First National Bank of Pa Mortgage Lending & HMDA Data, 2013

In 2013, First National Bank of Pa of Hermitage, PA reported 16,480 mortgage applications totaling $1.6 billion, up 9% from 2012. The average application was for $98,789, and applicants reported an average income of $80,182. 69% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Pittsburgh, PA (4,532), Cleveland-Elyria-Mentor, OH (1,592) and Youngstown-Warren-Boardman, OH-PA (1,510) (applications in parentheses).

Mortgage Company & Address First National Bank of Pa
1 Fnb Boulevard
Hermitage, PA 16148
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  
Total Number of Mortgage Applications 16,480
Total Mortgage Loan Application Amount $1,628,059,000
Average Mortgage Loan Application Amount $98,789
Highest Mortgage Loan Application Amount $9,200,000
Average Applicant Income $80,182
Highest Applicant Income $4,282,000

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records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 1,861 $ 183,494,000 $ 98,599 $ 89,000
Cambria, Pennsylvania 980 $ 55,291,000 $ 56,419 $ 64,000
Mercer, Pennsylvania 898 $ 69,575,000 $ 77,477 $ 68,000
Westmoreland, Pennsylvania 898 $ 79,975,000 $ 89,059 $ 77,000
Cuyahoga, Ohio 858 $ 140,782,000 $ 164,081 $ 115,000
Somerset, Pennsylvania 687 $ 47,163,000 $ 68,650 $ 67,000
Fayette, Pennsylvania 638 $ 35,971,000 $ 56,380 $ 55,000
Blair, Pennsylvania 600 $ 46,211,000 $ 77,018 $ 66,000
Erie, Pennsylvania 591 $ 58,673,000 $ 99,277 $ 71,000
Butler, Pennsylvania 442 $ 53,067,000 $ 120,061 $ 89,000
Crawford, Pennsylvania 432 $ 34,348,000 $ 79,509 $ 63,000
Lawrence, Pennsylvania 418 $ 32,862,000 $ 78,617 $ 64,000
Centre, Pennsylvania 403 $ 46,247,000 $ 114,756 $ 78,000
Beaver, Pennsylvania 394 $ 34,703,000 $ 88,078 $ 71,000
Bedford, Pennsylvania 375 $ 28,845,000 $ 76,920 $ 59,000
Mahoning, Ohio 363 $ 29,654,000 $ 81,691 $ 79,000
Summit, Ohio 338 $ 56,619,000 $ 167,511 $ 108,000
Lackawanna, Pennsylvania 328 $ 34,243,000 $ 104,399 $ 87,000
Venango, Pennsylvania 304 $ 21,954,000 $ 72,217 $ 68,000
Trumbull, Ohio 249 $ 20,697,000 $ 83,120 $ 65,000
Huntingdon, Pennsylvania 239 $ 15,527,000 $ 64,966 $ 57,000
Mifflin, Pennsylvania 239 $ 17,025,000 $ 71,234 $ 54,000
Geauga, Ohio 236 $ 43,057,000 $ 182,444 $ 116,000
Luzerne, Pennsylvania 218 $ 19,344,000 $ 88,733 $ 84,000
Lake, Ohio 212 $ 29,596,000 $ 139,603 $ 102,000
Medina, Ohio 188 $ 32,418,000 $ 172,436 $ 102,000
Indiana, Pennsylvania 179 $ 12,657,000 $ 70,709 $ 64,000
Susquehanna, Pennsylvania 170 $ 14,952,000 $ 87,952 $ 86,000
Washington, Pennsylvania 169 $ 18,380,000 $ 108,757 $ 81,000
Brooke, West Virginia 168 $ 10,761,000 $ 64,053 $ 66,000
Jefferson, Ohio 165 $ 10,900,000 $ 66,060 $ 67,000
Portage, Ohio 164 $ 26,671,000 $ 162,628 $ 105,000
Lycoming, Pennsylvania 146 $ 14,868,000 $ 101,835 $ 69,000
Juniata, Pennsylvania 142 $ 13,054,000 $ 91,929 $ 59,000
Greene, Pennsylvania 140 $ 7,515,000 $ 53,678 $ 64,000
Armstrong, Pennsylvania 130 $ 9,269,000 $ 71,300 $ 66,000
Northumberland, Pennsylvania 117 $ 7,099,000 $ 60,675 $ 51,000
Clinton, Pennsylvania 102 $ 9,618,000 $ 94,294 $ 82,000
Lorain, Ohio 98 $ 17,797,000 $ 181,602 $ 112,000
Snyder, Pennsylvania 81 $ 7,231,000 $ 89,271 $ 63,000
Wyoming, Pennsylvania 80 $ 7,991,000 $ 99,887 $ 78,000
Schuylkill, Pennsylvania 76 $ 5,058,000 $ 66,552 $ 63,000
Belmont, Ohio 73 $ 5,057,000 $ 69,273 $ 59,000
Union, Pennsylvania 73 $ 9,533,000 $ 130,589 $ 85,000
