Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Patelco Credit Union 2006 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 Citrus Heights, CA 95610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 5,943 |
| Total Mortgage Loan Application Amount | $849,954,000 |
| Average Mortgage Loan Application Amount | $218,666 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $2,255,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 986 | $ 129,077,000 | $ 130,000 | $ 116,000 |
| Sacramento County California | 739 | $ 84,114,000 | $ 113,000 | $ 89,000 |
| Alameda County California | 711 | $ 92,547,000 | $ 130,000 | $ 115,000 |
| San Mateo County California | 348 | $ 57,140,000 | $ 164,000 | $ 119,000 |
| Solano County California | 287 | $ 35,218,000 | $ 122,000 | $ 94,000 |
| San Francisco County California | 232 | $ 41,403,000 | $ 178,000 | $ 113,000 |
| Santa Clara County California | 225 | $ 37,255,000 | $ 165,000 | $ 111,000 |
| Sonoma County California | 211 | $ 21,352,000 | $ 101,000 | $ 92,000 |
| Placer County California | 195 | $ 22,439,000 | $ 115,000 | $ 98,000 |
| San Joaquin County California | 179 | $ 25,194,000 | $ 140,000 | $ 100,000 |
| Kern County California | 75 | $ 4,372,000 | $ 58,000 | $ 85,000 |
| Stanislaus County California | 74 | $ 8,072,000 | $ 109,000 | $ 93,000 |
| Marin County California | 71 | $ 8,939,000 | $ 125,000 | $ 117,000 |
| Merced County California | 70 | $ 8,134,000 | $ 116,000 | $ 81,000 |
| El Dorado County California | 63 | $ 6,832,000 | $ 108,000 | $ 107,000 |
| Cook County Illinois | 50 | $ 6,234,000 | $ 124,000 | $ 92,000 |
| Maricopa County Arizona | 49 | $ 7,206,000 | $ 147,000 | $ 93,000 |
| Los Angeles County California | 49 | $ 8,740,000 | $ 178,000 | $ 152,000 |
| Humboldt County California | 46 | $ 3,639,000 | $ 79,000 | $ 59,000 |
| Riverside County California | 41 | $ 5,213,000 | $ 127,000 | $ 152,000 |
| Napa County California | 35 | $ 5,545,000 | $ 158,000 | $ 112,000 |
| San Diego County California | 30 | $ 3,443,000 | $ 114,000 | $ 118,000 |
| Yolo County California | 30 | $ 4,288,000 | $ 142,000 | $ 87,000 |
| Clark County Nevada | 30 | $ 4,085,000 | $ 136,000 | $ 92,000 |
| Santa Cruz County California | 28 | $ 2,905,000 | $ 103,000 | $ 109,000 |
| Lake County Illinois | 25 | $ 2,158,000 | $ 86,000 | $ 144,000 |
| Butte County California | 23 | $ 1,414,000 | $ 61,000 | $ 76,000 |
| Fresno County California | 22 | $ 3,140,000 | $ 142,000 | $ 83,000 |
| San Bernardino County California | 21 | $ 3,552,000 | $ 169,000 | $ 90,000 |
| Nevada County California | 20 | $ 3,260,000 | $ 163,000 | $ 104,000 |
| Yuba County California | 17 | $ 2,543,000 | $ 149,000 | $ 91,000 |
| King County Washington | 17 | $ 3,249,000 | $ 191,000 | $ 103,000 |
| Lake County California | 16 | $ 2,377,000 | $ 148,000 | $ 62,000 |
| Orange County California | 16 | $ 1,235,000 | $ 77,000 | $ 115,000 |
| Shasta County California | 16 | $ 1,920,000 | $ 120,000 | $ 90,000 |
| Washoe County Nevada | 16 | $ 1,204,000 | $ 75,000 | $ 89,000 |
| Calaveras County California | 15 | $ 1,640,000 | $ 109,000 | $ 87,000 |
| Orange County Florida | 13 | $ 2,303,000 | $ 177,000 | $ 92,000 |
| Madera County California | 12 | $ 1,039,000 | $ 86,000 | $ 76,000 |
| Sutter County California | 12 | $ 1,280,000 | $ 106,000 | $ 78,000 |
| Broward County Florida | 12 | $ 1,322,000 | $ 110,000 | $ 86,000 |
| Clark County Washington | 11 | $ 1,334,000 | $ 121,000 | $ 96,000 |
| Monterey County California | 10 | $ 595,000 | $ 59,000 | $ 78,000 |
| Pima County Arizona | 9 | $ 932,000 | $ 103,000 | $ 90,000 |
| Tulare County California | 9 | $ 1,045,000 | $ 116,000 | $ 65,000 |
