Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Patelco Credit Union 2005 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 | 4,966 |
| Total Mortgage Loan Application Amount | $790,908,000 |
| Average Mortgage Loan Application Amount | $170,787 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $99,181 |
| Highest Applicant Income | $1,878,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| OAKLAND-FREMONT-HAYWARD, CA | 1,341 | $ 214,964,000 | $ 160,000 | $ 111,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 943 | $ 120,817,000 | $ 128,000 | $ 98,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 438 | $ 73,234,000 | $ 167,000 | $ 104,000 |
| VALLEJO-FAIRFIELD, CA | 242 | $ 34,802,000 | $ 143,000 | $ 83,000 |
| SANTA ROSA-PETALUMA, CA | 163 | $ 19,477,000 | $ 119,000 | $ 77,000 |
| STOCKTON, CA | 158 | $ 23,933,000 | $ 151,000 | $ 108,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 144 | $ 24,589,000 | $ 170,000 | $ 110,000 |
| MODESTO, CA | 80 | $ 9,319,000 | $ 116,000 | $ 68,000 |
| MERCED, CA | 69 | $ 8,420,000 | $ 122,000 | $ 92,000 |
| BAKERSFIELD, CA | 66 | $ 5,926,000 | $ 89,000 | $ 69,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 59 | $ 7,963,000 | $ 134,000 | $ 89,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 42 | $ 6,146,000 | $ 146,000 | $ 112,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 41 | $ 4,831,000 | $ 117,000 | $ 107,000 |
| FRESNO, CA | 38 | $ 4,892,000 | $ 128,000 | $ 82,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 37 | $ 6,600,000 | $ 178,000 | $ 104,000 |
| LAS VEGAS-PARADISE, NV | 30 | $ 4,258,000 | $ 141,000 | $ 95,000 |
| YUBA CITY, CA | 30 | $ 3,553,000 | $ 118,000 | $ 83,000 |
| SANTA CRUZ-WATSONVILLE, CA | 29 | $ 3,645,000 | $ 125,000 | $ 103,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 27 | $ 6,535,000 | $ 242,000 | $ 103,000 |
| NAPA, CA | 24 | $ 2,813,000 | $ 117,000 | $ 96,000 |
| ORLANDO, FL | 24 | $ 2,454,000 | $ 102,000 | $ 77,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 22 | $ 3,295,000 | $ 149,000 | $ 110,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 20 | $ 4,509,000 | $ 225,000 | $ 179,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 19 | $ 3,767,000 | $ 198,000 | $ 97,000 |
| CHICO, CA | 16 | $ 1,713,000 | $ 107,000 | $ 73,000 |
| MADERA, CA | 13 | $ 1,267,000 | $ 97,000 | $ 65,000 |
| RENO-SPARKS, NV | 12 | $ 2,549,000 | $ 212,000 | $ 103,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 11 | $ 1,910,000 | $ 173,000 | $ 198,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 11 | $ 1,107,000 | $ 100,000 | $ 68,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 11 | $ 1,590,000 | $ 144,000 | $ 73,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 9 | $ 1,308,000 | $ 145,000 | $ 72,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 7 | $ 922,000 | $ 131,000 | $ 48,000 |
| SALINAS, CA | 7 | $ 515,000 | $ 73,000 | $ 87,000 |
| TUCSON, AZ | 7 | $ 770,000 | $ 110,000 | $ 327,000 |
| REDDING, CA | 6 | $ 519,000 | $ 86,000 | $ 72,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 6 | $ 651,000 | $ 108,000 | $ 115,000 |
| DENVER-AURORA, CO | 5 | $ 349,000 | $ 69,000 | $ 88,000 |
| FORT WORTH-ARLINGTON, TX | 5 | $ 592,000 | $ 118,000 | $ 60,000 |
