Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Patelco Credit Union 2007 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 | 5,172 |
| Total Mortgage Loan Application Amount | $921,655,000 |
| Average Mortgage Loan Application Amount | $241,000 |
| Highest Mortgage Loan Application Amount | $1,740,000 |
| Average Applicant Income | $109,666 |
| Highest Applicant Income | $1,202,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 885 | $ 150,975,000 | $ 170,000 | $ 121,000 |
| Alameda County California | 741 | $ 125,062,000 | $ 168,000 | $ 112,000 |
| Sacramento County California | 516 | $ 68,069,000 | $ 131,000 | $ 90,000 |
| San Mateo County California | 317 | $ 76,648,000 | $ 241,000 | $ 128,000 |
| Solano County California | 248 | $ 39,080,000 | $ 157,000 | $ 106,000 |
| Sonoma County California | 218 | $ 29,021,000 | $ 133,000 | $ 102,000 |
| Santa Clara County California | 189 | $ 33,471,000 | $ 177,000 | $ 123,000 |
| San Francisco County California | 172 | $ 45,012,000 | $ 261,000 | $ 126,000 |
| Placer County California | 145 | $ 19,108,000 | $ 131,000 | $ 114,000 |
| San Joaquin County California | 109 | $ 18,225,000 | $ 167,000 | $ 97,000 |
| Marin County California | 77 | $ 16,537,000 | $ 214,000 | $ 147,000 |
| Kern County California | 63 | $ 6,094,000 | $ 96,000 | $ 86,000 |
| El Dorado County California | 56 | $ 10,474,000 | $ 187,000 | $ 115,000 |
| Maricopa County Arizona | 49 | $ 6,575,000 | $ 134,000 | $ 100,000 |
| Los Angeles County California | 47 | $ 10,866,000 | $ 231,000 | $ 130,000 |
| Stanislaus County California | 47 | $ 7,733,000 | $ 164,000 | $ 98,000 |
| Cook County Illinois | 47 | $ 4,917,000 | $ 104,000 | $ 92,000 |
| Santa Cruz County California | 46 | $ 5,116,000 | $ 111,000 | $ 114,000 |
| Riverside County California | 37 | $ 5,914,000 | $ 159,000 | $ 130,000 |
| Merced County California | 33 | $ 5,369,000 | $ 162,000 | $ 80,000 |
| Humboldt County California | 30 | $ 2,731,000 | $ 91,000 | $ 73,000 |
| Clark County Nevada | 30 | $ 4,750,000 | $ 158,000 | $ 127,000 |
| Fresno County California | 27 | $ 3,830,000 | $ 141,000 | $ 85,000 |
| Napa County California | 27 | $ 5,704,000 | $ 211,000 | $ 120,000 |
| Lake County Illinois | 25 | $ 3,843,000 | $ 153,000 | $ 130,000 |
| San Diego County California | 21 | $ 6,686,000 | $ 318,000 | $ 168,000 |
| Yolo County California | 19 | $ 3,322,000 | $ 174,000 | $ 109,000 |
| Orange County Florida | 18 | $ 2,528,000 | $ 140,000 | $ 79,000 |
| Butte County California | 17 | $ 2,388,000 | $ 140,000 | $ 69,000 |
| Nevada County California | 17 | $ 2,012,000 | $ 118,000 | $ 112,000 |
| Orange County California | 16 | $ 3,231,000 | $ 201,000 | $ 175,000 |
| Calaveras County California | 14 | $ 1,007,000 | $ 71,000 | $ 129,000 |
| San Bernardino County California | 13 | $ 2,654,000 | $ 204,000 | $ 131,000 |
| Washoe County Nevada | 13 | $ 1,594,000 | $ 122,000 | $ 98,000 |
| Lake County California | 12 | $ 1,696,000 | $ 141,000 | $ 133,000 |
| DuPage County Illinois | 12 | $ 1,409,000 | $ 117,000 | $ 123,000 |
| Shasta County California | 11 | $ 1,214,000 | $ 110,000 | $ 78,000 |
| Palm Beach County Florida | 11 | $ 2,272,000 | $ 206,000 | $ 90,000 |
| Madera County California | 10 | $ 1,511,000 | $ 151,000 | $ 97,000 |
| Hillsborough County Florida | 9 | $ 843,000 | $ 93,000 | $ 93,000 |
| Amador County California | 8 | $ 436,000 | $ 54,000 | $ 87,000 |
| Monterey County California | 8 | $ 1,250,000 | $ 156,000 | $ 152,000 |
| Yuba County California | 8 | $ 1,434,000 | $ 179,000 | $ 100,000 |
| St. Lucie County Florida | 8 | $ 877,000 | $ 109,000 | $ 75,000 |
| Multnomah County Oregon | 8 | $ 1,116,000 | $ 139,000 | $ 137,000 |
