X - Healthcare Employees FCU - Moved to Portico 2025/09/01 Mortgage Lending & HMDA Data, 2025
In 2025, X - Healthcare Employees FCU - Moved to Portico 2025/09/01 of Princeton, NJ reported 109 mortgage applications totaling $9.9 million, up 9% from 2024. The average application was for $90,871, and applicants reported an average income of $169,981. 98% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Lakewood-New Brunswick, NJ (37), Camden, NJ (27) and Newark, NJ-PA (16) (applications in parentheses).
| Mortgage Company & Address | X - Healthcare Employees FCU - Moved to Portico 2025/09/01 29 Emmons Drive Suite C-40 Princeton, NJ 08540 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 109 |
| Total Mortgage Loan Application Amount | $9,905,000 |
| Average Mortgage Loan Application Amount | $90,871 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $169,981 |
| Highest Applicant Income | $552,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records X - Healthcare Employees FCU - Moved to Portico 2025/09/01 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for X - Healthcare Employees FCU - Moved to Portico 2025/09/01 in 2025
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 | 61 | $5,545,000 | $90,000 | $355,000 | $171,000 | $552,000 |
| Other Purpose | 32 | $2,570,000 | $80,000 | $345,000 | $179,000 | $345,000 |
| Refinancing | 13 | $1,165,000 | $89,000 | $185,000 | $152,000 | $285,000 |
| Cash-out Refinancing | 2 | $420,000 | $210,000 | $215,000 | $94,000 | $130,000 |
| Home Purchase | 1 | $205,000 | $205,000 | $205,000 | $205,000 | $205,000 |
| Not Applicable | 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 | 58 | $5,450,000 | $93,000 | $345,000 | $177,000 | $537,000 |
| Asian | 15 | $1,415,000 | $94,000 | $205,000 | $172,000 | $321,000 |
| Hispanic | 14 | $1,100,000 | $78,000 | $195,000 | $141,000 | $251,000 |
| Not Provided | 14 | $1,360,000 | $97,000 | $355,000 | $144,000 | $277,000 |
| Black or African American | 7 | $325,000 | $46,000 | $75,000 | $159,000 | $345,000 |
| Not applicable | 1 | $255,000 | $255,000 | $255,000 | $552,000 | $552,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 109 | $9,905,000 | $90,000 | $355,000 | $170,000 | $552,000 |
| 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 | 107 | $9,485,000 | $88,000 | $355,000 | $171,000 | $552,000 |
| Application Denied By Financial Institution | 2 | $420,000 | $210,000 | $215,000 | $94,000 | $130,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 107 | $9,485,000 | $88,000 | $355,000 | $171,000 | $552,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $130,000 | $130,000 |
| Debt-To-Income Ratio | 1 | $215,000 | $215,000 | $215,000 | $59,000 | $59,000 |
| 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 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into X - Healthcare Employees FCU - Moved to Portico 2025/09/01's 2025 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 X - Healthcare Employees FCU - Moved to Portico 2025/09/01'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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