Chevron Federal Credit Union Mortgage Lending & HMDA Data, 2019

In 2019, Chevron Federal Credit Union of Concord, CA reported 2,189 mortgage applications totaling $707.0 million, down 4% from 2018. The average application was for $322,967, and applicants reported an average income of $179,072. 75% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (552), Oakland-Hayward-Berkeley, CA (450) and Los Angeles-Long Beach-Glendale, CA (117) (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 2,189
Total Mortgage Loan Application Amount $706,975,000
Average Mortgage Loan Application Amount $322,967
Highest Mortgage Loan Application Amount $1,845,000
Average Applicant Income $179,072
Highest Applicant Income $2,288,000

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records Chevron Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Chevron Federal Credit Union by Metropolitan Area in 2019

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Houston-The Woodlands-Sugar Land, TX 552 $ 172,430,000 $ 312,373 $ 186,000
Oakland-Hayward-Berkeley, CA 450 $ 190,160,000 $ 422,577 $ 195,000
Los Angeles-Long Beach-Glendale, CA 117 $ 47,635,000 $ 407,136 $ 151,000
Outside any metro area 86 $ 21,390,000 $ 248,720 $ 171,732
New Orleans-Metairie, LA 76 $ 22,170,000 $ 291,710 $ 182,000
Midland, TX 75 $ 22,695,000 $ 302,600 $ 163,000
Bakersfield, CA 68 $ 16,730,000 $ 246,029 $ 153,000
Vallejo-Fairfield, CA 62 $ 17,950,000 $ 289,516 $ 155,000
Riverside-San Bernardino-Ontario, CA 39 $ 9,075,000 $ 232,692 $ 116,000
San Francisco-Redwood City-South San Francisco, CA 37 $ 16,685,000 $ 450,945 $ 188,000
Gulfport-Biloxi-Pascagoula, MS 36 $ 6,030,000 $ 167,500 $ 151,000
Mobile, AL 36 $ 5,210,000 $ 144,722 $ 153,000
Sacramento--Roseville--Arden-Arcade, CA 35 $ 9,745,000 $ 278,428 $ 168,000
Pittsburgh, PA 31 $ 7,855,000 $ 253,387 $ 174,000
Salt Lake City, UT 30 $ 8,930,000 $ 297,666 $ 168,000
Austin-Round Rock, TX 21 $ 8,205,000 $ 390,714 $ 177,000
Denver-Aurora-Lakewood, CO 17 $ 4,485,000 $ 263,823 $ 207,000
Anaheim-Santa Ana-Irvine, CA 16 $ 6,450,000 $ 403,125 $ 164,000
San Rafael, CA 16 $ 6,810,000 $ 425,625 $ 208,000
El Paso, TX 13 $ 1,575,000 $ 121,153 $ 129,000
Napa, CA 11 $ 5,095,000 $ 463,181 $ 501,000
Ogden-Clearfield, UT 11 $ 1,515,000 $ 137,727 $ 134,000
San Jose-Sunnyvale-Santa Clara, CA 11 $ 5,365,000 $ 487,727 $ 241,000
San Diego-Carlsbad, CA 10 $ 3,640,000 $ 364,000 $ 172,000
Dallas-Plano-Irving, TX 9 $ 1,745,000 $ 193,888 $ 126,000
Las Vegas-Henderson-Paradise, NV 9 $ 2,465,000 $ 273,888 $ 150,000
Portland-Vancouver-Hillsboro, OR-WA 9 $ 2,875,000 $ 319,444 $ 178,111
Stockton-Lodi, CA 9 $ 2,725,000 $ 302,777 $ 149,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 9 $ 4,175,000 $ 463,888 $ 227,333
Santa Rosa, CA 8 $ 3,000,000 $ 375,000 $ 238,000
Atlanta-Sandy Springs-Roswell, GA 7 $ 865,000 $ 123,571 $ 149,000
Beaumont-Port Arthur, TX 7 $ 1,165,000 $ 166,428 $ 124,000
