First National Bank of Cc Mortgage Lending & HMDA Data, 2009

In 2009, First National Bank of Cc of West Chester, PA reported 13,861 mortgage applications totaling $3.1 billion, up 4013% from 2008. The average application was for $225,264, and applicants reported an average income of $94,286. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Philadelphia, PA (2,427), Rockingham County-Strafford County, NH (641) and Portland-South Portland-Biddeford, ME (555) (applications in parentheses).

Mortgage Company & Address First National Bank of Cc
P.O. Box 523
West Chester, PA 19381
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 13,861
Total Mortgage Loan Application Amount $3,122,385,000
Average Mortgage Loan Application Amount $225,264
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $94,286
Highest Applicant Income $5,600,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Cc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for First National Bank of Cc by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Montgomery, Pennsylvania 769 $ 182,125,000 $ 236,833 $ 95,000
Philadelphia, Pennsylvania 565 $ 103,589,000 $ 183,343 $ 70,000
Lancaster, Pennsylvania 549 $ 100,855,000 $ 183,706 $ 70,000
Rockingham, New Hampshire 520 $ 140,585,000 $ 270,355 $ 122,000
Cumberland, Maine 417 $ 104,129,000 $ 249,709 $ 126,000
Chester, Pennsylvania 415 $ 90,580,000 $ 218,265 $ 117,000
Bucks, Pennsylvania 408 $ 101,221,000 $ 248,090 $ 88,000
Middlesex, Massachusetts 331 $ 100,137,000 $ 302,528 $ 138,000
York, Pennsylvania 331 $ 66,290,000 $ 200,271 $ 67,000
Norfolk, Massachusetts 290 $ 84,803,000 $ 292,424 $ 131,000
Cumberland, Pennsylvania 275 $ 51,689,000 $ 187,960 $ 81,000
Delaware, Pennsylvania 270 $ 53,355,000 $ 197,611 $ 75,000
Franklin, Pennsylvania 261 $ 42,470,000 $ 162,720 $ 71,000
Monmouth, New Jersey 216 $ 59,992,000 $ 277,740 $ 120,000
Atlantic, New Jersey 211 $ 45,197,000 $ 214,203 $ 85,000
Montgomery, Maryland 206 $ 79,202,000 $ 384,475 $ 180,000
New Castle, Delaware 193 $ 39,493,000 $ 204,626 $ 74,000
Dauphin, Pennsylvania 177 $ 28,760,000 $ 162,485 $ 86,000
Sussex, Delaware 171 $ 40,388,000 $ 236,187 $ 102,000
Grafton, New Hampshire 171 $ 44,513,000 $ 260,309 $ 140,000
Hillsborough, New Hampshire 164 $ 37,103,000 $ 226,237 $ 99,000
Northampton, Pennsylvania 159 $ 27,575,000 $ 173,427 $ 63,000
Worcester, Massachusetts 158 $ 40,618,000 $ 257,075 $ 116,000
Essex, Massachusetts 156 $ 41,014,000 $ 262,910 $ 111,000
Plymouth, Massachusetts 148 $ 42,200,000 $ 285,135 $ 148,000
Ocean, New Jersey 147 $ 36,398,000 $ 247,605 $ 90,000
Mecklenburg, North Carolina 144 $ 27,479,000 $ 190,826 $ 72,000
Anne Arundel, Maryland 139 $ 37,571,000 $ 270,294 $ 75,000
Camden, New Jersey 132 $ 26,878,000 $ 203,621 $ 85,000
Burlington, New Jersey 130 $ 28,392,000 $ 218,400 $ 75,000
York, Maine 128 $ 30,104,000 $ 235,187 $ 101,000
Strafford, New Hampshire 121 $ 25,589,000 $ 211,479 $ 83,000
Kent, Delaware 117 $ 25,849,000 $ 220,931 $ 59,000
Lehigh, Pennsylvania 115 $ 21,120,000 $ 183,652 $ 72,000
Windsor, Vermont 102 $ 25,146,000 $ 246,529 $ 132,000
Baltimore, Maryland 100 $ 25,844,000 $ 258,440 $ 103,000
Suffolk, Massachusetts 98 $ 28,035,000 $ 286,071 $ 110,000
York, South Carolina 82 $ 13,119,000 $ 159,987 $ 53,000
Union, Pennsylvania 78 $ 14,485,000 $ 185,705 $ 88,000
Lycoming, Pennsylvania 77 $ 10,297,000 $ 133,727 $ 63,000
Prince George's, Maryland 76 $ 17,290,000 $ 227,500 $ 59,000
Berks, Pennsylvania 76 $ 12,186,000 $ 160,342 $ 63,000
Cape May, New Jersey 75 $ 19,489,000 $ 259,853 $ 134,000
Merrimack, New Hampshire 71 $ 14,347,000 $ 202,070 $ 102,000
Howard, Maryland 70 $ 20,262,000 $ 289,457 $ 109,000
Muscogee, Georgia 69 $ 12,876,000 $ 186,608 $ 81,000
Harford, Maryland 67 $ 16,720,000 $ 249,552 $ 71,000
