Chevron Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Chevron Federal Credit Union 2005 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 | 617 |
| Total Mortgage Loan Application Amount | $162,391,000 |
| Average Mortgage Loan Application Amount | $189,435 |
| Highest Mortgage Loan Application Amount | $1,190,000 |
| Average Applicant Income | $142,512 |
| Highest Applicant Income | $1,293,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 124 | $ 35,425,000 | $ 285,000 | $ 108,000 |
| Harris County Texas | 38 | $ 4,829,000 | $ 127,000 | $ 93,000 |
| Los Angeles County California | 36 | $ 8,686,000 | $ 241,000 | $ 96,000 |
| Solano County California | 35 | $ 8,529,000 | $ 243,000 | $ 89,000 |
| Alameda County California | 30 | $ 12,771,000 | $ 425,000 | $ 105,000 |
| Fort Bend County Texas | 17 | $ 2,864,000 | $ 168,000 | $ 90,000 |
| Orange County California | 10 | $ 3,407,000 | $ 340,000 | $ 91,000 |
| El Paso County Texas | 10 | $ 658,000 | $ 65,000 | $ 59,000 |
| San Francisco County California | 9 | $ 3,236,000 | $ 359,000 | $ 111,000 |
| San Bernardino County California | 8 | $ 1,890,000 | $ 236,000 | $ 90,000 |
| Marin County California | 7 | $ 2,921,000 | $ 417,000 | $ 121,000 |
| Sonoma County California | 7 | $ 2,799,000 | $ 399,000 | $ 112,000 |
| Montgomery County Texas | 7 | $ 1,077,000 | $ 153,000 | $ 138,000 |
| Maricopa County Arizona | 6 | $ 762,000 | $ 127,000 | $ 125,000 |
| Kern County California | 6 | $ 982,000 | $ 163,000 | $ 74,000 |
| Sacramento County California | 5 | $ 1,308,000 | $ 261,000 | $ 98,000 |
| San Mateo County California | 5 | $ 1,040,000 | $ 208,000 | $ 91,000 |
| Riverside County California | 4 | $ 1,128,000 | $ 282,000 | $ 81,000 |
| Stanislaus County California | 4 | $ 985,000 | $ 246,000 | $ 78,000 |
| Galveston County Texas | 4 | $ 397,000 | $ 99,000 | $ 88,000 |
| Amador County California | 3 | $ 705,000 | $ 235,000 | $ 76,000 |
| Napa County California | 3 | $ 660,000 | $ 220,000 | $ 84,000 |
| San Diego County California | 3 | $ 900,000 | $ 300,000 | $ 109,000 |
| Santa Clara County California | 3 | $ 1,005,000 | $ 335,000 | $ 125,000 |
| Ada County Idaho | 3 | $ 411,000 | $ 137,000 | $ 52,000 |
| Clark County Nevada | 3 | $ 406,000 | $ 135,000 | $ 148,000 |
| Washoe County Nevada | 3 | $ 1,845,000 | $ 615,000 | $ 236,000 |
| Mohave County Arizona | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Pima County Arizona | 2 | $ 604,000 | $ 302,000 | $ 126,000 |
| Craighead County Arkansas | 2 | $ 104,000 | $ 52,000 | $ 76,000 |
| Garland County Arkansas | 2 | $ 43,000 | $ 21,000 | $ 98,000 |
| El Dorado County California | 2 | $ 575,000 | $ 287,000 | $ 155,000 |
| Placer County California | 2 | $ 1,191,000 | $ 595,000 | $ 102,000 |
| San Joaquin County California | 2 | $ 785,000 | $ 392,000 | $ 179,000 |
| Shasta County California | 2 | $ 446,000 | $ 223,000 | $ 46,000 |
| Yuba County California | 2 | $ 292,000 | $ 146,000 | $ 94,000 |
| Saguache County Colorado | 2 | $ 500,000 | $ 250,000 | $ 90,000 |
| Miami-Dade County Florida | 2 | $ 413,000 | $ 206,000 | $ 82,000 |
| Orleans County Louisiana | 2 | $ 180,000 | $ 90,000 | $ 90,000 |
