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records First National Bank of Cc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, PA | 2,427 | $ 530,870,000 | $ 218,735 | $ 90,000 |
| Rockingham County-Strafford County, NH | 641 | $ 166,174,000 | $ 259,241 | $ 115,000 |
| Portland-South Portland-Biddeford, ME | 555 | $ 135,977,000 | $ 245,003 | $ 119,000 |
| Lancaster, PA | 549 | $ 100,855,000 | $ 183,706 | $ 70,000 |
| Boston-Quincy, MA | 536 | $ 155,038,000 | $ 289,250 | $ 132,000 |
| Harrisburg-Carlisle, PA | 471 | $ 83,672,000 | $ 177,647 | $ 82,000 |
| Edison-New Brunswick, NJ | 448 | $ 122,449,000 | $ 273,323 | $ 108,000 |
| Baltimore-Towson, MD | 446 | $ 118,696,000 | $ 266,134 | $ 88,000 |
| Cambridge-Newton-Framingham, MA | 331 | $ 100,137,000 | $ 302,528 | $ 138,000 |
| York-Hanover, PA | 331 | $ 66,290,000 | $ 200,271 | $ 67,000 |
| Camden, NJ | 304 | $ 65,060,000 | $ 214,013 | $ 78,000 |
| Charlotte-Gastonia-Concord, NC-SC | 303 | $ 52,160,000 | $ 172,145 | $ 61,752 |
| Allentown-Bethlehem-Easton, PA-NJ | 296 | $ 52,790,000 | $ 178,344 | $ 69,152 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 263 | $ 81,146,000 | $ 308,539 | $ 105,216 |
| Wilmington, DE-MD-NJ | 253 | $ 54,854,000 | $ 216,814 | $ 74,671 |
| Bethesda-Frederick-Rockville, MD | 236 | $ 86,272,000 | $ 365,559 | $ 165,000 |
| Atlantic City-Hammonton, NJ | 211 | $ 45,197,000 | $ 214,203 | $ 85,000 |
| Manchester-Nashua, NH | 164 | $ 37,103,000 | $ 226,237 | $ 99,000 |
| Newark-Union, NJ-PA | 164 | $ 45,746,000 | $ 278,939 | $ 92,292 |
| Worcester, MA | 158 | $ 40,618,000 | $ 257,075 | $ 116,000 |
| Peabody, MA | 156 | $ 41,014,000 | $ 262,910 | $ 111,000 |
| New York-White Plains-Wayne, NY-NJ | 153 | $ 50,250,000 | $ 328,431 | $ 102,490 |
| Dover, DE | 117 | $ 25,849,000 | $ 220,931 | $ 59,000 |
| Columbus, GA-AL | 103 | $ 19,488,000 | $ 189,203 | $ 80,116 |
| St. Louis, MO-IL | 95 | $ 14,250,000 | $ 150,000 | $ 48,578 |
| Providence-New Bedford-Fall River, RI-MA | 85 | $ 19,848,000 | $ 233,505 | $ 92,541 |
| Jacksonville, FL | 81 | $ 19,219,000 | $ 237,271 | $ 135,000 |
| Springfield, MA | 78 | $ 14,767,000 | $ 189,320 | $ 73,000 |
| Williamsport, PA | 77 | $ 10,297,000 | $ 133,727 | $ 63,000 |
| Reading, PA | 76 | $ 12,186,000 | $ 160,342 | $ 63,000 |
| Ocean City, NJ | 75 | $ 19,489,000 | $ 259,853 | $ 134,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 72 | $ 14,860,000 | $ 206,388 | $ 84,000 |
| Lebanon, PA | 65 | $ 13,272,000 | $ 204,184 | $ 81,000 |
| State College, PA | 59 | $ 10,278,000 | $ 174,203 | $ 60,000 |
| Asheville, NC | 58 | $ 11,192,000 | $ 192,965 | $ 59,000 |
| Louisville-Jefferson County, KY-IN | 57 | $ 14,417,000 | $ 252,929 | $ 115,649 |
| Binghamton, NY | 55 | $ 6,602,000 | $ 120,036 | $ 62,000 |
| Madison, WI | 54 | $ 11,558,000 | $ 214,037 | $ 96,000 |
| Atlanta-Sandy Springs-Marietta, GA | 53 | $ 12,595,000 | $ 237,641 | $ 97,000 |
| Charleston-North Charleston-Summerville, SC | 51 | $ 10,547,000 | $ 206,803 | $ 77,000 |
| Trenton-Ewing, NJ | 49 | $ 11,278,000 | $ 230,163 | $ 80,000 |
| Scranton--Wilkes-Barre, PA | 48 | $ 6,283,000 | $ 130,895 | $ 60,000 |
| Lewiston-Auburn, ME | 46 | $ 7,563,000 | $ 164,413 | $ 71,000 |
| Albany-Schenectady-Troy, NY | 45 | $ 8,214,000 | $ 182,533 | $ 81,000 |
| Hagerstown-Martinsburg, MD-WV | 45 | $ 10,575,000 | $ 235,000 | $ 66,488 |
| Barnstable Town, MA | 39 | $ 11,651,000 | $ 298,743 | $ 197,000 |
