Patelco Credit Union Mortgage Lending & HMDA Data, 2006
In 2006, Patelco Credit Union of Citrus Heights, CA reported 5,943 mortgage applications totaling $850.0 million, up 20% from 2005. The average application was for $143,017, and applicants reported an average income of $105,407. 55% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (1,697), Sacramento--Arden-Arcade--Roseville, CA (1,027) and San Francisco-San Mateo-Redwood City, CA (651) (applications in parentheses).
| 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 | $143,017 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $105,407 |
| Highest Applicant Income | $2,255,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Patelco Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Contra Costa, California | 986 | $ 129,077,000 | $ 130,909 | $ 116,000 |
| Sacramento, California | 739 | $ 84,114,000 | $ 113,821 | $ 89,000 |
| Alameda, California | 711 | $ 92,547,000 | $ 130,164 | $ 115,000 |
| San Mateo, California | 348 | $ 57,140,000 | $ 164,195 | $ 119,000 |
| Solano, California | 287 | $ 35,218,000 | $ 122,710 | $ 94,000 |
| San Francisco, California | 232 | $ 41,403,000 | $ 178,461 | $ 113,000 |
| Santa Clara, California | 225 | $ 37,255,000 | $ 165,577 | $ 111,000 |
| Sonoma, California | 211 | $ 21,352,000 | $ 101,194 | $ 92,000 |
| Placer, California | 195 | $ 22,439,000 | $ 115,071 | $ 98,000 |
| San Joaquin, California | 179 | $ 25,194,000 | $ 140,748 | $ 100,000 |
| Kern, California | 75 | $ 4,372,000 | $ 58,293 | $ 85,000 |
| Stanislaus, California | 74 | $ 8,072,000 | $ 109,081 | $ 93,000 |
| Marin, California | 71 | $ 8,939,000 | $ 125,901 | $ 117,000 |
| Merced, California | 70 | $ 8,134,000 | $ 116,200 | $ 81,000 |
| El Dorado, California | 63 | $ 6,832,000 | $ 108,444 | $ 107,000 |
| Cook, Illinois | 50 | $ 6,234,000 | $ 124,680 | $ 92,000 |
| Maricopa, Arizona | 49 | $ 7,206,000 | $ 147,061 | $ 93,000 |
| Los Angeles, California | 49 | $ 8,740,000 | $ 178,367 | $ 152,000 |
| Humboldt, California | 46 | $ 3,639,000 | $ 79,108 | $ 59,000 |
| Riverside, California | 41 | $ 5,213,000 | $ 127,146 | $ 152,000 |
| Napa, California | 35 | $ 5,545,000 | $ 158,428 | $ 112,000 |
| San Diego, California | 30 | $ 3,443,000 | $ 114,766 | $ 118,000 |
| Yolo, California | 30 | $ 4,288,000 | $ 142,933 | $ 87,000 |
| Clark, Nevada | 30 | $ 4,085,000 | $ 136,166 | $ 92,000 |
| Santa Cruz, California | 28 | $ 2,905,000 | $ 103,750 | $ 109,000 |
| Lake, Illinois | 25 | $ 2,158,000 | $ 86,320 | $ 144,000 |
| Butte, California | 23 | $ 1,414,000 | $ 61,478 | $ 76,000 |
| Fresno, California | 22 | $ 3,140,000 | $ 142,727 | $ 83,000 |
| San Bernardino, California | 21 | $ 3,552,000 | $ 169,142 | $ 90,000 |
| Nevada, California | 20 | $ 3,260,000 | $ 163,000 | $ 104,000 |
| Yuba, California | 17 | $ 2,543,000 | $ 149,588 | $ 91,000 |
| King, Washington | 17 | $ 3,249,000 | $ 191,117 | $ 103,000 |
| Lake, California | 16 | $ 2,377,000 | $ 148,562 | $ 62,000 |
| Orange, California | 16 | $ 1,235,000 | $ 77,187 | $ 115,000 |
| Shasta, California | 16 | $ 1,920,000 | $ 120,000 | $ 90,000 |
| Washoe, Nevada | 16 | $ 1,204,000 | $ 75,250 | $ 89,000 |
| Calaveras, California | 15 | $ 1,640,000 | $ 109,333 | $ 87,000 |
| Orange, Florida | 13 | $ 2,303,000 | $ 177,153 | $ 92,000 |
| Madera, California | 12 | $ 1,039,000 | $ 86,583 | $ 76,000 |
| Sutter, California | 12 | $ 1,280,000 | $ 106,666 | $ 78,000 |
| Broward, Florida | 12 | $ 1,322,000 | $ 110,166 | $ 86,000 |
| Clark, Washington | 11 | $ 1,334,000 | $ 121,272 | $ 96,000 |
| Monterey, California | 10 | $ 595,000 | $ 59,500 | $ 78,000 |
| Pima, Arizona | 9 | $ 932,000 | $ 103,555 | $ 90,000 |
| Tulare, California | 9 | $ 1,045,000 | $ 116,111 | $ 65,000 |
