Pacific Union Financial, LLC Mortgage Lending & HMDA Data, 2010

In 2010, Pacific Union Financial, LLC of Irving, TX reported 5,290 mortgage applications totaling $1.4 billion, up 71% from 2009. The average application was for $265,761, and applicants reported an average income of $83,093. 49% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,789), Riverside-San Bernardino-Ontario, CA (1,017) and Santa Ana-Anaheim-Irvine, CA (498) (applications in parentheses).

Mortgage Company & Address Pacific Union Financial, LLC
8900 Freeport Pkwy, Ste 150
Irving, TX 75063
Tel #: available with data download
Federal Regulator * available with data download
Years 2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  
Total Number of Mortgage Applications 5,290
Total Mortgage Loan Application Amount $1,405,878,000
Average Mortgage Loan Application Amount $265,761
Highest Mortgage Loan Application Amount $1,067,000
Average Applicant Income $83,093
Highest Applicant Income $2,040,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pacific Union Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Pacific Union Financial, LLC by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 1,789 $ 483,700,000 $ 270,374 $ 77,000
Riverside, California 512 $ 97,995,000 $ 191,396 $ 59,000
San Bernardino, California 505 $ 92,846,000 $ 183,853 $ 60,000
Orange, California 498 $ 180,758,000 $ 362,967 $ 107,000
San Diego, California 175 $ 56,786,000 $ 324,491 $ 112,000
Contra Costa, California 154 $ 52,905,000 $ 343,538 $ 122,000
Santa Clara, California 127 $ 49,163,000 $ 387,110 $ 133,000
Alameda, California 114 $ 43,161,000 $ 378,605 $ 120,000
Sacramento, California 106 $ 23,701,000 $ 223,594 $ 87,000
Ventura, California 71 $ 24,445,000 $ 344,295 $ 113,000
Fresno, California 56 $ 10,197,000 $ 182,089 $ 59,000
Monterey, California 56 $ 13,074,000 $ 233,464 $ 77,000
San Joaquin, California 55 $ 10,585,000 $ 192,454 $ 63,000
Solano, California 53 $ 12,718,000 $ 239,962 $ 91,000
Kern, California 51 $ 8,752,000 $ 171,607 $ 61,000
Stanislaus, California 50 $ 8,301,000 $ 166,020 $ 60,000
Sonoma, California 44 $ 12,677,000 $ 288,113 $ 97,000
San Mateo, California 38 $ 15,380,000 $ 404,736 $ 126,000
Merced, California 35 $ 4,635,000 $ 132,428 $ 46,000
San Francisco, California 29 $ 12,551,000 $ 432,793 $ 141,000
Placer, California 28 $ 8,397,000 $ 299,892 $ 127,000
Santa Cruz, California 27 $ 9,567,000 $ 354,333 $ 114,000
San Luis Obispo, California 21 $ 7,153,000 $ 340,619 $ 114,000
Maricopa, Arizona 19 $ 4,331,000 $ 227,947 $ 108,000
El Dorado, California 19 $ 6,230,000 $ 327,894 $ 113,000
Baltimore, Maryland 19 $ 4,746,000 $ 249,789 $ 76,000
Montgomery, Maryland 19 $ 6,269,000 $ 329,947 $ 112,000
Prince George's, Maryland 17 $ 4,020,000 $ 236,470 $ 84,000
Fairfax, Virginia 17 $ 4,636,000 $ 272,705 $ 81,000
Prince William, Virginia 16 $ 3,542,000 $ 221,375 $ 62,000
Harris, Texas 15 $ 2,108,000 $ 140,533 $ 62,000
Imperial, California 13 $ 2,023,000 $ 155,615 $ 44,000
Santa Barbara, California 13 $ 3,509,000 $ 269,923 $ 88,000
Madera, California 12 $ 2,492,000 $ 207,666 $ 62,000
Napa, California 12 $ 3,403,000 $ 283,583 $ 75,000
Marin, California 11 $ 5,851,000 $ 531,909 $ 157,000
Hartford, Connecticut 11 $ 1,849,000 $ 168,090 $ 63,000
District of Columbia, District Of Columbia 11 $ 3,627,000 $ 329,727 $ 112,000
