Parkvale Savings Bank Mortgage Lending & HMDA Data, 2004
In 2004, Parkvale Savings Bank of Monroeville, PA reported 1,999 mortgage applications totaling $226.0 million, down 39% from 2003. The average application was for $113,065, and applicants reported an average income of $83,551. 64% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Pittsburgh, PA (1,690), Chicago-Naperville-Joliet, IL (29) and Phoenix-Mesa-Scottsdale, AZ (11) (applications in parentheses).
| Mortgage Company & Address | Parkvale Savings Bank 4220 William Penn Highway Monroeville, PA 15146 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,999 |
| Total Mortgage Loan Application Amount | $226,018,000 |
| Average Mortgage Loan Application Amount | $113,065 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $83,551 |
| Highest Applicant Income | $7,106,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Parkvale Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,690 | $ 106,563,000 | $ 63,055 | $ 75,000 |
| Chicago-Naperville-Joliet, IL | 29 | $ 14,405,000 | $ 496,724 | $ 140,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 4,236,000 | $ 385,090 | $ 142,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 4,087,000 | $ 408,700 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 10 | $ 4,671,000 | $ 467,100 | $ 196,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 4,664,000 | $ 466,400 | $ 99,000 |
| Denver-Aurora, CO | 8 | $ 2,441,000 | $ 305,125 | $ 166,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 3,554,000 | $ 444,250 | $ 104,000 |
| Bethesda-Frederick-Gaithersburg, MD | 7 | $ 4,170,000 | $ 595,714 | $ 81,000 |
| Houston-Baytown-Sugar Land, TX | 7 | $ 3,534,000 | $ 504,857 | $ 153,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 3,638,000 | $ 519,714 | $ 159,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,442,000 | $ 407,000 | $ 223,000 |
| Warren-Farmington Hills-Troy, MI | 6 | $ 2,993,000 | $ 498,833 | $ 103,000 |
| Baltimore-Towson, MD | 5 | $ 2,337,000 | $ 467,400 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 2,820,000 | $ 564,000 | $ 85,000 |
| Austin-Round Rock, TX | 4 | $ 1,440,000 | $ 360,000 | $ 96,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,913,000 | $ 478,250 | $ 115,000 |
| Boulder, CO | 3 | $ 1,093,000 | $ 364,333 | $ 184,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,525,000 | $ 508,333 | $ 137,000 |
| Charleston-North Charleston, SC | 3 | $ 676,000 | $ 225,333 | $ 216,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,439,000 | $ 479,666 | $ 40,000 |
| Las Vegas-Paradise, NV | 3 | $ 904,000 | $ 301,333 | $ 135,000 |
| Reno-Sparks, NV | 3 | $ 901,000 | $ 300,333 | $ 57,000 |
| Richmond, VA | 3 | $ 698,000 | $ 232,666 | $ 74,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 942,000 | $ 314,000 | $ 211,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 961,000 | $ 320,333 | $ 79,000 |
| Akron, OH | 2 | $ 431,000 | $ 215,500 | $ 102,000 |
| Ann Arbor, MI | 2 | $ 1,398,000 | $ 699,000 | $ 63,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 555,000 | $ 277,500 | $ 24,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 897,000 | $ 448,500 | $ 92,000 |
| Colorado Springs, CO | 2 | $ 897,000 | $ 448,500 | $ 131,000 |
| Columbus, OH | 2 | $ 486,000 | $ 243,000 | $ 129,000 |
| Edison, NJ | 2 | $ 775,000 | $ 387,500 | $ 0 |
| Flagstaff, AZ | 2 | $ 460,000 | $ 230,000 | $ 59,000 |
| Fort Worth-Arlington, TX | 2 | $ 586,000 | $ 293,000 | $ 184,000 |
| Jacksonville, FL | 2 | $ 382,000 | $ 191,000 | $ 26,000 |
| Kansas City, MO-KS | 2 | $ 734,000 | $ 367,000 | $ 96,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,055,000 | $ 527,500 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 769,000 | $ 384,500 | $ 267,000 |
| Provo-Orem, UT | 2 | $ 479,000 | $ 239,500 | $ 46,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 984,000 | $ 492,000 | $ 78,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 1,147,000 | $ 573,500 | $ 171,000 |
| St. Louis, MO-IL | 2 | $ 1,176,000 | $ 588,000 | $ 251,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 824,000 | $ 412,000 | $ 162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 578,000 | $ 289,000 | $ 80,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 840,000 | $ 420,000 | $ 83,000 |
| Bend, OR | 1 | $ 183,000 | $ 183,000 | $ 45,000 |