| Mendocino County California | 7 | $ 707,000 | $ 101,000 | $ 130,000 |
| Broward County Florida | 7 | $ 851,000 | $ 121,000 | $ 117,000 |
| Pinellas County Florida | 7 | $ 769,000 | $ 109,000 | $ 98,000 |
| San Luis Obispo County California | 6 | $ 393,000 | $ 65,000 | $ 96,000 |
| Miami-Dade County Florida | 6 | $ 255,000 | $ 42,000 | $ 101,000 |
| Middlesex County New Jersey | 6 | $ 1,226,000 | $ 204,000 | $ 99,000 |
| Dallas County Texas | 6 | $ 887,000 | $ 147,000 | $ 102,000 |
| Mariposa County California | 5 | $ 538,000 | $ 107,000 | $ 75,000 |
| Sutter County California | 5 | $ 687,000 | $ 137,000 | $ 94,000 |
| Harris County Texas | 5 | $ 492,000 | $ 98,000 | $ 85,000 |
| Clark County Washington | 5 | $ 230,000 | $ 46,000 | $ 99,000 |
| King County Washington | 5 | $ 1,524,000 | $ 304,000 | $ 135,000 |
| Snohomish County Washington | 5 | $ 1,918,000 | $ 383,000 | $ 178,000 |
| Pima County Arizona | 4 | $ 446,000 | $ 111,000 | $ 74,000 |
| Santa Barbara County California | 4 | $ 367,000 | $ 91,000 | $ 161,000 |
| Siskiyou County California | 4 | $ 467,000 | $ 116,000 | $ 72,000 |
| Ventura County California | 4 | $ 667,000 | $ 166,000 | $ 197,000 |
| Colusa County California | 3 | $ 671,000 | $ 223,000 | $ 69,000 |
| Del Norte County California | 3 | $ 674,000 | $ 224,000 | $ 85,000 |
| Glenn County California | 3 | $ 400,000 | $ 133,000 | $ 98,000 |
| San Benito County California | 3 | $ 1,218,000 | $ 406,000 | $ 194,000 |
| Tulare County California | 3 | $ 177,000 | $ 59,000 | $ 70,000 |
| Tuolumne County California | 3 | $ 311,000 | $ 103,000 | $ 101,000 |
| Douglas County Colorado | 3 | $ 255,000 | $ 85,000 | $ 160,000 |
| Clay County Florida | 3 | $ 212,000 | $ 70,000 | $ 66,000 |
| Collier County Florida | 3 | $ 757,000 | $ 252,000 | $ 157,000 |
| Lake County Florida | 3 | $ 285,000 | $ 95,000 | $ 64,000 |
| Pasco County Florida | 3 | $ 239,000 | $ 79,000 | $ 86,000 |
| Polk County Florida | 3 | $ 427,000 | $ 142,000 | $ 44,000 |
| Volusia County Florida | 3 | $ 213,000 | $ 71,000 | $ 128,000 |
| Peoria County Illinois | 3 | $ 94,000 | $ 31,000 | $ 70,000 |
| Tazewell County Illinois | 3 | $ 241,000 | $ 80,000 | $ 85,000 |
| Vermilion County Illinois | 3 | $ 432,000 | $ 144,000 | $ 127,000 |
| Wayne County Michigan | 3 | $ 705,000 | $ 235,000 | $ 155,000 |
| Missoula County Montana | 3 | $ 341,000 | $ 113,000 | $ 103,000 |
| Lane County Oregon | 3 | $ 183,000 | $ 61,000 | $ 118,000 |
| Shelby County Tennessee | 3 | $ 374,000 | $ 124,000 | $ 101,000 |
| Fort Bend County Texas | 3 | $ 347,000 | $ 115,000 | $ 55,000 |
| Tarrant County Texas | 3 | $ 627,000 | $ 209,000 | $ 81,000 |
| Kitsap County Washington | 3 | $ 566,000 | $ 188,000 | $ 141,000 |
| Kings County California | 2 | $ 70,000 | $ 35,000 | $ 128,000 |
| Plumas County California | 2 | $ 375,000 | $ 187,000 | $ 83,000 |
| Sierra County California | 2 | $ 20,000 | $ 10,000 | $ 62,000 |
| Tehama County California | 2 | $ 35,000 | $ 17,000 | $ 59,000 |
| Adams County Colorado | 2 | $ 105,000 | $ 52,000 | $ 115,000 |
| Boulder County Colorado | 2 | $ 45,000 | $ 22,000 | $ 92,000 |
| Fremont County Colorado | 2 | $ 153,000 | $ 76,000 | $ 65,000 |
| Brevard County Florida | 2 | $ 571,000 | $ 285,000 | $ 183,000 |
| Lee County Florida | 2 | $ 236,000 | $ 118,000 | $ 47,000 |
| Osceola County Florida | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Gwinnett County Georgia | 2 | $ 312,000 | $ 156,000 | $ 85,000 |
| Jefferson County Illinois | 2 | $ 80,000 | $ 40,000 | $ 36,000 |
| Will County Illinois | 2 | $ 339,000 | $ 169,000 | $ 105,000 |
| Woodford County Illinois | 2 | $ 300,000 | $ 150,000 | $ 40,000 |
| Grant County Indiana | 2 | $ 139,000 | $ 69,000 | $ 46,000 |