Adams, Pennsylvania 66 $ 12,575,000 $ 190,530 $ 64,000
Lebanon, Pennsylvania 65 $ 13,272,000 $ 204,184 $ 81,000
Jefferson, Missouri 63 $ 9,390,000 $ 149,047 $ 44,000
Bergen, New Jersey 60 $ 19,334,000 $ 322,233 $ 106,000
Sullivan, New Hampshire 59 $ 12,193,000 $ 206,661 $ 115,000
Centre, Pennsylvania 59 $ 10,278,000 $ 174,203 $ 60,000
Monroe, Pennsylvania 58 $ 10,452,000 $ 180,206 $ 90,000
Middlesex, New Jersey 57 $ 16,853,000 $ 295,666 $ 100,000
Northumberland, Pennsylvania 56 $ 7,736,000 $ 138,142 $ 58,000
District of Columbia, District Of Columbia 55 $ 21,903,000 $ 398,236 $ 197,000
Cecil, Maryland 55 $ 14,590,000 $ 265,272 $ 80,000
St. Johns, Florida 53 $ 12,586,000 $ 237,471 $ 157,000
Hampden, Massachusetts 51 $ 9,252,000 $ 181,411 $ 72,000
Dane, Wisconsin 51 $ 10,991,000 $ 215,509 $ 97,000
Mercer, New Jersey 49 $ 11,278,000 $ 230,163 $ 80,000
Essex, New Jersey 48 $ 13,159,000 $ 274,145 $ 73,000
Androscoggin, Maine 46 $ 7,563,000 $ 164,413 $ 71,000
Davidson, Tennessee 45 $ 8,278,000 $ 183,955 $ 76,000
Broome, New York 44 $ 5,330,000 $ 121,136 $ 59,000
Beaufort, South Carolina 44 $ 14,122,000 $ 320,954 $ 166,000
Bristol, Massachusetts 43 $ 11,321,000 $ 263,279 $ 96,000
Clinton, Pennsylvania 43 $ 5,973,000 $ 138,906 $ 73,000
Gloucester, New Jersey 42 $ 9,790,000 $ 233,095 $ 68,000
Barnstable, Massachusetts 39 $ 11,651,000 $ 298,743 $ 197,000
Buncombe, North Carolina 37 $ 6,845,000 $ 185,000 $ 52,000
Passaic, New Jersey 36 $ 10,900,000 $ 302,777 $ 96,000
Baltimore City, Maryland 35 $ 7,523,000 $ 214,942 $ 86,000
Snyder, Pennsylvania 35 $ 4,666,000 $ 133,314 $ 56,000
Columbia, Pennsylvania 34 $ 5,477,000 $ 161,088 $ 65,000
Orange, Vermont 34 $ 7,232,000 $ 212,705 $ 106,000
St. Mary's, Maryland 32 $ 8,307,000 $ 259,593 $ 86,000
Morris, New Jersey 32 $ 9,611,000 $ 300,343 $ 114,000
Union, New Jersey 31 $ 9,368,000 $ 302,193 $ 94,000
Gaston, North Carolina 31 $ 3,763,000 $ 121,387 $ 45,000
Fairfield, Connecticut 30 $ 11,228,000 $ 374,266 $ 184,000
Jefferson, Kentucky 30 $ 6,655,000 $ 221,833 $ 114,000
Frederick, Maryland 30 $ 7,070,000 $ 235,666 $ 61,000
Fairfax, Virginia 30 $ 10,581,000 $ 352,700 $ 111,000
Luzerne, Pennsylvania 29 $ 3,518,000 $ 121,310 $ 60,000
Providence, Rhode Island 29 $ 5,298,000 $ 182,689 $ 64,000
Somerset, New Jersey 28 $ 9,206,000 $ 328,785 $ 118,000
Union, North Carolina 27 $ 5,016,000 $ 185,777 $ 64,000
Stark, Ohio 27 $ 3,445,000 $ 127,592 $ 59,000
Washington, Maryland 26 $ 6,615,000 $ 254,423 $ 80,000
Iredell, North Carolina 26 $ 5,987,000 $ 230,269 $ 85,000
Duval, Florida 25 $ 5,816,000 $ 232,640 $ 87,000
Harris, Georgia 25 $ 5,415,000 $ 216,600 $ 87,000
Carroll, Maryland 25 $ 7,936,000 $ 317,440 $ 99,000
Charleston, South Carolina 25 $ 6,051,000 $ 242,040 $ 108,000
Baldwin, Georgia 24 $ 5,205,000 $ 216,875 $ 112,000
Worcester, Maryland 22 $ 5,828,000 $ 264,909 $ 115,000
Carroll, New Hampshire 22 $ 5,191,000 $ 235,954 $ 194,000
Lincoln, North Carolina 22 $ 3,315,000 $ 150,681 $ 45,000
Hartford, Connecticut 21 $ 5,279,000 $ 251,380 $ 99,000
Hampshire, Massachusetts 21 $ 4,211,000 $ 200,523 $ 71,000
Cambria, Pennsylvania 21 $ 2,092,000 $ 99,619 $ 61,000
St. Louis, Missouri 20 $ 2,375,000 $ 118,750 $ 56,000
Cumberland, New Jersey 20 $ 2,718,000 $ 135,900 $ 38,000
Anderson, South Carolina 20 $ 2,233,000 $ 111,650 $ 48,000
Oldham, Kentucky 19 $ 5,971,000 $ 314,263 $ 115,000
Oxford, Maine 19 $ 3,611,000 $ 190,052 $ 89,000
Calvert, Maryland 19 $ 5,552,000 $ 292,210 $ 86,000
Hudson, New Jersey 19 $ 7,050,000 $ 371,052 $ 97,000
Hunterdon, New Jersey 19 $ 5,823,000 $ 306,473 $ 117,000
Carbon, Pennsylvania 19 $ 3,480,000 $ 183,157 $ 93,000
Perry, Pennsylvania 19 $ 3,223,000 $ 169,631 $ 64,000
Murray, Georgia 18 $ 1,932,000 $ 107,333 $ 36,000
