Fidelity S & La of Bucks Cty Mortgage Lending & HMDA Data, 2012
In 2012, Fidelity S & La of Bucks Cty of Bristol, PA reported 104 mortgage applications totaling $12.8 million, up 4% from 2011. The average application was for $122,807, and applicants reported an average income of $78,442. 78% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Philadelphia, PA (99), Ocean City, NJ (3) and Edison-New Brunswick, NJ (1) (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 | 104 |
| Total Mortgage Loan Application Amount | $12,772,000 |
| Average Mortgage Loan Application Amount | $122,807 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $78,442 |
| Highest Applicant Income | $262,000 |
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records Fidelity S & La of Bucks Cty filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Philadelphia, PA | 99 | $ 11,897,000 | $ 120,171 | $ 76,000 |
| Ocean City, NJ | 3 | $ 539,000 | $ 179,666 | $ 128,000 |
| Edison-New Brunswick, NJ | 1 | $ 229,000 | $ 229,000 | $ 149,000 |
Mortgage Loan Application Detail Totals for Fidelity S & La of Bucks Cty in 2012
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 | 59 | $8,064,000 | $136,000 | $750,000 | $80,000 | $233,000 |
| Home Improvement | 24 | $1,943,000 | $80,000 | $200,000 | $68,000 | $152,000 |
| Home Purchase | 21 | $2,765,000 | $131,000 | $683,000 | $86,000 | $262,000 |
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 | 87 | $10,356,000 | $119,000 | $750,000 | $90,000 | $262,000 |
| Not applicable | 12 | $2,009,000 | $167,000 | $683,000 | $0 | $0 |
| Not Provided | 2 | $150,000 | $75,000 | $125,000 | $100,000 | $152,000 |
| Hispanic | 2 | $92,000 | $46,000 | $67,000 | $58,000 | $58,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $82,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 104 | $12,772,000 | $122,000 | $750,000 | $79,000 | $262,000 |
| 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 | 81 | $10,758,000 | $132,000 | $750,000 | $83,000 | $262,000 |
| Application Denied By Financial Institution | 16 | $1,386,000 | $86,000 | $190,000 | $72,000 | $205,000 |
| Application Withdrawn By Applicant | 6 | $518,000 | $86,000 | $170,000 | $37,000 | $78,000 |
| Application Approved But Not Accepted | 1 | $110,000 | $110,000 | $110,000 | $53,000 | $53,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Fidelity S & La of Bucks Cty's 2012 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.
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with aggregated HMDA statistics today.
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