First National Bank of Pa Mortgage Lending & HMDA Data, 2022
In 2022, First National Bank of Pa of Hermitage, PA reported 24,881 mortgage applications totaling $6.3 billion, down 13% from 2021. The average application was for $252,508, and applicants reported an average income of $167,290. 61% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Pittsburgh, PA (3,921), Baltimore-Columbia-Towson, MD (1,997) and Cleveland-Elyria, OH (1,385) (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 | 24,881 |
| Total Mortgage Loan Application Amount | $6,282,655,000 |
| Average Mortgage Loan Application Amount | $252,508 |
| Highest Mortgage Loan Application Amount | $52,055,000 |
| Average Applicant Income | $167,290 |
| Highest Applicant Income | $9,618,000 |
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records First National Bank of Pa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,921 | $ 648,885,000 | $ 165,489 | $ 146,000 |
| Outside any metro area | 3,449 | $ 564,945,000 | $ 163,799 | $ 127,552 |
| Baltimore-Columbia-Towson, MD | 1,997 | $ 543,045,000 | $ 271,930 | $ 196,000 |
| Cleveland-Elyria, OH | 1,385 | $ 314,545,000 | $ 227,108 | $ 168,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,098 | $ 391,970,000 | $ 356,985 | $ 210,710 |
| Youngstown-Warren-Boardman, OH-PA | 993 | $ 118,385,000 | $ 119,219 | $ 106,084 |
| Raleigh, NC | 986 | $ 361,180,000 | $ 366,308 | $ 229,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 985 | $ 429,465,000 | $ 436,005 | $ 240,210 |
| Winston-Salem, NC | 819 | $ 231,185,000 | $ 282,277 | $ 116,000 |
| Harrisburg-Carlisle, PA | 805 | $ 203,775,000 | $ 253,136 | $ 160,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 474 | $ 182,030,000 | $ 384,029 | $ 172,848 |
| Greensboro-High Point, NC | 472 | $ 94,080,000 | $ 199,322 | $ 139,000 |
| Washington-Baltimore-Arlington, DC | 457 | $ 175,705,000 | $ 384,474 | $ 208,000 |
| Johnstown, PA | 454 | $ 44,700,000 | $ 98,458 | $ 89,000 |
| Altoona, PA | 383 | $ 46,725,000 | $ 121,997 | $ 111,000 |
| Akron, OH | 376 | $ 74,730,000 | $ 198,750 | $ 211,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 371 | $ 59,995,000 | $ 161,711 | $ 157,000 |
| State College, PA | 371 | $ 65,785,000 | $ 177,318 | $ 117,000 |
| York-Hanover, PA | 367 | $ 65,245,000 | $ 177,779 | $ 116,000 |
| Wilmington, NC | 356 | $ 115,370,000 | $ 324,073 | $ 230,000 |
| Reading, PA | 353 | $ 58,815,000 | $ 166,614 | $ 154,000 |
| Charleston-North Charleston, SC | 350 | $ 238,300,000 | $ 680,857 | $ 266,000 |
| Erie, PA | 349 | $ 51,755,000 | $ 148,295 | $ 137,000 |
| Durham-Chapel Hill, NC | 340 | $ 137,240,000 | $ 403,647 | $ 217,000 |
| Lancaster, PA | 262 | $ 55,980,000 | $ 213,664 | $ 160,000 |
| Richmond, VA | 198 | $ 71,230,000 | $ 359,747 | $ 241,000 |
| Montgomery County-Bucks County-Chester County, PA | 179 | $ 82,025,000 | $ 458,240 | $ 244,000 |
| Weirton-Steubenville, WV-OH | 176 | $ 16,110,000 | $ 91,534 | $ 85,181 |
| Philadelphia, PA | 156 | $ 71,460,000 | $ 458,076 | $ 263,000 |
| Lebanon, PA | 141 | $ 22,375,000 | $ 158,687 | $ 115,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 118 | $ 40,910,000 | $ 346,694 | $ 196,347 |
| Salisbury, MD-DE | 115 | $ 45,955,000 | $ 399,608 | $ 266,017 |
| Wilmington, DE-MD-NJ | 114 | $ 23,290,000 | $ 204,298 | $ 177,026 |
