Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Patelco Credit Union 2010 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 5050 Hopyard Road Dublin, CA 94588 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 5,626 |
| Total Mortgage Loan Application Amount | $1,435,148,000 |
| Average Mortgage Loan Application Amount | $218,000 |
| Highest Mortgage Loan Application Amount | $2,980,000 |
| Average Applicant Income | $124,666 |
| Highest Applicant Income | $2,760,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 883 | $ 236,385,000 | $ 267,000 | $ 144,000 |
| Alameda County California | 844 | $ 214,314,000 | $ 253,000 | $ 129,000 |
| San Mateo County California | 394 | $ 114,643,000 | $ 290,000 | $ 137,000 |
| San Francisco County California | 372 | $ 122,962,000 | $ 330,000 | $ 158,000 |
| Sacramento County California | 340 | $ 53,669,000 | $ 157,000 | $ 91,000 |
| Santa Clara County California | 312 | $ 104,973,000 | $ 336,000 | $ 150,000 |
| Sonoma County California | 206 | $ 47,934,000 | $ 232,000 | $ 124,000 |
| Placer County California | 152 | $ 28,148,000 | $ 185,000 | $ 102,000 |
| Solano County California | 145 | $ 24,367,000 | $ 168,000 | $ 102,000 |
| Marin County California | 133 | $ 45,185,000 | $ 339,000 | $ 182,000 |
| San Joaquin County California | 72 | $ 13,134,000 | $ 182,000 | $ 94,000 |
| Santa Cruz County California | 62 | $ 14,337,000 | $ 231,000 | $ 165,000 |
| El Dorado County California | 43 | $ 10,666,000 | $ 248,000 | $ 126,000 |
| Los Angeles County California | 42 | $ 12,027,000 | $ 286,000 | $ 149,000 |
| Napa County California | 28 | $ 6,556,000 | $ 234,000 | $ 149,000 |
| San Diego County California | 28 | $ 9,004,000 | $ 321,000 | $ 155,000 |
| Fresno County California | 26 | $ 3,791,000 | $ 145,000 | $ 94,000 |
| Stanislaus County California | 26 | $ 3,279,000 | $ 126,000 | $ 108,000 |
| Kern County California | 22 | $ 2,726,000 | $ 123,000 | $ 76,000 |
| Cook County Illinois | 20 | $ 5,064,000 | $ 253,000 | $ 114,000 |
| Orange County California | 19 | $ 4,996,000 | $ 262,000 | $ 143,000 |
| Riverside County California | 19 | $ 3,517,000 | $ 185,000 | $ 128,000 |
| Yolo County California | 19 | $ 3,221,000 | $ 169,000 | $ 110,000 |
| Monterey County California | 16 | $ 3,865,000 | $ 241,000 | $ 127,000 |
| Clark County Nevada | 16 | $ 2,652,000 | $ 165,000 | $ 108,000 |
| Lake County California | 15 | $ 2,174,000 | $ 144,000 | $ 86,000 |
| Butte County California | 14 | $ 2,292,000 | $ 163,000 | $ 114,000 |
| Calaveras County California | 14 | $ 2,187,000 | $ 156,000 | $ 108,000 |
| Nevada County California | 14 | $ 3,854,000 | $ 275,000 | $ 221,000 |
| Merced County California | 13 | $ 1,733,000 | $ 133,000 | $ 113,000 |
| Humboldt County California | 12 | $ 1,580,000 | $ 131,000 | $ 95,000 |
| Maricopa County Arizona | 11 | $ 2,009,000 | $ 182,000 | $ 111,000 |
| Tuolumne County California | 9 | $ 927,000 | $ 103,000 | $ 103,000 |
| King County Washington | 9 | $ 3,561,000 | $ 395,000 | $ 129,000 |
| Shasta County California | 8 | $ 1,470,000 | $ 183,000 | $ 78,000 |