| Hamilton County Indiana | 2 | $ 389,000 | $ 194,000 | $ 90,000 |
| Marion County Indiana | 2 | $ 304,000 | $ 152,000 | $ 40,000 |
| Johnson County Kansas | 2 | $ 319,000 | $ 159,000 | $ 107,000 |
| Wyandotte County Kansas | 2 | $ 124,000 | $ 62,000 | $ 61,000 |
| Fayette County Kentucky | 2 | $ 252,000 | $ 126,000 | $ 111,000 |
| Montgomery County Maryland | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Middlesex County Massachusetts | 2 | $ 268,000 | $ 134,000 | $ 144,000 |
| Oakland County Michigan | 2 | $ 414,000 | $ 207,000 | $ 122,000 |
| DeSoto County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Lancaster County Nebraska | 2 | $ 179,000 | $ 89,000 | $ 70,000 |
| Douglas County Nevada | 2 | $ 614,000 | $ 307,000 | $ 92,000 |
| Lyon County Nevada | 2 | $ 391,000 | $ 195,000 | $ 88,000 |
| Niagara County New York | 2 | $ 160,000 | $ 80,000 | $ 58,000 |
| Queens County New York | 2 | $ 489,000 | $ 244,000 | $ 86,000 |
| Gaston County North Carolina | 2 | $ 554,000 | $ 277,000 | $ 160,000 |
| Guilford County North Carolina | 2 | $ 268,000 | $ 134,000 | $ 76,000 |
| Mahoning County Ohio | 2 | $ 110,000 | $ 55,000 | $ 10,000 |
| Clackamas County Oregon | 2 | $ 175,000 | $ 87,000 | $ 94,000 |
| Curry County Oregon | 2 | $ 307,000 | $ 153,000 | $ 88,000 |
| Jackson County Oregon | 2 | $ 327,000 | $ 163,000 | $ 103,000 |
| Marion County Oregon | 2 | $ 236,000 | $ 118,000 | $ 93,000 |
| Adams County Pennsylvania | 2 | $ 733,000 | $ 366,000 | $ 81,000 |
| Cumberland County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 96,000 |
| Galveston County Texas | 2 | $ 250,000 | $ 125,000 | $ 146,000 |
| Williamson County Texas | 2 | $ 402,000 | $ 201,000 | $ 89,000 |
| Loudoun County Virginia | 2 | $ 473,000 | $ 236,000 | $ 170,000 |
| Lauderdale County Alabama | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Madison County Alabama | 1 | $ 206,000 | $ 206,000 | $ 135,000 |
| Mohave County Arizona | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Pinal County Arizona | 1 | $ 62,000 | $ 62,000 | $ 68,000 |
| Santa Cruz County Arizona | 1 | $ 87,000 | $ 87,000 | $ 144,000 |
| Yavapai County Arizona | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Crittenden County Arkansas | 1 | $ 147,000 | $ 147,000 | $ 82,000 |
| Saline County Arkansas | 1 | $ 323,000 | $ 323,000 | $ 110,000 |
| Modoc County California | 1 | $ 20,000 | $ 20,000 | $ 59,000 |
| Trinity County California | 1 | $ 57,000 | $ 57,000 | $ 94,000 |
| Arapahoe County Colorado | 1 | $ 66,000 | $ 66,000 | $ 69,000 |
| El Paso County Colorado | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Elbert County Colorado | 1 | $ 153,000 | $ 153,000 | $ 55,000 |
| Montrose County Colorado | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Weld County Colorado | 1 | $ 38,000 | $ 38,000 | $ 118,000 |
| New London County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 0 |
| New Castle County Delaware | 1 | $ 268,000 | $ 268,000 | $ 98,000 |
| Alachua County Florida | 1 | $ 50,000 | $ 50,000 | $ 222,000 |
| Duval County Florida | 1 | $ 42,000 | $ 42,000 | $ 74,000 |
| Escambia County Florida | 1 | $ 107,000 | $ 107,000 | $ 39,000 |
| Marion County Florida | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Seminole County Florida | 1 | $ 475,000 | $ 475,000 | $ 240,000 |
| Clayton County Georgia | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Cobb County Georgia | 1 | $ 111,000 | $ 111,000 | $ 25,000 |
| DeKalb County Georgia | 1 | $ 178,000 | $ 178,000 | $ 100,000 |
| Fulton County Georgia | 1 | $ 575,000 | $ 575,000 | $ 185,000 |
| Honolulu County Hawaii | 1 | $ 207,000 | $ 207,000 | $ 88,000 |