Sussex, New Jersey 18 $ 4,652,000 $ 258,444 $ 72,000
Cabarrus, North Carolina 18 $ 2,690,000 $ 149,444 $ 49,000
Lackawanna, Pennsylvania 18 $ 2,660,000 $ 147,777 $ 58,000
Prince William, Virginia 18 $ 4,679,000 $ 259,944 $ 39,000
Berkeley, West Virginia 18 $ 3,656,000 $ 203,111 $ 44,000
Belknap, New Hampshire 17 $ 3,909,000 $ 229,941 $ 123,000
Jefferson, West Virginia 17 $ 4,337,000 $ 255,117 $ 40,000
Pike, Pennsylvania 16 $ 3,133,000 $ 195,812 $ 95,000
Juniata, Pennsylvania 15 $ 1,633,000 $ 108,866 $ 51,000
Spartanburg, South Carolina 15 $ 2,021,000 $ 134,733 $ 49,000
Whitfield, Georgia 14 $ 1,690,000 $ 120,714 $ 47,000
Franklin, Maine 14 $ 2,949,000 $ 210,642 $ 159,000
Wicomico, Maryland 14 $ 2,736,000 $ 195,428 $ 34,000
Rensselaer, New York 14 $ 3,274,000 $ 233,857 $ 108,000
Rockland, New York 14 $ 4,191,000 $ 299,357 $ 165,000
Allegheny, Pennsylvania 14 $ 2,202,000 $ 157,285 $ 87,000
Clearfield, Pennsylvania 14 $ 1,390,000 $ 99,285 $ 39,000
Fulton, Pennsylvania 14 $ 2,049,000 $ 146,357 $ 94,000
Dorchester, South Carolina 14 $ 2,212,000 $ 158,000 $ 46,000
Lancaster, South Carolina 14 $ 3,075,000 $ 219,642 $ 75,000
Glynn, Georgia 13 $ 2,513,000 $ 193,307 $ 79,000
Rowan, North Carolina 13 $ 1,559,000 $ 119,923 $ 71,000
Wake, North Carolina 13 $ 3,070,000 $ 236,153 $ 116,000
Horry, South Carolina 13 $ 2,420,000 $ 186,153 $ 85,000
Cook, Illinois 12 $ 2,773,000 $ 231,083 $ 99,000
Charles, Maryland 12 $ 3,505,000 $ 292,083 $ 84,000
Albany, New York 12 $ 2,063,000 $ 171,916 $ 51,000
Blair, Pennsylvania 12 $ 2,037,000 $ 169,750 $ 94,000
Berkeley, South Carolina 12 $ 2,284,000 $ 190,333 $ 46,000
Greenville, South Carolina 12 $ 2,450,000 $ 204,166 $ 83,000
New Haven, Connecticut 11 $ 2,737,000 $ 248,818 $ 98,000
Lee, Florida 11 $ 1,910,000 $ 173,636 $ 100,000
Delaware, New York 11 $ 1,227,000 $ 111,545 $ 63,000
Tioga, New York 11 $ 1,272,000 $ 115,636 $ 74,000
Huntingdon, Pennsylvania 11 $ 2,160,000 $ 196,363 $ 105,000
Williamson, Tennessee 11 $ 3,543,000 $ 322,090 $ 140,000
Arlington, Virginia 11 $ 4,582,000 $ 416,545 $ 156,000
Chatham, Georgia 10 $ 3,776,000 $ 377,600 $ 105,000
Kennebec, Maine 10 $ 1,471,000 $ 147,100 $ 64,000
Sagadahoc, Maine 10 $ 1,744,000 $ 174,400 $ 78,000
Queen Anne's, Maryland 10 $ 2,840,000 $ 284,000 $ 87,000
Cleveland, North Carolina 10 $ 1,483,000 $ 148,300 $ 51,000
Vance, North Carolina 10 $ 1,509,000 $ 150,900 $ 58,000
Loudoun, Virginia 10 $ 3,714,000 $ 371,400 $ 149,000
Russell, Alabama 9 $ 1,197,000 $ 133,000 $ 50,000
Cobb, Georgia 9 $ 2,222,000 $ 246,888 $ 100,000
Kings, New York 9 $ 3,606,000 $ 400,666 $ 80,000
Schenectady, New York 9 $ 1,478,000 $ 164,222 $ 68,000
Madison, North Carolina 9 $ 1,288,000 $ 143,111 $ 44,000
Rutland, Vermont 9 $ 1,565,000 $ 173,888 $ 112,000
Caroline, Maryland 8 $ 1,317,000 $ 164,625 $ 54,000
Cheshire, New Hampshire 8 $ 1,705,000 $ 213,125 $ 112,000
Nassau, New York 8 $ 2,868,000 $ 358,500 $ 123,000
Otsego, New York 8 $ 1,175,000 $ 146,875 $ 51,000
Catawba, North Carolina 8 $ 2,520,000 $ 315,000 $ 105,000
Henderson, North Carolina 8 $ 1,739,000 $ 217,375 $ 81,000
Columbiana, Ohio 8 $ 965,000 $ 120,625 $ 60,000
Westmoreland, Pennsylvania 8 $ 1,424,000 $ 178,000 $ 35,000
Pickens, South Carolina 8 $ 1,149,000 $ 143,625 $ 61,000
Fulton, Georgia 7 $ 1,385,000 $ 197,857 $ 89,000
Chenango, New York 7 $ 898,000 $ 128,285 $ 58,000
Saratoga, New York 7 $ 1,020,000 $ 145,714 $ 98,000
Suffolk, New York 7 $ 1,923,000 $ 274,714 $ 112,000
Brunswick, North Carolina 7 $ 1,235,000 $ 176,428 $ 50,000
Johnston, North Carolina 7 $ 931,000 $ 133,000 $ 62,000
Lee, North Carolina 7 $ 1,109,000 $ 158,428 $ 88,000
Bradford, Pennsylvania 7 $ 1,101,000 $ 157,285 $ 62,000
Brevard, Florida 6 $ 1,137,000 $ 189,500 $ 109,000
Hillsborough, Florida 6 $ 1,142,000 $ 190,333 $ 106,000
