Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Patelco Credit Union 2004 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 | 5,679 |
| Total Mortgage Loan Application Amount | $898,651,000 |
| Average Mortgage Loan Application Amount | $161,128 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $99,642 |
| Highest Applicant Income | $1,860,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 708 | $ 101,935,000 | $ 143,000 | $ 103,000 |
| Sacramento County California | 596 | $ 64,246,000 | $ 107,000 | $ 87,000 |
| Alameda County California | 550 | $ 90,244,000 | $ 164,000 | $ 92,000 |
| Solano County California | 240 | $ 28,100,000 | $ 117,000 | $ 83,000 |
| San Mateo County California | 227 | $ 36,394,000 | $ 160,000 | $ 97,000 |
| San Francisco County California | 164 | $ 31,459,000 | $ 191,000 | $ 100,000 |
| Placer County California | 160 | $ 20,570,000 | $ 128,000 | $ 88,000 |
| San Joaquin County California | 132 | $ 16,427,000 | $ 124,000 | $ 88,000 |
| Santa Clara County California | 127 | $ 27,943,000 | $ 220,000 | $ 125,000 |
| Kern County California | 68 | $ 4,263,000 | $ 62,000 | $ 72,000 |
| Sonoma County California | 62 | $ 6,708,000 | $ 108,000 | $ 72,000 |
| Marin County California | 61 | $ 10,911,000 | $ 178,000 | $ 127,000 |
| El Dorado County California | 50 | $ 5,979,000 | $ 119,000 | $ 98,000 |
| Stanislaus County California | 41 | $ 4,711,000 | $ 114,000 | $ 87,000 |
| Los Angeles County California | 40 | $ 8,400,000 | $ 210,000 | $ 103,000 |
| San Diego County California | 33 | $ 6,945,000 | $ 210,000 | $ 108,000 |
| Humboldt County California | 31 | $ 2,816,000 | $ 90,000 | $ 52,000 |
| Merced County California | 31 | $ 3,094,000 | $ 99,000 | $ 151,000 |
| Santa Cruz County California | 31 | $ 3,861,000 | $ 124,000 | $ 105,000 |
| Clark County Nevada | 29 | $ 3,791,000 | $ 130,000 | $ 83,000 |
| Napa County California | 27 | $ 3,667,000 | $ 135,000 | $ 87,000 |
| Yolo County California | 27 | $ 4,262,000 | $ 157,000 | $ 76,000 |
| Orange County California | 19 | $ 4,457,000 | $ 234,000 | $ 127,000 |
| Cook County Illinois | 18 | $ 2,761,000 | $ 153,000 | $ 93,000 |
| Riverside County California | 16 | $ 3,451,000 | $ 215,000 | $ 113,000 |
| Palm Beach County Florida | 15 | $ 2,264,000 | $ 150,000 | $ 108,000 |
| Maricopa County Arizona | 13 | $ 1,185,000 | $ 91,000 | $ 72,000 |
| Fresno County California | 13 | $ 2,281,000 | $ 175,000 | $ 83,000 |
| San Bernardino County California | 11 | $ 1,650,000 | $ 150,000 | $ 80,000 |
| Washoe County Nevada | 11 | $ 2,790,000 | $ 253,000 | $ 120,000 |
| Lake County California | 10 | $ 983,000 | $ 98,000 | $ 95,000 |
| Monterey County California | 10 | $ 2,513,000 | $ 251,000 | $ 86,000 |
| Tuolumne County California | 9 | $ 1,308,000 | $ 145,000 | $ 69,000 |
| Butte County California | 8 | $ 1,207,000 | $ 150,000 | $ 78,000 |
| Nevada County California | 8 | $ 1,854,000 | $ 231,000 | $ 82,000 |
| Shasta County California | 8 | $ 469,000 | $ 58,000 | $ 65,000 |
| Mariposa County California | 7 | $ 975,000 | $ 139,000 | $ 73,000 |
| San Luis Obispo County California | 7 | $ 774,000 | $ 110,000 | $ 93,000 |
| Madera County California | 6 | $ 647,000 | $ 107,000 | $ 69,000 |
| Mendocino County California | 6 | $ 565,000 | $ 94,000 | $ 68,000 |
| Yuba County California | 6 | $ 687,000 | $ 114,000 | $ 74,000 |
| Lake County Illinois | 6 | $ 1,461,000 | $ 243,000 | $ 130,000 |
| Ventura County California | 5 | $ 821,000 | $ 164,000 | $ 102,000 |
| Broward County Florida | 5 | $ 664,000 | $ 132,000 | $ 85,000 |
| Amador County California | 3 | $ 583,000 | $ 194,000 | $ 81,000 |
| Plumas County California | 3 | $ 372,000 | $ 124,000 | $ 58,000 |
