First National Bank of Pa Mortgage Lending & HMDA Data, 2023

In 2023, First National Bank of Pa of Hermitage, PA reported 21,676 mortgage applications totaling $5.5 billion, down 13% from 2022. The average application was for $254,401, and applicants reported an average income of $175,656. 56% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Pittsburgh, PA (3,264), Baltimore-Columbia-Towson, MD (1,906) and Cleveland-Elyria, OH (1,165) (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 21,676
Total Mortgage Loan Application Amount $5,514,400,000
Average Mortgage Loan Application Amount $254,401
Highest Mortgage Loan Application Amount $31,805,000
Average Applicant Income $175,656
Highest Applicant Income $8,418,000

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records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Allegheny, Pennsylvania 1,727 $ 317,105,000 $ 183,616 $ 162,000
Wake, North Carolina 682 $ 246,890,000 $ 362,008 $ 216,000
Baltimore, Maryland 680 $ 144,870,000 $ 213,044 $ 188,000
Cuyahoga, Ohio 574 $ 132,200,000 $ 230,313 $ 165,000
Westmoreland, Pennsylvania 562 $ 64,140,000 $ 114,128 $ 112,000
Mecklenburg, North Carolina 404 $ 188,630,000 $ 466,905 $ 277,000
Harford, Maryland 402 $ 85,780,000 $ 213,383 $ 188,000
Dauphin, Pennsylvania 392 $ 73,470,000 $ 187,423 $ 144,000
Mercer, Pennsylvania 367 $ 32,575,000 $ 88,760 $ 80,000
Cambria, Pennsylvania 354 $ 25,890,000 $ 73,135 $ 86,000
Montgomery, Maryland 350 $ 172,740,000 $ 493,542 $ 258,000
Davidson, North Carolina 346 $ 51,570,000 $ 149,046 $ 102,000
Brunswick, North Carolina 344 $ 119,140,000 $ 346,337 $ 178,000
Butler, Pennsylvania 339 $ 68,355,000 $ 201,637 $ 184,000
Berks, Pennsylvania 328 $ 44,720,000 $ 136,341 $ 116,000
Anne Arundel, Maryland 324 $ 108,220,000 $ 334,012 $ 245,000
York, Pennsylvania 315 $ 54,235,000 $ 172,174 $ 136,000
Erie, Pennsylvania 313 $ 41,525,000 $ 132,667 $ 131,000
Cumberland, Pennsylvania 288 $ 86,370,000 $ 299,895 $ 230,000
Fairfax, Virginia 277 $ 194,105,000 $ 700,740 $ 308,000
Blair, Pennsylvania 249 $ 22,415,000 $ 90,020 $ 114,000
Lancaster, Pennsylvania 246 $ 55,770,000 $ 226,707 $ 158,000
Mahoning, Ohio 243 $ 26,925,000 $ 110,802 $ 119,000
Forsyth, North Carolina 242 $ 82,580,000 $ 341,239 $ 193,000
Lawrence, Pennsylvania 239 $ 22,185,000 $ 92,824 $ 123,000
Somerset, Pennsylvania 231 $ 21,735,000 $ 94,090 $ 100,000
Centre, Pennsylvania 230 $ 37,240,000 $ 161,913 $ 129,000
New Hanover, North Carolina 224 $ 79,130,000 $ 353,258 $ 206,000
Charleston, South Carolina 224 $ 101,330,000 $ 452,366 $ 232,000
Guilford, North Carolina 220 $ 53,890,000 $ 244,954 $ 153,000
Fayette, Pennsylvania 210 $ 18,430,000 $ 87,761 $ 88,000
Summit, Ohio 209 $ 36,465,000 $ 174,473 $ 134,000
Howard, Maryland 199 $ 76,305,000 $ 383,442 $ 246,000
Lake, Ohio 198 $ 32,090,000 $ 162,070 $ 141,000
Beaver, Pennsylvania 187 $ 21,745,000 $ 116,283 $ 109,000
Trumbull, Ohio 180 $ 18,700,000 $ 103,888 $ 93,000
Lorain, Ohio 177 $ 45,015,000 $ 254,322 $ 167,000
Baltimore City, Maryland 176 $ 42,010,000 $ 238,693 $ 183,000
Washington, Pennsylvania 175 $ 28,985,000 $ 165,628 $ 160,000
Iredell, North Carolina 172 $ 56,490,000 $ 328,430 $ 228,000
Lebanon, Pennsylvania 167 $ 35,295,000 $ 211,347 $ 131,000
Loudoun, Virginia 160 $ 105,070,000 $ 656,687 $ 242,000
Crawford, Pennsylvania 151 $ 18,485,000 $ 122,417 $ 97,000
District of Columbia, District Of Columbia 143 $ 75,005,000 $ 524,510 $ 269,000
Union, North Carolina 142 $ 49,230,000 $ 346,690 $ 188,000
Durham, North Carolina 137 $ 54,815,000 $ 400,109 $ 199,000
Prince George's, Maryland 132 $ 43,280,000 $ 327,878 $ 163,000
Rockingham, North Carolina 120 $ 14,240,000 $ 118,666 $ 93,000
Wilkes, North Carolina 118 $ 15,980,000 $ 135,423 $ 90,000
Lackawanna, Pennsylvania 115 $ 15,905,000 $ 138,304 $ 165,000
Luzerne, Pennsylvania 112 $ 13,540,000 $ 120,892 $ 128,000
