Seckel Capital Mortgage Lending & HMDA Data, 2016
In 2016, Seckel Capital of Newtown, PA reported 1,053 mortgage applications totaling $254.4 million. The average application was for $241,602, and applicants reported an average income of $97,434. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Montgomery County-Bucks County-Chester County, PA (501), Philadelphia, PA (172) and Camden, NJ (65) (applications in parentheses).
| Mortgage Company & Address | Seckel Capital 121 Friends Lane Newtown, PA 18940 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 |
| Total Number of Mortgage Applications | 1,053 |
| Total Mortgage Loan Application Amount | $254,407,000 |
| Average Mortgage Loan Application Amount | $241,602 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $97,434 |
| Highest Applicant Income | $917,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Seckel Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bucks, Pennsylvania | 283 | $ 70,928,000 | $ 250,628 | $ 89,000 |
| Montgomery, Pennsylvania | 175 | $ 42,002,000 | $ 240,011 | $ 99,000 |
| Philadelphia, Pennsylvania | 153 | $ 27,536,000 | $ 179,973 | $ 65,000 |
| Chester, Pennsylvania | 43 | $ 13,484,000 | $ 313,581 | $ 152,000 |
| Camden, New Jersey | 30 | $ 6,069,000 | $ 202,300 | $ 75,000 |
| Burlington, New Jersey | 22 | $ 4,821,000 | $ 219,136 | $ 85,000 |
| Berks, Pennsylvania | 21 | $ 4,123,000 | $ 196,333 | $ 68,000 |
| Delaware, Pennsylvania | 19 | $ 4,578,000 | $ 240,947 | $ 112,000 |
| Bergen, New Jersey | 14 | $ 5,074,000 | $ 362,428 | $ 165,000 |
| Cape May, New Jersey | 14 | $ 2,560,000 | $ 182,857 | $ 188,000 |
| Union, New Jersey | 14 | $ 4,815,000 | $ 343,928 | $ 128,000 |
| Gloucester, New Jersey | 13 | $ 2,916,000 | $ 224,307 | $ 83,000 |
| Allegheny, Pennsylvania | 12 | $ 2,966,000 | $ 247,166 | $ 122,000 |
| Middlesex, New Jersey | 11 | $ 2,927,000 | $ 266,090 | $ 124,000 |
| Monmouth, New Jersey | 11 | $ 3,084,000 | $ 280,363 | $ 116,000 |
| Essex, New Jersey | 10 | $ 3,116,000 | $ 311,600 | $ 198,000 |
| Westmoreland, Pennsylvania | 10 | $ 1,562,000 | $ 156,200 | $ 56,000 |
| Hunterdon, New Jersey | 9 | $ 2,567,000 | $ 285,222 | $ 146,000 |
| Somerset, New Jersey | 7 | $ 1,513,000 | $ 216,142 | $ 132,000 |
| Atlantic, New Jersey | 6 | $ 1,290,000 | $ 215,000 | $ 156,000 |
| Cumberland, New Jersey | 6 | $ 1,019,000 | $ 169,833 | $ 17,000 |
| Lehigh, Pennsylvania | 6 | $ 1,693,000 | $ 282,166 | $ 101,000 |
| Monroe, Pennsylvania | 6 | $ 1,125,000 | $ 187,500 | $ 90,000 |
| Northampton, Pennsylvania | 6 | $ 1,177,000 | $ 196,166 | $ 104,000 |
| Fairfield, Connecticut | 5 | $ 1,460,000 | $ 292,000 | $ 189,000 |
| Mercer, New Jersey | 5 | $ 884,000 | $ 176,800 | $ 74,000 |
| Morris, New Jersey | 5 | $ 1,730,000 | $ 346,000 | $ 178,000 |
| Collin, Texas | 5 | $ 1,330,000 | $ 266,000 | $ 94,000 |
| New Haven, Connecticut | 4 | $ 1,206,000 | $ 301,500 | $ 162,000 |
| Kent, Delaware | 4 | $ 862,000 | $ 215,500 | $ 56,000 |
| Anne Arundel, Maryland | 4 | $ 1,228,000 | $ 307,000 | $ 138,000 |
| Ocean, New Jersey | 4 | $ 1,238,000 | $ 309,500 | $ 139,000 |
| Passaic, New Jersey | 4 | $ 1,305,000 | $ 326,250 | $ 59,000 |
| Lancaster, Pennsylvania | 4 | $ 803,000 | $ 200,750 | $ 68,000 |
| Prince William, Virginia | 4 | $ 1,646,000 | $ 411,500 | $ 108,000 |
| New Castle, Delaware | 3 | $ 807,000 | $ 269,000 | $ 255,000 |
| Sussex, Delaware | 3 | $ 797,000 | $ 265,666 | $ 124,000 |
| Broward, Florida | 3 | $ 740,000 | $ 246,666 | $ 79,000 |