| El Paso, Colorado | 9 | $ 1,328,000 | $ 147,555 | $ 80,000 |
| Pinal, Arizona | 8 | $ 896,000 | $ 112,000 | $ 135,000 |
| Multnomah, Oregon | 8 | $ 667,000 | $ 83,375 | $ 92,000 |
| Amador, California | 7 | $ 683,000 | $ 97,571 | $ 88,000 |
| Tehama, California | 7 | $ 575,000 | $ 82,142 | $ 51,000 |
| Fulton, Georgia | 7 | $ 1,563,000 | $ 223,285 | $ 110,000 |
| Mendocino, California | 6 | $ 732,000 | $ 122,000 | $ 114,000 |
| Tuolumne, California | 6 | $ 315,000 | $ 52,500 | $ 69,000 |
| Douglas, Colorado | 6 | $ 827,000 | $ 137,833 | $ 140,000 |
| Pinellas, Florida | 6 | $ 457,000 | $ 76,166 | $ 138,000 |
| DuPage, Illinois | 6 | $ 560,000 | $ 93,333 | $ 96,000 |
| Snohomish, Washington | 6 | $ 1,160,000 | $ 193,333 | $ 128,000 |
| Mariposa, California | 5 | $ 227,000 | $ 45,400 | $ 77,000 |
| Miami-Dade, Florida | 5 | $ 480,000 | $ 96,000 | $ 70,000 |
| St. Lucie, Florida | 5 | $ 168,000 | $ 33,600 | $ 81,000 |
| Volusia, Florida | 5 | $ 589,000 | $ 117,800 | $ 63,000 |
| Honolulu, Hawaii | 5 | $ 1,432,000 | $ 286,400 | $ 180,000 |
| Dallas, Texas | 5 | $ 722,000 | $ 144,400 | $ 85,000 |
| Colusa, California | 4 | $ 297,000 | $ 74,250 | $ 121,000 |
| Plumas, California | 4 | $ 360,000 | $ 90,000 | $ 81,000 |
| San Luis Obispo, California | 4 | $ 791,000 | $ 197,750 | $ 129,000 |
| Siskiyou, California | 4 | $ 309,000 | $ 77,250 | $ 51,000 |
| Ventura, California | 4 | $ 490,000 | $ 122,500 | $ 347,000 |
| Arapahoe, Colorado | 4 | $ 220,000 | $ 55,000 | $ 132,000 |
| Pasco, Florida | 4 | $ 555,000 | $ 138,750 | $ 65,000 |
| Seminole, Florida | 4 | $ 649,000 | $ 162,250 | $ 85,000 |
| Peoria, Illinois | 4 | $ 262,000 | $ 65,500 | $ 103,000 |
| Will, Illinois | 4 | $ 189,000 | $ 47,250 | $ 84,000 |
| Spokane, Washington | 4 | $ 352,000 | $ 88,000 | $ 88,000 |
| Thurston, Washington | 4 | $ 241,000 | $ 60,250 | $ 42,000 |
| Kenosha, Wisconsin | 4 | $ 498,000 | $ 124,500 | $ 78,000 |
| Del Norte, California | 3 | $ 529,000 | $ 176,333 | $ 85,000 |
| Adams, Colorado | 3 | $ 348,000 | $ 116,000 | $ 93,000 |
| Denver, Colorado | 3 | $ 479,000 | $ 159,666 | $ 139,000 |
| Fremont, Colorado | 3 | $ 326,000 | $ 108,666 | $ 109,000 |
| Alachua, Florida | 3 | $ 362,000 | $ 120,666 | $ 121,000 |
| Clay, Florida | 3 | $ 281,000 | $ 93,666 | $ 102,000 |
| Hillsborough, Florida | 3 | $ 373,000 | $ 124,333 | $ 98,000 |
| Palm Beach, Florida | 3 | $ 680,000 | $ 226,666 | $ 90,000 |
| Polk, Florida | 3 | $ 417,000 | $ 139,000 | $ 75,000 |
| Cheshire, New Hampshire | 3 | $ 160,000 | $ 53,333 | $ 50,000 |
| Middlesex, New Jersey | 3 | $ 797,000 | $ 265,666 | $ 153,000 |
| Eddy, New Mexico | 3 | $ 120,000 | $ 40,000 | $ 29,000 |
| Clackamas, Oregon | 3 | $ 489,000 | $ 163,000 | $ 149,000 |
| Coos, Oregon | 3 | $ 144,000 | $ 48,000 | $ 46,000 |
| Josephine, Oregon | 3 | $ 419,000 | $ 139,666 | $ 48,000 |
| Bexar, Texas | 3 | $ 232,000 | $ 77,333 | $ 46,000 |
| Travis, Texas | 3 | $ 676,000 | $ 225,333 | $ 146,000 |
| Oneida, Wisconsin | 3 | $ 200,000 | $ 66,666 | $ 22,000 |
| Montgomery, Alabama | 2 | $ 400,000 | $ 200,000 | $ 148,000 |
| Mohave, Arizona | 2 | $ 306,000 | $ 153,000 | $ 104,000 |
| Lassen, California | 2 | $ 178,000 | $ 89,000 | $ 63,000 |
| San Benito, California | 2 | $ 122,000 | $ 61,000 | $ 131,000 |
| Pueblo, Colorado | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| Brevard, Florida | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Flagler, Florida | 2 | $ 134,000 | $ 67,000 | $ 120,000 |
| Nassau, Florida | 2 | $ 263,000 | $ 131,500 | $ 89,000 |
| Okaloosa, Florida | 2 | $ 186,000 | $ 93,000 | $ 866,000 |
| Boone, Illinois | 2 | $ 125,000 | $ 62,500 | $ 69,000 |
| Champaign, Illinois | 2 | $ 149,000 | $ 74,500 | $ 116,000 |
