Chevron Federal Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Chevron Federal Credit Union of Concord, CA reported 3,433 mortgage applications totaling $1.2 billion, down 5% from 2020. The average application was for $345,477, and applicants reported an average income of $187,305. 64% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (881), Oakland-Hayward-Berkeley, CA (555) and Los Angeles-Long Beach-Glendale, CA (166) (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 | 3,433 |
| Total Mortgage Loan Application Amount | $1,186,025,000 |
| Average Mortgage Loan Application Amount | $345,477 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $187,305 |
| Highest Applicant Income | $2,095,000 |
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records Chevron Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-The Woodlands-Sugar Land, TX | 881 | $ 299,015,000 | $ 339,404 | $ 202,000 |
| Oakland-Hayward-Berkeley, CA | 555 | $ 253,145,000 | $ 456,117 | $ 208,000 |
| Outside any metro area | 193 | $ 56,805,000 | $ 294,326 | $ 174,445 |
| Los Angeles-Long Beach-Glendale, CA | 166 | $ 55,830,000 | $ 336,325 | $ 159,000 |
| Bakersfield, CA | 124 | $ 34,410,000 | $ 277,500 | $ 155,000 |
| New Orleans-Metairie, LA | 91 | $ 27,565,000 | $ 302,912 | $ 172,000 |
| Gulfport-Biloxi-Pascagoula, MS | 90 | $ 18,080,000 | $ 200,888 | $ 141,000 |
| Vallejo-Fairfield, CA | 85 | $ 28,215,000 | $ 331,941 | $ 144,000 |
| Midland, TX | 73 | $ 20,035,000 | $ 274,452 | $ 169,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 61 | $ 19,795,000 | $ 324,508 | $ 200,000 |
| San Francisco-Redwood City-South San Francisco, CA | 52 | $ 26,810,000 | $ 515,576 | $ 206,000 |
| Mobile, AL | 50 | $ 8,690,000 | $ 173,800 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 49 | $ 14,915,000 | $ 304,387 | $ 155,000 |
| Denver-Aurora-Lakewood, CO | 41 | $ 21,085,000 | $ 514,268 | $ 208,000 |
| Austin-Round Rock, TX | 40 | $ 12,100,000 | $ 302,500 | $ 211,000 |
| Phoenix-Mesa-Scottsdale, AZ | 38 | $ 12,500,000 | $ 328,947 | $ 177,000 |
| Anaheim-Santa Ana-Irvine, CA | 35 | $ 16,935,000 | $ 483,857 | $ 205,000 |
| San Rafael, CA | 25 | $ 13,285,000 | $ 531,400 | $ 258,000 |
| El Paso, TX | 24 | $ 2,980,000 | $ 124,166 | $ 118,000 |
| Dallas-Plano-Irving, TX | 23 | $ 8,185,000 | $ 355,869 | $ 192,000 |
| Stockton-Lodi, CA | 23 | $ 12,075,000 | $ 525,000 | $ 154,000 |
| Las Vegas-Henderson-Paradise, NV | 22 | $ 5,660,000 | $ 257,272 | $ 164,000 |
| San Diego-Carlsbad, CA | 21 | $ 7,375,000 | $ 351,190 | $ 183,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 20 | $ 7,180,000 | $ 359,000 | $ 280,450 |
| Portland-Vancouver-Hillsboro, OR-WA | 19 | $ 7,835,000 | $ 412,368 | $ 163,578 |
| Salt Lake City, UT | 19 | $ 5,555,000 | $ 292,368 | $ 151,000 |
| Atlanta-Sandy Springs-Roswell, GA | 18 | $ 5,430,000 | $ 301,666 | $ 150,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 17 | $ 18,705,000 | $ 1,100,294 | $ 302,000 |
| Pittsburgh, PA | 16 | $ 4,340,000 | $ 271,250 | $ 159,000 |
| Fort Worth-Arlington, TX | 15 | $ 3,415,000 | $ 227,666 | $ 156,000 |
| Napa, CA | 13 | $ 5,145,000 | $ 395,769 | $ 307,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 3,815,000 | $ 293,461 | $ 157,307 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 4,780,000 | $ 398,333 | $ 232,000 |