| Atlanta-Sandy Springs-Roswell, GA | 94 | $ 62,150,000 | $ 661,170 | $ 291,000 |
| Williamsport, PA | 76 | $ 11,380,000 | $ 149,736 | $ 146,000 |
| Asheville, NC | 74 | $ 28,560,000 | $ 385,945 | $ 235,000 |
| Greenville, NC | 71 | $ 13,045,000 | $ 183,732 | $ 110,000 |
| Burlington, NC | 60 | $ 13,200,000 | $ 220,000 | $ 111,000 |
| Hickory-Lenoir-Morganton, NC | 60 | $ 18,340,000 | $ 305,666 | $ 166,000 |
| Fayetteville, NC | 58 | $ 14,610,000 | $ 251,896 | $ 162,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 54 | $ 14,600,000 | $ 270,370 | $ 134,000 |
| Columbus, OH | 46 | $ 13,220,000 | $ 287,391 | $ 196,000 |
| Greenville-Anderson-Mauldin, SC | 38 | $ 14,860,000 | $ 391,052 | $ 300,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 38 | $ 23,060,000 | $ 606,842 | $ 407,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 18,900,000 | $ 497,368 | $ 232,000 |
| Hagerstown-Martinsburg, MD-WV | 36 | $ 10,860,000 | $ 301,666 | $ 208,666 |
| Charlottesville, VA | 33 | $ 11,585,000 | $ 351,060 | $ 284,000 |
| East Stroudsburg, PA | 33 | $ 6,395,000 | $ 193,787 | $ 141,000 |
| Jacksonville, NC | 32 | $ 10,090,000 | $ 315,312 | $ 212,000 |
| Columbia, SC | 29 | $ 11,695,000 | $ 403,275 | $ 235,000 |
| Camden, NJ | 26 | $ 8,640,000 | $ 332,307 | $ 194,000 |
| Gettysburg, PA | 26 | $ 6,070,000 | $ 233,461 | $ 133,000 |
| Bloomsburg-Berwick, PA | 21 | $ 5,625,000 | $ 267,857 | $ 188,000 |
| Cape Coral-Fort Myers, FL | 20 | $ 7,730,000 | $ 386,500 | $ 386,000 |
| Dover, DE | 20 | $ 4,860,000 | $ 243,000 | $ 116,000 |
| Jacksonville, FL | 20 | $ 10,740,000 | $ 537,000 | $ 364,000 |
| Canton-Massillon, OH | 19 | $ 3,655,000 | $ 192,368 | $ 136,000 |
| Morgantown, WV | 19 | $ 5,855,000 | $ 308,157 | $ 220,000 |
| Orlando-Kissimmee-Sanford, FL | 19 | $ 8,795,000 | $ 462,894 | $ 275,000 |
| Wheeling, WV-OH | 19 | $ 1,715,000 | $ 90,263 | $ 107,631 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 16,440,000 | $ 913,333 | $ 1,614,000 |
| Chambersburg-Waynesboro, PA | 17 | $ 3,895,000 | $ 229,117 | $ 92,000 |
| Winchester, VA-WV | 17 | $ 6,395,000 | $ 376,176 | $ 333,882 |
| Charleston, WV | 16 | $ 3,980,000 | $ 248,750 | $ 384,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 16 | $ 12,760,000 | $ 797,500 | $ 755,000 |
| Miami-Miami Beach-Kendall, FL | 16 | $ 13,240,000 | $ 827,500 | $ 701,000 |
| Roanoke, VA | 16 | $ 6,760,000 | $ 422,500 | $ 254,000 |
| California-Lexington Park, MD | 15 | $ 3,865,000 | $ 257,666 | $ 105,000 |
| Cincinnati, OH-KY-IN | 14 | $ 4,700,000 | $ 335,714 | $ 319,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 8,400,000 | $ 600,000 | $ 176,000 |
| North Port-Sarasota-Bradenton, FL | 14 | $ 9,380,000 | $ 670,000 | $ 353,000 |
| Toledo, OH | 12 | $ 23,150,000 | $ 1,929,166 | $ 232,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 5,565,000 | $ 505,909 | $ 287,181 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 2,335,000 | $ 212,272 | $ 201,000 |
| New Bern, NC | 11 | $ 36,025,000 | $ 3,275,000 | $ 146,000 |
| Newark, NJ-PA | 11 | $ 3,475,000 | $ 315,909 | $ 311,272 |
| Naples-Immokalee-Marco Island, FL | 10 | $ 7,860,000 | $ 786,000 | $ 602,000 |
| Rocky Mount, NC | 10 | $ 3,120,000 | $ 312,000 | $ 149,000 |
| New York-Newark, NY | 9 | $ 6,435,000 | $ 715,000 | $ 622,000 |
| Staunton-Waynesboro, VA | 9 | $ 3,295,000 | $ 366,111 | $ 168,000 |
