First National Bank of Pa Mortgage Lending & HMDA Data, 2003

In 2003, First National Bank of Pa of Greenville, PA reported 13,727 mortgage applications totaling $891.1 million. The average application was for $64,915, and applicants reported an average income of $68,808. 74% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Pittsburgh, PA (3,177), Johnstown, PA (3,039) and Sharon, PA (1,855) (applications in parentheses).

Mortgage Company & Address First National Bank of Pa
166 Main St
Greenville, PA 16125
Tel #: available with data download
Federal Regulator * available with data download
Years 2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 13,727
Total Mortgage Loan Application Amount $891,096,000
Average Mortgage Loan Application Amount $64,915
Highest Mortgage Loan Application Amount $1,370,000
Average Applicant Income $68,808
Highest Applicant Income $5,683,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Pa by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Mercer, Pennsylvania 1,855 $ 128,367,000 $ 69,200 $ 58,000
Cambria, Pennsylvania 1,646 $ 86,412,000 $ 52,498 $ 62,000
Somerset, Pennsylvania 1,393 $ 71,903,000 $ 51,617 $ 67,000
Westmoreland, Pennsylvania 1,388 $ 88,351,000 $ 63,653 $ 53,000
Erie, Pennsylvania 1,022 $ 72,344,000 $ 70,786 $ 119,000
Crawford, Pennsylvania 741 $ 43,824,000 $ 59,141 $ 51,000
Venango, Pennsylvania 674 $ 35,067,000 $ 52,028 $ 53,000
Bedford, Pennsylvania 623 $ 34,401,000 $ 55,218 $ 45,000
Beaver, Pennsylvania 534 $ 37,655,000 $ 70,514 $ 142,000
Fayette, Pennsylvania 529 $ 29,157,000 $ 55,117 $ 49,000
Lawrence, Pennsylvania 499 $ 34,603,000 $ 69,344 $ 53,000
Allegheny, Pennsylvania 492 $ 31,614,000 $ 64,256 $ 59,000
Mahoning, Ohio 441 $ 30,813,000 $ 69,870 $ 72,000
Indiana, Pennsylvania 330 $ 16,380,000 $ 49,636 $ 44,000
Trumbull, Ohio 281 $ 20,527,000 $ 73,049 $ 69,000
Blair, Pennsylvania 250 $ 14,605,000 $ 58,420 $ 63,000
Armstrong, Pennsylvania 217 $ 10,812,000 $ 49,824 $ 42,000
Greene, Pennsylvania 136 $ 6,687,000 $ 49,169 $ 40,000
Butler, Pennsylvania 126 $ 9,339,000 $ 74,119 $ 53,000
Washington, Pennsylvania 108 $ 7,829,000 $ 72,490 $ 57,000
Geauga, Ohio 47 $ 4,490,000 $ 95,531 $ 61,000
Clearfield, Pennsylvania 46 $ 1,534,000 $ 33,347 $ 32,000
Warren, Pennsylvania 29 $ 1,213,000 $ 41,827 $ 40,000
Lake, Ohio 15 $ 1,284,000 $ 85,600 $ 81,000
Clarion, Pennsylvania 15 $ 1,021,000 $ 68,066 $ 54,000
Columbiana, Ohio 13 $ 908,000 $ 69,846 $ 36,000
Ashtabula, Ohio 12 $ 706,000 $ 58,833 $ 60,000
Chautauqua, New York 11 $ 2,002,000 $ 182,000 $ 191,000
Lee, Florida 9 $ 1,847,000 $ 205,222 $ 187,000
Forest, Pennsylvania 8 $ 554,000 $ 69,250 $ 156,000
Garrett, Maryland 7 $ 779,000 $ 111,285 $ 44,000
Monongalia, West Virginia 7 $ 595,000 $ 85,000 $ 41,000
Cook, Illinois 6 $ 2,877,000 $ 479,500 $ 247,000
Huntingdon, Pennsylvania 6 $ 415,000 $ 69,166 $ 51,000
Jefferson, Pennsylvania 6 $ 999,000 $ 166,500 $ 63,000
Cuyahoga, Ohio 5 $ 496,000 $ 99,200 $ 73,000
Centre, Pennsylvania 5 $ 365,000 $ 73,000 $ 119,000
King, Washington 5 $ 2,040,000 $ 408,000 $ 164,000
Maricopa, Arizona 4 $ 1,428,000 $ 357,000 $ 194,000
Collier, Florida 4 $ 1,526,000 $ 381,500 $ 174,000
Oakland, Michigan 4 $ 1,925,000 $ 481,250 $ 233,000
Miami-Dade, Florida 3 $ 1,217,000 $ 405,666 $ 330,000