Lafayette, LA 7 $ 1,305,000 $ 186,428 $ 165,000
Odessa, TX 7 $ 1,705,000 $ 243,571 $ 109,000
Phoenix-Mesa-Scottsdale, AZ 7 $ 1,825,000 $ 260,714 $ 122,000
College Station-Bryan, TX 6 $ 1,570,000 $ 261,666 $ 199,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 6 $ 2,520,000 $ 420,000 $ 230,000
Seattle-Bellevue-Everett, WA 6 $ 2,260,000 $ 376,666 $ 205,000
Washington-Baltimore-Arlington, DC 6 $ 610,000 $ 101,666 $ 183,000
Baltimore-Columbia-Towson, MD 5 $ 725,000 $ 145,000 $ 82,000
Boise City, ID 5 $ 525,000 $ 105,000 $ 146,000
Colorado Springs, CO 5 $ 1,425,000 $ 285,000 $ 223,000
Daphne-Fairhope-Foley, AL 5 $ 985,000 $ 197,000 $ 123,000
Fort Collins, CO 5 $ 825,000 $ 165,000 $ 141,000
Houma-Thibodaux, LA 5 $ 645,000 $ 129,000 $ 100,000
Knoxville, TN 5 $ 1,545,000 $ 309,000 $ 149,000
Tampa-St. Petersburg-Clearwater, FL 5 $ 855,000 $ 171,000 $ 218,000
Cambridge-Newton-Framingham, MA 4 $ 1,530,000 $ 382,500 $ 161,000
Corpus Christi, TX 4 $ 790,000 $ 197,500 $ 175,000
Fort Worth-Arlington, TX 4 $ 670,000 $ 167,500 $ 144,000
Jackson, MS 4 $ 420,000 $ 105,000 $ 143,000
Louisville/Jefferson County, KY-IN 4 $ 2,800,000 $ 700,000 $ 271,000
Nashville-Davidson--Murfreesboro--Franklin, TN 4 $ 1,230,000 $ 307,500 $ 152,000
New York-Newark, NY 4 $ 770,000 $ 192,500 $ 141,000
Reno, NV 4 $ 1,160,000 $ 290,000 $ 205,000
Shreveport-Bossier City, LA 4 $ 2,760,000 $ 690,000 $ 321,000
Spokane-Spokane Valley, WA 4 $ 1,520,000 $ 380,000 $ 140,000
Boston, MA 3 $ 1,245,000 $ 415,000 $ 520,000
Carson City, NV 3 $ 685,000 $ 228,333 $ 131,000
Chicago-Naperville, IL 3 $ 505,000 $ 168,333 $ 154,000
Chico, CA 3 $ 745,000 $ 248,333 $ 96,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 3 $ 415,000 $ 138,333 $ 110,000
Fresno, CA 3 $ 145,000 $ 48,333 $ 128,000
Lake Havasu City-Kingman, AZ 3 $ 475,000 $ 158,333 $ 153,000
Miami-Miami Beach-Kendall, FL 3 $ 945,000 $ 315,000 $ 161,000
North Port-Sarasota-Bradenton, FL 3 $ 595,000 $ 198,333 $ 280,000
Oxnard-Thousand Oaks-Ventura, CA 3 $ 1,185,000 $ 395,000 $ 237,000
San Antonio-New Braunfels, TX 3 $ 575,000 $ 191,666 $ 133,000
Tucson, AZ 3 $ 445,000 $ 148,333 $ 73,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 1,485,000 $ 495,000 $ 263,000
Albuquerque, NM 2 $ 660,000 $ 330,000 $ 236,000
Birmingham-Hoover, AL 2 $ 660,000 $ 330,000 $ 161,000
Cape Coral-Fort Myers, FL 2 $ 560,000 $ 280,000 $ 120,000
Cincinnati, OH-KY-IN 2 $ 570,000 $ 285,000 $ 158,000
Cleveland-Elyria, OH 2 $ 170,000 $ 85,000 $ 1,055,000
Gary, IN 2 $ 280,000 $ 140,000 $ 121,000
Grand Rapids-Wyoming, MI 2 $ 570,000 $ 285,000 $ 140,000
Hattiesburg, MS 2 $ 410,000 $ 205,000 $ 127,000
Lexington-Fayette, KY 2 $ 790,000 $ 395,000 $ 412,000
Longview, TX 2 $ 580,000 $ 290,000 $ 187,000
Medford, OR 2 $ 400,000 $ 200,000 $ 35,000
Memphis, TN-MS-AR 2 $ 110,000 $ 55,000 $ 467,000
Merced, CA 2 $ 310,000 $ 155,000 $ 142,000
Modesto, CA 2 $ 690,000 $ 345,000 $ 138,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 2 $ 170,000 $ 85,000 $ 107,000
