Bsi Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Bsi Financial Services, Inc. 2003 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 | 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 | 725 |
| Total Mortgage Loan Application Amount | $91,113,000 |
| Average Mortgage Loan Application Amount | $139,058 |
| Highest Mortgage Loan Application Amount | $474,000 |
| Average Applicant Income | $91,558 |
| Highest Applicant Income | $600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Bsi Financial Services, Inc.. 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 Bsi Financial Services, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Bsi Financial Services, Inc.'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 Bsi Financial Services, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Bsi Financial Services, Inc., 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 Bsi Financial Services, Inc.'s mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kent County Michigan | 515 | $ 64,169,000 | $ 124,000 | $ 75,000 |
| Los Angeles County California | 13 | $ 2,077,000 | $ 159,000 | $ 129,000 |
| Erie County Pennsylvania | 10 | $ 1,023,000 | $ 102,000 | $ 111,000 |
| Lake County Indiana | 7 | $ 653,000 | $ 93,000 | $ 71,000 |
| Allegheny County Pennsylvania | 7 | $ 684,000 | $ 97,000 | $ 122,000 |
| Montgomery County Maryland | 6 | $ 815,000 | $ 135,000 | $ 82,000 |
| Westmoreland County Pennsylvania | 6 | $ 559,000 | $ 93,000 | $ 71,000 |
| Kern County California | 5 | $ 623,000 | $ 124,000 | $ 82,000 |
| Hartford County Connecticut | 5 | $ 755,000 | $ 151,000 | $ 88,000 |
| Cook County Illinois | 5 | $ 761,000 | $ 152,000 | $ 110,000 |
| Fairfax County Virginia | 5 | $ 967,000 | $ 193,000 | $ 161,000 |
| Allegan County Michigan | 4 | $ 720,000 | $ 180,000 | $ 92,000 |
| Ottawa County Michigan | 4 | $ 392,000 | $ 98,000 | $ 56,000 |
| Cumberland County Pennsylvania | 4 | $ 273,000 | $ 68,000 | $ 53,000 |
| Coffee County Alabama | 3 | $ 446,000 | $ 148,000 | $ 77,000 |
| Lawrence County Alabama | 3 | $ 233,000 | $ 77,000 | $ 48,000 |
| Crawford County Pennsylvania | 3 | $ 246,000 | $ 82,000 | $ 89,000 |
| Dauphin County Pennsylvania | 3 | $ 224,000 | $ 74,000 | $ 64,000 |
| Philadelphia County Pennsylvania | 3 | $ 177,000 | $ 59,000 | $ 34,000 |
| Baldwin County Alabama | 2 | $ 308,000 | $ 154,000 | $ 120,000 |
| Jefferson County Alabama | 2 | $ 211,000 | $ 105,000 | $ 53,000 |
| Shelby County Alabama | 2 | $ 397,000 | $ 198,000 | $ 124,000 |
| Brevard County Florida | 2 | $ 190,000 | $ 95,000 | $ 54,000 |
| Miami-Dade County Florida | 2 | $ 181,000 | $ 90,000 | $ 69,000 |
| Will County Illinois | 2 | $ 206,000 | $ 103,000 | $ 53,000 |
| LaPorte County Indiana | 2 | $ 176,000 | $ 88,000 | $ 49,000 |
| Anne Arundel County Maryland | 2 | $ 364,000 | $ 182,000 | $ 97,000 |
| Baltimore County Maryland | 2 | $ 339,000 | $ 169,000 | $ 106,000 |
| Worcester County Massachusetts | 2 | $ 493,000 | $ 246,000 | $ 72,000 |
| Livingston County Michigan | 2 | $ 243,000 | $ 121,000 | $ 88,000 |
| Clark County Nevada | 2 | $ 373,000 | $ 186,000 | $ 76,000 |
| Montgomery County Pennsylvania | 2 | $ 345,000 | $ 172,000 | $ 111,000 |
| York County Pennsylvania | 2 | $ 175,000 | $ 87,000 | $ 34,000 |
| Brazos County Texas | 2 | $ 187,000 | $ 93,000 | $ 125,000 |
| Falls Church County Virginia | 2 | $ 352,000 | $ 176,000 | $ 69,000 |
| Bibb County Alabama | 1 | $ 81,000 | $ 81,000 | $ 80,000 |
| Geneva County Alabama | 1 | $ 176,000 | $ 176,000 | $ 81,000 |
