Proponent Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Proponent Federal Credit Union 2018 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 | Proponent Federal Credit Union 536 Washington Ave. Nutley, NJ 07110 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 477 |
| Total Mortgage Loan Application Amount | $86,045,000 |
| Average Mortgage Loan Application Amount | $183,200 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $132,200 |
| Highest Applicant Income | $579,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Proponent Federal Credit Union. 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 Proponent Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Proponent Federal Credit Union'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 Proponent Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Proponent Federal Credit Union, 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 Proponent Federal Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Essex County New Jersey | 96 | $ 17,500,000 | $ 182,000 | $ 125,000 |
| Alamance County North Carolina | 62 | $ 5,770,000 | $ 93,000 | $ 80,000 |
| Passaic County New Jersey | 30 | $ 4,950,000 | $ 165,000 | $ 125,000 |
| Bergen County New Jersey | 29 | $ 5,975,000 | $ 206,000 | $ 142,000 |
| Morris County New Jersey | 27 | $ 8,445,000 | $ 312,000 | $ 203,000 |
| Middlesex County New Jersey | 21 | $ 4,045,000 | $ 192,000 | $ 129,000 |
| Somerset County New Jersey | 15 | $ 3,415,000 | $ 227,000 | $ 169,000 |
| Guilford County North Carolina | 14 | $ 1,480,000 | $ 105,000 | $ 116,000 |
| Wake County North Carolina | 12 | $ 2,120,000 | $ 176,000 | $ 109,000 |
| Hudson County New Jersey | 10 | $ 1,500,000 | $ 150,000 | $ 123,000 |
| Monmouth County New Jersey | 8 | $ 1,350,000 | $ 168,000 | $ 167,000 |
| Northampton County Pennsylvania | 7 | $ 885,000 | $ 126,000 | $ 96,000 |
| Union County New Jersey | 6 | $ 1,110,000 | $ 185,000 | $ 133,000 |
| Durham County North Carolina | 6 | $ 490,000 | $ 81,000 | $ 92,000 |
| Los Angeles County California | 5 | $ 2,655,000 | $ 531,000 | $ 182,000 |
| Ocean County New Jersey | 5 | $ 405,000 | $ 81,000 | $ 194,000 |
| Palm Beach County Florida | 4 | $ 690,000 | $ 172,000 | $ 232,000 |
| Hillsborough County Florida | 3 | $ 125,000 | $ 41,000 | $ 133,000 |
| Plymouth County Massachusetts | 3 | $ 765,000 | $ 255,000 | $ 157,000 |
| Hunterdon County New Jersey | 3 | $ 765,000 | $ 255,000 | $ 146,000 |
| Sussex County New Jersey | 3 | $ 385,000 | $ 128,000 | $ 178,000 |
| Warren County New Jersey | 3 | $ 295,000 | $ 98,000 | $ 65,000 |
| Kings County New York | 3 | $ 1,355,000 | $ 451,000 | $ 110,000 |
| Caswell County North Carolina | 3 | $ 125,000 | $ 41,000 | $ 49,000 |
| Orange County North Carolina | 3 | $ 295,000 | $ 98,000 | $ 73,000 |
| Bucks County Pennsylvania | 3 | $ 915,000 | $ 305,000 | $ 188,000 |
| Horry County South Carolina | 3 | $ 265,000 | $ 88,000 | $ 89,000 |
| Jefferson County Alabama | 2 | $ 110,000 | $ 55,000 | $ 68,000 |
| Fresno County California | 2 | $ 400,000 | $ 200,000 | $ 141,000 |
| San Francisco County California | 2 | $ 1,260,000 | $ 630,000 | $ 294,000 |
| San Mateo County California | 2 | $ 1,080,000 | $ 540,000 | $ 270,000 |
| Hartford County Connecticut | 2 | $ 80,000 | $ 40,000 | $ 200,000 |
| Broward County Florida | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Jackson County Georgia | 2 | $ 270,000 | $ 135,000 | $ 109,000 |
| Baltimore City County Maryland | 2 | $ 240,000 | $ 120,000 | $ 253,000 |
| Middlesex County Massachusetts | 2 | $ 380,000 | $ 190,000 | $ 227,000 |
| Burlington County New Jersey | 2 | $ 110,000 | $ 55,000 | $ 136,000 |
| Cape May County New Jersey | 2 | $ 480,000 | $ 240,000 | $ 213,000 |
| Mercer County New Jersey | 2 | $ 370,000 | $ 185,000 | $ 269,000 |
| Rockland County New York | 2 | $ 110,000 | $ 55,000 | $ 128,000 |
| Chatham County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 79,000 |
| Lee County North Carolina | 2 | $ 90,000 | $ 45,000 | $ 53,000 |
| Mecklenburg County North Carolina | 2 | $ 60,000 | $ 30,000 | $ 37,000 |
| New Hanover County North Carolina | 2 | $ 110,000 | $ 55,000 | $ 78,000 |
| Monroe County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 100,000 |
| Montgomery County Pennsylvania | 2 | $ 830,000 | $ 415,000 | $ 158,000 |
| Alameda County California | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Napa County California | 1 | $ 475,000 | $ 475,000 | $ 240,000 |
| Orange County California | 1 | $ 675,000 | $ 675,000 | $ 311,000 |
| San Diego County California | 1 | $ 255,000 | $ 255,000 | $ 137,000 |
| Sonoma County California | 1 | $ 1,065,000 | $ 1,065,000 | $ 196,000 |
| Fairfield County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 200,000 |
| Sussex County Delaware | 1 | $ 395,000 | $ 395,000 | $ 297,000 |
| Collier County Florida | 1 | $ 215,000 | $ 215,000 | $ 218,000 |
| Pasco County Florida | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Sarasota County Florida | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| Seminole County Florida | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Chatham County Georgia | 1 | $ 55,000 | $ 55,000 | $ 26,000 |
| Dougherty County Georgia | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Gwinnett County Georgia | 1 | $ 185,000 | $ 185,000 | $ 59,000 |
