National Penn Bank Mortgage Lending & HMDA Data, 2014
In 2014, National Penn Bank of Boyertown, PA reported 3,460 mortgage applications totaling $347.6 million, down 6% from 2013. The average application was for $100,458, and applicants reported an average income of $52,276. 47% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Allentown-Bethlehem-Easton, PA-NJ (524), Chicago-Naperville-Arlington Heights, IL (513) and Montgomery County-Bucks County-Chester County, PA (418) (applications in parentheses).
| 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 | 3,460 |
| Total Mortgage Loan Application Amount | $347,586,000 |
| Average Mortgage Loan Application Amount | $100,458 |
| Highest Mortgage Loan Application Amount | $25,000,000 |
| Average Applicant Income | $52,276 |
| Highest Applicant Income | $3,473,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records National Penn Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berks, Pennsylvania | 414 | $ 34,422,000 | $ 83,144 | $ 54,000 |
| Cook, Illinois | 251 | $ 934,000 | $ 3,721 | $ 0 |
| Lehigh, Pennsylvania | 250 | $ 34,172,000 | $ 136,688 | $ 85,000 |
| Lancaster, Pennsylvania | 247 | $ 38,376,000 | $ 155,368 | $ 69,000 |
| Northampton, Pennsylvania | 234 | $ 27,787,000 | $ 118,747 | $ 79,000 |
| Philadelphia, Pennsylvania | 211 | $ 33,215,000 | $ 157,417 | $ 62,000 |
| Chester, Pennsylvania | 165 | $ 24,307,000 | $ 147,315 | $ 90,000 |
| Luzerne, Pennsylvania | 157 | $ 12,098,000 | $ 77,057 | $ 58,000 |
| Montgomery, Pennsylvania | 153 | $ 20,525,000 | $ 134,150 | $ 80,000 |
| Lake, Illinois | 133 | $ 601,000 | $ 4,518 | $ 0 |
| Centre, Pennsylvania | 111 | $ 20,012,000 | $ 180,288 | $ 100,000 |
| Bucks, Pennsylvania | 100 | $ 23,718,000 | $ 237,180 | $ 134,000 |
| Will, Illinois | 96 | $ 304,000 | $ 3,166 | $ 0 |
| DuPage, Illinois | 80 | $ 346,000 | $ 4,325 | $ 0 |
| Kane, Illinois | 80 | $ 285,000 | $ 3,562 | $ 0 |
| Madison, Illinois | 63 | $ 368,000 | $ 5,841 | $ 0 |
| McHenry, Illinois | 63 | $ 205,000 | $ 3,253 | $ 0 |
| Schuylkill, Pennsylvania | 54 | $ 3,204,000 | $ 59,333 | $ 52,000 |
| Carbon, Pennsylvania | 39 | $ 3,057,000 | $ 78,384 | $ 57,000 |
| Delaware, Pennsylvania | 35 | $ 7,126,000 | $ 203,600 | $ 119,000 |
| St. Clair, Illinois | 31 | $ 168,000 | $ 5,419 | $ 0 |
| Winnebago, Illinois | 30 | $ 85,000 | $ 2,833 | $ 0 |
| Monroe, Pennsylvania | 29 | $ 2,726,000 | $ 94,000 | $ 84,000 |
| Adams, Illinois | 24 | $ 91,000 | $ 3,791 | $ 0 |
| Champaign, Illinois | 20 | $ 133,000 | $ 6,650 | $ 0 |
| Kendall, Illinois | 19 | $ 71,000 | $ 3,736 | $ 0 |
| Macon, Illinois | 16 | $ 55,000 | $ 3,437 | $ 0 |
| York, Pennsylvania | 16 | $ 666,000 | $ 41,625 | $ 21,000 |
| Stephenson, Illinois | 15 | $ 38,000 | $ 2,533 | $ 0 |
| Vermilion, Illinois | 15 | $ 75,000 | $ 5,000 | $ 0 |
| Cape May, New Jersey | 14 | $ 7,261,000 | $ 518,642 | $ 264,000 |
| Lebanon, Pennsylvania | 12 | $ 1,171,000 | $ 97,583 | $ 37,000 |
| Cecil, Maryland | 10 | $ 1,164,000 | $ 116,400 | $ 73,000 |
| Peoria, Illinois | 9 | $ 38,000 | $ 4,222 | $ 0 |
| Sangamon, Illinois | 9 | $ 28,000 | $ 3,111 | $ 0 |
| Williamson, Illinois | 9 | $ 43,000 | $ 4,777 | $ 0 |
| Coles, Illinois | 8 | $ 44,000 | $ 5,500 | $ 0 |
| DeKalb, Illinois | 8 | $ 23,000 | $ 2,875 | $ 0 |
| Cumberland, Pennsylvania | 8 | $ 386,000 | $ 48,250 | $ 23,000 |
| Dauphin, Pennsylvania | 8 | $ 778,000 | $ 97,250 | $ 79,000 |
| New Castle, Delaware | 6 | $ 611,000 | $ 101,833 | $ 107,000 |
| Carroll, Illinois | 6 | $ 26,000 | $ 4,333 | $ 0 |
| Jackson, Illinois | 6 | $ 38,000 | $ 6,333 | $ 0 |
| Tazewell, Illinois | 6 | $ 34,000 | $ 5,666 | $ 0 |
| Clinton, Illinois | 5 | $ 27,000 | $ 5,400 | $ 0 |
| Douglas, Illinois | 5 | $ 32,000 | $ 6,400 | $ 0 |