San Benito, California 10 $ 2,692,000 $ 269,200 $ 37,000
Yolo, California 10 $ 2,117,000 $ 211,700 $ 69,000
Baltimore City, Maryland 10 $ 1,974,000 $ 197,400 $ 50,000
Loudoun, Virginia 9 $ 2,872,000 $ 319,111 $ 96,000
Tulare, California 8 $ 1,729,000 $ 216,125 $ 90,000
Maui, Hawaii 8 $ 3,612,000 $ 451,500 $ 123,000
King, Washington 8 $ 2,661,000 $ 332,625 $ 93,000
Nevada, California 7 $ 1,391,000 $ 198,714 $ 214,000
Honolulu, Hawaii 7 $ 3,499,000 $ 499,857 $ 131,000
Anne Arundel, Maryland 7 $ 1,652,000 $ 236,000 $ 42,000
Clark, Nevada 7 $ 995,000 $ 142,142 $ 43,000
Pierce, Washington 7 $ 1,367,000 $ 195,285 $ 56,000
Snohomish, Washington 7 $ 1,443,000 $ 206,142 $ 55,000
Adams, Colorado 6 $ 828,000 $ 138,000 $ 52,000
Charles, Maryland 6 $ 2,362,000 $ 393,666 $ 63,000
Frederick, Maryland 6 $ 1,316,000 $ 219,333 $ 69,000
Richland, South Carolina 6 $ 720,000 $ 120,000 $ 35,000
Virginia Beach, Virginia 6 $ 1,191,000 $ 198,500 $ 63,000
Bexar, Texas 5 $ 662,000 $ 132,400 $ 123,000
Arlington, Virginia 5 $ 1,795,000 $ 359,000 $ 184,000
Mendocino, California 4 $ 1,055,000 $ 263,750 $ 77,000
Yuba, California 4 $ 886,000 $ 221,500 $ 60,000
Jefferson, Colorado 4 $ 885,000 $ 221,250 $ 59,000
Polk, Florida 4 $ 430,000 $ 107,500 $ 48,000
Hawaii, Hawaii 4 $ 1,421,000 $ 355,250 $ 103,000
Carroll, Maryland 4 $ 1,322,000 $ 330,500 $ 108,000
Harford, Maryland 4 $ 692,000 $ 173,000 $ 116,000
Multnomah, Oregon 4 $ 730,000 $ 182,500 $ 47,000
Butte, California 3 $ 1,234,000 $ 411,333 $ 139,000
Humboldt, California 3 $ 712,000 $ 237,333 $ 191,000
Summit, Colorado 3 $ 727,000 $ 242,333 $ 98,000
New Haven, Connecticut 3 $ 624,000 $ 208,000 $ 75,000
Bernalillo, New Mexico 3 $ 399,000 $ 133,000 $ 44,000
Rio Arriba, New Mexico 3 $ 465,000 $ 155,000 $ 43,000
Santa Fe, New Mexico 3 $ 761,000 $ 253,666 $ 394,000
Collin, Texas 3 $ 492,000 $ 164,000 $ 229,000
Dallas, Texas 3 $ 278,000 $ 92,666 $ 39,000
Henrico, Virginia 3 $ 499,000 $ 166,333 $ 40,000
Spotsylvania, Virginia 3 $ 616,000 $ 205,333 $ 50,000
Spokane, Washington 3 $ 765,000 $ 255,000 $ 65,000
Pima, Arizona 2 $ 379,000 $ 189,500 $ 53,000
Calaveras, California 2 $ 431,000 $ 215,500 $ 91,000
Kings, California 2 $ 411,000 $ 205,500 $ 78,000
Lake, California 2 $ 473,000 $ 236,500 $ 67,000
Shasta, California 2 $ 459,000 $ 229,500 $ 109,000
Sutter, California 2 $ 383,000 $ 191,500 $ 74,000
Broward, Florida 2 $ 260,000 $ 130,000 $ 37,000
Collier, Florida 2 $ 582,000 $ 291,000 $ 60,000
Osceola, Florida 2 $ 280,000 $ 140,000 $ 49,000
Palm Beach, Florida 2 $ 301,000 $ 150,500 $ 46,000
Queen Anne's, Maryland 2 $ 826,000 $ 413,000 $ 151,000
Washington, Maryland 2 $ 485,000 $ 242,500 $ 348,000
Sandoval, New Mexico 2 $ 538,000 $ 269,000 $ 64,000
Clackamas, Oregon 2 $ 482,000 $ 241,000 $ 134,000
Lane, Oregon 2 $ 657,000 $ 328,500 $ 178,000
Montgomery, Texas 2 $ 343,000 $ 171,500 $ 61,000
Brunswick, Virginia 2 $ 388,000 $ 194,000 $ 108,000
Chesapeake, Virginia 2 $ 576,000 $ 288,000 $ 61,000
Dinwiddie, Virginia 2 $ 498,000 $ 249,000 $ 78,000
Frederick, Virginia 2 $ 275,000 $ 137,500 $ 32,000
Petersburg, Virginia 2 $ 252,000 $ 126,000 $ 35,000
Richmond City, Virginia 2 $ 280,000 $ 140,000 $ 38,000
Clark, Washington 2 $ 360,000 $ 180,000 $ 86,000
Kitsap, Washington 2 $ 323,000 $ 161,500 $ 49,000
