Ardent Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Ardent 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 | Ardent Federal Credit Union 1500 Spring Garden St. Suite 500 Philadelphia, PA 19130 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 | 510 |
| Total Mortgage Loan Application Amount | $100,330,000 |
| Average Mortgage Loan Application Amount | $189,200 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $137,600 |
| Highest Applicant Income | $609,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Ardent 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 Ardent 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 Ardent 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 Ardent Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Ardent 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 Ardent 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 |
|---|---|---|---|---|
| Montgomery County Pennsylvania | 108 | $ 21,540,000 | $ 199,000 | $ 149,000 |
| Philadelphia County Pennsylvania | 76 | $ 9,400,000 | $ 123,000 | $ 94,000 |
| Delaware County Pennsylvania | 53 | $ 10,785,000 | $ 203,000 | $ 151,000 |
| Chester County Pennsylvania | 48 | $ 11,130,000 | $ 231,000 | $ 190,000 |
| Bucks County Pennsylvania | 26 | $ 7,070,000 | $ 271,000 | $ 159,000 |
| Gloucester County New Jersey | 20 | $ 3,350,000 | $ 167,000 | $ 174,000 |
| Camden County New Jersey | 12 | $ 1,830,000 | $ 152,000 | $ 121,000 |
| Burlington County New Jersey | 11 | $ 2,425,000 | $ 220,000 | $ 144,000 |
| Cape May County New Jersey | 11 | $ 2,405,000 | $ 218,000 | $ 143,000 |
| Berks County Pennsylvania | 10 | $ 1,320,000 | $ 132,000 | $ 117,000 |
| Atlantic County New Jersey | 9 | $ 1,895,000 | $ 210,000 | $ 168,000 |
| New Castle County Delaware | 7 | $ 875,000 | $ 125,000 | $ 67,000 |
| Gwinnett County Georgia | 5 | $ 645,000 | $ 129,000 | $ 110,000 |
| Broward County Florida | 3 | $ 395,000 | $ 131,000 | $ 191,000 |
| Cook County Illinois | 3 | $ 405,000 | $ 135,000 | $ 104,000 |
| Kings County New York | 3 | $ 545,000 | $ 181,000 | $ 99,000 |
| Lancaster County Pennsylvania | 3 | $ 445,000 | $ 148,000 | $ 152,000 |
| Sussex County Delaware | 2 | $ 510,000 | $ 255,000 | $ 233,000 |
| Lee County Florida | 2 | $ 550,000 | $ 275,000 | $ 91,000 |
| Sarasota County Florida | 2 | $ 260,000 | $ 130,000 | $ 120,000 |
| DeKalb County Georgia | 2 | $ 160,000 | $ 80,000 | $ 71,000 |
| Hunterdon County New Jersey | 2 | $ 500,000 | $ 250,000 | $ 193,000 |
| Mercer County New Jersey | 2 | $ 240,000 | $ 120,000 | $ 175,000 |
| Morris County New Jersey | 2 | $ 640,000 | $ 320,000 | $ 232,000 |
| Salem County New Jersey | 2 | $ 190,000 | $ 95,000 | $ 138,000 |
| Wake County North Carolina | 2 | $ 670,000 | $ 335,000 | $ 222,000 |
| Cuyahoga County Ohio | 2 | $ 340,000 | $ 170,000 | $ 116,000 |
| Monroe County Pennsylvania | 2 | $ 350,000 | $ 175,000 | $ 192,000 |
| Los Angeles County California | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Orange County California | 1 | $ 1,205,000 | $ 1,205,000 | $ 383,000 |
| San Diego County California | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| Santa Cruz County California | 1 | $ 105,000 | $ 105,000 | $ 342,000 |
| Larimer County Colorado | 1 | $ 15,000 | $ 15,000 | $ 148,000 |
| New Haven County Connecticut | 1 | $ 215,000 | $ 215,000 | $ 182,000 |
| Charlotte County Florida | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Duval County Florida | 1 | $ 375,000 | $ 375,000 | $ 128,000 |
| Flagler County Florida | 1 | $ 85,000 | $ 85,000 | $ 129,000 |
| Indian River County Florida | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Miami-Dade County Florida | 1 | $ 175,000 | $ 175,000 | $ 93,000 |
| Nassau County Florida | 1 | $ 245,000 | $ 245,000 | $ 254,000 |
| Orange County Florida | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Bibb County Georgia | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Chatham County Georgia | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Coweta County Georgia | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Fulton County Georgia | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| St. Clair County Illinois | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Jefferson County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 102,000 |
| Orleans County Louisiana | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Baltimore City County Maryland | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Calvert County Maryland | 1 | $ 115,000 | $ 115,000 | $ 146,000 |
| Wicomico County Maryland | 1 | $ 35,000 | $ 35,000 | $ 169,000 |
| Hubbard County Minnesota | 1 | $ 515,000 | $ 515,000 | $ 300,000 |