Medina, Ohio 111 $ 23,745,000 $ 213,918 $ 213,000
Bedford, Pennsylvania 111 $ 9,145,000 $ 82,387 $ 93,000
Mifflin, Pennsylvania 109 $ 7,135,000 $ 65,458 $ 64,000
Geauga, Ohio 105 $ 22,145,000 $ 210,904 $ 180,000
Philadelphia, Pennsylvania 100 $ 38,950,000 $ 389,500 $ 249,000
Frederick, Maryland 99 $ 35,265,000 $ 356,212 $ 179,000
Craven, North Carolina 98 $ 12,830,000 $ 130,918 $ 127,000
Dare, North Carolina 98 $ 24,900,000 $ 254,081 $ 188,000
Johnston, North Carolina 95 $ 18,625,000 $ 196,052 $ 143,000
Henrico, Virginia 89 $ 38,725,000 $ 435,112 $ 200,000
Richmond City, Virginia 88 $ 31,810,000 $ 361,477 $ 177,000
Northumberland, Pennsylvania 86 $ 7,750,000 $ 90,116 $ 79,000
Moore, North Carolina 84 $ 22,880,000 $ 272,380 $ 158,000
Montgomery, Pennsylvania 83 $ 35,625,000 $ 429,216 $ 260,000
Prince William, Virginia 82 $ 29,570,000 $ 360,609 $ 217,000
Huntingdon, Pennsylvania 80 $ 9,780,000 $ 122,250 $ 105,000
Greenville, South Carolina 80 $ 30,210,000 $ 377,625 $ 227,000
Carroll, Maryland 79 $ 24,495,000 $ 310,063 $ 200,000
Monongalia, West Virginia 77 $ 23,405,000 $ 303,961 $ 157,000
Orange, North Carolina 76 $ 33,640,000 $ 442,631 $ 273,000
Indiana, Pennsylvania 75 $ 7,075,000 $ 94,333 $ 85,000
Portage, Ohio 70 $ 16,240,000 $ 232,000 $ 193,000
Delaware, Pennsylvania 68 $ 26,470,000 $ 389,264 $ 301,000
Alamance, North Carolina 67 $ 14,625,000 $ 218,283 $ 129,000
Watauga, North Carolina 67 $ 22,425,000 $ 334,701 $ 230,000
Snyder, Pennsylvania 67 $ 5,715,000 $ 85,298 $ 90,000
Armstrong, Pennsylvania 64 $ 5,720,000 $ 89,375 $ 86,000
Venango, Pennsylvania 64 $ 5,300,000 $ 82,812 $ 102,000
Pitt, North Carolina 63 $ 12,175,000 $ 193,253 $ 156,000
Horry, South Carolina 63 $ 23,725,000 $ 376,587 $ 300,000
York, South Carolina 63 $ 20,105,000 $ 319,126 $ 189,000
Chesterfield, Virginia 63 $ 23,275,000 $ 369,444 $ 196,000
Pender, North Carolina 59 $ 21,255,000 $ 360,254 $ 204,000
Ashe, North Carolina 57 $ 8,805,000 $ 154,473 $ 157,000
Yadkin, North Carolina 57 $ 7,585,000 $ 133,070 $ 114,000
Franklin, North Carolina 56 $ 12,570,000 $ 224,464 $ 157,000
Schuylkill, Pennsylvania 56 $ 6,650,000 $ 118,750 $ 99,000
Buncombe, North Carolina 55 $ 23,595,000 $ 429,000 $ 285,000
Cabarrus, North Carolina 54 $ 16,340,000 $ 302,592 $ 163,000
Chatham, North Carolina 54 $ 23,250,000 $ 430,555 $ 278,000
Clearfield, Pennsylvania 52 $ 6,910,000 $ 132,884 $ 94,000
Greene, Pennsylvania 52 $ 5,770,000 $ 110,961 $ 144,000
Berkeley, South Carolina 52 $ 26,370,000 $ 507,115 $ 208,000
Chester, Pennsylvania 51 $ 24,055,000 $ 471,666 $ 237,000
Randolph, North Carolina 50 $ 9,100,000 $ 182,000 $ 114,000
Cecil, Maryland 48 $ 7,640,000 $ 159,166 $ 139,000
Granville, North Carolina 47 $ 11,695,000 $ 248,829 $ 201,000
Franklin, Ohio 47 $ 13,075,000 $ 278,191 $ 130,000
Queen Anne's, Maryland 46 $ 12,260,000 $ 266,521 $ 214,000
Beaufort, North Carolina 46 $ 5,620,000 $ 122,173 $ 120,000
Lee, North Carolina 46 $ 10,110,000 $ 219,782 $ 132,000
Lycoming, Pennsylvania 46 $ 5,480,000 $ 119,130 $ 115,000
Onslow, North Carolina 44 $ 11,290,000 $ 256,590 $ 177,000
Arlington, Virginia 43 $ 28,275,000 $ 657,558 $ 485,000
Sussex, Delaware 42 $ 20,430,000 $ 486,428 $ 319,000
Jefferson, Ohio 42 $ 3,550,000 $ 84,523 $ 93,000
Brooke, West Virginia 42 $ 3,280,000 $ 78,095 $ 127,000
Rowan, North Carolina 41 $ 42,135,000 $ 1,027,682 $ 160,000
Susquehanna, Pennsylvania 41 $ 5,235,000 $ 127,682 $ 126,000
Stokes, North Carolina 40 $ 9,120,000 $ 228,000 $ 100,000
Alexandria, Virginia 40 $ 22,440,000 $ 561,000 $ 320,000
Gaston, North Carolina 39 $ 9,735,000 $ 249,615 $ 191,000
Clinton, Pennsylvania 39 $ 3,135,000 $ 80,384 $ 78,000
Carteret, North Carolina 38 $ 15,570,000 $ 409,736 $ 273,000
Surry, North Carolina 38 $ 7,490,000 $ 197,105 $ 125,000
Virginia Beach, Virginia 36 $ 13,960,000 $ 387,777 $ 239,000
Union, Pennsylvania 35 $ 6,535,000 $ 186,714 $ 225,000
