Proponent Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Proponent Federal Credit Union 2021 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 | 717 |
| Total Mortgage Loan Application Amount | $124,925,000 |
| Average Mortgage Loan Application Amount | $209,400 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $134,400 |
| Highest Applicant Income | $2,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 138 | $ 23,410,000 | $ 169,000 | $ 135,000 |
| Alamance County North Carolina | 89 | $ 7,455,000 | $ 83,000 | $ 84,000 |
| Bergen County New Jersey | 51 | $ 11,495,000 | $ 225,000 | $ 171,000 |
| Morris County New Jersey | 37 | $ 9,305,000 | $ 251,000 | $ 195,000 |
| Guilford County North Carolina | 35 | $ 4,135,000 | $ 118,000 | $ 87,000 |
| Passaic County New Jersey | 30 | $ 5,960,000 | $ 198,000 | $ 117,000 |
| Somerset County New Jersey | 21 | $ 3,915,000 | $ 186,000 | $ 137,000 |
| Union County New Jersey | 13 | $ 2,435,000 | $ 187,000 | $ 128,000 |
| Wake County North Carolina | 13 | $ 2,815,000 | $ 216,000 | $ 111,000 |
| Middlesex County New Jersey | 12 | $ 2,230,000 | $ 185,000 | $ 118,000 |
| Sussex County New Jersey | 10 | $ 1,780,000 | $ 178,000 | $ 135,000 |
| Warren County New Jersey | 10 | $ 1,930,000 | $ 193,000 | $ 110,000 |
| Monmouth County New Jersey | 9 | $ 2,425,000 | $ 269,000 | $ 206,000 |
| Ocean County New Jersey | 9 | $ 1,795,000 | $ 199,000 | $ 88,000 |
| Hudson County New Jersey | 7 | $ 1,945,000 | $ 277,000 | $ 154,000 |
| Northampton County Pennsylvania | 7 | $ 1,015,000 | $ 145,000 | $ 105,000 |
| Durham County North Carolina | 6 | $ 990,000 | $ 165,000 | $ 86,000 |
| Florence County South Carolina | 6 | $ 440,000 | $ 73,000 | $ 85,000 |
| Alameda County California | 5 | $ 1,215,000 | $ 243,000 | $ 268,000 |
| Hunterdon County New Jersey | 5 | $ 775,000 | $ 155,000 | $ 116,000 |
| Contra Costa County California | 4 | $ 1,560,000 | $ 390,000 | $ 262,000 |
| San Francisco County California | 4 | $ 1,770,000 | $ 442,000 | $ 521,000 |
| San Mateo County California | 4 | $ 3,360,000 | $ 840,000 | $ 272,000 |
| Manatee County Florida | 4 | $ 1,040,000 | $ 260,000 | $ 669,000 |
| Palm Beach County Florida | 4 | $ 700,000 | $ 175,000 | $ 68,000 |
| Horry County South Carolina | 4 | $ 580,000 | $ 145,000 | $ 105,000 |
| Jefferson County Alabama | 3 | $ 145,000 | $ 48,000 | $ 67,000 |
| Sussex County Delaware | 3 | $ 555,000 | $ 185,000 | $ 127,000 |
| Broward County Florida | 3 | $ 345,000 | $ 115,000 | $ 142,000 |
| Mercer County New Jersey | 3 | $ 1,005,000 | $ 335,000 | $ 183,000 |
| Kings County New York | 3 | $ 605,000 | $ 201,000 | $ 176,000 |
| Orange County New York | 3 | $ 495,000 | $ 165,000 | $ 201,000 |
| Caswell County North Carolina | 3 | $ 425,000 | $ 141,000 | $ 111,000 |
| Mecklenburg County North Carolina | 3 | $ 185,000 | $ 61,000 | $ 79,000 |
| Orange County North Carolina | 3 | $ 595,000 | $ 198,000 | $ 101,000 |
| Randolph County North Carolina | 3 | $ 155,000 | $ 51,000 | $ 66,000 |
| Union County North Carolina | 3 | $ 335,000 | $ 111,000 | $ 106,000 |
| Philadelphia County Pennsylvania | 3 | $ 605,000 | $ 201,000 | $ 160,000 |
| San Bernardino County California | 2 | $ 90,000 | $ 45,000 | $ 66,000 |
| San Diego County California | 2 | $ 490,000 | $ 245,000 | $ 144,000 |
| Arapahoe County Colorado | 2 | $ 340,000 | $ 170,000 | $ 189,000 |
| Douglas County Colorado | 2 | $ 490,000 | $ 245,000 | $ 132,000 |
| New Haven County Connecticut | 2 | $ 100,000 | $ 50,000 | $ 146,000 |
| Lee County Florida | 2 | $ 90,000 | $ 45,000 | $ 110,000 |
| Miami-Dade County Florida | 2 | $ 200,000 | $ 100,000 | $ 106,000 |
| Pasco County Florida | 2 | $ 310,000 | $ 155,000 | $ 95,000 |
| Chatham County Georgia | 2 | $ 540,000 | $ 270,000 | $ 145,000 |
| Baltimore County Maryland | 2 | $ 310,000 | $ 155,000 | $ 49,000 |
| Howard County Maryland | 2 | $ 130,000 | $ 65,000 | $ 109,000 |
| Norfolk County Massachusetts | 2 | $ 960,000 | $ 480,000 | $ 578,000 |
| Sullivan County New Hampshire | 2 | $ 1,010,000 | $ 505,000 | $ 239,000 |
| Burlington County New Jersey | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Camden County New Jersey | 2 | $ 270,000 | $ 135,000 | $ 173,000 |
| Cabarrus County North Carolina | 2 | $ 120,000 | $ 60,000 | $ 175,000 |
| Forsyth County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 121,000 |
| Granville County North Carolina | 2 | $ 290,000 | $ 145,000 | $ 122,000 |
| Rockingham County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 172,000 |
| Franklin County Ohio | 2 | $ 390,000 | $ 195,000 | $ 131,000 |