| HANFORD-CORCORAN, CA | 5 | $ 822,000 | $ 164,000 | $ 76,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 5 | $ 493,000 | $ 98,000 | $ 86,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 5 | $ 483,000 | $ 96,000 | $ 89,000 |
| VISALIA-PORTERVILLE, CA | 5 | $ 550,000 | $ 110,000 | $ 53,000 |
| CAPE CORAL-FORT MYERS, FL | 4 | $ 855,000 | $ 213,000 | $ 94,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 4 | $ 441,000 | $ 110,000 | $ 184,000 |
| MEDFORD, OR | 4 | $ 532,000 | $ 133,000 | $ 96,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 462,000 | $ 154,000 | $ 107,000 |
| DANVILLE, IL | 3 | $ 146,000 | $ 48,000 | $ 46,000 |
| EDISON, NJ | 3 | $ 1,116,000 | $ 372,000 | $ 84,000 |
| GAINESVILLE, FL | 3 | $ 472,000 | $ 157,000 | $ 101,000 |
| JACKSONVILLE, FL | 3 | $ 402,000 | $ 134,000 | $ 92,000 |
| LAKELAND, FL | 3 | $ 210,000 | $ 70,000 | $ 48,000 |
| NAPLES-MARCO ISLAND, FL | 3 | $ 940,000 | $ 313,000 | $ 406,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 3 | $ 325,000 | $ 108,000 | $ 155,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 3 | $ 120,000 | $ 40,000 | $ 53,000 |
| TACOMA, WA | 3 | $ 283,000 | $ 94,000 | $ 151,000 |
| ALBUQUERQUE, NM | 2 | $ 377,000 | $ 188,000 | $ 169,000 |
| ASHEVILLE, NC | 2 | $ 218,000 | $ 109,000 | $ 54,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 2 | $ 438,000 | $ 219,000 | $ 38,000 |
| BINGHAMTON, NY | 2 | $ 90,000 | $ 45,000 | $ 441,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 2 | $ 433,000 | $ 216,000 | $ 140,000 |
| FLAGSTAFF, AZ | 2 | $ 105,000 | $ 52,000 | $ 40,000 |
| KANSAS CITY, MO-KS | 2 | $ 425,000 | $ 212,000 | $ 52,000 |
| KINGSTON, NY | 2 | $ 252,000 | $ 126,000 | $ 68,000 |
| OCALA, FL | 2 | $ 268,000 | $ 134,000 | $ 53,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 2 | $ 496,000 | $ 248,000 | $ 167,000 |
| ROCKFORD, IL | 2 | $ 70,000 | $ 35,000 | $ 63,000 |
| SARASOTA-BRADENTON-VENICE, FL | 2 | $ 75,000 | $ 37,000 | $ 77,000 |
| SPOKANE, WA | 2 | $ 122,000 | $ 61,000 | $ 112,000 |
| SPRINGFIELD, IL | 2 | $ 20,000 | $ 10,000 | $ 46,000 |
| ST. LOUIS, MO-IL | 2 | $ 451,000 | $ 225,000 | $ 78,000 |
| TALLAHASSEE, FL | 2 | $ 200,000 | $ 100,000 | $ 158,000 |
| ALBANY, GA | 1 | $ 176,000 | $ 176,000 | $ 42,000 |
| ATLANTIC CITY, NJ | 1 | $ 232,000 | $ 232,000 | $ 64,000 |
| BATON ROUGE, LA | 1 | $ 69,000 | $ 69,000 | $ 11,000 |
| BELLINGHAM, WA | 1 | $ 204,000 | $ 204,000 | $ 51,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 285,000 | $ 285,000 | $ 159,000 |
| CARSON CITY, NV | 1 | $ 10,000 | $ 10,000 | $ 12,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 1 | $ 271,000 | $ 271,000 | $ 99,000 |
| COEUR D'ALENE, ID | 1 | $ 137,000 | $ 137,000 | $ 83,000 |
| COLORADO SPRINGS, CO | 1 | $ 190,000 | $ 190,000 | $ 34,000 |
| CORVALLIS, OR | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| DALLAS-PLANO-IRVING, TX | 1 | $ 246,000 | $ 246,000 | $ 85,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 94,000 | $ 94,000 | $ 104,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| DURHAM, NC | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| EUGENE-SPRINGFIELD, OR | 1 | $ 90,000 | $ 90,000 | $ 223,000 |
| FORT COLLINS-LOVELAND, CO | 1 | $ 259,000 | $ 259,000 | $ 54,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 1 | $ 517,000 | $ 517,000 | $ 116,000 |