Anne Arundel, Maryland 61 $ 14,839,000 $ 243,262 $ 123,000
Wayne, Pennsylvania 40 $ 4,523,000 $ 113,075 $ 83,000
Clearfield, Pennsylvania 37 $ 2,755,000 $ 74,459 $ 54,000
Dauphin, Pennsylvania 37 $ 9,181,000 $ 248,135 $ 241,000
Hancock, West Virginia 35 $ 2,415,000 $ 69,000 $ 54,000
Monroe, Pennsylvania 33 $ 3,737,000 $ 113,242 $ 75,000
Ohio, West Virginia 31 $ 2,797,000 $ 90,225 $ 72,000
Cumberland, Pennsylvania 30 $ 8,398,000 $ 279,933 $ 301,000
Ashtabula, Ohio 29 $ 3,854,000 $ 132,896 $ 70,000
Berks, Pennsylvania 24 $ 9,663,000 $ 402,625 $ 155,000
Chautauqua, New York 23 $ 2,795,000 $ 121,521 $ 222,000
Warren, Pennsylvania 23 $ 1,302,000 $ 56,608 $ 62,000
Columbiana, Ohio 19 $ 1,526,000 $ 80,315 $ 63,000
Lee, Florida 14 $ 4,141,000 $ 295,785 $ 181,000
Queen Anne's, Maryland 14 $ 3,381,000 $ 241,500 $ 103,000
Stark, Ohio 14 $ 2,785,000 $ 198,928 $ 129,000
Clarion, Pennsylvania 14 $ 1,587,000 $ 113,357 $ 80,000
Perry, Pennsylvania 14 $ 2,119,000 $ 151,357 $ 72,000
Ottawa, Ohio 11 $ 1,895,000 $ 172,272 $ 123,000
Garrett, Maryland 10 $ 3,432,000 $ 343,200 $ 246,000
Franklin, Ohio 10 $ 1,642,000 $ 164,200 $ 107,000
Forest, Pennsylvania 9 $ 601,000 $ 66,777 $ 78,000
Jefferson, Pennsylvania 9 $ 692,000 $ 76,888 $ 64,000
Collier, Florida 8 $ 1,979,000 $ 247,375 $ 487,000
Wayne, Ohio 8 $ 1,053,000 $ 131,625 $ 76,000
York, Pennsylvania 8 $ 1,398,000 $ 174,750 $ 88,000
Delaware, New York 7 $ 968,000 $ 138,285 $ 55,000
Lucas, Ohio 7 $ 1,375,000 $ 196,428 $ 321,000
Marshall, West Virginia 7 $ 708,000 $ 101,142 $ 130,000
Palm Beach, Florida 6 $ 1,672,000 $ 278,666 $ 117,000
Pinellas, Florida 6 $ 1,899,000 $ 316,500 $ 268,000
Sarasota, Florida 6 $ 2,447,000 $ 407,833 $ 552,000
Delaware, Ohio 6 $ 1,338,000 $ 223,000 $ 159,000
Adams, Pennsylvania 6 $ 1,194,000 $ 199,000 $ 194,000
Bradford, Pennsylvania 6 $ 818,000 $ 136,333 $ 70,000
Columbia, Pennsylvania 6 $ 559,000 $ 93,166 $ 75,000
Montour, Pennsylvania 6 $ 314,000 $ 52,333 $ 55,000
Montgomery, Maryland 5 $ 1,379,000 $ 275,800 $ 195,000
Prince George's, Maryland 5 $ 763,000 $ 152,600 $ 185,000
Talbot, Maryland 5 $ 1,274,000 $ 254,800 $ 191,000
Erie, Ohio 5 $ 1,071,000 $ 214,200 $ 194,000
Harrison, Ohio 5 $ 253,000 $ 50,600 $ 39,000
Carbon, Pennsylvania 5 $ 138,000 $ 27,600 $ 46,000
Lebanon, Pennsylvania 5 $ 769,000 $ 153,800 $ 83,000
Philadelphia, Pennsylvania 5 $ 1,314,000 $ 262,800 $ 455,000
Horry, South Carolina 5 $ 701,000 $ 140,200 $ 218,000
Tioga, Pennsylvania 4 $ 447,000 $ 111,750 $ 113,000
Manatee, Florida 3 $ 735,000 $ 245,000 $ 1,249,000
Baltimore, Maryland 3 $ 260,000 $ 86,666 $ 190,000
Howard, Maryland 3 $ 1,864,000 $ 621,333 $ 195,000
Dare, North Carolina 3 $ 869,000 $ 289,666 $ 320,000
Ashland, Ohio 3 $ 349,000 $ 116,333 $ 126,000
Huron, Ohio 3 $ 453,000 $ 151,000 $ 105,000
Richland, Ohio 3 $ 949,000 $ 316,333 $ 154,000
Chester, Pennsylvania 3 $ 224,000 $ 74,666 $ 228,000
Elk, Pennsylvania 3 $ 112,000 $ 37,333 $ 48,000
Lancaster, Pennsylvania 3 $ 1,977,000 $ 659,000 $ 372,000
Lehigh, Pennsylvania 3 $ 475,000 $ 158,333 $ 203,000
Sullivan, Pennsylvania 3 $ 440,000 $ 146,666 $ 58,000
Preston, West Virginia 3 $ 79,000 $ 26,333 $ 50,000
Summit, Colorado 2 $ 258,000 $ 129,000 $ 200,000
Sussex, Delaware 2 $ 1,410,000 $ 705,000 $ 119,000
Hillsborough, Florida 2 $ 520,000 $ 260,000 $ 169,000
Orange, Florida 2 $ 196,000 $ 98,000 $ 480,000
Baltimore City, Maryland 2 $ 1,446,000 $ 723,000 $ 30,000