New Castle, Delaware 34 $ 7,920,000 $ 232,941 $ 415,000
Wyoming, Pennsylvania 34 $ 3,630,000 $ 106,764 $ 122,000
Bucks, Pennsylvania 32 $ 12,140,000 $ 379,375 $ 211,000
Catawba, North Carolina 27 $ 10,365,000 $ 383,888 $ 219,000
Cumberland, North Carolina 27 $ 6,075,000 $ 225,000 $ 195,000
Lancaster, South Carolina 27 $ 8,825,000 $ 326,851 $ 201,000
Hanover, Virginia 26 $ 10,090,000 $ 388,076 $ 137,000
Lincoln, North Carolina 25 $ 7,025,000 $ 281,000 $ 165,000
Lenoir, North Carolina 24 $ 2,770,000 $ 115,416 $ 131,000
Juniata, Pennsylvania 23 $ 1,805,000 $ 78,478 $ 97,000
Calvert, Maryland 22 $ 4,840,000 $ 220,000 $ 142,000
Worcester, Maryland 22 $ 7,450,000 $ 338,636 $ 297,000
Davie, North Carolina 22 $ 7,400,000 $ 336,363 $ 207,000
Person, North Carolina 22 $ 4,210,000 $ 191,363 $ 154,000
Washington, Maryland 21 $ 5,095,000 $ 242,619 $ 244,000
Harnett, North Carolina 20 $ 3,940,000 $ 197,000 $ 170,000
Perquimans, North Carolina 20 $ 2,340,000 $ 117,000 $ 109,000
Ashtabula, Ohio 20 $ 4,070,000 $ 203,500 $ 140,000
Beaufort, South Carolina 20 $ 12,100,000 $ 605,000 $ 380,000
Hillsborough, Florida 19 $ 14,765,000 $ 777,105 $ 320,000
Stark, Ohio 19 $ 3,475,000 $ 182,894 $ 120,000
Lehigh, Pennsylvania 19 $ 5,625,000 $ 296,052 $ 177,000
Perry, Pennsylvania 19 $ 3,835,000 $ 201,842 $ 115,000
Chesapeake, Virginia 19 $ 5,475,000 $ 288,157 $ 126,000
Fairfax City, Virginia 19 $ 10,655,000 $ 560,789 $ 259,000
Vance, North Carolina 18 $ 2,770,000 $ 153,888 $ 151,000
Wayne, North Carolina 18 $ 1,790,000 $ 99,444 $ 112,000
Dorchester, South Carolina 18 $ 5,390,000 $ 299,444 $ 202,000
Broward, Florida 17 $ 12,635,000 $ 743,235 $ 398,000
Fulton, Georgia 17 $ 12,375,000 $ 727,941 $ 341,000
Avery, North Carolina 17 $ 6,125,000 $ 360,294 $ 549,000
Monroe, Pennsylvania 17 $ 3,745,000 $ 220,294 $ 101,000
Charles, Maryland 16 $ 3,740,000 $ 233,750 $ 137,000
Currituck, North Carolina 16 $ 6,980,000 $ 436,250 $ 315,000
Albemarle, Virginia 16 $ 7,940,000 $ 496,250 $ 443,000
Jefferson, Pennsylvania 15 $ 2,065,000 $ 137,666 $ 77,000
Cherokee, South Carolina 15 $ 1,545,000 $ 103,000 $ 113,000
Richland, South Carolina 15 $ 4,505,000 $ 300,333 $ 232,000
Harrison, West Virginia 15 $ 3,345,000 $ 223,000 $ 111,000
Lee, Florida 14 $ 6,880,000 $ 491,428 $ 285,000
Orange, Florida 14 $ 9,560,000 $ 682,857 $ 277,000
DeKalb, Georgia 14 $ 10,470,000 $ 747,857 $ 356,000
Talbot, Maryland 14 $ 5,960,000 $ 425,714 $ 291,000
Henderson, North Carolina 14 $ 4,480,000 $ 320,000 $ 178,000
Columbiana, Ohio 14 $ 2,110,000 $ 150,714 $ 164,000
Delaware, Ohio 14 $ 7,350,000 $ 525,000 $ 322,000
Montgomery, Ohio 14 $ 3,270,000 $ 233,571 $ 250,000
Northampton, Pennsylvania 14 $ 6,490,000 $ 463,571 $ 234,000
Spartanburg, South Carolina 14 $ 2,330,000 $ 166,428 $ 167,000
Louisa, Virginia 14 $ 8,160,000 $ 582,857 $ 514,000
Kent, Delaware 13 $ 4,675,000 $ 359,615 $ 194,000
Alachua, Florida 13 $ 4,765,000 $ 366,538 $ 183,000
Montour, Pennsylvania 13 $ 4,005,000 $ 308,076 $ 228,000
Wayne, Pennsylvania 13 $ 1,705,000 $ 131,153 $ 138,000
Davidson, Tennessee 13 $ 6,875,000 $ 528,846 $ 425,000
Marion, West Virginia 13 $ 2,765,000 $ 212,692 $ 97,000
Palm Beach, Florida 12 $ 12,120,000 $ 1,010,000 $ 417,000
Cobb, Georgia 12 $ 5,330,000 $ 444,166 $ 236,000
Gwinnett, Georgia 12 $ 5,030,000 $ 419,166 $ 238,000
Cape May, New Jersey 12 $ 10,240,000 $ 853,333 $ 1,054,000
Martin, North Carolina 12 $ 930,000 $ 77,500 $ 108,000
Hamilton, Ohio 12 $ 6,470,000 $ 539,166 $ 294,000
Adams, Pennsylvania 12 $ 3,410,000 $ 284,166 $ 144,000
Georgetown, South Carolina 12 $ 6,660,000 $ 555,000 $ 274,000
Lexington, South Carolina 12 $ 2,690,000 $ 224,166 $ 166,000
Shelby, Tennessee 12 $ 4,230,000 $ 352,500 $ 155,000
Falls Church, Virginia 12 $ 14,580,000 $ 1,215,000 $ 379,000
Norfolk, Virginia 12 $ 3,980,000 $ 331,666 $ 311,000
