Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Patelco Credit Union 2012 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 | 3,767 |
| Total Mortgage Loan Application Amount | $1,027,735,000 |
| Average Mortgage Loan Application Amount | $258,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $3,561,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alameda County California | 724 | $ 209,710,000 | $ 289,000 | $ 114,000 |
| Contra Costa County California | 705 | $ 205,466,000 | $ 291,000 | $ 126,000 |
| Sacramento County California | 380 | $ 73,127,000 | $ 192,000 | $ 87,000 |
| San Mateo County California | 259 | $ 90,891,000 | $ 350,000 | $ 136,000 |
| San Francisco County California | 232 | $ 84,561,000 | $ 364,000 | $ 134,000 |
| Santa Clara County California | 212 | $ 74,008,000 | $ 349,000 | $ 127,000 |
| Sonoma County California | 148 | $ 38,034,000 | $ 256,000 | $ 103,000 |
| Placer County California | 146 | $ 32,098,000 | $ 219,000 | $ 102,000 |
| Solano County California | 133 | $ 28,157,000 | $ 211,000 | $ 97,000 |
| San Joaquin County California | 82 | $ 15,908,000 | $ 194,000 | $ 92,000 |
| Marin County California | 70 | $ 26,826,000 | $ 383,000 | $ 168,000 |
| El Dorado County California | 50 | $ 14,273,000 | $ 285,000 | $ 108,000 |
| Los Angeles County California | 34 | $ 11,557,000 | $ 339,000 | $ 129,000 |
| Santa Cruz County California | 29 | $ 8,565,000 | $ 295,000 | $ 154,000 |
| Nevada County California | 27 | $ 6,794,000 | $ 251,000 | $ 115,000 |
| Cook County Illinois | 25 | $ 4,861,000 | $ 194,000 | $ 97,000 |
| Riverside County California | 22 | $ 4,809,000 | $ 218,000 | $ 143,000 |
| San Diego County California | 19 | $ 5,792,000 | $ 304,000 | $ 115,000 |
| Stanislaus County California | 18 | $ 2,792,000 | $ 155,000 | $ 94,000 |
| Merced County California | 17 | $ 3,087,000 | $ 181,000 | $ 105,000 |
| Kern County California | 16 | $ 2,565,000 | $ 160,000 | $ 67,000 |
| Fresno County California | 15 | $ 1,738,000 | $ 115,000 | $ 95,000 |
| Amador County California | 13 | $ 2,269,000 | $ 174,000 | $ 108,000 |
| Yolo County California | 13 | $ 3,702,000 | $ 284,000 | $ 129,000 |
| Maricopa County Arizona | 12 | $ 1,568,000 | $ 130,000 | $ 128,000 |
| Monterey County California | 12 | $ 3,359,000 | $ 279,000 | $ 119,000 |
| Lake County California | 9 | $ 1,183,000 | $ 131,000 | $ 80,000 |
| Napa County California | 9 | $ 2,467,000 | $ 274,000 | $ 112,000 |
| Lake County Illinois | 9 | $ 1,662,000 | $ 184,000 | $ 125,000 |
| Butte County California | 8 | $ 1,418,000 | $ 177,000 | $ 97,000 |
| Mendocino County California | 8 | $ 1,818,000 | $ 227,000 | $ 132,000 |
| Orange County California | 8 | $ 3,263,000 | $ 407,000 | $ 149,000 |
| San Luis Obispo County California | 8 | $ 2,327,000 | $ 290,000 | $ 94,000 |
| King County Washington | 8 | $ 2,043,000 | $ 255,000 | $ 105,000 |
| Calaveras County California | 7 | $ 1,329,000 | $ 189,000 | $ 134,000 |
| Humboldt County California | 7 | $ 1,377,000 | $ 196,000 | $ 129,000 |
| Tuolumne County California | 7 | $ 1,063,000 | $ 151,000 | $ 100,000 |
| Multnomah County Oregon | 6 | $ 1,100,000 | $ 183,000 | $ 121,000 |
| Shasta County California | 5 | $ 1,212,000 | $ 242,000 | $ 112,000 |
| Tulare County California | 5 | $ 824,000 | $ 164,000 | $ 50,000 |
| Yuba County California | 5 | $ 836,000 | $ 167,000 | $ 67,000 |
| Bernalillo County New Mexico | 5 | $ 692,000 | $ 138,000 | $ 125,000 |
| Mohave County Arizona | 4 | $ 541,000 | $ 135,000 | $ 170,000 |
| Madera County California | 4 | $ 1,037,000 | $ 259,000 | $ 143,000 |