Effingham, Georgia 6 $ 884,000 $ 147,333 $ 54,000
Franklin, Massachusetts 6 $ 1,304,000 $ 217,333 $ 85,000
Chemung, New York 6 $ 683,000 $ 113,833 $ 57,000
Oneida, New York 6 $ 727,000 $ 121,166 $ 50,000
Orange, New York 6 $ 1,833,000 $ 305,500 $ 119,000
Rutherford, North Carolina 6 $ 1,508,000 $ 251,333 $ 190,000
Erie, Pennsylvania 6 $ 860,000 $ 143,333 $ 54,000
Montour, Pennsylvania 6 $ 1,291,000 $ 215,166 $ 84,000
Schuylkill, Pennsylvania 6 $ 965,000 $ 160,833 $ 66,000
Susquehanna, Pennsylvania 6 $ 891,000 $ 148,500 $ 63,000
Florence, South Carolina 6 $ 590,000 $ 98,333 $ 37,000
Shelby, Tennessee 6 $ 1,727,000 $ 287,833 $ 148,000
Alexandria, Virginia 6 $ 2,520,000 $ 420,000 $ 151,000
Chesterfield, Virginia 6 $ 1,707,000 $ 284,500 $ 112,000
Hamilton, Florida 5 $ 739,000 $ 147,800 $ 60,000
Palm Beach, Florida 5 $ 1,263,000 $ 252,600 $ 387,000
Cherokee, Georgia 5 $ 2,458,000 $ 491,600 $ 143,000
Gwinnett, Georgia 5 $ 1,158,000 $ 231,600 $ 85,000
Henry, Georgia 5 $ 1,026,000 $ 205,200 $ 116,000
Allen, Indiana 5 $ 489,000 $ 97,800 $ 51,000
Hancock, Maine 5 $ 903,000 $ 180,600 $ 218,000
Kent, Maryland 5 $ 860,000 $ 172,000 $ 71,000
Dukes, Massachusetts 5 $ 1,853,000 $ 370,600 $ 175,000
Coos, New Hampshire 5 $ 1,015,000 $ 203,000 $ 191,000
Salem, New Jersey 5 $ 771,000 $ 154,200 $ 42,000
Dutchess, New York 5 $ 1,349,000 $ 269,800 $ 116,000
Queens, New York 5 $ 2,030,000 $ 406,000 $ 62,000
Warren, New York 5 $ 816,000 $ 163,200 $ 155,000
Guilford, North Carolina 5 $ 622,000 $ 124,400 $ 34,000
Harnett, North Carolina 5 $ 822,000 $ 164,400 $ 63,000
McDowell, North Carolina 5 $ 1,133,000 $ 226,600 $ 77,000
Stanly, North Carolina 5 $ 679,000 $ 135,800 $ 39,000
Franklin, Ohio 5 $ 1,207,000 $ 241,400 $ 53,000
Tioga, Pennsylvania 5 $ 685,000 $ 137,000 $ 50,000
Venango, Pennsylvania 5 $ 776,000 $ 155,200 $ 46,000
Sumner, Tennessee 5 $ 1,100,000 $ 220,000 $ 79,000
Wilson, Tennessee 5 $ 867,000 $ 173,400 $ 78,000
Fauquier, Virginia 5 $ 1,665,000 $ 333,000 $ 114,000
Jefferson, Alabama 4 $ 821,000 $ 205,250 $ 92,000
Maricopa, Arizona 4 $ 786,000 $ 196,500 $ 107,000
Denver, Colorado 4 $ 1,023,000 $ 255,750 $ 57,000
Tolland, Connecticut 4 $ 1,094,000 $ 273,500 $ 113,000
Alachua, Florida 4 $ 904,000 $ 226,000 $ 66,000
Collier, Florida 4 $ 763,000 $ 190,750 $ 161,000
Emanuel, Georgia 4 $ 320,000 $ 80,000 $ 30,000
Newton, Georgia 4 $ 609,000 $ 152,250 $ 77,000
Putnam, Georgia 4 $ 677,000 $ 169,250 $ 145,000
Floyd, Indiana 4 $ 977,000 $ 244,250 $ 119,000
Penobscot, Maine 4 $ 554,000 $ 138,500 $ 51,000
Iron, Missouri 4 $ 490,000 $ 122,500 $ 32,000
St. Charles, Missouri 4 $ 726,000 $ 181,500 $ 43,000
Eddy, New Mexico 4 $ 378,000 $ 94,500 $ 35,000
Bronx, New York 4 $ 1,102,000 $ 275,500 $ 24,000
Franklin, New York 4 $ 730,000 $ 182,500 $ 132,000
Herkimer, New York 4 $ 637,000 $ 159,250 $ 128,000
Burke, North Carolina 4 $ 519,000 $ 129,750 $ 53,000
Davidson, North Carolina 4 $ 736,000 $ 184,000 $ 97,000
Forsyth, North Carolina 4 $ 575,000 $ 143,750 $ 85,000
Granville, North Carolina 4 $ 957,000 $ 239,250 $ 111,000
Haywood, North Carolina 4 $ 1,320,000 $ 330,000 $ 116,000
Macon, North Carolina 4 $ 484,000 $ 121,000 $ 132,000
Pender, North Carolina 4 $ 826,000 $ 206,500 $ 60,000
Person, North Carolina 4 $ 530,000 $ 132,500 $ 41,000
Ashland, Ohio 4 $ 611,000 $ 152,750 $ 67,000
Delaware, Ohio 4 $ 755,000 $ 188,750 $ 28,000
Licking, Ohio 4 $ 687,000 $ 171,750 $ 71,000
Medina, Ohio 4 $ 682,000 $ 170,500 $ 59,000
Perry, Ohio 4 $ 755,000 $ 188,750 $ 53,000
Pickaway, Ohio 4 $ 739,000 $ 184,750 $ 62,000
Portage, Ohio 4 $ 655,000 $ 163,750 $ 60,000
Tuscarawas, Ohio 4 $ 465,000 $ 116,250 $ 35,000
Beaver, Pennsylvania 4 $ 701,000 $ 175,250 $ 72,000
Mercer, Pennsylvania 4 $ 693,000 $ 173,250 $ 71,000