| McHenry, Illinois | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Lake, Indiana | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Wayne, Michigan | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Hennepin, Minnesota | 2 | $ 414,000 | $ 207,000 | $ 804,000 |
| Clay, Missouri | 2 | $ 385,000 | $ 192,500 | $ 212,000 |
| Bernalillo, New Mexico | 2 | $ 197,000 | $ 98,500 | $ 14,000 |
| Otero, New Mexico | 2 | $ 207,000 | $ 103,500 | $ 24,000 |
| Butler, Ohio | 2 | $ 432,000 | $ 216,000 | $ 52,000 |
| Delaware, Ohio | 2 | $ 425,000 | $ 212,500 | $ 36,000 |
| Morrow, Oregon | 2 | $ 171,000 | $ 85,500 | $ 113,000 |
| Shelby, Tennessee | 2 | $ 128,000 | $ 64,000 | $ 136,000 |
| Denton, Texas | 2 | $ 230,000 | $ 115,000 | $ 38,000 |
| Ellis, Texas | 2 | $ 80,000 | $ 40,000 | $ 24,000 |
| Harris, Texas | 2 | $ 279,000 | $ 139,500 | $ 80,000 |
| Jefferson, Texas | 2 | $ 125,000 | $ 62,500 | $ 37,000 |
| Tarrant, Texas | 2 | $ 162,000 | $ 81,000 | $ 1,193,000 |
| Williamson, Texas | 2 | $ 110,000 | $ 55,000 | $ 20,000 |
| Benton, Washington | 2 | $ 128,000 | $ 64,000 | $ 85,000 |
| St. Croix, Wisconsin | 2 | $ 460,000 | $ 230,000 | $ 61,000 |
| Fremont, Wyoming | 2 | $ 180,000 | $ 90,000 | $ 37,000 |
| Madison, Alabama | 1 | $ 56,000 | $ 56,000 | $ 101,000 |
| Mobile, Alabama | 1 | $ 230,000 | $ 230,000 | $ 156,000 |
| Cochise, Arizona | 1 | $ 81,000 | $ 81,000 | $ 67,000 |
| Coconino, Arizona | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Yavapai, Arizona | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Baxter, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Cleburne, Arkansas | 1 | $ 139,000 | $ 139,000 | $ 52,000 |
| Perry, Arkansas | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
| Alpine, California | 1 | $ 223,000 | $ 223,000 | $ 104,000 |
| Glenn, California | 1 | $ 60,000 | $ 60,000 | $ 85,000 |
| Inyo, California | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Kings, California | 1 | $ 312,000 | $ 312,000 | $ 110,000 |
| Modoc, California | 1 | $ 12,000 | $ 12,000 | $ 29,000 |
| Mono, California | 1 | $ 50,000 | $ 50,000 | $ 192,000 |
| Santa Barbara, California | 1 | $ 215,000 | $ 215,000 | $ 142,000 |
| Jefferson, Colorado | 1 | $ 28,000 | $ 28,000 | $ 189,000 |
| La Plata, Colorado | 1 | $ 60,000 | $ 60,000 | $ 47,000 |
| Montezuma, Colorado | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Summit, Colorado | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Weld, Colorado | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Charlotte, Florida | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Collier, Florida | 1 | $ 200,000 | $ 200,000 | $ 232,000 |
| Dixie, Florida | 1 | $ 59,000 | $ 59,000 | $ 123,000 |
| Duval, Florida | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Escambia, Florida | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Hernando, Florida | 1 | $ 301,000 | $ 301,000 | $ 175,000 |
| Lee, Florida | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Leon, Florida | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Okeechobee, Florida | 1 | $ 22,000 | $ 22,000 | $ 49,000 |
| Sumter, Florida | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Cobb, Georgia | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| DeKalb, Georgia | 1 | $ 392,000 | $ 392,000 | $ 98,000 |
| Gwinnett, Georgia | 1 | $ 184,000 | $ 184,000 | $ 36,000 |
| Twin Falls, Idaho | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Franklin, Illinois | 1 | $ 33,000 | $ 33,000 | $ 12,000 |
| Fulton, Illinois | 1 | $ 79,000 | $ 79,000 | $ 20,000 |
| Jefferson, Illinois | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Kane, Illinois | 1 | $ 43,000 | $ 43,000 | $ 109,000 |