| Yellowstone County Montana | 2 | $ 408,000 | $ 204,000 | $ 175,000 |
| Clackamas County Oregon | 2 | $ 380,000 | $ 190,000 | $ 61,000 |
| Multnomah County Oregon | 2 | $ 422,000 | $ 211,000 | $ 232,000 |
| Brazoria County Texas | 2 | $ 274,000 | $ 137,000 | $ 197,000 |
| Denton County Texas | 2 | $ 147,000 | $ 73,000 | $ 39,000 |
| Liberty County Texas | 2 | $ 296,000 | $ 148,000 | $ 86,000 |
| Pinal County Arizona | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Butte County California | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Calaveras County California | 1 | $ 232,000 | $ 232,000 | $ 181,000 |
| Fresno County California | 1 | $ 254,000 | $ 254,000 | $ 127,000 |
| Lake County California | 1 | $ 165,000 | $ 165,000 | $ 224,000 |
| Mendocino County California | 1 | $ 270,000 | $ 270,000 | $ 98,000 |
| Nevada County California | 1 | $ 459,000 | $ 459,000 | $ 60,000 |
| Siskiyou County California | 1 | $ 432,000 | $ 432,000 | $ 328,000 |
| Ventura County California | 1 | $ 540,000 | $ 540,000 | $ 137,000 |
| Yolo County California | 1 | $ 339,000 | $ 339,000 | $ 73,000 |
| Fremont County Colorado | 1 | $ 334,000 | $ 334,000 | $ 152,000 |
| District of Columbia County District Of Columbia | 1 | $ 450,000 | $ 450,000 | $ 239,000 |
| Palm Beach County Florida | 1 | $ 650,000 | $ 650,000 | $ 401,000 |
| Houston County Georgia | 1 | $ 200,000 | $ 200,000 | $ 186,000 |
| Richmond County Georgia | 1 | $ 97,000 | $ 97,000 | $ 141,000 |
| Honolulu County Hawaii | 1 | $ 260,000 | $ 260,000 | $ 88,000 |
| Baltimore City County Maryland | 1 | $ 42,000 | $ 42,000 | $ 1,293,000 |
| Gladwin County Michigan | 1 | $ 24,000 | $ 24,000 | $ 75,000 |
| Manistee County Michigan | 1 | $ 63,000 | $ 63,000 | $ 225,000 |
| Gallatin County Montana | 1 | $ 435,000 | $ 435,000 | $ 87,000 |
| Burlington County New Jersey | 1 | $ 113,000 | $ 113,000 | $ 89,000 |
| Union County New Jersey | 1 | $ 350,000 | $ 350,000 | $ 152,000 |
| Bernalillo County New Mexico | 1 | $ 69,000 | $ 69,000 | $ 96,000 |
| San Miguel County New Mexico | 1 | $ 300,000 | $ 300,000 | $ 85,000 |
| Valencia County New Mexico | 1 | $ 250,000 | $ 250,000 | $ 99,000 |
| Buncombe County North Carolina | 1 | $ 353,000 | $ 353,000 | $ 120,000 |
| Iredell County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 100,000 |
| Moore County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 180,000 |
| Wake County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Portage County Ohio | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Okfuskee County Oklahoma | 1 | $ 62,000 | $ 62,000 | $ 53,000 |
| Josephine County Oregon | 1 | $ 300,000 | $ 300,000 | $ 106,000 |
| Marion County Oregon | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Washington County Oregon | 1 | $ 30,000 | $ 30,000 | $ 70,000 |
| Fayette County Texas | 1 | $ 229,000 | $ 229,000 | $ 66,000 |
| Gray County Texas | 1 | $ 130,000 | $ 130,000 | $ 85,000 |
| Hidalgo County Texas | 1 | $ 53,000 | $ 53,000 | $ 96,000 |
| Hill County Texas | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Navarro County Texas | 1 | $ 90,000 | $ 90,000 | $ 42,000 |
| Smith County Texas | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Tarrant County Texas | 1 | $ 79,000 | $ 79,000 | $ 60,000 |
