First National Bank Of Pa
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First National Bank Of Pa 2004 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 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 | 7,170 |
| Total Mortgage Loan Application Amount | $429,367,000 |
| Average Mortgage Loan Application Amount | $293,138 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $101,138 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First National Bank Of Pa. 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 National Bank Of Pa's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down First National Bank Of Pa'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 National Bank Of Pa serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank Of Pa, 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 National Bank Of Pa's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Mercer County Pennsylvania | 957 | $ 57,702,000 | $ 60,000 | $ 55,000 |
| Cambria County Pennsylvania | 806 | $ 36,687,000 | $ 45,000 | $ 85,000 |
| Westmoreland County Pennsylvania | 654 | $ 35,589,000 | $ 54,000 | $ 57,000 |
| Somerset County Pennsylvania | 628 | $ 33,177,000 | $ 52,000 | $ 58,000 |
| Erie County Pennsylvania | 435 | $ 29,562,000 | $ 67,000 | $ 73,000 |
| Crawford County Pennsylvania | 388 | $ 21,420,000 | $ 55,000 | $ 44,000 |
| Bedford County Pennsylvania | 367 | $ 17,536,000 | $ 47,000 | $ 41,000 |
| Venango County Pennsylvania | 362 | $ 17,856,000 | $ 49,000 | $ 62,000 |
| Lawrence County Pennsylvania | 354 | $ 24,119,000 | $ 68,000 | $ 48,000 |
| Butler County Pennsylvania | 318 | $ 20,162,000 | $ 63,000 | $ 43,000 |
| Fayette County Pennsylvania | 256 | $ 12,486,000 | $ 48,000 | $ 62,000 |
| Beaver County Pennsylvania | 248 | $ 14,922,000 | $ 60,000 | $ 84,000 |
| Mahoning County Ohio | 223 | $ 13,965,000 | $ 62,000 | $ 48,000 |
| Indiana County Pennsylvania | 211 | $ 10,781,000 | $ 51,000 | $ 50,000 |
| Allegheny County Pennsylvania | 156 | $ 11,299,000 | $ 72,000 | $ 129,000 |
| Trumbull County Ohio | 139 | $ 9,704,000 | $ 69,000 | $ 56,000 |
| Armstrong County Pennsylvania | 112 | $ 5,167,000 | $ 46,000 | $ 56,000 |
| Blair County Pennsylvania | 112 | $ 6,196,000 | $ 55,000 | $ 65,000 |
| Greene County Pennsylvania | 85 | $ 3,649,000 | $ 42,000 | $ 45,000 |
| Washington County Pennsylvania | 47 | $ 2,285,000 | $ 48,000 | $ 48,000 |
| Monongalia County West Virginia | 33 | $ 1,319,000 | $ 39,000 | $ 51,000 |
| Geauga County Ohio | 30 | $ 2,656,000 | $ 88,000 | $ 98,000 |
| Clarion County Pennsylvania | 18 | $ 940,000 | $ 52,000 | $ 39,000 |
| Clearfield County Pennsylvania | 17 | $ 1,051,000 | $ 61,000 | $ 74,000 |
| Marion County West Virginia | 17 | $ 600,000 | $ 35,000 | $ 36,000 |
| Lake County Ohio | 16 | $ 1,807,000 | $ 112,000 | $ 72,000 |
| Columbiana County Ohio | 11 | $ 1,011,000 | $ 91,000 | $ 52,000 |
| Warren County Pennsylvania | 10 | $ 440,000 | $ 44,000 | $ 31,000 |
| Harrison County West Virginia | 10 | $ 295,000 | $ 29,000 | $ 33,000 |
| King County Washington | 9 | $ 4,282,000 | $ 475,000 | $ 47,000 |
| Jefferson County Pennsylvania | 8 | $ 272,000 | $ 34,000 | $ 38,000 |
| Ashtabula County Ohio | 7 | $ 438,000 | $ 62,000 | $ 48,000 |
| Forest County Pennsylvania | 6 | $ 245,000 | $ 40,000 | $ 40,000 |
| Preston County West Virginia | 6 | $ 248,000 | $ 41,000 | $ 57,000 |
| Broward County Florida | 4 | $ 1,894,000 | $ 473,000 | $ 72,000 |
| Cuyahoga County Ohio | 4 | $ 481,000 | $ 120,000 | $ 120,000 |
| Fulton County Pennsylvania | 4 | $ 197,000 | $ 49,000 | $ 50,000 |
| Harris County Texas | 4 | $ 1,709,000 | $ 427,000 | $ 0 |
| Taylor County West Virginia | 4 | $ 120,000 | $ 30,000 | $ 18,000 |
| Collier County Florida | 3 | $ 994,000 | $ 331,000 | $ 232,000 |
| Palm Beach County Florida | 3 | $ 848,000 | $ 282,000 | $ 189,000 |
