Penn 1St Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Penn 1St Financial 2004 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 | Penn 1St Financial 690 Stockton Drive Exton, PA 19341 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,716 |
| Total Mortgage Loan Application Amount | $280,576,000 |
| Average Mortgage Loan Application Amount | $240,578 |
| Highest Mortgage Loan Application Amount | $1,880,000 |
| Average Applicant Income | $148,578 |
| Highest Applicant Income | $1,708,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Penn 1St Financial. 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 Penn 1St Financial's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Penn 1St Financial'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 Penn 1St Financial serves its applicants.
Each category highlights the total number of mortgage applications processed by Penn 1St Financial, 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 Penn 1St Financial's mortgage activity for 2004.
| 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 | 369 | $ 39,906,000 | $ 108,000 | $ 48,000 |
| Chester County Pennsylvania | 232 | $ 41,594,000 | $ 179,000 | $ 82,000 |
| Montgomery County Pennsylvania | 219 | $ 37,332,000 | $ 170,000 | $ 85,000 |
| Bucks County Pennsylvania | 126 | $ 26,742,000 | $ 212,000 | $ 99,000 |
| Lehigh County Pennsylvania | 105 | $ 14,177,000 | $ 135,000 | $ 59,000 |
| Philadelphia County Pennsylvania | 96 | $ 11,076,000 | $ 115,000 | $ 70,000 |
| Lancaster County Pennsylvania | 74 | $ 11,092,000 | $ 149,000 | $ 89,000 |
| Delaware County Pennsylvania | 71 | $ 11,985,000 | $ 168,000 | $ 108,000 |
| New Castle County Delaware | 53 | $ 8,827,000 | $ 166,000 | $ 87,000 |
| Northampton County Pennsylvania | 43 | $ 6,750,000 | $ 156,000 | $ 82,000 |
| Cape May County New Jersey | 28 | $ 8,274,000 | $ 295,000 | $ 129,000 |
| Baltimore County Maryland | 18 | $ 3,189,000 | $ 177,000 | $ 135,000 |
| Atlantic County New Jersey | 17 | $ 7,383,000 | $ 434,000 | $ 204,000 |
| Dauphin County Pennsylvania | 14 | $ 1,678,000 | $ 119,000 | $ 64,000 |
| Cumberland County Pennsylvania | 13 | $ 1,806,000 | $ 138,000 | $ 78,000 |
| Fairfax County Virginia | 12 | $ 4,185,000 | $ 348,000 | $ 117,000 |
| Anne Arundel County Maryland | 11 | $ 2,214,000 | $ 201,000 | $ 170,000 |
| Baltimore City County Maryland | 11 | $ 1,007,000 | $ 91,000 | $ 86,000 |
| Prince William County Virginia | 11 | $ 2,928,000 | $ 266,000 | $ 103,000 |
| Prince George's County Maryland | 9 | $ 1,792,000 | $ 199,000 | $ 75,000 |
| Worcester County Maryland | 9 | $ 1,921,000 | $ 213,000 | $ 139,000 |
| Montgomery County Maryland | 8 | $ 2,111,000 | $ 263,000 | $ 82,000 |
| Lebanon County Pennsylvania | 8 | $ 985,000 | $ 123,000 | $ 42,000 |
| Sussex County Delaware | 6 | $ 1,954,000 | $ 325,000 | $ 144,000 |
| Cecil County Maryland | 6 | $ 1,461,000 | $ 243,000 | $ 219,000 |
| York County Pennsylvania | 6 | $ 1,107,000 | $ 184,000 | $ 89,000 |
| Loudoun County Virginia | 6 | $ 2,012,000 | $ 335,000 | $ 83,000 |
| Carroll County Maryland | 5 | $ 864,000 | $ 172,000 | $ 110,000 |
| Howard County Maryland | 5 | $ 1,524,000 | $ 304,000 | $ 58,000 |
| Mercer County New Jersey | 5 | $ 583,000 | $ 116,000 | $ 79,000 |
| Carbon County Pennsylvania | 5 | $ 736,000 | $ 147,000 | $ 61,000 |
| Allegany County Maryland | 4 | $ 375,000 | $ 93,000 | $ 42,000 |
| Harford County Maryland | 4 | $ 324,000 | $ 81,000 | $ 45,000 |
| Burlington County New Jersey | 4 | $ 680,000 | $ 170,000 | $ 105,000 |