| Kendall, Illinois | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Sangamon, Illinois | 1 | $ 9,000 | $ 9,000 | $ 26,000 |
| Tazewell, Illinois | 1 | $ 47,000 | $ 47,000 | $ 60,000 |
| Vermilion, Illinois | 1 | $ 29,000 | $ 29,000 | $ 34,000 |
| Winnebago, Illinois | 1 | $ 38,000 | $ 38,000 | $ 19,000 |
| Woodford, Illinois | 1 | $ 30,000 | $ 30,000 | $ 86,000 |
| Warren, Indiana | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Scott, Iowa | 1 | $ 80,000 | $ 80,000 | $ 93,000 |
| Livingston, Louisiana | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Orleans, Louisiana | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Montgomery, Maryland | 1 | $ 40,000 | $ 40,000 | $ 30,000 |
| Middlesex, Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 125,000 |
| Suffolk, Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 49,000 |
| Cass, Michigan | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Kent, Michigan | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Mercer, Missouri | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Lancaster, Nebraska | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Morris, New Jersey | 1 | $ 390,000 | $ 390,000 | $ 109,000 |
| Santa Fe, New Mexico | 1 | $ 43,000 | $ 43,000 | $ 150,000 |
| Monroe, New York | 1 | $ 209,000 | $ 209,000 | $ 84,000 |
| New York, New York | 1 | $ 748,000 | $ 748,000 | $ 381,000 |
| Richmond, New York | 1 | $ 337,000 | $ 337,000 | $ 99,000 |
| Mecklenburg, North Carolina | 1 | $ 267,000 | $ 267,000 | $ 65,000 |
| Stokes, North Carolina | 1 | $ 142,000 | $ 142,000 | $ 83,000 |
| Wake, North Carolina | 1 | $ 226,000 | $ 226,000 | $ 176,000 |
| Cuyahoga, Ohio | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Fairfield, Ohio | 1 | $ 29,000 | $ 29,000 | $ 18,000 |
| Hamilton, Ohio | 1 | $ 20,000 | $ 20,000 | $ 81,000 |
| Lucas, Ohio | 1 | $ 126,000 | $ 126,000 | $ 88,000 |
| Canadian, Oklahoma | 1 | $ 143,000 | $ 143,000 | $ 100,000 |
| Oklahoma, Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 317,000 |
| Tulsa, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Lincoln, Oregon | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Umatilla, Oregon | 1 | $ 14,000 | $ 14,000 | $ 159,000 |
| Washington, Oregon | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Adams, Pennsylvania | 1 | $ 317,000 | $ 317,000 | $ 77,000 |
| Allegheny, Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 104,000 |
| Dauphin, Pennsylvania | 1 | $ 310,000 | $ 310,000 | $ 125,000 |
| Delaware, Pennsylvania | 1 | $ 126,000 | $ 126,000 | $ 51,000 |
| Horry, South Carolina | 1 | $ 138,000 | $ 138,000 | $ 49,000 |
| Knox, Tennessee | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Fannin, Texas | 1 | $ 50,000 | $ 50,000 | $ 52,000 |
| Montgomery, Texas | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Nacogdoches, Texas | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Waller, Texas | 1 | $ 178,000 | $ 178,000 | $ 62,000 |
| Wasatch, Utah | 1 | $ 170,000 | $ 170,000 | $ 59,000 |
| Washington, Utah | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Loudoun, Virginia | 1 | $ 276,000 | $ 276,000 | $ 76,000 |
| Prince William, Virginia | 1 | $ 5,000 | $ 5,000 | $ 124,000 |
| Stafford, Virginia | 1 | $ 5,000 | $ 5,000 | $ 78,000 |
| Kitsap, Washington | 1 | $ 60,000 | $ 60,000 | $ 234,000 |
| Klickitat, Washington | 1 | $ 238,000 | $ 238,000 | $ 62,000 |
| San Juan, Washington | 1 | $ 40,000 | $ 40,000 | $ 52,000 |
| Whatcom, Washington | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Milwaukee, Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Racine, 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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