First Fs&La of Bucks County Mortgage Lending & HMDA Data, 2014
In 2014, First Fs&La of Bucks County of Bristol, PA reported 353 mortgage applications totaling $74.4 million, down 28% from 2013. The average application was for $210,699, and applicants reported an average income of $133,994. 63% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (281), Philadelphia, PA (25) and Camden, NJ (16) (applications in parentheses).
| Mortgage Company & Address | First Fs&La of Bucks County 118 Mill Street Bristol, PA 19007 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 353 |
| Total Mortgage Loan Application Amount | $74,377,000 |
| Average Mortgage Loan Application Amount | $210,699 |
| Highest Mortgage Loan Application Amount | $3,687,000 |
| Average Applicant Income | $133,994 |
| Highest Applicant Income | $887,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Fs&La of Bucks County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Fs&La of Bucks County in 2014
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 Improvement | 128 | $12,102,000 | $94,000 | $1,285,000 | $112,000 | $757,000 |
| Refinancing | 119 | $24,736,000 | $207,000 | $900,000 | $114,000 | $447,000 |
| Home Purchase | 106 | $37,539,000 | $354,000 | $3,687,000 | $183,000 | $887,000 |
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 | 245 | $37,356,000 | $152,000 | $843,000 | $126,000 | $887,000 |
| Not applicable | 71 | $31,588,000 | $444,000 | $3,687,000 | $162,000 | $604,000 |
| Not Provided | 20 | $2,739,000 | $136,000 | $400,000 | $166,000 | $757,000 |
| Black or African American | 7 | $1,136,000 | $162,000 | $485,000 | $52,000 | $134,000 |
| Hispanic | 6 | $533,000 | $88,000 | $150,000 | $66,000 | $107,000 |
| Asian | 4 | $1,025,000 | $256,000 | $450,000 | $237,000 | $509,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 353 | $74,377,000 | $210,000 | $3,687,000 | $134,000 | $887,000 |
| 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 | 221 | $37,738,000 | $170,000 | $3,687,000 | $122,000 | $887,000 |
| Application Denied By Financial Institution | 63 | $11,728,000 | $186,000 | $900,000 | $108,000 | $667,000 |
| Loan Purchased By The Institution | 51 | $21,178,000 | $415,000 | $750,000 | $226,000 | $604,000 |
| Application Withdrawn By Applicant | 9 | $1,788,000 | $198,000 | $417,000 | $135,000 | $300,000 |
| File Closed For Incompleteness | 5 | $978,000 | $195,000 | $450,000 | $81,000 | $134,000 |
| Application Approved But Not Accepted | 4 | $967,000 | $241,000 | $640,000 | $125,000 | $218,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 20 | $2,761,000 | $138,000 | $485,000 | $88,000 | $164,000 |
| Debt-To-Income Ratio | 18 | $3,835,000 | $213,000 | $900,000 | $70,000 | $140,000 |
| Collateral | 12 | $1,952,000 | $162,000 | $775,000 | $132,000 | $667,000 |
| Credit Application Incomplete | 6 | $1,222,000 | $203,000 | $400,000 | $230,000 | $562,000 |
| Other | 6 | $1,115,000 | $185,000 | $500,000 | $100,000 | $167,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $843,000 | $843,000 | $843,000 | $184,000 | $184,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Fs&La of Bucks County's 2014 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 First Fs&La of Bucks County'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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