| Lake County Illinois | 8 | $ 1,561,000 | $ 195,000 | $ 127,000 |
| Washoe County Nevada | 8 | $ 1,561,000 | $ 195,000 | $ 77,000 |
| Clark County Washington | 8 | $ 1,403,000 | $ 175,000 | $ 112,000 |
| Amador County California | 7 | $ 978,000 | $ 139,000 | $ 102,000 |
| Mendocino County California | 7 | $ 1,597,000 | $ 228,000 | $ 133,000 |
| Ventura County California | 7 | $ 1,481,000 | $ 211,000 | $ 156,000 |
| Plumas County California | 6 | $ 1,039,000 | $ 173,000 | $ 88,000 |
| San Bernardino County California | 6 | $ 395,000 | $ 65,000 | $ 150,000 |
| San Luis Obispo County California | 6 | $ 1,794,000 | $ 299,000 | $ 87,000 |
| Siskiyou County California | 6 | $ 1,415,000 | $ 235,000 | $ 74,000 |
| Broward County Florida | 6 | $ 1,747,000 | $ 291,000 | $ 180,000 |
| Palm Beach County Florida | 6 | $ 870,000 | $ 145,000 | $ 63,000 |
| Honolulu County Hawaii | 6 | $ 1,771,000 | $ 295,000 | $ 148,000 |
| Tehama County California | 5 | $ 821,000 | $ 164,000 | $ 68,000 |
| Harris County Texas | 5 | $ 594,000 | $ 118,000 | $ 97,000 |
| Tarrant County Texas | 5 | $ 612,000 | $ 122,000 | $ 125,000 |
| Gwinnett County Georgia | 4 | $ 588,000 | $ 147,000 | $ 131,000 |
| Lyon County Nevada | 4 | $ 424,000 | $ 106,000 | $ 78,000 |
| Pima County Arizona | 3 | $ 392,000 | $ 130,000 | $ 93,000 |
| Colusa County California | 3 | $ 407,000 | $ 135,000 | $ 55,000 |
| Tulare County California | 3 | $ 424,000 | $ 141,000 | $ 100,000 |
| DeKalb County Georgia | 3 | $ 302,000 | $ 100,000 | $ 87,000 |
| Hawaii County Hawaii | 3 | $ 1,152,000 | $ 384,000 | $ 207,000 |
| DuPage County Illinois | 3 | $ 956,000 | $ 318,000 | $ 163,000 |
| Bernalillo County New Mexico | 3 | $ 410,000 | $ 136,000 | $ 232,000 |
| Washington County Oregon | 3 | $ 698,000 | $ 232,000 | $ 160,000 |
| Bexar County Texas | 3 | $ 329,000 | $ 109,000 | $ 91,000 |
| Montgomery County Texas | 3 | $ 685,000 | $ 228,000 | $ 96,000 |
| Travis County Texas | 3 | $ 767,000 | $ 255,000 | $ 101,000 |
| Loudoun County Virginia | 3 | $ 1,253,000 | $ 417,000 | $ 126,000 |
| Jefferson County Alabama | 2 | $ 157,000 | $ 78,000 | $ 85,000 |
| Cochise County Arizona | 2 | $ 66,000 | $ 33,000 | $ 87,000 |
| Del Norte County California | 2 | $ 315,000 | $ 157,000 | $ 33,000 |
| Madera County California | 2 | $ 531,000 | $ 265,000 | $ 76,000 |
| Sutter County California | 2 | $ 165,000 | $ 82,000 | $ 67,000 |
| Yuba County California | 2 | $ 775,000 | $ 387,000 | $ 125,000 |
| Adams County Colorado | 2 | $ 413,000 | $ 206,000 | $ 120,000 |
| Arapahoe County Colorado | 2 | $ 378,000 | $ 189,000 | $ 177,000 |
| Boulder County Colorado | 2 | $ 396,000 | $ 198,000 | $ 71,000 |
| Broomfield County Colorado | 2 | $ 441,000 | $ 220,000 | $ 147,000 |
| El Paso County Colorado | 2 | $ 736,000 | $ 368,000 | $ 144,000 |
| Lake County Florida | 2 | $ 338,000 | $ 169,000 | $ 122,000 |
| Lee County Florida | 2 | $ 143,000 | $ 71,000 | $ 41,000 |
| Leon County Florida | 2 | $ 123,000 | $ 61,000 | $ 162,000 |
| Martin County Florida | 2 | $ 175,000 | $ 87,000 | $ 47,000 |
