Pacific Union Financial, LLC Mortgage Lending & HMDA Data, 2012
In 2012, Pacific Union Financial, LLC of Irving, TX reported 24,040 mortgage applications totaling $5.7 billion, up 118% from 2011. The average application was for $235,207, and applicants reported an average income of $54,055. 41% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,407), Riverside-San Bernardino-Ontario, CA (2,719) and Santa Ana-Anaheim-Irvine, CA (1,509) (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 | 24,040 |
| Total Mortgage Loan Application Amount | $5,654,386,000 |
| Average Mortgage Loan Application Amount | $235,207 |
| Highest Mortgage Loan Application Amount | $1,403,000 |
| Average Applicant Income | $54,055 |
| Highest Applicant Income | $9,999,000 |
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records Pacific Union Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 5,407 | $ 1,504,272,000 | $ 278,208 | $ 70,000 |
| Riverside-San Bernardino-Ontario, CA | 2,719 | $ 558,655,000 | $ 205,463 | $ 46,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,509 | $ 533,820,000 | $ 353,757 | $ 91,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 844 | $ 219,919,000 | $ 260,567 | $ 68,201 |
| Oakland-Fremont-Hayward, CA | 805 | $ 221,591,000 | $ 275,268 | $ 63,000 |
| San Diego-Carlsbad-San Marcos, CA | 651 | $ 195,330,000 | $ 300,046 | $ 74,000 |
| Houston-Sugar Land-Baytown, TX | 635 | $ 88,484,000 | $ 139,344 | $ 41,000 |
| Phoenix-Mesa-Glendale, AZ | 475 | $ 81,764,000 | $ 172,134 | $ 34,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 451 | $ 99,741,000 | $ 221,155 | $ 43,000 |
| Newark-Union, NJ-PA | 421 | $ 100,594,000 | $ 238,940 | $ 61,781 |
| San Jose-Sunnyvale-Santa Clara, CA | 332 | $ 117,185,000 | $ 352,966 | $ 83,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 325 | $ 102,505,000 | $ 315,400 | $ 72,000 |
| Baltimore-Towson, MD | 320 | $ 71,510,000 | $ 223,468 | $ 61,000 |
| Denver-Aurora-Broomfield, CO | 289 | $ 57,220,000 | $ 197,993 | $ 32,000 |
| Atlanta-Sandy Springs-Marietta, GA | 288 | $ 47,702,000 | $ 165,631 | $ 42,000 |
| Las Vegas-Paradise, NV | 284 | $ 48,393,000 | $ 170,397 | $ 27,000 |
| Bakersfield-Delano, CA | 276 | $ 45,730,000 | $ 165,688 | $ 44,000 |
| New York-White Plains-Wayne, NY-NJ | 267 | $ 75,384,000 | $ 282,337 | $ 65,962 |
| Dallas-Plano-Irving, TX | 265 | $ 39,438,000 | $ 148,822 | $ 31,000 |
| San Francisco-San Mateo-Redwood City, CA | 260 | $ 114,004,000 | $ 438,476 | $ 118,000 |
| Chicago-Joliet-Naperville, IL | 235 | $ 44,568,000 | $ 189,651 | $ 16,000 |
| Edison-New Brunswick, NJ | 218 | $ 55,004,000 | $ 252,311 | $ 50,000 |
| Fresno, CA | 215 | $ 38,055,000 | $ 177,000 | $ 36,000 |
| Stockton, CA | 215 | $ 40,082,000 | $ 186,427 | $ 41,000 |
| Philadelphia, PA | 209 | $ 41,709,000 | $ 199,564 | $ 40,000 |
| Salt Lake City, UT | 209 | $ 39,929,000 | $ 191,047 | $ 11,000 |
| Cincinnati-Middletown, OH-KY-IN | 193 | $ 24,622,000 | $ 127,575 | $ 47,005 |
| Bethesda-Rockville-Frederick, MD | 168 | $ 48,005,000 | $ 285,744 | $ 65,000 |
