Pacific Service Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Pacific Service Credit Union of Concord, CA reported 1,061 mortgage applications totaling $188.3 million, up 12% from 2023. The average application was for $177,497, and applicants reported an average income of $189,030. 58% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (293), Fresno, CA (189) and Sacramento--Roseville--Arden-Arcade, CA (135) (applications in parentheses).
| Mortgage Company & Address | Pacific Service Credit Union 3000 Clayton Road 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 | 1,061 |
| Total Mortgage Loan Application Amount | $188,325,000 |
| Average Mortgage Loan Application Amount | $177,497 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $189,030 |
| Highest Applicant Income | $4,784,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pacific Service Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oakland-Hayward-Berkeley, CA | 293 | $ 54,525,000 | $ 186,092 | $ 195,000 |
| Fresno, CA | 189 | $ 24,435,000 | $ 129,285 | $ 179,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 135 | $ 23,915,000 | $ 177,148 | $ 179,000 |
| Outside any metro area | 75 | $ 15,815,000 | $ 210,866 | $ 183,786 |
| Stockton-Lodi, CA | 60 | $ 9,800,000 | $ 163,333 | $ 168,000 |
| Vallejo-Fairfield, CA | 40 | $ 5,630,000 | $ 140,750 | $ 168,000 |
| San Francisco-Redwood City-South San Francisco, CA | 31 | $ 7,535,000 | $ 243,064 | $ 203,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 30 | $ 8,100,000 | $ 270,000 | $ 225,000 |
| Santa Rosa, CA | 21 | $ 3,765,000 | $ 179,285 | $ 211,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 19 | $ 3,915,000 | $ 206,052 | $ 175,000 |
| Chico, CA | 17 | $ 3,455,000 | $ 203,235 | $ 191,000 |
| Modesto, CA | 14 | $ 1,210,000 | $ 86,428 | $ 172,000 |
| Redding, CA | 14 | $ 2,470,000 | $ 176,428 | $ 207,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 2,590,000 | $ 185,000 | $ 155,000 |
| San Rafael, CA | 14 | $ 2,920,000 | $ 208,571 | $ 298,000 |
| Merced, CA | 13 | $ 1,205,000 | $ 92,692 | $ 120,000 |
| Napa, CA | 13 | $ 2,275,000 | $ 175,000 | $ 311,000 |
| Yuba City, CA | 8 | $ 780,000 | $ 97,500 | $ 146,000 |
| Bakersfield, CA | 7 | $ 565,000 | $ 80,714 | $ 182,000 |
| Los Angeles-Long Beach-Glendale, CA | 7 | $ 2,425,000 | $ 346,428 | $ 225,000 |
| San Diego-Carlsbad, CA | 7 | $ 2,125,000 | $ 303,571 | $ 300,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 1,445,000 | $ 206,428 | $ 142,000 |
| Hanford-Corcoran, CA | 6 | $ 550,000 | $ 91,666 | $ 167,000 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 3,235,000 | $ 647,000 | $ 205,000 |
| Visalia-Porterville, CA | 4 | $ 520,000 | $ 130,000 | $ 597,000 |
| Salinas, CA | 3 | $ 645,000 | $ 215,000 | $ 185,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 265,000 | $ 88,333 | $ 72,000 |
| Reno, NV | 2 | $ 840,000 | $ 420,000 | $ 122,000 |
| Albuquerque, NM | 1 | $ 65,000 | $ 65,000 | $ 217,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 75,000 | $ 75,000 | $ 177,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Oklahoma City, OK | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 485,000 | $ 485,000 | $ 158,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 45,000 | $ 45,000 | $ 132,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 405,000 | $ 405,000 | $ 138,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 75,000 | $ 75,000 | $ 197,000 |
| Tulsa, OK | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Pacific Service Credit Union in 2024
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 Improvement | 450 | $56,700,000 | $126,000 | $2,005,000 | $194,000 | $1,058,000 |
| Other Purpose | 397 | $41,705,000 | $105,000 | $1,105,000 | $181,000 | $4,784,000 |
| Home Purchase | 143 | $70,645,000 | $494,000 | $1,505,000 | $191,000 | $1,150,000 |
| Cash-out Refinancing | 39 | $11,085,000 | $284,000 | $855,000 | $157,000 | $938,000 |
| Refinancing | 32 | $8,190,000 | $255,000 | $935,000 | $249,000 | $2,071,000 |
| 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 | 383 | $68,625,000 | $179,000 | $2,005,000 | $180,000 | $1,150,000 |
| Not Provided | 322 | $58,890,000 | $182,000 | $1,345,000 | $183,000 | $709,000 |
| Hispanic | 189 | $30,515,000 | $161,000 | $1,105,000 | $187,000 | $2,071,000 |
| Asian | 89 | $20,065,000 | $225,000 | $1,505,000 | $212,000 | $856,000 |
| Black or African American | 62 | $7,720,000 | $124,000 | $605,000 | $250,000 | $4,784,000 |
| American Indian or Alaskan Native | 12 | $2,070,000 | $172,000 | $405,000 | $193,000 | $557,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $440,000 | $110,000 | $165,000 | $147,000 | $182,000 |
| 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) | 1,041 | $178,775,000 | $171,000 | $2,005,000 | $190,000 | $4,784,000 |
| FHA-insured (Federal Housing Administration) | 20 | $9,550,000 | $477,000 | $675,000 | $150,000 | $243,000 |
| 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 | 614 | $87,570,000 | $142,000 | $1,345,000 | $191,000 | $1,150,000 |
| Application Denied By Financial Institution | 140 | $20,240,000 | $144,000 | $2,005,000 | $164,000 | $682,000 |
| Application Withdrawn By Applicant | 124 | $20,330,000 | $163,000 | $935,000 | $204,000 | $4,784,000 |
| File Closed For Incompleteness | 105 | $23,775,000 | $226,000 | $1,505,000 | $182,000 | $875,000 |
| Application Approved But Not Accepted | 78 | $36,410,000 | $466,000 | $1,255,000 | $203,000 | $2,071,000 |
| 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 | 921 | $168,085,000 | $182,000 | $1,505,000 | $193,000 | $4,784,000 |
| Collateral | 61 | $6,035,000 | $98,000 | $485,000 | $192,000 | $624,000 |
| Debt-To-Income Ratio | 46 | $8,840,000 | $192,000 | $2,005,000 | $125,000 | $556,000 |
| Credit History | 17 | $2,225,000 | $130,000 | $455,000 | $120,000 | $256,000 |
| Credit Application Incomplete | 12 | $2,240,000 | $186,000 | $995,000 | $239,000 | $682,000 |
| Unverifiable Information | 3 | $355,000 | $118,000 | $205,000 | $184,000 | $390,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $545,000 | $545,000 | $545,000 | $94,000 | $94,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Service Credit Union's 2024 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 Pacific Service 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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