| San Bernardino County California | 4 | $ 730,000 | $ 182,000 | $ 102,000 |
| Sutter County California | 4 | $ 905,000 | $ 226,000 | $ 85,000 |
| Douglas County Georgia | 4 | $ 538,000 | $ 134,000 | $ 48,000 |
| Honolulu County Hawaii | 4 | $ 868,000 | $ 217,000 | $ 146,000 |
| Salt Lake County Utah | 4 | $ 923,000 | $ 230,000 | $ 112,000 |
| Hillsborough County Florida | 3 | $ 504,000 | $ 168,000 | $ 124,000 |
| Miami-Dade County Florida | 3 | $ 1,015,000 | $ 338,000 | $ 230,000 |
| Palm Beach County Florida | 3 | $ 592,000 | $ 197,000 | $ 110,000 |
| McHenry County Illinois | 3 | $ 1,315,000 | $ 438,000 | $ 112,000 |
| Will County Illinois | 3 | $ 362,000 | $ 120,000 | $ 38,000 |
| Fort Bend County Texas | 3 | $ 773,000 | $ 257,000 | $ 126,000 |
| Pima County Arizona | 2 | $ 95,000 | $ 47,000 | $ 64,000 |
| Inyo County California | 2 | $ 307,000 | $ 153,000 | $ 117,000 |
| Kings County California | 2 | $ 106,000 | $ 53,000 | $ 92,000 |
| Mariposa County California | 2 | $ 451,000 | $ 225,000 | $ 74,000 |
| Plumas County California | 2 | $ 389,000 | $ 194,000 | $ 70,000 |
| San Benito County California | 2 | $ 449,000 | $ 224,000 | $ 121,000 |
| Santa Barbara County California | 2 | $ 892,000 | $ 446,000 | $ 124,000 |
| Siskiyou County California | 2 | $ 164,000 | $ 82,000 | $ 75,000 |
| Ventura County California | 2 | $ 574,000 | $ 287,000 | $ 84,000 |
| Douglas County Colorado | 2 | $ 436,000 | $ 218,000 | $ 71,000 |
| Broward County Florida | 2 | $ 431,000 | $ 215,000 | $ 119,000 |
| Lee County Florida | 2 | $ 403,000 | $ 201,000 | $ 118,000 |
| Marion County Florida | 2 | $ 244,000 | $ 122,000 | $ 58,000 |
| Orange County Florida | 2 | $ 261,000 | $ 130,000 | $ 120,000 |
| Hawaii County Hawaii | 2 | $ 253,000 | $ 126,000 | $ 111,000 |
| Blaine County Idaho | 2 | $ 211,000 | $ 105,000 | $ 250,000 |
| DuPage County Illinois | 2 | $ 909,000 | $ 454,000 | $ 186,000 |
| Frederick County Maryland | 2 | $ 471,000 | $ 235,000 | $ 91,000 |
| Montgomery County Maryland | 2 | $ 610,000 | $ 305,000 | $ 105,000 |
| Hennepin County Minnesota | 2 | $ 309,000 | $ 154,000 | $ 79,000 |
| Clay County Missouri | 2 | $ 299,000 | $ 149,000 | $ 107,000 |
| Douglas County Nebraska | 2 | $ 324,000 | $ 162,000 | $ 130,000 |
| Clark County Nevada | 2 | $ 275,000 | $ 137,000 | $ 90,000 |
| Lyon County Nevada | 2 | $ 165,000 | $ 82,000 | $ 60,000 |
| Morris County New Jersey | 2 | $ 745,000 | $ 372,000 | $ 73,000 |
| Richmond County New York | 2 | $ 164,000 | $ 82,000 | $ 53,000 |
| Guilford County North Carolina | 2 | $ 723,000 | $ 361,000 | $ 171,000 |
| Benton County Oregon | 2 | $ 366,000 | $ 183,000 | $ 97,000 |
| Philadelphia County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 150,000 |
| Lexington County South Carolina | 2 | $ 467,000 | $ 233,000 | $ 104,000 |
| Bexar County Texas | 2 | $ 281,000 | $ 140,000 | $ 158,000 |
| Ellis County Texas | 2 | $ 312,000 | $ 156,000 | $ 184,000 |
| Harris County Texas | 2 | $ 371,000 | $ 185,000 | $ 127,000 |
| Fauquier County Virginia | 2 | $ 808,000 | $ 404,000 | $ 197,000 |
| Kitsap County Washington | 2 | $ 374,000 | $ 187,000 | $ 194,000 |
| Spokane County Washington | 2 | $ 180,000 | $ 90,000 | $ 215,000 |
| Baldwin County Alabama | 1 | $ 143,000 | $ 143,000 | $ 63,000 |
| Clarke County Alabama | 1 | $ 184,000 | $ 184,000 | $ 70,000 |
| Lee County Alabama | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
| Navajo County Arizona | 1 | $ 74,000 | $ 74,000 | $ 43,000 |
| Pinal County Arizona | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Santa Cruz County Arizona | 1 | $ 256,000 | $ 256,000 | $ 78,000 |
