 | $ 15,000 | $ 15,000 | $ 35,000 |
| St. Joseph County Indiana | 1 | $ 135,000 | $ 135,000 | $ 1,613,000 |
| Vanderburgh County Indiana | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Gallatin County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Jessamine County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Oldham County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 384,000 |
| Pike County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Scott County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Taylor County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Warren County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Anne Arundel County Maryland | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| Branch County Michigan | 1 | $ 185,000 | $ 185,000 | $ 184,000 |
| Mecklenburg County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 117,000 |
| Coshocton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Darke County Ohio | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Fayette County Ohio | 1 | $ 115,000 | $ 115,000 | $ 400,000 |
| Guernsey County Ohio | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Hancock County Ohio | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Hocking County Ohio | 1 | $ 175,000 | $ 175,000 | $ 127,000 |
| Lucas County Ohio | 1 | $ 635,000 | $ 635,000 | $ 189,000 |
| Pike County Ohio | 1 | $ 25,000 | $ 25,000 | $ 116,000 |
| Sandusky County Ohio | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Wyandot County Ohio | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Fulton County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Juniata County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Lackawanna County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Potter County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Wayne County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Charleston County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Dorchester County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Greenville County South Carolina | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Horry County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 101,000 |
| Hanover County Virginia | 1 | $ 265,000 | $ 265,000 | $ 53,000 |
| Page County Virginia | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Rappahannock County Virginia | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Harrison County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Kanawha County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Marion County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Pleasants County West Virginia | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Randolph County West Virginia | 1 | $ 7,505,000 | $ 7,505,000 | $ 0 |
| Ritchie County West Virginia | 1 | $ 325,000 | $ 325,000 | $ 141,000 |
| Taylor County West Virginia | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Tyler County West Virginia | 1 | $ 325,000 | $ 325,000 | $ 97,000 |
| Wood County West Virginia | 1 | $ 655,000 | $ 655,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2021
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 | 7,473 | $1,122,195,000 | $150,000 | $16,355,000 | $101,000 | $4,060,000 |
| Home Purchase | 2,671 | $810,725,000 | $303,000 | $25,055,000 | $114,000 | $4,860,000 |
| Home Improvement | 2,534 | $164,000,000 | $64,000 | $905,000 | $107,000 | $2,280,000 |
| Other Purpose | 2,067 | $144,345,000 | $69,000 | $1,005,000 | $106,000 | $1,724,000 |
| 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 | 12,556 | $1,681,450,000 | $133,000 | $2,005,000 | $102,000 | $4,860,000 |
| Not Provided | 1,147 | $168,585,000 | $146,000 | $1,805,000 | $128,000 | $1,890,000 |
| Not applicable | 317 | $279,225,000 | $880,000 | $25,055,000 | $0 | $0 |
| Black or African American | 313 | $41,835,000 | $133,000 | $1,265,000 | $82,000 | $1,250,000 |
| Hispanic | 202 | $23,410,000 | $115,000 | $805,000 | $103,000 | $633,000 |
| Asian | 154 | $36,520,000 | $237,000 | $1,305,000 | $155,000 | $822,000 |
| American Indian or Alaskan Native | 27 | $2,915,000 | $107,000 | $255,000 | $137,000 | $756,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $675,000 | $135,000 | $395,000 | $363,000 | $825,000 |
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) | 14,382 | $2,185,060,000 | $151,000 | $25,055,000 | $106,000 | $4,860,000 |
| FHA-insured (Federal Housing Administration) | 183 | $26,345,000 | $143,000 | $375,000 | $56,000 | $246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $14,895,000 | $127,000 | $315,000 | $50,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 63 | $14,965,000 | $237,000 | $645,000 | $87,000 | $226,000 |
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 | 8,846 | $1,576,580,000 | $178,000 | $25,055,000 | $113,000 | $4,060,000 |
| Application Denied By Financial Institution | 3,467 | $342,725,000 | $98,000 | $995,000 | $83,000 | $2,280,000 |
| Application Withdrawn By Applicant | 990 | $129,500,000 | $130,000 | $1,505,000 | $104,000 | $4,860,000 |
| Application Approved But Not Accepted | 721 | $114,455,000 | $158,000 | $7,505,000 | $105,000 | $788,000 |
| File Closed For Incompleteness | 714 | $76,310,000 | $106,000 | $925,000 | $103,000 | $1,292,000 |
| Preapproval Denied by Financial Institution | 6 | $1,290,000 | $215,000 | $455,000 | $66,000 | $197,000 |
| Preapproval Approved but not Accepted | 1 | $405,000 | $405,000 | $405,000 | $153,000 | $153,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 11,272 | $1,897,250,000 | $168,000 | $25,055,000 | $111,000 | $4,860,000 |
| Credit History | 1,782 | $135,890,000 | $76,000 | $605,000 | $85,000 | $2,280,000 |
| Debt-To-Income Ratio | 839 | $104,505,000 | $124,000 | $975,000 | $50,000 | $468,000 |
| Collateral | 474 | $50,340,000 | $106,000 | $865,000 | $110,000 | $1,041,000 |
| Other | 286 | $36,960,000 | $129,000 | $995,000 | $131,000 | $822,000 |
| Credit Application Incomplete | 41 | $9,535,000 | $232,000 | $905,000 | $161,000 | $693,000 |
| Employment History | 26 | $3,140,000 | $120,000 | $425,000 | $55,000 | $216,000 |
| Unverifiable Information | 18 | $2,540,000 | $141,000 | $655,000 | $101,000 | $306,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,105,000 | $157,000 | $535,000 | $85,000 | $302,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commonwealth Bank's 2021 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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with aggregated HMDA statistics today.