Okaloosa, Florida 3 $ 999,000 $ 333,000 $ 121,000
Marion, Indiana 3 $ 1,312,000 $ 437,333 $ 398,000
Montgomery, Maryland 3 $ 898,000 $ 299,333 $ 195,000
Chester, Pennsylvania 3 $ 894,000 $ 298,000 $ 187,000
Elk, Pennsylvania 3 $ 105,000 $ 35,000 $ 146,000
Fulton, Pennsylvania 3 $ 206,000 $ 68,666 $ 45,000
Montgomery, Pennsylvania 3 $ 1,004,000 $ 334,666 $ 219,000
Fairfax, Virginia 3 $ 1,278,000 $ 426,000 $ 200,000
District of Columbia, District Of Columbia 2 $ 877,000 $ 438,500 $ 248,000
Lake, Florida 2 $ 93,000 $ 46,500 $ 52,000
Sarasota, Florida 2 $ 286,000 $ 143,000 $ 51,000
Cobb, Georgia 2 $ 985,000 $ 492,500 $ 205,000
Fulton, Georgia 2 $ 736,000 $ 368,000 $ 229,000
Kane, Illinois 2 $ 764,000 $ 382,000 $ 347,000
Lake, Illinois 2 $ 783,000 $ 391,500 $ 200,000
Allegany, Maryland 2 $ 220,000 $ 110,000 $ 52,000
Frederick, Maryland 2 $ 831,000 $ 415,500 $ 229,000
Worcester, Massachusetts 2 $ 933,000 $ 466,500 $ 147,000
Kalamazoo, Michigan 2 $ 769,000 $ 384,500 $ 143,000
Washtenaw, Michigan 2 $ 1,033,000 $ 516,500 $ 326,000
Hennepin, Minnesota 2 $ 821,000 $ 410,500 $ 282,000
Washington, Minnesota 2 $ 871,000 $ 435,500 $ 145,000
St. Louis, Missouri 2 $ 800,000 $ 400,000 $ 188,000
Bergen, New Jersey 2 $ 1,026,000 $ 513,000 $ 327,000
Middlesex, New Jersey 2 $ 50,000 $ 25,000 $ 110,000
Monroe, New York 2 $ 39,000 $ 19,500 $ 130,000
Nassau, New York 2 $ 724,000 $ 362,000 $ 132,000
Butler, Ohio 2 $ 508,000 $ 254,000 $ 169,000
Greene, Ohio 2 $ 90,000 $ 45,000 $ 105,000
Medina, Ohio 2 $ 166,000 $ 83,000 $ 46,000
Oklahoma, Oklahoma 2 $ 987,000 $ 493,500 $ 331,000
Cumberland, Pennsylvania 2 $ 586,000 $ 293,000 $ 239,000
Dauphin, Pennsylvania 2 $ 224,000 $ 112,000 $ 252,000
Lehigh, Pennsylvania 2 $ 465,000 $ 232,500 $ 113,000
Loudoun, Virginia 2 $ 848,000 $ 424,000 $ 315,000
Hancock, West Virginia 2 $ 111,000 $ 55,500 $ 214,000
Baldwin, Alabama 1 $ 459,000 $ 459,000 $ 153,000
Jefferson, Alabama 1 $ 362,000 $ 362,000 $ 219,000
Cochise, Arizona 1 $ 20,000 $ 20,000 $ 50,000
Yavapai, Arizona 1 $ 100,000 $ 100,000 $ 24,000
Faulkner, Arkansas 1 $ 518,000 $ 518,000 $ 400,000
Denver, Colorado 1 $ 538,000 $ 538,000 $ 0
Larimer, Colorado 1 $ 379,000 $ 379,000 $ 189,000
Fairfield, Connecticut 1 $ 413,000 $ 413,000 $ 255,000
Alachua, Florida 1 $ 29,000 $ 29,000 $ 44,000
Bay, Florida 1 $ 405,000 $ 405,000 $ 165,000
Brevard, Florida 1 $ 60,000 $ 60,000 $ 101,000
Escambia, Florida 1 $ 385,000 $ 385,000 $ 660,000
Hillsborough, Florida 1 $ 18,000 $ 18,000 $ 75,000
Monroe, Florida 1 $ 472,000 $ 472,000 $ 772,000
St. Johns, Florida 1 $ 499,000 $ 499,000 $ 373,000
Sumter, Florida 1 $ 97,000 $ 97,000 $ 41,000
Volusia, Florida 1 $ 100,000 $ 100,000 $ 83,000
Chatham, Georgia 1 $ 75,000 $ 75,000 $ 60,000
Hall, Georgia 1 $ 409,000 $ 409,000 $ 212,000
Honolulu, Hawaii 1 $ 54,000 $ 54,000 $ 83,000
Ada, Idaho 1 $ 360,000 $ 360,000 $ 186,000
Will, Illinois 1 $ 399,000 $ 399,000 $ 243,000
Allen, Indiana 1 $ 523,000 $ 523,000 $ 591,000
Boone, Indiana 1 $ 517,000 $ 517,000 $ 204,000
St. Joseph, Indiana 1 $ 328,000 $ 328,000 $ 116,000
Polk, Iowa 1 $ 430,000 $ 430,000 $ 316,000
Ascension, Louisiana 1 $ 352,000 $ 352,000 $ 154,000
East Baton Rouge, Louisiana 1 $ 440,000 $ 440,000 $ 300,000
Cumberland, Maine 1 $ 476,000 $ 476,000 $ 408,000
Washington, Maine 1 $ 427,000 $ 427,000 $ 240,000
