First National Bank of Pa Mortgage Lending & HMDA Data, 2014

In 2014, First National Bank of Pa of Hermitage, PA reported 12,030 mortgage applications totaling $1.3 billion, down 27% from 2013. The average application was for $104,949, and applicants reported an average income of $82,682. 66% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Pittsburgh, PA (3,501), Youngstown-Warren-Boardman, OH-PA (1,107) and Cleveland-Elyria, OH (823) (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 12,030
Total Mortgage Loan Application Amount $1,262,540,000
Average Mortgage Loan Application Amount $104,949
Highest Mortgage Loan Application Amount $21,850,000
Average Applicant Income $82,682
Highest Applicant Income $5,304,000

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records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 1,447 $ 168,875,000 $ 116,706 $ 95,000
Cambria, Pennsylvania 740 $ 40,910,000 $ 55,283 $ 63,000
Westmoreland, Pennsylvania 667 $ 59,589,000 $ 89,338 $ 75,000
Mercer, Pennsylvania 650 $ 46,126,000 $ 70,963 $ 62,000
Fayette, Pennsylvania 598 $ 28,820,000 $ 48,193 $ 58,000
Somerset, Pennsylvania 514 $ 30,990,000 $ 60,291 $ 63,000
Cuyahoga, Ohio 461 $ 75,474,000 $ 163,718 $ 114,000
Erie, Pennsylvania 429 $ 39,007,000 $ 90,925 $ 79,000
Blair, Pennsylvania 417 $ 37,386,000 $ 89,654 $ 82,000
Butler, Pennsylvania 312 $ 37,272,000 $ 119,461 $ 88,000
Centre, Pennsylvania 293 $ 67,199,000 $ 229,348 $ 94,000
Mahoning, Ohio 287 $ 23,415,000 $ 81,585 $ 74,000
Crawford, Pennsylvania 283 $ 19,367,000 $ 68,434 $ 61,000
Bedford, Pennsylvania 271 $ 17,454,000 $ 64,405 $ 61,000
Beaver, Pennsylvania 265 $ 19,924,000 $ 75,184 $ 74,000
Lawrence, Pennsylvania 257 $ 20,223,000 $ 78,688 $ 71,000
Lackawanna, Pennsylvania 218 $ 23,810,000 $ 109,220 $ 82,000
Huntingdon, Pennsylvania 206 $ 13,093,000 $ 63,558 $ 65,000
Baltimore, Maryland 172 $ 27,707,000 $ 161,087 $ 99,000
Trumbull, Ohio 170 $ 12,651,000 $ 74,417 $ 68,000
Venango, Pennsylvania 156 $ 7,975,000 $ 51,121 $ 58,000
Mifflin, Pennsylvania 155 $ 9,836,000 $ 63,458 $ 55,000
Jefferson, Ohio 154 $ 7,365,000 $ 47,824 $ 63,000
Luzerne, Pennsylvania 147 $ 10,877,000 $ 73,993 $ 90,000
Lycoming, Pennsylvania 127 $ 15,815,000 $ 124,527 $ 65,000
Summit, Ohio 124 $ 20,219,000 $ 163,056 $ 119,000
Geauga, Ohio 121 $ 22,110,000 $ 182,727 $ 118,000
Indiana, Pennsylvania 121 $ 8,430,000 $ 69,669 $ 66,000
Washington, Pennsylvania 121 $ 15,413,000 $ 127,380 $ 96,000
Brooke, West Virginia 119 $ 6,186,000 $ 51,983 $ 67,000
Anne Arundel, Maryland 118 $ 35,794,000 $ 303,338 $ 173,000
Greene, Pennsylvania 103 $ 4,622,000 $ 44,873 $ 60,000
Susquehanna, Pennsylvania 103 $ 9,363,000 $ 90,902 $ 84,000
Lake, Ohio 98 $ 13,681,000 $ 139,602 $ 101,000
Armstrong, Pennsylvania 91 $ 5,395,000 $ 59,285 $ 90,000
Northumberland, Pennsylvania 91 $ 5,003,000 $ 54,978 $ 55,000
Juniata, Pennsylvania 87 $ 7,640,000 $ 87,816 $ 64,000
Medina, Ohio 81 $ 18,857,000 $ 232,802 $ 113,000
Harford, Maryland 80 $ 13,349,000 $ 166,862 $ 104,000