Olympia-Tumwater, WA 2 $ 600,000 $ 300,000 $ 54,000
Omaha-Council Bluffs, NE-IA 2 $ 710,000 $ 355,000 $ 181,000
Pensacola-Ferry Pass-Brent, FL 2 $ 280,000 $ 140,000 $ 204,000
Prescott Valley-Prescott, AZ 2 $ 910,000 $ 455,000 $ 246,000
Provo-Orem, UT 2 $ 620,000 $ 310,000 $ 107,000
Salinas, CA 2 $ 1,020,000 $ 510,000 $ 314,000
Santa Cruz-Watsonville, CA 2 $ 1,560,000 $ 780,000 $ 336,000
Albany, OR 1 $ 165,000 $ 165,000 $ 41,000
Albany-Schenectady-Troy, NY 1 $ 85,000 $ 85,000 $ 388,000
Amarillo, TX 1 $ 75,000 $ 75,000 $ 21,000
Atlantic City-Hammonton, NJ 1 $ 225,000 $ 225,000 $ 235,000
Augusta-Richmond County, GA-SC 1 $ 85,000 $ 85,000 $ 129,000
Baton Rouge, LA 1 $ 125,000 $ 125,000 $ 199,000
Bellingham, WA 1 $ 305,000 $ 305,000 $ 340,000
Bend-Redmond, OR 1 $ 555,000 $ 555,000 $ 226,000
Chattanooga, TN-GA 1 $ 25,000 $ 25,000 $ 43,000
Coeur D'Alene, ID 1 $ 45,000 $ 45,000 $ 214,000
Columbus, OH 1 $ 115,000 $ 115,000 $ 20,000
Corvallis, OR 1 $ 255,000 $ 255,000 $ 116,000
Elgin, IL 1 $ 125,000 $ 125,000 $ 186,000
Eugene, OR 1 $ 335,000 $ 335,000 $ 90,000
Farmington, NM 1 $ 45,000 $ 45,000 $ 85,000
Fayetteville-Springdale-Rogers, AR-MO 1 $ 275,000 $ 275,000 $ 72,000
Flagstaff, AZ 1 $ 295,000 $ 295,000 $ 170,000
Fort Wayne, IN 1 $ 35,000 $ 35,000 $ 129,000
Grand Junction, CO 1 $ 255,000 $ 255,000 $ 183,000
Hammond, LA 1 $ 35,000 $ 35,000 $ 58,000
Hanford-Corcoran, CA 1 $ 165,000 $ 165,000 $ 43,000
Huntsville, AL 1 $ 465,000 $ 465,000 $ 195,000
Idaho Falls, ID 1 $ 355,000 $ 355,000 $ 153,000
Kansas City, MO-KS 1 $ 115,000 $ 115,000 $ 83,000
Kingston, NY 1 $ 355,000 $ 355,000 $ 208,000
Laredo, TX 1 $ 105,000 $ 105,000 $ 133,000
Longview, WA 1 $ 195,000 $ 195,000 $ 105,000
Lubbock, TX 1 $ 385,000 $ 385,000 $ 105,000
Lynchburg, VA 1 $ 275,000 $ 275,000 $ 126,000
Milwaukee-Waukesha-West Allis, WI 1 $ 285,000 $ 285,000 $ 144,000
Mount Vernon-Anacortes, WA 1 $ 185,000 $ 185,000 $ 74,000
Nassau County-Suffolk County, NY 1 $ 525,000 $ 525,000 $ 177,000
New York-Jersey City-White Plains, NY-NJ 1 $ 75,000 $ 75,000 $ 124,000
Ocean City, NJ 1 $ 405,000 $ 405,000 $ 180,000
Oklahoma City, OK 1 $ 875,000 $ 875,000 $ 295,000
Orlando-Kissimmee-Sanford, FL 1 $ 205,000 $ 205,000 $ 283,000
Palm Bay-Melbourne-Titusville, FL 1 $ 145,000 $ 145,000 $ 173,000
Philadelphia, PA 1 $ 75,000 $ 75,000 $ 260,000
Punta Gorda, FL 1 $ 355,000 $ 355,000 $ 230,000
Raleigh, NC 1 $ 185,000 $ 185,000 $ 230,000
Redding, CA 1 $ 205,000 $ 205,000 $ 182,000
Richmond, VA 1 $ 165,000 $ 165,000 $ 111,000
Roanoke, VA 1 $ 305,000 $ 305,000 $ 0
Rockingham County-Strafford County, NH 1 $ 595,000 $ 595,000 $ 175,000
Salisbury, MD-DE 1 $ 805,000 $ 805,000 $ 121,000
Santa Fe, NM 1 $ 225,000 $ 225,000 $ 207,000
Santa Maria-Santa Barbara, CA 1 $ 555,000 $ 555,000 $ 90,000
South Bend-Mishawaka, IN-MI 1 $ 135,000 $ 135,000 $ 120,000
St. Louis, MO-IL 1 $ 185,000 $ 185,000 $ 342,000
Tacoma-Lakewood, WA 1 $ 265,000 $ 265,000 $ 86,000
