National Penn Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
National Penn Bank 2012 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 | 4,036 |
| Total Mortgage Loan Application Amount | $576,608,000 |
| Average Mortgage Loan Application Amount | $125,333 |
| Highest Mortgage Loan Application Amount | $11,650,000 |
| Average Applicant Income | $75,333 |
| Highest Applicant Income | $6,610,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 567 | $ 57,135,000 | $ 100,000 | $ 67,000 |
| Northampton County Pennsylvania | 519 | $ 76,892,000 | $ 148,000 | $ 93,000 |
| Lehigh County Pennsylvania | 419 | $ 63,553,000 | $ 151,000 | $ 97,000 |
| Lancaster County Pennsylvania | 385 | $ 65,007,000 | $ 168,000 | $ 64,000 |
| Chester County Pennsylvania | 310 | $ 55,940,000 | $ 180,000 | $ 112,000 |
| Luzerne County Pennsylvania | 265 | $ 24,966,000 | $ 94,000 | $ 67,000 |
| Centre County Pennsylvania | 231 | $ 46,924,000 | $ 203,000 | $ 106,000 |
| Montgomery County Pennsylvania | 230 | $ 38,664,000 | $ 168,000 | $ 111,000 |
| Bucks County Pennsylvania | 183 | $ 40,847,000 | $ 223,000 | $ 123,000 |
| Schuylkill County Pennsylvania | 124 | $ 9,855,000 | $ 79,000 | $ 64,000 |
| Cook County Illinois | 102 | $ 285,000 | $ 2,000 | $ 0 |
| Philadelphia County Pennsylvania | 86 | $ 13,764,000 | $ 160,000 | $ 83,000 |
| Lake County Illinois | 84 | $ 297,000 | $ 3,000 | $ 0 |
| Carbon County Pennsylvania | 70 | $ 7,006,000 | $ 100,000 | $ 66,000 |
| Monroe County Pennsylvania | 66 | $ 10,162,000 | $ 153,000 | $ 71,000 |
| Delaware County Pennsylvania | 41 | $ 12,061,000 | $ 294,000 | $ 329,000 |
| Madison County Illinois | 31 | $ 139,000 | $ 4,000 | $ 0 |
| Cape May County New Jersey | 22 | $ 10,632,000 | $ 483,000 | $ 338,000 |
| St. Clair County Illinois | 21 | $ 123,000 | $ 5,000 | $ 0 |
| Christian County Illinois | 13 | $ 80,000 | $ 6,000 | $ 0 |
| Coles County Illinois | 13 | $ 64,000 | $ 4,000 | $ 0 |
| Will County Illinois | 10 | $ 21,000 | $ 2,000 | $ 0 |
| Cecil County Maryland | 10 | $ 1,760,000 | $ 176,000 | $ 149,000 |
| Adams County Illinois | 9 | $ 46,000 | $ 5,000 | $ 0 |
| Columbia County Pennsylvania | 9 | $ 1,560,000 | $ 173,000 | $ 48,000 |
| Huntingdon County Pennsylvania | 9 | $ 1,389,000 | $ 154,000 | $ 76,000 |
| Williamson County Illinois | 8 | $ 50,000 | $ 6,000 | $ 0 |
| Atlantic County New Jersey | 8 | $ 2,486,000 | $ 310,000 | $ 181,000 |
| New Castle County Delaware | 7 | $ 999,000 | $ 142,000 | $ 67,000 |
| McHenry County Illinois | 7 | $ 35,000 | $ 5,000 | $ 0 |
| Winnebago County Illinois | 7 | $ 13,000 | $ 1,000 | $ 0 |
| Sussex County Delaware | 6 | $ 1,125,000 | $ 187,000 | $ 110,000 |
| Champaign County Illinois | 6 | $ 35,000 | $ 5,000 | $ 0 |
| DuPage County Illinois | 6 | $ 10,000 | $ 1,000 | $ 0 |
| Tazewell County Illinois | 6 | $ 33,000 | $ 5,000 | $ 0 |
| Lebanon County Pennsylvania | 6 | $ 824,000 | $ 137,000 | $ 68,000 |
| Pike County Pennsylvania | 6 | $ 917,000 | $ 152,000 | $ 122,000 |
| Kane County Illinois | 5 | $ 6,000 | $ 1,000 | $ 0 |
| Cumberland County Pennsylvania | 5 | $ 590,000 | $ 118,000 | $ 73,000 |
| Franklin County Illinois | 4 | $ 26,000 | $ 6,000 | $ 0 |
| Logan County Illinois | 4 | $ 16,000 | $ 4,000 | $ 0 |
| Macon County Illinois | 4 | $ 19,000 | $ 4,000 | $ 0 |
