Bsi Financial Services, Inc. Mortgage Lending & HMDA Data, 2005
In 2005, Bsi Financial Services, Inc. of Titusville, PA reported 396 mortgage applications totaling $41.3 million, up 7% from 2004. The average application was for $104,330, and applicants reported an average income of $55,416. 32% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Edison, NJ (6), Newark-Union, NJ-PA (6) and Richmond, VA (6) (applications in parentheses).
| Mortgage Company & Address | Bsi Financial Services, Inc. 314 S. Franklin St. P.O. Box 517 Titusville, PA 16354 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 396 |
| Total Mortgage Loan Application Amount | $41,315,000 |
| Average Mortgage Loan Application Amount | $104,330 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $55,416 |
| Highest Applicant Income | $1,440,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bsi Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Venango, Pennsylvania | 36 | $ 2,459,000 | $ 68,305 | $ 53,000 |
| Crawford, Pennsylvania | 24 | $ 1,295,000 | $ 53,958 | $ 33,000 |
| Kern, California | 5 | $ 625,000 | $ 125,000 | $ 90,000 |
| Brevard, Florida | 5 | $ 539,000 | $ 107,800 | $ 32,000 |
| Middlesex, New Jersey | 5 | $ 1,234,000 | $ 246,800 | $ 66,000 |
| Kent, Michigan | 4 | $ 570,000 | $ 142,500 | $ 66,000 |
| Henrico, Virginia | 4 | $ 267,000 | $ 66,750 | $ 69,000 |
| Camden, New Jersey | 3 | $ 326,000 | $ 108,666 | $ 47,000 |
| Shelby, Tennessee | 3 | $ 277,000 | $ 92,333 | $ 70,000 |
| Blount, Alabama | 2 | $ 172,000 | $ 86,000 | $ 46,000 |
| Morgan, Alabama | 2 | $ 127,000 | $ 63,500 | $ 29,000 |
| Lake, Indiana | 2 | $ 248,000 | $ 124,000 | $ 83,000 |
| Prince George's, Maryland | 2 | $ 263,000 | $ 131,500 | $ 29,000 |
| Essex, New Jersey | 2 | $ 635,000 | $ 317,500 | $ 124,000 |
| Morris, New Jersey | 2 | $ 449,000 | $ 224,500 | $ 73,000 |
| Cumberland, Pennsylvania | 2 | $ 137,000 | $ 68,500 | $ 60,000 |
| Dauphin, Pennsylvania | 2 | $ 217,000 | $ 108,500 | $ 54,000 |
| Erie, Pennsylvania | 2 | $ 133,000 | $ 66,500 | $ 41,000 |
| Forest, Pennsylvania | 2 | $ 97,000 | $ 48,500 | $ 30,000 |
| Tooele, Utah | 2 | $ 221,000 | $ 110,500 | $ 69,000 |
| Baldwin, Alabama | 1 | $ 200,000 | $ 200,000 | $ 168,000 |
| Chilton, Alabama | 1 | $ 190,000 | $ 190,000 | $ 133,000 |
| Jefferson, Alabama | 1 | $ 213,000 | $ 213,000 | $ 60,000 |
| Madison, Alabama | 1 | $ 169,000 | $ 169,000 | $ 80,000 |
| Marshall, Alabama | 1 | $ 156,000 | $ 156,000 | $ 30,000 |
| Shelby, Alabama | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Maricopa, Arizona | 1 | $ 280,000 | $ 280,000 | $ 156,000 |
| Fresno, California | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| San Diego, California | 1 | $ 259,000 | $ 259,000 | $ 156,000 |
| Montrose, Colorado | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| Alachua, Florida | 1 | $ 126,000 | $ 126,000 | $ 44,000 |
| Flagler, Florida | 1 | $ 163,000 | $ 163,000 | $ 135,000 |
| Hillsborough, Florida | 1 | $ 67,000 | $ 67,000 | $ 56,000 |
| Manatee, Florida | 1 | $ 178,000 | $ 178,000 | $ 76,000 |
| Polk, Florida | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| St. Lucie, Florida | 1 | $ 120,000 | $ 120,000 | $ 107,000 |
| Fulton, Georgia | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Henry, Georgia | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Muscogee, Georgia | 1 | $ 72,000 | $ 72,000 | $ 65,000 |
| Kane, Illinois | 1 | $ 168,000 | $ 168,000 | $ 78,000 |
| Porter, Indiana | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Franklin, Kentucky | 1 | $ 117,000 | $ 117,000 | $ 37,000 |
| St. James, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| York, Maine | 1 | $ 197,000 | $ 197,000 | $ 110,000 |
| Anne Arundel, Maryland | 1 | $ 182,000 | $ 182,000 | $ 36,000 |
| Baltimore City, Maryland | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Carroll, Maryland | 1 | $ 114,000 | $ 114,000 | $ 119,000 |
| Frederick, Maryland | 1 | $ 298,000 | $ 298,000 | $ 153,000 |
| Harford, Maryland | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Montgomery, Maryland | 1 | $ 191,000 | $ 191,000 | $ 125,000 |
| Ingham, Michigan | 1 | $ 27,000 | $ 27,000 | $ 109,000 |