| Guernsey County Ohio | 2 | $ 40,000 | $ 20,000 | $ 64,000 |
| Monroe County Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 107,000 |
| Montgomery County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 257,000 |
| Davidson County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 101,000 |
| Loudoun County Virginia | 2 | $ 830,000 | $ 415,000 | $ 167,000 |
| Mecklenburg County Virginia | 2 | $ 90,000 | $ 45,000 | $ 45,000 |
| Madison County Alabama | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Maricopa County Arizona | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Pima County Arizona | 1 | $ 255,000 | $ 255,000 | $ 339,000 |
| Benton County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 216,000 |
| Los Angeles County California | 1 | $ 1,085,000 | $ 1,085,000 | $ 324,000 |
| Napa County California | 1 | $ 65,000 | $ 65,000 | $ 205,000 |
| Riverside County California | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Sacramento County California | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Santa Clara County California | 1 | $ 1,005,000 | $ 1,005,000 | $ 340,000 |
| Solano County California | 1 | $ 415,000 | $ 415,000 | $ 325,000 |
| Adams County Colorado | 1 | $ 75,000 | $ 75,000 | $ 136,000 |
| Eagle County Colorado | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Fairfield County Connecticut | 1 | $ 495,000 | $ 495,000 | $ 240,000 |
| Litchfield County Connecticut | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Tolland County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| Windham County Connecticut | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Brevard County Florida | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Citrus County Florida | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Collier County Florida | 1 | $ 85,000 | $ 85,000 | $ 135,000 |
| Hernando County Florida | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Hillsborough County Florida | 1 | $ 125,000 | $ 125,000 | $ 210,000 |
| Orange County Florida | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Polk County Florida | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| St. Lucie County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
| Fulton County Georgia | 1 | $ 705,000 | $ 705,000 | $ 340,000 |
| Gwinnett County Georgia | 1 | $ 145,000 | $ 145,000 | $ 136,000 |
| Putnam County Georgia | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Allen County Indiana | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Marion County Indiana | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Shawnee County Kansas | 1 | $ 265,000 | $ 265,000 | $ 200,000 |
| Jessamine County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 122,000 |
| Larue County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Orleans County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Baltimore City County Maryland | 1 | $ 145,000 | $ 145,000 | $ 143,000 |
| Cecil County Maryland | 1 | $ 35,000 | $ 35,000 | $ 149,000 |
| Montgomery County Maryland | 1 | $ 405,000 | $ 405,000 | $ 160,000 |
| Barnstable County Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Berkshire County Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Middlesex County Massachusetts | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Harrison County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 156,000 |
| Clay County Missouri | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| St. Louis County Missouri | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| St. Louis City County Missouri | 1 | $ 125,000 | $ 125,000 | $ 187,000 |
| Missoula County Montana | 1 | $ 105,000 | $ 105,000 | $ 156,000 |
| Clark County Nevada | 1 | $ 275,000 | $ 275,000 | $ 46,000 |
| Cape May County New Jersey | 1 | $ 335,000 | $ 335,000 | $ 434,000 |
| Richmond County New York | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Rockland County New York | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 72,000 |
| Buncombe County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 275,000 |
| Carteret County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Catawba County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 77,000 |
| Chatham County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 204,000 |
| Craven County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Davie County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Henderson County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Pender County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Person County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Rowan County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 250,000 |