| Modesto, CA | 12 | $ 2,930,000 | $ 244,166 | $ 140,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 1,900,000 | $ 158,333 | $ 212,000 |
| Chicago-Naperville, IL | 11 | $ 2,025,000 | $ 184,090 | $ 125,000 |
| Reno, NV | 11 | $ 3,005,000 | $ 273,181 | $ 199,000 |
| Santa Rosa, CA | 11 | $ 4,985,000 | $ 453,181 | $ 238,000 |
| Fresno, CA | 10 | $ 3,140,000 | $ 314,000 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 10 | $ 4,600,000 | $ 460,000 | $ 203,000 |
| Washington-Baltimore-Arlington, DC | 10 | $ 2,590,000 | $ 259,000 | $ 114,000 |
| Daphne-Fairhope-Foley, AL | 9 | $ 2,235,000 | $ 248,333 | $ 162,000 |
| Odessa, TX | 9 | $ 2,175,000 | $ 241,666 | $ 133,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 3,525,000 | $ 391,666 | $ 184,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 9 | $ 3,245,000 | $ 360,555 | $ 191,000 |
| Tucson, AZ | 9 | $ 2,255,000 | $ 250,555 | $ 189,000 |
| Baton Rouge, LA | 8 | $ 2,100,000 | $ 262,500 | $ 166,000 |
| Lafayette, LA | 8 | $ 1,170,000 | $ 146,250 | $ 159,000 |
| San Antonio-New Braunfels, TX | 8 | $ 2,040,000 | $ 255,000 | $ 160,000 |
| Boulder, CO | 7 | $ 4,325,000 | $ 617,857 | $ 250,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,545,000 | $ 220,714 | $ 162,000 |
| Spokane-Spokane Valley, WA | 7 | $ 1,765,000 | $ 252,142 | $ 123,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,635,000 | $ 233,571 | $ 166,000 |
| Boise City, ID | 6 | $ 1,660,000 | $ 276,666 | $ 125,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 2,170,000 | $ 361,666 | $ 257,000 |
| Coeur D'Alene, ID | 6 | $ 1,270,000 | $ 211,666 | $ 188,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 3,550,000 | $ 591,666 | $ 303,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,820,000 | $ 303,333 | $ 139,000 |
| Albuquerque, NM | 5 | $ 1,465,000 | $ 293,000 | $ 157,000 |
| Beaumont-Port Arthur, TX | 5 | $ 1,295,000 | $ 259,000 | $ 81,000 |
| Billings, MT | 5 | $ 965,000 | $ 193,000 | $ 687,000 |
| Camden, NJ | 5 | $ 1,155,000 | $ 231,000 | $ 123,000 |
| Clarksville, TN-KY | 5 | $ 1,075,000 | $ 215,000 | $ 204,000 |
| Cleveland-Elyria, OH | 5 | $ 1,035,000 | $ 207,000 | $ 332,000 |
| Greeley, CO | 5 | $ 2,165,000 | $ 433,000 | $ 170,000 |
| Knoxville, TN | 5 | $ 2,905,000 | $ 581,000 | $ 210,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 2,525,000 | $ 505,000 | $ 220,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 815,000 | $ 163,000 | $ 96,000 |
| New York-Newark, NY | 5 | $ 1,505,000 | $ 301,000 | $ 145,000 |
| Ogden-Clearfield, UT | 5 | $ 1,535,000 | $ 307,000 | $ 248,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 475,000 | $ 95,000 | $ 168,000 |
| Prescott Valley-Prescott, AZ | 5 | $ 1,675,000 | $ 335,000 | $ 159,000 |
| Salinas, CA | 5 | $ 1,255,000 | $ 251,000 | $ 104,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,525,000 | $ 305,000 | $ 288,000 |
| Chico, CA | 4 | $ 1,230,000 | $ 307,500 | $ 112,000 |
| College Station-Bryan, TX | 4 | $ 670,000 | $ 167,500 | $ 336,000 |
| Corpus Christi, TX | 4 | $ 720,000 | $ 180,000 | $ 120,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 950,000 | $ 237,500 | $ 267,000 |
| Jackson, MS | 4 | $ 980,000 | $ 245,000 | $ 118,000 |
| Las Cruces, NM | 4 | $ 640,000 | $ 160,000 | $ 94,000 |
| Provo-Orem, UT | 4 | $ 1,420,000 | $ 355,000 | $ 105,000 |
