PNC Bank Delaware Mortgage Lending & HMDA Data, 2007
In 2007, PNC Bank Delaware of Pittsburgh, PA reported 1,704 mortgage applications totaling $152.2 million, down 24% from 2006. The average application was for $89,309, and applicants reported an average income of $75,072. 45% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Wilmington, DE-MD-NJ (991), Dover, DE (303) and Philadelphia, PA (34) (applications in parentheses).
| Mortgage Company & Address | PNC Bank Delaware 249 Fifth Ave. Ms P1-Popp-22-2 Pittsburgh, PA 15222 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,704 |
| Total Mortgage Loan Application Amount | $152,184,000 |
| Average Mortgage Loan Application Amount | $89,309 |
| Highest Mortgage Loan Application Amount | $840,000 |
| Average Applicant Income | $75,072 |
| Highest Applicant Income | $1,275,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records PNC Bank Delaware filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wilmington, DE-MD-NJ | 991 | $ 65,970,000 | $ 66,569 | $ 85,072 |
| Dover, DE | 303 | $ 18,986,000 | $ 62,660 | $ 69,000 |
| Philadelphia, PA | 34 | $ 2,568,000 | $ 75,529 | $ 85,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 3,093,000 | $ 515,500 | $ 0 |
| Camden, NJ | 5 | $ 264,000 | $ 52,800 | $ 66,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 2,493,000 | $ 498,600 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,634,000 | $ 526,800 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 2,363,000 | $ 472,600 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 2,109,000 | $ 527,250 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,830,000 | $ 457,500 | $ 0 |
| Baltimore-Towson, MD | 3 | $ 1,062,000 | $ 354,000 | $ 24,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,017,000 | $ 339,000 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,911,000 | $ 637,000 | $ 0 |
| Newark-Union, NJ-PA | 3 | $ 1,481,000 | $ 493,666 | $ 0 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,388,000 | $ 462,666 | $ 0 |
| Salisbury, MD | 3 | $ 867,000 | $ 289,000 | $ 93,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 928,000 | $ 464,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 943,000 | $ 471,500 | $ 0 |
| Nassau-Suffolk, NY | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 1,120,000 | $ 560,000 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 880,000 | $ 440,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,173,000 | $ 586,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 898,000 | $ 449,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 873,000 | $ 436,500 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 1,059,000 | $ 529,500 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 1,011,000 | $ 505,500 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Boston-Quincy, MA | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 457,000 | $ 457,000 | $ 0 |
| Edison, NJ | 1 | $ 469,000 | $ 469,000 | $ 0 |
| Fresno, CA | 1 | $ 423,000 | $ 423,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 442,000 | $ 442,000 | $ 0 |
| Jacksonville, NC | 1 | $ 429,000 | $ 429,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 541,000 | $ 541,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 671,000 | $ 671,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 470,000 | $ 470,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 58,000 | $ 58,000 | $ 122,000 |
| Orlando-Kissimmee, FL | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 466,000 | $ 466,000 | $ 0 |
| Richmond, VA | 1 | $ 469,000 | $ 469,000 | $ 0 |
| Salinas, CA | 1 | $ 647,000 | $ 647,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 578,000 | $ 578,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 478,000 | $ 478,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 548,000 | $ 548,000 | $ 0 |
| Scranton--Wilkes-Barre, PA | 1 | $ 50,000 | $ 50,000 | $ 140,000 |
| Toledo, OH | 1 | $ 264,000 | $ 264,000 | $ 0 |
Mortgage Loan Application Detail Totals for PNC Bank Delaware in 2007
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 | 978 | $43,209,000 | $44,000 | $700,000 | $80,000 | $1,275,000 |
| Refinancing | 657 | $88,540,000 | $134,000 | $840,000 | $71,000 | $1,072,000 |
| Home Purchase | 69 | $20,435,000 | $296,000 | $678,000 | $44,000 | $350,000 |
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 | 1,012 | $64,913,000 | $64,000 | $474,000 | $79,000 | $1,275,000 |
| Not Provided | 243 | $19,581,000 | $80,000 | $700,000 | $98,000 | $1,072,000 |
| Black or African American | 235 | $15,037,000 | $63,000 | $450,000 | $63,000 | $500,000 |
| Not applicable | 97 | $44,414,000 | $457,000 | $709,000 | $0 | $0 |
| Hispanic | 79 | $4,283,000 | $54,000 | $366,000 | $75,000 | $1,044,000 |
| Asian | 30 | $3,579,000 | $119,000 | $840,000 | $83,000 | $215,000 |
| American Indian or Alaskan Native | 5 | $282,000 | $56,000 | $135,000 | $60,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $95,000 | $31,000 | $45,000 | $61,000 | $66,000 |
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) | 1,704 | $152,184,000 | $89,000 | $840,000 | $75,000 | $1,275,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 773 | $48,567,000 | $62,000 | $366,000 | $80,000 | $550,000 |
| Application Denied By Financial Institution | 634 | $45,722,000 | $72,000 | $840,000 | $75,000 | $1,275,000 |
| Application Approved But Not Accepted | 206 | $14,473,000 | $70,000 | $325,000 | $86,000 | $500,000 |
| Loan Purchased By The Institution | 84 | $42,214,000 | $502,000 | $709,000 | $0 | $0 |
| Application Withdrawn By Applicant | 7 | $1,208,000 | $172,000 | $424,000 | $34,000 | $66,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 335 | $19,449,000 | $58,000 | $400,000 | $65,000 | $1,072,000 |
| Debt-To-Income Ratio | 133 | $11,285,000 | $84,000 | $840,000 | $57,000 | $215,000 |
| Credit Application Incomplete | 75 | $6,463,000 | $86,000 | $700,000 | $132,000 | $1,275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 56 | $5,421,000 | $96,000 | $278,000 | $85,000 | $342,000 |
| Collateral | 19 | $1,648,000 | $86,000 | $700,000 | $130,000 | $1,058,000 |
| Other | 13 | $937,000 | $72,000 | $264,000 | $53,000 | $159,000 |
| Unverifiable Information | 2 | $344,000 | $172,000 | $174,000 | $26,000 | $51,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $59,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into PNC Bank Delaware's 2007 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 PNC Bank Delaware'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.
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