| El Paso County Colorado | 9 | $ 1,328,000 | $ 147,000 | $ 80,000 |
| Pinal County Arizona | 8 | $ 896,000 | $ 112,000 | $ 135,000 |
| Multnomah County Oregon | 8 | $ 667,000 | $ 83,000 | $ 92,000 |
| Amador County California | 7 | $ 683,000 | $ 97,000 | $ 88,000 |
| Tehama County California | 7 | $ 575,000 | $ 82,000 | $ 51,000 |
| Fulton County Georgia | 7 | $ 1,563,000 | $ 223,000 | $ 110,000 |
| Mendocino County California | 6 | $ 732,000 | $ 122,000 | $ 114,000 |
| Tuolumne County California | 6 | $ 315,000 | $ 52,000 | $ 69,000 |
| Douglas County Colorado | 6 | $ 827,000 | $ 137,000 | $ 140,000 |
| Pinellas County Florida | 6 | $ 457,000 | $ 76,000 | $ 138,000 |
| DuPage County Illinois | 6 | $ 560,000 | $ 93,000 | $ 96,000 |
| Snohomish County Washington | 6 | $ 1,160,000 | $ 193,000 | $ 128,000 |
| Mariposa County California | 5 | $ 227,000 | $ 45,000 | $ 77,000 |
| Miami-Dade County Florida | 5 | $ 480,000 | $ 96,000 | $ 70,000 |
| St. Lucie County Florida | 5 | $ 168,000 | $ 33,000 | $ 81,000 |
| Volusia County Florida | 5 | $ 589,000 | $ 117,000 | $ 63,000 |
| Honolulu County Hawaii | 5 | $ 1,432,000 | $ 286,000 | $ 180,000 |
| Dallas County Texas | 5 | $ 722,000 | $ 144,000 | $ 85,000 |
| Colusa County California | 4 | $ 297,000 | $ 74,000 | $ 121,000 |
| Plumas County California | 4 | $ 360,000 | $ 90,000 | $ 81,000 |
| San Luis Obispo County California | 4 | $ 791,000 | $ 197,000 | $ 129,000 |
| Siskiyou County California | 4 | $ 309,000 | $ 77,000 | $ 51,000 |
| Ventura County California | 4 | $ 490,000 | $ 122,000 | $ 347,000 |
| Arapahoe County Colorado | 4 | $ 220,000 | $ 55,000 | $ 132,000 |
| Pasco County Florida | 4 | $ 555,000 | $ 138,000 | $ 65,000 |
| Seminole County Florida | 4 | $ 649,000 | $ 162,000 | $ 85,000 |
| Peoria County Illinois | 4 | $ 262,000 | $ 65,000 | $ 103,000 |
| Will County Illinois | 4 | $ 189,000 | $ 47,000 | $ 84,000 |
| Spokane County Washington | 4 | $ 352,000 | $ 88,000 | $ 88,000 |
| Thurston County Washington | 4 | $ 241,000 | $ 60,000 | $ 42,000 |
| Kenosha County Wisconsin | 4 | $ 498,000 | $ 124,000 | $ 78,000 |
| Del Norte County California | 3 | $ 529,000 | $ 176,000 | $ 85,000 |
| Adams County Colorado | 3 | $ 348,000 | $ 116,000 | $ 93,000 |
| Denver County Colorado | 3 | $ 479,000 | $ 159,000 | $ 139,000 |
| Fremont County Colorado | 3 | $ 326,000 | $ 108,000 | $ 109,000 |
| Alachua County Florida | 3 | $ 362,000 | $ 120,000 | $ 121,000 |
| Clay County Florida | 3 | $ 281,000 | $ 93,000 | $ 102,000 |
| Hillsborough County Florida | 3 | $ 373,000 | $ 124,000 | $ 98,000 |
| Palm Beach County Florida | 3 | $ 680,000 | $ 226,000 | $ 90,000 |
| Polk County Florida | 3 | $ 417,000 | $ 139,000 | $ 75,000 |
| Cheshire County New Hampshire | 3 | $ 160,000 | $ 53,000 | $ 50,000 |
| Middlesex County New Jersey | 3 | $ 797,000 | $ 265,000 | $ 153,000 |
| Eddy County New Mexico | 3 | $ 120,000 | $ 40,000 | $ 29,000 |
| Clackamas County Oregon | 3 | $ 489,000 | $ 163,000 | $ 149,000 |
| Coos County Oregon | 3 | $ 144,000 | $ 48,000 | $ 46,000 |
| Josephine County Oregon | 3 | $ 419,000 | $ 139,000 | $ 48,000 |
| Bexar County Texas | 3 | $ 232,000 | $ 77,000 | $ 46,000 |
| Travis County Texas | 3 | $ 676,000 | $ 225,000 | $ 146,000 |
| Oneida County Wisconsin | 3 | $ 200,000 | $ 66,000 | $ 22,000 |
| Montgomery County Alabama | 2 | $ 400,000 | $ 200,000 | $ 148,000 |
| Mohave County Arizona | 2 | $ 306,000 | $ 153,000 | $ 104,000 |
| Lassen County California | 2 | $ 178,000 | $ 89,000 | $ 63,000 |
| San Benito County California | 2 | $ 122,000 | $ 61,000 | $ 131,000 |
| Pueblo County Colorado | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| Brevard County Florida | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Flagler County Florida | 2 | $ 134,000 | $ 67,000 | $ 120,000 |