| Bloomington-Normal, IL | 1 | $ 130,000 | $ 130,000 | $ 140,000 |
| Champaign-Urbana, IL | 1 | $ 433,000 | $ 433,000 | $ 321,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 437,000 | $ 437,000 | $ 137,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 558,000 | $ 558,000 | $ 280,000 |
| Columbia, SC | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 449,000 | $ 449,000 | $ 132,000 |
| Durham, NC | 1 | $ 347,000 | $ 347,000 | $ 138,000 |
| El Centro, CA | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 197,000 | $ 197,000 | $ 74,000 |
| Fort Smith, AR-OK | 1 | $ 552,000 | $ 552,000 | $ 255,000 |
| Fort Wayne, IN | 1 | $ 156,000 | $ 156,000 | $ 146,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 110,000 | $ 110,000 | $ 104,000 |
| Honolulu, HI | 1 | $ 280,000 | $ 280,000 | $ 72,000 |
| Lansing-East Lansing, MI | 1 | $ 777,000 | $ 777,000 | $ 552,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 168,000 | $ 168,000 | $ 172,000 |
| Naples-Marco Island, FL | 1 | $ 467,000 | $ 467,000 | $ 181,000 |
| New Haven-Milford, CT | 1 | $ 233,000 | $ 233,000 | $ 118,000 |
| Newark-Union, NJ-PA | 1 | $ 407,000 | $ 407,000 | $ 196,000 |
| Orlando, FL | 1 | $ 292,000 | $ 292,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 608,000 | $ 608,000 | $ 176,000 |
| Rocky Mount, NC | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| San Antonio, TX | 1 | $ 467,000 | $ 467,000 | $ 180,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 398,000 | $ 398,000 | $ 103,000 |
| Savannah, GA | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Tacoma, WA | 1 | $ 259,000 | $ 259,000 | $ 70,000 |
| Topeka, KS | 1 | $ 439,000 | $ 439,000 | $ 140,000 |
| Tucson, AZ | 1 | $ 506,000 | $ 506,000 | $ 153,000 |
| Wilmington, NC | 1 | $ 114,000 | $ 114,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Parkvale Savings Bank in 2004
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 | 877 | $111,575,000 | $395,633 | $988,000 | $137,866 | $660,000 |
| Home Improvement | 698 | $25,777,000 | $36,000 | $520,000 | $88,000 | $1,359,000 |
| Home Purchase | 424 | $88,666,000 | $358,111 | $1,120,000 | $137,296 | $7,106,000 |
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 | 1,566 | $91,374,000 | $40,500 | $600,000 | $46,500 | $538,000 |
| Not applicable | 312 | $125,637,000 | $388,516 | $1,000,000 | $151,774 | $7,106,000 |
| Not Provided | 43 | $4,040,000 | $594,500 | $1,120,000 | $350,500 | $654,000 |
| Black or African American | 35 | $758,000 | $21,000 | $70,000 | $49,000 | $115,000 |
| Asian | 29 | $3,324,000 | $114,000 | $500,000 | $115,000 | $272,000 |
| American Indian or Alaskan Native | 6 | $259,000 | $43,000 | $85,000 | $38,000 | $73,000 |
| Hispanic | 5 | $264,000 | $52,000 | $121,000 | $46,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $362,000 | $120,000 | $225,000 | $105,000 | $130,000 |
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) | 1,995 | $225,917,000 | $379,290 | $1,120,000 | $148,548 | $7,106,000 |
| FHA-insured (Federal Housing Administration) | 4 | $101,000 | $25,000 | $52,000 | $31,000 | $58,000 |
| 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 | 1,286 | $85,880,000 | $402,666 | $1,120,000 | $249,333 | $7,106,000 |
| Loan Purchased By The Institution | 287 | $117,551,000 | $386,935 | $988,000 | $148,129 | $1,170,000 |
| Application Denied By Financial Institution | 258 | $10,624,000 | $41,000 | $500,000 | $48,000 | $440,000 |
| Application Withdrawn By Applicant | 99 | $7,000,000 | $70,000 | $800,000 | $67,000 | $257,000 |
| Application Approved But Not Accepted | 65 | $4,608,000 | $70,000 | $490,000 | $60,000 | $191,000 |
| File Closed For Incompleteness | 4 | $355,000 | $88,000 | $101,000 | $60,000 | $140,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 105 | $4,110,000 | $39,000 | $500,000 | $40,000 | $175,000 |
| Credit History | 98 | $3,214,000 | $32,000 | $180,000 | $46,000 | $122,000 |
| Collateral | 32 | $2,106,000 | $65,000 | $300,000 | $47,000 | $440,000 |
| Other | 13 | $963,000 | $74,000 | $222,000 | $88,000 | $163,000 |
| Employment History | 8 | $136,000 | $17,000 | $25,000 | $41,000 | $115,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Parkvale Savings Bank's 2004 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 Parkvale Savings 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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