Fidelity S & La of Bucks Cty Mortgage Lending & HMDA Data, 2016
In 2016, Fidelity S & La of Bucks Cty of Bristol, PA reported 64 mortgage applications totaling $11.5 million, up 33% from 2015. The average application was for $178,968, and applicants reported an average income of $99,125. 80% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (52), Philadelphia, PA (10) and Camden, NJ (2) (applications in parentheses).
| Mortgage Company & Address | Fidelity S & La of Bucks Cty 237 Radcliffe Street Bristol, PA 19007 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 64 |
| Total Mortgage Loan Application Amount | $11,454,000 |
| Average Mortgage Loan Application Amount | $178,968 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $99,125 |
| Highest Applicant Income | $568,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity S & La of Bucks Cty filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery County-Bucks County-Chester County, PA | 52 | $ 5,680,000 | $ 109,230 | $ 99,000 |
| Philadelphia, PA | 10 | $ 4,904,000 | $ 490,400 | $ 47,000 |
| Camden, NJ | 2 | $ 870,000 | $ 435,000 | $ 371,000 |
Mortgage Loan Application Detail Totals for Fidelity S & La of Bucks Cty in 2016
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 | 28 | $4,258,000 | $152,000 | $795,000 | $102,000 | $568,000 |
| Home Improvement | 23 | $3,465,000 | $150,000 | $1,800,000 | $94,000 | $265,000 |
| Home Purchase | 13 | $3,731,000 | $287,000 | $894,000 | $102,000 | $473,000 |
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 | 49 | $6,268,000 | $127,000 | $795,000 | $116,000 | $568,000 |
| Not applicable | 10 | $4,493,000 | $449,000 | $1,800,000 | $0 | $0 |
| Hispanic | 3 | $445,000 | $148,000 | $165,000 | $126,000 | $184,000 |
| Asian | 2 | $248,000 | $124,000 | $168,000 | $151,000 | $203,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 64 | $11,454,000 | $178,000 | $1,800,000 | $99,000 | $568,000 |
| 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 | 51 | $10,071,000 | $197,000 | $1,800,000 | $104,000 | $568,000 |
| Application Denied By Financial Institution | 8 | $1,166,000 | $145,000 | $300,000 | $72,000 | $121,000 |
| Application Withdrawn By Applicant | 4 | $182,000 | $45,000 | $62,000 | $104,000 | $265,000 |
| Application Approved But Not Accepted | 1 | $35,000 | $35,000 | $35,000 | $69,000 | $69,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $400,000 | $133,000 | $300,000 | $66,000 | $121,000 |
| Collateral | 1 | $165,000 | $165,000 | $165,000 | $116,000 | $116,000 |
| Credit History | 1 | $200,000 | $200,000 | $200,000 | $63,000 | $63,000 |
| Credit Application Incomplete | 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 Fidelity S & La of Bucks Cty's 2016 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 Fidelity S & La of Bucks Cty'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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