Chevron Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Chevron Federal Credit Union 2004 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 | Chevron Federal Credit Union 500 12Th Street Suite 200 Oakland, CA 94607 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 | 708 |
| Total Mortgage Loan Application Amount | $138,546,000 |
| Average Mortgage Loan Application Amount | $135,604 |
| Highest Mortgage Loan Application Amount | $956,000 |
| Average Applicant Income | $101,979 |
| Highest Applicant Income | $750,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Chevron 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 Chevron Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Chevron 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 Chevron Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Chevron 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 Chevron Federal Credit Union's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Contra Costa County California | 170 | $ 41,832,000 | $ 246,000 | $ 101,000 |
| Los Angeles County California | 67 | $ 14,456,000 | $ 215,000 | $ 68,000 |
| Harris County Texas | 64 | $ 7,434,000 | $ 116,000 | $ 91,000 |
| Alameda County California | 48 | $ 11,991,000 | $ 249,000 | $ 100,000 |
| Solano County California | 40 | $ 9,431,000 | $ 235,000 | $ 84,000 |
| Fort Bend County Texas | 32 | $ 3,708,000 | $ 115,000 | $ 95,000 |
| Riverside County California | 19 | $ 3,345,000 | $ 176,000 | $ 71,000 |
| El Paso County Texas | 15 | $ 929,000 | $ 61,000 | $ 56,000 |
| Orange County California | 14 | $ 3,280,000 | $ 234,000 | $ 69,000 |
| Sonoma County California | 13 | $ 2,481,000 | $ 190,000 | $ 131,000 |
| San Bernardino County California | 12 | $ 2,152,000 | $ 179,000 | $ 67,000 |
| Marin County California | 11 | $ 2,815,000 | $ 255,000 | $ 127,000 |
| Orleans County Louisiana | 10 | $ 731,000 | $ 73,000 | $ 73,000 |
| Montgomery County Texas | 10 | $ 1,093,000 | $ 109,000 | $ 80,000 |
| Ventura County California | 8 | $ 1,610,000 | $ 201,000 | $ 117,000 |
| Maricopa County Arizona | 7 | $ 1,194,000 | $ 170,000 | $ 61,000 |
| Sacramento County California | 7 | $ 1,809,000 | $ 258,000 | $ 101,000 |
| San Joaquin County California | 6 | $ 1,389,000 | $ 231,000 | $ 78,000 |
| Kern County California | 5 | $ 767,000 | $ 153,000 | $ 61,000 |
| Placer County California | 5 | $ 1,685,000 | $ 337,000 | $ 120,000 |
| Napa County California | 4 | $ 645,000 | $ 161,000 | $ 93,000 |
| San Francisco County California | 4 | $ 985,000 | $ 246,000 | $ 96,000 |
| Honolulu County Hawaii | 4 | $ 1,044,000 | $ 261,000 | $ 108,000 |
| Jefferson County Louisiana | 4 | $ 596,000 | $ 149,000 | $ 79,000 |
| Washington County Oregon | 4 | $ 548,000 | $ 137,000 | $ 76,000 |
| Galveston County Texas | 4 | $ 424,000 | $ 106,000 | $ 46,000 |
| Calaveras County California | 3 | $ 713,000 | $ 237,000 | $ 125,000 |
| Nevada County California | 3 | $ 929,000 | $ 309,000 | $ 126,000 |
| Payne County Oklahoma | 3 | $ 139,000 | $ 46,000 | $ 136,000 |
| Multnomah County Oregon | 3 | $ 556,000 | $ 185,000 | $ 126,000 |
| Dallas County Texas | 3 | $ 508,000 | $ 169,000 | $ 105,000 |
| Lake County California | 2 | $ 324,000 | $ 162,000 | $ 205,000 |
| Plumas County California | 2 | $ 520,000 | $ 260,000 | $ 93,000 |
| San Diego County California | 2 | $ 745,000 | $ 372,000 | $ 98,000 |
| San Luis Obispo County California | 2 | $ 740,000 | $ 370,000 | $ 151,000 |
| San Mateo County California | 2 | $ 928,000 | $ 464,000 | $ 116,000 |
| Santa Barbara County California | 2 | $ 300,000 | $ 150,000 | $ 56,000 |
| Shasta County California | 2 | $ 209,000 | $ 104,000 | $ 45,000 |
| Stanislaus County California | 2 | $ 405,000 | $ 202,000 | $ 102,000 |
| Tuolumne County California | 2 | $ 399,000 | $ 199,000 | $ 76,000 |