Portage, Ohio 78 $ 9,725,000 $ 124,679 $ 111,000
Clinton, Pennsylvania 75 $ 6,798,000 $ 90,640 $ 53,000
Lorain, Ohio 62 $ 12,316,000 $ 198,645 $ 118,000
Snyder, Pennsylvania 61 $ 4,221,000 $ 69,196 $ 60,000
Union, Pennsylvania 48 $ 7,419,000 $ 154,562 $ 97,000
Wyoming, Pennsylvania 47 $ 5,256,000 $ 111,829 $ 87,000
Baltimore City, Maryland 43 $ 7,967,000 $ 185,279 $ 90,000
Belmont, Ohio 43 $ 3,209,000 $ 74,627 $ 68,000
Dauphin, Pennsylvania 42 $ 7,025,000 $ 167,261 $ 121,000
Clearfield, Pennsylvania 41 $ 3,214,000 $ 78,390 $ 69,000
Schuylkill, Pennsylvania 39 $ 1,963,000 $ 50,333 $ 63,000
Wayne, Pennsylvania 39 $ 4,143,000 $ 106,230 $ 127,000
Hancock, West Virginia 29 $ 2,088,000 $ 72,000 $ 76,000
Montgomery, Maryland 24 $ 8,713,000 $ 363,041 $ 139,000
York, Pennsylvania 21 $ 3,470,000 $ 165,238 $ 120,000
Queen Anne's, Maryland 20 $ 4,949,000 $ 247,450 $ 192,000
Cumberland, Pennsylvania 20 $ 6,965,000 $ 348,250 $ 210,000
Ohio, West Virginia 20 $ 1,320,000 $ 66,000 $ 83,000
Howard, Maryland 19 $ 8,034,000 $ 422,842 $ 176,000
Berks, Pennsylvania 19 $ 1,432,000 $ 75,368 $ 84,000
Warren, Pennsylvania 18 $ 790,000 $ 43,888 $ 66,000
Ashtabula, Ohio 17 $ 1,670,000 $ 98,235 $ 83,000
Chautauqua, New York 16 $ 1,032,000 $ 64,500 $ 47,000
Monroe, Pennsylvania 16 $ 1,624,000 $ 101,500 $ 397,000
Columbia, Pennsylvania 13 $ 1,439,000 $ 110,692 $ 56,000
Carroll, Maryland 11 $ 2,443,000 $ 222,090 $ 93,000
Lancaster, Pennsylvania 11 $ 1,836,000 $ 166,909 $ 184,000
Perry, Pennsylvania 11 $ 1,475,000 $ 134,090 $ 68,000
Garrett, Maryland 10 $ 2,408,000 $ 240,800 $ 170,000
Columbiana, Ohio 10 $ 487,000 $ 48,700 $ 53,000
Jefferson, Pennsylvania 10 $ 602,000 $ 60,200 $ 78,000
Franklin, Ohio 9 $ 1,701,000 $ 189,000 $ 102,000
Carbon, Pennsylvania 9 $ 474,000 $ 52,666 $ 56,000
Monongalia, West Virginia 9 $ 1,053,000 $ 117,000 $ 50,000
District of Columbia, District Of Columbia 8 $ 5,661,000 $ 707,625 $ 138,000
Collier, Florida 8 $ 3,351,000 $ 418,875 $ 584,000
Stark, Ohio 8 $ 5,548,000 $ 693,500 $ 93,000
Worcester, Maryland 7 $ 2,124,000 $ 303,428 $ 192,000
Clarion, Pennsylvania 7 $ 849,000 $ 121,285 $ 68,000
Forest, Pennsylvania 7 $ 528,000 $ 75,428 $ 48,000
Sussex, Delaware 6 $ 3,028,000 $ 504,666 $ 888,000
Prince George's, Maryland 6 $ 1,527,000 $ 254,500 $ 113,000
Lehigh, Pennsylvania 6 $ 1,453,000 $ 242,166 $ 163,000
Erie, Ohio 5 $ 463,000 $ 92,600 $ 190,000
Ottawa, Ohio 5 $ 512,000 $ 102,400 $ 70,000
Wayne, Ohio 5 $ 988,000 $ 197,600 $ 68,000
Montgomery, Pennsylvania 5 $ 1,135,000 $ 227,000 $ 385,000
Marshall, West Virginia 5 $ 464,000 $ 92,800 $ 66,000
Sarasota, Florida 4 $ 1,640,000 $ 410,000 $ 263,000
Cecil, Maryland 4 $ 649,000 $ 162,250 $ 273,000
Bucks, Pennsylvania 4 $ 1,063,000 $ 265,750 $ 104,000
Montour, Pennsylvania 4 $ 428,000 $ 107,000 $ 32,000
Preston, West Virginia 4 $ 429,000 $ 107,250 $ 40,000
Broward, Florida 3 $ 3,036,000 $ 1,012,000 $ 602,000
Monroe, Florida 3 $ 2,464,000 $ 821,333 $ 214,000