| Arkansas County Arkansas | 1 | $ 136,000 | $ 136,000 | $ 164,000 |
| Colusa County California | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Mono County California | 1 | $ 189,000 | $ 189,000 | $ 157,000 |
| Tehama County California | 1 | $ 88,000 | $ 88,000 | $ 113,000 |
| Boulder County Colorado | 1 | $ 130,000 | $ 130,000 | $ 89,000 |
| Denver County Colorado | 1 | $ 217,000 | $ 217,000 | $ 110,000 |
| Eagle County Colorado | 1 | $ 204,000 | $ 204,000 | $ 72,000 |
| El Paso County Colorado | 1 | $ 99,000 | $ 99,000 | $ 14,000 |
| Elbert County Colorado | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Jefferson County Colorado | 1 | $ 207,000 | $ 207,000 | $ 119,000 |
| Mineral County Colorado | 1 | $ 80,000 | $ 80,000 | $ 171,000 |
| Hartford County Connecticut | 1 | $ 278,000 | $ 278,000 | $ 446,000 |
| New Castle County Delaware | 1 | $ 82,000 | $ 82,000 | $ 95,000 |
| District of Columbia County District Of Columbia | 1 | $ 233,000 | $ 233,000 | $ 85,000 |
| Brevard County Florida | 1 | $ 212,000 | $ 212,000 | $ 114,000 |
| Clay County Florida | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Collier County Florida | 1 | $ 410,000 | $ 410,000 | $ 185,000 |
| Hernando County Florida | 1 | $ 280,000 | $ 280,000 | $ 394,000 |
| Okaloosa County Florida | 1 | $ 212,000 | $ 212,000 | $ 142,000 |
| Pinellas County Florida | 1 | $ 50,000 | $ 50,000 | $ 107,000 |
| Polk County Florida | 1 | $ 194,000 | $ 194,000 | $ 69,000 |
| Volusia County Florida | 1 | $ 54,000 | $ 54,000 | $ 41,000 |
| Clayton County Georgia | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Fulton County Georgia | 1 | $ 197,000 | $ 197,000 | $ 62,000 |
| Walton County Georgia | 1 | $ 304,000 | $ 304,000 | $ 86,000 |
| Kauai County Hawaii | 1 | $ 100,000 | $ 100,000 | $ 233,000 |
| Maui County Hawaii | 1 | $ 272,000 | $ 272,000 | $ 146,000 |
| Ada County Idaho | 1 | $ 100,000 | $ 100,000 | $ 135,000 |
| Canyon County Idaho | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Clay County Illinois | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| DeKalb County Illinois | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Kendall County Illinois | 1 | $ 199,000 | $ 199,000 | $ 128,000 |
| Sangamon County Illinois | 1 | $ 69,000 | $ 69,000 | $ 19,000 |
| Vermilion County Illinois | 1 | $ 120,000 | $ 120,000 | $ 139,000 |
| Hamilton County Indiana | 1 | $ 310,000 | $ 310,000 | $ 113,000 |
| Johnson County Iowa | 1 | $ 109,000 | $ 109,000 | $ 505,000 |
| Scott County Iowa | 1 | $ 89,000 | $ 89,000 | $ 57,000 |
| Johnson County Kansas | 1 | $ 260,000 | $ 260,000 | $ 109,000 |
| Ascension County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Lafourche County Louisiana | 1 | $ 174,000 | $ 174,000 | $ 123,000 |
| Orleans County Louisiana | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| St. Charles County Louisiana | 1 | $ 154,000 | $ 154,000 | $ 82,000 |
| Washington County Maine | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Baltimore City County Maryland | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Harford County Maryland | 1 | $ 348,000 | $ 348,000 | $ 105,000 |
| Howard County Maryland | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Prince George's County Maryland | 1 | $ 180,000 | $ 180,000 | $ 67,000 |
| Worcester County Maryland | 1 | $ 90,000 | $ 90,000 | $ 153,000 |
| Essex County Massachusetts | 1 | $ 89,000 | $ 89,000 | $ 73,000 |
| Suffolk County Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Worcester County Massachusetts | 1 | $ 124,000 | $ 124,000 | $ 85,000 |