Washington, Pennsylvania 4 $ 670,000 $ 167,500 $ 33,000
Wayne, Pennsylvania 4 $ 870,000 $ 217,500 $ 136,000
Kent, Rhode Island 4 $ 791,000 $ 197,750 $ 81,000
Abbeville, South Carolina 4 $ 448,000 $ 112,000 $ 48,000
Norfolk, Virginia 4 $ 597,000 $ 149,250 $ 12,000
Pittsylvania, Virginia 4 $ 894,000 $ 223,500 $ 74,000
Milwaukee, Wisconsin 4 $ 911,000 $ 227,750 $ 122,000
Racine, Wisconsin 4 $ 547,000 $ 136,750 $ 54,000
Orange, California 3 $ 1,336,000 $ 445,333 $ 138,000
Arapahoe, Colorado 3 $ 471,000 $ 157,000 $ 55,000
Broward, Florida 3 $ 682,000 $ 227,333 $ 177,000
Miami-Dade, Florida 3 $ 654,000 $ 218,000 $ 151,000
Orange, Florida 3 $ 595,000 $ 198,333 $ 126,000
Pinellas, Florida 3 $ 948,000 $ 316,000 $ 186,000
Volusia, Florida 3 $ 657,000 $ 219,000 $ 177,000
Carroll, Georgia 3 $ 420,000 $ 140,000 $ 65,000
Gordon, Georgia 3 $ 351,000 $ 117,000 $ 62,000
DuPage, Illinois 3 $ 1,523,000 $ 507,666 $ 116,000
Clark, Indiana 3 $ 701,000 $ 233,666 $ 89,000
Daviess, Kentucky 3 $ 272,000 $ 90,666 $ 43,000
Lincoln, Maine 3 $ 449,000 $ 149,666 $ 58,000
Dorchester, Maryland 3 $ 529,000 $ 176,333 $ 34,000
Nantucket, Massachusetts 3 $ 957,000 $ 319,000 $ 270,000
Franklin, Missouri 3 $ 642,000 $ 214,000 $ 72,000
Warren, New Jersey 3 $ 615,000 $ 205,000 $ 84,000
Fulton, New York 3 $ 358,000 $ 119,333 $ 46,000
Onondaga, New York 3 $ 613,000 $ 204,333 $ 63,000
Ontario, New York 3 $ 753,000 $ 251,000 $ 82,000
Schoharie, New York 3 $ 379,000 $ 126,333 $ 72,000
Westchester, New York 3 $ 1,182,000 $ 394,000 $ 117,000
Alamance, North Carolina 3 $ 227,000 $ 75,666 $ 29,000
Bladen, North Carolina 3 $ 282,000 $ 94,000 $ 32,000
Davie, North Carolina 3 $ 895,000 $ 298,333 $ 157,000
Polk, North Carolina 3 $ 613,000 $ 204,333 $ 43,000
Randolph, North Carolina 3 $ 605,000 $ 201,666 $ 99,000
Swain, North Carolina 3 $ 1,083,000 $ 361,000 $ 119,000
Watauga, North Carolina 3 $ 805,000 $ 268,333 $ 156,000
Wilkes, North Carolina 3 $ 397,000 $ 132,333 $ 65,000
Carroll, Ohio 3 $ 502,000 $ 167,333 $ 41,000
Mifflin, Pennsylvania 3 $ 397,000 $ 132,333 $ 48,000
Bristol, Rhode Island 3 $ 713,000 $ 237,666 $ 116,000
Newport, Rhode Island 3 $ 949,000 $ 316,333 $ 305,000
Washington, Rhode Island 3 $ 776,000 $ 258,666 $ 97,000
Georgetown, South Carolina 3 $ 418,000 $ 139,333 $ 47,000
Greenwood, South Carolina 3 $ 302,000 $ 100,666 $ 47,000
Laurens, South Carolina 3 $ 304,000 $ 101,333 $ 82,000
Cheatham, Tennessee 3 $ 421,000 $ 140,333 $ 33,000
Greene, Tennessee 3 $ 339,000 $ 113,000 $ 39,000
Maury, Tennessee 3 $ 511,000 $ 170,333 $ 41,000
Rutherford, Tennessee 3 $ 651,000 $ 217,000 $ 67,000
Sevier, Tennessee 3 $ 617,000 $ 205,666 $ 110,000
Lamoille, Vermont 3 $ 443,000 $ 147,666 $ 64,000
Windham, Vermont 3 $ 775,000 $ 258,333 $ 192,000
Culpeper, Virginia 3 $ 1,033,000 $ 344,333 $ 121,000
Columbia, Wisconsin 3 $ 567,000 $ 189,000 $ 77,000
Lee, Alabama 2 $ 328,000 $ 164,000 $ 52,000
Madison, Alabama 2 $ 390,000 $ 195,000 $ 115,000
Washington, Arkansas 2 $ 394,000 $ 197,000 $ 114,000
Adams, Colorado 2 $ 235,000 $ 117,500 $ 27,000
Douglas, Colorado 2 $ 631,000 $ 315,500 $ 165,000
Litchfield, Connecticut 2 $ 444,000 $ 222,000 $ 273,000
Middlesex, Connecticut 2 $ 613,000 $ 306,500 $ 121,000
New London, Connecticut 2 $ 383,000 $ 191,500 $ 141,000
Charlotte, Florida 2 $ 295,000 $ 147,500 $ 127,000
Indian River, Florida 2 $ 573,000 $ 286,500 $ 155,000
Nassau, Florida 2 $ 537,000 $ 268,500 $ 87,000
Osceola, Florida 2 $ 312,000 $ 156,000 $ 56,000
Sarasota, Florida 2 $ 707,000 $ 353,500 $ 258,000
Taylor, Florida 2 $ 320,000 $ 160,000 $ 94,000
Bartow, Georgia 2 $ 466,000 $ 233,000 $ 83,000
Clayton, Georgia 2 $ 169,000 $ 84,500 $ 17,000
Coweta, Georgia 2 $ 363,000 $ 181,500 $ 83,000
DeKalb, Georgia 2 $ 271,000 $ 135,500 $ 97,000
Hancock, Georgia 2 $ 587,000 $ 293,500 $ 218,000