| St. Louis, MO-IL | 4 | $ 1,330,000 | $ 332,500 | $ 319,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,810,000 | $ 452,500 | $ 323,000 |
| Visalia-Porterville, CA | 4 | $ 670,000 | $ 167,500 | $ 153,000 |
| Boston, MA | 3 | $ 435,000 | $ 145,000 | $ 292,000 |
| Cincinnati, OH-KY-IN | 3 | $ 475,000 | $ 158,333 | $ 128,000 |
| Colorado Springs, CO | 3 | $ 985,000 | $ 328,333 | $ 156,000 |
| Grand Junction, CO | 3 | $ 665,000 | $ 221,666 | $ 109,000 |
| Homosassa Springs, FL | 3 | $ 315,000 | $ 105,000 | $ 141,000 |
| Houma-Thibodaux, LA | 3 | $ 205,000 | $ 68,333 | $ 103,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 895,000 | $ 298,333 | $ 191,000 |
| Jacksonville, FL | 3 | $ 505,000 | $ 168,333 | $ 239,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 775,000 | $ 258,333 | $ 111,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 335,000 | $ 111,666 | $ 96,000 |
| Nassau County-Suffolk County, NY | 3 | $ 875,000 | $ 291,666 | $ 94,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 625,000 | $ 208,333 | $ 107,000 |
| Philadelphia, PA | 3 | $ 685,000 | $ 228,333 | $ 135,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 1,585,000 | $ 528,333 | $ 218,000 |
| Tacoma-Lakewood, WA | 3 | $ 925,000 | $ 308,333 | $ 171,000 |
| Tallahassee, FL | 3 | $ 475,000 | $ 158,333 | $ 118,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 865,000 | $ 288,333 | $ 95,000 |
| York-Hanover, PA | 3 | $ 555,000 | $ 185,000 | $ 132,000 |
| Anchorage, AK | 2 | $ 720,000 | $ 360,000 | $ 186,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 190,000 | $ 95,000 | $ 129,000 |
| Barnstable Town, MA | 2 | $ 320,000 | $ 160,000 | $ 141,000 |
| Bellingham, WA | 2 | $ 1,160,000 | $ 580,000 | $ 259,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 2,180,000 | $ 1,090,000 | $ 360,000 |
| Brownsville-Harlingen, TX | 2 | $ 230,000 | $ 115,000 | $ 117,000 |
| Carson City, NV | 2 | $ 660,000 | $ 330,000 | $ 139,000 |
| Casper, WY | 2 | $ 220,000 | $ 110,000 | $ 185,000 |
| Charleston-North Charleston, SC | 2 | $ 650,000 | $ 325,000 | $ 87,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,050,000 | $ 525,000 | $ 260,000 |
| Gary, IN | 2 | $ 350,000 | $ 175,000 | $ 150,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 460,000 | $ 230,000 | $ 181,000 |
| Hammond, LA | 2 | $ 600,000 | $ 300,000 | $ 160,000 |
| Hattiesburg, MS | 2 | $ 420,000 | $ 210,000 | $ 146,000 |
| Longview, TX | 2 | $ 520,000 | $ 260,000 | $ 135,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 530,000 | $ 265,000 | $ 233,000 |
| Madison, WI | 2 | $ 390,000 | $ 195,000 | $ 156,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 610,000 | $ 305,000 | $ 142,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 310,000 | $ 155,000 | $ 296,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 420,000 | $ 210,000 | $ 173,000 |
| Newark, NJ-PA | 2 | $ 530,000 | $ 265,000 | $ 120,000 |
| Oklahoma City, OK | 2 | $ 420,000 | $ 210,000 | $ 159,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 290,000 | $ 145,000 | $ 256,000 |
| Salisbury, MD-DE | 2 | $ 690,000 | $ 345,000 | $ 192,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 610,000 | $ 305,000 | $ 280,000 |
| Santa Fe, NM | 2 | $ 1,580,000 | $ 790,000 | $ 211,000 |
| Savannah, GA | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Tulsa, OK | 2 | $ 480,000 | $ 240,000 | $ 255,000 |
