First Commonwealth Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First Commonwealth Bank 2022 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 | 12,589 |
| Total Mortgage Loan Application Amount | $1,905,355,000 |
| Average Mortgage Loan Application Amount | $157,600 |
| Highest Mortgage Loan Application Amount | $70,005,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $3,659,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 2,279 | $ 322,485,000 | $ 141,000 | $ 118,000 |
| Westmoreland County Pennsylvania | 1,343 | $ 138,435,000 | $ 103,000 | $ 101,000 |
| Stark County Ohio | 945 | $ 107,905,000 | $ 114,000 | $ 90,000 |
| Cambria County Pennsylvania | 687 | $ 47,495,000 | $ 69,000 | $ 69,000 |
| Blair County Pennsylvania | 568 | $ 40,880,000 | $ 71,000 | $ 84,000 |
| Delaware County Ohio | 552 | $ 128,080,000 | $ 232,000 | $ 146,000 |
| Franklin County Ohio | 494 | $ 218,590,000 | $ 442,000 | $ 160,000 |
| Indiana County Pennsylvania | 470 | $ 41,340,000 | $ 87,000 | $ 92,000 |
| Butler County Pennsylvania | 425 | $ 59,265,000 | $ 139,000 | $ 117,000 |
| Lawrence County Pennsylvania | 355 | $ 29,435,000 | $ 82,000 | $ 84,000 |
| Jefferson County Pennsylvania | 315 | $ 23,015,000 | $ 73,000 | $ 79,000 |
| Somerset County Pennsylvania | 310 | $ 28,200,000 | $ 90,000 | $ 88,000 |
| Bedford County Pennsylvania | 306 | $ 24,140,000 | $ 78,000 | $ 75,000 |
| Clearfield County Pennsylvania | 303 | $ 26,385,000 | $ 87,000 | $ 90,000 |
| Lycoming County Pennsylvania | 281 | $ 26,625,000 | $ 94,000 | $ 87,000 |
| Elk County Pennsylvania | 236 | $ 18,620,000 | $ 78,000 | $ 90,000 |
| Armstrong County Pennsylvania | 200 | $ 16,370,000 | $ 81,000 | $ 80,000 |
| Washington County Pennsylvania | 200 | $ 31,100,000 | $ 155,000 | $ 138,000 |
| Summit County Ohio | 163 | $ 63,835,000 | $ 391,000 | $ 158,000 |
| Mahoning County Ohio | 146 | $ 29,350,000 | $ 201,000 | $ 115,000 |
| Clinton County Pennsylvania | 146 | $ 11,900,000 | $ 81,000 | $ 75,000 |
| Beaver County Pennsylvania | 137 | $ 14,755,000 | $ 107,000 | $ 122,000 |
| Hamilton County Ohio | 104 | $ 30,020,000 | $ 288,000 | $ 144,000 |
| Centre County Pennsylvania | 103 | $ 13,715,000 | $ 133,000 | $ 106,000 |
| Northumberland County Pennsylvania | 73 | $ 6,955,000 | $ 95,000 | $ 97,000 |
| Cuyahoga County Ohio | 72 | $ 15,560,000 | $ 216,000 | $ 131,000 |
| Warren County Ohio | 71 | $ 26,775,000 | $ 377,000 | $ 187,000 |
| Union County Pennsylvania | 59 | $ 6,205,000 | $ 105,000 | $ 124,000 |
| Columbiana County Ohio | 58 | $ 8,740,000 | $ 150,000 | $ 94,000 |
| Licking County Ohio | 58 | $ 14,250,000 | $ 245,000 | $ 124,000 |
| Fayette County Pennsylvania | 56 | $ 6,000,000 | $ 107,000 | $ 92,000 |
| Mercer County Pennsylvania | 54 | $ 7,160,000 | $ 132,000 | $ 95,000 |
| Ashtabula County Ohio | 47 | $ 4,895,000 | $ 104,000 | $ 89,000 |
| Clermont County Ohio | 47 | $ 13,305,000 | $ 283,000 | $ 137,000 |
| Fairfield County Ohio | 43 | $ 27,355,000 | $ 636,000 | $ 166,000 |
| Medina County Ohio | 41 | $ 11,025,000 | $ 268,000 | $ 283,000 |
| Morrow County Ohio | 38 | $ 7,010,000 | $ 184,000 | $ 94,000 |
| Union County Ohio | 34 | $ 8,230,000 | $ 242,000 | $ 167,000 |
| Knox County Ohio | 33 | $ 8,455,000 | $ 256,000 | $ 107,000 |
| Portage County Ohio | 33 | $ 8,425,000 | $ 255,000 | $ 185,000 |
| Montgomery County Ohio | 32 | $ 26,600,000 | $ 831,000 | $ 172,000 |
| Trumbull County Ohio | 31 | $ 4,395,000 | $ 141,000 | $ 69,000 |
| Butler County Ohio | 26 | $ 6,060,000 | $ 233,000 | $ 119,000 |