Toledo, OH 1 $ 395,000 $ 395,000 $ 164,000
Tulsa, OK 1 $ 35,000 $ 35,000 $ 173,000
Tuscaloosa, AL 1 $ 465,000 $ 465,000 $ 159,000
Urban Honolulu, HI 1 $ 635,000 $ 635,000 $ 164,000
Warner Robins, GA 1 $ 115,000 $ 115,000 $ 58,000
Warren-Troy-Farmington Hills, MI 1 $ 255,000 $ 255,000 $ 90,000
Wilmington, DE-MD-NJ 1 $ 335,000 $ 335,000 $ 169,000
Wilmington, NC 1 $ 215,000 $ 215,000 $ 86,000

Mortgage Loan Application Detail Totals for Chevron Federal Credit Union in 2019

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 Purchase 1,123 $432,785,000 $385,000 $1,845,000 $187,000 $2,288,000
Home Improvement 313 $34,525,000 $110,000 $765,000 $159,000 $770,000
Cash-out Refinancing 297 $108,045,000 $363,000 $1,705,000 $182,000 $619,000
Other Purpose 273 $59,225,000 $216,000 $1,275,000 $165,000 $900,000
Refinancing 183 $72,395,000 $395,000 $1,345,000 $181,000 $962,000
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 1,095 $359,255,000 $328,000 $1,845,000 $187,000 $2,288,000
Not Provided 507 $172,435,000 $340,000 $1,635,000 $184,000 $962,000
Hispanic 239 $64,865,000 $271,000 $1,025,000 $141,000 $421,000
Asian 171 $65,385,000 $382,000 $1,285,000 $182,000 $505,000
Black or African American 127 $29,645,000 $233,000 $1,095,000 $148,000 $538,000
American Indian or Alaskan Native 8 $2,760,000 $345,000 $1,145,000 $130,000 $207,000
Native Hawaiian or Other Pacific Islander 6 $1,920,000 $320,000 $445,000 $141,000 $244,000
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) 2,189 $706,975,000 $322,000 $1,845,000 $179,000 $2,288,000
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 1,648 $554,560,000 $336,000 $1,845,000 $182,000 $2,288,000
Application Denied By Financial Institution 443 $119,075,000 $268,000 $1,555,000 $169,000 $2,288,000
Application Approved But Not Accepted 91 $30,825,000 $338,000 $1,705,000 $177,000 $697,000
Application Withdrawn By Applicant 5 $1,975,000 $395,000 $755,000 $215,000 $383,000
File Closed For Incompleteness 2 $540,000 $270,000 $345,000 $157,000 $158,000
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
Not applicable 1,746 $587,900,000 $336,000 $1,845,000 $182,000 $2,288,000
Credit Application Incomplete 232 $63,650,000 $274,000 $1,355,000 $187,000 $2,288,000
Other 92 $30,850,000 $335,000 $1,555,000 $174,000 $724,000
Debt-To-Income Ratio 39 $8,815,000 $226,000 $805,000 $105,000 $394,000
Collateral 38 $6,530,000 $171,000 $585,000 $153,000 $429,000
Credit History 26 $4,090,000 $157,000 $645,000 $119,000 $241,000
Unverifiable Information 8 $1,730,000 $216,000 $375,000 $133,000 $197,000
Insufficient Cash (Downpayment, Closing Cost) 6 $2,640,000 $440,000 $915,000 $184,000 $350,000
Employment History 2 $770,000 $385,000 $525,000 $196,000 $281,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Chevron Federal Credit Union's 2019 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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