| Garrett County Maryland | 3 | $ 368,000 | $ 122,000 | $ 33,000 |
| Clark County Nevada | 3 | $ 1,460,000 | $ 486,000 | $ 182,000 |
| Chautauqua County New York | 3 | $ 525,000 | $ 175,000 | $ 269,000 |
| Santa Rosa County Florida | 2 | $ 216,000 | $ 108,000 | $ 90,000 |
| Lorain County Ohio | 2 | $ 272,000 | $ 136,000 | $ 46,000 |
| Centre County Pennsylvania | 2 | $ 129,000 | $ 64,000 | $ 87,000 |
| Clinton County Pennsylvania | 2 | $ 133,000 | $ 66,000 | $ 90,000 |
| Huntingdon County Pennsylvania | 2 | $ 156,000 | $ 78,000 | $ 40,000 |
| Philadelphia County Pennsylvania | 2 | $ 504,000 | $ 252,000 | $ 171,000 |
| Beaufort County South Carolina | 2 | $ 600,000 | $ 300,000 | $ 249,000 |
| Island County Washington | 2 | $ 842,000 | $ 421,000 | $ 76,000 |
| Hancock County West Virginia | 2 | $ 80,000 | $ 40,000 | $ 37,000 |
| Lewis County West Virginia | 2 | $ 94,000 | $ 47,000 | $ 31,000 |
| Baldwin County Alabama | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 439,000 | $ 439,000 | $ 180,000 |
| Arapahoe County Colorado | 1 | $ 763,000 | $ 763,000 | $ 0 |
| Boulder County Colorado | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Douglas County Colorado | 1 | $ 461,000 | $ 461,000 | $ 0 |
| Larimer County Colorado | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Lee County Florida | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Monroe County Florida | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Pinellas County Florida | 1 | $ 349,000 | $ 349,000 | $ 0 |
| St. Johns County Florida | 1 | $ 569,000 | $ 569,000 | $ 0 |
| Volusia County Florida | 1 | $ 268,000 | $ 268,000 | $ 287,000 |
| Cobb County Georgia | 1 | $ 381,000 | $ 381,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Fulton County Georgia | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Glynn County Georgia | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Morgan County Georgia | 1 | $ 435,000 | $ 435,000 | $ 742,000 |
| Honolulu County Hawaii | 1 | $ 719,000 | $ 719,000 | $ 135,000 |
| Blaine County Idaho | 1 | $ 471,000 | $ 471,000 | $ 144,000 |
| Allegany County Maryland | 1 | $ 59,000 | $ 59,000 | $ 92,000 |
| Worcester County Maryland | 1 | $ 80,000 | $ 80,000 | $ 108,000 |
| Anoka County Minnesota | 1 | $ 357,000 | $ 357,000 | $ 110,000 |
| Flathead County Montana | 1 | $ 399,000 | $ 399,000 | $ 122,000 |
| Bernalillo County New Mexico | 1 | $ 503,000 | $ 503,000 | $ 229,000 |
| Santa Fe County New Mexico | 1 | $ 649,000 | $ 649,000 | $ 0 |
| Cattaraugus County New York | 1 | $ 160,000 | $ 160,000 | $ 222,000 |
| Jefferson County New York | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Lawrence County Ohio | 1 | $ 184,000 | $ 184,000 | $ 78,000 |
| Ottawa County Ohio | 1 | $ 293,000 | $ 293,000 | $ 3,600,000 |
| Portage County Ohio | 1 | $ 139,000 | $ 139,000 | $ 36,000 |
| Stark County Ohio | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Oklahoma County Oklahoma | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 623,000 | $ 623,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 405,000 | $ 405,000 | $ 117,000 |
| Washington County Oregon | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 479,000 | $ 479,000 | $ 84,000 |
| Cumberland County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 81,000 |
| Dauphin County Pennsylvania | 1 | $ 516,000 | $ 516,000 | $ 243,000 |
| Delaware County Pennsylvania | 1 | $ 579,000 | $ 579,000 | $ 0 |
| Elk County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Lancaster County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 44,000 |
| Lycoming County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 65,000 |
| McKean County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| Monroe County Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 64,000 |