| Somerset County New Jersey | 4 | $ 802,000 | $ 200,000 | $ 71,000 |
| Monroe County Pennsylvania | 4 | $ 553,000 | $ 138,000 | $ 136,000 |
| Perry County Pennsylvania | 4 | $ 345,000 | $ 86,000 | $ 59,000 |
| Pike County Pennsylvania | 4 | $ 782,000 | $ 195,000 | $ 69,000 |
| Greenville County South Carolina | 4 | $ 483,000 | $ 120,000 | $ 54,000 |
| Fauquier County Virginia | 4 | $ 1,252,000 | $ 313,000 | $ 111,000 |
| Camden County New Jersey | 3 | $ 589,000 | $ 196,000 | $ 99,000 |
| Gloucester County New Jersey | 3 | $ 417,000 | $ 139,000 | $ 74,000 |
| Ocean County New Jersey | 3 | $ 561,000 | $ 187,000 | $ 101,000 |
| Franklin County Pennsylvania | 3 | $ 356,000 | $ 118,000 | $ 55,000 |
| Stafford County Virginia | 3 | $ 820,000 | $ 273,000 | $ 102,000 |
| Kent County Delaware | 2 | $ 204,000 | $ 102,000 | $ 39,000 |
| Calvert County Maryland | 2 | $ 434,000 | $ 217,000 | $ 85,000 |
| St. Mary's County Maryland | 2 | $ 422,000 | $ 211,000 | $ 116,000 |
| Bergen County New Jersey | 2 | $ 552,000 | $ 276,000 | $ 49,000 |
| Hunterdon County New Jersey | 2 | $ 675,000 | $ 337,000 | $ 143,000 |
| New York County New York | 2 | $ 1,093,000 | $ 546,000 | $ 937,000 |
| Adams County Pennsylvania | 2 | $ 222,000 | $ 111,000 | $ 42,000 |
| Allegheny County Pennsylvania | 2 | $ 205,000 | $ 102,000 | $ 46,000 |
| Cambria County Pennsylvania | 2 | $ 135,000 | $ 67,000 | $ 38,000 |
| Centre County Pennsylvania | 2 | $ 299,000 | $ 149,000 | $ 68,000 |
| Luzerne County Pennsylvania | 2 | $ 212,000 | $ 106,000 | $ 84,000 |
| Chesapeake County Virginia | 2 | $ 361,000 | $ 180,000 | $ 93,000 |
| Culpeper County Virginia | 2 | $ 910,000 | $ 455,000 | $ 130,000 |
| District of Columbia County District Of Columbia | 1 | $ 473,000 | $ 473,000 | $ 178,000 |
| Charles County Maryland | 1 | $ 163,000 | $ 163,000 | $ 45,000 |
| Dorchester County Maryland | 1 | $ 650,000 | $ 650,000 | $ 181,000 |
| Frederick County Maryland | 1 | $ 113,000 | $ 113,000 | $ 58,000 |
| Queen Anne's County Maryland | 1 | $ 162,000 | $ 162,000 | $ 100,000 |
| Somerset County Maryland | 1 | $ 70,000 | $ 70,000 | $ 65,000 |
| Talbot County Maryland | 1 | $ 1,225,000 | $ 1,225,000 | $ 190,000 |
| Cumberland County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Essex County New Jersey | 1 | $ 134,000 | $ 134,000 | $ 141,000 |
| Hudson County New Jersey | 1 | $ 220,000 | $ 220,000 | $ 98,000 |
| Middlesex County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
| Monmouth County New Jersey | 1 | $ 274,000 | $ 274,000 | $ 101,000 |
| Passaic County New Jersey | 1 | $ 277,000 | $ 277,000 | $ 85,000 |
| Sussex County New Jersey | 1 | $ 96,000 | $ 96,000 | $ 61,000 |
| Union County New Jersey | 1 | $ 196,000 | $ 196,000 | $ 47,000 |
| Blair County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 47,000 |
| Bradford County Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 83,000 |
| Columbia County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 27,000 |
| Fulton County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 67,000 |
| Greene County Pennsylvania | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Huntingdon County Pennsylvania | 1 | $ 166,000 | $ 166,000 | $ 115,000 |
| Juniata County Pennsylvania | 1 | $ 228,000 | $ 228,000 | $ 49,000 |
| Mifflin County Pennsylvania | 1 | $ 51,000 | $ 51,000 | $ 47,000 |
| Montour County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Schuylkill County Pennsylvania | 1 | $ 53,000 | $ 53,000 | $ 37,000 |