Portsmouth, Virginia 12 $ 2,660,000 $ 221,666 $ 172,000
Hancock, West Virginia 12 $ 880,000 $ 73,333 $ 80,000
Manatee, Florida 11 $ 9,655,000 $ 877,727 $ 894,000
Pinellas, Florida 11 $ 10,045,000 $ 913,181 $ 897,000
Sarasota, Florida 11 $ 8,415,000 $ 765,000 $ 614,000
Burlington, New Jersey 11 $ 3,425,000 $ 311,363 $ 450,000
Nash, North Carolina 11 $ 2,505,000 $ 227,727 $ 440,000
Aiken, South Carolina 11 $ 6,045,000 $ 549,545 $ 310,000
Frederick, Virginia 11 $ 3,225,000 $ 293,181 $ 139,000
Miami-Dade, Florida 10 $ 7,460,000 $ 746,000 $ 542,000
Haywood, North Carolina 10 $ 2,170,000 $ 217,000 $ 119,000
Pamlico, North Carolina 10 $ 1,590,000 $ 159,000 $ 90,000
Stanly, North Carolina 10 $ 2,210,000 $ 221,000 $ 135,000
Erie, Ohio 10 $ 1,730,000 $ 173,000 $ 59,000
Goochland, Virginia 10 $ 3,620,000 $ 362,000 $ 156,000
Spotsylvania, Virginia 10 $ 4,760,000 $ 476,000 $ 204,000
Caroline, Maryland 9 $ 1,385,000 $ 153,888 $ 138,000
Garrett, Maryland 9 $ 3,005,000 $ 333,888 $ 340,000
St. Mary's, Maryland 9 $ 2,315,000 $ 257,222 $ 94,000
Carbon, Pennsylvania 9 $ 3,175,000 $ 352,777 $ 178,000
Franklin, Pennsylvania 9 $ 3,735,000 $ 415,000 $ 221,000
Pickens, South Carolina 9 $ 3,935,000 $ 437,222 $ 183,000
Culpeper, Virginia 9 $ 2,225,000 $ 247,222 $ 116,000
Stafford, Virginia 9 $ 2,615,000 $ 290,555 $ 306,000
Suffolk, Virginia 9 $ 3,805,000 $ 422,777 $ 136,000
Duval, Florida 8 $ 4,740,000 $ 592,500 $ 312,000
Chatham, Georgia 8 $ 26,050,000 $ 3,256,250 $ 282,000
Gloucester, New Jersey 8 $ 2,100,000 $ 262,500 $ 176,000
Duplin, North Carolina 8 $ 1,040,000 $ 130,000 $ 101,000
Hyde, North Carolina 8 $ 2,300,000 $ 287,500 $ 274,000
Pasquotank, North Carolina 8 $ 1,590,000 $ 198,750 $ 58,000
Butler, Ohio 8 $ 2,640,000 $ 330,000 $ 105,000
Licking, Ohio 8 $ 1,340,000 $ 167,500 $ 79,000
Wayne, Ohio 8 $ 1,280,000 $ 160,000 $ 211,000
Clarion, Pennsylvania 8 $ 590,000 $ 73,750 $ 76,000
Anderson, South Carolina 8 $ 4,220,000 $ 527,500 $ 434,000
Oconee, South Carolina 8 $ 3,140,000 $ 392,500 $ 151,000
Fauquier, Virginia 8 $ 2,730,000 $ 341,250 $ 136,000
Isle of Wight, Virginia 8 $ 2,310,000 $ 288,750 $ 278,000
Newport News, Virginia 8 $ 2,100,000 $ 262,500 $ 151,000
Jefferson, West Virginia 8 $ 2,410,000 $ 301,250 $ 508,000
Leon, Florida 7 $ 1,705,000 $ 243,571 $ 54,000
Polk, Florida 7 $ 2,935,000 $ 419,285 $ 226,000
Volusia, Florida 7 $ 4,015,000 $ 573,571 $ 284,000
Ocean, New Jersey 7 $ 4,125,000 $ 589,285 $ 733,000
Anson, North Carolina 7 $ 875,000 $ 125,000 $ 109,000
Caldwell, North Carolina 7 $ 1,695,000 $ 242,142 $ 322,000
Washington, North Carolina 7 $ 755,000 $ 107,857 $ 200,000
Belmont, Ohio 7 $ 585,000 $ 83,571 $ 100,000
Columbia, Pennsylvania 7 $ 1,645,000 $ 235,000 $ 193,000
Henry, Virginia 7 $ 1,155,000 $ 165,000 $ 86,000
Berkeley, West Virginia 7 $ 1,625,000 $ 232,142 $ 62,000
Martin, Florida 6 $ 4,750,000 $ 791,666 $ 306,000
Columbia, Georgia 6 $ 2,460,000 $ 410,000 $ 303,000
Dorchester, Maryland 6 $ 1,590,000 $ 265,000 $ 2,200,000
Camden, New Jersey 6 $ 2,300,000 $ 383,333 $ 384,000
Mercer, New Jersey 6 $ 2,370,000 $ 395,000 $ 262,000
Caswell, North Carolina 6 $ 730,000 $ 121,666 $ 77,000
Cleveland, North Carolina 6 $ 2,310,000 $ 385,000 $ 618,000
Jones, North Carolina 6 $ 810,000 $ 135,000 $ 111,000
Montgomery, North Carolina 6 $ 2,610,000 $ 435,000 $ 243,000
Greene, Ohio 6 $ 1,360,000 $ 226,666 $ 193,000
Ottawa, Ohio 6 $ 3,630,000 $ 605,000 $ 565,000
Pike, Pennsylvania 6 $ 1,150,000 $ 191,666 $ 254,000
Hamilton, Tennessee 6 $ 3,570,000 $ 595,000 $ 302,000
Knox, Tennessee 6 $ 3,950,000 $ 658,333 $ 300,000
Augusta, Virginia 6 $ 1,770,000 $ 295,000 $ 283,000
Harrisonburg, Virginia 6 $ 1,480,000 $ 246,666 $ 0
Northumberland, Virginia 6 $ 2,670,000 $ 445,000 $ 225,000
Roanoke, Virginia 6 $ 1,940,000 $ 323,333 $ 248,000
York, Virginia 6 $ 2,960,000 $ 493,333 $ 428,000
Ohio, West Virginia 6 $ 520,000 $ 86,666 $ 93,000