Jackson, Georgia 2 $ 387,000 $ 193,500 $ 56,000
Pike, Georgia 2 $ 498,000 $ 249,000 $ 88,000
Talbot, Georgia 2 $ 222,000 $ 111,000 $ 37,000
Union, Georgia 2 $ 672,000 $ 336,000 $ 137,000
Walton, Georgia 2 $ 626,000 $ 313,000 $ 148,000
Wilkinson, Georgia 2 $ 290,000 $ 145,000 $ 56,000
Worth, Georgia 2 $ 213,000 $ 106,500 $ 67,000
Elkhart, Indiana 2 $ 370,000 $ 185,000 $ 255,000
Black Hawk, Iowa 2 $ 185,000 $ 92,500 $ 44,000
East Baton Rouge, Louisiana 2 $ 381,000 $ 190,500 $ 57,000
Garrett, Maryland 2 $ 612,000 $ 306,000 $ 201,000
Somerset, Maryland 2 $ 356,000 $ 178,000 $ 103,000
Berkshire, Massachusetts 2 $ 580,000 $ 290,000 $ 80,000
Allegan, Michigan 2 $ 708,000 $ 354,000 $ 262,000
Tuscola, Michigan 2 $ 232,000 $ 116,000 $ 24,000
Lincoln, Mississippi 2 $ 354,000 $ 177,000 $ 66,000
Flathead, Montana 2 $ 686,000 $ 343,000 $ 273,000
Clark, Nevada 2 $ 383,000 $ 191,500 $ 0
Washoe, Nevada 2 $ 569,000 $ 284,500 $ 0
Clinton, New York 2 $ 246,000 $ 123,000 $ 64,000
Erie, New York 2 $ 356,000 $ 178,000 $ 25,000
Essex, New York 2 $ 429,000 $ 214,500 $ 200,000
Monroe, New York 2 $ 317,000 $ 158,500 $ 73,000
Montgomery, New York 2 $ 199,000 $ 99,500 $ 35,000
New York, New York 2 $ 535,000 $ 267,500 $ 98,000
Tompkins, New York 2 $ 480,000 $ 240,000 $ 108,000
Washington, New York 2 $ 494,000 $ 247,000 $ 59,000
Yates, New York 2 $ 442,000 $ 221,000 $ 116,000
Caldwell, North Carolina 2 $ 266,000 $ 133,000 $ 54,000
Caswell, North Carolina 2 $ 711,000 $ 355,500 $ 89,000
Chatham, North Carolina 2 $ 933,000 $ 466,500 $ 175,000
Durham, North Carolina 2 $ 243,000 $ 121,500 $ 48,000
Orange, North Carolina 2 $ 338,000 $ 169,000 $ 100,000
Stokes, North Carolina 2 $ 388,000 $ 194,000 $ 58,000
Yadkin, North Carolina 2 $ 253,000 $ 126,500 $ 49,000
Yancey, North Carolina 2 $ 212,000 $ 106,000 $ 70,000
Champaign, Ohio 2 $ 573,000 $ 286,500 $ 86,000
Clermont, Ohio 2 $ 356,000 $ 178,000 $ 67,000
Erie, Ohio 2 $ 380,000 $ 190,000 $ 92,000
Geauga, Ohio 2 $ 377,000 $ 188,500 $ 27,000
Lucas, Ohio 2 $ 270,000 $ 135,000 $ 0
Montgomery, Ohio 2 $ 304,000 $ 152,000 $ 28,000
Ottawa, Ohio 2 $ 428,000 $ 214,000 $ 113,000
Carter, Oklahoma 2 $ 639,000 $ 319,500 $ 225,000
Oklahoma, Oklahoma 2 $ 156,000 $ 78,000 $ 64,000
Bedford, Pennsylvania 2 $ 672,000 $ 336,000 $ 114,000
Clarion, Pennsylvania 2 $ 228,000 $ 114,000 $ 43,000
Somerset, Pennsylvania 2 $ 112,000 $ 56,000 $ 73,000
Sullivan, Pennsylvania 2 $ 387,000 $ 193,500 $ 43,000
Darlington, South Carolina 2 $ 179,000 $ 89,500 $ 35,000
Jasper, South Carolina 2 $ 407,000 $ 203,500 $ 123,000
Lexington, South Carolina 2 $ 441,000 $ 220,500 $ 82,000
Orangeburg, South Carolina 2 $ 355,000 $ 177,500 $ 34,000
Campbell, Tennessee 2 $ 349,000 $ 174,500 $ 127,000
Hamilton, Tennessee 2 $ 258,000 $ 129,000 $ 124,000
Loudon, Tennessee 2 $ 628,000 $ 314,000 $ 236,000
Sequatchie, Tennessee 2 $ 520,000 $ 260,000 $ 113,000
Washington, Tennessee 2 $ 410,000 $ 205,000 $ 367,000
Addison, Vermont 2 $ 291,000 $ 145,500 $ 114,000
Bennington, Vermont 2 $ 264,000 $ 132,000 $ 100,000
Chittenden, Vermont 2 $ 485,000 $ 242,500 $ 200,000
Accomack, Virginia 2 $ 471,000 $ 235,500 $ 208,000
Chesapeake, Virginia 2 $ 382,000 $ 191,000 $ 21,000
Hanover, Virginia 2 $ 313,000 $ 156,500 $ 119,000
James City, Virginia 2 $ 501,000 $ 250,500 $ 177,000
King William, Virginia 2 $ 376,000 $ 188,000 $ 82,000
Newport News, Virginia 2 $ 311,000 $ 155,500 $ 27,000
Richmond City, Virginia 2 $ 356,000 $ 178,000 $ 23,000
Shenandoah, Virginia 2 $ 553,000 $ 276,500 $ 127,000
Spotsylvania, Virginia 2 $ 504,000 $ 252,000 $ 87,000
Barbour, West Virginia 2 $ 254,000 $ 127,000 $ 19,000
Hampshire, West Virginia 2 $ 332,000 $ 166,000 $ 163,000
Ozaukee, Wisconsin 2 $ 513,000 $ 256,500 $ 180,000
