Proponent Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Proponent Federal Credit Union 2019 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 | 660 |
| Total Mortgage Loan Application Amount | $114,010,000 |
| Average Mortgage Loan Application Amount | $183,200 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $126,600 |
| Highest Applicant Income | $1,164,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 118 | $ 20,040,000 | $ 169,000 | $ 120,000 |
| Alamance County North Carolina | 104 | $ 10,090,000 | $ 97,000 | $ 86,000 |
| Bergen County New Jersey | 39 | $ 8,445,000 | $ 216,000 | $ 178,000 |
| Guilford County North Carolina | 35 | $ 3,165,000 | $ 90,000 | $ 85,000 |
| Morris County New Jersey | 33 | $ 7,575,000 | $ 229,000 | $ 158,000 |
| Passaic County New Jersey | 31 | $ 5,005,000 | $ 161,000 | $ 115,000 |
| Somerset County New Jersey | 23 | $ 4,295,000 | $ 186,000 | $ 151,000 |
| Union County New Jersey | 18 | $ 2,900,000 | $ 161,000 | $ 106,000 |
| Sussex County New Jersey | 17 | $ 2,765,000 | $ 162,000 | $ 141,000 |
| Middlesex County New Jersey | 12 | $ 1,880,000 | $ 156,000 | $ 120,000 |
| Ocean County New Jersey | 11 | $ 1,535,000 | $ 139,000 | $ 104,000 |
| Wake County North Carolina | 10 | $ 2,150,000 | $ 215,000 | $ 148,000 |
| Hudson County New Jersey | 9 | $ 2,095,000 | $ 232,000 | $ 136,000 |
| Hunterdon County New Jersey | 8 | $ 1,410,000 | $ 176,000 | $ 98,000 |
| Palm Beach County Florida | 6 | $ 710,000 | $ 118,000 | $ 63,000 |
| Alameda County California | 5 | $ 3,675,000 | $ 735,000 | $ 339,000 |
| Mercer County New Jersey | 5 | $ 805,000 | $ 161,000 | $ 141,000 |
| Monmouth County New Jersey | 5 | $ 1,035,000 | $ 207,000 | $ 131,000 |
| Brunswick County North Carolina | 5 | $ 365,000 | $ 73,000 | $ 82,000 |
| Durham County North Carolina | 5 | $ 1,035,000 | $ 207,000 | $ 70,000 |
| Horry County South Carolina | 5 | $ 905,000 | $ 181,000 | $ 72,000 |
| Maricopa County Arizona | 4 | $ 660,000 | $ 165,000 | $ 121,000 |
| Mecklenburg County North Carolina | 4 | $ 430,000 | $ 107,000 | $ 126,000 |
| Monroe County Pennsylvania | 4 | $ 490,000 | $ 122,000 | $ 103,000 |
| Harris County Texas | 4 | $ 350,000 | $ 87,000 | $ 349,000 |
| Broward County Florida | 3 | $ 465,000 | $ 155,000 | $ 108,000 |
| Cabarrus County North Carolina | 3 | $ 135,000 | $ 45,000 | $ 115,000 |
| Forsyth County North Carolina | 3 | $ 485,000 | $ 161,000 | $ 129,000 |
| Allegheny County Pennsylvania | 3 | $ 215,000 | $ 71,000 | $ 36,000 |
| Bucks County Pennsylvania | 3 | $ 455,000 | $ 151,000 | $ 444,000 |
| Marin County California | 2 | $ 1,460,000 | $ 730,000 | $ 274,000 |
| San Mateo County California | 2 | $ 2,130,000 | $ 1,065,000 | $ 311,000 |
| Fairfield County Connecticut | 2 | $ 260,000 | $ 130,000 | $ 239,000 |
| Orange County Florida | 2 | $ 480,000 | $ 240,000 | $ 96,000 |
| Sarasota County Florida | 2 | $ 860,000 | $ 430,000 | $ 140,000 |
| Seminole County Florida | 2 | $ 710,000 | $ 355,000 | $ 127,000 |
| St. Johns County Florida | 2 | $ 900,000 | $ 450,000 | $ 246,000 |
| St. Lucie County Florida | 2 | $ 240,000 | $ 120,000 | $ 68,000 |
| Forsyth County Georgia | 2 | $ 590,000 | $ 295,000 | $ 114,000 |
| Fulton County Georgia | 2 | $ 580,000 | $ 290,000 | $ 238,000 |
| Middlesex County Massachusetts | 2 | $ 710,000 | $ 355,000 | $ 263,000 |
| Jackson County Missouri | 2 | $ 320,000 | $ 160,000 | $ 106,000 |
| St. Louis County Missouri | 2 | $ 650,000 | $ 325,000 | $ 153,000 |
| Clark County Nevada | 2 | $ 260,000 | $ 130,000 | $ 157,000 |
| Cape May County New Jersey | 2 | $ 380,000 | $ 190,000 | $ 129,000 |
| Warren County New Jersey | 2 | $ 100,000 | $ 50,000 | $ 192,000 |
| Rockland County New York | 2 | $ 50,000 | $ 25,000 | $ 131,000 |
| Chatham County North Carolina | 2 | $ 340,000 | $ 170,000 | $ 122,000 |
| Craven County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 102,000 |
| Randolph County North Carolina | 2 | $ 180,000 | $ 90,000 | $ 63,000 |
| Union County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 67,000 |
