Pacific Union Financial, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Pacific Union Financial, LLC of Irving, TX reported 5,671 mortgage applications totaling $1.3 billion, down 92% from 2018. The average application was for $236,754, and applicants reported an average income of $72,299. 29% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (189), Los Angeles-Long Beach-Glendale, CA (163) and Riverside-San Bernardino-Ontario, CA (161) (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 | 5,671 |
| Total Mortgage Loan Application Amount | $1,342,635,000 |
| Average Mortgage Loan Application Amount | $236,754 |
| Highest Mortgage Loan Application Amount | $2,095,000 |
| Average Applicant Income | $72,299 |
| Highest Applicant Income | $813,000 |
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records Pacific Union Financial, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Pacific Union Financial, LLC 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 | 4,093 | $946,835,000 | $231,000 | $2,095,000 | $70,000 | $813,000 |
| Cash-out Refinancing | 1,210 | $304,710,000 | $251,000 | $1,055,000 | $75,000 | $529,000 |
| Refinancing | 368 | $91,090,000 | $247,000 | $1,305,000 | $89,000 | $675,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,773 | $651,185,000 | $234,000 | $1,225,000 | $0 | $0 |
| White | 1,548 | $334,850,000 | $216,000 | $2,095,000 | $73,000 | $813,000 |
| Hispanic | 487 | $132,935,000 | $272,000 | $735,000 | $69,000 | $675,000 |
| Black or African American | 486 | $120,460,000 | $247,000 | $995,000 | $71,000 | $480,000 |
| Not Provided | 286 | $71,750,000 | $250,000 | $695,000 | $70,000 | $282,000 |
| Asian | 72 | $25,710,000 | $357,000 | $765,000 | $82,000 | $241,000 |
| American Indian or Alaskan Native | 9 | $2,025,000 | $225,000 | $355,000 | $86,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,910,000 | $363,000 | $635,000 | $107,000 | $204,000 |
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) | 3,829 | $877,775,000 | $229,000 | $915,000 | $70,000 | $480,000 |
| VA-guaranteed (Veterans Administration) | 1,037 | $288,385,000 | $278,000 | $1,225,000 | $70,000 | $352,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 579 | $140,945,000 | $243,000 | $2,095,000 | $96,000 | $813,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 226 | $35,530,000 | $157,000 | $435,000 | $50,000 | $105,000 |
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 Purchased By The Institution | 2,773 | $651,185,000 | $234,000 | $1,225,000 | $0 | $0 |
| Loan Originated | 1,669 | $383,095,000 | $229,000 | $1,305,000 | $72,000 | $600,000 |
| Application Denied By Financial Institution | 951 | $233,525,000 | $245,000 | $2,095,000 | $70,000 | $675,000 |
| Application Withdrawn By Applicant | 125 | $31,985,000 | $255,000 | $795,000 | $95,000 | $813,000 |
| Application Approved But Not Accepted | 121 | $34,635,000 | $286,000 | $725,000 | $68,000 | $282,000 |
| File Closed For Incompleteness | 32 | $8,210,000 | $256,000 | $645,000 | $79,000 | $198,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,720 | $1,109,110,000 | $234,000 | $1,305,000 | $73,000 | $813,000 |
| Credit Application Incomplete | 361 | $91,465,000 | $253,000 | $1,115,000 | $76,000 | $675,000 |
| Debt-To-Income Ratio | 135 | $36,395,000 | $269,000 | $2,095,000 | $60,000 | $549,000 |
| Credit History | 134 | $30,730,000 | $229,000 | $685,000 | $70,000 | $352,000 |
| Unverifiable Information | 119 | $28,785,000 | $241,000 | $675,000 | $71,000 | $248,000 |
| Collateral | 78 | $16,660,000 | $213,000 | $695,000 | $68,000 | $237,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 50 | $11,630,000 | $232,000 | $735,000 | $72,000 | $350,000 |
| Other | 40 | $10,160,000 | $254,000 | $695,000 | $63,000 | $282,000 |
| Employment History | 34 | $7,700,000 | $226,000 | $535,000 | $58,000 | $137,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Union Financial, LLC'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 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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