Phoenixville Federal Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Phoenixville Federal Bank & Trust of Phoenixville, PA reported 136 mortgage applications totaling $28.1 million. The average application was for $206,676, and applicants reported an average income of $129,941. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (115), Reading, PA (5) and Philadelphia, PA (3) (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 | 136 |
| Total Mortgage Loan Application Amount | $28,108,000 |
| Average Mortgage Loan Application Amount | $206,676 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $129,941 |
| Highest Applicant Income | $598,000 |
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Phoenixville Federal Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 115 | $ 22,126,000 | $ 192,400 | $ 116,000 |
| Reading, PA | 5 | $ 1,753,000 | $ 350,600 | $ 87,000 |
| Philadelphia, PA | 3 | $ 752,000 | $ 250,666 | $ 250,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 509,000 | $ 254,500 | $ 176,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 896,000 | $ 448,000 | $ 235,000 |
| Wilmington, DE-MD-NJ | 2 | $ 95,000 | $ 47,500 | $ 442,000 |
| Camden, NJ | 1 | $ 532,000 | $ 532,000 | $ 595,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 193,000 | $ 193,000 | $ 125,000 |
| East Stroudsburg, PA | 1 | $ 140,000 | $ 140,000 | $ 192,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Ocean City, NJ | 1 | $ 64,000 | $ 64,000 | $ 164,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 133,000 | $ 133,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Phoenixville Federal Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 71 | $14,417,000 | $203,000 | $1,100,000 | $123,000 | $598,000 |
| Refinancing | 51 | $13,057,000 | $256,000 | $1,200,000 | $147,000 | $595,000 |
| Home Improvement | 14 | $634,000 | $45,000 | $110,000 | $103,000 | $210,000 |
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 | 112 | $21,701,000 | $193,000 | $1,200,000 | $117,000 | $500,000 |
| Black or African American | 11 | $1,976,000 | $179,000 | $532,000 | $387,000 | $598,000 |
| Not applicable | 9 | $3,699,000 | $411,000 | $1,100,000 | $0 | $0 |
| Asian | 4 | $732,000 | $183,000 | $324,000 | $81,000 | $111,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 136 | $28,108,000 | $206,000 | $1,200,000 | $130,000 | $598,000 |
| 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 | 130 | $26,290,000 | $202,000 | $1,200,000 | $134,000 | $598,000 |
| Application Approved But Not Accepted | 5 | $1,638,000 | $327,000 | $1,100,000 | $29,000 | $73,000 |
| Application Denied By Financial Institution | 1 | $180,000 | $180,000 | $180,000 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1 | $180,000 | $180,000 | $180,000 | $0 | $0 |
| 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 |
| 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 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 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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