| Limestone County Alabama | 1 | $ 219,000 | $ 219,000 | $ 60,000 |
| Madison County Alabama | 1 | $ 172,000 | $ 172,000 | $ 121,000 |
| Marshall County Alabama | 1 | $ 40,000 | $ 40,000 | $ 26,000 |
| Montgomery County Alabama | 1 | $ 219,000 | $ 219,000 | $ 182,000 |
| Morgan County Alabama | 1 | $ 181,000 | $ 181,000 | $ 109,000 |
| St. Clair County Alabama | 1 | $ 274,000 | $ 274,000 | $ 108,000 |
| Sumter County Alabama | 1 | $ 132,000 | $ 132,000 | $ 48,000 |
| Benton County Arkansas | 1 | $ 275,000 | $ 275,000 | $ 118,000 |
| Riverside County California | 1 | $ 112,000 | $ 112,000 | $ 109,000 |
| Ventura County California | 1 | $ 178,000 | $ 178,000 | $ 185,000 |
| Adams County Colorado | 1 | $ 82,000 | $ 82,000 | $ 21,000 |
| Gunnison County Colorado | 1 | $ 68,000 | $ 68,000 | $ 39,000 |
| Jefferson County Colorado | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Fairfield County Connecticut | 1 | $ 182,000 | $ 182,000 | $ 170,000 |
| Tolland County Connecticut | 1 | $ 145,000 | $ 145,000 | $ 142,000 |
| New Castle County Delaware | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| Sussex County Delaware | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Broward County Florida | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Collier County Florida | 1 | $ 94,000 | $ 94,000 | $ 60,000 |
| Hillsborough County Florida | 1 | $ 194,000 | $ 194,000 | $ 71,000 |
| Holmes County Florida | 1 | $ 76,000 | $ 76,000 | $ 74,000 |
| Lake County Florida | 1 | $ 160,000 | $ 160,000 | $ 130,000 |
| Pinellas County Florida | 1 | $ 99,000 | $ 99,000 | $ 23,000 |
| Cherokee County Georgia | 1 | $ 90,000 | $ 90,000 | $ 49,000 |
| Cobb County Georgia | 1 | $ 258,000 | $ 258,000 | $ 149,000 |
| Fayette County Georgia | 1 | $ 193,000 | $ 193,000 | $ 220,000 |
| Fulton County Georgia | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Pickens County Georgia | 1 | $ 199,000 | $ 199,000 | $ 70,000 |
| Spalding County Georgia | 1 | $ 67,000 | $ 67,000 | $ 13,000 |
| Towns County Georgia | 1 | $ 248,000 | $ 248,000 | $ 54,000 |
| Hawaii County Hawaii | 1 | $ 156,000 | $ 156,000 | $ 87,000 |
| Honolulu County Hawaii | 1 | $ 116,000 | $ 116,000 | $ 87,000 |
| Kane County Illinois | 1 | $ 108,000 | $ 108,000 | $ 80,000 |
| Porter County Indiana | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| East Baton Rouge County Louisiana | 1 | $ 97,000 | $ 97,000 | $ 78,000 |
| Oxford County Maine | 1 | $ 148,000 | $ 148,000 | $ 280,000 |
| York County Maine | 1 | $ 124,000 | $ 124,000 | $ 64,000 |
| Carroll County Maryland | 1 | $ 119,000 | $ 119,000 | $ 60,000 |
| Frederick County Maryland | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Howard County Maryland | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Prince George's County Maryland | 1 | $ 156,000 | $ 156,000 | $ 57,000 |
| Suffolk County Massachusetts | 1 | $ 194,000 | $ 194,000 | $ 70,000 |
| Barry County Michigan | 1 | $ 158,000 | $ 158,000 | $ 336,000 |
| Charlevoix County Michigan | 1 | $ 155,000 | $ 155,000 | $ 142,000 |
| Clinton County Michigan | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Montcalm County Michigan | 1 | $ 130,000 | $ 130,000 | $ 124,000 |
| Muskegon County Michigan | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Oceana County Michigan | 1 | $ 34,000 | $ 34,000 | $ 67,000 |
| Fillmore County Minnesota | 1 | $ 57,000 | $ 57,000 | $ 59,000 |
| Hennepin County Minnesota | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| Rockingham County New Hampshire | 1 | $ 232,000 | $ 232,000 | $ 113,000 |