| Bonneville County Idaho | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Bond County Illinois | 1 | $ 104,000 | $ 104,000 | $ 95,000 |
| Boone County Illinois | 1 | $ 149,000 | $ 149,000 | $ 37,000 |
| DeKalb County Illinois | 1 | $ 25,000 | $ 25,000 | $ 156,000 |
| Franklin County Illinois | 1 | $ 25,000 | $ 25,000 | $ 9,000 |
| Grundy County Illinois | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Kane County Illinois | 1 | $ 230,000 | $ 230,000 | $ 64,000 |
| Kendall County Illinois | 1 | $ 62,000 | $ 62,000 | $ 118,000 |
| McLean County Illinois | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Johnson County Indiana | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Lake County Indiana | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
| Hopkins County Kentucky | 1 | $ 141,000 | $ 141,000 | $ 130,000 |
| East Baton Rouge County Louisiana | 1 | $ 140,000 | $ 140,000 | $ 100,000 |
| Rapides County Louisiana | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| St. Tammany County Louisiana | 1 | $ 234,000 | $ 234,000 | $ 80,000 |
| Prince George's County Maryland | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 269,000 | $ 269,000 | $ 75,000 |
| Worcester County Massachusetts | 1 | $ 233,000 | $ 233,000 | $ 69,000 |
| Washtenaw County Michigan | 1 | $ 222,000 | $ 222,000 | $ 74,000 |
| Washington County Minnesota | 1 | $ 263,000 | $ 263,000 | $ 68,000 |
| Hinds County Mississippi | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Cole County Missouri | 1 | $ 243,000 | $ 243,000 | $ 150,000 |
| Douglas County Nebraska | 1 | $ 230,000 | $ 230,000 | $ 113,000 |
| Cheshire County New Hampshire | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
| Rockingham County New Hampshire | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Strafford County New Hampshire | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Atlantic County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Dona Ana County New Mexico | 1 | $ 300,000 | $ 300,000 | $ 262,000 |
| Kings County New York | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Richmond County New York | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Westchester County New York | 1 | $ 430,000 | $ 430,000 | $ 124,000 |
| Craven County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 92,000 |
| New Hanover County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 90,000 |
| Wake County North Carolina | 1 | $ 374,000 | $ 374,000 | $ 188,000 |
| Canadian County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Pontotoc County Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 155,000 |
| Deschutes County Oregon | 1 | $ 456,000 | $ 456,000 | $ 148,000 |
| Douglas County Oregon | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Josephine County Oregon | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Wasco County Oregon | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Washington County Oregon | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Yamhill County Oregon | 1 | $ 80,000 | $ 80,000 | $ 135,000 |
| Allegheny County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 72,000 |
| Northampton County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 174,000 |
| Lancaster County South Carolina | 1 | $ 360,000 | $ 360,000 | $ 92,000 |
| Lexington County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 162,000 |
| Pickens County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Knox County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Sumner County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Washington County Tennessee | 1 | $ 298,000 | $ 298,000 | $ 100,000 |
| Wilson County Tennessee | 1 | $ 252,000 | $ 252,000 | $ 78,000 |