| Richmond, VA | 163 | $ 28,199,000 | $ 173,000 | $ 48,000 |
| Camden, NJ | 149 | $ 27,433,000 | $ 184,114 | $ 46,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 145 | $ 28,294,000 | $ 195,131 | $ 15,000 |
| Seattle-Bellevue-Everett, WA | 140 | $ 35,498,000 | $ 253,557 | $ 43,000 |
| San Antonio-New Braunfels, TX | 129 | $ 18,761,000 | $ 145,434 | $ 20,000 |
| Vallejo-Fairfield, CA | 121 | $ 26,537,000 | $ 219,314 | $ 60,000 |
| Modesto, CA | 120 | $ 19,646,000 | $ 163,716 | $ 41,000 |
| Fort Worth-Arlington, TX | 119 | $ 16,312,000 | $ 137,075 | $ 28,000 |
| Columbus, OH | 112 | $ 16,190,000 | $ 144,553 | $ 36,000 |
| Santa Rosa-Petaluma, CA | 94 | $ 29,055,000 | $ 309,095 | $ 86,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 84 | $ 18,561,000 | $ 220,964 | $ 20,916 |
| Salinas, CA | 84 | $ 19,641,000 | $ 233,821 | $ 136,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 83 | $ 14,604,000 | $ 175,951 | $ 17,566 |
| Merced, CA | 81 | $ 12,071,000 | $ 149,024 | $ 34,000 |
| New Orleans-Metairie-Kenner, LA | 80 | $ 12,215,000 | $ 152,687 | $ 55,000 |
| Providence-New Bedford-Fall River, RI-MA | 79 | $ 16,814,000 | $ 212,835 | $ 3,620 |
| Tacoma, WA | 78 | $ 15,915,000 | $ 204,038 | $ 23,000 |
| Austin-Round Rock-San Marcos, TX | 75 | $ 12,257,000 | $ 163,426 | $ 11,000 |
| Laredo, TX | 71 | $ 9,952,000 | $ 140,169 | $ 44,000 |
| Boulder, CO | 70 | $ 21,116,000 | $ 301,657 | $ 102,000 |
| Ogden-Clearfield, UT | 66 | $ 10,836,000 | $ 164,181 | $ 9,000 |
| Boston-Quincy, MA | 59 | $ 15,301,000 | $ 259,338 | $ 23,000 |
| York-Hanover, PA | 57 | $ 8,373,000 | $ 146,894 | $ 46,000 |
| Tampa-St. Petersburg-Clearwater, FL | 55 | $ 7,673,000 | $ 139,509 | $ 3,000 |
| Visalia-Porterville, CA | 53 | $ 8,467,000 | $ 159,754 | $ 47,000 |
| El Paso, TX | 52 | $ 7,051,000 | $ 135,596 | $ 39,000 |
| Provo-Orem, UT | 50 | $ 8,845,000 | $ 176,900 | $ 19,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 50 | $ 12,799,000 | $ 255,980 | $ 55,000 |
| Memphis, TN-MS-AR | 49 | $ 5,200,000 | $ 106,122 | $ 37,000 |
| Hartford-West Hartford-East Hartford, CT | 47 | $ 9,044,000 | $ 192,425 | $ 39,000 |
| Baton Rouge, LA | 46 | $ 6,830,000 | $ 148,478 | $ 33,000 |
| Lake County-Kenosha County, IL-WI | 44 | $ 7,300,000 | $ 165,909 | $ 7,159 |
| Indianapolis-Carmel, IN | 41 | $ 5,148,000 | $ 125,560 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 41 | $ 7,288,000 | $ 177,756 | $ 4,000 |
| Madera-Chowchilla, CA | 39 | $ 5,723,000 | $ 146,743 | $ 36,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 38 | $ 6,557,000 | $ 172,552 | $ 23,368 |
| New Haven-Milford, CT | 37 | $ 7,381,000 | $ 199,486 | $ 54,000 |
| Santa Cruz-Watsonville, CA | 37 | $ 12,673,000 | $ 342,513 | $ 61,000 |
| Shreveport-Bossier City, LA | 37 | $ 5,490,000 | $ 148,378 | $ 50,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 36 | $ 5,150,000 | $ 143,055 | $ 29,000 |
| Pittsburgh, PA | 36 | $ 5,237,000 | $ 145,472 | $ 13,000 |
| Odessa, TX | 35 | $ 4,659,000 | $ 133,114 | $ 48,000 |