Rock, Wisconsin 2 $ 255,000 $ 127,500 $ 39,000
Waukesha, Wisconsin 2 $ 341,000 $ 170,500 $ 167,000
Autauga, Alabama 1 $ 125,000 $ 125,000 $ 54,000
Butler, Alabama 1 $ 240,000 $ 240,000 $ 114,000
Dale, Alabama 1 $ 259,000 $ 259,000 $ 66,000
Shelby, Alabama 1 $ 351,000 $ 351,000 $ 116,000
Gila, Arizona 1 $ 375,000 $ 375,000 $ 151,000
Baxter, Arkansas 1 $ 110,000 $ 110,000 $ 44,000
Crawford, Arkansas 1 $ 74,000 $ 74,000 $ 36,000
Drew, Arkansas 1 $ 162,000 $ 162,000 $ 120,000
Fulton, Arkansas 1 $ 81,000 $ 81,000 $ 25,000
Marion, Arkansas 1 $ 93,000 $ 93,000 $ 22,000
Montgomery, Arkansas 1 $ 365,000 $ 365,000 $ 110,000
Stone, Arkansas 1 $ 103,000 $ 103,000 $ 31,000
El Dorado, California 1 $ 732,000 $ 732,000 $ 134,000
Los Angeles, California 1 $ 383,000 $ 383,000 $ 148,000
Monterey, California 1 $ 417,000 $ 417,000 $ 150,000
Placer, California 1 $ 405,000 $ 405,000 $ 149,000
Plumas, California 1 $ 240,000 $ 240,000 $ 56,000
San Bernardino, California 1 $ 270,000 $ 270,000 $ 68,000
Santa Clara, California 1 $ 638,000 $ 638,000 $ 258,000
Clear Creek, Colorado 1 $ 334,000 $ 334,000 $ 113,000
Moffat, Colorado 1 $ 279,000 $ 279,000 $ 94,000
Windham, Connecticut 1 $ 170,000 $ 170,000 $ 59,000
Calhoun, Florida 1 $ 229,000 $ 229,000 $ 92,000
Clay, Florida 1 $ 280,000 $ 280,000 $ 312,000
Columbia, Florida 1 $ 159,000 $ 159,000 $ 63,000
Highlands, Florida 1 $ 195,000 $ 195,000 $ 110,000
Jefferson, Florida 1 $ 290,000 $ 290,000 $ 87,000
Lake, Florida 1 $ 300,000 $ 300,000 $ 186,000
Leon, Florida 1 $ 150,000 $ 150,000 $ 87,000
Manatee, Florida 1 $ 83,000 $ 83,000 $ 0
Martin, Florida 1 $ 152,000 $ 152,000 $ 324,000
Okaloosa, Florida 1 $ 257,000 $ 257,000 $ 64,000
Polk, Florida 1 $ 317,000 $ 317,000 $ 57,000
Santa Rosa, Florida 1 $ 114,000 $ 114,000 $ 18,000
St. Lucie, Florida 1 $ 260,000 $ 260,000 $ 124,000
Wakulla, Florida 1 $ 142,000 $ 142,000 $ 54,000
Bibb, Georgia 1 $ 272,000 $ 272,000 $ 80,000
Bryan, Georgia 1 $ 168,000 $ 168,000 $ 76,000
Camden, Georgia 1 $ 417,000 $ 417,000 $ 162,000
Catoosa, Georgia 1 $ 89,000 $ 89,000 $ 33,000
Chattooga, Georgia 1 $ 216,000 $ 216,000 $ 68,000
Clarke, Georgia 1 $ 156,000 $ 156,000 $ 40,000
Dade, Georgia 1 $ 330,000 $ 330,000 $ 123,000
Elbert, Georgia 1 $ 103,000 $ 103,000 $ 0
Evans, Georgia 1 $ 209,000 $ 209,000 $ 110,000
Fannin, Georgia 1 $ 352,000 $ 352,000 $ 190,000
Fayette, Georgia 1 $ 348,000 $ 348,000 $ 117,000
Forsyth, Georgia 1 $ 261,000 $ 261,000 $ 109,000
Hall, Georgia 1 $ 255,000 $ 255,000 $ 115,000
Jones, Georgia 1 $ 145,000 $ 145,000 $ 31,000
McIntosh, Georgia 1 $ 189,000 $ 189,000 $ 162,000
Paulding, Georgia 1 $ 315,000 $ 315,000 $ 158,000
Polk, Georgia 1 $ 297,000 $ 297,000 $ 106,000
Pulaski, Georgia 1 $ 221,000 $ 221,000 $ 92,000
Sumter, Georgia 1 $ 71,000 $ 71,000 $ 37,000
Thomas, Georgia 1 $ 248,000 $ 248,000 $ 127,000
Troup, Georgia 1 $ 140,000 $ 140,000 $ 43,000
Jo Daviess, Illinois 1 $ 320,000 $ 320,000 $ 154,000
Johnson, Illinois 1 $ 249,000 $ 249,000 $ 79,000
Lake, Illinois 1 $ 297,000 $ 297,000 $ 114,000
Monroe, Illinois 1 $ 171,000 $ 171,000 $ 29,000
Peoria, Illinois 1 $ 122,000 $ 122,000 $ 31,000
Rock Island, Illinois 1 $ 57,000 $ 57,000 $ 20,000
Sangamon, Illinois 1 $ 87,000 $ 87,000 $ 0
St. Clair, Illinois 1 $ 137,000 $ 137,000 $ 29,000
Williamson, Illinois 1 $ 107,000 $ 107,000 $ 63,000
Winnebago, Illinois 1 $ 158,000 $ 158,000 $ 76,000
Gibson, Indiana 1 $ 288,000 $ 288,000 $ 130,000
Hamilton, Indiana 1 $ 136,000 $ 136,000 $ 58,000
Hendricks, Indiana 1 $ 337,000 $ 337,000 $ 139,000
Morgan, Indiana 1 $ 260,000 $ 260,000 $ 120,000
Shelby, Indiana 1 $ 139,000 $ 139,000 $ 42,000
Davis, Iowa 1 $ 189,000 $ 189,000 $ 61,000
Wayne, Iowa 1 $ 178,000 $ 178,000 $ 50,000
Miami, Kansas 1 $ 417,000 $ 417,000 $ 147,000
Campbell, Kentucky 1 $ 137,000 $ 137,000 $ 105,000