| Santa Barbara County California | 3 | $ 942,000 | $ 314,000 | $ 131,000 |
| Orange County Florida | 3 | $ 613,000 | $ 204,000 | $ 83,000 |
| Bernalillo County New Mexico | 3 | $ 422,000 | $ 140,000 | $ 68,000 |
| Lane County Oregon | 3 | $ 291,000 | $ 97,000 | $ 152,000 |
| Dallas County Texas | 3 | $ 480,000 | $ 160,000 | $ 99,000 |
| Tarrant County Texas | 3 | $ 451,000 | $ 150,000 | $ 111,000 |
| Mohave County Arizona | 2 | $ 293,000 | $ 146,000 | $ 36,000 |
| Pulaski County Arkansas | 2 | $ 235,000 | $ 117,000 | $ 74,000 |
| Sutter County California | 2 | $ 480,000 | $ 240,000 | $ 55,000 |
| Marion County Florida | 2 | $ 159,000 | $ 79,000 | $ 66,000 |
| Miami-Dade County Florida | 2 | $ 92,000 | $ 46,000 | $ 76,000 |
| McHenry County Illinois | 2 | $ 221,000 | $ 110,000 | $ 74,000 |
| Douglas County Nevada | 2 | $ 540,000 | $ 270,000 | $ 302,000 |
| Marion County Oregon | 2 | $ 152,000 | $ 76,000 | $ 84,000 |
| Harris County Texas | 2 | $ 234,000 | $ 117,000 | $ 159,000 |
| Grays Harbor County Washington | 2 | $ 222,000 | $ 111,000 | $ 87,000 |
| King County Washington | 2 | $ 298,000 | $ 149,000 | $ 102,000 |
| Kitsap County Washington | 2 | $ 672,000 | $ 336,000 | $ 132,000 |
| Milwaukee County Wisconsin | 2 | $ 144,000 | $ 72,000 | $ 59,000 |
| Outagamie County Wisconsin | 2 | $ 126,000 | $ 63,000 | $ 71,000 |
| Navajo County Arizona | 1 | $ 67,000 | $ 67,000 | $ 26,000 |
| Pinal County Arizona | 1 | $ 222,000 | $ 222,000 | $ 55,000 |
| Benton County Arkansas | 1 | $ 210,000 | $ 210,000 | $ 58,000 |
| Tulare County California | 1 | $ 19,000 | $ 19,000 | $ 44,000 |
| Adams County Colorado | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Arapahoe County Colorado | 1 | $ 60,000 | $ 60,000 | $ 101,000 |
| Weld County Colorado | 1 | $ 303,000 | $ 303,000 | $ 90,000 |
| Brevard County Florida | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Citrus County Florida | 1 | $ 232,000 | $ 232,000 | $ 57,000 |
| Duval County Florida | 1 | $ 142,000 | $ 142,000 | $ 92,000 |
| Lake County Florida | 1 | $ 36,000 | $ 36,000 | $ 53,000 |
| Manatee County Florida | 1 | $ 96,000 | $ 96,000 | $ 43,000 |
| Pasco County Florida | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Pinellas County Florida | 1 | $ 166,000 | $ 166,000 | $ 130,000 |
| Polk County Florida | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| DeKalb County Georgia | 1 | $ 91,000 | $ 91,000 | $ 150,000 |
| Fulton County Georgia | 1 | $ 256,000 | $ 256,000 | $ 83,000 |
| Kauai County Hawaii | 1 | $ 525,000 | $ 525,000 | $ 163,000 |
| Nez Perce County Idaho | 1 | $ 95,000 | $ 95,000 | $ 61,000 |
| Shoshone County Idaho | 1 | $ 54,000 | $ 54,000 | $ 51,000 |
| Jefferson County Illinois | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
| Starke County Indiana | 1 | $ 256,000 | $ 256,000 | $ 146,000 |
| Taylor County Iowa | 1 | $ 148,000 | $ 148,000 | $ 100,000 |
| Cumberland County Maine | 1 | $ 334,000 | $ 334,000 | $ 193,000 |
| Montgomery County Maryland | 1 | $ 550,000 | $ 550,000 | $ 96,000 |
| Prince George's County Maryland | 1 | $ 705,000 | $ 705,000 | $ 284,000 |
| Middlesex County Massachusetts | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Jackson County Missouri | 1 | $ 98,000 | $ 98,000 | $ 194,000 |
| St. Charles County Missouri | 1 | $ 248,000 | $ 248,000 | $ 110,000 |
| Bronx County New York | 1 | $ 176,000 | $ 176,000 | $ 100,000 |
| Nassau County New York | 1 | $ 334,000 | $ 334,000 | $ 179,000 |
| Mecklenburg County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Wake County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Lorain County Ohio | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Coos County Oregon | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Deschutes County Oregon | 1 | $ 194,000 | $ 194,000 | $ 58,000 |