Indian River, Florida 5 $ 2,265,000 $ 453,000 $ 219,000
Forsyth, Georgia 5 $ 3,155,000 $ 631,000 $ 271,000
Alexander, North Carolina 5 $ 795,000 $ 159,000 $ 68,000
Bladen, North Carolina 5 $ 1,445,000 $ 289,000 $ 111,000
Burke, North Carolina 5 $ 1,945,000 $ 389,000 $ 276,000
Edgecombe, North Carolina 5 $ 855,000 $ 171,000 $ 52,000
Jackson, North Carolina 5 $ 4,035,000 $ 807,000 $ 325,000
Sampson, North Carolina 5 $ 1,225,000 $ 245,000 $ 325,000
Warren, Pennsylvania 5 $ 545,000 $ 109,000 $ 64,000
Chesterfield, South Carolina 5 $ 575,000 $ 115,000 $ 51,000
Nelson, Virginia 5 $ 2,045,000 $ 409,000 $ 207,000
New Kent, Virginia 5 $ 1,555,000 $ 311,000 $ 89,000
Powhatan, Virginia 5 $ 2,495,000 $ 499,000 $ 168,000
Preston, West Virginia 5 $ 1,305,000 $ 261,000 $ 101,000
Putnam, West Virginia 5 $ 1,315,000 $ 263,000 $ 128,000
Taylor, West Virginia 5 $ 1,325,000 $ 265,000 $ 122,000
Brevard, Florida 4 $ 720,000 $ 180,000 $ 113,000
Collier, Florida 4 $ 1,460,000 $ 365,000 $ 897,000
Flagler, Florida 4 $ 990,000 $ 247,500 $ 0
Hernando, Florida 4 $ 1,540,000 $ 385,000 $ 189,000
Lake, Florida 4 $ 1,410,000 $ 352,500 $ 179,000
Pasco, Florida 4 $ 2,730,000 $ 682,500 $ 319,000
Seminole, Florida 4 $ 1,180,000 $ 295,000 $ 205,000
Walton, Florida 4 $ 3,860,000 $ 965,000 $ 471,000
Oconee, Georgia 4 $ 2,640,000 $ 660,000 $ 480,000
Kent, Maryland 4 $ 800,000 $ 200,000 $ 126,000
Morris, New Jersey 4 $ 2,510,000 $ 627,500 $ 284,000
Alleghany, North Carolina 4 $ 2,610,000 $ 652,500 $ 223,000
Greene, North Carolina 4 $ 870,000 $ 217,500 $ 55,000
Hoke, North Carolina 4 $ 740,000 $ 185,000 $ 114,000
McDowell, North Carolina 4 $ 2,370,000 $ 592,500 $ 265,000
Polk, North Carolina 4 $ 930,000 $ 232,500 $ 228,000
Rutherford, North Carolina 4 $ 1,110,000 $ 277,500 $ 344,000
Scotland, North Carolina 4 $ 1,270,000 $ 317,500 $ 110,000
Transylvania, North Carolina 4 $ 2,040,000 $ 510,000 $ 526,000
Tyrrell, North Carolina 4 $ 320,000 $ 80,000 $ 61,000
Wilson, North Carolina 4 $ 1,220,000 $ 305,000 $ 172,000
Ashland, Ohio 4 $ 680,000 $ 170,000 $ 110,000
Fairfield, Ohio 4 $ 1,150,000 $ 287,500 $ 93,000
Knox, Ohio 4 $ 1,120,000 $ 280,000 $ 174,000
Lucas, Ohio 4 $ 780,000 $ 195,000 $ 62,000
Union, Ohio 4 $ 1,300,000 $ 325,000 $ 144,000
Warren, Ohio 4 $ 1,410,000 $ 352,500 $ 323,000
Kershaw, South Carolina 4 $ 710,000 $ 177,500 $ 136,000
Rutherford, Tennessee 4 $ 2,840,000 $ 710,000 $ 386,000
Hampton, Virginia 4 $ 1,400,000 $ 350,000 $ 0
James City, Virginia 4 $ 1,330,000 $ 332,500 $ 327,000
King William, Virginia 4 $ 1,180,000 $ 295,000 $ 0
Lynchburg, Virginia 4 $ 1,890,000 $ 472,500 $ 287,000
Manassas, Virginia 4 $ 710,000 $ 177,500 $ 77,000
Orange, Virginia 4 $ 640,000 $ 160,000 $ 137,000
Prince George, Virginia 4 $ 1,230,000 $ 307,500 $ 0
Cabell, West Virginia 4 $ 1,370,000 $ 342,500 $ 172,000
Kanawha, West Virginia 4 $ 940,000 $ 235,000 $ 56,000
Morgan, West Virginia 4 $ 1,250,000 $ 312,500 $ 54,000
Charlotte, Florida 3 $ 2,225,000 $ 741,666 $ 331,000
Escambia, Florida 3 $ 2,195,000 $ 731,666 $ 467,000
Marion, Florida 3 $ 1,095,000 $ 365,000 $ 141,000
St. Johns, Florida 3 $ 1,925,000 $ 641,666 $ 295,000
Cherokee, Georgia 3 $ 895,000 $ 298,333 $ 393,000
Wicomico, Maryland 3 $ 795,000 $ 265,000 $ 84,000
Somerset, New Jersey 3 $ 3,155,000 $ 1,051,666 $ 289,000
Chautauqua, New York 3 $ 675,000 $ 225,000 $ 301,000
Orange, New York 3 $ 1,455,000 $ 485,000 $ 565,000
Camden, North Carolina 3 $ 415,000 $ 138,333 $ 86,000
Halifax, North Carolina 3 $ 345,000 $ 115,000 $ 209,000
Richmond, North Carolina 3 $ 385,000 $ 128,333 $ 60,000
Warren, North Carolina 3 $ 335,000 $ 111,666 $ 113,000
Marion, Ohio 3 $ 245,000 $ 81,666 $ 29,000
Miami, Ohio 3 $ 575,000 $ 191,666 $ 97,000
Elk, Pennsylvania 3 $ 235,000 $ 78,333 $ 45,000
Edgefield, South Carolina 3 $ 1,045,000 $ 348,333 $ 213,000
Accomack, Virginia 3 $ 735,000 $ 245,000 $ 0
