Bsi Financial Services, Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Bsi Financial Services, Inc. 2004 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 | Bsi Financial Services, Inc. 314 S. Franklin St. P.O. Box 517 Titusville, PA 16354 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 370 |
| Total Mortgage Loan Application Amount | $42,107,000 |
| Average Mortgage Loan Application Amount | $128,097 |
| Highest Mortgage Loan Application Amount | $383,000 |
| Average Applicant Income | $67,585 |
| Highest Applicant Income | $360,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Bsi Financial Services, Inc.. 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 Bsi Financial Services, Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Bsi Financial Services, Inc.'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 Bsi Financial Services, Inc. serves its applicants.
Each category highlights the total number of mortgage applications processed by Bsi Financial Services, Inc., 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 Bsi Financial Services, Inc.'s mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Crawford County Pennsylvania | 40 | $ 2,136,000 | $ 53,000 | $ 36,000 |
| Los Angeles County California | 21 | $ 3,997,000 | $ 190,000 | $ 90,000 |
| Venango County Pennsylvania | 12 | $ 668,000 | $ 55,000 | $ 37,000 |
| Brevard County Florida | 10 | $ 1,142,000 | $ 114,000 | $ 55,000 |
| Hartford County Connecticut | 9 | $ 1,315,000 | $ 146,000 | $ 82,000 |
| Erie County Pennsylvania | 9 | $ 867,000 | $ 96,000 | $ 56,000 |
| Montgomery County Maryland | 8 | $ 1,365,000 | $ 170,000 | $ 85,000 |
| Kent County Michigan | 8 | $ 639,000 | $ 79,000 | $ 45,000 |
| Kern County California | 7 | $ 993,000 | $ 141,000 | $ 57,000 |
| Westmoreland County Pennsylvania | 6 | $ 449,000 | $ 74,000 | $ 41,000 |
| Lake County Indiana | 5 | $ 649,000 | $ 129,000 | $ 73,000 |
| Houston County Alabama | 4 | $ 486,000 | $ 121,000 | $ 84,000 |
| San Bernardino County California | 4 | $ 666,000 | $ 166,000 | $ 74,000 |
| Polk County Florida | 4 | $ 292,000 | $ 73,000 | $ 72,000 |
| Prince George's County Maryland | 4 | $ 561,000 | $ 140,000 | $ 39,000 |
| Burlington County New Jersey | 4 | $ 450,000 | $ 112,000 | $ 67,000 |
| Morris County New Jersey | 4 | $ 462,000 | $ 115,000 | $ 37,000 |
| Allegheny County Pennsylvania | 4 | $ 203,000 | $ 50,000 | $ 35,000 |
| Mercer County Pennsylvania | 4 | $ 177,000 | $ 44,000 | $ 30,000 |
| Philadelphia County Pennsylvania | 4 | $ 342,000 | $ 85,000 | $ 35,000 |
| Warren County Pennsylvania | 4 | $ 480,000 | $ 120,000 | $ 57,000 |
| Brazos County Texas | 4 | $ 200,000 | $ 50,000 | $ 55,000 |
| Fresno County California | 3 | $ 458,000 | $ 152,000 | $ 72,000 |
| New Haven County Connecticut | 3 | $ 436,000 | $ 145,000 | $ 172,000 |
| Sussex County Delaware | 3 | $ 620,000 | $ 206,000 | $ 79,000 |
| Anne Arundel County Maryland | 3 | $ 471,000 | $ 157,000 | $ 73,000 |
| Muskegon County Michigan | 3 | $ 189,000 | $ 63,000 | $ 36,000 |
| Clark County Nevada | 3 | $ 288,000 | $ 96,000 | $ 83,000 |
| Bergen County New Jersey | 3 | $ 578,000 | $ 192,000 | $ 69,000 |
| Camden County New Jersey | 3 | $ 287,000 | $ 95,000 | $ 64,000 |
| Monmouth County New Jersey | 3 | $ 536,000 | $ 178,000 | $ 57,000 |
| Cumberland County Pennsylvania | 3 | $ 343,000 | $ 114,000 | $ 57,000 |
| Lancaster County Pennsylvania | 3 | $ 406,000 | $ 135,000 | $ 65,000 |
| Jackson County Alabama | 2 | $ 175,000 | $ 87,000 | $ 49,000 |
| St. Clair County Alabama | 2 | $ 276,000 | $ 138,000 | $ 59,000 |
| Benton County Arkansas | 2 | $ 358,000 | $ 179,000 | $ 74,000 |
| New Castle County Delaware | 2 | $ 75,000 | $ 37,000 | $ 62,000 |
| Miami-Dade County Florida | 2 | $ 143,000 | $ 71,000 | $ 31,000 |
| Palm Beach County Florida | 2 | $ 230,000 | $ 115,000 | $ 81,000 |
| DeKalb County Georgia | 2 | $ 205,000 | $ 102,000 | $ 76,000 |
| St. Joseph County Indiana | 2 | $ 171,000 | $ 85,000 | $ 72,000 |
| Charlevoix County Michigan | 2 | $ 232,000 | $ 116,000 | $ 116,000 |
| Atlantic County New Jersey | 2 | $ 140,000 | $ 70,000 | $ 30,000 |
| Essex County New Jersey | 2 | $ 318,000 | $ 159,000 | $ 36,000 |