| Chester County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 113,000 |
| Lehigh County Pennsylvania | 2 | $ 250,000 | $ 125,000 | $ 89,000 |
| Northampton County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 94,000 |
| Philadelphia County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 151,000 |
| Pike County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 90,000 |
| Florence County South Carolina | 2 | $ 300,000 | $ 150,000 | $ 78,000 |
| Collin County Texas | 2 | $ 690,000 | $ 345,000 | $ 135,000 |
| Jefferson County Alabama | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Limestone County Alabama | 1 | $ 295,000 | $ 295,000 | $ 154,000 |
| Pike County Alabama | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Contra Costa County California | 1 | $ 765,000 | $ 765,000 | $ 242,000 |
| Fresno County California | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Los Angeles County California | 1 | $ 585,000 | $ 585,000 | $ 178,000 |
| Sacramento County California | 1 | $ 495,000 | $ 495,000 | $ 116,000 |
| San Diego County California | 1 | $ 615,000 | $ 615,000 | $ 275,000 |
| San Francisco County California | 1 | $ 925,000 | $ 925,000 | $ 248,000 |
| Sonoma County California | 1 | $ 525,000 | $ 525,000 | $ 310,000 |
| Ventura County California | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Douglas County Colorado | 1 | $ 135,000 | $ 135,000 | $ 214,000 |
| Hartford County Connecticut | 1 | $ 355,000 | $ 355,000 | $ 220,000 |
| Collier County Florida | 1 | $ 355,000 | $ 355,000 | $ 70,000 |
| Pasco County Florida | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Pinellas County Florida | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Polk County Florida | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Suwannee County Florida | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Gwinnett County Georgia | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| Jackson County Georgia | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Morgan County Georgia | 1 | $ 185,000 | $ 185,000 | $ 326,000 |
| Newton County Georgia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Stephens County Georgia | 1 | $ 65,000 | $ 65,000 | $ 250,000 |
| Marion County Indiana | 1 | $ 315,000 | $ 315,000 | $ 213,000 |
| Porter County Indiana | 1 | $ 65,000 | $ 65,000 | $ 141,000 |
| Fayette County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 146,000 |
| Jefferson County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Cecil County Maryland | 1 | $ 75,000 | $ 75,000 | $ 139,000 |
| Montgomery County Maryland | 1 | $ 105,000 | $ 105,000 | $ 278,000 |
| Prince George's County Maryland | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Suffolk County Massachusetts | 1 | $ 995,000 | $ 995,000 | $ 255,000 |
| Wayne County Michigan | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Hennepin County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 201,000 |
| Washington County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Burlington County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Camden County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 283,000 |
| Gloucester County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 348,000 |
| Nassau County New York | 1 | $ 295,000 | $ 295,000 | $ 89,000 |
| Orange County New York | 1 | $ 135,000 | $ 135,000 | $ 231,000 |
| Richmond County New York | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Caswell County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Cumberland County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Davidson County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Davie County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Gaston County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Granville County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 142,000 |
