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records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Pittsburgh, PA | 3,177 | $ 203,945,000 | $ 64,194 | $ 69,000 |
| Johnstown, PA | 3,039 | $ 158,315,000 | $ 52,094 | $ 64,000 |
| Sharon, PA | 1,855 | $ 128,367,000 | $ 69,200 | $ 58,000 |
| Erie, PA | 1,022 | $ 72,344,000 | $ 70,786 | $ 119,000 |
| Youngstown-Warren, OH | 735 | $ 52,248,000 | $ 71,085 | $ 68,000 |
| Altoona, PA | 250 | $ 14,605,000 | $ 58,420 | $ 63,000 |
| Cleveland-Lorain-Elyria, OH | 81 | $ 7,142,000 | $ 88,172 | $ 65,000 |
| Chicago, IL | 11 | $ 4,823,000 | $ 438,454 | $ 272,000 |
| Jamestown, NY | 11 | $ 2,002,000 | $ 182,000 | $ 191,000 |
| Fort Myers-Cape Coral, FL | 9 | $ 1,847,000 | $ 205,222 | $ 187,000 |
| Philadelphia, PA-NJ | 7 | $ 2,127,000 | $ 303,857 | $ 209,000 |
| Detroit, MI | 5 | $ 2,304,000 | $ 460,800 | $ 218,000 |
| Minneapolis-St. Paul, MN-WI | 5 | $ 2,093,000 | $ 418,600 | $ 199,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 2,040,000 | $ 408,000 | $ 164,000 |
| State College, PA | 5 | $ 365,000 | $ 73,000 | $ 119,000 |
| Atlanta, GA | 4 | $ 1,721,000 | $ 430,250 | $ 217,000 |
| Harrisburg-Lebanon-Carlisle, PA | 4 | $ 810,000 | $ 202,500 | $ 245,000 |
| Indianapolis, IN | 4 | $ 1,829,000 | $ 457,250 | $ 350,000 |
| Naples, FL | 4 | $ 1,526,000 | $ 381,500 | $ 174,000 |
| Phoenix-Mesa, AZ | 4 | $ 1,428,000 | $ 357,000 | $ 194,000 |
| Ann Arbor, MI | 3 | $ 1,366,000 | $ 455,333 | $ 235,000 |
| Baltimore, MD | 3 | $ 823,000 | $ 274,333 | $ 191,000 |
| Dayton-Springfield, OH | 3 | $ 301,000 | $ 100,333 | $ 140,000 |
| Fort Walton Beach, FL | 3 | $ 999,000 | $ 333,000 | $ 121,000 |
| Miami, FL | 3 | $ 1,217,000 | $ 405,666 | $ 330,000 |
| Middlesex-Somerset-Hunterdon, NJ | 3 | $ 519,000 | $ 173,000 | $ 237,000 |
| Nashville, TN | 3 | $ 1,595,000 | $ 531,666 | $ 316,000 |
| Akron, OH | 2 | $ 138,000 | $ 69,000 | $ 81,000 |
| Allentown-Bethlehem-Easton, PA | 2 | $ 465,000 | $ 232,500 | $ 113,000 |
| Baton Rouge, LA | 2 | $ 792,000 | $ 396,000 | $ 227,000 |
| Bergen-Passaic, NJ | 2 | $ 1,026,000 | $ 513,000 | $ 327,000 |
| Columbus, OH | 2 | $ 497,000 | $ 248,500 | $ 220,000 |
| Cumberland, MD-WV | 2 | $ 220,000 | $ 110,000 | $ 52,000 |
| Hamilton-Middletown, OH | 2 | $ 508,000 | $ 254,000 | $ 169,000 |
| Kalamazoo-Battle Creek, MI | 2 | $ 769,000 | $ 384,500 | $ 143,000 |
| Nassau-Suffolk, NY | 2 | $ 724,000 | $ 362,000 | $ 132,000 |
| Oklahoma City, OK | 2 | $ 987,000 | $ 493,500 | $ 331,000 |
| Orlando, FL | 2 | $ 93,000 | $ 46,500 | $ 52,000 |
| Rochester, NY | 2 | $ 39,000 | $ 19,500 | $ 130,000 |
| Sarasota-Bradenton, FL | 2 | $ 286,000 | $ 143,000 | $ 51,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 238,000 | $ 119,000 | $ 73,000 |
| St. Louis, MO-IL | 2 | $ 800,000 | $ 400,000 | $ 188,000 |
| Washington, DC-MD-VA-WV | 2 | $ 877,000 | $ 438,500 | $ 248,000 |
| Worcester, MA-CT | 2 | $ 933,000 | $ 466,500 | $ 147,000 |