| Cass County Michigan | 1 | $ 296,000 | $ 296,000 | $ 168,000 |
| Ottawa County Michigan | 1 | $ 107,000 | $ 107,000 | $ 169,000 |
| Wayne County Michigan | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Anoka County Minnesota | 1 | $ 184,000 | $ 184,000 | $ 33,000 |
| Ramsey County Minnesota | 1 | $ 77,000 | $ 77,000 | $ 22,000 |
| St. Louis County Minnesota | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Hinds County Mississippi | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Lamar County Mississippi | 1 | $ 186,000 | $ 186,000 | $ 56,000 |
| Lee County Mississippi | 1 | $ 116,000 | $ 116,000 | $ 140,000 |
| Rankin County Mississippi | 1 | $ 153,000 | $ 153,000 | $ 71,000 |
| Cole County Missouri | 1 | $ 102,000 | $ 102,000 | $ 90,000 |
| Franklin County Missouri | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Jackson County Missouri | 1 | $ 375,000 | $ 375,000 | $ 195,000 |
| Pettis County Missouri | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Flathead County Montana | 1 | $ 150,000 | $ 150,000 | $ 71,000 |
| Missoula County Montana | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Churchill County Nevada | 1 | $ 106,000 | $ 106,000 | $ 23,000 |
| Douglas County Nevada | 1 | $ 499,000 | $ 499,000 | $ 112,000 |
| Washoe County Nevada | 1 | $ 294,000 | $ 294,000 | $ 67,000 |
| Essex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 68,000 |
| Gloucester County New Jersey | 1 | $ 186,000 | $ 186,000 | $ 150,000 |
| Hudson County New Jersey | 1 | $ 434,000 | $ 434,000 | $ 180,000 |
| Middlesex County New Jersey | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Sandoval County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 16,000 |
| Nassau County New York | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| New York County New York | 1 | $ 871,000 | $ 871,000 | $ 683,000 |
| Orange County New York | 1 | $ 490,000 | $ 490,000 | $ 162,000 |
| Saratoga County New York | 1 | $ 121,000 | $ 121,000 | $ 93,000 |
| Gaston County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 93,000 |
| Mecklenburg County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 98,000 |
| Pitt County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Wake County North Carolina | 1 | $ 286,000 | $ 286,000 | $ 95,000 |
| Wilson County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 83,000 |
| Cuyahoga County Ohio | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Franklin County Ohio | 1 | $ 417,000 | $ 417,000 | $ 215,000 |
| Hamilton County Ohio | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Stephens County Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 79,000 |
| Clackamas County Oregon | 1 | $ 396,000 | $ 396,000 | $ 120,000 |
| Jackson County Oregon | 1 | $ 217,000 | $ 217,000 | $ 72,000 |
| Lane County Oregon | 1 | $ 109,000 | $ 109,000 | $ 191,000 |
| Marion County Oregon | 1 | $ 122,000 | $ 122,000 | $ 25,000 |
| Polk County Oregon | 1 | $ 120,000 | $ 120,000 | $ 256,000 |
| Wallowa County Oregon | 1 | $ 90,000 | $ 90,000 | $ 7,000 |
| Washington County Oregon | 1 | $ 184,000 | $ 184,000 | $ 73,000 |
| Westmoreland County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 164,000 |
| Kent County Rhode Island | 1 | $ 187,000 | $ 187,000 | $ 110,000 |
| Shelby County Tennessee | 1 | $ 37,000 | $ 37,000 | $ 32,000 |
| Warren County Tennessee | 1 | $ 57,000 | $ 57,000 | $ 104,000 |
| Collin County Texas | 1 | $ 320,000 | $ 320,000 | $ 142,000 |
| Iron County Utah | 1 | $ 157,000 | $ 157,000 | $ 151,000 |
| Arlington County Virginia | 1 | $ 299,000 | $ 299,000 | $ 155,000 |
