First National Bank of Pa Mortgage Lending & HMDA Data, 2006
In 2006, First National Bank of Pa of Greenville, PA reported 7,876 mortgage applications totaling $458.5 million, down 4% from 2005. The average application was for $58,219, and applicants reported an average income of $63,633. 63% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Pittsburgh, PA (1,854), Youngstown-Warren-Boardman, OH-PA (1,323) and Johnstown, PA (685) (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 | 7,876 |
| Total Mortgage Loan Application Amount | $458,534,000 |
| Average Mortgage Loan Application Amount | $58,219 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $63,633 |
| Highest Applicant Income | $3,096,000 |
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records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,854 | $ 108,809,000 | $ 58,688 | $ 63,000 |
| Youngstown-Warren-Boardman, OH-PA | 1,323 | $ 76,155,000 | $ 57,562 | $ 56,656 |
| Johnstown, PA | 685 | $ 28,632,000 | $ 41,798 | $ 51,000 |
| Erie, PA | 476 | $ 28,120,000 | $ 59,075 | $ 58,000 |
| Scranton--Wilkes-Barre, PA | 76 | $ 7,479,000 | $ 98,407 | $ 66,000 |
| Altoona, PA | 72 | $ 3,309,000 | $ 45,958 | $ 52,000 |
| Cleveland-Elyria-Mentor, OH | 59 | $ 4,473,000 | $ 75,813 | $ 68,000 |
| Harrisburg-Carlisle, PA | 49 | $ 7,734,000 | $ 157,836 | $ 95,000 |
| Chicago-Naperville-Joliet, IL | 30 | $ 1,280,000 | $ 42,666 | $ 117,000 |
| Cincinnati-Middletown, OH-KY-IN | 28 | $ 1,236,000 | $ 44,142 | $ 79,321 |
| Williamsport, PA | 26 | $ 1,845,000 | $ 70,961 | $ 78,000 |
| Atlanta-Sandy Springs-Marietta, GA | 25 | $ 747,000 | $ 29,880 | $ 70,000 |
| Philadelphia, PA | 25 | $ 2,095,000 | $ 83,800 | $ 129,000 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 886,000 | $ 35,440 | $ 126,000 |
| Morgantown, WV | 21 | $ 1,120,000 | $ 53,333 | $ 39,000 |
| Birmingham-Hoover, AL | 20 | $ 567,000 | $ 28,350 | $ 74,000 |
| Des Moines-West Des Moines, IA | 19 | $ 703,000 | $ 37,000 | $ 74,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 19 | $ 815,000 | $ 42,894 | $ 102,315 |
| York-Hanover, PA | 18 | $ 2,265,000 | $ 125,833 | $ 129,000 |
| Portland-Vancouver-Beaverton, OR-WA | 17 | $ 512,000 | $ 30,117 | $ 71,000 |
| St. Louis, MO-IL | 16 | $ 454,000 | $ 28,375 | $ 58,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 2,998,000 | $ 199,866 | $ 242,000 |
| Kansas City, MO-KS | 15 | $ 498,000 | $ 33,200 | $ 87,600 |
| Detroit-Livonia-Dearborn, MI | 14 | $ 357,000 | $ 25,500 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 14 | $ 414,000 | $ 29,571 | $ 82,000 |
| Nashville-Davidson--Murfreesboro, TN | 13 | $ 1,783,000 | $ 137,153 | $ 97,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 13 | $ 1,048,000 | $ 80,615 | $ 113,384 |
| Columbus, OH | 12 | $ 10,275,000 | $ 856,250 | $ 347,000 |
| Charlotte-Gastonia-Concord, NC-SC | 11 | $ 383,000 | $ 34,818 | $ 93,000 |
| Jacksonville, FL | 11 | $ 871,000 | $ 79,181 | $ 121,000 |
| Naples-Marco Island, FL | 11 | $ 9,058,000 | $ 823,454 | $ 162,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 506,000 | $ 46,000 | $ 91,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 1,613,000 | $ 146,636 | $ 210,000 |