Grayson, Kentucky 1 $ 116,000 $ 116,000 $ 90,000
Madison, Kentucky 1 $ 109,000 $ 109,000 $ 0
McLean, Kentucky 1 $ 69,000 $ 69,000 $ 62,000
Ohio, Kentucky 1 $ 69,000 $ 69,000 $ 64,000
Scott, Kentucky 1 $ 212,000 $ 212,000 $ 113,000
Shelby, Kentucky 1 $ 113,000 $ 113,000 $ 231,000
Jefferson, Louisiana 1 $ 185,000 $ 185,000 $ 47,000
Jefferson Davis, Louisiana 1 $ 219,000 $ 219,000 $ 63,000
West Baton Rouge, Louisiana 1 $ 132,000 $ 132,000 $ 84,000
Knox, Maine 1 $ 157,000 $ 157,000 $ 115,000
Waldo, Maine 1 $ 381,000 $ 381,000 $ 148,000
Washington, Maine 1 $ 60,000 $ 60,000 $ 31,000
Allegany, Maryland 1 $ 70,000 $ 70,000 $ 90,000
Talbot, Maryland 1 $ 200,000 $ 200,000 $ 104,000
Calhoun, Michigan 1 $ 153,000 $ 153,000 $ 72,000
Grand Traverse, Michigan 1 $ 166,000 $ 166,000 $ 84,000
Hillsdale, Michigan 1 $ 193,000 $ 193,000 $ 66,000
Lenawee, Michigan 1 $ 282,000 $ 282,000 $ 64,000
Macomb, Michigan 1 $ 207,000 $ 207,000 $ 0
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Mortgage Loan Application Detail Totals for First National Bank of Cc in 2009

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 7,302 $1,794,673,000 $245,000 $2,000,000 $106,000 $2,400,000
Home Purchase 6,332 $1,282,608,000 $202,000 $1,488,000 $80,000 $5,600,000
Home Improvement 227 $45,104,000 $198,000 $1,050,000 $116,000 $900,000

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 11,746 $2,664,144,000 $226,000 $2,000,000 $98,000 $5,600,000
Black or African American 822 $160,733,000 $195,000 $578,000 $56,000 $310,000
Not Provided 464 $112,418,000 $242,000 $865,000 $103,000 $743,000
Hispanic 446 $90,062,000 $201,000 $1,000,000 $62,000 $407,000
Asian 321 $79,329,000 $247,000 $730,000 $96,000 $670,000
American Indian or Alaskan Native 30 $6,691,000 $223,000 $495,000 $78,000 $332,000
Native Hawaiian or Other Pacific Islander 24 $4,972,000 $207,000 $324,000 $88,000 $287,000
Not applicable 8 $4,036,000 $504,000 $1,500,000 $623,000 $1,898,000

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) 8,614 $2,083,264,000 $241,000 $2,000,000 $118,000 $5,600,000
FHA-insured (Federal Housing Administration) 4,419 $876,744,000 $198,000 $739,000 $57,000 $1,017,000
VA-guaranteed (Veterans Administration) 469 $107,593,000 $229,000 $1,036,000 $59,000 $320,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 359 $54,784,000 $152,000 $372,000 $48,000 $151,000

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 11,250 $2,532,953,000 $225,000 $1,500,000 $96,000 $5,600,000
Application Withdrawn By Applicant 916 $209,001,000 $228,000 $2,000,000 $92,000 $1,100,000
Application Denied By Financial Institution 867 $181,039,000 $208,000 $1,275,000 $73,000 $560,000
Application Approved But Not Accepted 828 $199,392,000 $240,000 $759,000 $102,000 $773,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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
Collateral 279 $58,649,000 $210,000 $1,050,000 $85,000 $500,000
Credit History 166 $28,180,000 $169,000 $588,000 $55,000 $336,000
Debt-To-Income Ratio 163 $37,517,000 $230,000 $1,275,000 $63,000 $560,000
Other 77 $16,945,000 $220,000 $524,000 $97,000 $456,000
Credit Application Incomplete 58 $12,433,000 $214,000 $510,000 $69,000 $270,000
Unverifiable Information 44 $8,897,000 $202,000 $516,000 $71,000 $275,000
Employment History 30 $6,819,000 $227,000 $1,000,000 $51,000 $233,000
Mortgage Insurance Denied 30 $8,083,000 $269,000 $412,000 $102,000 $186,000
Insufficient Cash (Downpayment, Closing Cost) 20 $3,516,000 $175,000 $424,000 $60,000 $126,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Cc's 2009 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 National Bank of Cc'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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