| Greene County Ohio | 25 | $ 14,055,000 | $ 562,000 | $ 238,000 |
| Madison County Ohio | 18 | $ 7,050,000 | $ 391,000 | $ 168,000 |
| Huntingdon County Pennsylvania | 18 | $ 2,410,000 | $ 133,000 | $ 96,000 |
| Wayne County Ohio | 17 | $ 5,675,000 | $ 333,000 | $ 161,000 |
| Carroll County Ohio | 15 | $ 2,335,000 | $ 155,000 | $ 93,000 |
| Kenton County Kentucky | 14 | $ 2,660,000 | $ 190,000 | $ 188,000 |
| Lorain County Ohio | 14 | $ 2,670,000 | $ 190,000 | $ 172,000 |
| Erie County Pennsylvania | 14 | $ 1,670,000 | $ 119,000 | $ 128,000 |
| Philadelphia County Pennsylvania | 12 | $ 43,480,000 | $ 3,623,000 | $ 67,000 |
| Pickaway County Ohio | 11 | $ 1,095,000 | $ 99,000 | $ 126,000 |
| Geauga County Ohio | 10 | $ 3,740,000 | $ 374,000 | $ 236,000 |
| Columbia County Pennsylvania | 10 | $ 2,000,000 | $ 200,000 | $ 62,000 |
| Crawford County Pennsylvania | 10 | $ 2,660,000 | $ 266,000 | $ 215,000 |
| Montour County Pennsylvania | 10 | $ 1,190,000 | $ 119,000 | $ 74,000 |
| Snyder County Pennsylvania | 10 | $ 1,300,000 | $ 130,000 | $ 71,000 |
| Lake County Ohio | 9 | $ 1,805,000 | $ 200,000 | $ 226,000 |
| Lehigh County Pennsylvania | 9 | $ 1,285,000 | $ 142,000 | $ 119,000 |
| Marion County Ohio | 8 | $ 870,000 | $ 108,000 | $ 67,000 |
| Ross County Ohio | 8 | $ 1,610,000 | $ 201,000 | $ 162,000 |
| Tuscarawas County Ohio | 8 | $ 1,760,000 | $ 220,000 | $ 100,000 |
| Clarion County Pennsylvania | 8 | $ 1,620,000 | $ 202,000 | $ 79,000 |
| Greene County Pennsylvania | 8 | $ 710,000 | $ 88,000 | $ 86,000 |
| York County Pennsylvania | 8 | $ 24,890,000 | $ 3,111,000 | $ 114,000 |
| Clinton County Ohio | 7 | $ 2,765,000 | $ 395,000 | $ 200,000 |
| Jefferson County Ohio | 7 | $ 1,265,000 | $ 180,000 | $ 115,000 |
| Ottawa County Ohio | 7 | $ 3,105,000 | $ 443,000 | $ 169,000 |
| Lancaster County Pennsylvania | 7 | $ 1,425,000 | $ 203,000 | $ 105,000 |
| Mifflin County Pennsylvania | 7 | $ 885,000 | $ 126,000 | $ 74,000 |
| Venango County Pennsylvania | 7 | $ 1,155,000 | $ 165,000 | $ 112,000 |
| Brown County Ohio | 6 | $ 390,000 | $ 65,000 | $ 118,000 |
| Clark County Ohio | 6 | $ 1,400,000 | $ 233,000 | $ 141,000 |
| Lucas County Ohio | 6 | $ 310,000 | $ 51,000 | $ 152,000 |
| Richland County Ohio | 6 | $ 1,200,000 | $ 200,000 | $ 105,000 |
| Berks County Pennsylvania | 6 | $ 520,000 | $ 86,000 | $ 237,000 |
| Dauphin County Pennsylvania | 6 | $ 1,120,000 | $ 186,000 | $ 86,000 |
| Delaware County Pennsylvania | 6 | $ 760,000 | $ 126,000 | $ 64,000 |
| Lackawanna County Pennsylvania | 6 | $ 1,270,000 | $ 211,000 | $ 81,000 |
| Dearborn County Indiana | 5 | $ 735,000 | $ 147,000 | $ 188,000 |
| Campbell County Kentucky | 5 | $ 205,000 | $ 41,000 | $ 88,000 |
| Ashland County Ohio | 5 | $ 515,000 | $ 103,000 | $ 81,000 |
| Muskingum County Ohio | 5 | $ 1,685,000 | $ 337,000 | $ 111,000 |
| Cameron County Pennsylvania | 5 | $ 285,000 | $ 57,000 | $ 108,000 |
| Chester County Pennsylvania | 5 | $ 755,000 | $ 151,000 | $ 158,000 |
| Montgomery County Pennsylvania | 5 | $ 1,935,000 | $ 387,000 | $ 313,000 |
| Warren County Pennsylvania | 5 | $ 635,000 | $ 127,000 | $ 168,000 |
| Collier County Florida | 4 | $ 4,470,000 | $ 1,117,000 | $ 704,000 |
| Lee County Florida | 4 | $ 1,430,000 | $ 357,000 | $ 112,000 |
| Athens County Ohio | 4 | $ 320,000 | $ 80,000 | $ 73,000 |
| Coshocton County Ohio | 4 | $ 180,000 | $ 45,000 | $ 70,000 |
| Holmes County Ohio | 4 | $ 780,000 | $ 195,000 | $ 108,000 |
| Miami County Ohio | 4 | $ 2,580,000 | $ 645,000 | $ 145,000 |
| Luzerne County Pennsylvania | 4 | $ 210,000 | $ 52,000 | $ 42,000 |