| Effingham, Illinois | 5 | $ 17,000 | $ 3,400 | $ 0 |
| McDonough, Illinois | 5 | $ 19,000 | $ 3,800 | $ 0 |
| Whiteside, Illinois | 5 | $ 15,000 | $ 3,000 | $ 0 |
| Woodford, Illinois | 5 | $ 16,000 | $ 3,200 | $ 0 |
| Hunterdon, New Jersey | 5 | $ 1,736,000 | $ 347,200 | $ 315,000 |
| Columbia, Pennsylvania | 5 | $ 879,000 | $ 175,800 | $ 54,000 |
| Sussex, Delaware | 4 | $ 733,000 | $ 183,250 | $ 108,000 |
| Brown, Illinois | 4 | $ 21,000 | $ 5,250 | $ 0 |
| Franklin, Illinois | 4 | $ 23,000 | $ 5,750 | $ 0 |
| Grundy, Illinois | 4 | $ 17,000 | $ 4,250 | $ 0 |
| Kankakee, Illinois | 4 | $ 20,000 | $ 5,000 | $ 0 |
| Macoupin, Illinois | 4 | $ 24,000 | $ 6,000 | $ 0 |
| Ogle, Illinois | 4 | $ 17,000 | $ 4,250 | $ 0 |
| Shelby, Illinois | 4 | $ 18,000 | $ 4,500 | $ 0 |
| Clearfield, Pennsylvania | 4 | $ 355,000 | $ 88,750 | $ 63,000 |
| Christian, Illinois | 3 | $ 15,000 | $ 5,000 | $ 0 |
| Jersey, Illinois | 3 | $ 11,000 | $ 3,666 | $ 0 |
| LaSalle, Illinois | 3 | $ 13,000 | $ 4,333 | $ 0 |
| McLean, Illinois | 3 | $ 20,000 | $ 6,666 | $ 0 |
| Perry, Illinois | 3 | $ 15,000 | $ 5,000 | $ 0 |
| Atlantic, New Jersey | 3 | $ 797,000 | $ 265,666 | $ 150,000 |
| Gloucester, New Jersey | 3 | $ 418,000 | $ 139,333 | $ 94,000 |
| Ocean, New Jersey | 3 | $ 578,000 | $ 192,666 | $ 268,000 |
| Franklin, Pennsylvania | 3 | $ 346,000 | $ 115,333 | $ 46,000 |
| Lackawanna, Pennsylvania | 3 | $ 326,000 | $ 108,666 | $ 117,000 |
| Pike, Pennsylvania | 3 | $ 153,000 | $ 51,000 | $ 48,000 |
| Susquehanna, Pennsylvania | 3 | $ 320,000 | $ 106,666 | $ 58,000 |
| Maricopa, Arizona | 2 | $ 31,000,000 | $ 15,500,000 | $ 0 |
| Ford, Illinois | 2 | $ 11,000 | $ 5,500 | $ 0 |
| Lee, Illinois | 2 | $ 6,000 | $ 3,000 | $ 0 |
| Mason, Illinois | 2 | $ 11,000 | $ 5,500 | $ 0 |
| Monroe, Illinois | 2 | $ 14,000 | $ 7,000 | $ 0 |
| Montgomery, Illinois | 2 | $ 13,000 | $ 6,500 | $ 0 |
| Harford, Maryland | 2 | $ 514,000 | $ 257,000 | $ 415,000 |
| Mercer, New Jersey | 2 | $ 509,000 | $ 254,500 | $ 118,000 |
| Allegheny, Pennsylvania | 2 | $ 282,000 | $ 141,000 | $ 52,000 |
| Blair, Pennsylvania | 2 | $ 215,000 | $ 107,500 | $ 89,000 |
| Clinton, Pennsylvania | 2 | $ 398,000 | $ 199,000 | $ 110,000 |
| Mifflin, Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 21,000 |
| Perry, Pennsylvania | 2 | $ 578,000 | $ 289,000 | $ 71,000 |
| Sacramento, California | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Kent, Delaware | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Pasco, Florida | 1 | $ 5,000 | $ 5,000 | $ 9,000 |
| Bond, Illinois | 1 | $ 10,000 | $ 10,000 | $ 0 |
| Boone, Illinois | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Hancock, Illinois | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Jefferson, Illinois | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Logan, Illinois | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Marion, Illinois | 1 | $ 4,000 | $ 4,000 | $ 0 |
| Menard, Illinois | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Morgan, Illinois | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Moultrie, Illinois | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Piatt, Illinois | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Pike, Illinois | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Randolph, Illinois | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Scott, Illinois | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Union, Illinois | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Frederick, Maryland | 1 | $ 312,000 | $ 312,000 | $ 151,000 |
| Burlington, New Jersey | 1 | $ 96,000 | $ 96,000 | $ 61,000 |
| Camden, New Jersey | 1 | $ 131,000 | $ 131,000 | $ 60,000 |
