Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Patelco Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Patelco Credit Union 5499 Sunrise Blvd., 2Nd Floor Citrus Heights, CA 95610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 2,796 |
| Total Mortgage Loan Application Amount | $416,218,000 |
| Average Mortgage Loan Application Amount | $87,142 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $90,309 |
| Highest Applicant Income | $541,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Patelco Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Patelco Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Patelco Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Patelco Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Patelco Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Patelco Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Contra Costa County California | 535 | $ 86,944,000 | $ 162,000 | $ 89,000 |
| Sacramento County California | 402 | $ 38,533,000 | $ 95,000 | $ 67,000 |
| Alameda County California | 391 | $ 67,530,000 | $ 172,000 | $ 99,000 |
| San Mateo County California | 181 | $ 31,805,000 | $ 175,000 | $ 93,000 |
| Solano County California | 181 | $ 25,304,000 | $ 139,000 | $ 73,000 |
| San Francisco County California | 141 | $ 28,788,000 | $ 204,000 | $ 92,000 |
| Sonoma County California | 130 | $ 20,049,000 | $ 154,000 | $ 73,000 |
| Placer County California | 100 | $ 13,738,000 | $ 137,000 | $ 73,000 |
| Santa Clara County California | 84 | $ 16,045,000 | $ 191,000 | $ 96,000 |
| San Joaquin County California | 65 | $ 7,962,000 | $ 122,000 | $ 84,000 |
| Marin County California | 53 | $ 14,790,000 | $ 279,000 | $ 109,000 |
| Kern County California | 46 | $ 3,246,000 | $ 70,000 | $ 63,000 |
| El Dorado County California | 37 | $ 5,906,000 | $ 159,000 | $ 123,000 |
| Humboldt County California | 31 | $ 3,265,000 | $ 105,000 | $ 44,000 |
| Stanislaus County California | 31 | $ 3,379,000 | $ 109,000 | $ 82,000 |
| Santa Cruz County California | 23 | $ 3,906,000 | $ 169,000 | $ 98,000 |
| Merced County California | 22 | $ 2,212,000 | $ 100,000 | $ 71,000 |
| Napa County California | 21 | $ 3,111,000 | $ 148,000 | $ 98,000 |
| Los Angeles County California | 19 | $ 3,075,000 | $ 161,000 | $ 115,000 |
| Fresno County California | 17 | $ 1,627,000 | $ 95,000 | $ 75,000 |
| Orange County California | 17 | $ 3,861,000 | $ 227,000 | $ 112,000 |
| San Diego County California | 15 | $ 2,075,000 | $ 138,000 | $ 93,000 |
| Yolo County California | 15 | $ 2,196,000 | $ 146,000 | $ 76,000 |
| Maricopa County Arizona | 13 | $ 1,052,000 | $ 80,000 | $ 52,000 |
| Mendocino County California | 10 | $ 1,610,000 | $ 161,000 | $ 75,000 |
| Nevada County California | 10 | $ 968,000 | $ 96,000 | $ 106,000 |
| Clark County Nevada | 10 | $ 1,151,000 | $ 115,000 | $ 102,000 |
| Amador County California | 8 | $ 1,080,000 | $ 135,000 | $ 75,000 |
| Butte County California | 8 | $ 785,000 | $ 98,000 | $ 69,000 |
| Lake County California | 8 | $ 1,093,000 | $ 136,000 | $ 66,000 |
| Tuolumne County California | 8 | $ 1,120,000 | $ 140,000 | $ 88,000 |
| Riverside County California | 7 | $ 897,000 | $ 128,000 | $ 106,000 |
| Shasta County California | 7 | $ 1,013,000 | $ 144,000 | $ 127,000 |
| Yuba County California | 7 | $ 575,000 | $ 82,000 | $ 59,000 |
| Calaveras County California | 6 | $ 1,081,000 | $ 180,000 | $ 79,000 |
| Washoe County Nevada | 6 | $ 676,000 | $ 112,000 | $ 60,000 |
| King County Washington | 6 | $ 1,000,000 | $ 166,000 | $ 152,000 |
| San Benito County California | 5 | $ 1,127,000 | $ 225,000 | $ 124,000 |
| Madera County California | 4 | $ 776,000 | $ 194,000 | $ 59,000 |
| Cook County Illinois | 4 | $ 186,000 | $ 46,000 | $ 81,000 |