| Tyler, TX | 2 | $ 610,000 | $ 305,000 | $ 171,000 |
| Wilmington, NC | 2 | $ 570,000 | $ 285,000 | $ 93,000 |
| Abilene, TX | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Akron, OH | 1 | $ 305,000 | $ 305,000 | $ 92,000 |
| Albany, OR | 1 | $ 265,000 | $ 265,000 | $ 48,000 |
| Asheville, NC | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Birmingham-Hoover, AL | 1 | $ 545,000 | $ 545,000 | $ 192,000 |
| Bowling Green, KY | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Bremerton-Silverdale, WA | 1 | $ 105,000 | $ 105,000 | $ 280,000 |
| Cape Girardeau, MO-IL | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 225,000 | $ 225,000 | $ 182,000 |
| Chattanooga, TN-GA | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Columbia, MO | 1 | $ 395,000 | $ 395,000 | $ 177,000 |
| Columbia, SC | 1 | $ 305,000 | $ 305,000 | $ 170,000 |
| Columbus, OH | 1 | $ 435,000 | $ 435,000 | $ 284,000 |
| Durham-Chapel Hill, NC | 1 | $ 485,000 | $ 485,000 | $ 654,000 |
| Elgin, IL | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
| Elkhart-Goshen, IN | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Eugene, OR | 1 | $ 505,000 | $ 505,000 | $ 202,000 |
| Flagstaff, AZ | 1 | $ 845,000 | $ 845,000 | $ 250,000 |
| Florence-Muscle Shoals, AL | 1 | $ 95,000 | $ 95,000 | $ 199,000 |
| Fort Collins, CO | 1 | $ 15,000 | $ 15,000 | $ 101,000 |
| Gainesville, FL | 1 | $ 275,000 | $ 275,000 | $ 238,000 |
| Greensboro-High Point, NC | 1 | $ 305,000 | $ 305,000 | $ 167,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 375,000 | $ 375,000 | $ 154,000 |
| Hanford-Corcoran, CA | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 385,000 | $ 385,000 | $ 233,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 315,000 | $ 315,000 | $ 115,000 |
| Idaho Falls, ID | 1 | $ 175,000 | $ 175,000 | $ 206,000 |
| Jackson, MI | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 1,505,000 | $ 1,505,000 | $ 442,000 |
| Kansas City, MO-KS | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Kennewick-Richland, WA | 1 | $ 75,000 | $ 75,000 | $ 204,000 |
| Killeen-Temple, TX | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
| Lake Charles, LA | 1 | $ 165,000 | $ 165,000 | $ 140,000 |
| Lexington-Fayette, KY | 1 | $ 245,000 | $ 245,000 | $ 120,000 |
| Lincoln, NE | 1 | $ 265,000 | $ 265,000 | $ 180,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Memphis, TN-MS-AR | 1 | $ 75,000 | $ 75,000 | $ 152,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Missoula, MT | 1 | $ 515,000 | $ 515,000 | $ 333,000 |
| Montgomery, AL | 1 | $ 45,000 | $ 45,000 | $ 181,000 |
| Morristown, TN | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| New Haven-Milford, CT | 1 | $ 235,000 | $ 235,000 | $ 164,000 |
| Olympia-Tumwater, WA | 1 | $ 455,000 | $ 455,000 | $ 94,000 |
| Panama City, FL | 1 | $ 35,000 | $ 35,000 | $ 64,000 |
| Pueblo, CO | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Raleigh, NC | 1 | $ 335,000 | $ 335,000 | $ 104,000 |
| Redding, CA | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Richmond, VA | 1 | $ 345,000 | $ 345,000 | $ 95,000 |
| Rochester, NY | 1 | $ 255,000 | $ 255,000 | $ 166,000 |
| Sebastian-Vero Beach, FL | 1 | $ 575,000 | $ 575,000 | $ 150,000 |