| Chattanooga, TN-GA | 8 | $ 3,580,000 | $ 447,500 | $ 174,875 |
| Lynchburg, VA | 8 | $ 2,330,000 | $ 291,250 | $ 159,000 |
| Savannah, GA | 8 | $ 40,460,000 | $ 5,057,500 | $ 234,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,215,000 | $ 316,428 | $ 154,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,740,000 | $ 290,000 | $ 120,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 1,400,000 | $ 233,333 | $ 110,000 |
| Cumberland, MD-WV | 6 | $ 830,000 | $ 138,333 | $ 86,000 |
| Harrisonburg, VA | 6 | $ 1,970,000 | $ 328,333 | $ 0 |
| Memphis, TN-MS-AR | 6 | $ 3,040,000 | $ 506,666 | $ 282,000 |
| Ocean City, NJ | 6 | $ 1,690,000 | $ 281,666 | $ 245,000 |
| Spartanburg, SC | 6 | $ 1,770,000 | $ 295,000 | $ 150,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 895,000 | $ 179,000 | $ 209,000 |
| Parkersburg-Vienna, WV | 5 | $ 1,385,000 | $ 277,000 | $ 248,000 |
| Punta Gorda, FL | 5 | $ 3,215,000 | $ 643,000 | $ 102,000 |
| Sumter, SC | 5 | $ 945,000 | $ 189,000 | $ 76,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,670,000 | $ 417,500 | $ 128,000 |
| Panama City, FL | 4 | $ 1,280,000 | $ 320,000 | $ 960,000 |
| Brunswick, GA | 3 | $ 1,885,000 | $ 628,333 | $ 252,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,715,000 | $ 571,666 | $ 430,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 1,035,000 | $ 345,000 | $ 85,666 |
| Macon-Bibb County, GA | 3 | $ 1,065,000 | $ 355,000 | $ 295,000 |
| Mansfield, OH | 3 | $ 555,000 | $ 185,000 | $ 134,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 2,215,000 | $ 738,333 | $ 326,666 |
| Ocala, FL | 3 | $ 985,000 | $ 328,333 | $ 171,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,255,000 | $ 418,333 | $ 190,000 |
| Port St. Lucie, FL | 3 | $ 1,285,000 | $ 428,333 | $ 215,000 |
| Sebastian-Vero Beach, FL | 3 | $ 1,175,000 | $ 391,666 | $ 236,000 |
| Tallahassee, FL | 3 | $ 595,000 | $ 198,333 | $ 100,000 |
| Barnstable Town, MA | 2 | $ 810,000 | $ 405,000 | $ 190,000 |
| Clarksville, TN-KY | 2 | $ 1,180,000 | $ 590,000 | $ 311,000 |
| Florence, SC | 2 | $ 610,000 | $ 305,000 | $ 268,000 |
| Gainesville, FL | 2 | $ 1,040,000 | $ 520,000 | $ 134,000 |
| Gainesville, GA | 2 | $ 550,000 | $ 275,000 | $ 161,000 |
| Goldsboro, NC | 2 | $ 50,000 | $ 25,000 | $ 37,000 |
| Lakeland-Winter Haven, FL | 2 | $ 660,000 | $ 330,000 | $ 129,000 |
| Rome, GA | 2 | $ 950,000 | $ 475,000 | $ 204,000 |
| Trenton, NJ | 2 | $ 550,000 | $ 275,000 | $ 238,000 |
| Warner Robins, GA | 2 | $ 680,000 | $ 340,000 | $ 166,000 |
| Athens-Clarke County, GA | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Binghamton, NY | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Boston, MA | 1 | $ 505,000 | $ 505,000 | $ 1,316,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 55,000 | $ 55,000 | $ 492,000 |
| Homosassa Springs, FL | 1 | $ 435,000 | $ 435,000 | $ 153,000 |
| Kingston, NY | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Knoxville, TN | 1 | $ 345,000 | $ 345,000 | $ 56,000 |
| Springfield, OH | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Syracuse, NY | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| The Villages, FL | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 105,000 | $ 105,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank of Pa in 2022
