National Penn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
National Penn Bank 2008 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 | 4,959 |
| Total Mortgage Loan Application Amount | $481,052,000 |
| Average Mortgage Loan Application Amount | $107,333 |
| Highest Mortgage Loan Application Amount | $3,160,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $4,907,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Northampton County Pennsylvania | 799 | $ 72,507,000 | $ 90,000 | $ 84,000 |
| Berks County Pennsylvania | 731 | $ 54,149,000 | $ 74,000 | $ 64,000 |
| Lehigh County Pennsylvania | 624 | $ 63,403,000 | $ 101,000 | $ 77,000 |
| Chester County Pennsylvania | 411 | $ 44,817,000 | $ 109,000 | $ 86,000 |
| Centre County Pennsylvania | 276 | $ 53,254,000 | $ 192,000 | $ 115,000 |
| Luzerne County Pennsylvania | 268 | $ 15,432,000 | $ 57,000 | $ 66,000 |
| Lancaster County Pennsylvania | 248 | $ 36,048,000 | $ 145,000 | $ 63,000 |
| Montgomery County Pennsylvania | 230 | $ 27,203,000 | $ 118,000 | $ 105,000 |
| Schuylkill County Pennsylvania | 156 | $ 9,456,000 | $ 60,000 | $ 53,000 |
| Bucks County Pennsylvania | 139 | $ 17,248,000 | $ 124,000 | $ 91,000 |
| Monroe County Pennsylvania | 131 | $ 12,128,000 | $ 92,000 | $ 78,000 |
| Philadelphia County Pennsylvania | 110 | $ 23,111,000 | $ 210,000 | $ 71,000 |
| Carbon County Pennsylvania | 106 | $ 6,469,000 | $ 61,000 | $ 65,000 |
| Nassau County New York | 65 | $ 228,000 | $ 3,000 | $ 0 |
| Suffolk County New York | 57 | $ 204,000 | $ 3,000 | $ 0 |
| Delaware County Pennsylvania | 37 | $ 5,339,000 | $ 144,000 | $ 82,000 |
| New Castle County Delaware | 32 | $ 1,965,000 | $ 61,000 | $ 44,000 |
| Cecil County Maryland | 25 | $ 3,054,000 | $ 122,000 | $ 87,000 |
| Morris County New Jersey | 24 | $ 93,000 | $ 3,000 | $ 0 |
| Providence County Rhode Island | 23 | $ 99,000 | $ 4,000 | $ 0 |
| Hartford County Connecticut | 21 | $ 290,000 | $ 13,000 | $ 4,000 |
| Sussex County New Jersey | 16 | $ 64,000 | $ 4,000 | $ 0 |
| Dutchess County New York | 16 | $ 72,000 | $ 4,000 | $ 0 |
| Cape May County New Jersey | 15 | $ 8,386,000 | $ 559,000 | $ 403,000 |
| Camden County New Jersey | 14 | $ 474,000 | $ 33,000 | $ 9,000 |
| Lebanon County Pennsylvania | 12 | $ 1,064,000 | $ 88,000 | $ 56,000 |
| New Haven County Connecticut | 11 | $ 34,000 | $ 3,000 | $ 0 |
| Burlington County New Jersey | 11 | $ 189,000 | $ 17,000 | $ 17,000 |
| Atlantic County New Jersey | 10 | $ 388,000 | $ 38,000 | $ 40,000 |
| Gloucester County New Jersey | 10 | $ 35,000 | $ 3,000 | $ 0 |
| Orange County New York | 10 | $ 46,000 | $ 4,000 | $ 0 |
| Bristol County Massachusetts | 9 | $ 43,000 | $ 4,000 | $ 0 |
| Middlesex County Massachusetts | 9 | $ 47,000 | $ 5,000 | $ 0 |
| Baltimore City County Maryland | 8 | $ 18,000 | $ 2,000 | $ 0 |
| Mercer County New Jersey | 8 | $ 115,000 | $ 14,000 | $ 11,000 |
| Queens County New York | 8 | $ 35,000 | $ 4,000 | $ 0 |
| Worcester County Massachusetts | 7 | $ 27,000 | $ 3,000 | $ 0 |
| Ocean County New Jersey | 7 | $ 725,000 | $ 103,000 | $ 56,000 |
| Kings County New York | 7 | $ 167,000 | $ 23,000 | $ 10,000 |
| York County Pennsylvania | 7 | $ 537,000 | $ 76,000 | $ 26,000 |
| Sussex County Delaware | 6 | $ 1,004,000 | $ 167,000 | $ 190,000 |
| Suffolk County Massachusetts | 6 | $ 30,000 | $ 5,000 | $ 0 |
| Monmouth County New Jersey | 6 | $ 231,000 | $ 38,000 | $ 54,000 |
| Union County New Jersey | 6 | $ 339,000 | $ 56,000 | $ 50,000 |
| Richmond County New York | 6 | $ 27,000 | $ 4,000 | $ 0 |
| Westchester County New York | 6 | $ 28,000 | $ 4,000 | $ 0 |
| Columbia County Pennsylvania | 6 | $ 324,000 | $ 54,000 | $ 25,000 |
| Dauphin County Pennsylvania | 6 | $ 398,000 | $ 66,000 | $ 34,000 |
| Pike County Pennsylvania | 6 | $ 855,000 | $ 142,000 | $ 125,000 |
| Kent County Rhode Island | 6 | $ 27,000 | $ 4,000 | $ 0 |
| Fairfax County Virginia | 6 | $ 1,218,000 | $ 203,000 | $ 51,000 |
| Norfolk County Massachusetts | 5 | $ 24,000 | $ 4,000 | $ 0 |
| Warren County New Jersey | 5 | $ 200,000 | $ 40,000 | $ 23,000 |
| Clinton County Pennsylvania | 5 | $ 409,000 | $ 81,000 | $ 41,000 |
| Loudoun County Virginia | 5 | $ 865,000 | $ 173,000 | $ 71,000 |
| New London County Connecticut | 4 | $ 10,000 | $ 2,000 | $ 0 |
| Baltimore County Maryland | 4 | $ 18,000 | $ 4,000 | $ 0 |
| Montgomery County Maryland | 4 | $ 12,000 | $ 3,000 | $ 0 |
