First Fs&La of Bucks County Mortgage Lending & HMDA Data, 2013
In 2013, First Fs&La of Bucks County of Bristol, PA reported 489 mortgage applications totaling $105.6 million, down 7% from 2012. The average application was for $215,918, and applicants reported an average income of $124,554. 67% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Philadelphia, PA (456), Ocean City, NJ (12) and Camden, NJ (7) (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 | 489 |
| Total Mortgage Loan Application Amount | $105,584,000 |
| Average Mortgage Loan Application Amount | $215,918 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $124,554 |
| Highest Applicant Income | $1,178,000 |
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records First Fs&La of Bucks County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bucks, Pennsylvania | 396 | $ 71,987,000 | $ 181,785 | $ 119,000 |
| Philadelphia, Pennsylvania | 39 | $ 16,423,000 | $ 421,102 | $ 93,000 |
| Montgomery, Pennsylvania | 17 | $ 4,984,000 | $ 293,176 | $ 142,000 |
| Cape May, New Jersey | 12 | $ 5,877,000 | $ 489,750 | $ 343,000 |
| Burlington, New Jersey | 5 | $ 654,000 | $ 130,800 | $ 67,000 |
| Hunterdon, New Jersey | 4 | $ 640,000 | $ 160,000 | $ 127,000 |
| Ocean, New Jersey | 3 | $ 750,000 | $ 250,000 | $ 176,000 |
| Delaware, Pennsylvania | 3 | $ 629,000 | $ 209,666 | $ 87,000 |
| Camden, New Jersey | 2 | $ 377,000 | $ 188,500 | $ 251,000 |
| Pike, Pennsylvania | 2 | $ 567,000 | $ 283,500 | $ 150,000 |
| Atlantic, New Jersey | 1 | $ 326,000 | $ 326,000 | $ 360,000 |
| Mercer, New Jersey | 1 | $ 600,000 | $ 600,000 | $ 297,000 |
| Monmouth, New Jersey | 1 | $ 875,000 | $ 875,000 | $ 229,000 |
| Somerset, New Jersey | 1 | $ 300,000 | $ 300,000 | $ 113,000 |
| Chester, Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 99,000 |
| Northampton, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 236,000 |
Mortgage Loan Application Detail Totals for First Fs&La of Bucks County in 2013
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 | 252 | $61,626,000 | $244,000 | $3,000,000 | $134,000 | $866,000 |
| Home Improvement | 119 | $12,109,000 | $101,000 | $1,365,000 | $117,000 | $833,000 |
| Home Purchase | 118 | $31,849,000 | $269,000 | $2,171,000 | $112,000 | $1,178,000 |
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 | 367 | $66,392,000 | $180,000 | $1,000,000 | $117,000 | $1,178,000 |
| Not Provided | 74 | $21,147,000 | $285,000 | $1,400,000 | $190,000 | $866,000 |
| Not applicable | 21 | $12,593,000 | $599,000 | $3,000,000 | $4,000 | $85,000 |
| Asian | 13 | $3,188,000 | $245,000 | $640,000 | $191,000 | $641,000 |
| Hispanic | 10 | $1,827,000 | $182,000 | $417,000 | $104,000 | $218,000 |
| Black or African American | 2 | $177,000 | $88,000 | $100,000 | $77,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $240,000 | $240,000 | $240,000 | $148,000 | $148,000 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $61,000 | $61,000 |
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) | 489 | $105,584,000 | $215,000 | $3,000,000 | $125,000 | $1,178,000 |
| 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 | 326 | $65,168,000 | $199,000 | $3,000,000 | $123,000 | $1,178,000 |
| Application Denied By Financial Institution | 92 | $19,168,000 | $208,000 | $2,170,000 | $121,000 | $833,000 |
| Application Withdrawn By Applicant | 23 | $6,877,000 | $299,000 | $950,000 | $132,000 | $335,000 |
| Application Approved But Not Accepted | 22 | $4,731,000 | $215,000 | $750,000 | $97,000 | $214,000 |
| Loan Purchased By The Institution | 20 | $8,105,000 | $405,000 | $875,000 | $179,000 | $507,000 |
| File Closed For Incompleteness | 6 | $1,535,000 | $255,000 | $387,000 | $148,000 | $446,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 33 | $6,336,000 | $192,000 | $575,000 | $79,000 | $294,000 |
| Credit History | 25 | $3,838,000 | $153,000 | $885,000 | $106,000 | $300,000 |
| Collateral | 18 | $3,454,000 | $191,000 | $1,365,000 | $166,000 | $833,000 |
| Other | 9 | $3,542,000 | $393,000 | $2,170,000 | $152,000 | $594,000 |
| Unverifiable Information | 3 | $1,160,000 | $386,000 | $600,000 | $342,000 | $581,000 |
| Credit Application Incomplete | 2 | $480,000 | $240,000 | $270,000 | $155,000 | $210,000 |
| Employment History | 1 | $239,000 | $239,000 | $239,000 | $117,000 | $117,000 |
| Mortgage Insurance Denied | 1 | $119,000 | $119,000 | $119,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Fs&La of Bucks County's 2013 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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