Bedford, Virginia 3 $ 2,855,000 $ 951,666 $ 1,852,000
Fredericksburg, Virginia 3 $ 1,415,000 $ 471,666 $ 91,000
Lancaster, Virginia 3 $ 775,000 $ 258,333 $ 119,000
Northampton, Virginia 3 $ 1,195,000 $ 398,333 $ 0
Richmond, Virginia 3 $ 415,000 $ 138,333 $ 0
Rockingham, Virginia 3 $ 805,000 $ 268,333 $ 0
Shenandoah, Virginia 3 $ 835,000 $ 278,333 $ 88,000
Warren, Virginia 3 $ 1,515,000 $ 505,000 $ 230,000
Jackson, West Virginia 3 $ 415,000 $ 138,333 $ 8,000
Bay, Florida 2 $ 1,530,000 $ 765,000 $ 173,000
Osceola, Florida 2 $ 830,000 $ 415,000 $ 134,000
Sumter, Florida 2 $ 460,000 $ 230,000 $ 410,000
Bibb, Georgia 2 $ 370,000 $ 185,000 $ 0
Coweta, Georgia 2 $ 670,000 $ 335,000 $ 114,000
Fannin, Georgia 2 $ 1,380,000 $ 690,000 $ 270,000
Fayette, Georgia 2 $ 1,200,000 $ 600,000 $ 273,000
Glynn, Georgia 2 $ 940,000 $ 470,000 $ 550,000
Laurens, Georgia 2 $ 500,000 $ 250,000 $ 260,000
Muscogee, Georgia 2 $ 640,000 $ 320,000 $ 105,000
Walton, Georgia 2 $ 1,060,000 $ 530,000 $ 184,000
Marion, Indiana 2 $ 510,000 $ 255,000 $ 98,000
Morgan, Indiana 2 $ 450,000 $ 225,000 $ 146,000
Fayette, Kentucky 2 $ 700,000 $ 350,000 $ 154,000
Allegany, Maryland 2 $ 410,000 $ 205,000 $ 115,000
Monmouth, New Jersey 2 $ 2,260,000 $ 1,130,000 $ 2,078,000
Bertie, North Carolina 2 $ 210,000 $ 105,000 $ 309,000
Columbus, North Carolina 2 $ 720,000 $ 360,000 $ 105,000
Madison, North Carolina 2 $ 1,650,000 $ 825,000 $ 181,000
Mitchell, North Carolina 2 $ 740,000 $ 370,000 $ 219,000
Robeson, North Carolina 2 $ 280,000 $ 140,000 $ 40,000
Carroll, Ohio 2 $ 200,000 $ 100,000 $ 71,000
Coshocton, Ohio 2 $ 210,000 $ 105,000 $ 94,000
Huron, Ohio 2 $ 220,000 $ 110,000 $ 94,000
Madison, Ohio 2 $ 300,000 $ 150,000 $ 52,000
Muskingum, Ohio 2 $ 430,000 $ 215,000 $ 69,000
Richland, Ohio 2 $ 330,000 $ 165,000 $ 48,000
Sandusky, Ohio 2 $ 300,000 $ 150,000 $ 0
Williams, Ohio 2 $ 310,000 $ 155,000 $ 0
Wood, Ohio 2 $ 860,000 $ 430,000 $ 235,000
Bradford, Pennsylvania 2 $ 120,000 $ 60,000 $ 101,000
Forest, Pennsylvania 2 $ 190,000 $ 95,000 $ 89,000
Tioga, Pennsylvania 2 $ 220,000 $ 110,000 $ 120,000
Clarendon, South Carolina 2 $ 360,000 $ 180,000 $ 75,000
Florence, South Carolina 2 $ 640,000 $ 320,000 $ 412,000
Jasper, South Carolina 2 $ 400,000 $ 200,000 $ 82,000
Sumter, South Carolina 2 $ 560,000 $ 280,000 $ 109,000
Montgomery, Tennessee 2 $ 740,000 $ 370,000 $ 180,000
Washington, Tennessee 2 $ 400,000 $ 200,000 $ 55,000
Botetourt, Virginia 2 $ 790,000 $ 395,000 $ 585,000
Brunswick, Virginia 2 $ 590,000 $ 295,000 $ 254,000
Carroll, Virginia 2 $ 310,000 $ 155,000 $ 79,000
Charlottesville, Virginia 2 $ 520,000 $ 260,000 $ 48,000
Cumberland, Virginia 2 $ 290,000 $ 145,000 $ 128,000
Essex, Virginia 2 $ 1,050,000 $ 525,000 $ 447,000
Fluvanna, Virginia 2 $ 540,000 $ 270,000 $ 0
Franklin, Virginia 2 $ 680,000 $ 340,000 $ 868,000
Gloucester, Virginia 2 $ 520,000 $ 260,000 $ 0
Halifax, Virginia 2 $ 340,000 $ 170,000 $ 82,000
Hopewell, Virginia 2 $ 350,000 $ 175,000 $ 0
Manassas Park, Virginia 2 $ 560,000 $ 280,000 $ 301,000
Martinsville, Virginia 2 $ 500,000 $ 250,000 $ 130,000
Middlesex, Virginia 2 $ 460,000 $ 230,000 $ 51,000
Montgomery, Virginia 2 $ 1,040,000 $ 520,000 $ 0
Roanoke City, Virginia 2 $ 910,000 $ 455,000 $ 417,000
Staunton, Virginia 2 $ 650,000 $ 325,000 $ 0
Tazewell, Virginia 2 $ 180,000 $ 90,000 $ 0
Westmoreland, Virginia 2 $ 600,000 $ 300,000 $ 0
Williamsburg, Virginia 2 $ 420,000 $ 210,000 $ 0
Hampshire, West Virginia 2 $ 280,000 $ 140,000 $ 46,000
Hardy, West Virginia 2 $ 210,000 $ 105,000 $ 89,000
Lewis, West Virginia 2 $ 400,000 $ 200,000 $ 145,000
Tucker, West Virginia 2 $ 330,000 $ 165,000 $ 140,000
Wood, West Virginia 2 $ 960,000 $ 480,000 $ 278,000
Citrus, Florida 1 $ 575,000 $ 575,000 $ 104,000
Clay, Florida 1 $ 395,000 $ 395,000 $ 90,000
Franklin, Florida 1 $ 435,000 $ 435,000 $ 0
Highlands, Florida 1 $ 775,000 $ 775,000 $ 410,000
