Bhcu D/B/A Propell Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Bhcu D/B/A Propell Credit Union of Ridley Park, PA reported 131 mortgage applications totaling $16.9 million, down 19% from 2018. The average application was for $128,664, and applicants reported an average income of $142,038. 81% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Philadelphia, PA (72), Montgomery County-Bucks County-Chester County, PA (22) and Camden, NJ (12) (applications in parentheses).
| Mortgage Company & Address | Bhcu D/B/A Propell Credit Union 501 Industrial Hwy Ridley Park, PA 19078 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 131 |
| Total Mortgage Loan Application Amount | $16,855,000 |
| Average Mortgage Loan Application Amount | $128,664 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $142,038 |
| Highest Applicant Income | $512,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bhcu D/B/A Propell Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Delaware, Pennsylvania | 68 | $ 7,200,000 | $ 105,882 | $ 130,000 |
| Chester, Pennsylvania | 18 | $ 2,860,000 | $ 158,888 | $ 147,000 |
| New Castle, Delaware | 11 | $ 725,000 | $ 65,909 | $ 102,000 |
| Gloucester, New Jersey | 10 | $ 1,300,000 | $ 130,000 | $ 168,000 |
| Cape May, New Jersey | 6 | $ 2,060,000 | $ 343,333 | $ 263,000 |
| Philadelphia, Pennsylvania | 4 | $ 800,000 | $ 200,000 | $ 112,000 |
| Atlantic, New Jersey | 3 | $ 495,000 | $ 165,000 | $ 176,000 |
| Montgomery, Pennsylvania | 3 | $ 425,000 | $ 141,666 | $ 177,000 |
| Maricopa, Arizona | 1 | $ 85,000 | $ 85,000 | $ 216,000 |
| Kent, Maryland | 1 | $ 465,000 | $ 465,000 | $ 217,000 |
| Bergen, New Jersey | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Burlington, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Camden, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 139,000 |
| Bucks, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Lancaster, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Charleston, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 367,000 |
Mortgage Loan Application Detail Totals for Bhcu D/B/A Propell Credit Union in 2019
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 Improvement | 59 | $3,495,000 | $59,000 | $245,000 | $129,000 | $270,000 |
| Other Purpose | 26 | $3,090,000 | $118,000 | $495,000 | $140,000 | $385,000 |
| Cash-out Refinancing | 26 | $5,870,000 | $225,000 | $625,000 | $150,000 | $335,000 |
| Refinancing | 9 | $1,775,000 | $197,000 | $385,000 | $171,000 | $512,000 |
| Home Purchase | 9 | $2,555,000 | $283,000 | $565,000 | $193,000 | $367,000 |
| Not Applicable | 2 | $70,000 | $35,000 | $45,000 | $90,000 | $108,000 |
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 | 125 | $16,425,000 | $131,000 | $625,000 | $144,000 | $512,000 |
| Black or African American | 6 | $430,000 | $71,000 | $135,000 | $107,000 | $234,000 |
| Hispanic | 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 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 131 | $16,855,000 | $128,000 | $625,000 | $142,000 | $512,000 |
| 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 | 106 | $13,630,000 | $128,000 | $625,000 | $140,000 | $512,000 |
| Application Denied By Financial Institution | 17 | $2,105,000 | $123,000 | $605,000 | $137,000 | $367,000 |
| Application Withdrawn By Applicant | 7 | $1,095,000 | $156,000 | $255,000 | $175,000 | $335,000 |
| Application Approved But Not Accepted | 1 | $25,000 | $25,000 | $25,000 | $181,000 | $181,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 114 | $14,750,000 | $129,000 | $625,000 | $143,000 | $512,000 |
| Debt-To-Income Ratio | 9 | $1,555,000 | $172,000 | $605,000 | $112,000 | $217,000 |
| Collateral | 4 | $260,000 | $65,000 | $145,000 | $211,000 | $367,000 |
| Credit History | 4 | $290,000 | $72,000 | $125,000 | $118,000 | $185,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bhcu D/B/A Propell Credit Union's 2019 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 Bhcu D/B/A Propell Credit Union'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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