| McKean County Pennsylvania | 4 | $ 380,000 | $ 95,000 | $ 67,000 |
| Schuylkill County Pennsylvania | 4 | $ 580,000 | $ 145,000 | $ 88,000 |
| Brooke County West Virginia | 4 | $ 430,000 | $ 107,000 | $ 95,000 |
| Broward County Florida | 3 | $ 1,515,000 | $ 505,000 | $ 410,000 |
| Sarasota County Florida | 3 | $ 1,725,000 | $ 575,000 | $ 392,000 |
| Grant County Kentucky | 3 | $ 195,000 | $ 65,000 | $ 56,000 |
| Allen County Ohio | 3 | $ 435,000 | $ 145,000 | $ 81,000 |
| Darke County Ohio | 3 | $ 1,345,000 | $ 448,000 | $ 122,000 |
| Defiance County Ohio | 3 | $ 495,000 | $ 165,000 | $ 238,000 |
| Fulton County Ohio | 3 | $ 525,000 | $ 175,000 | $ 69,000 |
| Logan County Ohio | 3 | $ 915,000 | $ 305,000 | $ 270,000 |
| Preble County Ohio | 3 | $ 985,000 | $ 328,000 | $ 119,000 |
| Northampton County Pennsylvania | 3 | $ 155,000 | $ 51,000 | $ 81,000 |
| Tioga County Pennsylvania | 3 | $ 345,000 | $ 115,000 | $ 40,000 |
| Hancock County West Virginia | 3 | $ 315,000 | $ 105,000 | $ 112,000 |
| Monongalia County West Virginia | 3 | $ 855,000 | $ 285,000 | $ 244,000 |
| Hamilton County Indiana | 2 | $ 120,000 | $ 60,000 | $ 119,000 |
| Marion County Indiana | 2 | $ 70,000 | $ 35,000 | $ 62,000 |
| Ripley County Indiana | 2 | $ 70,000 | $ 35,000 | $ 120,000 |
| Boone County Kentucky | 2 | $ 90,000 | $ 45,000 | $ 95,000 |
| Fayette County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 102,000 |
| Jefferson County Kentucky | 2 | $ 290,000 | $ 145,000 | $ 87,000 |
| Warren County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 170,000 |
| Erie County Ohio | 2 | $ 740,000 | $ 370,000 | $ 151,000 |
| Lawrence County Ohio | 2 | $ 120,000 | $ 60,000 | $ 146,000 |
| Perry County Ohio | 2 | $ 400,000 | $ 200,000 | $ 317,000 |
| Pike County Ohio | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Washington County Ohio | 2 | $ 50,000 | $ 25,000 | $ 163,000 |
| Williams County Ohio | 2 | $ 60,000 | $ 30,000 | $ 67,000 |
| Wood County Ohio | 2 | $ 180,000 | $ 90,000 | $ 155,000 |
| Adams County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 123,000 |
| Bucks County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 504,000 |
| Carbon County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 74,000 |
| Cumberland County Pennsylvania | 2 | $ 60,000 | $ 30,000 | $ 108,000 |
| Monroe County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 60,000 |
| Pike County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 132,000 |
| Wayne County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 86,000 |
| Horry County South Carolina | 2 | $ 910,000 | $ 455,000 | $ 188,000 |
| Marshall County West Virginia | 2 | $ 530,000 | $ 265,000 | $ 145,000 |
| Tulare County California | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| New Castle County Delaware | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Charlotte County Florida | 1 | $ 405,000 | $ 405,000 | $ 377,000 |
| Manatee County Florida | 1 | $ 175,000 | $ 175,000 | $ 300,000 |
| Monroe County Florida | 1 | $ 905,000 | $ 905,000 | $ 180,000 |
| Walton County Florida | 1 | $ 325,000 | $ 325,000 | $ 251,000 |
| Boone County Indiana | 1 | $ 65,000 | $ 65,000 | $ 331,000 |
| DeKalb County Indiana | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