| Tom Green County Texas | 1 | $ 42,000 | $ 42,000 | $ 53,000 |
| Emery County Utah | 1 | $ 105,000 | $ 105,000 | $ 210,000 |
| Salt Lake County Utah | 1 | $ 218,000 | $ 218,000 | $ 70,000 |
| Utah County Utah | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| Washington County Utah | 1 | $ 139,000 | $ 139,000 | $ 177,000 |
| Weber County Utah | 1 | $ 116,000 | $ 116,000 | $ 85,000 |
| King George County Virginia | 1 | $ 225,000 | $ 225,000 | $ 62,000 |
| Clark County Washington | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Kitsap County Washington | 1 | $ 169,000 | $ 169,000 | $ 44,000 |
| Klickitat County Washington | 1 | $ 130,000 | $ 130,000 | $ 133,000 |
| Whatcom County Washington | 1 | $ 240,000 | $ 240,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Chevron Federal Credit Union in 2005
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 | 314 | $82,697,000 | $191,125 | $1,190,000 | $102,687 | $426,000 |
| Home Purchase | 298 | $79,416,000 | $201,380 | $1,108,000 | $178,714 | $1,293,000 |
| Home Improvement | 5 | $278,000 | $50,500 | $100,000 | $81,000 | $114,000 |
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 | 304 | $81,229,000 | $190,136 | $1,190,000 | $103,136 | $667,000 |
| White | 218 | $56,308,000 | $235,437 | $1,100,000 | $209,375 | $1,293,000 |
| Hispanic | 33 | $7,071,000 | $212,000 | $470,000 | $76,666 | $145,000 |
| Asian | 28 | $8,924,000 | $250,000 | $800,000 | $115,250 | $274,000 |
| Black or African American | 28 | $7,264,000 | $196,000 | $560,000 | $101,750 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $895,000 | $235,500 | $280,000 | $80,500 | $88,000 |
| American Indian or Alaskan Native | 2 | $700,000 | $350,000 | $350,000 | $88,000 | $93,000 |
| 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) | 617 | $162,391,000 | $194,200 | $1,190,000 | $160,560 | $1,293,000 |
| 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 | 335 | $87,667,000 | $195,590 | $1,108,000 | $164,727 | $1,293,000 |
| Application Denied By Financial Institution | 173 | $47,341,000 | $204,769 | $1,190,000 | $126,076 | $667,000 |
| Application Withdrawn By Applicant | 102 | $26,662,000 | $170,714 | $1,000,000 | $92,714 | $300,000 |
| Application Approved But Not Accepted | 6 | $571,000 | $95,000 | $300,000 | $99,000 | $172,000 |
| File Closed For Incompleteness | 1 | $150,000 | $150,000 | $150,000 | $76,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 114 | $33,606,000 | $228,363 | $1,100,000 | $142,545 | $452,000 |
| Debt-To-Income Ratio | 27 | $8,326,000 | $252,142 | $1,190,000 | $94,285 | $667,000 |
| Credit History | 11 | $1,968,000 | $144,666 | $535,000 | $75,666 | $207,000 |
| Other | 10 | $2,209,000 | $205,000 | $555,000 | $102,000 | $143,000 |
| Collateral | 6 | $395,000 | $64,500 | $116,000 | $161,000 | $225,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $455,000 | $151,666 | $320,000 | $75,666 | $122,000 |
| Unverifiable Information | 2 | $382,000 | $191,000 | $322,000 | $20,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chevron Federal Credit Union's 2005 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.