Anne Arundel, Maryland 1 $ 363,000 $ 363,000 $ 224,000
Baltimore, Maryland 1 $ 50,000 $ 50,000 $ 84,000
Calvert, Maryland 1 $ 132,000 $ 132,000 $ 233,000
Howard, Maryland 1 $ 410,000 $ 410,000 $ 265,000
Prince George's, Maryland 1 $ 395,000 $ 395,000 $ 193,000
Worcester, Maryland 1 $ 105,000 $ 105,000 $ 108,000
Norfolk, Massachusetts 1 $ 448,000 $ 448,000 $ 331,000
Kent, Michigan 1 $ 424,000 $ 424,000 $ 120,000
Livingston, Michigan 1 $ 333,000 $ 333,000 $ 145,000
Wayne, Michigan 1 $ 379,000 $ 379,000 $ 160,000
Chisago, Minnesota 1 $ 401,000 $ 401,000 $ 142,000
Bolivar, Mississippi 1 $ 389,000 $ 389,000 $ 116,000
Jackson, Missouri 1 $ 400,000 $ 400,000 $ 349,000
Clark, Nevada 1 $ 118,000 $ 118,000 $ 53,000
Washoe, Nevada 1 $ 380,000 $ 380,000 $ 169,000
Burlington, New Jersey 1 $ 432,000 $ 432,000 $ 336,000
Cape May, New Jersey 1 $ 391,000 $ 391,000 $ 281,000
Hudson, New Jersey 1 $ 20,000 $ 20,000 $ 98,000
Hunterdon, New Jersey 1 $ 469,000 $ 469,000 $ 492,000
Lincoln, New Mexico 1 $ 340,000 $ 340,000 $ 179,000
Taos, New Mexico 1 $ 350,000 $ 350,000 $ 245,000
Cattaraugus, New York 1 $ 285,000 $ 285,000 $ 200,000
Erie, New York 1 $ 50,000 $ 50,000 $ 27,000
Westchester, New York 1 $ 453,000 $ 453,000 $ 401,000
Currituck, North Carolina 1 $ 700,000 $ 700,000 $ 632,000
Nash, North Carolina 1 $ 463,000 $ 463,000 $ 1,058,000
Rowan, North Carolina 1 $ 14,000 $ 14,000 $ 27,000
Wake, North Carolina 1 $ 513,000 $ 513,000 $ 156,000
Belmont, Ohio 1 $ 15,000 $ 15,000 $ 40,000
Delaware, Ohio 1 $ 407,000 $ 407,000 $ 312,000
Franklin, Ohio 1 $ 90,000 $ 90,000 $ 129,000
Hamilton, Ohio 1 $ 548,000 $ 548,000 $ 161,000
Montgomery, Ohio 1 $ 211,000 $ 211,000 $ 211,000
Portage, Ohio 1 $ 29,000 $ 29,000 $ 37,000
Stark, Ohio 1 $ 9,000 $ 9,000 $ 41,000
Summit, Ohio 1 $ 109,000 $ 109,000 $ 126,000
Wayne, Ohio 1 $ 14,000 $ 14,000 $ 24,000
Wood, Ohio 1 $ 100,000 $ 100,000 $ 82,000
Adams, Pennsylvania 1 $ 26,000 $ 26,000 $ 42,000
Lackawanna, Pennsylvania 1 $ 110,000 $ 110,000 $ 78,000
Lancaster, Pennsylvania 1 $ 29,000 $ 29,000 $ 64,000
Luzerne, Pennsylvania 1 $ 128,000 $ 128,000 $ 68,000
Philadelphia, Pennsylvania 1 $ 229,000 $ 229,000 $ 234,000
Union, Pennsylvania 1 $ 80,000 $ 80,000 $ 53,000
York, Pennsylvania 1 $ 35,000 $ 35,000 $ 101,000
Bristol, Rhode Island 1 $ 406,000 $ 406,000 $ 148,000
Beaufort, South Carolina 1 $ 540,000 $ 540,000 $ 230,000
Horry, South Carolina 1 $ 78,000 $ 78,000 $ 67,000
Davidson, Tennessee 1 $ 500,000 $ 500,000 $ 330,000
Hamilton, Tennessee 1 $ 364,000 $ 364,000 $ 316,000
Rutherford, Tennessee 1 $ 496,000 $ 496,000 $ 312,000
Shelby, Tennessee 1 $ 336,000 $ 336,000 $ 240,000
Williamson, Tennessee 1 $ 599,000 $ 599,000 $ 306,000
Harris, Texas 1 $ 23,000 $ 23,000 $ 80,000
Utah, Utah 1 $ 450,000 $ 450,000 $ 186,000
Arlington, Virginia 1 $ 156,000 $ 156,000 $ 156,000
Chesterfield, Virginia 1 $ 381,000 $ 381,000 $ 140,000
Prince William, Virginia 1 $ 47,000 $ 47,000 $ 97,000
Washington, Virginia 1 $ 406,000 $ 406,000 $ 841,000
Spokane, Washington 1 $ 426,000 $ 426,000 $ 300,000
Harrison, West Virginia 1 $ 60,000 $ 60,000 $ 36,000
Marion, West Virginia 1 $ 12,000 $ 12,000 $ 12,000
Preston, West Virginia 1 $ 75,000 $ 75,000 $ 84,000
Wetzel, West Virginia 1 $ 53,000 $ 53,000 $ 30,000
Ozaukee, Wisconsin 1 $ 435,000 $ 435,000 $ 105,000