| Orange County Florida | 2 | $ 228,000 | $ 114,000 | $ 56,000 |
| Fulton County Georgia | 2 | $ 366,000 | $ 183,000 | $ 122,000 |
| McHenry County Illinois | 2 | $ 633,000 | $ 316,000 | $ 151,000 |
| Will County Illinois | 2 | $ 275,000 | $ 137,000 | $ 64,000 |
| Hamilton County Indiana | 2 | $ 265,000 | $ 132,000 | $ 133,000 |
| Middlesex County Massachusetts | 2 | $ 665,000 | $ 332,000 | $ 243,000 |
| Washtenaw County Michigan | 2 | $ 330,000 | $ 165,000 | $ 85,000 |
| Douglas County Nevada | 2 | $ 349,000 | $ 174,000 | $ 72,000 |
| Santa Fe County New Mexico | 2 | $ 627,000 | $ 313,000 | $ 73,000 |
| Suffolk County New York | 2 | $ 590,000 | $ 295,000 | $ 284,000 |
| Franklin County Ohio | 2 | $ 355,000 | $ 177,000 | $ 78,000 |
| Greene County Ohio | 2 | $ 118,000 | $ 59,000 | $ 63,000 |
| Mahoning County Ohio | 2 | $ 351,000 | $ 175,000 | $ 89,000 |
| Douglas County Oregon | 2 | $ 300,000 | $ 150,000 | $ 75,000 |
| Multnomah County Oregon | 2 | $ 456,000 | $ 228,000 | $ 99,000 |
| Philadelphia County Pennsylvania | 2 | $ 464,000 | $ 232,000 | $ 143,000 |
| Shelby County Tennessee | 2 | $ 191,000 | $ 95,000 | $ 63,000 |
| Dallas County Texas | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Liberty County Texas | 2 | $ 174,000 | $ 87,000 | $ 65,000 |
| Whatcom County Washington | 2 | $ 455,000 | $ 227,000 | $ 90,000 |
| Kenosha County Wisconsin | 2 | $ 310,000 | $ 155,000 | $ 92,000 |
| Goshen County Wyoming | 2 | $ 157,000 | $ 78,000 | $ 56,000 |
| Pinal County Arizona | 1 | $ 198,000 | $ 198,000 | $ 137,000 |
| Yavapai County Arizona | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Cleburne County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 53,000 |
| Ouachita County Arkansas | 1 | $ 62,000 | $ 62,000 | $ 84,000 |
| Saline County Arkansas | 1 | $ 160,000 | $ 160,000 | $ 86,000 |
| Washington County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Glenn County California | 1 | $ 72,000 | $ 72,000 | $ 34,000 |
| Inyo County California | 1 | $ 177,000 | $ 177,000 | $ 83,000 |
| Kings County California | 1 | $ 83,000 | $ 83,000 | $ 96,000 |
| Lassen County California | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Mono County California | 1 | $ 121,000 | $ 121,000 | $ 156,000 |
| San Benito County California | 1 | $ 100,000 | $ 100,000 | $ 165,000 |
| Santa Barbara County California | 1 | $ 7,000 | $ 7,000 | $ 32,000 |
| Trinity County California | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Denver County Colorado | 1 | $ 125,000 | $ 125,000 | $ 117,000 |
| Douglas County Colorado | 1 | $ 338,000 | $ 338,000 | $ 177,000 |
| New Haven County Connecticut | 1 | $ 251,000 | $ 251,000 | $ 106,000 |
| New Castle County Delaware | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Alachua County Florida | 1 | $ 142,000 | $ 142,000 | $ 68,000 |
| Brevard County Florida | 1 | $ 56,000 | $ 56,000 | $ 71,000 |
| Collier County Florida | 1 | $ 103,000 | $ 103,000 | $ 122,000 |
| Duval County Florida | 1 | $ 226,000 | $ 226,000 | $ 75,000 |