| Mariposa County California | 3 | $ 359,000 | $ 119,000 | $ 31,000 |
| San Luis Obispo County California | 3 | $ 434,000 | $ 144,000 | $ 100,000 |
| Sutter County California | 3 | $ 96,000 | $ 32,000 | $ 63,000 |
| Trinity County California | 3 | $ 183,000 | $ 61,000 | $ 62,000 |
| Orange County Florida | 3 | $ 269,000 | $ 89,000 | $ 58,000 |
| Palm Beach County Florida | 3 | $ 353,000 | $ 117,000 | $ 109,000 |
| Gwinnett County Georgia | 3 | $ 105,000 | $ 35,000 | $ 83,000 |
| Burlington County New Jersey | 3 | $ 254,000 | $ 84,000 | $ 57,000 |
| Pima County Arizona | 2 | $ 320,000 | $ 160,000 | $ 43,000 |
| Yavapai County Arizona | 2 | $ 115,000 | $ 57,000 | $ 62,000 |
| Monterey County California | 2 | $ 235,000 | $ 117,000 | $ 101,000 |
| Plumas County California | 2 | $ 236,000 | $ 118,000 | $ 117,000 |
| San Bernardino County California | 2 | $ 235,000 | $ 117,000 | $ 32,000 |
| Tehama County California | 2 | $ 242,000 | $ 121,000 | $ 79,000 |
| Tulare County California | 2 | $ 171,000 | $ 85,000 | $ 34,000 |
| Broward County Florida | 2 | $ 361,000 | $ 180,000 | $ 96,000 |
| Duval County Florida | 2 | $ 115,000 | $ 57,000 | $ 65,000 |
| Hernando County Florida | 2 | $ 133,000 | $ 66,000 | $ 43,000 |
| Pinellas County Florida | 2 | $ 223,000 | $ 111,000 | $ 75,000 |
| Will County Illinois | 2 | $ 210,000 | $ 105,000 | $ 72,000 |
| Ascension County Louisiana | 2 | $ 100,000 | $ 50,000 | $ 66,000 |
| Douglas County Nevada | 2 | $ 602,000 | $ 301,000 | $ 148,000 |
| Multnomah County Oregon | 2 | $ 135,000 | $ 67,000 | $ 74,000 |
| Travis County Texas | 2 | $ 124,000 | $ 62,000 | $ 113,000 |
| Navajo County Arizona | 1 | $ 78,000 | $ 78,000 | $ 23,000 |
| Pinal County Arizona | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Benton County Arkansas | 1 | $ 60,000 | $ 60,000 | $ 176,000 |
| Pulaski County Arkansas | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Santa Barbara County California | 1 | $ 15,000 | $ 15,000 | $ 56,000 |
| Ventura County California | 1 | $ 82,000 | $ 82,000 | $ 42,000 |
| Adams County Colorado | 1 | $ 15,000 | $ 15,000 | $ 78,000 |
| Douglas County Colorado | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| El Paso County Colorado | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| District of Columbia County District Of Columbia | 1 | $ 50,000 | $ 50,000 | $ 152,000 |
| Leon County Florida | 1 | $ 276,000 | $ 276,000 | $ 64,000 |
| Okaloosa County Florida | 1 | $ 267,000 | $ 267,000 | $ 174,000 |
| Osceola County Florida | 1 | $ 10,000 | $ 10,000 | $ 59,000 |
| Sarasota County Florida | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Dawson County Georgia | 1 | $ 100,000 | $ 100,000 | $ 75,000 |
| Adams County Illinois | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Champaign County Illinois | 1 | $ 140,000 | $ 140,000 | $ 76,000 |
| DuPage County Illinois | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Franklin County Illinois | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Orleans County Louisiana | 1 | $ 100,000 | $ 100,000 | $ 124,000 |
| St. Tammany County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 106,000 |
| Frederick County Maryland | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Harford County Maryland | 1 | $ 75,000 | $ 75,000 | $ 135,000 |
| Middlesex County Massachusetts | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Worcester County Massachusetts | 1 | $ 169,000 | $ 169,000 | $ 120,000 |
| Stearns County Minnesota | 1 | $ 79,000 | $ 79,000 | $ 62,000 |
| Platte County Missouri | 1 | $ 15,000 | $ 15,000 | $ 160,000 |
| St. Charles County Missouri | 1 | $ 290,000 | $ 290,000 | $ 103,000 |
| St. Louis City County Missouri | 1 | $ 8,000 | $ 8,000 | $ 44,000 |
| Carson City County Nevada | 1 | $ 138,000 | $ 138,000 | $ 41,000 |