| San Luis Obispo-Paso Robles, CA | 34 | $ 11,735,000 | $ 345,147 | $ 78,000 |
| Dayton, OH | 33 | $ 3,974,000 | $ 120,424 | $ 60,000 |
| Cleveland-Elyria-Mentor, OH | 32 | $ 4,185,000 | $ 130,781 | $ 27,000 |
| McAllen-Edinburg-Mission, TX | 32 | $ 4,227,000 | $ 132,093 | $ 32,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 31 | $ 6,114,000 | $ 197,225 | $ 34,806 |
| Chico, CA | 31 | $ 6,369,000 | $ 205,451 | $ 36,000 |
| Manchester-Nashua, NH | 31 | $ 6,608,000 | $ 213,161 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 31 | $ 5,189,000 | $ 167,387 | $ 14,000 |
| Napa, CA | 30 | $ 10,111,000 | $ 337,033 | $ 51,000 |
| Trenton-Ewing, NJ | 30 | $ 6,073,000 | $ 202,433 | $ 43,000 |
| Chattanooga, TN-GA | 29 | $ 4,263,000 | $ 147,000 | $ 5,793 |
| Canton-Massillon, OH | 28 | $ 3,315,000 | $ 118,392 | $ 40,000 |
| Bridgeport-Stamford-Norwalk, CT | 27 | $ 8,103,000 | $ 300,111 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 5,330,000 | $ 197,407 | $ 29,000 |
| Charlottesville, VA | 26 | $ 6,284,000 | $ 241,692 | $ 110,000 |
| Jacksonville, FL | 26 | $ 4,138,000 | $ 159,153 | $ 8,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 26 | $ 4,146,000 | $ 159,461 | $ 11,000 |
| Greeley, CO | 25 | $ 5,132,000 | $ 205,280 | $ 22,000 |
| Warren-Troy-Farmington Hills, MI | 25 | $ 4,338,000 | $ 173,520 | $ 40,000 |
| Tucson, AZ | 24 | $ 3,881,000 | $ 161,708 | $ 7,000 |
| Longview, TX | 23 | $ 3,082,000 | $ 134,000 | $ 64,000 |
| Kansas City, MO-KS | 22 | $ 3,599,000 | $ 163,590 | $ 3,636 |
| Lexington-Fayette, KY | 22 | $ 3,449,000 | $ 156,772 | $ 0 |
| Yuba City, CA | 22 | $ 3,681,000 | $ 167,318 | $ 14,000 |
| Atlantic City-Hammonton, NJ | 21 | $ 3,865,000 | $ 184,047 | $ 42,000 |
| Milwaukee-Waukesha-West Allis, WI | 20 | $ 3,402,000 | $ 170,100 | $ 5,000 |
| Portland-South Portland-Biddeford, ME | 20 | $ 4,696,000 | $ 234,800 | $ 0 |
| Cambridge-Newton-Framingham, MA | 19 | $ 5,127,000 | $ 269,842 | $ 6,000 |
| Grand Junction, CO | 19 | $ 3,880,000 | $ 204,210 | $ 0 |
| College Station-Bryan, TX | 18 | $ 2,758,000 | $ 153,222 | $ 21,000 |
| Greensboro-High Point, NC | 18 | $ 2,705,000 | $ 150,277 | $ 5,000 |
| Lakeland-Winter Haven, FL | 18 | $ 3,022,000 | $ 167,888 | $ 22,000 |
| Madison, WI | 18 | $ 3,484,000 | $ 193,555 | $ 0 |
| Peabody, MA | 18 | $ 4,799,000 | $ 266,611 | $ 16,000 |
| Colorado Springs, CO | 17 | $ 3,410,000 | $ 200,588 | $ 22,000 |
| Rockingham County-Strafford County, NH | 17 | $ 3,503,000 | $ 206,058 | $ 0 |
| Beaumont-Port Arthur, TX | 16 | $ 2,093,000 | $ 130,812 | $ 38,000 |
| Fort Collins-Loveland, CO | 16 | $ 3,369,000 | $ 210,562 | $ 46,000 |
| Akron, OH | 15 | $ 1,733,000 | $ 115,533 | $ 42,000 |
| Gary, IN | 15 | $ 2,465,000 | $ 164,333 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 15 | $ 2,632,000 | $ 175,466 | $ 48,000 |
| Port St. Lucie, FL | 15 | $ 1,928,000 | $ 128,533 | $ 16,000 |
| Springfield, MA | 15 | $ 2,417,000 | $ 161,133 | $ 7,000 |
| Cleveland, TN | 14 | $ 1,792,000 | $ 128,000 | $ 0 |
| Columbia, SC | 14 | $ 2,142,000 | $ 153,000 | $ 3,000 |