| Northumberland County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
| Charleston County South Carolina | 1 | $ 420,000 | $ 420,000 | $ 214,000 |
| Georgetown County South Carolina | 1 | $ 127,000 | $ 127,000 | $ 102,000 |
| Horry County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 500,000 |
| Fairfax County Virginia | 1 | $ 225,000 | $ 225,000 | $ 310,000 |
| Benton County Washington | 1 | $ 438,000 | $ 438,000 | $ 0 |
| San Juan County Washington | 1 | $ 434,000 | $ 434,000 | $ 0 |
| Barbour County West Virginia | 1 | $ 22,000 | $ 22,000 | $ 19,000 |
| Braxton County West Virginia | 1 | $ 63,000 | $ 63,000 | $ 30,000 |
| Brooke County West Virginia | 1 | $ 32,000 | $ 32,000 | $ 42,000 |
| Marshall County West Virginia | 1 | $ 12,000 | $ 12,000 | $ 29,000 |
| Randolph County West Virginia | 1 | $ 28,000 | $ 28,000 | $ 50,000 |
| Tucker County West Virginia | 1 | $ 87,000 | $ 87,000 | $ 32,000 |
| Upshur County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Wetzel County West Virginia | 1 | $ 38,000 | $ 38,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for First National Bank Of Pa in 2004
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 | 3,186 | $209,415,000 | $271,583 | $825,000 | $114,250 | $2,784,000 |
| Home Improvement | 2,240 | $75,437,000 | $73,000 | $637,000 | $59,750 | $1,854,000 |
| Home Purchase | 1,744 | $144,515,000 | $350,100 | $1,400,000 | $101,550 | $3,600,000 |
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 | 6,948 | $399,207,000 | $328,941 | $1,400,000 | $182,529 | $3,600,000 |
| Black or African American | 80 | $2,484,000 | $34,000 | $104,000 | $36,666 | $106,000 |
| Not Provided | 58 | $19,264,000 | $389,416 | $998,000 | $12,666 | $102,000 |
| Not applicable | 29 | $3,840,000 | $165,666 | $750,000 | $98,000 | $3,476,000 |
| Hispanic | 21 | $1,677,000 | $62,500 | $410,000 | $55,000 | $300,000 |
| Asian | 20 | $2,056,000 | $169,000 | $595,000 | $240,666 | $1,397,000 |
| American Indian or Alaskan Native | 7 | $294,000 | $45,500 | $87,000 | $55,500 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $545,000 | $57,666 | $297,000 | $61,000 | $413,000 |
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) | 7,170 | $429,367,000 | $349,363 | $1,400,000 | $107,909 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,907 | $292,970,000 | $190,818 | $825,000 | $138,909 | $3,600,000 |
| Application Denied By Financial Institution | 1,702 | $80,797,000 | $95,500 | $1,400,000 | $107,333 | $763,000 |
| Application Approved But Not Accepted | 399 | $20,328,000 | $45,000 | $340,000 | $51,333 | $337,000 |
| Application Withdrawn By Applicant | 105 | $10,510,000 | $163,250 | $638,000 | $108,750 | $310,000 |
| Loan Purchased By The Institution | 49 | $24,177,000 | $505,214 | $998,000 | $82,928 | $742,000 |
| File Closed For Incompleteness | 8 | $585,000 | $73,000 | $160,000 | $30,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 939 | $39,030,000 | $29,250 | $334,000 | $31,750 | $432,000 |
| Debt-To-Income Ratio | 412 | $20,836,000 | $113,250 | $750,000 | $119,500 | $500,000 |
| Collateral | 256 | $14,366,000 | $49,333 | $501,000 | $57,333 | $763,000 |
| Other | 59 | $3,946,000 | $154,666 | $1,400,000 | $52,666 | $632,000 |
| Employment History | 15 | $936,000 | $87,000 | $156,000 | $76,500 | $122,000 |
| Unverifiable Information | 12 | $1,160,000 | $130,500 | $431,000 | $117,500 | $207,000 |
| Credit Application Incomplete | 5 | $124,000 | $21,500 | $70,000 | $38,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $399,000 | $99,000 | $248,000 | $50,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank Of Pa's 2004 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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with aggregated HMDA statistics today.