Third Federal Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Third Federal Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Third Federal Bank 3 Penns Trail Newtown, PA 18940 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,941 |
| Total Mortgage Loan Application Amount | $222,199,000 |
| Average Mortgage Loan Application Amount | $349,323 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $13,441 |
| Highest Applicant Income | $2,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Third Federal Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Third Federal Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Third Federal Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Third Federal Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Third Federal Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Third Federal Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bucks County Pennsylvania | 670 | $ 88,140,000 | $ 131,000 | $ 93,000 |
| Philadelphia County Pennsylvania | 528 | $ 27,664,000 | $ 52,000 | $ 41,000 |
| Mercer County New Jersey | 448 | $ 48,603,000 | $ 108,000 | $ 67,000 |
| Montgomery County Pennsylvania | 67 | $ 9,100,000 | $ 135,000 | $ 65,000 |
| Burlington County New Jersey | 49 | $ 5,717,000 | $ 116,000 | $ 76,000 |
| Ocean County New Jersey | 18 | $ 3,340,000 | $ 185,000 | $ 102,000 |
| Monmouth County New Jersey | 17 | $ 5,587,000 | $ 328,000 | $ 125,000 |
| Cape May County New Jersey | 14 | $ 2,447,000 | $ 174,000 | $ 79,000 |
| Sedgwick County Kansas | 11 | $ 513,000 | $ 46,000 | $ 0 |
| Middlesex County New Jersey | 10 | $ 1,587,000 | $ 158,000 | $ 102,000 |
| Hunterdon County New Jersey | 9 | $ 1,235,000 | $ 137,000 | $ 76,000 |
| Atlantic County New Jersey | 6 | $ 647,000 | $ 107,000 | $ 218,000 |
| Camden County New Jersey | 6 | $ 642,000 | $ 107,000 | $ 181,000 |
| Delaware County Pennsylvania | 6 | $ 805,000 | $ 134,000 | $ 113,000 |
| Tulsa County Oklahoma | 5 | $ 453,000 | $ 90,000 | $ 0 |
| Los Angeles County California | 4 | $ 1,305,000 | $ 326,000 | $ 0 |
| Somerset County New Jersey | 4 | $ 930,000 | $ 232,000 | $ 129,000 |
| Lehigh County Pennsylvania | 4 | $ 810,000 | $ 202,000 | $ 106,000 |
| Santa Clara County California | 2 | $ 874,000 | $ 437,000 | $ 0 |
| Ventura County California | 2 | $ 1,282,000 | $ 641,000 | $ 0 |
| Miami-Dade County Florida | 2 | $ 1,167,000 | $ 583,000 | $ 0 |
| Washoe County Nevada | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Essex County New Jersey | 2 | $ 468,000 | $ 234,000 | $ 75,000 |
| Bryan County Oklahoma | 2 | $ 123,000 | $ 61,000 | $ 0 |
| Oklahoma County Oklahoma | 2 | $ 95,000 | $ 47,000 | $ 0 |
| Allegheny County Pennsylvania | 2 | $ 828,000 | $ 414,000 | $ 0 |
| El Paso County Texas | 2 | $ 824,000 | $ 412,000 | $ 0 |
| Mobile County Alabama | 1 | $ 563,000 | $ 563,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Alameda County California | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Contra Costa County California | 1 | $ 534,000 | $ 534,000 | $ 0 |
| Kern County California | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Merced County California | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Orange County California | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Placer County California | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Riverside County California | 1 | $ 380,000 | $ 380,000 | $ 0 |
| San Bernardino County California | 1 | $ 360,000 | $ 360,000 | $ 0 |
| San Diego County California | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Santa Cruz County California | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Stanislaus County California | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Denver County Colorado | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Larimer County Colorado | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 571,000 | $ 571,000 | $ 0 |
| Collier County Florida | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Fulton County Georgia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Lake County Illinois | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 570,000 | $ 570,000 | $ 0 |