San Juan, Washington 2 $ 388,000 $ 194,000 $ 159,000
Mohave, Arizona 1 $ 417,000 $ 417,000 $ 170,000
Pinal, Arizona 1 $ 249,000 $ 249,000 $ 65,000
Yavapai, Arizona 1 $ 282,000 $ 282,000 $ 48,000
Amador, California 1 $ 228,000 $ 228,000 $ 171,000
Mariposa, California 1 $ 191,000 $ 191,000 $ 104,000
Mono, California 1 $ 158,000 $ 158,000 $ 97,000
Siskiyou, California 1 $ 218,000 $ 218,000 $ 36,000
Tuolumne, California 1 $ 386,000 $ 386,000 $ 53,000
Arapahoe, Colorado 1 $ 410,000 $ 410,000 $ 123,000
Denver, Colorado 1 $ 158,000 $ 158,000 $ 40,000
Douglas, Colorado 1 $ 412,000 $ 412,000 $ 164,000
El Paso, Colorado 1 $ 294,000 $ 294,000 $ 82,000
Garfield, Colorado 1 $ 364,000 $ 364,000 $ 72,000
Gunnison, Colorado 1 $ 143,000 $ 143,000 $ 87,000
Larimer, Colorado 1 $ 110,000 $ 110,000 $ 56,000
Routt, Colorado 1 $ 534,000 $ 534,000 $ 109,000
Fairfield, Connecticut 1 $ 597,000 $ 597,000 $ 130,000
Hillsborough, Florida 1 $ 108,000 $ 108,000 $ 57,000
Leon, Florida 1 $ 162,000 $ 162,000 $ 0
Marion, Florida 1 $ 122,000 $ 122,000 $ 27,000
Kauai, Hawaii 1 $ 591,000 $ 591,000 $ 52,000
Bannock, Idaho 1 $ 261,000 $ 261,000 $ 56,000
Blaine, Idaho 1 $ 629,000 $ 629,000 $ 160,000
Cook, Illinois 1 $ 114,000 $ 114,000 $ 0
Calvert, Maryland 1 $ 195,000 $ 195,000 $ 75,000
Caroline, Maryland 1 $ 144,000 $ 144,000 $ 87,000
Dorchester, Maryland 1 $ 116,000 $ 116,000 $ 31,000
Howard, Maryland 1 $ 403,000 $ 403,000 $ 87,000
Talbot, Maryland 1 $ 417,000 $ 417,000 $ 107,000
Worcester, Maryland 1 $ 234,000 $ 234,000 $ 147,000
Oakland, Michigan 1 $ 247,000 $ 247,000 $ 91,000
Wayne, Michigan 1 $ 113,000 $ 113,000 $ 88,000
Carver, Minnesota 1 $ 213,000 $ 213,000 $ 80,000
Hennepin, Minnesota 1 $ 164,000 $ 164,000 $ 68,000
Curry, New Mexico 1 $ 205,000 $ 205,000 $ 73,000
Douglas, Oregon 1 $ 750,000 $ 750,000 $ 181,000
Josephine, Oregon 1 $ 110,000 $ 110,000 $ 29,000
Linn, Oregon 1 $ 139,000 $ 139,000 $ 93,000
Washington, Oregon 1 $ 200,000 $ 200,000 $ 54,000
York, South Carolina 1 $ 304,000 $ 304,000 $ 210,000
Minnehaha, South Dakota 1 $ 276,000 $ 276,000 $ 89,000
Moody, South Dakota 1 $ 365,000 $ 365,000 $ 126,000
Turner, South Dakota 1 $ 338,000 $ 338,000 $ 85,000
Austin, Texas 1 $ 255,000 $ 255,000 $ 180,000
Chambers, Texas 1 $ 106,000 $ 106,000 $ 32,000
Comal, Texas 1 $ 169,000 $ 169,000 $ 34,000
Denton, Texas 1 $ 392,000 $ 392,000 $ 600,000
El Paso, Texas 1 $ 88,000 $ 88,000 $ 31,000
Galveston, Texas 1 $ 93,000 $ 93,000 $ 36,000
Johnson, Texas 1 $ 323,000 $ 323,000 $ 137,000
Parker, Texas 1 $ 120,000 $ 120,000 $ 84,000
Tarrant, Texas 1 $ 172,000 $ 172,000 $ 0
Cache, Utah 1 $ 194,000 $ 194,000 $ 47,000
Salt Lake, Utah 1 $ 215,000 $ 215,000 $ 94,000
Sanpete, Utah 1 $ 94,000 $ 94,000 $ 59,000
Utah, Utah 1 $ 100,000 $ 100,000 $ 254,000
Wasatch, Utah 1 $ 420,000 $ 420,000 $ 129,000
Weber, Utah 1 $ 145,000 $ 145,000 $ 48,000
Bedford, Virginia 1 $ 223,000 $ 223,000 $ 88,000
Buckingham, Virginia 1 $ 132,000 $ 132,000 $ 37,000
Campbell, Virginia 1 $ 171,000 $ 171,000 $ 62,000
Chesterfield, Virginia 1 $ 101,000 $ 101,000 $ 42,000
Clarke, Virginia 1 $ 205,000 $ 205,000 $ 52,000
Floyd, Virginia 1 $ 235,000 $ 235,000 $ 75,000
Hampton, Virginia 1 $ 129,000 $ 129,000 $ 49,000
Hanover, Virginia 1 $ 331,000 $ 331,000 $ 0
Isle of Wight, Virginia 1 $ 105,000 $ 105,000 $ 22,000
James City, Virginia 1 $ 218,000 $ 218,000 $ 76,000