| Highlands County Florida | 1 | $ 74,000 | $ 74,000 | $ 121,000 |
| Hillsborough County Florida | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Pinellas County Florida | 1 | $ 198,000 | $ 198,000 | $ 123,000 |
| St. Lucie County Florida | 1 | $ 311,000 | $ 311,000 | $ 108,000 |
| Volusia County Florida | 1 | $ 280,000 | $ 280,000 | $ 100,000 |
| Bulloch County Georgia | 1 | $ 142,000 | $ 142,000 | $ 111,000 |
| Chatham County Georgia | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Cobb County Georgia | 1 | $ 278,000 | $ 278,000 | $ 110,000 |
| Forsyth County Georgia | 1 | $ 285,000 | $ 285,000 | $ 83,000 |
| Hall County Georgia | 1 | $ 58,000 | $ 58,000 | $ 25,000 |
| Maui County Hawaii | 1 | $ 155,000 | $ 155,000 | $ 119,000 |
| Ada County Idaho | 1 | $ 234,000 | $ 234,000 | $ 71,000 |
| Bonner County Idaho | 1 | $ 41,000 | $ 41,000 | $ 18,000 |
| Kootenai County Idaho | 1 | $ 87,000 | $ 87,000 | $ 23,000 |
| Champaign County Illinois | 1 | $ 70,000 | $ 70,000 | $ 193,000 |
| Kendall County Illinois | 1 | $ 329,000 | $ 329,000 | $ 185,000 |
| McLean County Illinois | 1 | $ 136,000 | $ 136,000 | $ 96,000 |
| Sangamon County Illinois | 1 | $ 69,000 | $ 69,000 | $ 35,000 |
| Winnebago County Illinois | 1 | $ 292,000 | $ 292,000 | $ 115,000 |
| Henry County Indiana | 1 | $ 108,000 | $ 108,000 | $ 99,000 |
| Tippecanoe County Indiana | 1 | $ 65,000 | $ 65,000 | $ 11,000 |
| Polk County Iowa | 1 | $ 260,000 | $ 260,000 | $ 99,000 |
| Scott County Iowa | 1 | $ 81,000 | $ 81,000 | $ 50,000 |
| Graham County Kansas | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Sedgwick County Kansas | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Kenton County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Jefferson Davis County Louisiana | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Sagadahoc County Maine | 1 | $ 184,000 | $ 184,000 | $ 115,000 |
| Frederick County Maryland | 1 | $ 201,000 | $ 201,000 | $ 80,000 |
| Worcester County Maryland | 1 | $ 398,000 | $ 398,000 | $ 236,000 |
| Anoka County Minnesota | 1 | $ 70,000 | $ 70,000 | $ 16,000 |
| Hennepin County Minnesota | 1 | $ 200,000 | $ 200,000 | $ 132,000 |
| St. Louis County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Washington County Minnesota | 1 | $ 239,000 | $ 239,000 | $ 105,000 |
| St. Charles County Missouri | 1 | $ 169,000 | $ 169,000 | $ 85,000 |
| Ravalli County Montana | 1 | $ 200,000 | $ 200,000 | $ 92,000 |
| Lancaster County Nebraska | 1 | $ 140,000 | $ 140,000 | $ 83,000 |
| Carson City County Nevada | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Hillsborough County New Hampshire | 1 | $ 283,000 | $ 283,000 | $ 154,000 |
| Bergen County New Jersey | 1 | $ 214,000 | $ 214,000 | $ 165,000 |
| Burlington County New Jersey | 1 | $ 158,000 | $ 158,000 | $ 145,000 |
| Camden County New Jersey | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Essex County New Jersey | 1 | $ 333,000 | $ 333,000 | $ 218,000 |
| Middlesex County New Jersey | 1 | $ 236,000 | $ 236,000 | $ 154,000 |