| Lyon County Nevada | 1 | $ 40,000 | $ 40,000 | $ 32,000 |
| Bergen County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Middlesex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Union County New Jersey | 1 | $ 382,000 | $ 382,000 | $ 225,000 |
| Nassau County New York | 1 | $ 70,000 | $ 70,000 | $ 105,000 |
| Orange County New York | 1 | $ 15,000 | $ 15,000 | $ 102,000 |
| Wake County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Douglas County Oregon | 1 | $ 46,000 | $ 46,000 | $ 126,000 |
| Lane County Oregon | 1 | $ 25,000 | $ 25,000 | $ 109,000 |
| Umatilla County Oregon | 1 | $ 86,000 | $ 86,000 | $ 47,000 |
| Washington County Oregon | 1 | $ 13,000 | $ 13,000 | $ 103,000 |
| Schuylkill County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Greenville County South Carolina | 1 | $ 320,000 | $ 320,000 | $ 160,000 |
| Hamilton County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 101,000 |
| Bexar County Texas | 1 | $ 100,000 | $ 100,000 | $ 93,000 |
| Collin County Texas | 1 | $ 80,000 | $ 80,000 | $ 82,000 |
| Hidalgo County Texas | 1 | $ 30,000 | $ 30,000 | $ 100,000 |
| Alexandria County Virginia | 1 | $ 40,000 | $ 40,000 | $ 220,000 |
| Fairfax County Virginia | 1 | $ 285,000 | $ 285,000 | $ 407,000 |
| Clark County Washington | 1 | $ 136,000 | $ 136,000 | $ 76,000 |
| Columbia County Washington | 1 | $ 61,000 | $ 61,000 | $ 120,000 |
| Jefferson County Washington | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Pierce County Washington | 1 | $ 99,000 | $ 99,000 | $ 86,000 |
| San Juan County Washington | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| Thurston County Washington | 1 | $ 126,000 | $ 126,000 | $ 74,000 |
| Adams County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,301 | $332,187,000 | $79,521 | $1,500,000 | $104,434 | $507,000 |
| Home Purchase (one-to-four family) | 352 | $81,078,000 | $167,400 | $1,200,000 | $83,700 | $365,000 |
| Home Improvement (one-to-four family) | 143 | $2,953,000 | $17,444 | $184,000 | $61,555 | $541,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,448 | $224,008,000 | $97,454 | $1,500,000 | $97,318 | $507,000 |
| Other | 438 | $58,240,000 | $84,833 | $918,000 | $81,000 | $415,000 |
| Asian or Pacific Islander | 336 | $56,607,000 | $121,142 | $700,000 | $87,428 | $256,000 |
| Hispanic | 335 | $43,861,000 | $84,166 | $513,000 | $76,000 | $541,000 |
| Black | 197 | $26,404,000 | $79,200 | $471,000 | $89,800 | $406,000 |
| Information not provided by applicant in mail or telephone application | 24 | $4,870,000 | $202,000 | $536,000 | $76,000 | $202,000 |
| American Indian or Alaskan Native | 18 | $2,228,000 | $123,000 | $322,000 | $74,000 | $139,000 |
| 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) | 2,796 | $416,218,000 | $86,360 | $1,500,000 | $97,040 | $541,000 |
| 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 | 2,476 | $379,324,000 | $163,562 | $1,500,000 | $115,750 | $507,000 |
| Application Denied By Financial Institution | 320 | $36,894,000 | $54,478 | $573,000 | $89,086 | $541,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 149 | $20,018,000 | $62,500 | $541,000 | $67,666 | $406,000 |
| Collateral | 68 | $5,153,000 | $60,375 | $324,000 | $69,625 | $245,000 |
| Other | 52 | $3,464,000 | $51,476 | $541,000 | $107,714 | $541,000 |
| Debt-To-Income Ratio | 49 | $8,062,000 | $119,500 | $573,000 | $47,250 | $245,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $197,000 | $98,000 | $185,000 | $68,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2003 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 Patelco 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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with aggregated HMDA statistics today.