Chevron Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Chevron Federal Credit Union of Concord, CA reported 2,312 mortgage applications totaling $577.2 million, up 7% from 2011. The average application was for $249,653, and applicants reported an average income of $157,986. 57% of its applications resulted in an originated loan and 43% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (662), Oakland-Fremont-Hayward, CA (570) and Los Angeles-Long Beach-Glendale, CA (115) (applications in parentheses).
| Mortgage Company & Address | Chevron Federal Credit Union 2300 Clayton Road Suite 700 Concord, CA 94520 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 2,312 |
| Total Mortgage Loan Application Amount | $577,200,000 |
| Average Mortgage Loan Application Amount | $249,653 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $157,986 |
| Highest Applicant Income | $1,851,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Chevron Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-Sugar Land-Baytown, TX | 662 | $ 136,624,000 | $ 206,380 | $ 159,000 |
| Oakland-Fremont-Hayward, CA | 570 | $ 193,755,000 | $ 339,921 | $ 175,000 |
| Los Angeles-Long Beach-Glendale, CA | 115 | $ 33,154,000 | $ 288,295 | $ 149,000 |
| San Francisco-San Mateo-Redwood City, CA | 74 | $ 28,607,000 | $ 386,581 | $ 186,000 |
| Vallejo-Fairfield, CA | 64 | $ 14,940,000 | $ 233,437 | $ 134,000 |
| Bakersfield-Delano, CA | 61 | $ 11,690,000 | $ 191,639 | $ 132,000 |
| New Orleans-Metairie-Kenner, LA | 54 | $ 9,839,000 | $ 182,203 | $ 148,000 |
| Pascagoula, MS | 50 | $ 6,748,000 | $ 134,960 | $ 109,000 |
| Mobile, AL | 31 | $ 4,184,000 | $ 134,967 | $ 109,000 |
| El Paso, TX | 29 | $ 2,375,000 | $ 81,896 | $ 77,000 |
| Bethesda-Rockville-Frederick, MD | 24 | $ 6,466,000 | $ 269,416 | $ 181,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 24 | $ 6,374,000 | $ 265,583 | $ 164,000 |
| Austin-Round Rock-San Marcos, TX | 23 | $ 3,746,000 | $ 162,869 | $ 152,000 |
| Santa Ana-Anaheim-Irvine, CA | 23 | $ 5,664,000 | $ 246,260 | $ 131,000 |
| Pittsburgh, PA | 20 | $ 4,341,000 | $ 217,050 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 3,433,000 | $ 201,941 | $ 114,000 |
| Midland, TX | 15 | $ 2,255,000 | $ 150,333 | $ 113,000 |
| Santa Rosa-Petaluma, CA | 15 | $ 3,952,000 | $ 263,466 | $ 115,000 |
| Phoenix-Mesa-Glendale, AZ | 13 | $ 3,103,000 | $ 238,692 | $ 162,000 |
| San Diego-Carlsbad-San Marcos, CA | 13 | $ 6,106,000 | $ 469,692 | $ 174,000 |
| Dallas-Plano-Irving, TX | 11 | $ 2,443,000 | $ 222,090 | $ 113,000 |
| Honolulu, HI | 11 | $ 2,610,000 | $ 237,272 | $ 165,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 11 | $ 2,548,000 | $ 231,636 | $ 158,181 |
| Portland-Vancouver-Hillsboro, OR-WA | 10 | $ 2,090,000 | $ 209,000 | $ 103,200 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 3,513,000 | $ 351,300 | $ 190,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,652,000 | $ 183,555 | $ 186,000 |
| Salinas, CA | 9 | $ 3,179,000 | $ 353,222 | $ 199,000 |
| Gulfport-Biloxi, MS | 8 | $ 1,206,000 | $ 150,750 | $ 142,000 |
| Ogden-Clearfield, UT | 7 | $ 1,121,000 | $ 160,142 | $ 165,000 |
| Lafayette, LA | 6 | $ 1,016,000 | $ 169,333 | $ 118,000 |
| Las Vegas-Paradise, NV | 6 | $ 758,000 | $ 126,333 | $ 123,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 1,355,000 | $ 225,833 | $ 149,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,176,000 | $ 235,200 | $ 157,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 2,044,000 | $ 408,800 | $ 190,000 |
| Salt Lake City, UT | 5 | $ 1,028,000 | $ 205,600 | $ 169,000 |
| San Antonio-New Braunfels, TX | 5 | $ 1,128,000 | $ 225,600 | $ 174,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,716,000 | $ 343,200 | $ 138,000 |
| Baton Rouge, LA | 4 | $ 403,000 | $ 100,750 | $ 84,000 |
| Beaumont-Port Arthur, TX | 4 | $ 472,000 | $ 118,000 | $ 99,000 |
| Grand Junction, CO | 4 | $ 1,037,000 | $ 259,250 | $ 130,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 481,000 | $ 120,250 | $ 102,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 303,000 | $ 75,750 | $ 190,000 |