| Macomb, Michigan | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Marquette, Michigan | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Montcalm, Michigan | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Montmorency, Michigan | 1 | $ 84,000 | $ 84,000 | $ 17,000 |
| Newaygo, Michigan | 1 | $ 81,000 | $ 81,000 | $ 44,000 |
| Wayne, Michigan | 1 | $ 306,000 | $ 306,000 | $ 101,000 |
| Missoula, Montana | 1 | $ 230,000 | $ 230,000 | $ 240,000 |
| Atlantic, New Jersey | 1 | $ 164,000 | $ 164,000 | $ 76,000 |
| Burlington, New Jersey | 1 | $ 186,000 | $ 186,000 | $ 1,440,000 |
| Gloucester, New Jersey | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Hunterdon, New Jersey | 1 | $ 81,000 | $ 81,000 | $ 47,000 |
| Ocean, New Jersey | 1 | $ 40,000 | $ 40,000 | $ 83,000 |
| Passaic, New Jersey | 1 | $ 206,000 | $ 206,000 | $ 52,000 |
| Union, New Jersey | 1 | $ 70,000 | $ 70,000 | $ 107,000 |
| Warren, New Jersey | 1 | $ 59,000 | $ 59,000 | $ 40,000 |
| Bronx, New York | 1 | $ 234,000 | $ 234,000 | $ 94,000 |
| Livingston, New York | 1 | $ 47,000 | $ 47,000 | $ 70,000 |
| Monroe, New York | 1 | $ 51,000 | $ 51,000 | $ 34,000 |
| Suffolk, New York | 1 | $ 296,000 | $ 296,000 | $ 84,000 |
| New Hanover, North Carolina | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Wayne, Ohio | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Adams, Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 23,000 |
| Allegheny, Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 52,000 |
| Franklin, Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Lackawanna, Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 106,000 |
| Lancaster, Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Lebanon, Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 66,000 |
| Lycoming, Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Montgomery, Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 240,000 |
| Philadelphia, Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 50,000 |
| Tipton, Tennessee | 1 | $ 98,000 | $ 98,000 | $ 45,000 |
| Chesterfield, Virginia | 1 | $ 219,000 | $ 219,000 | $ 94,000 |
| Hampton, Virginia | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Richmond City, Virginia | 1 | $ 171,000 | $ 171,000 | $ 70,000 |
| Staunton, Virginia | 1 | $ 108,000 | $ 108,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Bsi Financial Services, Inc. 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 | 213 | $19,301,000 | $145,000 | $550,000 | $64,833 | $420,000 |
| Refinancing | 183 | $22,014,000 | $128,863 | $360,000 | $76,409 | $1,440,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 369 | $38,307,000 | $135,173 | $550,000 | $79,739 | $1,440,000 |
| Not Provided | 10 | $1,108,000 | $97,833 | $298,000 | $51,000 | $90,000 |
| Black or African American | 6 | $871,000 | $157,400 | $360,000 | $78,000 | $137,000 |
| Hispanic | 6 | $571,000 | $106,250 | $234,000 | $65,750 | $107,000 |
| Asian | 5 | $458,000 | $113,000 | $202,000 | $44,666 | $76,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 396 | $41,315,000 | $134,913 | $550,000 | $78,304 | $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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 168 | $18,892,000 | $115,250 | $360,000 | $80,562 | $1,440,000 |
| Loan Originated | 127 | $14,141,000 | $152,312 | $360,000 | $88,875 | $240,000 |
| Application Denied By Financial Institution | 75 | $5,127,000 | $109,000 | $306,000 | $62,800 | $420,000 |
| Application Approved But Not Accepted | 18 | $2,404,000 | $100,000 | $550,000 | $50,000 | $235,000 |
| Preapproval Approved but not Accepted | 8 | $751,000 | $93,000 | $220,000 | $40,000 | $78,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 9 | $923,000 | $116,666 | $186,000 | $72,000 | $135,000 |
| Debt-To-Income Ratio | 4 | $234,000 | $58,000 | $75,000 | $23,000 | $28,000 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bsi Financial Services, Inc.'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 Bsi Financial Services, Inc.'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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