| El Centro, CA | 14 | $ 2,155,000 | $ 153,928 | $ 54,000 |
| Eugene-Springfield, OR | 14 | $ 2,476,000 | $ 176,857 | $ 17,000 |
| Amarillo, TX | 13 | $ 1,912,000 | $ 147,076 | $ 22,000 |
| Raleigh-Cary, NC | 13 | $ 2,062,000 | $ 158,615 | $ 0 |
| Wilmington, DE-MD-NJ | 13 | $ 2,539,000 | $ 195,307 | $ 19,230 |
| Harrisburg-Carlisle, PA | 12 | $ 1,898,000 | $ 158,166 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 1,195,000 | $ 108,636 | $ 10,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 1,330,000 | $ 120,909 | $ 0 |
| Green Bay, WI | 11 | $ 1,491,000 | $ 135,545 | $ 9,000 |
| Greenville-Mauldin-Easley, SC | 11 | $ 1,869,000 | $ 169,909 | $ 31,000 |
| North Port-Bradenton-Sarasota, FL | 11 | $ 2,093,000 | $ 190,272 | $ 63,000 |
| Reading, PA | 11 | $ 1,706,000 | $ 155,090 | $ 20,000 |
| Bremerton-Silverdale, WA | 10 | $ 2,325,000 | $ 232,500 | $ 46,000 |
| Hanford-Corcoran, CA | 10 | $ 1,752,000 | $ 175,200 | $ 49,000 |
| Knoxville, TN | 10 | $ 1,709,000 | $ 170,900 | $ 12,000 |
| Worcester, MA | 10 | $ 2,125,000 | $ 212,500 | $ 0 |
| Albany, GA | 9 | $ 1,597,000 | $ 177,444 | $ 29,000 |
| Altoona, PA | 9 | $ 683,000 | $ 75,888 | $ 2,000 |
| Boise City-Nampa, ID | 9 | $ 1,509,000 | $ 167,666 | $ 7,000 |
| Corpus Christi, TX | 9 | $ 959,000 | $ 106,555 | $ 24,000 |
| Detroit-Livonia-Dearborn, MI | 9 | $ 1,387,000 | $ 154,111 | $ 44,000 |
| Nassau-Suffolk, NY | 9 | $ 2,696,000 | $ 299,555 | $ 0 |
| Pueblo, CO | 9 | $ 1,142,000 | $ 126,888 | $ 20,000 |
| Reno-Sparks, NV | 9 | $ 2,024,000 | $ 224,888 | $ 51,000 |
| Savannah, GA | 9 | $ 924,000 | $ 102,666 | $ 34,000 |
| Charleston-North Charleston-Summerville, SC | 8 | $ 1,514,000 | $ 189,250 | $ 17,000 |
| Columbus, GA-AL | 8 | $ 961,000 | $ 120,125 | $ 19,000 |
| Macon, GA | 8 | $ 883,000 | $ 110,375 | $ 7,000 |
| Medford, OR | 8 | $ 1,564,000 | $ 195,500 | $ 10,000 |
| Muskegon-Norton Shores, MI | 8 | $ 960,000 | $ 120,000 | $ 0 |
| Racine, WI | 8 | $ 1,399,000 | $ 174,875 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 8 | $ 1,578,000 | $ 197,250 | $ 17,000 |
| Albuquerque, NM | 7 | $ 1,085,000 | $ 155,000 | $ 48,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 926,000 | $ 132,285 | $ 20,000 |
| Lancaster, PA | 7 | $ 1,159,000 | $ 165,571 | $ 41,000 |
| Little Rock-North Little Rock-Conway, AR | 7 | $ 1,211,000 | $ 173,000 | $ 44,000 |
| Norwich-New London, CT | 7 | $ 1,272,000 | $ 181,714 | $ 24,000 |
| Ocean City, NJ | 7 | $ 1,556,000 | $ 222,285 | $ 91,000 |
| Oklahoma City, OK | 7 | $ 1,153,000 | $ 164,714 | $ 37,000 |
| Roanoke, VA | 7 | $ 903,000 | $ 129,000 | $ 55,000 |
| Salisbury, MD | 7 | $ 1,369,000 | $ 195,571 | $ 33,000 |
| Scranton--Wilkes-Barre, PA | 7 | $ 876,000 | $ 125,142 | $ 54,000 |
| Spartanburg, SC | 7 | $ 1,436,000 | $ 205,142 | $ 62,000 |
| Springfield, OH | 7 | $ 592,000 | $ 84,571 | $ 35,000 |
| Winston-Salem, NC | 7 | $ 932,000 | $ 133,142 | $ 12,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 687,000 | $ 98,142 | $ 24,000 |
| Abilene, TX | 6 | $ 553,000 | $ 92,166 | $ 0 |