| Bexar County Texas | 1 | $ 204,000 | $ 204,000 | $ 371,000 |
| Cameron County Texas | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| El Paso County Texas | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Rockwall County Texas | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Travis County Texas | 1 | $ 84,000 | $ 84,000 | $ 110,000 |
| Salt Lake County Utah | 1 | $ 303,000 | $ 303,000 | $ 94,000 |
| Rutland County Vermont | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Windsor County Vermont | 1 | $ 190,000 | $ 190,000 | $ 75,000 |
| Henrico County Virginia | 1 | $ 201,000 | $ 201,000 | $ 74,000 |
| Virginia Beach County Virginia | 1 | $ 230,000 | $ 230,000 | $ 103,000 |
| Pierce County Washington | 1 | $ 150,000 | $ 150,000 | $ 107,000 |
| Thurston County Washington | 1 | $ 12,000 | $ 12,000 | $ 44,000 |
| Whatcom County Washington | 1 | $ 53,000 | $ 53,000 | $ 71,000 |
| Marshall County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2007
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 | 2,955 | $192,906,000 | $65,000 | $500,000 | $111,000 | $1,202,000 |
| Refinancing | 1,462 | $477,638,000 | $326,000 | $1,740,000 | $107,000 | $543,000 |
| Home Purchase | 755 | $251,111,000 | $332,000 | $1,500,000 | $111,000 | $412,000 |
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 |
|---|---|---|---|---|---|---|
| White | 2,440 | $393,590,000 | $161,000 | $1,500,000 | $111,000 | $963,000 |
| Hispanic | 846 | $146,015,000 | $172,000 | $1,200,000 | $100,000 | $677,000 |
| Asian | 733 | $159,937,000 | $218,000 | $1,350,000 | $118,000 | $600,000 |
| Black or African American | 627 | $109,357,000 | $174,000 | $907,000 | $103,000 | $1,202,000 |
| Not Provided | 216 | $55,591,000 | $257,000 | $1,740,000 | $118,000 | $461,000 |
| Native Hawaiian or Other Pacific Islander | 192 | $38,810,000 | $202,000 | $885,000 | $117,000 | $543,000 |
| American Indian or Alaskan Native | 118 | $18,355,000 | $155,000 | $1,000,000 | $105,000 | $353,000 |
| 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) | 5,172 | $921,655,000 | $178,000 | $1,740,000 | $110,000 | $1,202,000 |
| 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 | 2,556 | $368,211,000 | $144,000 | $1,203,000 | $116,000 | $1,202,000 |
| Application Denied By Financial Institution | 1,028 | $212,713,000 | $206,000 | $1,350,000 | $93,000 | $690,000 |
| File Closed For Incompleteness | 551 | $114,845,000 | $208,000 | $1,740,000 | $106,000 | $963,000 |
| Application Approved But Not Accepted | 478 | $103,008,000 | $215,000 | $1,500,000 | $118,000 | $491,000 |
| Application Withdrawn By Applicant | 395 | $64,172,000 | $162,000 | $974,000 | $110,000 | $600,000 |
| Preapproval Approved but not Accepted | 162 | $58,436,000 | $360,000 | $1,000,000 | $116,000 | $384,000 |
| Preapproval Denied by Financial Institution | 2 | $270,000 | $135,000 | $140,000 | $34,000 | $37,000 |
| 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 | 390 | $89,555,000 | $229,000 | $783,000 | $76,000 | $504,000 |
| Collateral | 259 | $51,363,000 | $198,000 | $1,350,000 | $107,000 | $690,000 |
| Credit History | 184 | $41,096,000 | $223,000 | $1,120,000 | $97,000 | $300,000 |
| Other | 38 | $6,973,000 | $183,000 | $1,103,000 | $116,000 | $402,000 |
| Unverifiable Information | 11 | $3,268,000 | $297,000 | $803,000 | $110,000 | $216,000 |
| Credit Application Incomplete | 4 | $849,000 | $212,000 | $717,000 | $152,000 | $210,000 |
| Employment History | 4 | $1,008,000 | $252,000 | $489,000 | $83,000 | $110,000 |
| 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 2007 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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