| Henrico County Virginia | 1 | $ 438,000 | $ 438,000 | $ 160,000 |
| Prince William County Virginia | 1 | $ 118,000 | $ 118,000 | $ 133,000 |
| Clark County Washington | 1 | $ 128,000 | $ 128,000 | $ 112,000 |
| Klickitat County Washington | 1 | $ 97,000 | $ 97,000 | $ 78,000 |
| Pierce County Washington | 1 | $ 223,000 | $ 223,000 | $ 90,000 |
| Skagit County Washington | 1 | $ 188,000 | $ 188,000 | $ 68,000 |
| Snohomish County Washington | 1 | $ 302,000 | $ 302,000 | $ 115,000 |
| Whatcom County Washington | 1 | $ 50,000 | $ 50,000 | $ 71,000 |
| Berkeley County West Virginia | 1 | $ 293,000 | $ 293,000 | $ 107,000 |
| Dodge County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Kenosha County Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 141,000 |
| Walworth County Wisconsin | 1 | $ 244,000 | $ 244,000 | $ 208,000 |
| Waukesha County Wisconsin | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2012
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 | 2,770 | $781,126,000 | $281,000 | $2,000,000 | $115,000 | $1,940,000 |
| Home Purchase | 532 | $136,266,000 | $256,000 | $1,115,000 | $124,000 | $3,561,000 |
| Home Improvement | 465 | $110,343,000 | $237,000 | $1,000,000 | $112,000 | $1,365,000 |
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 | 1,510 | $408,987,000 | $270,000 | $1,440,000 | $118,000 | $3,561,000 |
| White | 1,458 | $392,587,000 | $269,000 | $2,000,000 | $116,000 | $1,365,000 |
| Asian | 366 | $114,895,000 | $313,000 | $1,272,000 | $129,000 | $1,019,000 |
| Hispanic | 257 | $66,898,000 | $260,000 | $1,382,000 | $93,000 | $332,000 |
| Black or African American | 128 | $31,951,000 | $249,000 | $920,000 | $99,000 | $553,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $8,532,000 | $258,000 | $744,000 | $124,000 | $446,000 |
| American Indian or Alaskan Native | 15 | $3,885,000 | $259,000 | $417,000 | $97,000 | $208,000 |
| 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) | 3,767 | $1,027,735,000 | $272,000 | $2,000,000 | $116,000 | $3,561,000 |
| 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 | 1,967 | $528,420,000 | $268,000 | $2,000,000 | $115,000 | $1,940,000 |
| File Closed For Incompleteness | 757 | $217,938,000 | $287,000 | $1,440,000 | $126,000 | $1,300,000 |
| Application Denied By Financial Institution | 623 | $168,855,000 | $271,000 | $1,572,000 | $105,000 | $3,561,000 |
| Application Withdrawn By Applicant | 352 | $94,645,000 | $268,000 | $1,000,000 | $124,000 | $1,365,000 |
| Application Approved But Not Accepted | 68 | $17,877,000 | $262,000 | $910,000 | $107,000 | $361,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 231 | $63,051,000 | $272,000 | $1,382,000 | $70,000 | $342,000 |
| Credit History | 141 | $36,394,000 | $258,000 | $1,040,000 | $112,000 | $446,000 |
| Collateral | 129 | $36,525,000 | $283,000 | $970,000 | $132,000 | $391,000 |
| Other | 75 | $18,211,000 | $242,000 | $1,572,000 | $98,000 | $394,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,896,000 | $326,000 | $856,000 | $142,000 | $410,000 |
| Mortgage Insurance Denied | 6 | $1,966,000 | $327,000 | $409,000 | $94,000 | $128,000 |
| Unverifiable Information | 6 | $1,891,000 | $315,000 | $580,000 | $93,000 | $177,000 |
| Employment History | 6 | $1,644,000 | $274,000 | $390,000 | $84,000 | $215,000 |
| Credit Application Incomplete | 3 | $803,000 | $267,000 | $327,000 | $175,000 | $252,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2012 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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