| Mercer County New Jersey | 2 | $ 143,000 | $ 71,000 | $ 120,000 |
| Middlesex County New Jersey | 2 | $ 488,000 | $ 244,000 | $ 67,000 |
| Passaic County New Jersey | 2 | $ 355,000 | $ 177,000 | $ 57,000 |
| Union County New Jersey | 2 | $ 202,000 | $ 101,000 | $ 67,000 |
| Suffolk County New York | 2 | $ 255,000 | $ 127,000 | $ 61,000 |
| Wayne County Ohio | 2 | $ 112,000 | $ 56,000 | $ 50,000 |
| Bucks County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 53,000 |
| Forest County Pennsylvania | 2 | $ 113,000 | $ 56,000 | $ 73,000 |
| Mifflin County Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 25,000 |
| Montgomery County Pennsylvania | 2 | $ 286,000 | $ 143,000 | $ 45,000 |
| Coffee County Alabama | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Jefferson County Alabama | 1 | $ 370,000 | $ 370,000 | $ 40,000 |
| Lawrence County Alabama | 1 | $ 71,000 | $ 71,000 | $ 68,000 |
| Marshall County Alabama | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Morgan County Alabama | 1 | $ 71,000 | $ 71,000 | $ 37,000 |
| Shelby County Alabama | 1 | $ 78,000 | $ 78,000 | $ 42,000 |
| Monterey County California | 1 | $ 198,000 | $ 198,000 | $ 340,000 |
| Sacramento County California | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Fairfield County Connecticut | 1 | $ 189,000 | $ 189,000 | $ 88,000 |
| Litchfield County Connecticut | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Tolland County Connecticut | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Broward County Florida | 1 | $ 70,000 | $ 70,000 | $ 45,000 |
| Collier County Florida | 1 | $ 40,000 | $ 40,000 | $ 91,000 |
| Duval County Florida | 1 | $ 81,000 | $ 81,000 | $ 22,000 |
| Jackson County Florida | 1 | $ 77,000 | $ 77,000 | $ 47,000 |
| Pinellas County Florida | 1 | $ 76,000 | $ 76,000 | $ 86,000 |
| Catoosa County Georgia | 1 | $ 241,000 | $ 241,000 | $ 80,000 |
| Clay County Georgia | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| Clayton County Georgia | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Dawson County Georgia | 1 | $ 110,000 | $ 110,000 | $ 67,000 |
| Fulton County Georgia | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Gwinnett County Georgia | 1 | $ 265,000 | $ 265,000 | $ 200,000 |
| Muscogee County Georgia | 1 | $ 18,000 | $ 18,000 | $ 20,000 |
| Cook County Illinois | 1 | $ 156,000 | $ 156,000 | $ 45,000 |
| Kane County Illinois | 1 | $ 103,000 | $ 103,000 | $ 61,000 |
| Lake County Illinois | 1 | $ 111,000 | $ 111,000 | $ 55,000 |
| Jasper County Indiana | 1 | $ 51,000 | $ 51,000 | $ 57,000 |
| Vanderburgh County Indiana | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Carroll County Maryland | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Harford County Maryland | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Howard County Maryland | 1 | $ 100,000 | $ 100,000 | $ 166,000 |
| Somerset County Maryland | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Middlesex County Massachusetts | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Ingham County Michigan | 1 | $ 215,000 | $ 215,000 | $ 30,000 |
| Ionia County Michigan | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Kalamazoo County Michigan | 1 | $ 78,000 | $ 78,000 | $ 50,000 |
| Lake County Michigan | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Newaygo County Michigan | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Oakland County Michigan | 1 | $ 36,000 | $ 36,000 | $ 38,000 |
| Ottawa County Michigan | 1 | $ 189,000 | $ 189,000 | $ 144,000 |
| Ramsey County Minnesota | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Rockingham County New Hampshire | 1 | $ 354,000 | $ 354,000 | $ 113,000 |
| Gloucester County New Jersey | 1 | $ 251,000 | $ 251,000 | $ 112,000 |
| Hunterdon County New Jersey | 1 | $ 60,000 | $ 60,000 | $ 91,000 |
| Ocean County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 93,000 |
| Somerset County New Jersey | 1 | $ 334,000 | $ 334,000 | $ 83,000 |
| Warren County New Jersey | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Chautauqua County New York | 1 | $ 131,000 | $ 131,000 | $ 142,000 |
| Monroe County New York | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