| Orange County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Pender County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Pitt County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Rockingham County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 156,000 |
| Rowan County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Franklin County Ohio | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Muskingum County Ohio | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Summit County Ohio | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Tulsa County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Dauphin County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Lackawanna County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 210,000 |
| Lancaster County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 174,000 |
| Montgomery County Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 148,000 |
| Washington County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 154,000 |
| Abbeville County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Oconee County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 194,000 |
| Shelby County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Fort Bend County Texas | 1 | $ 435,000 | $ 435,000 | $ 355,000 |
| Mecklenburg County Virginia | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Patrick County Virginia | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Prince William County Virginia | 1 | $ 395,000 | $ 395,000 | $ 137,000 |
| Kitsap County Washington | 1 | $ 655,000 | $ 655,000 | $ 190,000 |
| Boone County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Proponent Federal 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 |
|---|---|---|---|---|---|---|
| Refinancing | 172 | $31,480,000 | $183,000 | $975,000 | $128,000 | $518,000 |
| Other Purpose | 144 | $9,410,000 | $65,000 | $455,000 | $118,000 | $1,164,000 |
| Home Purchase | 131 | $34,235,000 | $261,000 | $995,000 | $129,000 | $400,000 |
| Home Improvement | 127 | $11,795,000 | $92,000 | $925,000 | $120,000 | $374,000 |
| Cash-out Refinancing | 86 | $27,090,000 | $315,000 | $1,175,000 | $138,000 | $538,000 |
| 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 | 334 | $56,100,000 | $167,000 | $1,175,000 | $126,000 | $531,000 |
| Not Provided | 115 | $21,755,000 | $189,000 | $975,000 | $124,000 | $538,000 |
| Black or African American | 83 | $10,805,000 | $130,000 | $765,000 | $96,000 | $324,000 |
| Hispanic | 52 | $7,090,000 | $136,000 | $405,000 | $117,000 | $374,000 |
| Asian | 50 | $11,980,000 | $239,000 | $885,000 | $173,000 | $1,164,000 |
| American Indian or Alaskan Native | 3 | $585,000 | $195,000 | $385,000 | $129,000 | $186,000 |
| 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) | 660 | $114,010,000 | $172,000 | $1,175,000 | $126,000 | $1,164,000 |
| 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 | 354 | $64,950,000 | $183,000 | $1,175,000 | $138,000 | $538,000 |
| Application Withdrawn By Applicant | 154 | $29,620,000 | $192,000 | $1,175,000 | $125,000 | $531,000 |
| Application Denied By Financial Institution | 139 | $18,195,000 | $130,000 | $645,000 | $97,000 | $1,164,000 |
| File Closed For Incompleteness | 8 | $510,000 | $63,000 | $125,000 | $76,000 | $210,000 |
| Application Approved But Not Accepted | 5 | $735,000 | $147,000 | $405,000 | $181,000 | $250,000 |
| 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 | 521 | $95,815,000 | $183,000 | $1,175,000 | $133,000 | $538,000 |
| Credit History | 51 | $5,805,000 | $113,000 | $645,000 | $73,000 | $200,000 |
| Debt-To-Income Ratio | 43 | $6,285,000 | $146,000 | $505,000 | $77,000 | $175,000 |
| Other | 25 | $3,495,000 | $139,000 | $505,000 | $162,000 | $1,164,000 |
| Collateral | 16 | $1,450,000 | $90,000 | $325,000 | $109,000 | $236,000 |
| Credit Application Incomplete | 3 | $1,125,000 | $375,000 | $565,000 | $208,000 | $324,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Proponent Federal 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 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.