Phoenixville Federal Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Phoenixville Federal Bank & Trust of Phoenixville, PA reported 95 mortgage applications totaling $28.3 million, down 10% from 2024. The average application was for $298,368, and applicants reported an average income of $201,673. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (77), Allentown-Bethlehem-Easton, PA-NJ (4) and Philadelphia, PA (4) (applications in parentheses).
| Mortgage Company & Address | Phoenixville Federal Bank & Trust P.O. Box 629 564 Nutt Rd Phoenixville, PA 19460 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 95 |
| Total Mortgage Loan Application Amount | $28,345,000 |
| Average Mortgage Loan Application Amount | $298,368 |
| Highest Mortgage Loan Application Amount | $4,655,000 |
| Average Applicant Income | $201,673 |
| Highest Applicant Income | $699,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Phoenixville Federal Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery County-Bucks County-Chester County, PA | 77 | $ 17,985,000 | $ 233,571 | $ 183,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 680,000 | $ 170,000 | $ 98,250 |
| Philadelphia, PA | 4 | $ 2,330,000 | $ 582,500 | $ 262,000 |
| Reading, PA | 4 | $ 590,000 | $ 147,500 | $ 145,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 1,875,000 | $ 625,000 | $ 479,000 |
| Camden, NJ | 1 | $ 5,000 | $ 5,000 | $ 87,000 |
| Trenton, NJ | 1 | $ 225,000 | $ 225,000 | $ 388,000 |
| Wilmington, DE-MD-NJ | 1 | $ 4,655,000 | $ 4,655,000 | $ 0 |
Mortgage Loan Application Detail Totals for Phoenixville Federal Bank & Trust in 2025
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 Purchase | 36 | $13,640,000 | $378,000 | $1,205,000 | $225,000 | $699,000 |
| Other Purpose | 28 | $3,000,000 | $107,000 | $545,000 | $128,000 | $490,000 |
| Home Improvement | 16 | $2,380,000 | $148,000 | $1,055,000 | $155,000 | $422,000 |
| Cash-out Refinancing | 9 | $2,805,000 | $311,000 | $765,000 | $345,000 | $699,000 |
| Refinancing | 6 | $6,520,000 | $1,086,000 | $4,655,000 | $315,000 | $651,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 62 | $13,620,000 | $219,000 | $1,005,000 | $199,000 | $699,000 |
| Not Provided | 19 | $6,255,000 | $329,000 | $1,205,000 | $176,000 | $428,000 |
| Not applicable | 7 | $7,065,000 | $1,009,000 | $4,655,000 | $0 | $0 |
| Hispanic | 3 | $715,000 | $238,000 | $325,000 | $224,000 | $298,000 |
| Asian | 2 | $550,000 | $275,000 | $345,000 | $245,000 | $254,000 |
| Black or African American | 2 | $140,000 | $70,000 | $95,000 | $99,000 | $163,000 |
| 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) | 95 | $28,345,000 | $298,000 | $4,655,000 | $194,000 | $699,000 |
| 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 | 67 | $23,165,000 | $345,000 | $4,655,000 | $215,000 | $699,000 |
| Application Denied By Financial Institution | 11 | $1,445,000 | $131,000 | $305,000 | $121,000 | $250,000 |
| Application Withdrawn By Applicant | 11 | $2,675,000 | $243,000 | $1,205,000 | $142,000 | $422,000 |
| File Closed For Incompleteness | 4 | $450,000 | $112,000 | $205,000 | $110,000 | $198,000 |
| Application Approved But Not Accepted | 2 | $610,000 | $305,000 | $485,000 | $297,000 | $490,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 95 | $28,345,000 | $298,000 | $4,655,000 | $194,000 | $699,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Phoenixville Federal Bank & Trust's 2025 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 Phoenixville Federal Bank & Trust'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
with aggregated HMDA statistics today.
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