National Penn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
National Penn Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | National Penn Bank Po Box 547 Boyertown, PA 19512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,483 |
| Total Mortgage Loan Application Amount | $275,891,000 |
| Average Mortgage Loan Application Amount | $221,200 |
| Highest Mortgage Loan Application Amount | $4,750,000 |
| Average Applicant Income | $92,100 |
| Highest Applicant Income | $4,521,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with National Penn Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing National Penn Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down National Penn Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how National Penn Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by National Penn Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at National Penn Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berks County Pennsylvania | 838 | $ 58,303,000 | $ 69,000 | $ 56,000 |
| Montgomery County Pennsylvania | 401 | $ 41,715,000 | $ 104,000 | $ 100,000 |
| Chester County Pennsylvania | 297 | $ 39,517,000 | $ 133,000 | $ 89,000 |
| Bucks County Pennsylvania | 228 | $ 30,344,000 | $ 133,000 | $ 72,000 |
| Lancaster County Pennsylvania | 145 | $ 19,295,000 | $ 133,000 | $ 70,000 |
| Lehigh County Pennsylvania | 141 | $ 12,761,000 | $ 90,000 | $ 60,000 |
| Philadelphia County Pennsylvania | 107 | $ 16,534,000 | $ 154,000 | $ 54,000 |
| Delaware County Pennsylvania | 57 | $ 9,595,000 | $ 168,000 | $ 81,000 |
| Baltimore County Maryland | 36 | $ 5,406,000 | $ 150,000 | $ 90,000 |
| Northampton County Pennsylvania | 35 | $ 3,980,000 | $ 113,000 | $ 73,000 |
| Anne Arundel County Maryland | 15 | $ 3,304,000 | $ 220,000 | $ 126,000 |
| Cape May County New Jersey | 14 | $ 6,009,000 | $ 429,000 | $ 287,000 |
| Fairfax County Virginia | 11 | $ 3,537,000 | $ 321,000 | $ 97,000 |
| Centre County Pennsylvania | 10 | $ 901,000 | $ 90,000 | $ 78,000 |
| Baltimore City County Maryland | 9 | $ 1,210,000 | $ 134,000 | $ 67,000 |
| Carroll County Maryland | 8 | $ 1,522,000 | $ 190,000 | $ 81,000 |
| Schuylkill County Pennsylvania | 8 | $ 499,000 | $ 62,000 | $ 64,000 |
| Loudoun County Virginia | 8 | $ 2,068,000 | $ 258,000 | $ 87,000 |
| Howard County Maryland | 6 | $ 1,094,000 | $ 182,000 | $ 132,000 |
| Montgomery County Maryland | 6 | $ 1,359,000 | $ 226,000 | $ 95,000 |
| Worcester County Maryland | 6 | $ 744,000 | $ 124,000 | $ 155,000 |
| Sussex County Delaware | 5 | $ 551,000 | $ 110,000 | $ 116,000 |
| Harford County Maryland | 5 | $ 662,000 | $ 132,000 | $ 62,000 |
| Burlington County New Jersey | 5 | $ 515,000 | $ 103,000 | $ 91,000 |
| Prince George's County Maryland | 4 | $ 770,000 | $ 192,000 | $ 143,000 |
| Atlantic County New Jersey | 4 | $ 489,000 | $ 122,000 | $ 85,000 |
| Carbon County Pennsylvania | 4 | $ 216,000 | $ 54,000 | $ 37,000 |
| Monroe County Pennsylvania | 4 | $ 275,000 | $ 68,000 | $ 84,000 |
| York County Pennsylvania | 4 | $ 612,000 | $ 153,000 | $ 165,000 |
| Frederick County Maryland | 3 | $ 797,000 | $ 265,000 | $ 204,000 |
| Gloucester County New Jersey | 3 | $ 441,000 | $ 147,000 | $ 92,000 |
| Hunterdon County New Jersey | 3 | $ 912,000 | $ 304,000 | $ 157,000 |
| Lebanon County Pennsylvania | 3 | $ 220,000 | $ 73,000 | $ 90,000 |
| Luzerne County Pennsylvania | 3 | $ 286,000 | $ 95,000 | $ 60,000 |
| Greenville County South Carolina | 3 | $ 159,000 | $ 53,000 | $ 68,000 |
| Prince William County Virginia | 3 | $ 1,111,000 | $ 370,000 | $ 127,000 |
| New Castle County Delaware | 2 | $ 370,000 | $ 185,000 | $ 94,000 |
| Camden County New Jersey | 2 | $ 292,000 | $ 146,000 | $ 39,000 |
| Monmouth County New Jersey | 2 | $ 371,000 | $ 185,000 | $ 300,000 |
| Ocean County New Jersey | 2 | $ 197,000 | $ 98,000 | $ 73,000 |
| Somerset County New Jersey | 2 | $ 1,215,000 | $ 607,000 | $ 43,000 |
| Cumberland County Pennsylvania | 2 | $ 249,000 | $ 124,000 | $ 91,000 |
| Dauphin County Pennsylvania | 2 | $ 264,000 | $ 132,000 | $ 146,000 |
| Lycoming County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 198,000 |