| Lee County Florida | 2 | $ 235,000 | $ 117,000 | $ 149,000 |
| Terrebonne County Louisiana | 2 | $ 139,000 | $ 69,000 | $ 65,000 |
| Santa Fe County New Mexico | 2 | $ 569,000 | $ 284,000 | $ 136,000 |
| Washington County Ohio | 2 | $ 79,000 | $ 39,000 | $ 62,000 |
| Crook County Oregon | 2 | $ 67,000 | $ 33,000 | $ 89,000 |
| Deschutes County Oregon | 2 | $ 280,000 | $ 140,000 | $ 92,000 |
| Brazoria County Texas | 2 | $ 141,000 | $ 70,000 | $ 106,000 |
| Chambers County Texas | 2 | $ 60,000 | $ 30,000 | $ 92,000 |
| Denton County Texas | 2 | $ 384,000 | $ 192,000 | $ 108,000 |
| Liberty County Texas | 2 | $ 195,000 | $ 97,000 | $ 97,000 |
| Charlottesville County Virginia | 2 | $ 238,000 | $ 119,000 | $ 117,000 |
| Coconino County Arizona | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| Pima County Arizona | 1 | $ 372,000 | $ 372,000 | $ 130,000 |
| Boone County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| El Dorado County California | 1 | $ 250,000 | $ 250,000 | $ 69,000 |
| Fresno County California | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Madera County California | 1 | $ 262,000 | $ 262,000 | $ 148,000 |
| Mendocino County California | 1 | $ 250,000 | $ 250,000 | $ 168,000 |
| Monterey County California | 1 | $ 720,000 | $ 720,000 | $ 246,000 |
| Santa Clara County California | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Santa Cruz County California | 1 | $ 438,000 | $ 438,000 | $ 108,000 |
| Sierra County California | 1 | $ 420,000 | $ 420,000 | $ 89,000 |
| Tehama County California | 1 | $ 202,000 | $ 202,000 | $ 42,000 |
| Yuba County California | 1 | $ 197,000 | $ 197,000 | $ 62,000 |
| Costilla County Colorado | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Brevard County Florida | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Broward County Florida | 1 | $ 100,000 | $ 100,000 | $ 151,000 |
| Palm Beach County Florida | 1 | $ 170,000 | $ 170,000 | $ 86,000 |
| Coweta County Georgia | 1 | $ 17,000 | $ 17,000 | $ 36,000 |
| Forsyth County Georgia | 1 | $ 305,000 | $ 305,000 | $ 85,000 |
| Ada County Idaho | 1 | $ 142,000 | $ 142,000 | $ 88,000 |
| DuPage County Illinois | 1 | $ 65,000 | $ 65,000 | $ 194,000 |
| Buchanan County Iowa | 1 | $ 55,000 | $ 55,000 | $ 290,000 |
| Caddo County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Lafayette County Louisiana | 1 | $ 218,000 | $ 218,000 | $ 180,000 |
| St. Landry County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| St. Mary County Louisiana | 1 | $ 38,000 | $ 38,000 | $ 55,000 |
| St. Tammany County Louisiana | 1 | $ 140,000 | $ 140,000 | $ 177,000 |
| Vermilion County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| West Feliciana County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 109,000 |
| Howard County Maryland | 1 | $ 360,000 | $ 360,000 | $ 100,000 |
| St. Clair County Michigan | 1 | $ 300,000 | $ 300,000 | $ 125,000 |
| Hennepin County Minnesota | 1 | $ 89,000 | $ 89,000 | $ 236,000 |
| Jackson County Mississippi | 1 | $ 141,000 | $ 141,000 | $ 170,000 |
| Pulaski County Missouri | 1 | $ 180,000 | $ 180,000 | $ 121,000 |
| Ravalli County Montana | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Buffalo County Nebraska | 1 | $ 121,000 | $ 121,000 | $ 122,000 |
| Clark County Nevada | 1 | $ 151,000 | $ 151,000 | $ 109,000 |
| Washoe County Nevada | 1 | $ 63,000 | $ 63,000 | $ 53,000 |
| Middlesex County New Jersey | 1 | $ 280,000 | $ 280,000 | $ 82,000 |
| Monmouth County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Bernalillo County New Mexico | 1 | $ 69,000 | $ 69,000 | $ 41,000 |
| Dona Ana County New Mexico | 1 | $ 425,000 | $ 425,000 | $ 204,000 |
| Sandoval County New Mexico | 1 | $ 325,000 | $ 325,000 | $ 298,000 |
| St. Lawrence County New York | 1 | $ 78,000 | $ 78,000 | $ 119,000 |