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 | 7,828 | $1,532,990,000 | $195,000 | $11,915,000 | $148,000 | $9,618,000 |
| Home Purchase | 7,103 | $3,349,955,000 | $471,000 | $52,055,000 | $195,000 | $6,526,000 |
| Home Improvement | 6,510 | $794,380,000 | $122,000 | $34,005,000 | $155,000 | $6,535,000 |
| Other Purpose | 2,793 | $402,415,000 | $144,000 | $5,505,000 | $184,000 | $8,871,000 |
| Cash-out Refinancing | 647 | $202,915,000 | $313,000 | $1,995,000 | $148,000 | $2,248,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 17,772 | $3,863,240,000 | $217,000 | $5,505,000 | $162,000 | $8,871,000 |
| Not applicable | 2,258 | $1,018,040,000 | $450,000 | $52,055,000 | $209,000 | $209,000 |
| Not Provided | 2,140 | $584,880,000 | $273,000 | $3,305,000 | $182,000 | $9,618,000 |
| Asian | 1,044 | $377,410,000 | $361,000 | $2,005,000 | $215,000 | $4,800,000 |
| Black or African American | 833 | $188,415,000 | $226,000 | $1,385,000 | $147,000 | $5,027,000 |
| Hispanic | 567 | $129,035,000 | $227,000 | $1,395,000 | $130,000 | $4,447,000 |
| American Indian or Alaskan Native | 39 | $10,835,000 | $277,000 | $955,000 | $183,000 | $2,204,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,500,000 | $138,000 | $275,000 | $154,000 | $287,000 |
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) | 24,698 | $6,241,850,000 | $252,000 | $52,055,000 | $167,000 | $9,618,000 |
| FHA-insured (Federal Housing Administration) | 103 | $19,475,000 | $189,000 | $485,000 | $72,000 | $371,000 |
| VA-guaranteed (Veterans Administration) | 43 | $15,435,000 | $358,000 | $1,125,000 | $117,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,895,000 | $159,000 | $425,000 | $58,000 | $102,000 |
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 | 15,267 | $4,213,875,000 | $276,000 | $52,055,000 | $181,000 | $8,871,000 |
| Application Denied By Financial Institution | 5,427 | $934,715,000 | $172,000 | $2,995,000 | $117,000 | $9,618,000 |
| Loan Purchased By The Institution | 1,691 | $504,155,000 | $298,000 | $1,305,000 | $110,000 | $110,000 |
| File Closed For Incompleteness | 1,216 | $246,480,000 | $202,000 | $2,005,000 | $182,000 | $6,535,000 |
| Application Withdrawn By Applicant | 1,106 | $353,110,000 | $319,000 | $2,925,000 | $185,000 | $3,852,000 |
| Application Approved But Not Accepted | 174 | $30,320,000 | $174,000 | $1,185,000 | $156,000 | $1,805,000 |
| 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 | 19,454 | $5,347,940,000 | $274,000 | $52,055,000 | $181,000 | $8,871,000 |
| Credit History | 2,218 | $261,720,000 | $117,000 | $1,805,000 | $120,000 | $9,618,000 |
| Debt-To-Income Ratio | 1,624 | $315,910,000 | $194,000 | $2,005,000 | $66,000 | $855,000 |
| Collateral | 1,183 | $227,965,000 | $192,000 | $2,295,000 | $171,000 | $5,027,000 |
| Other | 245 | $69,315,000 | $282,000 | $2,995,000 | $167,000 | $1,800,000 |
| Employment History | 72 | $28,400,000 | $394,000 | $1,875,000 | $122,000 | $661,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $18,420,000 | $484,000 | $2,005,000 | $147,000 | $642,000 |
| Unverifiable Information | 29 | $9,575,000 | $330,000 | $1,385,000 | $143,000 | $720,000 |
| Credit Application Incomplete | 18 | $3,410,000 | $189,000 | $405,000 | $127,000 | $461,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Pa's 2022 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About