| Sebring, FL | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Shreveport-Bossier City, LA | 1 | $ 95,000 | $ 95,000 | $ 486,000 |
| Sioux Falls, SD | 1 | $ 95,000 | $ 95,000 | $ 139,000 |
| St. Cloud, MN | 1 | $ 215,000 | $ 215,000 | $ 228,000 |
| The Villages, FL | 1 | $ 705,000 | $ 705,000 | $ 144,000 |
| Tuscaloosa, AL | 1 | $ 185,000 | $ 185,000 | $ 228,000 |
| Urban Honolulu, HI | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Worcester, MA-CT | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 365,000 | $ 365,000 | $ 410,000 |
| Yuma, AZ | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Chevron Federal Credit Union in 2021
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 | 1,175 | $563,295,000 | $479,000 | $3,005,000 | $208,000 | $1,645,000 |
| Refinancing | 732 | $221,050,000 | $301,000 | $1,715,000 | $176,000 | $2,095,000 |
| Cash-out Refinancing | 694 | $272,260,000 | $392,000 | $2,105,000 | $172,000 | $1,291,000 |
| Home Improvement | 500 | $71,380,000 | $142,000 | $965,000 | $178,000 | $863,000 |
| Other Purpose | 332 | $58,040,000 | $174,000 | $1,505,000 | $185,000 | $1,790,000 |
| 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 | 1,858 | $627,800,000 | $337,000 | $3,005,000 | $191,000 | $1,645,000 |
| Not Provided | 526 | $195,080,000 | $370,000 | $2,005,000 | $203,000 | $2,095,000 |
| Hispanic | 401 | $115,245,000 | $287,000 | $1,385,000 | $163,000 | $607,000 |
| Asian | 281 | $132,775,000 | $472,000 | $2,105,000 | $205,000 | $733,000 |
| Black or African American | 249 | $68,005,000 | $273,000 | $1,315,000 | $152,000 | $486,000 |
| American Indian or Alaskan Native | 28 | $7,210,000 | $257,000 | $695,000 | $130,000 | $269,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $5,380,000 | $384,000 | $745,000 | $164,000 | $288,000 |
| 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) | 3,433 | $1,186,025,000 | $345,000 | $3,005,000 | $187,000 | $2,095,000 |
| 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 | 2,196 | $800,400,000 | $364,000 | $3,005,000 | $192,000 | $1,790,000 |
| Application Denied By Financial Institution | 1,106 | $336,660,000 | $304,000 | $2,105,000 | $176,000 | $2,095,000 |
| Application Approved But Not Accepted | 129 | $48,115,000 | $372,000 | $1,675,000 | $198,000 | $601,000 |
| Application Withdrawn By Applicant | 2 | $850,000 | $425,000 | $445,000 | $207,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,327 | $849,365,000 | $365,000 | $3,005,000 | $192,000 | $1,790,000 |
| Credit Application Incomplete | 762 | $250,740,000 | $329,000 | $2,105,000 | $195,000 | $2,095,000 |
| Debt-To-Income Ratio | 170 | $43,960,000 | $258,000 | $1,805,000 | $98,000 | $384,000 |
| Collateral | 83 | $18,445,000 | $222,000 | $1,135,000 | $171,000 | $472,000 |
| Credit History | 55 | $11,525,000 | $209,000 | $1,145,000 | $142,000 | $452,000 |
| Other | 21 | $6,465,000 | $307,000 | $665,000 | $211,000 | $627,000 |
| Unverifiable Information | 10 | $4,160,000 | $416,000 | $1,525,000 | $210,000 | $435,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $175,000 | $164,000 | $250,000 |
| Employment History | 2 | $1,050,000 | $525,000 | $945,000 | $260,000 | $260,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Chevron Federal Credit Union's 2021 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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