| Albuquerque, NM | 10 | $ 502,000 | $ 50,200 | $ 121,000 |
| Baton Rouge, LA | 10 | $ 273,000 | $ 27,300 | $ 76,000 |
| Denver-Aurora, CO | 10 | $ 318,000 | $ 31,800 | $ 103,000 |
| Lafayette, LA | 9 | $ 217,000 | $ 24,111 | $ 72,000 |
| Madison, WI | 9 | $ 387,000 | $ 43,000 | $ 118,000 |
| Mansfield, OH | 8 | $ 491,000 | $ 61,375 | $ 64,000 |
| Tallahassee, FL | 8 | $ 237,000 | $ 29,625 | $ 83,000 |
| Tucson, AZ | 8 | $ 282,000 | $ 35,250 | $ 63,000 |
| Ann Arbor, MI | 7 | $ 237,000 | $ 33,857 | $ 65,000 |
| Houston-Sugar Land-Baytown, TX | 7 | $ 169,000 | $ 24,142 | $ 99,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 188,000 | $ 26,857 | $ 74,000 |
| Raleigh-Cary, NC | 7 | $ 200,000 | $ 28,571 | $ 91,000 |
| Yakima, WA | 7 | $ 262,000 | $ 37,428 | $ 121,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 267,000 | $ 44,500 | $ 55,000 |
| Anchorage, AK | 6 | $ 322,000 | $ 53,666 | $ 109,000 |
| Boise City-Nampa, ID | 6 | $ 189,000 | $ 31,500 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,170,000 | $ 195,000 | $ 206,000 |
| Indianapolis-Carmel, IN | 6 | $ 157,000 | $ 26,166 | $ 71,000 |
| Louisville-Jefferson County, KY-IN | 6 | $ 118,000 | $ 19,666 | $ 61,333 |
| Orlando-Kissimmee, FL | 6 | $ 656,000 | $ 109,333 | $ 148,000 |
| Provo-Orem, UT | 6 | $ 111,000 | $ 18,500 | $ 78,000 |
| Rochester, NY | 6 | $ 291,000 | $ 48,500 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 395,000 | $ 65,833 | $ 323,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 165,000 | $ 33,000 | $ 70,000 |
| Ames, IA | 5 | $ 115,000 | $ 23,000 | $ 70,000 |
| Billings, MT | 5 | $ 118,000 | $ 23,600 | $ 72,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 375,000 | $ 75,000 | $ 150,000 |
| Nassau-Suffolk, NY | 5 | $ 343,000 | $ 68,600 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 215,000 | $ 43,000 | $ 69,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 1,716,000 | $ 343,200 | $ 132,000 |
| Tulsa, OK | 5 | $ 103,000 | $ 20,600 | $ 91,000 |
| Wilmington, NC | 5 | $ 121,000 | $ 24,200 | $ 62,000 |
| Akron, OH | 4 | $ 296,000 | $ 74,000 | $ 102,000 |
| Baltimore-Towson, MD | 4 | $ 131,000 | $ 32,750 | $ 77,000 |
| Bismarck, ND | 4 | $ 81,000 | $ 20,250 | $ 66,000 |
| Charleston, WV | 4 | $ 96,000 | $ 24,000 | $ 64,000 |
| Charleston-North Charleston, SC | 4 | $ 676,000 | $ 169,000 | $ 138,000 |
| Dallas-Plano-Irving, TX | 4 | $ 133,000 | $ 33,250 | $ 204,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 132,000 | $ 33,000 | $ 105,000 |
| Jackson, MS | 4 | $ 116,000 | $ 29,000 | $ 84,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 261,000 | $ 65,250 | $ 106,000 |
| Reading, PA | 4 | $ 143,000 | $ 35,750 | $ 61,000 |
| Salem, OR | 4 | $ 124,000 | $ 31,000 | $ 87,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 48,000 | $ 16,000 | $ 121,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 134,000 | $ 44,666 | $ 88,000 |
| Camden, NJ | 3 | $ 202,000 | $ 67,333 | $ 90,000 |
| Canton-Massillon, OH | 3 | $ 507,000 | $ 169,000 | $ 347,000 |