| Essex County Massachusetts | 4 | $ 16,000 | $ 4,000 | $ 0 |
| Bergen County New Jersey | 4 | $ 267,000 | $ 66,000 | $ 50,000 |
| Somerset County New Jersey | 4 | $ 1,234,000 | $ 308,000 | $ 170,000 |
| Adams County Pennsylvania | 4 | $ 11,000 | $ 2,000 | $ 0 |
| Blair County Pennsylvania | 4 | $ 802,000 | $ 200,000 | $ 103,000 |
| Westmoreland County Pennsylvania | 4 | $ 155,000 | $ 38,000 | $ 23,000 |
| Fairfield County Connecticut | 3 | $ 6,000 | $ 2,000 | $ 0 |
| Tolland County Connecticut | 3 | $ 11,000 | $ 3,000 | $ 0 |
| Kent County Delaware | 3 | $ 8,000 | $ 2,000 | $ 0 |
| Anne Arundel County Maryland | 3 | $ 8,000 | $ 2,000 | $ 0 |
| Harford County Maryland | 3 | $ 682,000 | $ 227,000 | $ 65,000 |
| Prince George's County Maryland | 3 | $ 295,000 | $ 98,000 | $ 32,000 |
| Worcester County Maryland | 3 | $ 183,000 | $ 61,000 | $ 41,000 |
| Hunterdon County New Jersey | 3 | $ 16,000 | $ 5,000 | $ 0 |
| Middlesex County New Jersey | 3 | $ 10,000 | $ 3,000 | $ 0 |
| Bronx County New York | 3 | $ 12,000 | $ 4,000 | $ 0 |
| Huntingdon County Pennsylvania | 3 | $ 724,000 | $ 241,000 | $ 81,000 |
| Mifflin County Pennsylvania | 3 | $ 234,000 | $ 78,000 | $ 56,000 |
| Perry County Pennsylvania | 3 | $ 607,000 | $ 202,000 | $ 52,000 |
| Middlesex County Connecticut | 2 | $ 13,000 | $ 6,000 | $ 0 |
| Windham County Connecticut | 2 | $ 13,000 | $ 6,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 4,000 | $ 2,000 | $ 0 |
| Kent County Maryland | 2 | $ 213,000 | $ 106,000 | $ 150,000 |
| Passaic County New Jersey | 2 | $ 8,000 | $ 4,000 | $ 0 |
| New York County New York | 2 | $ 527,000 | $ 263,000 | $ 471,000 |
| Sullivan County New York | 2 | $ 8,000 | $ 4,000 | $ 0 |
| Allegheny County Pennsylvania | 2 | $ 258,000 | $ 129,000 | $ 92,000 |
| Bradford County Pennsylvania | 2 | $ 204,000 | $ 102,000 | $ 109,000 |
| Clearfield County Pennsylvania | 2 | $ 56,000 | $ 28,000 | $ 265,000 |
| Lackawanna County Pennsylvania | 2 | $ 277,000 | $ 138,000 | $ 36,000 |
| Snyder County Pennsylvania | 2 | $ 4,590,000 | $ 2,295,000 | $ 0 |
| Newport County Rhode Island | 2 | $ 9,000 | $ 4,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 10,000 | $ 5,000 | $ 0 |
| Stafford County Virginia | 2 | $ 126,000 | $ 63,000 | $ 12,000 |
| Marion County Arkansas | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| Contra Costa County California | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Broward County Florida | 1 | $ 188,000 | $ 188,000 | $ 126,000 |
| Lee County Florida | 1 | $ 200,000 | $ 200,000 | $ 592,000 |
| Palm Beach County Florida | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 288,000 | $ 288,000 | $ 80,000 |
| Hancock County Maine | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Kennebec County Maine | 1 | $ 9,000 | $ 9,000 | $ 0 |
| Knox County Maine | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Piscataquis County Maine | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Washington County Maine | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Calvert County Maryland | 1 | $ 246,000 | $ 246,000 | $ 145,000 |
| Frederick County Maryland | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Washington County Maryland | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Wicomico County Maryland | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Cheshire County New Hampshire | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Essex County New Jersey | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Salem County New Jersey | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Columbia County New York | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Fulton County New York | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Putnam County New York | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Rockland County New York | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Schenectady County New York | 1 | $ 1,000 | $ 1,000 | $ 0 |
| St. Lawrence County New York | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Tioga County New York | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Ulster County New York | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 272,000 | $ 272,000 | $ 281,000 |
| Mecklenburg County North Carolina | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Moore County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Cumberland County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 32,000 |