| Stanly County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Wayne County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Wilkes County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Wilson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Medina County Ohio | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Muskingum County Ohio | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Noble County Ohio | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Union County Ohio | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Allegheny County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Berks County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 174,000 |
| Bucks County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Jefferson County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Lehigh County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 150,000 |
| Pike County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 20,000 |
| Westmoreland County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Beaufort County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| Clarendon County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Greenville County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Lancaster County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| York County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Maury County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| McNairy County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Sumner County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Dallas County Texas | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Hays County Texas | 1 | $ 655,000 | $ 655,000 | $ 225,000 |
| Montgomery County Texas | 1 | $ 185,000 | $ 185,000 | $ 216,000 |
| Charlotte County Virginia | 1 | $ 495,000 | $ 495,000 | $ 106,000 |
| Chesapeake County Virginia | 1 | $ 335,000 | $ 335,000 | $ 166,000 |
| Franklin County Virginia | 1 | $ 105,000 | $ 105,000 | $ 131,000 |
| Clark County Washington | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Mercer County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Morgan County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Proponent Federal Credit Union in 2021
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 | 218 | $26,830,000 | $123,000 | $725,000 | $141,000 | $1,007,000 |
| Other Purpose | 174 | $14,320,000 | $82,000 | $505,000 | $130,000 | $2,400,000 |
| Refinancing | 162 | $30,220,000 | $186,000 | $725,000 | $131,000 | $450,000 |
| Home Purchase | 84 | $27,570,000 | $328,000 | $1,585,000 | $123,000 | $480,000 |
| Cash-out Refinancing | 79 | $25,985,000 | $328,000 | $1,135,000 | $147,000 | $800,000 |
| 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 | 373 | $61,745,000 | $165,000 | $1,135,000 | $143,000 | $2,400,000 |
| Not Provided | 114 | $24,740,000 | $217,000 | $1,085,000 | $154,000 | $1,007,000 |
| Black or African American | 106 | $14,300,000 | $134,000 | $725,000 | $82,000 | $280,000 |
| Hispanic | 73 | $12,275,000 | $168,000 | $645,000 | $120,000 | $709,000 |
| Asian | 32 | $4,820,000 | $150,000 | $475,000 | $162,000 | $388,000 |
| 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) | 717 | $124,925,000 | $174,000 | $1,585,000 | $135,000 | $2,400,000 |
| 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 | 411 | $71,745,000 | $174,000 | $1,585,000 | $142,000 | $800,000 |
| Application Withdrawn By Applicant | 168 | $32,130,000 | $191,000 | $1,085,000 | $143,000 | $2,400,000 |
| Application Denied By Financial Institution | 133 | $20,695,000 | $155,000 | $835,000 | $103,000 | $1,007,000 |
| Application Approved But Not Accepted | 4 | $320,000 | $80,000 | $155,000 | $87,000 | $113,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $140,000 | $140,000 |
| 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 | 584 | $104,230,000 | $178,000 | $1,585,000 | $142,000 | $2,400,000 |
| Credit History | 48 | $5,700,000 | $118,000 | $445,000 | $84,000 | $233,000 |
| Debt-To-Income Ratio | 44 | $8,670,000 | $197,000 | $655,000 | $78,000 | $529,000 |
| Other | 30 | $3,760,000 | $125,000 | $505,000 | $172,000 | $1,007,000 |
| Collateral | 6 | $880,000 | $146,000 | $455,000 | $87,000 | $143,000 |
| Credit Application Incomplete | 5 | $1,685,000 | $337,000 | $835,000 | $124,000 | $250,000 |
| 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 Proponent Federal Credit Union's 2021 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.