| Camden County New Jersey | 1 | $ 79,000 | $ 79,000 | $ 39,000 |
| Hunterdon County New Jersey | 1 | $ 292,000 | $ 292,000 | $ 273,000 |
| Mercer County New Jersey | 1 | $ 223,000 | $ 223,000 | $ 93,000 |
| Middlesex County New Jersey | 1 | $ 81,000 | $ 81,000 | $ 66,000 |
| Ocean County New Jersey | 1 | $ 124,000 | $ 124,000 | $ 58,000 |
| Somerset County New Jersey | 1 | $ 188,000 | $ 188,000 | $ 62,000 |
| Monroe County New York | 1 | $ 103,000 | $ 103,000 | $ 63,000 |
| Craven County North Carolina | 1 | $ 113,000 | $ 113,000 | $ 59,000 |
| Cuyahoga County Ohio | 1 | $ 77,000 | $ 77,000 | $ 108,000 |
| Franklin County Ohio | 1 | $ 77,000 | $ 77,000 | $ 122,000 |
| Bucks County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 52,000 |
| Butler County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 94,000 |
| Chester County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Lancaster County Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 52,000 |
| Lehigh County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 31,000 |
| Lycoming County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Mercer County Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 47,000 |
| Pike County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Schuylkill County Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Venango County Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 41,000 |
| Wayne County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 96,000 |
| Providence County Rhode Island | 1 | $ 103,000 | $ 103,000 | $ 192,000 |
| Dorchester County South Carolina | 1 | $ 64,000 | $ 64,000 | $ 86,000 |
| Grimes County Texas | 1 | $ 87,000 | $ 87,000 | $ 73,000 |
| Leon County Texas | 1 | $ 57,000 | $ 57,000 | $ 95,000 |
| Salt Lake County Utah | 1 | $ 184,000 | $ 184,000 | $ 108,000 |
| Fauquier County Virginia | 1 | $ 192,000 | $ 192,000 | $ 154,000 |
| Prince William County Virginia | 1 | $ 213,000 | $ 213,000 | $ 72,000 |
| Snohomish County Washington | 1 | $ 212,000 | $ 212,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Bsi Financial Services, Inc. in 2003
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 (home purchase or home improvement, one-to-four family) | 675 | $84,932,000 | $132,758 | $474,000 | $93,241 | $600,000 |
| Home Purchase (one-to-four family) | 50 | $6,181,000 | $175,600 | $323,000 | $81,800 | $260,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 658 | $82,724,000 | $138,266 | $474,000 | $94,466 | $600,000 |
| Information not provided by applicant in mail or telephone application | 22 | $2,191,000 | $99,000 | $207,000 | $69,000 | $280,000 |
| Black | 19 | $2,147,000 | $121,000 | $317,000 | $63,333 | $129,000 |
| Asian or Pacific Islander | 14 | $2,003,000 | $144,000 | $268,000 | $69,600 | $240,000 |
| Hispanic | 12 | $2,048,000 | $145,000 | $287,000 | $67,500 | $168,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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) | 725 | $91,113,000 | $138,966 | $474,000 | $93,333 | $600,000 |
| 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 | 633 | $80,710,000 | $139,033 | $474,000 | $93,633 | $600,000 |
| Application Withdrawn By Applicant | 68 | $8,000,000 | $117,000 | $394,000 | $83,000 | $456,000 |
| Application Denied By Financial Institution | 24 | $2,403,000 | $100,000 | $168,000 | $49,000 | $153,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bsi Financial Services, Inc.'s 2003 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.