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Act (HMDA) records Patelco Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,697 | $ 221,624,000 | $ 130,597 | $ 115,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,027 | $ 117,673,000 | $ 114,579 | $ 91,000 |
| San Francisco-San Mateo-Redwood City, CA | 651 | $ 107,482,000 | $ 165,102 | $ 117,000 |
| Vallejo-Fairfield, CA | 287 | $ 35,218,000 | $ 122,710 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 227 | $ 37,377,000 | $ 164,656 | $ 112,000 |
| Santa Rosa-Petaluma, CA | 211 | $ 21,352,000 | $ 101,194 | $ 92,000 |
| Stockton, CA | 179 | $ 25,194,000 | $ 140,748 | $ 100,000 |
| Bakersfield, CA | 75 | $ 4,372,000 | $ 58,293 | $ 85,000 |
| Modesto, CA | 74 | $ 8,072,000 | $ 109,081 | $ 93,000 |
| Merced, CA | 70 | $ 8,134,000 | $ 116,200 | $ 81,000 |
| Chicago-Naperville-Joliet, IL | 64 | $ 7,501,000 | $ 117,203 | $ 93,000 |
| Riverside-San Bernardino-Ontario, CA | 62 | $ 8,765,000 | $ 141,370 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 57 | $ 8,102,000 | $ 142,140 | $ 99,000 |
| Los Angeles-Long Beach-Glendale, CA | 49 | $ 8,740,000 | $ 178,367 | $ 152,000 |
| Napa, CA | 35 | $ 5,545,000 | $ 158,428 | $ 112,000 |
| Las Vegas-Paradise, NV | 30 | $ 4,085,000 | $ 136,166 | $ 92,000 |
| San Diego-Carlsbad-San Marcos, CA | 30 | $ 3,443,000 | $ 114,766 | $ 118,000 |
| Lake County-Kenosha County, IL-WI | 29 | $ 2,656,000 | $ 91,586 | $ 134,896 |
| Yuba City, CA | 29 | $ 3,823,000 | $ 131,827 | $ 86,000 |
| Santa Cruz-Watsonville, CA | 28 | $ 2,905,000 | $ 103,750 | $ 109,000 |
| Chico, CA | 23 | $ 1,414,000 | $ 61,478 | $ 76,000 |
| Portland-Vancouver-Beaverton, OR-WA | 23 | $ 2,500,000 | $ 108,695 | $ 99,652 |
| Seattle-Bellevue-Everett, WA | 23 | $ 4,409,000 | $ 191,695 | $ 109,000 |
| Fresno, CA | 22 | $ 3,140,000 | $ 142,727 | $ 83,000 |
| Denver-Aurora, CO | 17 | $ 1,902,000 | $ 111,882 | $ 132,000 |
| Orlando-Kissimmee, FL | 17 | $ 2,952,000 | $ 173,647 | $ 90,000 |
| Redding, CA | 16 | $ 1,920,000 | $ 120,000 | $ 90,000 |
| Reno-Sparks, NV | 16 | $ 1,204,000 | $ 75,250 | $ 89,000 |
| Santa Ana-Anaheim-Irvine, CA | 16 | $ 1,235,000 | $ 77,187 | $ 115,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 1,686,000 | $ 120,428 | $ 111,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 1,322,000 | $ 110,166 | $ 86,000 |
| Madera, CA | 12 | $ 1,039,000 | $ 86,583 | $ 76,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 2,259,000 | $ 225,900 | $ 95,000 |
| Salinas, CA | 10 | $ 595,000 | $ 59,500 | $ 78,000 |
| Colorado Springs, CO | 9 | $ 1,328,000 | $ 147,555 | $ 80,000 |
| Dallas-Plano-Irving, TX | 9 | $ 1,032,000 | $ 114,666 | $ 61,000 |
| Tucson, AZ | 9 | $ 932,000 | $ 103,555 | $ 90,000 |
| Visalia-Porterville, CA | 9 | $ 1,045,000 | $ 116,111 | $ 65,000 |
| Jacksonville, FL | 6 | $ 594,000 | $ 99,000 | $ 93,000 |
| Peoria, IL | 6 | $ 339,000 | $ 56,500 | $ 93,000 |
| Austin-Round Rock, TX | 5 | $ 786,000 | $ 157,200 | $ 95,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 589,000 | $ 117,800 | $ 63,000 |
| Honolulu, HI | 5 | $ 1,432,000 | $ 286,400 | $ 180,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 480,000 | $ 96,000 | $ 70,000 |
| Port St. Lucie-Fort Pierce, FL | 5 | $ 168,000 | $ 33,600 | $ 81,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 487,000 | $ 121,750 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 874,000 | $ 218,500 | $ 432,500 |
| Olympia, WA | 4 | $ 241,000 | $ 60,250 | $ 42,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 490,000 | $ 122,500 | $ 347,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 791,000 | $ 197,750 | $ 129,000 |
| Spokane, WA | 4 | $ 352,000 | $ 88,000 | $ 88,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 452,000 | $ 150,666 | $ 62,000 |
| Columbus, OH | 3 | $ 454,000 | $ 151,333 | $ 30,000 |
| Edison, NJ | 3 | $ 797,000 | $ 265,666 | $ 153,000 |
| Gainesville, FL | 3 | $ 362,000 | $ 120,666 | $ 121,000 |