| Pittsburgh, PA | 33 | $ 5,687,000 | $ 172,333 | $ 65,000 |
| Dalton, GA | 32 | $ 3,622,000 | $ 113,187 | $ 41,000 |
| Bridgeport-Stamford-Norwalk, CT | 30 | $ 11,228,000 | $ 374,266 | $ 184,000 |
| Canton-Massillon, OH | 30 | $ 3,947,000 | $ 131,566 | $ 57,000 |
| Hartford-West Hartford-East Hartford, CT | 27 | $ 6,986,000 | $ 258,740 | $ 103,000 |
| Greenville-Mauldin-Easley, SC | 23 | $ 3,903,000 | $ 169,695 | $ 75,000 |
| Johnstown, PA | 21 | $ 2,092,000 | $ 99,619 | $ 61,000 |
| Raleigh-Cary, NC | 21 | $ 4,323,000 | $ 205,857 | $ 99,000 |
| Anderson, SC | 20 | $ 2,233,000 | $ 111,650 | $ 48,000 |
| Vineland-Millville-Bridgeton, NJ | 20 | $ 2,718,000 | $ 135,900 | $ 38,000 |
| Columbus, OH | 19 | $ 3,877,000 | $ 204,052 | $ 58,000 |
| Richmond, VA | 18 | $ 4,101,000 | $ 227,833 | $ 88,000 |
| Savannah, GA | 17 | $ 4,828,000 | $ 284,000 | $ 85,000 |
| Salisbury, MD | 16 | $ 3,092,000 | $ 193,250 | $ 42,000 |
| Chicago-Naperville-Joliet, IL | 15 | $ 4,296,000 | $ 286,400 | $ 102,000 |
| Nassau-Suffolk, NY | 15 | $ 4,791,000 | $ 319,400 | $ 118,000 |
| Spartanburg, SC | 15 | $ 2,021,000 | $ 134,733 | $ 49,000 |
| Brunswick, GA | 14 | $ 2,702,000 | $ 193,000 | $ 85,000 |
| Hickory-Lenoir-Morganton, NC | 14 | $ 3,305,000 | $ 236,071 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 14 | $ 2,838,000 | $ 202,714 | $ 74,714 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 13 | $ 2,420,000 | $ 186,153 | $ 85,000 |
| Altoona, PA | 12 | $ 2,037,000 | $ 169,750 | $ 94,000 |
| Denver-Aurora-Broomfield, CO | 12 | $ 2,694,000 | $ 224,500 | $ 74,000 |
| Wilmington, NC | 12 | $ 2,365,000 | $ 197,083 | $ 56,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,910,000 | $ 173,636 | $ 100,000 |
| New Haven-Milford, CT | 11 | $ 2,737,000 | $ 248,818 | $ 98,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 11 | $ 3,182,000 | $ 289,272 | $ 118,000 |
| Winston-Salem, NC | 11 | $ 2,111,000 | $ 191,909 | $ 93,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,044,000 | $ 204,400 | $ 81,000 |
| Utica-Rome, NY | 10 | $ 1,364,000 | $ 136,400 | $ 81,000 |
| Greensboro-High Point, NC | 9 | $ 1,407,000 | $ 156,333 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 2,090,000 | $ 232,222 | $ 133,000 |
| Florence, SC | 8 | $ 769,000 | $ 96,125 | $ 36,000 |
| Memphis, TN-MS-AR | 8 | $ 2,101,000 | $ 262,625 | $ 121,250 |
| Milwaukee-Waukesha-West Allis, WI | 8 | $ 1,765,000 | $ 220,625 | $ 148,000 |
| Cleveland-Elyria-Mentor, OH | 7 | $ 1,340,000 | $ 191,428 | $ 53,000 |
| Glens Falls, NY | 7 | $ 1,310,000 | $ 187,142 | $ 127,000 |
| Rochester, NY | 7 | $ 1,302,000 | $ 186,000 | $ 72,000 |
| Chattanooga, TN-GA | 6 | $ 1,197,000 | $ 199,500 | $ 104,666 |
| Elmira, NY | 6 | $ 683,000 | $ 113,833 | $ 57,000 |
| Erie, PA | 6 | $ 860,000 | $ 143,333 | $ 54,000 |
| Orlando-Kissimmee, FL | 6 | $ 1,207,000 | $ 201,166 | $ 112,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,137,000 | $ 189,500 | $ 109,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 943,000 | $ 157,166 | $ 69,333 |
| Akron, OH | 5 | $ 883,000 | $ 176,600 | $ 76,000 |
| Birmingham-Hoover, AL | 5 | $ 1,172,000 | $ 234,400 | $ 96,000 |
| Fort Wayne, IN | 5 | $ 489,000 | $ 97,800 | $ 51,000 |
| Toledo, OH | 5 | $ 910,000 | $ 182,000 | $ 62,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 5 | $ 1,263,000 | $ 252,600 | $ 387,000 |
| Bangor, ME | 4 | $ 554,000 | $ 138,500 | $ 51,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 639,000 | $ 159,750 | $ 60,000 |