| Monmouth County New Jersey | 1 | $ 153,000 | $ 153,000 | $ 58,000 |
| Morris County New Jersey | 1 | $ 387,000 | $ 387,000 | $ 102,000 |
| Dona Ana County New Mexico | 1 | $ 220,000 | $ 220,000 | $ 311,000 |
| Otero County New Mexico | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Sandoval County New Mexico | 1 | $ 379,000 | $ 379,000 | $ 79,000 |
| Guilford County North Carolina | 1 | $ 83,000 | $ 83,000 | $ 129,000 |
| Mecklenburg County North Carolina | 1 | $ 226,000 | $ 226,000 | $ 152,000 |
| Montgomery County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 124,000 |
| New Hanover County North Carolina | 1 | $ 19,000 | $ 19,000 | $ 100,000 |
| Clark County Ohio | 1 | $ 28,000 | $ 28,000 | $ 36,000 |
| Cuyahoga County Ohio | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Hamilton County Ohio | 1 | $ 162,000 | $ 162,000 | $ 70,000 |
| Ottawa County Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Columbia County Oregon | 1 | $ 346,000 | $ 346,000 | $ 63,000 |
| Coos County Oregon | 1 | $ 30,000 | $ 30,000 | $ 96,000 |
| Josephine County Oregon | 1 | $ 345,000 | $ 345,000 | $ 92,000 |
| Lane County Oregon | 1 | $ 221,000 | $ 221,000 | $ 32,000 |
| Greene County Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 120,000 |
| Lackawanna County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 300,000 |
| Washington County Rhode Island | 1 | $ 146,000 | $ 146,000 | $ 65,000 |
| Pickens County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Hamilton County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Knox County Tennessee | 1 | $ 190,000 | $ 190,000 | $ 85,000 |
| Maury County Tennessee | 1 | $ 54,000 | $ 54,000 | $ 68,000 |
| Rutherford County Tennessee | 1 | $ 116,000 | $ 116,000 | $ 74,000 |
| Collin County Texas | 1 | $ 143,000 | $ 143,000 | $ 88,000 |
| Denton County Texas | 1 | $ 308,000 | $ 308,000 | $ 168,000 |
| Fort Bend County Texas | 1 | $ 136,000 | $ 136,000 | $ 87,000 |
| Hood County Texas | 1 | $ 360,000 | $ 360,000 | $ 140,000 |
| Kaufman County Texas | 1 | $ 153,000 | $ 153,000 | $ 74,000 |
| Marion County Texas | 1 | $ 280,000 | $ 280,000 | $ 107,000 |
| Van Zandt County Texas | 1 | $ 77,000 | $ 77,000 | $ 103,000 |
| Williamson County Texas | 1 | $ 70,000 | $ 70,000 | $ 194,000 |
| Salt Lake County Utah | 1 | $ 486,000 | $ 486,000 | $ 155,000 |
| Utah County Utah | 1 | $ 181,000 | $ 181,000 | $ 91,000 |
| Wasatch County Utah | 1 | $ 293,000 | $ 293,000 | $ 73,000 |
| Orange County Vermont | 1 | $ 150,000 | $ 150,000 | $ 31,000 |
| Fauquier County Virginia | 1 | $ 375,000 | $ 375,000 | $ 204,000 |
| Harrisonburg County Virginia | 1 | $ 180,000 | $ 180,000 | $ 79,000 |
| Richmond City County Virginia | 1 | $ 294,000 | $ 294,000 | $ 157,000 |
| Rockbridge County Virginia | 1 | $ 383,000 | $ 383,000 | $ 82,000 |
| Warren County Virginia | 1 | $ 337,000 | $ 337,000 | $ 183,000 |
| York County Virginia | 1 | $ 117,000 | $ 117,000 | $ 198,000 |
| Clallam County Washington | 1 | $ 120,000 | $ 120,000 | $ 46,000 |