| Franklin County Indiana | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Hendricks County Indiana | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Jackson County Indiana | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Jefferson County Indiana | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Knox County Indiana | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Lake County Indiana | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Lawrence County Indiana | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Monroe County Indiana | 1 | $ 3,235,000 | $ 3,235,000 | $ 0 |
| Morgan County Indiana | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Porter County Indiana | 1 | $ 25,000 | $ 25,000 | $ 1,500,000 |
| Casey County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Daviess County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Muhlenberg County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Ohio County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Scott County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Washington County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Alger County Michigan | 1 | $ 295,000 | $ 295,000 | $ 1,120,000 |
| Pulaski County Missouri | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Onslow County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 281,000 |
| Richmond County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Adams County Ohio | 1 | $ 595,000 | $ 595,000 | $ 189,000 |
| Auglaize County Ohio | 1 | $ 305,000 | $ 305,000 | $ 32,000 |
| Belmont County Ohio | 1 | $ 405,000 | $ 405,000 | $ 76,000 |
| Champaign County Ohio | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Crawford County Ohio | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Fayette County Ohio | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Gallia County Ohio | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Hardin County Ohio | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Harrison County Ohio | 1 | $ 65,000 | $ 65,000 | $ 98,000 |
| Henry County Ohio | 1 | $ 105,000 | $ 105,000 | $ 780,000 |
| Highland County Ohio | 1 | $ 315,000 | $ 315,000 | $ 99,000 |
| Hocking County Ohio | 1 | $ 645,000 | $ 645,000 | $ 228,000 |
| Meigs County Ohio | 1 | $ 55,000 | $ 55,000 | $ 132,000 |
| Paulding County Ohio | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Sandusky County Ohio | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Seneca County Ohio | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Bradford County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 30,000 |
| Forest County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 116,000 |
| Franklin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 162,000 |
| Fulton County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 217,000 |
| Lebanon County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Potter County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Sullivan County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
| Susquehanna County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 565,000 |
| Beaufort County South Carolina | 1 | $ 485,000 | $ 485,000 | $ 716,000 |
| Cumberland County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Davidson County Tennessee | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,223,000 |
| Hamblen County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Bedford County Virginia | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Braxton County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Fayette County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 125,000 |
| Kanawha County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Ohio County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for First Commonwealth Bank in 2022