| Fauquier County Virginia | 2 | $ 685,000 | $ 342,000 | $ 102,000 |
| New London County Connecticut | 1 | $ 102,000 | $ 102,000 | $ 160,000 |
| District of Columbia County District Of Columbia | 1 | $ 420,000 | $ 420,000 | $ 144,000 |
| Calvert County Maryland | 1 | $ 111,000 | $ 111,000 | $ 67,000 |
| Cecil County Maryland | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Talbot County Maryland | 1 | $ 356,000 | $ 356,000 | $ 129,000 |
| Washington County Maryland | 1 | $ 133,000 | $ 133,000 | $ 94,000 |
| Mercer County New Jersey | 1 | $ 166,000 | $ 166,000 | $ 161,000 |
| Morris County New Jersey | 1 | $ 36,000 | $ 36,000 | $ 87,000 |
| Salem County New Jersey | 1 | $ 104,000 | $ 104,000 | $ 90,000 |
| Warren County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 143,000 |
| Blair County Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 53,000 |
| Columbia County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 38,000 |
| Franklin County Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 91,000 |
| Huntingdon County Pennsylvania | 1 | $ 28,000 | $ 28,000 | $ 175,000 |
| Lackawanna County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 292,000 |
| Montour County Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 100,000 |
| Pike County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 205,000 |
| Susquehanna County Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 65,000 |
| Wyoming County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Albemarle County Virginia | 1 | $ 976,000 | $ 976,000 | $ 239,000 |
| Alexandria County Virginia | 1 | $ 341,000 | $ 341,000 | $ 152,000 |
| Caroline County Virginia | 1 | $ 30,000 | $ 30,000 | $ 18,000 |
| Falls Church County Virginia | 1 | $ 444,000 | $ 444,000 | $ 0 |
Mortgage Loan Application Detail Totals for National Penn Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,719 | $206,332,000 | $195,375 | $2,000,000 | $120,250 | $4,521,000 |
| Home Improvement (one-to-four family) | 475 | $18,904,000 | $57,250 | $376,000 | $55,000 | $360,000 |
| Home Purchase (one-to-four family) | 259 | $34,027,000 | $186,333 | $1,464,000 | $110,000 | $1,446,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 30 | $16,628,000 | $757,000 | $4,750,000 | $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 | 2,142 | $225,510,000 | $195,250 | $2,000,000 | $114,875 | $4,521,000 |
| Information not provided by applicant in mail or telephone application | 156 | $19,774,000 | $107,750 | $900,000 | $88,250 | $475,000 |
| Asian or Pacific Islander | 49 | $5,910,000 | $129,333 | $400,000 | $87,000 | $500,000 |
| Black | 48 | $5,232,000 | $187,666 | $420,000 | $71,666 | $234,000 |
| Hispanic | 45 | $1,822,000 | $40,000 | $176,000 | $38,000 | $131,000 |
| Not applicable | 35 | $16,203,000 | $644,000 | $4,750,000 | $219,000 | $1,000,000 |
| Other | 8 | $1,440,000 | $349,000 | $575,000 | $45,500 | $201,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,483 | $275,891,000 | $196,625 | $4,750,000 | $113,500 | $4,521,000 |
| 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 Purchased By The Institution | 1,239 | $187,620,000 | $206,000 | $2,000,000 | $118,125 | $1,364,000 |
| Loan Originated | 995 | $76,926,000 | $143,333 | $4,750,000 | $96,000 | $4,521,000 |
| Application Denied By Financial Institution | 124 | $5,835,000 | $65,333 | $200,000 | $49,333 | $100,000 |
| Application Withdrawn By Applicant | 123 | $5,384,000 | $99,000 | $200,000 | $91,333 | $626,000 |
| File Closed For Incompleteness | 1 | $17,000 | $17,000 | $17,000 | $53,000 | $53,000 |
| Application Approved But Not Accepted | 1 | $109,000 | $109,000 | $109,000 | $48,000 | $48,000 |
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 | 69 | $2,866,000 | $38,500 | $158,000 | $65,000 | $100,000 |
| Debt-To-Income Ratio | 52 | $2,894,000 | $92,666 | $200,000 | $46,000 | $96,000 |
| Collateral | 3 | $75,000 | $25,000 | $25,000 | $62,000 | $78,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Penn Bank's 2003 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 National Penn Bank'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.