Lunenburg, Virginia 1 $ 177,000 $ 177,000 $ 31,000
Lynchburg, Virginia 1 $ 129,000 $ 129,000 $ 33,000
Norfolk, Virginia 1 $ 161,000 $ 161,000 $ 47,000
Orange, Virginia 1 $ 217,000 $ 217,000 $ 78,000
Pulaski, Virginia 1 $ 256,000 $ 256,000 $ 50,000
Richmond, Virginia 1 $ 108,000 $ 108,000 $ 29,000
Rockingham, Virginia 1 $ 271,000 $ 271,000 $ 86,000
Suffolk, Virginia 1 $ 143,000 $ 143,000 $ 73,000
Okanogan, Washington 1 $ 163,000 $ 163,000 $ 12,000
Skagit, Washington 1 $ 123,000 $ 123,000 $ 34,000
Yakima, Washington 1 $ 130,000 $ 130,000 $ 32,000

Mortgage Loan Application Detail Totals for Pacific Union Financial, LLC in 2010

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 3,672 $854,854,000 $232,000 $922,000 $73,000 $1,645,000
Refinancing 1,618 $551,024,000 $340,000 $1,067,000 $106,000 $2,040,000
Home Improvement 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
Hispanic 2,541 $553,454,000 $217,000 $708,000 $59,000 $516,000
White 1,501 $480,609,000 $320,000 $1,067,000 $110,000 $1,645,000
Asian 548 $169,414,000 $309,000 $922,000 $104,000 $600,000
Not Provided 449 $140,759,000 $313,000 $995,000 $111,000 $2,040,000
Black or African American 200 $45,953,000 $229,000 $700,000 $69,000 $397,000
Native Hawaiian or Other Pacific Islander 39 $12,544,000 $321,000 $804,000 $93,000 $256,000
American Indian or Alaskan Native 12 $3,145,000 $262,000 $540,000 $84,000 $193,000
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
FHA-insured (Federal Housing Administration) 3,330 $799,764,000 $240,000 $922,000 $63,000 $935,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,960 $606,114,000 $309,000 $1,067,000 $116,000 $2,040,000
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 2,590 $705,701,000 $272,000 $922,000 $86,000 $1,645,000
Application Denied By Financial Institution 1,837 $495,274,000 $269,000 $1,067,000 $87,000 $2,040,000
Application Approved But Not Accepted 432 $102,424,000 $237,000 $729,000 $67,000 $498,000
Application Withdrawn By Applicant 261 $64,447,000 $246,000 $788,000 $70,000 $285,000
Preapproval Approved but not Accepted 74 $15,136,000 $204,000 $416,000 $54,000 $173,000
Preapproval Denied by Financial Institution 52 $10,709,000 $205,000 $475,000 $53,000 $158,000
File Closed For Incompleteness 44 $12,187,000 $276,000 $730,000 $80,000 $293,000
Loan Purchased By The 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
Debt-To-Income Ratio 565 $150,470,000 $266,000 $995,000 $80,000 $2,040,000
Other 353 $93,421,000 $264,000 $730,000 $85,000 $635,000
Collateral 305 $82,029,000 $268,000 $746,000 $94,000 $600,000
Credit History 258 $63,703,000 $246,000 $1,010,000 $79,000 $474,000
Credit Application Incomplete 158 $50,391,000 $318,000 $730,000 $113,000 $444,000
Unverifiable Information 110 $29,700,000 $270,000 $695,000 $90,000 $620,000
Employment History 75 $18,230,000 $243,000 $915,000 $66,000 $215,000
Insufficient Cash (Downpayment, Closing Cost) 60 $16,448,000 $274,000 $1,067,000 $89,000 $555,000
Mortgage Insurance Denied 5 $1,591,000 $318,000 $710,000 $158,000 $559,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Union Financial, LLC's 2010 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 Union Financial, LLC'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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