| Stephens County Georgia | 1 | $ 45,000 | $ 45,000 | $ 224,000 |
| Jefferson County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Worcester County Maryland | 1 | $ 15,000 | $ 15,000 | $ 99,000 |
| Barnstable County Massachusetts | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Suffolk County Massachusetts | 1 | $ 645,000 | $ 645,000 | $ 145,000 |
| Worcester County Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Washington County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Daviess County Missouri | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Clark County Nevada | 1 | $ 325,000 | $ 325,000 | $ 148,000 |
| Orange County New York | 1 | $ 455,000 | $ 455,000 | $ 202,000 |
| Richmond County New York | 1 | $ 705,000 | $ 705,000 | $ 144,000 |
| Suffolk County New York | 1 | $ 45,000 | $ 45,000 | $ 139,000 |
| Sullivan County New York | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Westchester County New York | 1 | $ 305,000 | $ 305,000 | $ 224,000 |
| Ashe County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 279,000 |
| Brunswick County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Buncombe County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 151,000 |
| Cleveland County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Craven County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Granville County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Randolph County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 86,000 |
| Wilkes County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 137,000 |
| Delaware County Ohio | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Lucas County Ohio | 1 | $ 285,000 | $ 285,000 | $ 158,000 |
| Philadelphia County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Pike County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 145,000 |
| Wayne County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 280,000 |
| Beaufort County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 200,000 |
| Florence County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Lancaster County South Carolina | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Anderson County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 172,000 |
| Bexar County Texas | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Dallas County Texas | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Fort Bend County Texas | 1 | $ 335,000 | $ 335,000 | $ 205,000 |
| Davis County Utah | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Carroll County Virginia | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Fairfax County Virginia | 1 | $ 55,000 | $ 55,000 | $ 114,000 |
| Kanawha County West Virginia | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Proponent Federal Credit Union in 2018
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 | 139 | $43,595,000 | $313,000 | $1,165,000 | $150,000 | $579,000 |
| Refinancing | 118 | $17,950,000 | $152,000 | $885,000 | $119,000 | $506,000 |
| Other Purpose | 110 | $7,270,000 | $66,000 | $375,000 | $106,000 | $376,000 |
| Home Improvement | 70 | $4,180,000 | $59,000 | $255,000 | $131,000 | $500,000 |
| Cash-out Refinancing | 40 | $13,050,000 | $326,000 | $1,005,000 | $155,000 | $377,000 |
| 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 | 271 | $45,995,000 | $169,000 | $1,065,000 | $123,000 | $500,000 |
| Not Provided | 75 | $13,755,000 | $183,000 | $775,000 | $139,000 | $533,000 |
| Black or African American | 47 | $5,605,000 | $119,000 | $935,000 | $101,000 | $237,000 |
| Hispanic | 37 | $4,185,000 | $113,000 | $615,000 | $124,000 | $261,000 |
| Asian | 28 | $10,840,000 | $387,000 | $1,165,000 | $211,000 | $579,000 |
| American Indian or Alaskan Native | 2 | $350,000 | $175,000 | $245,000 | $83,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $89,000 | $89,000 |
| 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) | 477 | $86,045,000 | $180,000 | $1,165,000 | $130,000 | $579,000 |
| 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 | 314 | $56,810,000 | $180,000 | $1,165,000 | $132,000 | $506,000 |
| Application Withdrawn By Applicant | 83 | $19,885,000 | $239,000 | $885,000 | $135,000 | $579,000 |
| Application Denied By Financial Institution | 73 | $8,115,000 | $111,000 | $885,000 | $105,000 | $415,000 |
| Application Approved But Not Accepted | 4 | $1,070,000 | $267,000 | $375,000 | $207,000 | $319,000 |
| File Closed For Incompleteness | 3 | $165,000 | $55,000 | $75,000 | $227,000 | $500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 404 | $77,930,000 | $192,000 | $1,165,000 | $134,000 | $579,000 |
| Credit History | 34 | $3,070,000 | $90,000 | $285,000 | $110,000 | $415,000 |
| Debt-To-Income Ratio | 17 | $2,215,000 | $130,000 | $425,000 | $84,000 | $164,000 |
| Collateral | 15 | $875,000 | $58,000 | $205,000 | $100,000 | $239,000 |
| Other | 3 | $425,000 | $141,000 | $335,000 | $127,000 | $205,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $209,000 | $209,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $71,000 | $71,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 1 | $885,000 | $885,000 | $885,000 | $300,000 | $300,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proponent Federal Credit Union's 2018 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 Proponent Federal 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.