PNC Bank Delaware Mortgage Lending & HMDA Data, 2006
In 2006, PNC Bank Delaware of Pittsburgh, PA reported 2,244 mortgage applications totaling $142.1 million. The average application was for $63,333, and applicants reported an average income of $74,214. 53% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Wilmington, DE-MD-NJ (1,354), Dover, DE (470) and Philadelphia, PA (51) (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 | 2,244 |
| Total Mortgage Loan Application Amount | $142,121,000 |
| Average Mortgage Loan Application Amount | $63,333 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $74,214 |
| Highest Applicant Income | $1,440,000 |
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Act (HMDA) records PNC Bank Delaware filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for PNC Bank Delaware in 2006
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 | 1,406 | $61,505,000 | $43,000 | $394,000 | $73,000 | $1,440,000 |
| Refinancing | 768 | $72,641,000 | $94,000 | $1,200,000 | $75,000 | $650,000 |
| Home Purchase | 70 | $7,975,000 | $113,000 | $860,000 | $90,000 | $316,000 |
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 | 1,372 | $83,473,000 | $60,000 | $405,000 | $78,000 | $1,440,000 |
| Black or African American | 388 | $22,711,000 | $58,000 | $394,000 | $61,000 | $296,000 |
| Not Provided | 349 | $24,765,000 | $70,000 | $358,000 | $77,000 | $525,000 |
| Hispanic | 83 | $4,579,000 | $55,000 | $206,000 | $62,000 | $660,000 |
| Asian | 28 | $2,930,000 | $104,000 | $755,000 | $123,000 | $645,000 |
| Not applicable | 15 | $3,016,000 | $201,000 | $1,200,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $472,000 | $94,000 | $194,000 | $77,000 | $120,000 |
| American Indian or Alaskan Native | 4 | $175,000 | $43,000 | $80,000 | $55,000 | $74,000 |
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) | 2,244 | $142,121,000 | $63,000 | $1,200,000 | $74,000 | $1,440,000 |
| 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 | 1,182 | $68,198,000 | $57,000 | $1,200,000 | $79,000 | $645,000 |
| Application Denied By Financial Institution | 836 | $60,016,000 | $71,000 | $755,000 | $64,000 | $1,440,000 |
| Application Approved But Not Accepted | 223 | $13,672,000 | $61,000 | $280,000 | $86,000 | $650,000 |
| File Closed For Incompleteness | 2 | $225,000 | $112,000 | $140,000 | $0 | $0 |
| Application Withdrawn By Applicant | 1 | $10,000 | $10,000 | $10,000 | $26,000 | $26,000 |
| Loan Purchased By The Institution | 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 | 506 | $31,230,000 | $61,000 | $394,000 | $56,000 | $660,000 |
| Debt-To-Income Ratio | 143 | $12,516,000 | $87,000 | $358,000 | $51,000 | $306,000 |
| Credit Application Incomplete | 106 | $8,734,000 | $82,000 | $755,000 | $103,000 | $1,440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $3,561,000 | $98,000 | $280,000 | $102,000 | $296,000 |
| Collateral | 28 | $2,116,000 | $75,000 | $247,000 | $71,000 | $316,000 |
| Other | 17 | $1,859,000 | $109,000 | $352,000 | $69,000 | $120,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into PNC Bank Delaware's 2006 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.
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