| Bourbon County Kansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Sumner County Kansas | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Ascension County Louisiana | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Pointe Coupee County Louisiana | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Cecil County Maryland | 1 | $ 361,000 | $ 361,000 | $ 0 |
| Howard County Maryland | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 613,000 | $ 613,000 | $ 0 |
| Kent County Michigan | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Oakland County Michigan | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Clay County Missouri | 1 | $ 394,000 | $ 394,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 232,000 | $ 232,000 | $ 109,000 |
| Cumberland County New Jersey | 1 | $ 170,000 | $ 170,000 | $ 126,000 |
| Hudson County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 96,000 |
| Salem County New Jersey | 1 | $ 128,000 | $ 128,000 | $ 159,000 |
| Suffolk County New York | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Cleveland County North Carolina | 1 | $ 373,000 | $ 373,000 | $ 0 |
| Lorain County Ohio | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Creek County Oklahoma | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Carbon County Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 76,000 |
| Chester County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 49,000 |
| Dauphin County Pennsylvania | 1 | $ 595,000 | $ 595,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 57,000 | $ 57,000 | $ 40,000 |
| Monroe County Pennsylvania | 1 | $ 54,000 | $ 54,000 | $ 18,000 |
| Northampton County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| King County Washington | 1 | $ 525,000 | $ 525,000 | $ 0 |
Mortgage Loan Application Detail Totals for Third Federal Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 1,616 | $197,329,000 | $368,782 | $1,500,000 | $7,130 | $2,000,000 |
| Home Improvement (one-to-four family) | 195 | $5,940,000 | $29,000 | $200,000 | $59,000 | $190,000 |
| Home Purchase (one-to-four family) | 129 | $18,880,000 | $410,875 | $750,000 | $21,875 | $300,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $50,000 | $50,000 | $50,000 | $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 | 1,510 | $164,948,000 | $114,000 | $1,500,000 | $93,000 | $2,000,000 |
| Information not provided by applicant in mail or telephone application | 199 | $17,599,000 | $86,000 | $750,000 | $60,000 | $375,000 |
| Not applicable | 75 | $23,834,000 | $417,260 | $650,000 | $0 | $0 |
| Black | 63 | $6,578,000 | $104,000 | $600,000 | $74,000 | $293,000 |
| Asian or Pacific Islander | 49 | $5,272,000 | $120,000 | $450,000 | $78,000 | $308,000 |
| Hispanic | 31 | $2,481,000 | $78,500 | $165,000 | $46,500 | $81,000 |
| Other | 13 | $1,397,000 | $110,000 | $300,000 | $80,500 | $205,000 |
| American Indian or Alaskan Native | 1 | $90,000 | $90,000 | $90,000 | $124,000 | $124,000 |
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) | 1,941 | $222,199,000 | $389,583 | $1,500,000 | $6,500 | $2,000,000 |
| 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 | 1,309 | $143,557,000 | $112,500 | $1,500,000 | $91,000 | $2,000,000 |
| Application Denied By Financial Institution | 331 | $27,405,000 | $89,500 | $600,000 | $63,500 | $308,000 |
| Application Withdrawn By Applicant | 166 | $22,567,000 | $139,000 | $600,000 | $92,500 | $538,000 |
| Loan Purchased By The Institution | 75 | $23,834,000 | $417,260 | $650,000 | $0 | $0 |
| Application Approved But Not Accepted | 60 | $4,836,000 | $80,500 | $300,000 | $65,500 | $212,000 |
| File Closed For Incompleteness | 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 | 134 | $12,888,000 | $103,000 | $600,000 | $54,500 | $261,000 |
| Credit History | 122 | $7,375,000 | $74,000 | $232,000 | $54,500 | $170,000 |
| Collateral | 44 | $3,373,000 | $72,000 | $240,000 | $61,000 | $157,000 |
| Credit Application Incomplete | 14 | $1,738,000 | $124,500 | $300,000 | $75,500 | $152,000 |
| Unverifiable Information | 13 | $1,686,000 | $94,000 | $450,000 | $102,500 | $308,000 |
| Employment History | 3 | $340,000 | $113,000 | $235,000 | $32,000 | $74,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $44,000 | $44,000 |
| 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 Third Federal Bank's 2003 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 Third Federal Bank'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.