| Atlantic-Cape May, NJ | 1 | $ 391,000 | $ 391,000 | $ 281,000 |
| Birmingham, AL | 1 | $ 362,000 | $ 362,000 | $ 219,000 |
| Boise City, ID | 1 | $ 360,000 | $ 360,000 | $ 186,000 |
| Boston, MA-NH | 1 | $ 448,000 | $ 448,000 | $ 331,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 50,000 | $ 50,000 | $ 27,000 |
| Canton-Massillon, OH | 1 | $ 9,000 | $ 9,000 | $ 41,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 14,000 | $ 14,000 | $ 27,000 |
| Chattanooga, TN-GA | 1 | $ 364,000 | $ 364,000 | $ 316,000 |
| Cincinnati, OH-KY-IN | 1 | $ 548,000 | $ 548,000 | $ 161,000 |
| Danbury, CT | 1 | $ 413,000 | $ 413,000 | $ 255,000 |
| Daytona Beach, FL | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Denver, CO | 1 | $ 538,000 | $ 538,000 | $ 0 |
| Des Moines, IA | 1 | $ 430,000 | $ 430,000 | $ 316,000 |
| Fort Collins-Loveland, CO | 1 | $ 379,000 | $ 379,000 | $ 189,000 |
| Fort Wayne, IN | 1 | $ 523,000 | $ 523,000 | $ 591,000 |
| Gainesville, FL | 1 | $ 29,000 | $ 29,000 | $ 44,000 |
| Grand Rapids-Muskegon-Holland, MI | 1 | $ 424,000 | $ 424,000 | $ 120,000 |
| Honolulu, HI | 1 | $ 54,000 | $ 54,000 | $ 83,000 |
| Houston, TX | 1 | $ 23,000 | $ 23,000 | $ 80,000 |
| Jacksonville, FL | 1 | $ 499,000 | $ 499,000 | $ 373,000 |
| Jersey City, NJ | 1 | $ 20,000 | $ 20,000 | $ 98,000 |
| Kansas City, MO-KS | 1 | $ 400,000 | $ 400,000 | $ 349,000 |
| Lancaster, PA | 1 | $ 29,000 | $ 29,000 | $ 64,000 |
| Las Vegas, NV-AZ | 1 | $ 118,000 | $ 118,000 | $ 53,000 |
| Little Rock-North Little Rock, AR | 1 | $ 518,000 | $ 518,000 | $ 400,000 |
| Melbourne-Titusville-Palm Bay, FL | 1 | $ 60,000 | $ 60,000 | $ 101,000 |
| Memphis, TN-AR-MS | 1 | $ 336,000 | $ 336,000 | $ 240,000 |
| Milwaukee-Waukesha, WI | 1 | $ 435,000 | $ 435,000 | $ 105,000 |
| Mobile, AL | 1 | $ 459,000 | $ 459,000 | $ 153,000 |
| Myrtle Beach, SC | 1 | $ 78,000 | $ 78,000 | $ 67,000 |
| New York, NY | 1 | $ 453,000 | $ 453,000 | $ 401,000 |
| Panama City, FL | 1 | $ 405,000 | $ 405,000 | $ 165,000 |
| Pensacola, FL | 1 | $ 385,000 | $ 385,000 | $ 660,000 |
| Portland, ME | 1 | $ 476,000 | $ 476,000 | $ 408,000 |
| Providence-Fall River-Warwick, RI-MA | 1 | $ 406,000 | $ 406,000 | $ 148,000 |
| Provo-Orem, UT | 1 | $ 450,000 | $ 450,000 | $ 186,000 |
| Raleigh-Durham-Chapel Hill, NC | 1 | $ 513,000 | $ 513,000 | $ 156,000 |
| Reno, NV | 1 | $ 380,000 | $ 380,000 | $ 169,000 |
| Richmond-Petersburg, VA | 1 | $ 381,000 | $ 381,000 | $ 140,000 |
| Rocky Mount, NC | 1 | $ 463,000 | $ 463,000 | $ 1,058,000 |
| Savannah, GA | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| South Bend, IN | 1 | $ 328,000 | $ 328,000 | $ 116,000 |
| Spokane, WA | 1 | $ 426,000 | $ 426,000 | $ 300,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 18,000 | $ 18,000 | $ 75,000 |
| Toledo, OH | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| York, PA | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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