Ardent Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Ardent Federal Credit Union 2022 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 | 933 |
| Total Mortgage Loan Application Amount | $147,705,000 |
| Average Mortgage Loan Application Amount | $188,800 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $147,200 |
| Highest Applicant Income | $1,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 219 | $ 30,235,000 | $ 138,000 | $ 178,000 |
| Philadelphia County Pennsylvania | 148 | $ 18,050,000 | $ 121,000 | $ 115,000 |
| Chester County Pennsylvania | 104 | $ 15,320,000 | $ 147,000 | $ 171,000 |
| Delaware County Pennsylvania | 85 | $ 12,835,000 | $ 151,000 | $ 171,000 |
| Bucks County Pennsylvania | 42 | $ 6,760,000 | $ 160,000 | $ 194,000 |
| Gloucester County New Jersey | 21 | $ 2,495,000 | $ 118,000 | $ 144,000 |
| New Castle County Delaware | 20 | $ 2,260,000 | $ 113,000 | $ 127,000 |
| Camden County New Jersey | 18 | $ 1,870,000 | $ 103,000 | $ 86,000 |
| Burlington County New Jersey | 15 | $ 2,065,000 | $ 137,000 | $ 167,000 |
| Berks County Pennsylvania | 14 | $ 1,810,000 | $ 129,000 | $ 144,000 |
| Cape May County New Jersey | 13 | $ 3,805,000 | $ 292,000 | $ 161,000 |
| DeKalb County Georgia | 5 | $ 275,000 | $ 55,000 | $ 30,000 |
| Atlantic County New Jersey | 5 | $ 1,205,000 | $ 241,000 | $ 335,000 |
| Wake County North Carolina | 5 | $ 1,055,000 | $ 211,000 | $ 181,000 |
| Broward County Florida | 4 | $ 850,000 | $ 212,000 | $ 220,000 |
| Orange County Florida | 4 | $ 590,000 | $ 147,000 | $ 89,000 |
| Palm Beach County Florida | 4 | $ 2,740,000 | $ 685,000 | $ 237,000 |
| Cook County Illinois | 4 | $ 700,000 | $ 175,000 | $ 138,000 |
| Middlesex County New Jersey | 4 | $ 760,000 | $ 190,000 | $ 155,000 |
| Orange County California | 3 | $ 405,000 | $ 135,000 | $ 302,000 |
| Sussex County Delaware | 3 | $ 705,000 | $ 235,000 | $ 161,000 |
| Anne Arundel County Maryland | 3 | $ 265,000 | $ 88,000 | $ 104,000 |
| Cumberland County New Jersey | 3 | $ 225,000 | $ 75,000 | $ 106,000 |
| Morris County New Jersey | 3 | $ 1,655,000 | $ 551,000 | $ 265,000 |
| Lehigh County Pennsylvania | 3 | $ 375,000 | $ 125,000 | $ 71,000 |
| Maricopa County Arizona | 2 | $ 90,000 | $ 45,000 | $ 105,000 |
| San Diego County California | 2 | $ 580,000 | $ 290,000 | $ 125,000 |
| Hillsborough County Florida | 2 | $ 210,000 | $ 105,000 | $ 91,000 |
| Okaloosa County Florida | 2 | $ 610,000 | $ 305,000 | $ 126,000 |
| Sarasota County Florida | 2 | $ 210,000 | $ 105,000 | $ 164,000 |
| Gwinnett County Georgia | 2 | $ 80,000 | $ 40,000 | $ 98,000 |
| Montgomery County Maryland | 2 | $ 980,000 | $ 490,000 | $ 258,000 |
| Worcester County Maryland | 2 | $ 500,000 | $ 250,000 | $ 202,000 |
| Suffolk County Massachusetts | 2 | $ 920,000 | $ 460,000 | $ 244,000 |
| Clark County Nevada | 2 | $ 530,000 | $ 265,000 | $ 109,000 |
| Hunterdon County New Jersey | 2 | $ 170,000 | $ 85,000 | $ 228,000 |
| Mercer County New Jersey | 2 | $ 530,000 | $ 265,000 | $ 193,000 |
| Passaic County New Jersey | 2 | $ 80,000 | $ 40,000 | $ 155,000 |
| Chemung County New York | 2 | $ 300,000 | $ 150,000 | $ 83,000 |
| Kings County New York | 2 | $ 790,000 | $ 395,000 | $ 163,000 |
| Oswego County New York | 2 | $ 350,000 | $ 175,000 | $ 220,000 |
| New Hanover County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 87,000 |
| Carbon County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 75,000 |
| Dauphin County Pennsylvania | 2 | $ 540,000 | $ 270,000 | $ 174,000 |
| Northampton County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 98,000 |
| Horry County South Carolina | 2 | $ 150,000 | $ 75,000 | $ 81,000 |
| Davidson County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 136,000 |
| Clark County Washington | 2 | $ 510,000 | $ 255,000 | $ 59,000 |
| Coconino County Arizona | 1 | $ 85,000 | $ 85,000 | $ 172,000 |
| Pulaski County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Los Angeles County California | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Napa County California | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Riverside County California | 1 | $ 125,000 | $ 125,000 | $ 132,000 |
| San Bernardino County California | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Arapahoe County Colorado | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Douglas County Colorado | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Eagle County Colorado | 1 | $ 75,000 | $ 75,000 | $ 233,000 |
| Grand County Colorado | 1 | $ 255,000 | $ 255,000 | $ 375,000 |
| Larimer County Colorado | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| District of Columbia County District Of Columbia | 1 | $ 425,000 | $ 425,000 | $ 84,000 |
| Brevard County Florida | 1 | $ 205,000 | $ 205,000 | $ 284,000 |
| Charlotte County Florida | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Flagler County Florida | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Indian River County Florida | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Lee County Florida | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Miami-Dade County Florida | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Pasco County Florida | 1 | $ 485,000 | $ 485,000 | $ 193,000 |
| Sumter County Florida | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Clayton County Georgia | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Henry County Georgia | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Walton County Georgia | 1 | $ 135,000 | $ 135,000 | $ 16,000 |