| Columbia, SC | 4 | $ 986,000 | $ 246,500 | $ 102,000 |
| Danville, VA | 4 | $ 894,000 | $ 223,500 | $ 74,000 |
| Gainesville, FL | 4 | $ 904,000 | $ 226,000 | $ 66,000 |
| Indianapolis-Carmel, IN | 4 | $ 872,000 | $ 218,000 | $ 89,000 |
| Naples-Marco Island, FL | 4 | $ 763,000 | $ 190,750 | $ 161,000 |
| Owensboro, KY | 4 | $ 341,000 | $ 85,250 | $ 48,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 786,000 | $ 196,500 | $ 107,000 |
| Racine, WI | 4 | $ 547,000 | $ 136,750 | $ 54,000 |
| Syracuse, NY | 4 | $ 702,000 | $ 175,500 | $ 56,000 |
| Baton Rouge, LA | 3 | $ 513,000 | $ 171,000 | $ 66,000 |
| Bradenton-Sarasota-Venice, FL | 3 | $ 790,000 | $ 263,333 | $ 172,000 |
| Burlington, NC | 3 | $ 227,000 | $ 75,666 | $ 29,000 |
| Burlington-South Burlington, VT | 3 | $ 661,000 | $ 220,333 | $ 133,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 657,000 | $ 219,000 | $ 177,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 682,000 | $ 227,333 | $ 177,000 |
| Knoxville, TN | 3 | $ 880,000 | $ 293,333 | $ 187,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 654,000 | $ 218,000 | $ 151,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 1,336,000 | $ 445,333 | $ 138,000 |
| Tallahassee, FL | 3 | $ 582,000 | $ 194,000 | $ 76,000 |
| Albany, GA | 2 | $ 213,000 | $ 106,500 | $ 67,000 |
| Auburn-Opelika, AL | 2 | $ 328,000 | $ 164,000 | $ 52,000 |
| Austin-Round Rock, TX | 2 | $ 491,000 | $ 245,500 | $ 185,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 361,000 | $ 180,500 | $ 36,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 356,000 | $ 178,000 | $ 25,000 |
| Charleston, WV | 2 | $ 389,000 | $ 194,500 | $ 106,000 |
| Charlottesville, VA | 2 | $ 287,000 | $ 143,500 | $ 101,000 |
| Cumberland, MD-WV | 2 | $ 229,000 | $ 114,500 | $ 79,500 |
| Dallas-Plano-Irving, TX | 2 | $ 592,000 | $ 296,000 | $ 184,000 |
| Dayton, OH | 2 | $ 304,000 | $ 152,000 | $ 28,000 |
| Elkhart-Goshen, IN | 2 | $ 370,000 | $ 185,000 | $ 255,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 394,000 | $ 197,000 | $ 114,000 |
| Fort Smith, AR-OK | 2 | $ 491,000 | $ 245,500 | $ 80,000 |
| Green Bay, WI | 2 | $ 188,000 | $ 94,000 | $ 50,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 291,000 | $ 145,500 | $ 63,000 |
| Huntsville, AL | 2 | $ 390,000 | $ 195,000 | $ 115,000 |
| Ithaca, NY | 2 | $ 480,000 | $ 240,000 | $ 108,000 |
| Janesville, WI | 2 | $ 255,000 | $ 127,500 | $ 39,000 |
| Johnson City, TN | 2 | $ 410,000 | $ 205,000 | $ 367,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 590,000 | $ 295,000 | $ 135,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 589,000 | $ 294,500 | $ 98,000 |
| Las Vegas-Paradise, NV | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Lynchburg, VA | 2 | $ 693,000 | $ 346,500 | $ 163,000 |
| Macon, GA | 2 | $ 417,000 | $ 208,500 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 601,000 | $ 300,500 | $ 114,000 |
| Morristown, TN | 2 | $ 367,000 | $ 183,500 | $ 53,000 |
| Norwich-New London, CT | 2 | $ 383,000 | $ 191,500 | $ 141,000 |
| Oklahoma City, OK | 2 | $ 156,000 | $ 78,000 | $ 64,000 |
| Pittsfield, MA | 2 | $ 580,000 | $ 290,000 | $ 80,000 |
| Port St. Lucie, FL | 2 | $ 412,000 | $ 206,000 | $ 224,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 441,000 | $ 220,500 | $ 62,000 |
| Punta Gorda, FL | 2 | $ 295,000 | $ 147,500 | $ 127,000 |