| Lakeland, FL | 3 | $ 417,000 | $ 139,000 | $ 75,000 |
| Rockford, IL | 3 | $ 163,000 | $ 54,333 | $ 52,000 |
| San Antonio, TX | 3 | $ 232,000 | $ 77,333 | $ 46,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 286,000 | $ 95,333 | $ 92,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 680,000 | $ 226,666 | $ 90,000 |
| Albuquerque, NM | 2 | $ 197,000 | $ 98,500 | $ 14,000 |
| Beaumont-Port Arthur, TX | 2 | $ 125,000 | $ 62,500 | $ 37,000 |
| Champaign-Urbana, IL | 2 | $ 149,000 | $ 74,500 | $ 116,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 186,000 | $ 93,000 | $ 866,000 |
| Fort Worth-Arlington, TX | 2 | $ 162,000 | $ 81,000 | $ 1,193,000 |
| Gary, IN | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Kansas City, MO-KS | 2 | $ 385,000 | $ 192,500 | $ 212,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 128,000 | $ 64,000 | $ 85,000 |
| Memphis, TN-MS-AR | 2 | $ 128,000 | $ 64,000 | $ 136,000 |
| Montgomery, AL | 2 | $ 400,000 | $ 200,000 | $ 148,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,085,000 | $ 542,500 | $ 240,000 |
| Oklahoma City, OK | 2 | $ 247,000 | $ 123,500 | $ 208,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Pueblo, CO | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| Baton Rouge, LA | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Bellingham, WA | 1 | $ 50,000 | $ 50,000 | $ 76,000 |
| Bethesda-Gaithersburg-Frederick, MD | 1 | $ 40,000 | $ 40,000 | $ 30,000 |
| Boston-Quincy, MA | 1 | $ 400,000 | $ 400,000 | $ 49,000 |
| Bremerton-Silverdale, WA | 1 | $ 60,000 | $ 60,000 | $ 234,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 232,000 | $ 232,000 | $ 125,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 267,000 | $ 267,000 | $ 65,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 83,000 | $ 83,000 | $ 60,000 |
| Danville, IL | 1 | $ 29,000 | $ 29,000 | $ 34,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 80,000 | $ 80,000 | $ 93,000 |
| Flagstaff, AZ | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Greeley, CO | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Hanford-Corcoran, CA | 1 | $ 312,000 | $ 312,000 | $ 110,000 |
| Harrisburg-Carlisle, PA | 1 | $ 310,000 | $ 310,000 | $ 125,000 |
| Huntsville, AL | 1 | $ 56,000 | $ 56,000 | $ 101,000 |
| Knoxville, TN | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Lincoln, NE | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Little Rock-North Little Rock, AR | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 129,000 | $ 129,000 | $ 36,000 |
| Mobile, AL | 1 | $ 230,000 | $ 230,000 | $ 156,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 138,000 | $ 138,000 | $ 49,000 |
| Naples-Marco Island, FL | 1 | $ 200,000 | $ 200,000 | $ 232,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 60,000 | $ 60,000 | $ 57,000 |
| Newark-Union, NJ-PA | 1 | $ 390,000 | $ 390,000 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Philadelphia, PA | 1 | $ 126,000 | $ 126,000 | $ 51,000 |
| Pittsburgh, PA | 1 | $ 44,000 | $ 44,000 | $ 104,000 |
| Prescott, AZ | 1 | $ 30,000 | $ 30,000 | $ 61,000 |
| Punta Gorda, FL | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Racine, WI | 1 | $ 143,000 | $ 143,000 | $ 59,000 |
| Raleigh-Cary, NC | 1 | $ 226,000 | $ 226,000 | $ 176,000 |
| Rochester, NY | 1 | $ 209,000 | $ 209,000 | $ 84,000 |
| Santa Barbara-Santa Maria, CA | 1 | $ 215,000 | $ 215,000 | $ 142,000 |
| Santa Fe, NM | 1 | $ 43,000 | $ 43,000 | $ 150,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
| Springfield, IL | 1 | $ 9,000 | $ 9,000 | $ 26,000 |
| St. George, UT | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Tallahassee, FL | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Toledo, OH | 1 | $ 126,000 | $ 126,000 | $ 88,000 |
| Tulsa, OK | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Winston-Salem, NC | 1 | $ 142,000 | $ 142,000 | $ 83,000 |
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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