Penn 1St Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Penn 1St Financial 2005 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 | 2,053 |
| Total Mortgage Loan Application Amount | $376,425,000 |
| Average Mortgage Loan Application Amount | $259,290 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $306,870 |
| Highest Applicant Income | $6,362,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 390 | $ 46,996,000 | $ 120,000 | $ 51,000 |
| Chester County Pennsylvania | 250 | $ 51,133,000 | $ 204,000 | $ 88,000 |
| Montgomery County Pennsylvania | 191 | $ 34,942,000 | $ 182,000 | $ 116,000 |
| Lehigh County Pennsylvania | 159 | $ 22,442,000 | $ 141,000 | $ 82,000 |
| Philadelphia County Pennsylvania | 140 | $ 21,724,000 | $ 155,000 | $ 79,000 |
| Bucks County Pennsylvania | 113 | $ 28,008,000 | $ 247,000 | $ 114,000 |
| Lancaster County Pennsylvania | 89 | $ 13,181,000 | $ 148,000 | $ 61,000 |
| Delaware County Pennsylvania | 81 | $ 12,662,000 | $ 156,000 | $ 83,000 |
| Northampton County Pennsylvania | 53 | $ 10,068,000 | $ 189,000 | $ 87,000 |
| Prince William County Virginia | 53 | $ 14,103,000 | $ 266,000 | $ 94,000 |
| Cape May County New Jersey | 30 | $ 11,281,000 | $ 376,000 | $ 189,000 |
| New Castle County Delaware | 29 | $ 4,933,000 | $ 170,000 | $ 81,000 |
| Baltimore County Maryland | 28 | $ 7,437,000 | $ 265,000 | $ 186,000 |
| Fairfax County Virginia | 27 | $ 8,919,000 | $ 330,000 | $ 127,000 |
| Loudoun County Virginia | 26 | $ 6,513,000 | $ 250,000 | $ 126,000 |
| Camden County New Jersey | 23 | $ 5,062,000 | $ 220,000 | $ 125,000 |
| Baltimore City County Maryland | 20 | $ 4,939,000 | $ 246,000 | $ 231,000 |
| Atlantic County New Jersey | 16 | $ 4,260,000 | $ 266,000 | $ 249,000 |
| Montgomery County Maryland | 13 | $ 4,958,000 | $ 381,000 | $ 154,000 |
| Gloucester County New Jersey | 13 | $ 2,271,000 | $ 174,000 | $ 72,000 |
| Centre County Pennsylvania | 13 | $ 1,914,000 | $ 147,000 | $ 106,000 |
| Cecil County Maryland | 12 | $ 2,831,000 | $ 235,000 | $ 150,000 |
| Prince George's County Maryland | 11 | $ 2,224,000 | $ 202,000 | $ 121,000 |
| Carbon County Pennsylvania | 11 | $ 947,000 | $ 86,000 | $ 41,000 |
| Burlington County New Jersey | 10 | $ 1,926,000 | $ 192,000 | $ 74,000 |
| Anne Arundel County Maryland | 9 | $ 1,799,000 | $ 199,000 | $ 118,000 |
| Mercer County New Jersey | 9 | $ 1,976,000 | $ 219,000 | $ 92,000 |
| Dauphin County Pennsylvania | 8 | $ 1,148,000 | $ 143,000 | $ 107,000 |
| Lebanon County Pennsylvania | 8 | $ 1,130,000 | $ 141,000 | $ 61,000 |
| Monroe County Pennsylvania | 8 | $ 1,143,000 | $ 142,000 | $ 66,000 |
| Schuylkill County Pennsylvania | 8 | $ 1,077,000 | $ 134,000 | $ 101,000 |
| District of Columbia County District Of Columbia | 7 | $ 3,288,000 | $ 469,000 | $ 159,000 |
| York County Pennsylvania | 7 | $ 853,000 | $ 121,000 | $ 55,000 |
| Calvert County Maryland | 6 | $ 950,000 | $ 158,000 | $ 88,000 |
| Frederick County Maryland | 6 | $ 1,930,000 | $ 321,000 | $ 103,000 |
| Monmouth County New Jersey | 6 | $ 2,901,000 | $ 483,000 | $ 228,000 |
| Cumberland County Pennsylvania | 6 | $ 778,000 | $ 129,000 | $ 94,000 |
| Culpeper County Virginia | 6 | $ 1,415,000 | $ 235,000 | $ 160,000 |
| Sussex County Delaware | 5 | $ 1,020,000 | $ 204,000 | $ 101,000 |
| Forsyth County North Carolina | 5 | $ 557,000 | $ 111,000 | $ 55,000 |
| Luzerne County Pennsylvania | 5 | $ 528,000 | $ 105,000 | $ 53,000 |
| Alexandria County Virginia | 5 | $ 1,218,000 | $ 243,000 | $ 54,000 |
| Broward County Florida | 4 | $ 781,000 | $ 195,000 | $ 85,000 |
| Carroll County Maryland | 4 | $ 607,000 | $ 151,000 | $ 60,000 |