| Barnstable Town, MA | 6 | $ 1,719,000 | $ 286,500 | $ 0 |
| Clarksville, TN-KY | 6 | $ 749,000 | $ 124,833 | $ 50,000 |
| Fayetteville, NC | 6 | $ 855,000 | $ 142,500 | $ 0 |
| Flint, MI | 6 | $ 717,000 | $ 119,500 | $ 22,000 |
| Fort Wayne, IN | 6 | $ 687,000 | $ 114,500 | $ 0 |
| Grand Rapids-Wyoming, MI | 6 | $ 698,000 | $ 116,333 | $ 13,000 |
| Greenville, NC | 6 | $ 720,000 | $ 120,000 | $ 0 |
| Honolulu, HI | 6 | $ 2,527,000 | $ 421,166 | $ 0 |
| Janesville, WI | 6 | $ 778,000 | $ 129,666 | $ 0 |
| Mankato-North Mankato, MN | 6 | $ 743,000 | $ 123,833 | $ 11,000 |
| Midland, TX | 6 | $ 1,351,000 | $ 225,166 | $ 65,000 |
| Olympia, WA | 6 | $ 1,244,000 | $ 207,333 | $ 51,000 |
| Saginaw-Saginaw Township North, MI | 6 | $ 866,000 | $ 144,333 | $ 35,000 |
| Salem, OR | 6 | $ 1,353,000 | $ 225,500 | $ 44,000 |
| Spokane, WA | 6 | $ 962,000 | $ 160,333 | $ 10,000 |
| Toledo, OH | 6 | $ 690,000 | $ 115,000 | $ 0 |
| Tyler, TX | 6 | $ 926,000 | $ 154,333 | $ 67,000 |
| Waco, TX | 6 | $ 889,000 | $ 148,166 | $ 45,000 |
| Wilmington, NC | 6 | $ 723,000 | $ 120,500 | $ 10,000 |
| Appleton, WI | 5 | $ 668,000 | $ 133,600 | $ 10,000 |
| Asheville, NC | 5 | $ 929,000 | $ 185,800 | $ 10,000 |
| Bend, OR | 5 | $ 826,000 | $ 165,200 | $ 6,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 596,000 | $ 119,200 | $ 0 |
| Durham-Chapel Hill, NC | 5 | $ 795,000 | $ 159,000 | $ 0 |
| Flagstaff, AZ | 5 | $ 1,160,000 | $ 232,000 | $ 147,000 |
| Holland-Grand Haven, MI | 5 | $ 607,000 | $ 121,400 | $ 72,000 |
| Kennewick-Pasco-Richland, WA | 5 | $ 780,000 | $ 156,000 | $ 51,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,017,000 | $ 203,400 | $ 31,000 |
| Longview, WA | 5 | $ 759,000 | $ 151,800 | $ 47,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,218,000 | $ 243,600 | $ 7,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 830,000 | $ 166,000 | $ 9,000 |
| Redding, CA | 5 | $ 776,000 | $ 155,200 | $ 28,000 |
| St. Louis, MO-IL | 5 | $ 1,090,000 | $ 218,000 | $ 0 |
| Winchester, VA-WV | 5 | $ 1,219,000 | $ 243,800 | $ 63,000 |
| Anderson, SC | 4 | $ 947,000 | $ 236,750 | $ 146,000 |
| Bellingham, WA | 4 | $ 967,000 | $ 241,750 | $ 14,000 |
| Bloomington, IN | 4 | $ 596,000 | $ 149,000 | $ 0 |
| Burlington-South Burlington, VT | 4 | $ 686,000 | $ 171,500 | $ 0 |
| Elkhart-Goshen, IN | 4 | $ 412,000 | $ 103,000 | $ 0 |
| Jackson, MI | 4 | $ 367,000 | $ 91,750 | $ 32,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 642,000 | $ 160,500 | $ 23,000 |
| Lansing-East Lansing, MI | 4 | $ 610,000 | $ 152,500 | $ 16,000 |
| Mobile, AL | 4 | $ 628,000 | $ 157,000 | $ 0 |
| Monroe, LA | 4 | $ 626,000 | $ 156,500 | $ 33,000 |
| Prescott, AZ | 4 | $ 773,000 | $ 193,250 | $ 29,000 |
| Rockford, IL | 4 | $ 536,000 | $ 134,000 | $ 0 |
| St. George, UT | 4 | $ 904,000 | $ 226,000 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 547,000 | $ 182,333 | $ 0 |
| Carson City, NV | 3 | $ 522,000 | $ 174,000 | $ 64,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 530,000 | $ 176,666 | $ 0 |