| Middlesex, New Jersey | 1 | $ 260,000 | $ 260,000 | $ 171,000 |
| Salem, New Jersey | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| Somerset, New Jersey | 1 | $ 165,000 | $ 165,000 | $ 151,000 |
| Warren, New Jersey | 1 | $ 4,000 | $ 4,000 | $ 37,000 |
| New York, New York | 1 | $ 2,330,000 | $ 2,330,000 | $ 0 |
| Seneca, New York | 1 | $ 8,000 | $ 8,000 | $ 133,000 |
| Armstrong, Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 0 |
| Huntingdon, Pennsylvania | 1 | $ 296,000 | $ 296,000 | $ 122,000 |
| Lawrence, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Venango, Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 0 |
| Wyoming, Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 386,000 |
Mortgage Loan Application Detail Totals for National Penn Bank in 2014
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 | 1,582 | $22,137,000 | $13,000 | $1,685,000 | $16,000 | $827,000 |
| Home Purchase | 1,400 | $208,565,000 | $148,000 | $2,000,000 | $78,000 | $2,069,000 |
| Refinancing | 478 | $116,884,000 | $244,000 | $25,000,000 | $97,000 | $3,473,000 |
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 | 1,531 | $228,170,000 | $149,000 | $2,000,000 | $93,000 | $2,069,000 |
| Not applicable | 1,294 | $67,861,000 | $52,000 | $25,000,000 | $0 | $84,000 |
| Hispanic | 316 | $21,144,000 | $66,000 | $330,000 | $37,000 | $140,000 |
| Not Provided | 194 | $18,929,000 | $97,000 | $863,000 | $103,000 | $3,473,000 |
| Black or African American | 92 | $7,758,000 | $84,000 | $417,000 | $49,000 | $292,000 |
| Asian | 28 | $3,465,000 | $123,000 | $531,000 | $73,000 | $388,000 |
| American Indian or Alaskan Native | 3 | $192,000 | $64,000 | $162,000 | $52,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $67,000 | $33,000 | $64,000 | $16,000 | $24,000 |
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) | 3,348 | $330,726,000 | $98,000 | $25,000,000 | $52,000 | $3,473,000 |
| FHA-insured (Federal Housing Administration) | 69 | $10,363,000 | $150,000 | $308,000 | $65,000 | $246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,815,000 | $145,000 | $235,000 | $50,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,682,000 | $168,000 | $238,000 | $53,000 | $129,000 |
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 | 1,630 | $279,713,000 | $171,000 | $25,000,000 | $83,000 | $3,473,000 |
| Loan Purchased By The Institution | 1,211 | $5,616,000 | $4,000 | $19,000 | $0 | $72,000 |
| Application Denied By Financial Institution | 329 | $25,483,000 | $77,000 | $900,000 | $60,000 | $1,053,000 |
| Application Withdrawn By Applicant | 202 | $25,396,000 | $125,000 | $1,649,000 | $86,000 | $725,000 |
| Application Approved But Not Accepted | 68 | $9,305,000 | $136,000 | $644,000 | $84,000 | $799,000 |
| Preapproval Denied by Financial Institution | 20 | $2,073,000 | $103,000 | $309,000 | $41,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 144 | $6,479,000 | $44,000 | $350,000 | $58,000 | $827,000 |
| Debt-To-Income Ratio | 88 | $6,418,000 | $72,000 | $417,000 | $37,000 | $184,000 |
| Collateral | 76 | $11,431,000 | $150,000 | $900,000 | $89,000 | $1,053,000 |
| Employment History | 15 | $713,000 | $47,000 | $135,000 | $37,000 | $99,000 |
| Other | 13 | $1,361,000 | $104,000 | $255,000 | $78,000 | $141,000 |
| Unverifiable Information | 9 | $816,000 | $90,000 | $324,000 | $59,000 | $128,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $162,000 | $54,000 | $70,000 | $30,000 | $34,000 |
| Credit Application Incomplete | 1 | $176,000 | $176,000 | $176,000 | $117,000 | $117,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into National Penn Bank's 2014 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.
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