| Carson City, NV | 3 | $ 113,000 | $ 37,666 | $ 80,000 |
| Edison, NJ | 3 | $ 161,000 | $ 53,666 | $ 101,000 |
| Hattiesburg, MS | 3 | $ 69,000 | $ 23,000 | $ 70,000 |
| Iowa City, IA | 3 | $ 119,000 | $ 39,666 | $ 116,000 |
| Lakeland, FL | 3 | $ 395,000 | $ 131,666 | $ 161,000 |
| Lawrence, KS | 3 | $ 54,000 | $ 18,000 | $ 72,000 |
| Lebanon, PA | 3 | $ 515,000 | $ 171,666 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 224,000 | $ 74,666 | $ 176,000 |
| New Haven-Milford, CT | 3 | $ 206,000 | $ 68,666 | $ 99,000 |
| New York-White Plains-Wayne, NY-NJ | 3 | $ 124,000 | $ 41,333 | $ 72,666 |
| Newark-Union, NJ-PA | 3 | $ 409,000 | $ 136,333 | $ 240,000 |
| Olympia, WA | 3 | $ 95,000 | $ 31,666 | $ 77,000 |
| Rapid City, SD | 3 | $ 96,000 | $ 32,000 | $ 83,000 |
| Richmond, VA | 3 | $ 117,000 | $ 39,000 | $ 140,000 |
| Roanoke, VA | 3 | $ 126,000 | $ 42,000 | $ 91,000 |
| St. Joseph, MO-KS | 3 | $ 92,000 | $ 30,666 | $ 100,000 |
| Tacoma, WA | 3 | $ 147,000 | $ 49,000 | $ 111,000 |
| Wilmington, DE-MD-NJ | 3 | $ 136,000 | $ 45,333 | $ 92,000 |
| Alexandria, LA | 2 | $ 47,000 | $ 23,500 | $ 86,000 |
| Austin-Round Rock, TX | 2 | $ 76,000 | $ 38,000 | $ 96,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 83,000 | $ 41,500 | $ 142,000 |
| Champaign-Urbana, IL | 2 | $ 93,000 | $ 46,500 | $ 100,000 |
| Charlottesville, VA | 2 | $ 78,000 | $ 39,000 | $ 102,000 |
| Columbia, MO | 2 | $ 49,000 | $ 24,500 | $ 63,000 |
| Dayton, OH | 2 | $ 50,000 | $ 25,000 | $ 172,000 |
| Eugene-Springfield, OR | 2 | $ 71,000 | $ 35,500 | $ 85,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 77,000 | $ 38,500 | $ 130,000 |
| Flint, MI | 2 | $ 50,000 | $ 25,000 | $ 61,000 |
| Fort Collins-Loveland, CO | 2 | $ 82,000 | $ 41,000 | $ 92,000 |
| Gainesville, FL | 2 | $ 58,000 | $ 29,000 | $ 67,000 |
| Holland-Grand Haven, MI | 2 | $ 66,000 | $ 33,000 | $ 62,000 |
| Honolulu, HI | 2 | $ 187,000 | $ 93,500 | $ 139,000 |
| Jacksonville, NC | 2 | $ 134,000 | $ 67,000 | $ 38,000 |
| Knoxville, TN | 2 | $ 32,000 | $ 16,000 | $ 26,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 72,000 | $ 36,000 | $ 107,000 |
| Lancaster, PA | 2 | $ 35,000 | $ 17,500 | $ 90,000 |
| Lexington-Fayette, KY | 2 | $ 45,000 | $ 22,500 | $ 74,000 |
| Lincoln, NE | 2 | $ 57,000 | $ 28,500 | $ 44,000 |
| Lynchburg, VA | 2 | $ 69,000 | $ 34,500 | $ 167,000 |
| Ocala, FL | 2 | $ 44,000 | $ 22,000 | $ 40,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 163,000 | $ 81,500 | $ 176,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 107,000 | $ 53,500 | $ 98,000 |
| Reno-Sparks, NV | 2 | $ 69,000 | $ 34,500 | $ 43,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 24,000 | $ 12,000 | $ 44,000 |
| Santa Fe, NM | 2 | $ 135,000 | $ 67,500 | $ 81,000 |
| Spokane, WA | 2 | $ 102,000 | $ 51,000 | $ 77,000 |
| State College, PA | 2 | $ 322,000 | $ 161,000 | $ 284,000 |
| Syracuse, NY | 2 | $ 53,000 | $ 26,500 | $ 75,000 |
| Toledo, OH | 2 | $ 355,000 | $ 177,500 | $ 108,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 42,000 | $ 21,000 | $ 71,000 |