| Harford County Maryland | 4 | $ 584,000 | $ 146,000 | $ 55,000 |
| Wake County North Carolina | 4 | $ 645,000 | $ 161,000 | $ 82,000 |
| Arlington County Virginia | 4 | $ 924,000 | $ 231,000 | $ 174,000 |
| Norfolk County Virginia | 4 | $ 314,000 | $ 78,000 | $ 169,000 |
| Seminole County Florida | 3 | $ 304,000 | $ 101,000 | $ 133,000 |
| Howard County Maryland | 3 | $ 682,000 | $ 227,000 | $ 95,000 |
| Hunterdon County New Jersey | 3 | $ 814,000 | $ 271,000 | $ 114,000 |
| Middlesex County New Jersey | 3 | $ 707,000 | $ 235,000 | $ 91,000 |
| Guilford County North Carolina | 3 | $ 598,000 | $ 199,000 | $ 103,000 |
| Lackawanna County Pennsylvania | 3 | $ 418,000 | $ 139,000 | $ 118,000 |
| Lycoming County Pennsylvania | 3 | $ 123,000 | $ 41,000 | $ 130,000 |
| Horry County South Carolina | 3 | $ 390,000 | $ 130,000 | $ 10,000 |
| Fauquier County Virginia | 3 | $ 613,000 | $ 204,000 | $ 113,000 |
| Manassas County Virginia | 3 | $ 700,000 | $ 233,000 | $ 116,000 |
| Stafford County Virginia | 3 | $ 806,000 | $ 268,000 | $ 93,000 |
| Manatee County Florida | 2 | $ 392,000 | $ 196,000 | $ 398,000 |
| Osceola County Florida | 2 | $ 488,000 | $ 244,000 | $ 57,000 |
| Palm Beach County Florida | 2 | $ 745,000 | $ 372,000 | $ 171,000 |
| Cook County Illinois | 2 | $ 529,000 | $ 264,000 | $ 150,000 |
| Allegany County Maryland | 2 | $ 200,000 | $ 100,000 | $ 91,000 |
| Charles County Maryland | 2 | $ 450,000 | $ 225,000 | $ 80,000 |
| Washington County Maryland | 2 | $ 282,000 | $ 141,000 | $ 42,000 |
| Bergen County New Jersey | 2 | $ 1,623,000 | $ 811,000 | $ 346,000 |
| Ocean County New Jersey | 2 | $ 369,000 | $ 184,000 | $ 57,000 |
| Salem County New Jersey | 2 | $ 252,000 | $ 126,000 | $ 65,000 |
| Somerset County New Jersey | 2 | $ 464,000 | $ 232,000 | $ 131,000 |
| Union County New Jersey | 2 | $ 384,000 | $ 192,000 | $ 91,000 |
| Madison County New York | 2 | $ 392,000 | $ 196,000 | $ 114,000 |
| Allegheny County Pennsylvania | 2 | $ 127,000 | $ 63,000 | $ 46,000 |
| Perry County Pennsylvania | 2 | $ 271,000 | $ 135,000 | $ 68,000 |
| Chesapeake County Virginia | 2 | $ 337,000 | $ 168,000 | $ 34,000 |
| Clarke County Virginia | 2 | $ 623,000 | $ 311,000 | $ 83,000 |
| Frederick County Virginia | 2 | $ 213,000 | $ 106,000 | $ 53,000 |
| Spotsylvania County Virginia | 2 | $ 411,000 | $ 205,000 | $ 82,000 |
| Berkeley County West Virginia | 2 | $ 368,000 | $ 184,000 | $ 74,000 |
| Yavapai County Arizona | 1 | $ 194,000 | $ 194,000 | $ 76,000 |
| San Diego County California | 1 | $ 700,000 | $ 700,000 | $ 6,362,000 |
| Fairfield County Connecticut | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Kent County Delaware | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Brevard County Florida | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Collier County Florida | 1 | $ 389,000 | $ 389,000 | $ 108,000 |
| Duval County Florida | 1 | $ 149,000 | $ 149,000 | $ 39,000 |
| Hernando County Florida | 1 | $ 75,000 | $ 75,000 | $ 15,000 |
| Pinellas County Florida | 1 | $ 82,000 | $ 82,000 | $ 55,000 |
| Polk County Florida | 1 | $ 90,000 | $ 90,000 | $ 68,000 |
| Volusia County Florida | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Dorchester County Maryland | 1 | $ 108,000 | $ 108,000 | $ 24,000 |
| Queen Anne's County Maryland | 1 | $ 262,000 | $ 262,000 | $ 116,000 |
| St. Mary's County Maryland | 1 | $ 146,000 | $ 146,000 | $ 100,000 |
| Worcester County Maryland | 1 | $ 279,000 | $ 279,000 | $ 63,000 |
| Essex County New Jersey | 1 | $ 430,000 | $ 430,000 | $ 90,000 |
| Passaic County New Jersey | 1 | $ 280,000 | $ 280,000 | $ 282,000 |
| Sussex County New Jersey | 1 | $ 289,000 | $ 289,000 | $ 90,000 |
