First Fs&La of Bucks County Mortgage Lending & HMDA Data, 2012
In 2012, First Fs&La of Bucks County of Bristol, PA reported 527 mortgage applications totaling $118.6 million, up 10% from 2011. The average application was for $225,000, and applicants reported an average income of $135,007. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Philadelphia, PA (504), Ocean City, NJ (7) and Edison-New Brunswick, NJ (4) (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 | 527 |
| Total Mortgage Loan Application Amount | $118,575,000 |
| Average Mortgage Loan Application Amount | $225,000 |
| Highest Mortgage Loan Application Amount | $3,225,000 |
| Average Applicant Income | $135,007 |
| Highest Applicant Income | $3,183,000 |
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records First Fs&La of Bucks County filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 504 | $ 108,987,000 | $ 216,244 | $ 131,000 |
| Ocean City, NJ | 7 | $ 3,888,000 | $ 555,428 | $ 258,000 |
| Edison-New Brunswick, NJ | 4 | $ 1,497,000 | $ 374,250 | $ 208,000 |
| Camden, NJ | 3 | $ 452,000 | $ 150,666 | $ 81,000 |
| Newark-Union, NJ-PA | 3 | $ 2,270,000 | $ 756,666 | $ 320,000 |
| Trenton-Ewing, NJ | 3 | $ 495,000 | $ 165,000 | $ 161,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 431,000 | $ 431,000 | $ 157,000 |
Mortgage Loan Application Detail Totals for First Fs&La of Bucks County 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 | 360 | $93,194,000 | $258,000 | $3,225,000 | $149,000 | $3,183,000 |
| Home Improvement | 102 | $7,945,000 | $77,000 | $600,000 | $92,000 | $221,000 |
| Home Purchase | 65 | $17,436,000 | $268,000 | $1,680,000 | $125,000 | $485,000 |
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 | 375 | $70,520,000 | $188,000 | $1,850,000 | $118,000 | $1,405,000 |
| Not Provided | 100 | $26,269,000 | $262,000 | $1,680,000 | $179,000 | $2,151,000 |
| Not applicable | 24 | $16,551,000 | $689,000 | $3,225,000 | $79,000 | $330,000 |
| Asian | 14 | $3,146,000 | $224,000 | $578,000 | $168,000 | $571,000 |
| Hispanic | 8 | $1,280,000 | $160,000 | $269,000 | $566,000 | $3,183,000 |
| Black or African American | 3 | $210,000 | $70,000 | $172,000 | $57,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $490,000 | $245,000 | $450,000 | $31,000 | $63,000 |
| American Indian or Alaskan Native | 1 | $109,000 | $109,000 | $109,000 | $68,000 | $68,000 |
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) | 527 | $118,575,000 | $225,000 | $3,225,000 | $135,000 | $3,183,000 |
| 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 | 353 | $81,097,000 | $229,000 | $3,225,000 | $134,000 | $2,151,000 |
| Application Denied By Financial Institution | 90 | $17,199,000 | $191,000 | $730,000 | $89,000 | $418,000 |
| Application Approved But Not Accepted | 39 | $8,443,000 | $216,000 | $640,000 | $208,000 | $3,183,000 |
| Application Withdrawn By Applicant | 29 | $4,592,000 | $158,000 | $417,000 | $117,000 | $409,000 |
| Loan Purchased By The Institution | 11 | $6,031,000 | $548,000 | $980,000 | $361,000 | $2,032,000 |
| File Closed For Incompleteness | 5 | $1,213,000 | $242,000 | $450,000 | $102,000 | $144,000 |
| 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 | 45 | $8,007,000 | $177,000 | $730,000 | $58,000 | $175,000 |
| Collateral | 17 | $4,654,000 | $273,000 | $645,000 | $143,000 | $418,000 |
| Credit History | 15 | $1,665,000 | $111,000 | $292,000 | $82,000 | $157,000 |
| Credit Application Incomplete | 9 | $1,917,000 | $213,000 | $400,000 | $134,000 | $240,000 |
| Unverifiable Information | 2 | $571,000 | $285,000 | $411,000 | $154,000 | $260,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $77,000 | $77,000 |
| Employment History | 1 | $360,000 | $360,000 | $360,000 | $169,000 | $169,000 |
| 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 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 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
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