| Hinesville-Fort Stewart, GA | 3 | $ 524,000 | $ 174,666 | $ 29,000 |
| Hot Springs, AR | 3 | $ 346,000 | $ 115,333 | $ 12,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 621,000 | $ 207,000 | $ 76,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 313,000 | $ 104,333 | $ 22,000 |
| Jackson, TN | 3 | $ 381,000 | $ 127,000 | $ 18,000 |
| Kankakee-Bradley, IL | 3 | $ 588,000 | $ 196,000 | $ 0 |
| Kokomo, IN | 3 | $ 343,000 | $ 114,333 | $ 0 |
| Lubbock, TX | 3 | $ 484,000 | $ 161,333 | $ 46,000 |
| Lynchburg, VA | 3 | $ 562,000 | $ 187,333 | $ 27,000 |
| Oshkosh-Neenah, WI | 3 | $ 424,000 | $ 141,333 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 403,000 | $ 134,333 | $ 18,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Pocatello, ID | 3 | $ 330,000 | $ 110,000 | $ 36,000 |
| Rochester, NY | 3 | $ 482,000 | $ 160,666 | $ 0 |
| Sherman-Denison, TX | 3 | $ 600,000 | $ 200,000 | $ 51,000 |
| St. Cloud, MN | 3 | $ 324,000 | $ 108,000 | $ 0 |
| Tulsa, OK | 3 | $ 474,000 | $ 158,000 | $ 35,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 628,000 | $ 209,333 | $ 22,000 |
| Wichita Falls, TX | 3 | $ 480,000 | $ 160,000 | $ 49,000 |
| Yakima, WA | 3 | $ 531,000 | $ 177,000 | $ 24,000 |
| Alexandria, LA | 2 | $ 234,000 | $ 117,000 | $ 37,000 |
| Anchorage, AK | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 286,000 | $ 143,000 | $ 0 |
| Auburn-Opelika, AL | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Bangor, ME | 2 | $ 312,000 | $ 156,000 | $ 0 |
| Bay City, MI | 2 | $ 251,000 | $ 125,500 | $ 0 |
| Brownsville-Harlingen, TX | 2 | $ 176,000 | $ 88,000 | $ 23,000 |
| Burlington, NC | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Dalton, GA | 2 | $ 268,000 | $ 134,000 | $ 0 |
| Dothan, AL | 2 | $ 441,000 | $ 220,500 | $ 0 |
| Duluth, MN-WI | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Eau Claire, WI | 2 | $ 262,000 | $ 131,000 | $ 0 |
| Elizabethtown, KY | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Florence, SC | 2 | $ 397,000 | $ 198,500 | $ 0 |
| Florence-Muscle Shoals, AL | 2 | $ 336,000 | $ 168,000 | $ 0 |
| Fond Du Lac, WI | 2 | $ 449,000 | $ 224,500 | $ 0 |
| Jacksonville, NC | 2 | $ 284,000 | $ 142,000 | $ 0 |
| Kalamazoo-Portage, MI | 2 | $ 361,000 | $ 180,500 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 342,000 | $ 171,000 | $ 0 |
| Lafayette, IN | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Logan, UT-ID | 2 | $ 366,000 | $ 183,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Michigan City-La Porte, IN | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Montgomery, AL | 2 | $ 157,000 | $ 78,500 | $ 0 |
| Pittsfield, MA | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 332,000 | $ 166,000 | $ 0 |
| Rome, GA | 2 | $ 162,000 | $ 81,000 | $ 10,000 |
| Sebastian-Vero Beach, FL | 2 | $ 216,000 | $ 108,000 | $ 16,000 |
| Syracuse, NY | 2 | $ 173,000 | $ 86,500 | $ 0 |
| Tallahassee, FL | 2 | $ 435,000 | $ 217,500 | $ 38,000 |
| Terre Haute, IN | 2 | $ 172,000 | $ 86,000 | $ 0 |
| Topeka, KS | 2 | $ 201,000 | $ 100,500 | $ 0 |