| Appleton, WI | 1 | $ 16,000 | $ 16,000 | $ 46,000 |
| Asheville, NC | 1 | $ 29,000 | $ 29,000 | $ 300,000 |
| Atlantic City, NJ | 1 | $ 18,000 | $ 18,000 | $ 66,000 |
| Barnstable Town, MA | 1 | $ 33,000 | $ 33,000 | $ 276,000 |
| Bellingham, WA | 1 | $ 31,000 | $ 31,000 | $ 157,000 |
| Bremerton-Silverdale, WA | 1 | $ 39,000 | $ 39,000 | $ 60,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| Brownsville-Harlingen, TX | 1 | $ 31,000 | $ 31,000 | $ 556,000 |
| Brunswick, GA | 1 | $ 44,000 | $ 44,000 | $ 203,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 27,000 | $ 27,000 | $ 83,000 |
| Cedar Rapids, IA | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Chattanooga, TN-GA | 1 | $ 47,000 | $ 47,000 | $ 222,000 |
| Clarksville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Coeur D'Alene, ID | 1 | $ 30,000 | $ 30,000 | $ 158,000 |
| Colorado Springs, CO | 1 | $ 22,000 | $ 22,000 | $ 108,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 400,000 | $ 400,000 | $ 90,000 |
| Dubuque, IA | 1 | $ 17,000 | $ 17,000 | $ 55,000 |
| Duluth, MN-WI | 1 | $ 42,000 | $ 42,000 | $ 98,000 |
| Eau Claire, WI | 1 | $ 20,000 | $ 20,000 | $ 32,000 |
| Fargo, ND-MN | 1 | $ 14,000 | $ 14,000 | $ 43,000 |
| Farmington, NM | 1 | $ 22,000 | $ 22,000 | $ 44,000 |
| Florence-Muscle Shoals, AL | 1 | $ 20,000 | $ 20,000 | $ 46,000 |
| Fort Wayne, IN | 1 | $ 16,000 | $ 16,000 | $ 41,000 |
| Green Bay, WI | 1 | $ 80,000 | $ 80,000 | $ 153,000 |
| Greenville, NC | 1 | $ 16,000 | $ 16,000 | $ 46,000 |
| Greenville, SC | 1 | $ 23,000 | $ 23,000 | $ 47,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 57,000 | $ 57,000 | $ 106,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 32,000 | $ 32,000 | $ 120,000 |
| Huntsville, AL | 1 | $ 21,000 | $ 21,000 | $ 80,000 |
| Idaho Falls, ID | 1 | $ 7,000 | $ 7,000 | $ 41,000 |
| Jackson, MI | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 19,000 | $ 19,000 | $ 90,000 |
| Lake Charles, LA | 1 | $ 20,000 | $ 20,000 | $ 73,000 |
| Lansing-East Lansing, MI | 1 | $ 62,000 | $ 62,000 | $ 46,000 |
| Lima, OH | 1 | $ 6,000 | $ 6,000 | $ 115,000 |
| Macon, GA | 1 | $ 66,000 | $ 66,000 | $ 123,000 |
| Memphis, TN-MS-AR | 1 | $ 33,000 | $ 33,000 | $ 63,000 |
| Michigan City-La Porte, IN | 1 | $ 34,000 | $ 34,000 | $ 176,000 |
| Missoula, MT | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Monroe, MI | 1 | $ 29,000 | $ 29,000 | $ 83,000 |
| Muskegon-Norton Shores, MI | 1 | $ 19,000 | $ 19,000 | $ 110,000 |
| Oklahoma City, OK | 1 | $ 18,000 | $ 18,000 | $ 68,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 16,000 | $ 16,000 | $ 36,000 |
| Oshkosh-Neenah, WI | 1 | $ 13,000 | $ 13,000 | $ 57,000 |
| Pocatello, ID | 1 | $ 17,000 | $ 17,000 | $ 48,000 |
| Prescott, AZ | 1 | $ 29,000 | $ 29,000 | $ 94,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 21,000 | $ 21,000 | $ 64,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Racine, WI | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Redding, CA | 1 | $ 31,000 | $ 31,000 | $ 236,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 158,000 | $ 158,000 | $ 156,000 |