| JEFFERSON CITY, MO | 1 | $ 86,000 | $ 86,000 | $ 41,000 |
| JOHNSON CITY, TN | 1 | $ 73,000 | $ 73,000 | $ 61,000 |
| MADISON, WI | 1 | $ 167,000 | $ 167,000 | $ 34,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 1 | $ 281,000 | $ 281,000 | $ 94,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 1 | $ 309,000 | $ 309,000 | $ 84,000 |
| NEWARK-UNION, NJ-PA | 1 | $ 360,000 | $ 360,000 | $ 166,000 |
| OLYMPIA, WA | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 229,000 | $ 229,000 | $ 94,000 |
| PUEBLO, CO | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| SALEM, OR | 1 | $ 40,000 | $ 40,000 | $ 102,000 |
| SALT LAKE CITY, UT | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 220,000 | $ 220,000 | $ 106,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1 | $ 108,000 | $ 108,000 | $ 188,000 |
| WENATCHEE, WA | 1 | $ 29,000 | $ 29,000 | $ 132,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 113,000 | $ 113,000 | $ 62,000 |
| YUMA, AZ | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2005
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 | 2,746 | $188,415,000 | $46,625 | $677,000 | $86,000 | $1,500,000 |
| Refinancing | 1,127 | $310,202,000 | $168,791 | $923,000 | $122,833 | $1,839,000 |
| Home Purchase | 1,093 | $292,291,000 | $201,411 | $1,500,000 | $85,588 | $1,878,000 |
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 | 2,046 | $340,193,000 | $163,750 | $1,500,000 | $86,535 | $1,878,000 |
| White | 1,583 | $226,672,000 | $177,766 | $1,300,000 | $96,800 | $1,440,000 |
| Asian | 443 | $83,462,000 | $227,250 | $860,000 | $99,000 | $1,860,000 |
| Hispanic | 405 | $60,517,000 | $162,750 | $880,000 | $60,000 | $1,440,000 |
| Black or African American | 363 | $61,358,000 | $180,266 | $700,000 | $95,933 | $1,464,000 |
| Native Hawaiian or Other Pacific Islander | 86 | $12,902,000 | $212,333 | $480,000 | $70,333 | $254,000 |
| American Indian or Alaskan Native | 40 | $5,804,000 | $145,250 | $480,000 | $73,500 | $520,000 |
| 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) | 4,966 | $790,908,000 | $174,157 | $1,500,000 | $92,736 | $1,878,000 |
| 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 | 2,723 | $386,071,000 | $149,620 | $1,500,000 | $92,379 | $1,428,000 |
| Application Withdrawn By Applicant | 1,270 | $237,462,000 | $189,187 | $1,300,000 | $97,375 | $1,860,000 |
| Application Denied By Financial Institution | 798 | $108,256,000 | $178,545 | $1,160,000 | $77,727 | $1,224,000 |
| Application Approved But Not Accepted | 127 | $39,907,000 | $215,777 | $1,200,000 | $98,555 | $1,878,000 |
| Preapproval Approved but not Accepted | 48 | $19,212,000 | $400,000 | $800,000 | $128,000 | $1,187,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 308 | $44,073,000 | $179,555 | $1,160,000 | $78,777 | $1,224,000 |
| Debt-To-Income Ratio | 252 | $42,338,000 | $181,285 | $570,000 | $44,000 | $180,000 |
| Collateral | 160 | $12,774,000 | $49,166 | $416,000 | $53,166 | $864,000 |
| Other | 76 | $8,662,000 | $194,800 | $500,000 | $180,600 | $1,045,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $409,000 | $204,000 | $270,000 | $104,000 | $119,000 |
| 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 2005 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.