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 | 4,804 | $727,540,000 | $151,000 | $70,005,000 | $104,000 | $1,680,000 |
| Home Improvement | 3,154 | $218,140,000 | $69,000 | $1,005,000 | $108,000 | $1,766,000 |
| Other Purpose | 2,359 | $160,525,000 | $68,000 | $1,005,000 | $108,000 | $3,659,000 |
| Home Purchase | 2,259 | $797,225,000 | $352,000 | $49,735,000 | $118,000 | $1,830,000 |
| Cash-out Refinancing | 13 | $1,925,000 | $148,000 | $255,000 | $147,000 | $209,000 |
| 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 | 10,605 | $1,261,675,000 | $118,000 | $3,775,000 | $106,000 | $2,252,000 |
| Not Provided | 1,011 | $137,115,000 | $135,000 | $1,505,000 | $128,000 | $1,619,000 |
| Black or African American | 354 | $36,640,000 | $103,000 | $815,000 | $73,000 | $738,000 |
| Not applicable | 257 | $408,385,000 | $1,589,000 | $70,005,000 | $0 | $0 |
| Hispanic | 169 | $17,695,000 | $104,000 | $915,000 | $89,000 | $366,000 |
| Asian | 128 | $28,230,000 | $220,000 | $1,925,000 | $194,000 | $3,659,000 |
| American Indian or Alaskan Native | 24 | $3,620,000 | $150,000 | $585,000 | $101,000 | $719,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $470,000 | $78,000 | $255,000 | $74,000 | $135,000 |
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) | 12,289 | $1,855,015,000 | $150,000 | $70,005,000 | $109,000 | $3,659,000 |
| FHA-insured (Federal Housing Administration) | 155 | $24,355,000 | $157,000 | $425,000 | $63,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $10,815,000 | $124,000 | $285,000 | $51,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 58 | $15,170,000 | $261,000 | $815,000 | $86,000 | $168,000 |
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 | 7,316 | $1,366,040,000 | $186,000 | $70,005,000 | $119,000 | $3,659,000 |
| Application Denied By Financial Institution | 3,371 | $292,825,000 | $86,000 | $4,355,000 | $86,000 | $1,920,000 |
| Application Withdrawn By Applicant | 771 | $96,975,000 | $125,000 | $3,775,000 | $103,000 | $1,207,000 |
| Application Approved But Not Accepted | 560 | $80,060,000 | $142,000 | $1,465,000 | $104,000 | $1,718,000 |
| File Closed For Incompleteness | 525 | $63,195,000 | $120,000 | $1,705,000 | $118,000 | $1,080,000 |
| Loan Purchased By The Institution | 22 | $2,990,000 | $135,000 | $325,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 20 | $2,250,000 | $112,000 | $355,000 | $37,000 | $111,000 |
| Preapproval Approved but not Accepted | 4 | $1,020,000 | $255,000 | $365,000 | $105,000 | $213,000 |
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 | 9,198 | $1,610,280,000 | $175,000 | $70,005,000 | $116,000 | $3,659,000 |
| Credit History | 1,912 | $127,640,000 | $66,000 | $1,005,000 | $90,000 | $1,920,000 |
| Debt-To-Income Ratio | 794 | $89,650,000 | $112,000 | $815,000 | $54,000 | $802,000 |
| Collateral | 361 | $29,895,000 | $82,000 | $785,000 | $110,000 | $1,200,000 |
| Other | 262 | $38,840,000 | $148,000 | $4,355,000 | $131,000 | $673,000 |
| Employment History | 29 | $3,895,000 | $134,000 | $325,000 | $57,000 | $186,000 |
| Credit Application Incomplete | 15 | $1,635,000 | $109,000 | $265,000 | $96,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,480,000 | $148,000 | $395,000 | $62,000 | $117,000 |
| Unverifiable Information | 8 | $2,040,000 | $255,000 | $595,000 | $54,000 | $152,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Commonwealth Bank's 2022 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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