| Nassau County Florida | 2 | $ 263,000 | $ 131,000 | $ 89,000 |
| Okaloosa County Florida | 2 | $ 186,000 | $ 93,000 | $ 866,000 |
| Boone County Illinois | 2 | $ 125,000 | $ 62,000 | $ 69,000 |
| Champaign County Illinois | 2 | $ 149,000 | $ 74,000 | $ 116,000 |
| McHenry County Illinois | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Lake County Indiana | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Wayne County Michigan | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Hennepin County Minnesota | 2 | $ 414,000 | $ 207,000 | $ 804,000 |
| Clay County Missouri | 2 | $ 385,000 | $ 192,000 | $ 212,000 |
| Bernalillo County New Mexico | 2 | $ 197,000 | $ 98,000 | $ 14,000 |
| Otero County New Mexico | 2 | $ 207,000 | $ 103,000 | $ 24,000 |
| Butler County Ohio | 2 | $ 432,000 | $ 216,000 | $ 52,000 |
| Delaware County Ohio | 2 | $ 425,000 | $ 212,000 | $ 36,000 |
| Morrow County Oregon | 2 | $ 171,000 | $ 85,000 | $ 113,000 |
| Shelby County Tennessee | 2 | $ 128,000 | $ 64,000 | $ 136,000 |
| Denton County Texas | 2 | $ 230,000 | $ 115,000 | $ 38,000 |
| Ellis County Texas | 2 | $ 80,000 | $ 40,000 | $ 24,000 |
| Harris County Texas | 2 | $ 279,000 | $ 139,000 | $ 80,000 |
| Jefferson County Texas | 2 | $ 125,000 | $ 62,000 | $ 37,000 |
| Tarrant County Texas | 2 | $ 162,000 | $ 81,000 | $ 1,193,000 |
| Williamson County Texas | 2 | $ 110,000 | $ 55,000 | $ 20,000 |
| Benton County Washington | 2 | $ 128,000 | $ 64,000 | $ 85,000 |
| St. Croix County Wisconsin | 2 | $ 460,000 | $ 230,000 | $ 61,000 |
| Fremont County Wyoming | 2 | $ 180,000 | $ 90,000 | $ 37,000 |
| Madison County Alabama | 1 | $ 56,000 | $ 56,000 | $ 101,000 |
| Mobile County Alabama | 1 | $ 230,000 | $ 230,000 | $ 156,000 |
| Cochise County Arizona | 1 | $ 81,000 | $ 81,000 | $ 67,000 |
| Coconino County Arizona | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Yavapai County Arizona | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Baxter County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Cleburne County Arkansas | 1 | $ 139,000 | $ 139,000 | $ 52,000 |
| Perry County Arkansas | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
| Alpine County California | 1 | $ 223,000 | $ 223,000 | $ 104,000 |
| Glenn County California | 1 | $ 60,000 | $ 60,000 | $ 85,000 |
| Inyo County California | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Kings County California | 1 | $ 312,000 | $ 312,000 | $ 110,000 |
| Modoc County California | 1 | $ 12,000 | $ 12,000 | $ 29,000 |
| Mono County California | 1 | $ 50,000 | $ 50,000 | $ 192,000 |
| Santa Barbara County California | 1 | $ 215,000 | $ 215,000 | $ 142,000 |
| Jefferson County Colorado | 1 | $ 28,000 | $ 28,000 | $ 189,000 |
| La Plata County Colorado | 1 | $ 60,000 | $ 60,000 | $ 47,000 |
| Montezuma County Colorado | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Summit County Colorado | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Weld County Colorado | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Charlotte County Florida | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Collier County Florida | 1 | $ 200,000 | $ 200,000 | $ 232,000 |
| Dixie County Florida | 1 | $ 59,000 | $ 59,000 | $ 123,000 |
| Duval County Florida | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Escambia County Florida | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Hernando County Florida | 1 | $ 301,000 | $ 301,000 | $ 175,000 |
| Lee County Florida | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Leon County Florida | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Okeechobee County Florida | 1 | $ 22,000 | $ 22,000 | $ 49,000 |