| Reno-Sparks, NV | 2 | $ 569,000 | $ 284,500 | $ 0 |
| Roanoke, VA | 2 | $ 399,000 | $ 199,500 | $ 28,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 1,137,000 | $ 568,500 | $ 141,000 |
| Salt Lake City, UT | 2 | $ 564,000 | $ 282,000 | $ 108,000 |
| Sandusky, OH | 2 | $ 380,000 | $ 190,000 | $ 92,000 |
| Sebastian-Vero Beach, FL | 2 | $ 573,000 | $ 286,500 | $ 155,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 384,000 | $ 192,000 | $ 60,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 185,000 | $ 92,500 | $ 44,000 |
| Winchester, VA-WV | 2 | $ 332,000 | $ 166,000 | $ 163,000 |
| Athens-Clarke County, GA | 1 | $ 156,000 | $ 156,000 | $ 40,000 |
| Battle Creek, MI | 1 | $ 153,000 | $ 153,000 | $ 72,000 |
| Clarksville, TN-KY | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Cleveland, TN | 1 | $ 320,000 | $ 320,000 | $ 98,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 57,000 | $ 57,000 | $ 20,000 |
| Evansville, IN-KY | 1 | $ 288,000 | $ 288,000 | $ 130,000 |
| Farmington, NM | 1 | $ 93,000 | $ 93,000 | $ 90,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 257,000 | $ 257,000 | $ 64,000 |
| Gainesville, GA | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Harrisonburg, VA | 1 | $ 183,000 | $ 183,000 | $ 49,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
| Jackson, MS | 1 | $ 54,000 | $ 54,000 | $ 23,000 |
| Jacksonville, NC | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Kansas City, MO-KS | 1 | $ 417,000 | $ 417,000 | $ 147,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 297,000 | $ 297,000 | $ 199,000 |
| Kingston, NY | 1 | $ 260,000 | $ 260,000 | $ 108,000 |
| Lakeland-Winter Haven, FL | 1 | $ 317,000 | $ 317,000 | $ 57,000 |
| Lexington-Fayette, KY | 1 | $ 212,000 | $ 212,000 | $ 113,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 383,000 | $ 383,000 | $ 148,000 |
| Monroe, MI | 1 | $ 340,000 | $ 340,000 | $ 110,000 |
| Montgomery, AL | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Oshkosh-Neenah, WI | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 280,000 | $ 280,000 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 114,000 | $ 114,000 | $ 18,000 |
| Peoria, IL | 1 | $ 122,000 | $ 122,000 | $ 31,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 270,000 | $ 270,000 | $ 68,000 |
| Rockford, IL | 1 | $ 158,000 | $ 158,000 | $ 76,000 |
| Rocky Mount, NC | 1 | $ 350,000 | $ 350,000 | $ 63,000 |
| Salinas, CA | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| San Antonio, TX | 1 | $ 150,000 | $ 150,000 | $ 127,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 638,000 | $ 638,000 | $ 258,000 |
| Sheboygan, WI | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Sherman-Denison, TX | 1 | $ 213,000 | $ 213,000 | $ 147,000 |
| Spokane, WA | 1 | $ 344,000 | $ 344,000 | $ 147,000 |
| Springfield, IL | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Springfield, OH | 1 | $ 148,000 | $ 148,000 | $ 82,000 |
| St. George, UT | 1 | $ 108,000 | $ 108,000 | $ 54,000 |
| St. Joseph, MO-KS | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Sumter, SC | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Victoria, TX | 1 | $ 73,000 | $ 73,000 | $ 65,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 332,000 | $ 332,000 | $ 261,000 |
| Wheeling, WV-OH | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
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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