| Erie County Pennsylvania | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Forest County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Lycoming County Pennsylvania | 1 | $ 297,000 | $ 297,000 | $ 267,000 |
| Mercer County Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Potter County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 37,000 |
| Sullivan County Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 170,000 |
| Warren County Pennsylvania | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Wayne County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 451,000 |
| Wyoming County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 51,000 |
| Horry County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Bennington County Vermont | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Franklin County Vermont | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Rutland County Vermont | 1 | $ 106,000 | $ 106,000 | $ 38,000 |
| Accomack County Virginia | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Arlington County Virginia | 1 | $ 417,000 | $ 417,000 | $ 118,000 |
| Fairfax City County Virginia | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Hampton County Virginia | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Newport News County Virginia | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 3,000 | $ 3,000 | $ 0 |
Mortgage Loan Application Detail Totals for National Penn Bank in 2008
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 Improvement | 1,962 | $63,645,000 | $32,000 | $2,144,000 | $53,000 | $1,428,000 |
| Refinancing | 1,863 | $222,698,000 | $119,000 | $3,160,000 | $81,000 | $4,907,000 |
| Home Purchase | 1,134 | $194,709,000 | $171,000 | $3,000,000 | $91,000 | $2,547,000 |
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 | 3,687 | $388,680,000 | $105,000 | $3,000,000 | $86,000 | $4,907,000 |
| Not applicable | 665 | $37,998,000 | $57,000 | $3,160,000 | $0 | $0 |
| Hispanic | 312 | $23,486,000 | $75,000 | $3,000,000 | $51,000 | $492,000 |
| Not Provided | 134 | $13,737,000 | $102,000 | $1,115,000 | $96,000 | $460,000 |
| Black or African American | 88 | $7,947,000 | $90,000 | $417,000 | $59,000 | $396,000 |
| Asian | 66 | $8,315,000 | $125,000 | $822,000 | $113,000 | $1,197,000 |
| American Indian or Alaskan Native | 5 | $733,000 | $146,000 | $350,000 | $45,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $156,000 | $78,000 | $104,000 | $33,000 | $67,000 |
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) | 4,853 | $464,388,000 | $95,000 | $3,160,000 | $73,000 | $4,907,000 |
| FHA-insured (Federal Housing Administration) | 106 | $16,664,000 | $157,000 | $390,000 | $56,000 | $199,000 |
| 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 | 3,202 | $372,998,000 | $116,000 | $3,160,000 | $86,000 | $4,907,000 |
| Application Denied By Financial Institution | 670 | $50,188,000 | $74,000 | $1,115,000 | $59,000 | $1,260,000 |
| Loan Purchased By The Institution | 602 | $2,376,000 | $3,000 | $13,000 | $1,000 | $77,000 |
| Application Withdrawn By Applicant | 236 | $29,164,000 | $123,000 | $1,000,000 | $83,000 | $628,000 |
| Application Approved But Not Accepted | 206 | $19,954,000 | $96,000 | $1,600,000 | $88,000 | $942,000 |
| File Closed For Incompleteness | 37 | $5,674,000 | $153,000 | $743,000 | $106,000 | $996,000 |
| Preapproval Denied by Financial Institution | 6 | $698,000 | $116,000 | $160,000 | $39,000 | $70,000 |
| Preapproval Approved but not Accepted | 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 | 299 | $14,419,000 | $48,000 | $345,000 | $54,000 | $257,000 |
| Debt-To-Income Ratio | 214 | $20,072,000 | $93,000 | $1,115,000 | $53,000 | $1,260,000 |
| Collateral | 89 | $11,462,000 | $128,000 | $420,000 | $84,000 | $264,000 |
| Other | 48 | $2,254,000 | $46,000 | $190,000 | $67,000 | $204,000 |
| Employment History | 12 | $729,000 | $60,000 | $213,000 | $35,000 | $74,000 |
| Unverifiable Information | 10 | $1,395,000 | $139,000 | $288,000 | $80,000 | $209,000 |
| Mortgage Insurance Denied | 3 | $489,000 | $163,000 | $262,000 | $117,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $66,000 | $66,000 | $66,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Penn Bank's 2008 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.