Clark, Nevada 2 $ 285,000 $ 142,500 $ 272,000
Broome, New York 2 $ 101,000 $ 50,500 $ 64,000
Tioga, New York 2 $ 17,000 $ 8,500 $ 37,000
Brunswick, North Carolina 2 $ 437,000 $ 218,500 $ 228,000
Mecklenburg, North Carolina 2 $ 376,000 $ 188,000 $ 178,000
Brown, Ohio 2 $ 191,000 $ 95,500 $ 148,000
Carroll, Ohio 2 $ 179,000 $ 89,500 $ 45,000
Fairfield, Ohio 2 $ 285,000 $ 142,500 $ 114,000
Montgomery, Ohio 2 $ 203,000 $ 101,500 $ 68,000
Bucks, Pennsylvania 2 $ 235,000 $ 117,500 $ 92,000
Franklin, Pennsylvania 2 $ 1,023,000 $ 511,500 $ 7,000
Fulton, Pennsylvania 2 $ 490,000 $ 245,000 $ 94,000
Montgomery, Pennsylvania 2 $ 232,000 $ 116,000 $ 149,000
Potter, Pennsylvania 2 $ 345,000 $ 172,500 $ 170,000
Berkeley, South Carolina 2 $ 600,000 $ 300,000 $ 2,160,000
Charleston, South Carolina 2 $ 1,210,000 $ 605,000 $ 275,000
Lexington, South Carolina 2 $ 489,000 $ 244,500 $ 178,000
Monongalia, West Virginia 2 $ 151,000 $ 75,500 $ 43,000
District of Columbia, District Of Columbia 1 $ 345,000 $ 345,000 $ 0
Brevard, Florida 1 $ 202,000 $ 202,000 $ 62,000
Duval, Florida 1 $ 106,000 $ 106,000 $ 89,000
Indian River, Florida 1 $ 390,000 $ 390,000 $ 1,164,000
Okaloosa, Florida 1 $ 112,000 $ 112,000 $ 86,000
St. Johns, Florida 1 $ 195,000 $ 195,000 $ 36,000
Volusia, Florida 1 $ 52,000 $ 52,000 $ 39,000
Walton, Florida 1 $ 629,000 $ 629,000 $ 324,000
Cook, Illinois 1 $ 385,000 $ 385,000 $ 249,000
Will, Illinois 1 $ 251,000 $ 251,000 $ 121,000
Allen, Indiana 1 $ 296,000 $ 296,000 $ 128,000
Boone, Indiana 1 $ 400,000 $ 400,000 $ 205,000
East Baton Rouge, Louisiana 1 $ 37,000 $ 37,000 $ 45,000
Allegany, Maryland 1 $ 50,000 $ 50,000 $ 58,000
Calvert, Maryland 1 $ 495,000 $ 495,000 $ 335,000
Caroline, Maryland 1 $ 238,000 $ 238,000 $ 160,000
Frederick, Maryland 1 $ 150,000 $ 150,000 $ 116,000
Harford, Maryland 1 $ 400,000 $ 400,000 $ 141,000
Plymouth, Massachusetts 1 $ 285,000 $ 285,000 $ 82,000
Strafford, New Hampshire 1 $ 210,000 $ 210,000 $ 108,000
Cape May, New Jersey 1 $ 1,890,000 $ 1,890,000 $ 235,000
Gloucester, New Jersey 1 $ 5,000,000 $ 5,000,000 $ 0
Allegany, New York 1 $ 109,000 $ 109,000 $ 156,000
Cattaraugus, New York 1 $ 238,000 $ 238,000 $ 650,000
Nassau, New York 1 $ 44,000 $ 44,000 $ 126,000
Catawba, North Carolina 1 $ 417,000 $ 417,000 $ 340,000
Lincoln, North Carolina 1 $ 390,000 $ 390,000 $ 300,000
Wake, North Carolina 1 $ 272,000 $ 272,000 $ 26,000
Butler, Ohio 1 $ 72,000 $ 72,000 $ 171,000
Clermont, Ohio 1 $ 167,000 $ 167,000 $ 130,000
Guernsey, Ohio 1 $ 120,000 $ 120,000 $ 50,000
Holmes, Ohio 1 $ 288,000 $ 288,000 $ 87,000
Knox, Ohio 1 $ 96,000 $ 96,000 $ 64,000
Licking, Ohio 1 $ 122,000 $ 122,000 $ 65,000
Miami, Ohio 1 $ 203,000 $ 203,000 $ 84,000
Monroe, Ohio 1 $ 85,000 $ 85,000 $ 77,000
Scioto, Ohio 1 $ 416,000 $ 416,000 $ 127,000
Tuscarawas, Ohio 1 $ 168,000 $ 168,000 $ 115,000
Washington, Ohio 1 $ 152,000 $ 152,000 $ 64,000
Wood, Ohio 1 $ 25,000 $ 25,000 $ 176,000
Cameron, Pennsylvania 1 $ 57,000 $ 57,000 $ 126,000
Delaware, Pennsylvania 1 $ 50,000 $ 50,000 $ 154,000
McKean, Pennsylvania 1 $ 37,000 $ 37,000 $ 94,000
Northampton, Pennsylvania 1 $ 186,000 $ 186,000 $ 96,000
Pike, Pennsylvania 1 $ 13,000 $ 13,000 $ 6,000
Georgetown, South Carolina 1 $ 400,000 $ 400,000 $ 267,000
Frederick, Virginia 1 $ 243,000 $ 243,000 $ 127,000
Cabell, West Virginia 1 $ 370,000 $ 370,000 $ 152,000
Marion, West Virginia 1 $ 71,000 $ 71,000 $ 63,000
Tyler, West Virginia 1 $ 22,000 $ 22,000 $ 161,000