| Las Cruces, NM | 4 | $ 739,000 | $ 184,750 | $ 116,000 |
| Modesto, CA | 4 | $ 784,000 | $ 196,000 | $ 105,000 |
| Napa, CA | 4 | $ 1,230,000 | $ 307,500 | $ 215,000 |
| Reno-Sparks, NV | 4 | $ 873,000 | $ 218,250 | $ 146,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 424,000 | $ 106,000 | $ 157,000 |
| Stockton, CA | 4 | $ 769,000 | $ 192,250 | $ 80,000 |
| Albuquerque, NM | 3 | $ 433,000 | $ 144,333 | $ 99,000 |
| Bend, OR | 3 | $ 793,000 | $ 264,333 | $ 168,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,440,000 | $ 480,000 | $ 263,000 |
| Indianapolis-Carmel, IN | 3 | $ 255,000 | $ 85,000 | $ 114,000 |
| Jacksonville, FL | 3 | $ 304,000 | $ 101,333 | $ 168,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 510,000 | $ 170,000 | $ 108,000 |
| Memphis, TN-MS-AR | 3 | $ 894,000 | $ 298,000 | $ 117,666 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 880,000 | $ 293,333 | $ 181,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 412,000 | $ 137,333 | $ 145,000 |
| Philadelphia, PA | 3 | $ 901,000 | $ 300,333 | $ 201,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 233,000 | $ 77,666 | $ 126,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 63,000 | $ 31,500 | $ 133,000 |
| Boise City-Nampa, ID | 2 | $ 380,000 | $ 190,000 | $ 97,000 |
| Boulder, CO | 2 | $ 1,423,000 | $ 711,500 | $ 760,000 |
| Cape Girardeau-Jackson, MO-IL | 2 | $ 180,000 | $ 90,000 | $ 279,000 |
| College Station-Bryan, TX | 2 | $ 276,000 | $ 138,000 | $ 140,000 |
| Edison-New Brunswick, NJ | 2 | $ 208,000 | $ 104,000 | $ 183,000 |
| Fort Collins-Loveland, CO | 2 | $ 889,000 | $ 444,500 | $ 195,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 588,000 | $ 294,000 | $ 147,000 |
| Hanford-Corcoran, CA | 2 | $ 558,000 | $ 279,000 | $ 71,000 |
| Knoxville, TN | 2 | $ 695,000 | $ 347,500 | $ 161,000 |
| Lansing-East Lansing, MI | 2 | $ 152,000 | $ 76,000 | $ 200,000 |
| Nassau-Suffolk, NY | 2 | $ 471,000 | $ 235,500 | $ 163,000 |
| Norwich-New London, CT | 2 | $ 179,000 | $ 89,500 | $ 32,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 814,000 | $ 407,000 | $ 267,000 |
| Port St. Lucie, FL | 2 | $ 407,000 | $ 203,500 | $ 101,000 |
| Prescott, AZ | 2 | $ 352,000 | $ 176,000 | $ 84,000 |
| Provo-Orem, UT | 2 | $ 320,000 | $ 160,000 | $ 235,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,478,000 | $ 739,000 | $ 276,000 |
| Tucson, AZ | 2 | $ 663,000 | $ 331,500 | $ 118,000 |
| Tulsa, OK | 2 | $ 470,000 | $ 235,000 | $ 176,000 |
| Tuscaloosa, AL | 2 | $ 290,000 | $ 145,000 | $ 202,000 |
| Anchorage, AK | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Athens-Clarke County, GA | 1 | $ 750,000 | $ 750,000 | $ 199,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 124,000 | $ 124,000 | $ 30,000 |
| Bellingham, WA | 1 | $ 163,000 | $ 163,000 | $ 77,000 |
| Camden, NJ | 1 | $ 22,000 | $ 22,000 | $ 146,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 172,000 | $ 172,000 | $ 228,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 807,000 | $ 807,000 | $ 1,851,000 |
| Chico, CA | 1 | $ 239,000 | $ 239,000 | $ 140,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 250,000 | $ 250,000 | $ 201,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 156,000 | $ 156,000 | $ 73,000 |
| Colorado Springs, CO | 1 | $ 273,000 | $ 273,000 | $ 99,000 |
| Columbia, SC | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
| Fresno, CA | 1 | $ 120,000 | $ 120,000 | $ 94,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 200,000 | $ 200,000 | $ 162,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 248,000 | $ 248,000 | $ 289,000 |
| Idaho Falls, ID | 1 | $ 275,000 | $ 275,000 | $ 182,000 |
| Jackson, MS | 1 | $ 143,000 | $ 143,000 | $ 85,000 |
| Longview, TX | 1 | $ 137,000 | $ 137,000 | $ 130,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 232,000 | $ 232,000 | $ 181,000 |
| Lubbock, TX | 1 | $ 116,000 | $ 116,000 | $ 52,000 |