Caroline, Maryland 3 $ 482,000 $ 160,666 $ 96,000
Cape May, New Jersey 3 $ 2,580,000 $ 860,000 $ 249,000
Chester, Pennsylvania 3 $ 495,000 $ 165,000 $ 100,000
Elk, Pennsylvania 3 $ 143,000 $ 47,666 $ 52,000
Lebanon, Pennsylvania 3 $ 304,000 $ 101,333 $ 52,000
Northampton, Pennsylvania 3 $ 401,000 $ 133,666 $ 55,000
Philadelphia, Pennsylvania 3 $ 1,006,000 $ 335,333 $ 143,000
Fairfax, Virginia 3 $ 1,588,000 $ 529,333 $ 141,000
Palm Beach, Florida 2 $ 1,236,000 $ 618,000 $ 733,000
Talbot, Maryland 2 $ 15,000 $ 7,500 $ 36,000
Cattaraugus, New York 2 $ 558,000 $ 279,000 $ 352,000
Tioga, New York 2 $ 142,000 $ 71,000 $ 130,000
Iredell, North Carolina 2 $ 1,324,000 $ 662,000 $ 276,000
Delaware, Ohio 2 $ 14,000,000 $ 7,000,000 $ 0
Harrison, Ohio 2 $ 9,000 $ 4,500 $ 43,000
Bradford, Pennsylvania 2 $ 530,000 $ 265,000 $ 231,000
Franklin, Pennsylvania 2 $ 364,000 $ 182,000 $ 77,000
Tioga, Pennsylvania 2 $ 96,000 $ 48,000 $ 42,000
Greenville, South Carolina 2 $ 283,000 $ 141,500 $ 30,000
Horry, South Carolina 2 $ 155,000 $ 77,500 $ 87,000
Albemarle, Virginia 2 $ 846,000 $ 423,000 $ 287,000
Arlington, Virginia 2 $ 916,000 $ 458,000 $ 68,000
Loudoun, Virginia 2 $ 1,750,000 $ 875,000 $ 198,000
Flagler, Florida 1 $ 384,000 $ 384,000 $ 316,000
Lee, Florida 1 $ 284,000 $ 284,000 $ 370,000
Miami-Dade, Florida 1 $ 119,000 $ 119,000 $ 191,000
Pinellas, Florida 1 $ 45,000 $ 45,000 $ 88,000
Volusia, Florida 1 $ 4,000 $ 4,000 $ 22,000
Will, Illinois 1 $ 275,000 $ 275,000 $ 119,000
St. Joseph, Indiana 1 $ 45,000 $ 45,000 $ 329,000
Allegany, Maryland 1 $ 174,000 $ 174,000 $ 49,000
Calvert, Maryland 1 $ 38,000 $ 38,000 $ 89,000
Charles, Maryland 1 $ 90,000 $ 90,000 $ 84,000
Dorchester, Maryland 1 $ 44,000 $ 44,000 $ 131,000
Frederick, Maryland 1 $ 80,000 $ 80,000 $ 163,000
Kent, Maryland 1 $ 850,000 $ 850,000 $ 544,000
Somerset, Maryland 1 $ 112,000 $ 112,000 $ 68,000
Washington, Maryland 1 $ 327,000 $ 327,000 $ 169,000
Monmouth, New Jersey 1 $ 65,000 $ 65,000 $ 47,000
Oswego, New York 1 $ 33,000 $ 33,000 $ 29,000
Yates, New York 1 $ 280,000 $ 280,000 $ 627,000
Brunswick, North Carolina 1 $ 715,000 $ 715,000 $ 528,000
Cabarrus, North Carolina 1 $ 86,000 $ 86,000 $ 27,000
Currituck, North Carolina 1 $ 1,050,000 $ 1,050,000 $ 376,000
New Hanover, North Carolina 1 $ 458,000 $ 458,000 $ 276,000
Wake, North Carolina 1 $ 153,000 $ 153,000 $ 131,000
Athens, Ohio 1 $ 157,000 $ 157,000 $ 110,000
Crawford, Ohio 1 $ 62,000 $ 62,000 $ 51,000
Huron, Ohio 1 $ 140,000 $ 140,000 $ 80,000
Knox, Ohio 1 $ 420,000 $ 420,000 $ 304,000
Licking, Ohio 1 $ 3,000 $ 3,000 $ 29,000
Lucas, Ohio 1 $ 8,332,000 $ 8,332,000 $ 0
Richland, Ohio 1 $ 149,000 $ 149,000 $ 165,000
Tuscarawas, Ohio 1 $ 138,000 $ 138,000 $ 93,000
Warren, Ohio 1 $ 204,000 $ 204,000 $ 90,000
Wood, Ohio 1 $ 71,000 $ 71,000 $ 48,000
Cameron, Pennsylvania 1 $ 30,000 $ 30,000 $ 62,000
Pike, Pennsylvania 1 $ 485,000 $ 485,000 $ 463,000
Sullivan, Pennsylvania 1 $ 57,000 $ 57,000 $ 35,000
Charleston, South Carolina 1 $ 608,000 $ 608,000 $ 910,000