| Sumter County Florida | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Cobb County Georgia | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| DeKalb County Georgia | 1 | $ 392,000 | $ 392,000 | $ 98,000 |
| Gwinnett County Georgia | 1 | $ 184,000 | $ 184,000 | $ 36,000 |
| Twin Falls County Idaho | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Franklin County Illinois | 1 | $ 33,000 | $ 33,000 | $ 12,000 |
| Fulton County Illinois | 1 | $ 79,000 | $ 79,000 | $ 20,000 |
| Jefferson County Illinois | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Kane County Illinois | 1 | $ 43,000 | $ 43,000 | $ 109,000 |
| Kendall County Illinois | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Sangamon County Illinois | 1 | $ 9,000 | $ 9,000 | $ 26,000 |
| Tazewell County Illinois | 1 | $ 47,000 | $ 47,000 | $ 60,000 |
| Vermilion County Illinois | 1 | $ 29,000 | $ 29,000 | $ 34,000 |
| Winnebago County Illinois | 1 | $ 38,000 | $ 38,000 | $ 19,000 |
| Woodford County Illinois | 1 | $ 30,000 | $ 30,000 | $ 86,000 |
| Warren County Indiana | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Scott County Iowa | 1 | $ 80,000 | $ 80,000 | $ 93,000 |
| Livingston County Louisiana | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Orleans County Louisiana | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Montgomery County Maryland | 1 | $ 40,000 | $ 40,000 | $ 30,000 |
| Middlesex County Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 125,000 |
| Suffolk County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 49,000 |
| Cass County Michigan | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Kent County Michigan | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Mercer County Missouri | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Lancaster County Nebraska | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Morris County New Jersey | 1 | $ 390,000 | $ 390,000 | $ 109,000 |
| Santa Fe County New Mexico | 1 | $ 43,000 | $ 43,000 | $ 150,000 |
| Monroe County New York | 1 | $ 209,000 | $ 209,000 | $ 84,000 |
| New York County New York | 1 | $ 748,000 | $ 748,000 | $ 381,000 |
| Richmond County New York | 1 | $ 337,000 | $ 337,000 | $ 99,000 |
| Mecklenburg County North Carolina | 1 | $ 267,000 | $ 267,000 | $ 65,000 |
| Stokes County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 83,000 |
| Wake County North Carolina | 1 | $ 226,000 | $ 226,000 | $ 176,000 |
| Cuyahoga County Ohio | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Fairfield County Ohio | 1 | $ 29,000 | $ 29,000 | $ 18,000 |
| Hamilton County Ohio | 1 | $ 20,000 | $ 20,000 | $ 81,000 |
| Lucas County Ohio | 1 | $ 126,000 | $ 126,000 | $ 88,000 |
| Canadian County Oklahoma | 1 | $ 143,000 | $ 143,000 | $ 100,000 |
| Oklahoma County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 317,000 |
| Tulsa County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Lincoln County Oregon | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Umatilla County Oregon | 1 | $ 14,000 | $ 14,000 | $ 159,000 |
| Washington County Oregon | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Adams County Pennsylvania | 1 | $ 317,000 | $ 317,000 | $ 77,000 |
| Allegheny County Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 104,000 |
| Dauphin County Pennsylvania | 1 | $ 310,000 | $ 310,000 | $ 125,000 |
| Delaware County Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 51,000 |
| Horry County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 49,000 |