| Tuscaloosa, AL | 2 | $ 327,000 | $ 163,500 | $ 0 |
| Victoria, TX | 2 | $ 237,000 | $ 118,500 | $ 0 |
| Williamsport, PA | 2 | $ 232,000 | $ 116,000 | $ 16,000 |
| Yuma, AZ | 2 | $ 314,000 | $ 157,000 | $ 18,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Anderson, IN | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Bowling Green, KY | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Brunswick, GA | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Charleston, WV | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Columbus, IN | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Corvallis, OR | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Danville, VA | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Decatur, AL | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Elmira, NY | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 166,000 | $ 166,000 | $ 90,000 |
| Farmington, NM | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Fort Smith, AR-OK | 1 | $ 119,000 | $ 119,000 | $ 39,000 |
| Gadsden, AL | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Gainesville, GA | 1 | $ 108,000 | $ 108,000 | $ 43,000 |
| Goldsboro, NC | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Huntsville, AL | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Jonesboro, AR | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Kingston, NY | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Lafayette, LA | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Lake Charles, LA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lawton, OK | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Lebanon, PA | 1 | $ 152,000 | $ 152,000 | $ 61,000 |
| Lewiston, ID-WA | 1 | $ 151,000 | $ 151,000 | $ 125,000 |
| Lewiston-Auburn, ME | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Mansfield, OH | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Morristown, TN | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Muncie, IN | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Naples-Marco Island, FL | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Ocala, FL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Rochester, MN | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 140,000 | $ 140,000 | $ 0 |
| San Angelo, TX | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Santa Fe, NM | 1 | $ 159,000 | $ 159,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Springfield, IL | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Steubenville-Weirton, OH-WV | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Sumter, SC | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 157,000 | $ 157,000 | $ 80,000 |
| Valdosta, GA | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Warner Robins, GA | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Wausau, WI | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Wichita, KS | 1 | $ 162,000 | $ 162,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pacific Union Financial, LLC 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 13,649 | $2,961,366,000 | $216,000 | $923,000 | $57,000 | $1,571,000 |