| Multnomah County Oregon | 1 | $ 231,000 | $ 231,000 | $ 47,000 |
| Polk County Oregon | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Montgomery County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 108,000 |
| Lincoln County South Dakota | 1 | $ 219,000 | $ 219,000 | $ 59,000 |
| Blount County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 34,000 |
| Dickson County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Hamilton County Tennessee | 1 | $ 127,000 | $ 127,000 | $ 47,000 |
| Bexar County Texas | 1 | $ 94,000 | $ 94,000 | $ 68,000 |
| Falls County Texas | 1 | $ 160,000 | $ 160,000 | $ 58,000 |
| Fort Bend County Texas | 1 | $ 137,000 | $ 137,000 | $ 195,000 |
| Williamson County Texas | 1 | $ 203,000 | $ 203,000 | $ 129,000 |
| Washington County Utah | 1 | $ 116,000 | $ 116,000 | $ 109,000 |
| Chesapeake County Virginia | 1 | $ 178,000 | $ 178,000 | $ 208,000 |
| Loudoun County Virginia | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Spotsylvania County Virginia | 1 | $ 197,000 | $ 197,000 | $ 92,000 |
| Clark County Washington | 1 | $ 212,000 | $ 212,000 | $ 44,000 |
| Spokane County Washington | 1 | $ 400,000 | $ 400,000 | $ 150,000 |
| Thurston County Washington | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Natrona County Wyoming | 1 | $ 94,000 | $ 94,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2004
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 | 2,306 | $120,844,000 | $53,000 | $250,000 | $87,555 | $1,320,000 |
| Home Purchase | 1,791 | $423,098,000 | $180,432 | $1,440,000 | $111,891 | $1,860,000 |
| Refinancing | 1,582 | $354,709,000 | $171,916 | $1,440,000 | $85,291 | $1,236,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 2,905 | $488,886,000 | $174,843 | $1,050,000 | $97,500 | $1,566,000 |
| White | 1,713 | $244,115,000 | $139,576 | $1,440,000 | $99,846 | $1,464,000 |
| Asian | 380 | $68,580,000 | $221,083 | $650,000 | $134,250 | $1,860,000 |
| Black or African American | 294 | $43,250,000 | $118,700 | $767,000 | $90,000 | $1,764,000 |
| Hispanic | 277 | $36,758,000 | $143,111 | $800,000 | $87,444 | $1,236,000 |
| Native Hawaiian or Other Pacific Islander | 80 | $11,492,000 | $255,500 | $525,000 | $108,500 | $1,326,000 |
| American Indian or Alaskan Native | 26 | $3,522,000 | $196,333 | $400,000 | $96,666 | $216,000 |
| Not applicable | 4 | $2,048,000 | $512,000 | $1,000,000 | $203,000 | $360,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,677 | $898,338,000 | $172,675 | $1,440,000 | $108,275 | $1,860,000 |
| FHA-insured (Federal Housing Administration) | 2 | $313,000 | $156,500 | $275,000 | $104,500 | $122,000 |
| 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 | 2,826 | $424,997,000 | $188,566 | $1,440,000 | $91,833 | $1,860,000 |
| Application Withdrawn By Applicant | 1,657 | $246,427,000 | $169,941 | $1,350,000 | $111,970 | $1,464,000 |
| Application Denied By Financial Institution | 780 | $106,159,000 | $109,916 | $750,000 | $84,750 | $1,566,000 |
| Application Approved But Not Accepted | 416 | $121,068,000 | $162,363 | $1,000,000 | $103,636 | $1,764,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 302 | $41,322,000 | $105,571 | $750,000 | $80,000 | $1,566,000 |
| Debt-To-Income Ratio | 262 | $42,656,000 | $81,875 | $630,000 | $56,125 | $999,000 |
| Other | 122 | $11,131,000 | $141,333 | $405,000 | $135,555 | $621,000 |
| Collateral | 86 | $9,356,000 | $77,333 | $504,000 | $70,000 | $317,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,694,000 | $172,000 | $334,000 | $56,500 | $298,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2004 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.