| Peoria County Illinois | 4 | $ 17,000 | $ 4,000 | $ 0 |
| Clearfield County Pennsylvania | 4 | $ 572,000 | $ 143,000 | $ 84,000 |
| Dauphin County Pennsylvania | 4 | $ 4,030,000 | $ 1,007,000 | $ 61,000 |
| York County Pennsylvania | 4 | $ 840,000 | $ 210,000 | $ 11,000 |
| Douglas County Illinois | 3 | $ 22,000 | $ 7,000 | $ 0 |
| Knox County Illinois | 3 | $ 17,000 | $ 5,000 | $ 0 |
| Macoupin County Illinois | 3 | $ 17,000 | $ 5,000 | $ 0 |
| Montgomery County Illinois | 3 | $ 12,000 | $ 4,000 | $ 0 |
| Sangamon County Illinois | 3 | $ 9,000 | $ 3,000 | $ 0 |
| Shelby County Illinois | 3 | $ 16,000 | $ 5,000 | $ 0 |
| Monmouth County New Jersey | 3 | $ 773,000 | $ 257,000 | $ 177,000 |
| Bradford County Pennsylvania | 3 | $ 531,000 | $ 177,000 | $ 174,000 |
| Indiana County Pennsylvania | 3 | $ 2,309,000 | $ 769,000 | $ 0 |
| Lackawanna County Pennsylvania | 3 | $ 441,000 | $ 147,000 | $ 63,000 |
| Perry County Pennsylvania | 3 | $ 555,000 | $ 185,000 | $ 57,000 |
| Sullivan County Pennsylvania | 3 | $ 155,000 | $ 51,000 | $ 89,000 |
| Clinton County Illinois | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Kendall County Illinois | 2 | $ 2,000 | $ 1,000 | $ 0 |
| Monroe County Illinois | 2 | $ 4,000 | $ 2,000 | $ 0 |
| Ogle County Illinois | 2 | $ 2,000 | $ 1,000 | $ 0 |
| Perry County Illinois | 2 | $ 18,000 | $ 9,000 | $ 0 |
| Vermilion County Illinois | 2 | $ 7,000 | $ 3,000 | $ 0 |
| Somerset County New Jersey | 2 | $ 533,000 | $ 266,000 | $ 111,000 |
| Stark County Ohio | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Blair County Pennsylvania | 2 | $ 440,000 | $ 220,000 | $ 102,000 |
| Bond County Illinois | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Brown County Illinois | 1 | $ 5,000 | $ 5,000 | $ 0 |
| De Witt County Illinois | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Effingham County Illinois | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Jackson County Illinois | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Lee County Illinois | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Livingston County Illinois | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Randolph County Illinois | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Stephenson County Illinois | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 808,000 | $ 808,000 | $ 566,000 |
| Worcester County Maryland | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 240,000 | $ 240,000 | $ 97,000 |
| Essex County New Jersey | 1 | $ 11,650,000 | $ 11,650,000 | $ 0 |
| Gloucester County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Hudson County New Jersey | 1 | $ 206,000 | $ 206,000 | $ 175,000 |
| Hunterdon County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 210,000 |
| Mercer County New Jersey | 1 | $ 179,000 | $ 179,000 | $ 53,000 |
| Ocean County New Jersey | 1 | $ 73,000 | $ 73,000 | $ 92,000 |
| Warren County New Jersey | 1 | $ 63,000 | $ 63,000 | $ 54,000 |
| Halifax County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Allegheny County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 110,000 |
| Clinton County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Lycoming County Pennsylvania | 1 | $ 139,000 | $ 139,000 | $ 65,000 |
| Mifflin County Pennsylvania | 1 | $ 634,000 | $ 634,000 | $ 0 |
