Bsi Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Bsi Financial Services, Inc. 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 | 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 | $132,321 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $73,928 |
| Highest Applicant Income | $1,440,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Venango County Pennsylvania | 36 | $ 2,459,000 | $ 68,000 | $ 53,000 |
| Crawford County Pennsylvania | 24 | $ 1,295,000 | $ 53,000 | $ 33,000 |
| Kern County California | 5 | $ 625,000 | $ 125,000 | $ 90,000 |
| Brevard County Florida | 5 | $ 539,000 | $ 107,000 | $ 32,000 |
| Middlesex County New Jersey | 5 | $ 1,234,000 | $ 246,000 | $ 66,000 |
| Kent County Michigan | 4 | $ 570,000 | $ 142,000 | $ 66,000 |
| Henrico County Virginia | 4 | $ 267,000 | $ 66,000 | $ 69,000 |
| Camden County New Jersey | 3 | $ 326,000 | $ 108,000 | $ 47,000 |
| Shelby County Tennessee | 3 | $ 277,000 | $ 92,000 | $ 70,000 |
| Blount County Alabama | 2 | $ 172,000 | $ 86,000 | $ 46,000 |
| Morgan County Alabama | 2 | $ 127,000 | $ 63,000 | $ 29,000 |
| Lake County Indiana | 2 | $ 248,000 | $ 124,000 | $ 83,000 |
| Prince George's County Maryland | 2 | $ 263,000 | $ 131,000 | $ 29,000 |
| Essex County New Jersey | 2 | $ 635,000 | $ 317,000 | $ 124,000 |
| Morris County New Jersey | 2 | $ 449,000 | $ 224,000 | $ 73,000 |
| Cumberland County Pennsylvania | 2 | $ 137,000 | $ 68,000 | $ 60,000 |
| Dauphin County Pennsylvania | 2 | $ 217,000 | $ 108,000 | $ 54,000 |
| Erie County Pennsylvania | 2 | $ 133,000 | $ 66,000 | $ 41,000 |
| Forest County Pennsylvania | 2 | $ 97,000 | $ 48,000 | $ 30,000 |
| Tooele County Utah | 2 | $ 221,000 | $ 110,000 | $ 69,000 |
| Baldwin County Alabama | 1 | $ 200,000 | $ 200,000 | $ 168,000 |
| Chilton County Alabama | 1 | $ 190,000 | $ 190,000 | $ 133,000 |
| Jefferson County Alabama | 1 | $ 213,000 | $ 213,000 | $ 60,000 |
| Madison County Alabama | 1 | $ 169,000 | $ 169,000 | $ 80,000 |
| Marshall County Alabama | 1 | $ 156,000 | $ 156,000 | $ 30,000 |
| Shelby County Alabama | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Maricopa County Arizona | 1 | $ 280,000 | $ 280,000 | $ 156,000 |
| Fresno County California | 1 | $ 220,000 | $ 220,000 | $ 78,000 |
| San Diego County California | 1 | $ 259,000 | $ 259,000 | $ 156,000 |
| Montrose County Colorado | 1 | $ 71,000 | $ 71,000 | $ 29,000 |
| Alachua County Florida | 1 | $ 126,000 | $ 126,000 | $ 44,000 |
| Flagler County Florida | 1 | $ 163,000 | $ 163,000 | $ 135,000 |
| Hillsborough County Florida | 1 | $ 67,000 | $ 67,000 | $ 56,000 |
| Manatee County Florida | 1 | $ 178,000 | $ 178,000 | $ 76,000 |
| Polk County Florida | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| St. Lucie County Florida | 1 | $ 120,000 | $ 120,000 | $ 107,000 |
| Fulton County Georgia | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| Henry County Georgia | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Muscogee County Georgia | 1 | $ 72,000 | $ 72,000 | $ 65,000 |
| Kane County Illinois | 1 | $ 168,000 | $ 168,000 | $ 78,000 |
| Porter County Indiana | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Franklin County Kentucky | 1 | $ 117,000 | $ 117,000 | $ 37,000 |
| St. James County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| York County Maine | 1 | $ 197,000 | $ 197,000 | $ 110,000 |
| Anne Arundel County Maryland | 1 | $ 182,000 | $ 182,000 | $ 36,000 |
| Baltimore City County Maryland | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Carroll County Maryland | 1 | $ 114,000 | $ 114,000 | $ 119,000 |
| Frederick County Maryland | 1 | $ 298,000 | $ 298,000 | $ 153,000 |
| Harford County Maryland | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Montgomery County Maryland | 1 | $ 191,000 | $ 191,000 | $ 125,000 |
| Ingham County Michigan | 1 | $ 27,000 | $ 27,000 | $ 109,000 |
| Macomb County Michigan | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Marquette County Michigan | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Montcalm County Michigan | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Montmorency County Michigan | 1 | $ 84,000 | $ 84,000 | $ 17,000 |
| Newaygo County Michigan | 1 | $ 81,000 | $ 81,000 | $ 44,000 |
| Wayne County Michigan | 1 | $ 306,000 | $ 306,000 | $ 101,000 |
| Missoula County Montana | 1 | $ 230,000 | $ 230,000 | $ 240,000 |
| Atlantic County New Jersey | 1 | $ 164,000 | $ 164,000 | $ 76,000 |
| Burlington County New Jersey | 1 | $ 186,000 | $ 186,000 | $ 1,440,000 |
| Gloucester County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Hunterdon County New Jersey | 1 | $ 81,000 | $ 81,000 | $ 47,000 |
| Ocean County New Jersey | 1 | $ 40,000 | $ 40,000 | $ 83,000 |
| Passaic County New Jersey | 1 | $ 206,000 | $ 206,000 | $ 52,000 |
| Union County New Jersey | 1 | $ 70,000 | $ 70,000 | $ 107,000 |
| Warren County New Jersey | 1 | $ 59,000 | $ 59,000 | $ 40,000 |
| Bronx County New York | 1 | $ 234,000 | $ 234,000 | $ 94,000 |
| Livingston County New York | 1 | $ 47,000 | $ 47,000 | $ 70,000 |
| Monroe County New York | 1 | $ 51,000 | $ 51,000 | $ 34,000 |
| Suffolk County New York | 1 | $ 296,000 | $ 296,000 | $ 84,000 |
| New Hanover County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 72,000 |
| Wayne County Ohio | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Adams County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 23,000 |
| Allegheny County Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 52,000 |
| Franklin County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Lackawanna County Pennsylvania | 1 | $ 113,000 | $ 113,000 | $ 106,000 |
| Lancaster County Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Lebanon County Pennsylvania | 1 | $ 232,000 | $ 232,000 | $ 66,000 |
| Lycoming County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Montgomery County Pennsylvania | 1 | $ 290,000 | $ 290,000 | $ 240,000 |
| Philadelphia County Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 50,000 |
| Tipton County Tennessee | 1 | $ 98,000 | $ 98,000 | $ 45,000 |
| Chesterfield County Virginia | 1 | $ 219,000 | $ 219,000 | $ 94,000 |
| Hampton County Virginia | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Richmond City County Virginia | 1 | $ 171,000 | $ 171,000 | $ 70,000 |
| Staunton County 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.