| Lynchburg, VA | 1 | $ 64,000 | $ 64,000 | $ 81,000 |
| Morgantown, WV | 1 | $ 266,000 | $ 266,000 | $ 110,000 |
| Naples-Marco Island, FL | 1 | $ 690,000 | $ 690,000 | $ 198,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 168,000 | $ 168,000 | $ 100,000 |
| Newark-Union, NJ-PA | 1 | $ 51,000 | $ 51,000 | $ 225,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 128,000 | $ 128,000 | $ 98,000 |
| Ocala, FL | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 59,000 | $ 59,000 | $ 81,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 140,000 | $ 140,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 292,000 | $ 292,000 | $ 123,000 |
| Punta Gorda, FL | 1 | $ 299,000 | $ 299,000 | $ 1,129,000 |
| Racine, WI | 1 | $ 158,000 | $ 158,000 | $ 121,000 |
| Redding, CA | 1 | $ 238,000 | $ 238,000 | $ 66,000 |
| Santa Fe, NM | 1 | $ 50,000 | $ 50,000 | $ 123,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 52,000 | $ 52,000 | $ 95,000 |
| Spokane, WA | 1 | $ 60,000 | $ 60,000 | $ 66,000 |
| Springfield, MA | 1 | $ 130,000 | $ 130,000 | $ 90,000 |
| St. George, UT | 1 | $ 161,000 | $ 161,000 | $ 194,000 |
| Tacoma, WA | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Tallahassee, FL | 1 | $ 114,000 | $ 114,000 | $ 135,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 119,000 | $ 119,000 | $ 170,000 |
| Visalia-Porterville, CA | 1 | $ 156,000 | $ 156,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Chevron Federal Credit Union in 2012
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 | 1,274 | $327,661,000 | $257,000 | $1,540,000 | $156,000 | $1,851,000 |
| Home Purchase | 806 | $204,882,000 | $254,000 | $1,412,000 | $164,000 | $654,000 |
| Home Improvement | 232 | $44,657,000 | $192,000 | $1,600,000 | $148,000 | $624,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,139 | $285,946,000 | $251,000 | $1,540,000 | $161,000 | $869,000 |
| Not Provided | 700 | $177,641,000 | $253,000 | $1,380,000 | $159,000 | $1,354,000 |
| Hispanic | 187 | $39,827,000 | $212,000 | $899,000 | $136,000 | $467,000 |
| Asian | 171 | $50,605,000 | $295,000 | $1,600,000 | $166,000 | $1,851,000 |
| Black or African American | 98 | $19,703,000 | $201,000 | $1,280,000 | $146,000 | $703,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,783,000 | $278,000 | $550,000 | $93,000 | $214,000 |
| American Indian or Alaskan Native | 7 | $695,000 | $99,000 | $258,000 | $132,000 | $240,000 |
| 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) | 2,312 | $577,200,000 | $249,000 | $1,600,000 | $158,000 | $1,851,000 |
| 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 | 1,310 | $334,313,000 | $255,000 | $1,412,000 | $161,000 | $1,851,000 |
| Application Denied By Financial Institution | 988 | $239,618,000 | $242,000 | $1,600,000 | $154,000 | $1,129,000 |
| Application Withdrawn By Applicant | 7 | $1,883,000 | $269,000 | $432,000 | $158,000 | $410,000 |
| File Closed For Incompleteness | 7 | $1,386,000 | $198,000 | $380,000 | $165,000 | $232,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 619 | $142,777,000 | $230,000 | $1,600,000 | $153,000 | $900,000 |
| Credit Application Incomplete | 276 | $72,776,000 | $263,000 | $1,380,000 | $162,000 | $1,129,000 |
| Collateral | 40 | $12,066,000 | $301,000 | $1,540,000 | $171,000 | $607,000 |
| Mortgage Insurance Denied | 13 | $2,810,000 | $216,000 | $562,000 | $96,000 | $301,000 |
| Credit History | 12 | $3,121,000 | $260,000 | $590,000 | $107,000 | $200,000 |
| Debt-To-Income Ratio | 12 | $2,370,000 | $197,000 | $417,000 | $98,000 | $221,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $824,000 | $137,000 | $410,000 | $71,000 | $120,000 |
| Unverifiable Information | 5 | $1,758,000 | $351,000 | $654,000 | $171,000 | $350,000 |
| Employment History | 1 | $319,000 | $319,000 | $319,000 | $248,000 | $248,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chevron Federal Credit Union's 2012 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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