First Fs&La of Bucks Cty Mortgage Lending & HMDA Data, 2015
In 2015, First Fs&La of Bucks Cty of Perkasie, PA reported 254 mortgage applications totaling $60.3 million. The average application was for $237,287, and applicants reported an average income of $152,653. 68% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (203), Philadelphia, PA (29) and Ocean City, NJ (8) (applications in parentheses).
| Mortgage Company & Address | First Fs&La of Bucks Cty 219 S 9th St Perkasie, PA 18944 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 254 |
| Total Mortgage Loan Application Amount | $60,271,000 |
| Average Mortgage Loan Application Amount | $237,287 |
| Highest Mortgage Loan Application Amount | $3,509,000 |
| Average Applicant Income | $152,653 |
| Highest Applicant Income | $2,258,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Fs&La of Bucks Cty filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Fs&La of Bucks Cty in 2015
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 | 116 | $29,940,000 | $258,000 | $1,500,000 | $157,000 | $911,000 |
| Home Purchase | 72 | $19,655,000 | $272,000 | $856,000 | $204,000 | $2,258,000 |
| Home Improvement | 66 | $10,676,000 | $161,000 | $3,509,000 | $89,000 | $268,000 |
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 | 193 | $36,979,000 | $191,000 | $1,500,000 | $149,000 | $2,258,000 |
| Not Provided | 26 | $5,461,000 | $210,000 | $474,000 | $161,000 | $419,000 |
| Not applicable | 23 | $15,290,000 | $664,000 | $3,509,000 | $191,000 | $911,000 |
| Asian | 8 | $1,433,000 | $179,000 | $361,000 | $117,000 | $168,000 |
| Hispanic | 3 | $470,000 | $156,000 | $304,000 | $93,000 | $146,000 |
| Black or African American | 1 | $638,000 | $638,000 | $638,000 | $245,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 254 | $60,271,000 | $237,000 | $3,509,000 | $153,000 | $2,258,000 |
| 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 | 172 | $38,899,000 | $226,000 | $3,509,000 | $148,000 | $2,258,000 |
| Application Denied By Financial Institution | 45 | $9,389,000 | $208,000 | $856,000 | $115,000 | $707,000 |
| Loan Purchased By The Institution | 15 | $7,444,000 | $496,000 | $850,000 | $293,000 | $911,000 |
| Application Withdrawn By Applicant | 13 | $2,589,000 | $199,000 | $638,000 | $159,000 | $284,000 |
| File Closed For Incompleteness | 6 | $1,701,000 | $283,000 | $381,000 | $157,000 | $276,000 |
| Application Approved But Not Accepted | 3 | $249,000 | $83,000 | $159,000 | $256,000 | $605,000 |
| 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 | 16 | $2,994,000 | $187,000 | $750,000 | $56,000 | $140,000 |
| Credit History | 11 | $2,263,000 | $205,000 | $750,000 | $139,000 | $631,000 |
| Collateral | 7 | $1,376,000 | $196,000 | $603,000 | $137,000 | $260,000 |
| Credit Application Incomplete | 6 | $1,273,000 | $212,000 | $600,000 | $126,000 | $173,000 |
| Other | 3 | $1,173,000 | $391,000 | $856,000 | $293,000 | $707,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $42,000 | $42,000 |
| Employment History | 1 | $250,000 | $250,000 | $250,000 | $99,000 | $99,000 |
| 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 Cty's 2015 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 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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