| Sedgwick County Kansas | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Waldo County Maine | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Baltimore County Maryland | 1 | $ 165,000 | $ 165,000 | $ 858,000 |
| Baltimore City County Maryland | 1 | $ 25,000 | $ 25,000 | $ 91,000 |
| Frederick County Maryland | 1 | $ 435,000 | $ 435,000 | $ 195,000 |
| St. Mary's County Maryland | 1 | $ 385,000 | $ 385,000 | $ 386,000 |
| Talbot County Maryland | 1 | $ 155,000 | $ 155,000 | $ 288,000 |
| Essex County Massachusetts | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Washtenaw County Michigan | 1 | $ 85,000 | $ 85,000 | $ 183,000 |
| Hennepin County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 157,000 |
| Ramsey County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Scott County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| DeSoto County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Marshall County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Cheshire County New Hampshire | 1 | $ 125,000 | $ 125,000 | $ 123,000 |
| Hillsborough County New Hampshire | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Essex County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Monmouth County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 226,000 |
| Ocean County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 158,000 |
| Salem County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Queens County New York | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Schuyler County New York | 1 | $ 25,000 | $ 25,000 | $ 94,000 |
| Suffolk County New York | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Buncombe County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 428,000 |
| Dare County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 363,000 |
| Durham County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Franklin County North Carolina | 1 | $ 15,000 | $ 15,000 | $ 87,000 |
| Guilford County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 344,000 |
| Henderson County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Union County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 93,000 |
| Warren County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Stark County Ohio | 1 | $ 65,000 | $ 65,000 | $ 136,000 |
| Warren County Ohio | 1 | $ 35,000 | $ 35,000 | $ 117,000 |
| Allegheny County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 141,000 |
| Lancaster County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Luzerne County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Potter County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Wayne County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 260,000 |
| Greenville County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Wilson County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Davis County Utah | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Chesapeake County Virginia | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Chesterfield County Virginia | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Culpeper County Virginia | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Fairfax County Virginia | 1 | $ 155,000 | $ 155,000 | $ 160,000 |
| Stafford County Virginia | 1 | $ 115,000 | $ 115,000 | $ 161,000 |
| King County Washington | 1 | $ 55,000 | $ 55,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Ardent Federal Credit Union in 2022
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 | 482 | $53,480,000 | $110,000 | $645,000 | $163,000 | $858,000 |
| Other Purpose | 159 | $17,015,000 | $107,000 | $505,000 | $143,000 | $1,300,000 |
| Home Purchase | 152 | $50,920,000 | $335,000 | $2,005,000 | $153,000 | $520,000 |
| Refinancing | 89 | $14,585,000 | $163,000 | $635,000 | $144,000 | $449,000 |
| Cash-out Refinancing | 51 | $11,705,000 | $229,000 | $755,000 | $133,000 | $383,000 |
| 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 | 552 | $89,430,000 | $162,000 | $2,005,000 | $170,000 | $1,300,000 |
| Black or African American | 150 | $14,900,000 | $99,000 | $575,000 | $99,000 | $858,000 |
| Not Provided | 146 | $31,600,000 | $216,000 | $1,105,000 | $156,000 | $1,241,000 |
| Hispanic | 50 | $6,590,000 | $131,000 | $595,000 | $131,000 | $505,000 |
| Asian | 28 | $4,190,000 | $149,000 | $305,000 | $191,000 | $420,000 |
| American Indian or Alaskan Native | 5 | $575,000 | $115,000 | $185,000 | $128,000 | $295,000 |
| 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) | 933 | $147,705,000 | $158,000 | $2,005,000 | $155,000 | $1,300,000 |
| 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 | 534 | $81,870,000 | $153,000 | $855,000 | $175,000 | $1,241,000 |
| Application Denied By Financial Institution | 159 | $20,425,000 | $128,000 | $2,005,000 | $109,000 | $520,000 |
| File Closed For Incompleteness | 91 | $11,055,000 | $121,000 | $475,000 | $138,000 | $1,300,000 |
| Application Withdrawn By Applicant | 51 | $7,535,000 | $147,000 | $595,000 | $155,000 | $600,000 |
| Preapproval Approved but not Accepted | 40 | $14,930,000 | $373,000 | $1,105,000 | $171,000 | $477,000 |
| Application Approved But Not Accepted | 35 | $6,705,000 | $191,000 | $655,000 | $138,000 | $441,000 |
| Preapproval Denied by Financial Institution | 23 | $5,185,000 | $225,000 | $555,000 | $68,000 | $155,000 |
| 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 | 933 | $147,705,000 | $158,000 | $2,005,000 | $155,000 | $1,300,000 |
| 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 2022 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.