| Refinancing | 10,319 | $2,676,056,000 | $259,000 | $1,403,000 | $50,000 | $9,999,000 |
| Home Improvement | 72 | $16,964,000 | $235,000 | $625,000 | $77,000 | $540,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 7,033 | $1,541,047,000 | $219,000 | $905,000 | $57,000 | $9,999,000 |
| White | 6,425 | $1,704,694,000 | $265,000 | $1,403,000 | $83,000 | $5,325,000 |
| Not applicable | 5,480 | $1,104,877,000 | $201,000 | $934,000 | $0 | $0 |
| Black or African American | 1,765 | $366,864,000 | $207,000 | $743,000 | $61,000 | $1,333,000 |
| Asian | 1,707 | $495,624,000 | $290,000 | $808,000 | $82,000 | $625,000 |
| Not Provided | 1,472 | $397,217,000 | $269,000 | $802,000 | $75,000 | $938,000 |
| Native Hawaiian or Other Pacific Islander | 125 | $35,569,000 | $284,000 | $717,000 | $84,000 | $537,000 |
| American Indian or Alaskan Native | 33 | $8,494,000 | $257,000 | $583,000 | $86,000 | $264,000 |
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) | 18,461 | $4,137,622,000 | $224,000 | $1,403,000 | $42,000 | $9,999,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,355 | $1,464,874,000 | $273,000 | $802,000 | $99,000 | $5,325,000 |
| VA-guaranteed (Veterans Administration) | 224 | $51,890,000 | $231,000 | $639,000 | $19,000 | $249,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 9,829 | $2,469,936,000 | $251,000 | $1,403,000 | $70,000 | $5,325,000 |
| Application Denied By Financial Institution | 5,602 | $1,292,196,000 | $230,000 | $923,000 | $67,000 | $1,296,000 |
| Loan Purchased By The Institution | 5,480 | $1,104,877,000 | $201,000 | $934,000 | $0 | $0 |
| Application Approved But Not Accepted | 2,189 | $555,758,000 | $253,000 | $815,000 | $79,000 | $9,999,000 |
| Application Withdrawn By Applicant | 935 | $230,632,000 | $246,000 | $755,000 | $71,000 | $772,000 |
| File Closed For Incompleteness | 5 | $987,000 | $197,000 | $270,000 | $60,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,551 | $371,937,000 | $239,000 | $906,000 | $58,000 | $617,000 |
| Other | 1,306 | $294,901,000 | $225,000 | $906,000 | $71,000 | $960,000 |
| Credit History | 922 | $209,422,000 | $227,000 | $736,000 | $70,000 | $501,000 |
| Collateral | 586 | $135,193,000 | $230,000 | $923,000 | $86,000 | $1,296,000 |
| Credit Application Incomplete | 470 | $109,397,000 | $232,000 | $743,000 | $68,000 | $456,000 |
| Unverifiable Information | 352 | $80,808,000 | $229,000 | $905,000 | $67,000 | $431,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 212 | $44,028,000 | $207,000 | $743,000 | $60,000 | $840,000 |
| Employment History | 169 | $39,316,000 | $232,000 | $612,000 | $65,000 | $276,000 |
| Mortgage Insurance Denied | 34 | $7,194,000 | $211,000 | $442,000 | $63,000 | $165,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Union Financial, LLC'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 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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