| Volusia, Florida | 3 | $ 557,000 | $ 185,666 | $ 64,000 |
| Prince George's, Maryland | 3 | $ 716,000 | $ 238,666 | $ 76,000 |
| Beaver, Pennsylvania | 3 | $ 699,000 | $ 233,000 | $ 97,000 |
| York, Pennsylvania | 3 | $ 820,000 | $ 273,333 | $ 125,000 |
| Hartford, Connecticut | 2 | $ 593,000 | $ 296,500 | $ 94,000 |
| New London, Connecticut | 2 | $ 508,000 | $ 254,000 | $ 78,000 |
| Duval, Florida | 2 | $ 460,000 | $ 230,000 | $ 45,000 |
| Hillsborough, Florida | 2 | $ 484,000 | $ 242,000 | $ 90,000 |
| Lee, Florida | 2 | $ 446,000 | $ 223,000 | $ 96,000 |
| Orange, Florida | 2 | $ 612,000 | $ 306,000 | $ 112,000 |
| Palm Beach, Florida | 2 | $ 301,000 | $ 150,500 | $ 92,000 |
| Sarasota, Florida | 2 | $ 336,000 | $ 168,000 | $ 68,000 |
| St. Johns, Florida | 2 | $ 606,000 | $ 303,000 | $ 91,000 |
| Jefferson, Kentucky | 2 | $ 604,000 | $ 302,000 | $ 88,000 |
| Calvert, Maryland | 2 | $ 874,000 | $ 437,000 | $ 132,000 |
| Harford, Maryland | 2 | $ 576,000 | $ 288,000 | $ 119,000 |
| Montgomery, Maryland | 2 | $ 506,000 | $ 253,000 | $ 94,000 |
| Hudson, New Jersey | 2 | $ 299,000 | $ 149,500 | $ 232,000 |
| Sussex, New Jersey | 2 | $ 581,000 | $ 290,500 | $ 50,000 |
| Butler, Pennsylvania | 2 | $ 602,000 | $ 301,000 | $ 145,000 |
| Columbia, Pennsylvania | 2 | $ 276,000 | $ 138,000 | $ 93,000 |
| Cumberland, Pennsylvania | 2 | $ 674,000 | $ 337,000 | $ 182,000 |
| Somerset, Pennsylvania | 2 | $ 552,000 | $ 276,000 | $ 75,000 |
| Bexar, Texas | 2 | $ 467,000 | $ 233,500 | $ 40,000 |
| Denton, Texas | 2 | $ 585,000 | $ 292,500 | $ 0 |
| Gillespie, Texas | 2 | $ 480,000 | $ 240,000 | $ 52,000 |
| Albemarle, Virginia | 2 | $ 785,000 | $ 392,500 | $ 90,000 |
| Chesapeake, Virginia | 2 | $ 787,000 | $ 393,500 | $ 148,000 |
| Spotsylvania, Virginia | 2 | $ 631,000 | $ 315,500 | $ 79,000 |
| Virginia Beach, Virginia | 2 | $ 560,000 | $ 280,000 | $ 58,000 |
| Litchfield, Connecticut | 1 | $ 400,000 | $ 400,000 | $ 96,000 |
| District of Columbia, District Of Columbia | 1 | $ 218,000 | $ 218,000 | $ 84,000 |
| Brevard, Florida | 1 | $ 266,000 | $ 266,000 | $ 180,000 |
| Charlotte, Florida | 1 | $ 220,000 | $ 220,000 | $ 219,000 |
| Collier, Florida | 1 | $ 89,000 | $ 89,000 | $ 67,000 |
| Hamilton, Florida | 1 | $ 365,000 | $ 365,000 | $ 192,000 |
| Lake, Florida | 1 | $ 284,000 | $ 284,000 | $ 176,000 |
| Martin, Florida | 1 | $ 197,000 | $ 197,000 | $ 99,000 |
| St. Lucie, Florida | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Baltimore, Maryland | 1 | $ 388,000 | $ 388,000 | $ 169,000 |
| Frederick, Maryland | 1 | $ 339,000 | $ 339,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 361,000 | $ 361,000 | $ 117,000 |
| Salem, New Jersey | 1 | $ 182,000 | $ 182,000 | $ 154,000 |
| Warren, New Jersey | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Dauphin, Pennsylvania | 1 | $ 242,000 | $ 242,000 | $ 101,000 |
| Fayette, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 67,000 |
| Franklin, Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 32,000 |
| Luzerne, Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 61,000 |
| Lycoming, Pennsylvania | 1 | $ 260,000 | $ 260,000 | $ 114,000 |
| Pike, Pennsylvania | 1 | $ 211,000 | $ 211,000 | $ 78,000 |
| Snyder, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Susquehanna, Pennsylvania | 1 | $ 328,000 | $ 328,000 | $ 101,000 |
| Dallas, Texas | 1 | $ 412,000 | $ 412,000 | $ 116,000 |
| Alexandria, Virginia | 1 | $ 618,000 | $ 618,000 | $ 359,000 |
| Culpeper, Virginia | 1 | $ 229,000 | $ 229,000 | $ 129,000 |