| New York County New York | 1 | $ 224,000 | $ 224,000 | $ 312,000 |
| Oswego County New York | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 174,000 |
| Mecklenburg County North Carolina | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Randolph County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Bradford County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
| Franklin County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 48,000 |
| Fulton County Pennsylvania | 1 | $ 122,000 | $ 122,000 | $ 67,000 |
| Huntingdon County Pennsylvania | 1 | $ 174,000 | $ 174,000 | $ 39,000 |
| Northumberland County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 77,000 |
| Warren County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Wayne County Pennsylvania | 1 | $ 670,000 | $ 670,000 | $ 264,000 |
| Westmoreland County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 57,000 |
| Beaufort County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Accomack County Virginia | 1 | $ 500,000 | $ 500,000 | $ 227,000 |
| Portsmouth County Virginia | 1 | $ 153,000 | $ 153,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Penn 1St Financial in 2005
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 Purchase | 1,073 | $184,185,000 | $218,714 | $2,450,000 | $119,214 | $1,842,000 |
| Refinancing | 915 | $178,437,000 | $279,900 | $2,800,000 | $705,800 | $6,362,000 |
| Home Improvement | 65 | $13,803,000 | $311,000 | $780,000 | $112,285 | $324,000 |
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 | 1,661 | $312,216,000 | $256,133 | $2,800,000 | $515,000 | $6,362,000 |
| Black or African American | 111 | $18,705,000 | $251,333 | $1,000,000 | $91,444 | $245,000 |
| Not Provided | 110 | $16,649,000 | $169,500 | $499,000 | $54,750 | $773,000 |
| Hispanic | 106 | $15,057,000 | $175,000 | $620,000 | $65,833 | $198,000 |
| Asian | 61 | $12,962,000 | $215,142 | $721,000 | $146,714 | $410,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $696,000 | $251,500 | $310,000 | $76,500 | $107,000 |
| American Indian or Alaskan Native | 1 | $140,000 | $140,000 | $140,000 | $35,000 | $35,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,045 | $375,686,000 | $248,687 | $2,800,000 | $483,125 | $6,362,000 |
| FHA-insured (Federal Housing Administration) | 8 | $739,000 | $92,000 | $196,000 | $32,000 | $71,000 |
| 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 | 1,632 | $298,092,000 | $269,928 | $1,671,000 | $543,928 | $6,362,000 |
| Application Approved But Not Accepted | 162 | $30,623,000 | $168,222 | $2,800,000 | $81,444 | $1,677,000 |
| Application Withdrawn By Applicant | 157 | $31,933,000 | $329,166 | $2,450,000 | $193,500 | $1,842,000 |
| Application Denied By Financial Institution | 95 | $15,287,000 | $209,750 | $1,510,000 | $86,500 | $461,000 |
| Preapproval Denied by Financial Institution | 7 | $490,000 | $70,000 | $131,000 | $36,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 40 | $5,308,000 | $124,500 | $575,000 | $47,666 | $192,000 |
| Collateral | 35 | $5,043,000 | $205,166 | $552,000 | $207,500 | $461,000 |
| Debt-To-Income Ratio | 15 | $2,422,000 | $173,500 | $342,000 | $56,666 | $102,000 |
| Employment History | 6 | $777,000 | $167,000 | $360,000 | $77,000 | $132,000 |
| Mortgage Insurance Denied | 3 | $1,852,000 | $617,333 | $1,510,000 | $178,000 | $432,000 |
| Unverifiable Information | 3 | $375,000 | $163,000 | $278,000 | $72,000 | $74,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Penn 1St Financial's 2005 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.
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with aggregated HMDA statistics today.