| Beaufort County South Carolina | 1 | $ 270,000 | $ 270,000 | $ 140,000 |
| Edgefield County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Greenwood County South Carolina | 1 | $ 22,000 | $ 22,000 | $ 74,000 |
| Laurens County South Carolina | 1 | $ 114,000 | $ 114,000 | $ 44,000 |
| Spartanburg County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 80,000 |
| Accomack County Virginia | 1 | $ 120,000 | $ 120,000 | $ 65,000 |
| Arlington County Virginia | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Chesterfield County Virginia | 1 | $ 180,000 | $ 180,000 | $ 92,000 |
| Louisa County Virginia | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Manassas Park County Virginia | 1 | $ 114,000 | $ 114,000 | $ 46,000 |
| Orange County Virginia | 1 | $ 168,000 | $ 168,000 | $ 40,000 |
| Richmond City County Virginia | 1 | $ 217,000 | $ 217,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Penn 1St Financial 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 | 1,144 | $189,291,000 | $234,857 | $1,155,000 | $100,000 | $1,400,000 |
| Home Purchase | 561 | $88,689,000 | $249,875 | $1,880,000 | $204,625 | $1,708,000 |
| Home Improvement | 11 | $2,596,000 | $232,000 | $625,000 | $121,500 | $249,000 |
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 | 1,422 | $233,713,000 | $246,571 | $1,880,000 | $217,285 | $1,708,000 |
| Not Provided | 152 | $25,721,000 | $271,142 | $1,155,000 | $110,714 | $606,000 |
| Black or African American | 65 | $9,511,000 | $182,500 | $624,000 | $66,666 | $639,000 |
| Hispanic | 41 | $5,569,000 | $268,500 | $618,000 | $87,000 | $511,000 |
| Asian | 26 | $4,392,000 | $210,333 | $455,000 | $77,333 | $168,000 |
| American Indian or Alaskan Native | 5 | $787,000 | $239,000 | $376,000 | $128,500 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $714,000 | $208,000 | $334,000 | $78,333 | $97,000 |
| Not applicable | 1 | $169,000 | $169,000 | $169,000 | $98,000 | $98,000 |
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) | 1,694 | $278,803,000 | $263,666 | $1,880,000 | $192,000 | $1,708,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,773,000 | $80,000 | $162,000 | $33,000 | $80,000 |
| 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 | 1,326 | $212,259,000 | $244,625 | $1,225,000 | $187,000 | $1,400,000 |
| Application Withdrawn By Applicant | 156 | $24,753,000 | $316,142 | $1,313,000 | $240,571 | $1,708,000 |
| Application Approved But Not Accepted | 117 | $21,632,000 | $237,500 | $1,155,000 | $93,000 | $319,000 |
| Application Denied By Financial Institution | 116 | $21,801,000 | $389,500 | $1,880,000 | $157,166 | $530,000 |
| Preapproval Denied by Financial Institution | 1 | $131,000 | $131,000 | $131,000 | $44,000 | $44,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 35 | $6,779,000 | $287,500 | $750,000 | $139,000 | $300,000 |
| Credit History | 34 | $5,563,000 | $364,500 | $996,000 | $148,750 | $354,000 |
| Collateral | 30 | $4,657,000 | $152,333 | $700,000 | $104,666 | $431,000 |
| Mortgage Insurance Denied | 9 | $3,854,000 | $855,666 | $1,880,000 | $245,333 | $530,000 |
| Unverifiable Information | 4 | $628,000 | $215,500 | $333,000 | $61,000 | $97,000 |
| Employment History | 3 | $261,000 | $87,000 | $130,000 | $32,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $100,000 | $75,000 | $135,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Penn 1St Financial'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 Penn 1St Financial'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.