| Fairfax, Virginia | 1 | $ 520,000 | $ 520,000 | $ 259,000 |
| Harrisonburg, Virginia | 1 | $ 189,000 | $ 189,000 | $ 67,000 |
| Henrico, Virginia | 1 | $ 287,000 | $ 287,000 | $ 94,000 |
| Loudoun, Virginia | 1 | $ 312,000 | $ 312,000 | $ 104,000 |
| Orange, Virginia | 1 | $ 209,000 | $ 209,000 | $ 139,000 |
| Stafford, Virginia | 1 | $ 243,000 | $ 243,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Seckel Capital in 2016
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 | 648 | $145,559,000 | $224,000 | $799,000 | $93,000 | $917,000 |
| Refinancing | 386 | $103,782,000 | $268,000 | $1,000,000 | $105,000 | $509,000 |
| Home Improvement | 19 | $5,066,000 | $266,000 | $450,000 | $95,000 | $211,000 |
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 | 752 | $187,389,000 | $249,000 | $1,000,000 | $101,000 | $917,000 |
| Hispanic | 99 | $20,706,000 | $209,000 | $431,000 | $85,000 | $447,000 |
| Black or African American | 87 | $17,782,000 | $204,000 | $468,000 | $66,000 | $215,000 |
| Not Provided | 64 | $15,314,000 | $239,000 | $485,000 | $114,000 | $654,000 |
| Asian | 48 | $12,611,000 | $262,000 | $814,000 | $102,000 | $440,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $373,000 | $186,000 | $206,000 | $60,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $232,000 | $232,000 | $232,000 | $126,000 | $126,000 |
| Not applicable | 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) | 531 | $134,974,000 | $254,000 | $799,000 | $127,000 | $917,000 |
| FHA-insured (Federal Housing Administration) | 433 | $93,672,000 | $216,000 | $814,000 | $65,000 | $431,000 |
| VA-guaranteed (Veterans Administration) | 81 | $24,144,000 | $298,000 | $1,000,000 | $76,000 | $260,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,617,000 | $202,000 | $265,000 | $76,000 | $117,000 |
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 | 810 | $194,492,000 | $240,000 | $1,000,000 | $97,000 | $917,000 |
| Application Withdrawn By Applicant | 152 | $38,520,000 | $253,000 | $799,000 | $106,000 | $654,000 |
| Application Denied By Financial Institution | 63 | $13,910,000 | $220,000 | $422,000 | $72,000 | $268,000 |
| File Closed For Incompleteness | 23 | $6,318,000 | $274,000 | $618,000 | $144,000 | $509,000 |
| Application Approved But Not Accepted | 5 | $1,167,000 | $233,000 | $269,000 | $107,000 | $144,000 |
| 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 | 14 | $3,504,000 | $250,000 | $400,000 | $74,000 | $176,000 |
| Collateral | 14 | $3,093,000 | $220,000 | $422,000 | $95,000 | $268,000 |
| Credit History | 10 | $2,017,000 | $201,000 | $413,000 | $48,000 | $151,000 |
| Credit Application Incomplete | 5 | $775,000 | $155,000 | $206,000 | $40,000 | $72,000 |
| Other | 5 | $1,028,000 | $205,000 | $336,000 | $82,000 | $170,000 |
| Employment History | 4 | $1,050,000 | $262,000 | $386,000 | $63,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $548,000 | $182,000 | $254,000 | $64,000 | $88,000 |
| Mortgage Insurance Denied | 1 | $280,000 | $280,000 | $280,000 | $113,000 | $113,000 |
| Unverifiable Information | 1 | $262,000 | $262,000 | $262,000 | $100,000 | $100,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Seckel Capital's 2016 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 Seckel Capital'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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with aggregated HMDA statistics today.
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