| Knox County Tennessee | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Fannin County Texas | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Montgomery County Texas | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Nacogdoches County Texas | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Waller County Texas | 1 | $ 178,000 | $ 178,000 | $ 62,000 |
| Wasatch County Utah | 1 | $ 170,000 | $ 170,000 | $ 59,000 |
| Washington County Utah | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Loudoun County Virginia | 1 | $ 276,000 | $ 276,000 | $ 76,000 |
| Prince William County Virginia | 1 | $ 5,000 | $ 5,000 | $ 124,000 |
| Stafford County Virginia | 1 | $ 5,000 | $ 5,000 | $ 78,000 |
| Kitsap County Washington | 1 | $ 60,000 | $ 60,000 | $ 234,000 |
| Klickitat County Washington | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| San Juan County Washington | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Whatcom County Washington | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Milwaukee County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Racine County Wisconsin | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2006
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 | 3,871 | $246,096,000 | $63,000 | $618,000 | $103,000 | $1,926,000 |
| Refinancing | 1,277 | $348,203,000 | $272,000 | $1,500,000 | $103,000 | $1,606,000 |
| Home Purchase | 795 | $255,655,000 | $321,000 | $1,500,000 | $121,000 | $2,255,000 |
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 | 3,168 | $453,741,000 | $143,000 | $1,500,000 | $100,000 | $1,824,000 |
| White | 1,353 | $178,254,000 | $131,000 | $1,500,000 | $118,000 | $2,255,000 |
| Asian | 503 | $83,773,000 | $166,000 | $1,120,000 | $123,000 | $1,677,000 |
| Hispanic | 494 | $69,359,000 | $140,000 | $769,000 | $94,000 | $1,040,000 |
| Black or African American | 295 | $47,444,000 | $160,000 | $776,000 | $93,000 | $1,315,000 |
| Native Hawaiian or Other Pacific Islander | 92 | $12,562,000 | $136,000 | $620,000 | $115,000 | $1,747,000 |
| American Indian or Alaskan Native | 38 | $4,821,000 | $126,000 | $710,000 | $72,000 | $164,000 |
| 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) | 5,943 | $849,954,000 | $143,000 | $1,500,000 | $105,000 | $2,255,000 |
| 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 | 3,271 | $363,578,000 | $111,000 | $1,500,000 | $106,000 | $1,926,000 |
| Application Denied By Financial Institution | 949 | $140,663,000 | $148,000 | $1,500,000 | $92,000 | $1,747,000 |
| Application Withdrawn By Applicant | 881 | $116,005,000 | $131,000 | $1,500,000 | $106,000 | $1,740,000 |
| File Closed For Incompleteness | 339 | $80,881,000 | $238,000 | $995,000 | $109,000 | $1,806,000 |
| Application Approved But Not Accepted | 286 | $71,835,000 | $251,000 | $824,000 | $109,000 | $2,255,000 |
| Preapproval Approved but not Accepted | 212 | $74,750,000 | $352,000 | $1,120,000 | $151,000 | $1,701,000 |
| Preapproval Denied by Financial Institution | 5 | $2,242,000 | $448,000 | $868,000 | $101,000 | $157,000 |
| 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 | 367 | $66,011,000 | $179,000 | $1,500,000 | $71,000 | $298,000 |
| Credit History | 245 | $35,647,000 | $145,000 | $760,000 | $91,000 | $1,315,000 |
| Collateral | 128 | $13,573,000 | $106,000 | $920,000 | $129,000 | $1,747,000 |
| Other | 35 | $4,790,000 | $136,000 | $556,000 | $93,000 | $341,000 |
| Unverifiable Information | 10 | $772,000 | $77,000 | $200,000 | $83,000 | $156,000 |
| Credit Application Incomplete | 4 | $464,000 | $116,000 | $250,000 | $120,000 | $219,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2006 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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