Mortgage Loan Application Detail Totals for First National Bank of Pa in 2003

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 (home purchase or home improvement, one-to-four family) 8,874 $634,811,000 $366,687 $998,000 $222,906 $1,600,000
Home Improvement (one-to-four family) 3,170 $121,930,000 $29,600 $584,000 $57,000 $2,400,000
Home Purchase (one-to-four family) 1,679 $133,553,000 $252,842 $1,370,000 $187,894 $5,683,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 4 $802,000 $200,500 $310,000 $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 13,304 $847,197,000 $326,600 $1,370,000 $200,000 $1,579,000
Information not provided by applicant in mail or telephone application 146 $14,742,000 $361,500 $478,000 $201,000 $490,000
Black 128 $6,562,000 $163,000 $410,000 $95,666 $293,000
Hispanic 56 $7,690,000 $380,600 $890,000 $333,200 $684,000
Other 36 $6,664,000 $391,454 $599,000 $191,272 $527,000
Asian or Pacific Islander 33 $3,909,000 $299,000 $482,000 $216,000 $940,000
Not applicable 16 $1,939,000 $121,000 $395,000 $561,000 $5,683,000
American Indian or Alaskan Native 8 $2,393,000 $505,250 $998,000 $255,000 $396,000

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) 13,725 $891,014,000 $343,473 $1,370,000 $205,368 $5,683,000
FHA-insured (Federal Housing Administration) 2 $82,000 $41,000 $69,000 $38,000 $48,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

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 10,174 $648,851,000 $140,000 $1,370,000 $146,583 $5,683,000
Application Denied By Financial Institution 2,408 $117,938,000 $40,000 $535,000 $52,000 $480,000
Application Approved But Not Accepted 566 $33,962,000 $68,400 $548,000 $76,200 $940,000
Application Withdrawn By Applicant 449 $35,071,000 $83,250 $890,000 $82,375 $877,000
Loan Purchased By The Institution 129 $55,232,000 $429,114 $650,000 $251,971 $1,058,000
File Closed For Incompleteness 1 $42,000 $42,000 $42,000 $59,000 $59,000

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
Credit History 1,278 $57,962,000 $27,857 $535,000 $48,142 $480,000
Debt-To-Income Ratio 731 $35,303,000 $42,666 $367,000 $48,333 $189,000
Collateral 318 $20,080,000 $60,000 $440,000 $56,000 $420,000
Employment History 46 $1,734,000 $48,750 $124,000 $29,500 $96,000
Other 18 $1,978,000 $125,500 $230,000 $92,000 $434,000
Unverifiable Information 6 $354,000 $59,000 $86,000 $39,000 $95,000
Credit Application Incomplete 6 $151,000 $18,500 $41,000 $31,000 $41,000
Insufficient Cash (Downpayment, Closing Cost) 5 $376,000 $75,000 $144,000 $52,000 $77,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Pa's 2003 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 Pa'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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