| Kittitas County Washington | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Pierce County Washington | 1 | $ 266,000 | $ 266,000 | $ 210,000 |
| Spokane County Washington | 1 | $ 124,000 | $ 124,000 | $ 81,000 |
| Stevens County Washington | 1 | $ 175,000 | $ 175,000 | $ 131,000 |
| Jefferson County Wisconsin | 1 | $ 171,000 | $ 171,000 | $ 104,000 |
| Price County Wisconsin | 1 | $ 113,000 | $ 113,000 | $ 259,000 |
| Walworth County Wisconsin | 1 | $ 271,000 | $ 271,000 | $ 267,000 |
| Waukesha County Wisconsin | 1 | $ 368,000 | $ 368,000 | $ 216,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,256 | $955,161,000 | $293,000 | $1,850,000 | $129,000 | $2,049,000 |
| Home Purchase | 1,440 | $404,128,000 | $280,000 | $2,980,000 | $114,000 | $2,285,000 |
| Home Improvement | 930 | $75,859,000 | $81,000 | $370,000 | $131,000 | $2,760,000 |
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 | 2,425 | $587,281,000 | $242,000 | $1,800,000 | $125,000 | $2,760,000 |
| Not Provided | 1,727 | $466,389,000 | $270,000 | $2,980,000 | $131,000 | $2,285,000 |
| Asian | 799 | $231,986,000 | $290,000 | $1,340,000 | $135,000 | $976,000 |
| Hispanic | 412 | $90,354,000 | $219,000 | $1,290,000 | $97,000 | $641,000 |
| Black or African American | 191 | $42,078,000 | $220,000 | $940,000 | $99,000 | $325,000 |
| Native Hawaiian or Other Pacific Islander | 50 | $11,556,000 | $231,000 | $626,000 | $106,000 | $438,000 |
| American Indian or Alaskan Native | 22 | $5,504,000 | $250,000 | $765,000 | $110,000 | $247,000 |
| 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) | 5,626 | $1,435,148,000 | $255,000 | $2,980,000 | $125,000 | $2,760,000 |
| 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 | 2,153 | $477,507,000 | $221,000 | $1,288,000 | $127,000 | $976,000 |
| Application Withdrawn By Applicant | 1,028 | $317,265,000 | $308,000 | $1,500,000 | $133,000 | $2,049,000 |
| Application Denied By Financial Institution | 917 | $215,466,000 | $234,000 | $1,800,000 | $108,000 | $2,760,000 |
| Application Approved But Not Accepted | 796 | $236,969,000 | $297,000 | $1,700,000 | $135,000 | $2,285,000 |
| File Closed For Incompleteness | 730 | $187,264,000 | $256,000 | $2,980,000 | $121,000 | $1,740,000 |
| Preapproval Approved but not Accepted | 2 | $677,000 | $338,000 | $560,000 | $142,000 | $215,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 319 | $76,441,000 | $239,000 | $1,800,000 | $76,000 | $351,000 |
| Other | 198 | $50,745,000 | $256,000 | $1,000,000 | $127,000 | $642,000 |
| Credit History | 168 | $36,642,000 | $218,000 | $765,000 | $98,000 | $848,000 |
| Collateral | 139 | $32,296,000 | $232,000 | $992,000 | $157,000 | $2,760,000 |
| Unverifiable Information | 12 | $3,414,000 | $284,000 | $500,000 | $87,000 | $224,000 |
| Credit Application Incomplete | 4 | $1,283,000 | $320,000 | $475,000 | $123,000 | $206,000 |
| Employment History | 2 | $315,000 | $157,000 | $215,000 | $117,000 | $198,000 |
| 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 2010 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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