Clarendon, South Carolina 1 $ 52,000 $ 52,000 $ 101,000
Lexington, South Carolina 1 $ 1,050,000 $ 1,050,000 $ 249,000
Chesterfield, Virginia 1 $ 271,000 $ 271,000 $ 143,000
Mecklenburg, Virginia 1 $ 263,000 $ 263,000 $ 0
Prince William, Virginia 1 $ 237,000 $ 237,000 $ 148,000
Warren, Virginia 1 $ 290,000 $ 290,000 $ 144,000
Harrison, West Virginia 1 $ 105,000 $ 105,000 $ 0
Taylor, West Virginia 1 $ 66,000 $ 66,000 $ 79,000
Tyler, West Virginia 1 $ 55,000 $ 55,000 $ 73,000

Mortgage Loan Application Detail Totals for First National Bank of Pa in 2014

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 5,335 $602,327,000 $112,000 $10,000,000 $86,000 $5,304,000
Home Improvement 3,785 $149,470,000 $39,000 $1,405,000 $67,000 $2,879,000
Home Purchase 2,910 $510,743,000 $175,000 $21,850,000 $97,000 $3,566,000

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 10,952 $1,038,469,000 $94,000 $3,620,000 $83,000 $5,304,000
Not applicable 321 $123,776,000 $385,000 $21,850,000 $0 $0
Not Provided 283 $35,985,000 $127,000 $1,557,000 $122,000 $835,000
Black or African American 220 $15,818,000 $71,000 $830,000 $64,000 $920,000
Asian 121 $32,683,000 $270,000 $1,850,000 $164,000 $841,000
Hispanic 115 $12,658,000 $110,000 $1,400,000 $82,000 $910,000
Native Hawaiian or Other Pacific Islander 9 $2,043,000 $227,000 $456,000 $116,000 $235,000
American Indian or Alaskan Native 9 $1,108,000 $123,000 $325,000 $71,000 $182,000

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) 11,817 $1,236,618,000 $104,000 $21,850,000 $83,000 $5,304,000
FHA-insured (Federal Housing Administration) 162 $17,372,000 $107,000 $315,000 $61,000 $330,000
VA-guaranteed (Veterans Administration) 51 $8,550,000 $167,000 $417,000 $78,000 $211,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 7,995 $920,048,000 $115,000 $21,850,000 $88,000 $3,566,000
Application Denied By Financial Institution 3,258 $237,362,000 $72,000 $2,073,000 $64,000 $3,354,000
Application Withdrawn By Applicant 387 $55,760,000 $144,000 $1,657,000 $109,000 $5,304,000
Application Approved But Not Accepted 207 $25,090,000 $121,000 $1,557,000 $97,000 $894,000
File Closed For Incompleteness 183 $24,280,000 $132,000 $1,657,000 $102,000 $697,000
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 1,392 $66,515,000 $47,000 $540,000 $64,000 $3,354,000
Debt-To-Income Ratio 1,004 $83,568,000 $83,000 $1,400,000 $45,000 $407,000
Collateral 569 $54,392,000 $95,000 $2,073,000 $91,000 $1,606,000
Unverifiable Information 104 $8,354,000 $80,000 $417,000 $74,000 $431,000
Other 87 $9,022,000 $103,000 $1,200,000 $80,000 $748,000
Credit Application Incomplete 52 $9,386,000 $180,000 $749,000 $74,000 $228,000
Employment History 27 $1,767,000 $65,000 $323,000 $47,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 22 $4,262,000 $193,000 $1,260,000 $89,000 $486,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Pa's 2014 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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