| Savannah, GA | 1 | $ 22,000 | $ 22,000 | $ 35,000 |
| Sioux Falls, SD | 1 | $ 21,000 | $ 21,000 | $ 27,000 |
| Springfield, MA | 1 | $ 33,000 | $ 33,000 | $ 107,000 |
| St. George, UT | 1 | $ 74,000 | $ 74,000 | $ 196,000 |
| Tuscaloosa, AL | 1 | $ 61,000 | $ 61,000 | $ 137,000 |
| Waco, TX | 1 | $ 15,000 | $ 15,000 | $ 187,000 |
| Warner Robins, GA | 1 | $ 77,000 | $ 77,000 | $ 224,000 |
| Winchester, VA-WV | 1 | $ 71,000 | $ 71,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for First National Bank of Pa in 2006
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 | 2,847 | $183,210,000 | $64,000 | $1,400,000 | $62,000 | $1,020,000 |
| Home Improvement | 2,690 | $77,823,000 | $28,000 | $880,000 | $52,000 | $461,000 |
| Home Purchase | 2,339 | $197,501,000 | $84,000 | $10,000,000 | $79,000 | $3,096,000 |
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 | 7,185 | $415,675,000 | $57,000 | $10,000,000 | $63,000 | $3,096,000 |
| Not Provided | 410 | $15,800,000 | $38,000 | $680,000 | $83,000 | $628,000 |
| Black or African American | 113 | $4,881,000 | $43,000 | $376,000 | $70,000 | $504,000 |
| Hispanic | 55 | $2,795,000 | $50,000 | $466,000 | $71,000 | $287,000 |
| Not applicable | 55 | $15,401,000 | $280,000 | $6,290,000 | $0 | $0 |
| Asian | 40 | $3,063,000 | $76,000 | $310,000 | $121,000 | $461,000 |
| American Indian or Alaskan Native | 11 | $608,000 | $55,000 | $204,000 | $74,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $311,000 | $44,000 | $100,000 | $115,000 | $394,000 |
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) | 7,876 | $458,534,000 | $58,000 | $10,000,000 | $64,000 | $3,096,000 |
| 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 | 4,992 | $310,843,000 | $62,000 | $6,290,000 | $63,000 | $1,383,000 |
| Application Denied By Financial Institution | 1,511 | $67,735,000 | $44,000 | $1,000,000 | $47,000 | $800,000 |
| Loan Purchased By The Institution | 858 | $29,880,000 | $34,000 | $236,000 | $93,000 | $844,000 |
| Application Approved But Not Accepted | 355 | $16,947,000 | $47,000 | $417,000 | $62,000 | $450,000 |
| Application Withdrawn By Applicant | 160 | $33,129,000 | $207,000 | $10,000,000 | $103,000 | $3,096,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 855 | $30,056,000 | $35,000 | $290,000 | $42,000 | $404,000 |
| Collateral | 308 | $16,518,000 | $53,000 | $333,000 | $65,000 | $800,000 |
| Debt-To-Income Ratio | 301 | $18,044,000 | $59,000 | $1,000,000 | $36,000 | $330,000 |
| Other | 25 | $1,775,000 | $71,000 | $250,000 | $105,000 | $504,000 |
| Unverifiable Information | 10 | $773,000 | $77,000 | $245,000 | $58,000 | $122,000 |
| Credit Application Incomplete | 7 | $312,000 | $44,000 | $75,000 | $46,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $205,000 | $68,000 | $119,000 | $58,000 | $82,000 |
| Employment History | 2 | $52,000 | $26,000 | $38,000 | $22,000 | $24,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Pa's 2006 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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