Mortgage Loan Application Detail Totals for First National Bank of Pa in 2013

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 9,982 $1,120,109,000 $112,000 $5,300,000 $85,000 $2,862,000
Home Improvement 3,981 $158,141,000 $39,000 $3,120,000 $60,000 $707,000
Home Purchase 2,517 $349,809,000 $138,000 $9,200,000 $93,000 $4,282,000

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 15,315 $1,438,667,000 $93,000 $1,890,000 $81,000 $2,951,000
Not applicable 341 $96,760,000 $283,000 $9,200,000 $0 $219,000
Not Provided 299 $31,866,000 $106,000 $1,383,000 $98,000 $955,000
Black or African American 209 $15,798,000 $75,000 $486,000 $68,000 $546,000
Asian 165 $31,745,000 $192,000 $1,080,000 $168,000 $4,282,000
Hispanic 129 $10,731,000 $83,000 $399,000 $77,000 $952,000
American Indian or Alaskan Native 13 $1,338,000 $102,000 $244,000 $97,000 $353,000
Native Hawaiian or Other Pacific Islander 9 $1,154,000 $128,000 $184,000 $78,000 $195,000

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) 16,384 $1,617,130,000 $98,000 $9,200,000 $81,000 $4,282,000
FHA-insured (Federal Housing Administration) 96 $10,929,000 $113,000 $486,000 $58,000 $201,000
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 11,378 $1,193,703,000 $104,000 $9,200,000 $86,000 $4,282,000
Application Denied By Financial Institution 3,595 $244,438,000 $67,000 $3,935,000 $56,000 $875,000
Application Withdrawn By Applicant 708 $96,838,000 $136,000 $1,425,000 $100,000 $2,951,000
Application Approved But Not Accepted 566 $55,733,000 $98,000 $840,000 $83,000 $845,000
File Closed For Incompleteness 233 $37,347,000 $160,000 $770,000 $115,000 $1,104,000
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
Credit History 1,669 $83,305,000 $49,000 $410,000 $56,000 $720,000
Debt-To-Income Ratio 836 $67,111,000 $80,000 $1,069,000 $38,000 $321,000
Collateral 760 $61,165,000 $80,000 $650,000 $72,000 $875,000
Unverifiable Information 186 $15,489,000 $83,000 $610,000 $75,000 $450,000
Other 56 $5,389,000 $96,000 $400,000 $52,000 $229,000
Credit Application Incomplete 44 $4,223,000 $95,000 $460,000 $62,000 $173,000
Employment History 28 $2,195,000 $78,000 $417,000 $41,000 $106,000
Insufficient Cash (Downpayment, Closing Cost) 11 $5,048,000 $458,000 $3,935,000 $43,000 $79,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Pa's 2013 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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