Nassau, Florida 1 $ 295,000 $ 295,000 $ 94,000
Okaloosa, Florida 1 $ 455,000 $ 455,000 $ 358,000
Santa Rosa, Florida 1 $ 385,000 $ 385,000 $ 836,000
Union, Florida 1 $ 555,000 $ 555,000 $ 140,000
Baldwin, Georgia 1 $ 355,000 $ 355,000 $ 180,000
Clarke, Georgia 1 $ 365,000 $ 365,000 $ 130,000
Dawson, Georgia 1 $ 155,000 $ 155,000 $ 38,000
Hall, Georgia 1 $ 275,000 $ 275,000 $ 0
Henry, Georgia 1 $ 195,000 $ 195,000 $ 94,000
Houston, Georgia 1 $ 645,000 $ 645,000 $ 348,000
Lowndes, Georgia 1 $ 335,000 $ 335,000 $ 325,000
Oglethorpe, Georgia 1 $ 465,000 $ 465,000 $ 130,000
Paulding, Georgia 1 $ 275,000 $ 275,000 $ 0
Putnam, Georgia 1 $ 275,000 $ 275,000 $ 301,000
Richmond, Georgia 1 $ 235,000 $ 235,000 $ 58,000
Thomas, Georgia 1 $ 755,000 $ 755,000 $ 600,000
Troup, Georgia 1 $ 515,000 $ 515,000 $ 410,000
White, Georgia 1 $ 365,000 $ 365,000 $ 0
Lake, Indiana 1 $ 345,000 $ 345,000 $ 0
Boone, Kentucky 1 $ 345,000 $ 345,000 $ 180,000
Campbell, Kentucky 1 $ 95,000 $ 95,000 $ 0
Greenup, Kentucky 1 $ 185,000 $ 185,000 $ 0
Kenton, Kentucky 1 $ 295,000 $ 295,000 $ 458,000
Taylor, Kentucky 1 $ 195,000 $ 195,000 $ 0
Somerset, Maryland 1 $ 115,000 $ 115,000 $ 118,000
Middlesex, Massachusetts 1 $ 355,000 $ 355,000 $ 135,000
St. Charles, Missouri 1 $ 295,000 $ 295,000 $ 421,000
Atlantic, New Jersey 1 $ 485,000 $ 485,000 $ 0
Hudson, New Jersey 1 $ 325,000 $ 325,000 $ 0
Hunterdon, New Jersey 1 $ 555,000 $ 555,000 $ 415,000
Middlesex, New Jersey 1 $ 185,000 $ 185,000 $ 0
Salem, New Jersey 1 $ 205,000 $ 205,000 $ 64,000
Erie, New York 1 $ 255,000 $ 255,000 $ 151,000
Monroe, New York 1 $ 265,000 $ 265,000 $ 225,000
Niagara, New York 1 $ 465,000 $ 465,000 $ 646,000
Onondaga, New York 1 $ 275,000 $ 275,000 $ 66,000
Rockland, New York 1 $ 235,000 $ 235,000 $ 280,000
Steuben, New York 1 $ 25,000 $ 25,000 $ 85,000
Westchester, New York 1 $ 1,395,000 $ 1,395,000 $ 567,000
Chowan, North Carolina 1 $ 1,255,000 $ 1,255,000 $ 465,000
Gates, North Carolina 1 $ 155,000 $ 155,000 $ 0
Northampton, North Carolina 1 $ 75,000 $ 75,000 $ 59,000
Swain, North Carolina 1 $ 365,000 $ 365,000 $ 124,000
Yancey, North Carolina 1 $ 155,000 $ 155,000 $ 180,000
Adams, Ohio 1 $ 155,000 $ 155,000 $ 47,000
Allen, Ohio 1 $ 205,000 $ 205,000 $ 144,000
Athens, Ohio 1 $ 405,000 $ 405,000 $ 92,000
Champaign, Ohio 1 $ 365,000 $ 365,000 $ 0
Clark, Ohio 1 $ 85,000 $ 85,000 $ 0
Clermont, Ohio 1 $ 175,000 $ 175,000 $ 73,000
Defiance, Ohio 1 $ 175,000 $ 175,000 $ 0
Fayette, Ohio 1 $ 125,000 $ 125,000 $ 0
Fulton, Ohio 1 $ 135,000 $ 135,000 $ 0
Harrison, Ohio 1 $ 15,000 $ 15,000 $ 106,000
Henry, Ohio 1 $ 155,000 $ 155,000 $ 37,000
Morrow, Ohio 1 $ 195,000 $ 195,000 $ 56,000
Noble, Ohio 1 $ 95,000 $ 95,000 $ 0
Pickaway, Ohio 1 $ 335,000 $ 335,000 $ 107,000
Scioto, Ohio 1 $ 435,000 $ 435,000 $ 429,000
Vinton, Ohio 1 $ 325,000 $ 325,000 $ 188,000
Washington, Ohio 1 $ 305,000 $ 305,000 $ 404,000
Fulton, Pennsylvania 1 $ 25,000 $ 25,000 $ 125,000
Sullivan, Pennsylvania 1 $ 375,000 $ 375,000 $ 583,000
Chester, South Carolina 1 $ 45,000 $ 45,000 $ 70,000
Colleton, South Carolina 1 $ 545,000 $ 545,000 $ 335,000
Fairfield, South Carolina 1 $ 55,000 $ 55,000 $ 113,000
Greenwood, South Carolina 1 $ 295,000 $ 295,000 $ 0
Marlboro, South Carolina 1 $ 545,000 $ 545,000 $ 0
Orangeburg, South Carolina 1 $ 625,000 $ 625,000 $ 0
Saluda, South Carolina 1 $ 55,000 $ 55,000 $ 237,000
Union, South Carolina 1 $ 265,000 $ 265,000 $ 0
Humphreys, Tennessee 1 $ 5,000 $ 5,000 $ 296,000
Johnson, Tennessee 1 $ 155,000 $ 155,000 $ 106,000
Madison, Tennessee 1 $ 305,000 $ 305,000 $ 500,000
Pickett, Tennessee 1 $ 275,000 $ 275,000 $ 173,000
Putnam, Tennessee 1 $ 675,000 $ 675,000 $ 200,000
Robertson, Tennessee 1 $ 645,000 $ 645,000 $ 185,000
Sullivan, Tennessee 1 $ 45,000 $ 45,000 $ 12,000
Williamson, Tennessee 1 $ 715,000 $ 715,000 $ 469,000
Wilson, Tennessee 1 $ 585,000 $ 585,000 $ 204,000