| Iredell County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 110,000 |
| Orange County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 168,000 |
| Luzerne County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Davidson County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 44,000 |
| Knox County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 129,000 |
| Madison County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Brown County Texas | 1 | $ 37,000 | $ 37,000 | $ 55,000 |
| Grimes County Texas | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Houston County Texas | 1 | $ 70,000 | $ 70,000 | $ 70,000 |
| Kendall County Texas | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Nueces County Texas | 1 | $ 99,000 | $ 99,000 | $ 69,000 |
| Parker County Texas | 1 | $ 91,000 | $ 91,000 | $ 49,000 |
| Sabine County Texas | 1 | $ 20,000 | $ 20,000 | $ 23,000 |
| Williamson County Texas | 1 | $ 136,000 | $ 136,000 | $ 77,000 |
| Carbon County Utah | 1 | $ 68,000 | $ 68,000 | $ 11,000 |
| Uintah County Utah | 1 | $ 136,000 | $ 136,000 | $ 43,000 |
| Utah County Utah | 1 | $ 139,000 | $ 139,000 | $ 204,000 |
| Washington County Utah | 1 | $ 129,000 | $ 129,000 | $ 216,000 |
| Thurston County Washington | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Whatcom County Washington | 1 | $ 141,000 | $ 141,000 | $ 69,000 |
| Fremont County Wyoming | 1 | $ 31,000 | $ 31,000 | $ 71,000 |
| Sheridan County Wyoming | 1 | $ 81,000 | $ 81,000 | $ 81,000 |
Mortgage Loan Application Detail Totals for Chevron Federal Credit Union in 2004
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 | 426 | $91,882,000 | $143,913 | $750,000 | $93,695 | $750,000 |
| Home Purchase | 266 | $45,066,000 | $132,304 | $956,000 | $109,652 | $542,000 |
| Home Improvement | 16 | $1,598,000 | $78,000 | $200,000 | $109,000 | $220,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 450 | $92,992,000 | $154,107 | $956,000 | $105,250 | $750,000 |
| White | 182 | $33,879,000 | $133,315 | $824,000 | $101,210 | $297,000 |
| Black or African American | 32 | $4,454,000 | $127,750 | $360,000 | $83,000 | $152,000 |
| Hispanic | 27 | $3,787,000 | $120,750 | $320,000 | $105,000 | $164,000 |
| Asian | 10 | $2,101,000 | $163,666 | $452,000 | $109,666 | $153,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,072,000 | $214,000 | $332,000 | $69,000 | $105,000 |
| American Indian or Alaskan Native | 2 | $261,000 | $130,500 | $136,000 | $70,500 | $77,000 |
| 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) | 708 | $138,546,000 | $138,818 | $956,000 | $108,393 | $750,000 |
| 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 | 491 | $99,159,000 | $138,750 | $956,000 | $104,031 | $750,000 |
| Application Withdrawn By Applicant | 107 | $21,037,000 | $170,250 | $720,000 | $95,750 | $246,000 |
| Application Denied By Financial Institution | 87 | $15,115,000 | $106,333 | $630,000 | $71,333 | $240,000 |
| Application Approved But Not Accepted | 23 | $3,235,000 | $93,600 | $590,000 | $108,400 | $297,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 25 | $4,598,000 | $114,000 | $405,000 | $76,500 | $134,000 |
| Debt-To-Income Ratio | 14 | $2,546,000 | $181,000 | $400,000 | $69,000 | $151,000 |
| Credit Application Incomplete | 7 | $1,333,000 | $190,000 | $608,000 | $93,000 | $240,000 |
| Other | 5 | $697,000 | $129,500 | $275,000 | $85,500 | $102,000 |
| Collateral | 2 | $182,000 | $91,000 | $122,000 | $78,500 | $97,000 |
| Mortgage Insurance Denied | 1 | $180,000 | $180,000 | $180,000 | $48,000 | $48,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chevron Federal Credit Union's 2004 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 Chevron 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.
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