First Fs&La of Bucks County Mortgage Lending & HMDA Data, 2011
In 2011, First Fs&La of Bucks County of Bristol, PA reported 478 mortgage applications totaling $90.8 million. The average application was for $189,951, and applicants reported an average income of $118,635. 72% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Philadelphia, PA (445), Camden, NJ (16) and Newark-Union, NJ-PA (6) (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 | 478 |
| Total Mortgage Loan Application Amount | $90,797,000 |
| Average Mortgage Loan Application Amount | $189,951 |
| Highest Mortgage Loan Application Amount | $2,834,000 |
| Average Applicant Income | $118,635 |
| Highest Applicant Income | $900,000 |
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records First Fs&La of Bucks County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 445 | $ 83,157,000 | $ 186,869 | $ 119,000 |
| Camden, NJ | 16 | $ 1,876,000 | $ 117,250 | $ 26,000 |
| Newark-Union, NJ-PA | 6 | $ 1,005,000 | $ 167,500 | $ 108,000 |
| Ocean City, NJ | 5 | $ 2,604,000 | $ 520,800 | $ 285,000 |
| Trenton-Ewing, NJ | 2 | $ 849,000 | $ 424,500 | $ 194,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 117,000 | $ 117,000 | $ 142,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 600,000 | $ 600,000 | $ 348,000 |
| Edison-New Brunswick, NJ | 1 | $ 500,000 | $ 500,000 | $ 405,000 |
| Reading, PA | 1 | $ 89,000 | $ 89,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for First Fs&La of Bucks County in 2011
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 | 287 | $59,871,000 | $208,000 | $2,834,000 | $117,000 | $541,000 |
| Home Improvement | 132 | $12,943,000 | $98,000 | $900,000 | $97,000 | $411,000 |
| Home Purchase | 59 | $17,983,000 | $304,000 | $975,000 | $175,000 | $900,000 |
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 | 344 | $51,899,000 | $150,000 | $1,500,000 | $108,000 | $759,000 |
| Not Provided | 66 | $16,210,000 | $245,000 | $900,000 | $186,000 | $900,000 |
| Not applicable | 50 | $19,372,000 | $387,000 | $2,834,000 | $116,000 | $468,000 |
| Asian | 6 | $1,939,000 | $323,000 | $602,000 | $132,000 | $344,000 |
| Black or African American | 5 | $494,000 | $98,000 | $154,000 | $61,000 | $85,000 |
| Hispanic | 5 | $834,000 | $166,000 | $448,000 | $82,000 | $125,000 |
| American Indian or Alaskan Native | 2 | $49,000 | $24,000 | $34,000 | $44,000 | $49,000 |
| 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) | 478 | $90,797,000 | $189,000 | $2,834,000 | $119,000 | $900,000 |
| 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 | 345 | $59,307,000 | $171,000 | $2,834,000 | $117,000 | $759,000 |
| Application Denied By Financial Institution | 75 | $11,606,000 | $154,000 | $500,000 | $79,000 | $405,000 |
| Loan Purchased By The Institution | 26 | $13,176,000 | $506,000 | $975,000 | $236,000 | $468,000 |
| Application Approved But Not Accepted | 25 | $4,421,000 | $176,000 | $600,000 | $115,000 | $353,000 |
| Application Withdrawn By Applicant | 6 | $1,882,000 | $313,000 | $750,000 | $251,000 | $900,000 |
| File Closed For Incompleteness | 1 | $405,000 | $405,000 | $405,000 | $115,000 | $115,000 |
| 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 | 35 | $5,258,000 | $150,000 | $455,000 | $58,000 | $164,000 |
| Collateral | 17 | $2,820,000 | $165,000 | $483,000 | $109,000 | $275,000 |
| Credit History | 15 | $1,937,000 | $129,000 | $308,000 | $76,000 | $145,000 |
| Credit Application Incomplete | 5 | $1,276,000 | $255,000 | $500,000 | $135,000 | $405,000 |
| Other | 2 | $215,000 | $107,000 | $115,000 | $78,000 | $92,000 |
| Unverifiable Information | 1 | $100,000 | $100,000 | $100,000 | $51,000 | $51,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Fs&La of Bucks County's 2011 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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