Amelia, Virginia 1 $ 515,000 $ 515,000 $ 0
Amherst, Virginia 1 $ 565,000 $ 565,000 $ 274,000
Appomattox, Virginia 1 $ 555,000 $ 555,000 $ 227,000
Buckingham, Virginia 1 $ 155,000 $ 155,000 $ 0
Caroline, Virginia 1 $ 95,000 $ 95,000 $ 0
Charles City, Virginia 1 $ 35,000 $ 35,000 $ 75,000
Charlotte, Virginia 1 $ 195,000 $ 195,000 $ 47,000
Colonial Heights, Virginia 1 $ 185,000 $ 185,000 $ 174,000
Dinwiddie, Virginia 1 $ 185,000 $ 185,000 $ 0
Franklin City, Virginia 1 $ 95,000 $ 95,000 $ 0
Grayson, Virginia 1 $ 105,000 $ 105,000 $ 88,000
King and Queen, Virginia 1 $ 205,000 $ 205,000 $ 0
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Mortgage Loan Application Detail Totals for First National Bank of Pa in 2023

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
Home Purchase 8,429 $3,674,575,000 $435,000 $31,805,000 $209,000 $6,941,000
Home Improvement 6,142 $701,080,000 $114,000 $2,005,000 $148,000 $4,614,000
Refinancing 4,086 $738,420,000 $180,000 $2,345,000 $161,000 $4,809,000
Other Purpose 2,767 $331,745,000 $119,000 $1,755,000 $157,000 $8,418,000
Cash-out Refinancing 247 $68,025,000 $275,000 $1,455,000 $174,000 $1,193,000
Not Applicable 5 $555,000 $111,000 $135,000 $322,000 $1,306,000

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 14,524 $3,266,730,000 $224,000 $4,905,000 $169,000 $8,418,000
Not applicable 2,404 $759,420,000 $315,000 $31,805,000 $0 $0
Not Provided 1,933 $520,365,000 $269,000 $3,155,000 $190,000 $3,497,000
Asian 948 $386,330,000 $407,000 $2,685,000 $216,000 $1,695,000
Black or African American 911 $223,105,000 $244,000 $2,475,000 $145,000 $2,222,000
Hispanic 618 $153,890,000 $249,000 $2,385,000 $144,000 $2,320,000
American Indian or Alaskan Native 36 $17,190,000 $477,000 $1,985,000 $156,000 $515,000
Native Hawaiian or Other Pacific Islander 17 $3,445,000 $202,000 $755,000 $234,000 $1,213,000

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) 21,439 $5,446,995,000 $254,000 $31,805,000 $174,000 $8,418,000
FHA-insured (Federal Housing Administration) 131 $32,755,000 $250,000 $585,000 $101,000 $613,000
VA-guaranteed (Veterans Administration) 66 $27,340,000 $414,000 $925,000 $144,000 $393,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 40 $7,310,000 $182,000 $385,000 $69,000 $103,000

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 12,166 $3,409,870,000 $280,000 $31,805,000 $192,000 $8,418,000
Application Denied By Financial Institution 5,463 $947,495,000 $173,000 $4,905,000 $124,000 $3,692,000
Loan Purchased By The Institution 1,873 $531,725,000 $283,000 $835,000 $6,000 $62,000
Application Withdrawn By Applicant 1,157 $418,765,000 $361,000 $2,685,000 $190,000 $2,372,000
File Closed For Incompleteness 905 $181,935,000 $201,000 $3,005,000 $198,000 $4,392,000
Application Approved But Not Accepted 112 $24,610,000 $219,000 $1,625,000 $159,000 $1,234,000
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
Not applicable 16,213 $4,566,905,000 $281,000 $31,805,000 $192,000 $8,418,000
Credit History 2,261 $229,435,000 $101,000 $1,315,000 $114,000 $3,252,000
Debt-To-Income Ratio 1,553 $305,715,000 $196,000 $2,005,000 $78,000 $612,000
Collateral 1,153 $206,625,000 $179,000 $2,005,000 $164,000 $3,692,000
Other 358 $142,530,000 $398,000 $4,905,000 $232,000 $3,380,000
Employment History 52 $22,590,000 $434,000 $3,005,000 $134,000 $847,000
Insufficient Cash (Downpayment, Closing Cost) 37 $24,315,000 $657,000 $2,475,000 $221,000 $910,000
Unverifiable Information 31 $13,035,000 $420,000 $2,385,000 $228,000 $1,613,000
Credit Application Incomplete 17 $2,605,000 $153,000 $485,000 $157,000 $850,000
Mortgage Insurance Denied 1 $645,000 $645,000 $645,000 $128,000 $128,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Pa's 2023 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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