| St. Charles County Missouri | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| St. Louis County Missouri | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Clark County Nevada | 1 | $ 55,000 | $ 55,000 | $ 113,000 |
| Cumberland County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Monmouth County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 120,000 |
| Ocean County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 183,000 |
| Union County New Jersey | 1 | $ 505,000 | $ 505,000 | $ 325,000 |
| Chemung County New York | 1 | $ 255,000 | $ 255,000 | $ 146,000 |
| Dutchess County New York | 1 | $ 225,000 | $ 225,000 | $ 123,000 |
| Suffolk County New York | 1 | $ 175,000 | $ 175,000 | $ 258,000 |
| Westchester County New York | 1 | $ 645,000 | $ 645,000 | $ 230,000 |
| Bertie County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Cherokee County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Cumberland County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 117,000 |
| Dare County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Durham County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 146,000 |
| Onslow County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Orange County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Lorain County Ohio | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Clackamas County Oregon | 1 | $ 1,045,000 | $ 1,045,000 | $ 162,000 |
| Allegheny County Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 222,000 |
| Fayette County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Fulton County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 258,000 |
| Huntingdon County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 139,000 |
| Lebanon County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 142,000 |
| Northampton County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 133,000 |
| Schuylkill County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Tioga County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 159,000 |
| Wayne County Pennsylvania | 1 | $ 965,000 | $ 965,000 | $ 350,000 |
| Berkeley County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Charleston County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 190,000 |
| Newport News County Virginia | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Rockingham County Virginia | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Warren County Virginia | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Ardent 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 |
|---|---|---|---|---|---|---|
| Refinancing | 158 | $34,240,000 | $216,000 | $865,000 | $145,000 | $546,000 |
| Cash-out Refinancing | 103 | $28,565,000 | $277,000 | $1,205,000 | $157,000 | $609,000 |
| Home Improvement | 101 | $7,565,000 | $74,000 | $405,000 | $136,000 | $444,000 |
| Home Purchase | 83 | $24,355,000 | $293,000 | $1,045,000 | $123,000 | $407,000 |
| Other Purpose | 65 | $5,605,000 | $86,000 | $405,000 | $127,000 | $600,000 |
| 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 | 269 | $57,785,000 | $214,000 | $965,000 | $158,000 | $609,000 |
| Not Provided | 140 | $27,010,000 | $192,000 | $1,205,000 | $126,000 | $600,000 |
| Black or African American | 66 | $9,700,000 | $146,000 | $575,000 | $98,000 | $355,000 |
| Hispanic | 17 | $2,565,000 | $150,000 | $415,000 | $137,000 | $342,000 |
| Asian | 15 | $2,375,000 | $158,000 | $485,000 | $131,000 | $293,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $197,000 | $197,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 510 | $100,330,000 | $196,000 | $1,205,000 | $140,000 | $609,000 |
| 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 | 322 | $64,700,000 | $200,000 | $985,000 | $152,000 | $609,000 |
| Application Withdrawn By Applicant | 77 | $11,745,000 | $152,000 | $645,000 | $144,000 | $600,000 |
| Application Denied By Financial Institution | 55 | $9,325,000 | $169,000 | $1,205,000 | $89,000 | $383,000 |
| Application Approved But Not Accepted | 20 | $5,560,000 | $278,000 | $445,000 | $154,000 | $366,000 |
| File Closed For Incompleteness | 14 | $3,300,000 | $235,000 | $545,000 | $135,000 | $325,000 |
| Preapproval Denied by Financial Institution | 12 | $2,760,000 | $230,000 | $425,000 | $36,000 | $89,000 |
| Preapproval Approved but not Accepted | 10 | $2,940,000 | $294,000 | $595,000 | $94,000 | $306,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 510 | $100,330,000 | $196,000 | $1,205,000 | $140,000 | $609,000 |
| 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 |
| Not applicable | 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ardent 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 Ardent 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 Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.