| Montour County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Northumberland County Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 104,000 |
| Tioga County Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 100,000 |
| Wayne County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 200,000 |
| Beaufort County South Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Horry County South Carolina | 1 | $ 338,000 | $ 338,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for National Penn Bank in 2012
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 | 1,934 | $364,980,000 | $188,000 | $11,650,000 | $105,000 | $6,610,000 |
| Home Purchase | 1,161 | $182,326,000 | $157,000 | $2,210,000 | $79,000 | $2,778,000 |
| Home Improvement | 941 | $29,302,000 | $31,000 | $1,250,000 | $42,000 | $1,664,000 |
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 | 3,054 | $486,891,000 | $159,000 | $2,470,000 | $99,000 | $6,610,000 |
| Not applicable | 471 | $42,544,000 | $90,000 | $11,650,000 | $0 | $0 |
| Hispanic | 214 | $12,744,000 | $59,000 | $258,000 | $39,000 | $147,000 |
| Not Provided | 194 | $22,813,000 | $117,000 | $700,000 | $81,000 | $482,000 |
| Black or African American | 73 | $7,352,000 | $100,000 | $808,000 | $58,000 | $566,000 |
| Asian | 22 | $3,820,000 | $173,000 | $389,000 | $112,000 | $385,000 |
| American Indian or Alaskan Native | 6 | $363,000 | $60,000 | $115,000 | $48,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $81,000 | $40,000 | $76,000 | $44,000 | $80,000 |
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) | 3,824 | $545,048,000 | $142,000 | $11,650,000 | $84,000 | $6,610,000 |
| FHA-insured (Federal Housing Administration) | 186 | $27,252,000 | $146,000 | $343,000 | $56,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,800,000 | $138,000 | $265,000 | $47,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,508,000 | $192,000 | $342,000 | $79,000 | $189,000 |
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 | 2,696 | $459,441,000 | $170,000 | $11,650,000 | $94,000 | $3,001,000 |
| Application Denied By Financial Institution | 494 | $55,876,000 | $113,000 | $900,000 | $85,000 | $6,610,000 |
| Loan Purchased By The Institution | 428 | $1,859,000 | $4,000 | $26,000 | $3,000 | $67,000 |
| Application Withdrawn By Applicant | 317 | $45,633,000 | $143,000 | $1,161,000 | $91,000 | $546,000 |
| Application Approved But Not Accepted | 90 | $12,525,000 | $139,000 | $960,000 | $79,000 | $432,000 |
| Preapproval Denied by Financial Institution | 11 | $1,274,000 | $115,000 | $239,000 | $38,000 | $73,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 187 | $29,762,000 | $159,000 | $900,000 | $132,000 | $6,610,000 |
| Credit History | 148 | $6,355,000 | $42,000 | $283,000 | $62,000 | $1,664,000 |
| Debt-To-Income Ratio | 122 | $14,753,000 | $120,000 | $830,000 | $44,000 | $131,000 |
| Other | 16 | $2,453,000 | $153,000 | $417,000 | $76,000 | $325,000 |
| Unverifiable Information | 13 | $1,065,000 | $81,000 | $248,000 | $62,000 | $159,000 |
| Employment History | 11 | $1,613,000 | $146,000 | $417,000 | $61,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,024,000 | $146,000 | $362,000 | $86,000 | $224,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Penn Bank's 2012 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.