| Queens County New York | 1 | $ 383,000 | $ 383,000 | $ 45,000 |
| New Hanover County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 32,000 |
| Ottawa County Ohio | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Berks County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| Blair County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 24,000 |
| Cambria County Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 18,000 |
| Clarion County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Dauphin County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
| Delaware County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 80,000 |
| Franklin County Pennsylvania | 1 | $ 73,000 | $ 73,000 | $ 43,000 |
| Fulton County Pennsylvania | 1 | $ 70,000 | $ 70,000 | $ 24,000 |
| Huntingdon County Pennsylvania | 1 | $ 103,000 | $ 103,000 | $ 49,000 |
| Luzerne County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 64,000 |
| McKean County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 78,000 |
| Monroe County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 84,000 |
| Pike County Pennsylvania | 1 | $ 89,000 | $ 89,000 | $ 88,000 |
| Wyoming County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| York County Pennsylvania | 1 | $ 264,000 | $ 264,000 | $ 249,000 |
| Richland County South Carolina | 1 | $ 238,000 | $ 238,000 | $ 141,000 |
| Giles County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 16,000 |
| Hamilton County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 94,000 |
| Chambers County Texas | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| Harris County Texas | 1 | $ 21,000 | $ 21,000 | $ 42,000 |
| Montgomery County Texas | 1 | $ 315,000 | $ 315,000 | $ 65,000 |
| Chesterfield County Virginia | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Fairfax County Virginia | 1 | $ 237,000 | $ 237,000 | $ 30,000 |
| Fauquier County Virginia | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Henrico County Virginia | 1 | $ 147,000 | $ 147,000 | $ 91,000 |
| Manassas County Virginia | 1 | $ 178,000 | $ 178,000 | $ 88,000 |
| Middlesex County Virginia | 1 | $ 100,000 | $ 100,000 | $ 166,000 |
| Montgomery County Virginia | 1 | $ 147,000 | $ 147,000 | $ 108,000 |
| Roanoke County Virginia | 1 | $ 104,000 | $ 104,000 | $ 26,000 |
| Virginia Beach County Virginia | 1 | $ 160,000 | $ 160,000 | $ 360,000 |
| Snohomish County Washington | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Columbia County Wisconsin | 1 | $ 193,000 | $ 193,000 | $ 25,000 |
| Lincoln County Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Bsi Financial Services, Inc. in 2004
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 | 271 | $32,335,000 | $127,120 | $383,000 | $74,800 | $360,000 |
| Home Purchase | 99 | $9,772,000 | $129,625 | $370,000 | $56,312 | $238,000 |
| Home Improvement | 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 | 339 | $38,386,000 | $123,321 | $370,000 | $71,928 | $340,000 |
| Black or African American | 13 | $1,702,000 | $110,444 | $383,000 | $46,888 | $109,000 |
| Hispanic | 8 | $1,132,000 | $148,750 | $200,000 | $58,250 | $96,000 |
| Not Provided | 7 | $646,000 | $98,833 | $160,000 | $121,166 | $360,000 |
| Asian | 3 | $241,000 | $80,333 | $146,000 | $65,666 | $101,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 370 | $42,107,000 | $122,392 | $383,000 | $70,928 | $360,000 |
| 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 | 169 | $19,864,000 | $116,000 | $334,000 | $82,954 | $360,000 |
| Application Withdrawn By Applicant | 139 | $16,680,000 | $144,181 | $383,000 | $60,818 | $238,000 |
| Application Denied By Financial Institution | 59 | $5,295,000 | $92,000 | $334,000 | $49,714 | $317,000 |
| Application Approved But Not Accepted | 3 | $268,000 | $97,000 | $120,000 | $51,500 | $72,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $221,000 | $44,000 | $61,000 | $27,000 | $43,000 |
| Debt-To-Income Ratio | 2 | $213,000 | $106,500 | $195,000 | $35,000 | $50,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bsi Financial Services, Inc.'s 2004 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 Bsi Financial Services, Inc.'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.