Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Patelco Credit Union 2013 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 | 3,821 |
| Total Mortgage Loan Application Amount | $1,190,694,000 |
| Average Mortgage Loan Application Amount | $294,666 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $129,666 |
| Highest Applicant Income | $2,641,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 805 | $ 268,988,000 | $ 334,000 | $ 130,000 |
| Alameda County California | 780 | $ 261,881,000 | $ 335,000 | $ 130,000 |
| Sacramento County California | 418 | $ 83,637,000 | $ 200,000 | $ 91,000 |
| San Mateo County California | 255 | $ 99,650,000 | $ 390,000 | $ 133,000 |
| Santa Clara County California | 210 | $ 91,947,000 | $ 437,000 | $ 143,000 |
| San Francisco County California | 198 | $ 82,191,000 | $ 415,000 | $ 149,000 |
| Placer County California | 175 | $ 42,983,000 | $ 245,000 | $ 109,000 |
| Sonoma County California | 144 | $ 38,213,000 | $ 265,000 | $ 102,000 |
| Solano County California | 139 | $ 33,278,000 | $ 239,000 | $ 115,000 |
| Marin County California | 81 | $ 33,147,000 | $ 409,000 | $ 144,000 |
| San Joaquin County California | 62 | $ 13,140,000 | $ 211,000 | $ 82,000 |
| El Dorado County California | 54 | $ 17,094,000 | $ 316,000 | $ 142,000 |
| Santa Cruz County California | 46 | $ 19,615,000 | $ 426,000 | $ 146,000 |
| Los Angeles County California | 39 | $ 13,955,000 | $ 357,000 | $ 132,000 |
| San Diego County California | 29 | $ 10,288,000 | $ 354,000 | $ 127,000 |
| Calaveras County California | 21 | $ 4,060,000 | $ 193,000 | $ 144,000 |
| Napa County California | 21 | $ 6,760,000 | $ 321,000 | $ 109,000 |
| Nevada County California | 21 | $ 6,118,000 | $ 291,000 | $ 134,000 |
| Merced County California | 19 | $ 2,127,000 | $ 111,000 | $ 78,000 |
| Stanislaus County California | 19 | $ 3,194,000 | $ 168,000 | $ 100,000 |
| Riverside County California | 16 | $ 3,055,000 | $ 190,000 | $ 109,000 |
| Kern County California | 15 | $ 2,304,000 | $ 153,000 | $ 72,000 |
| Orange County California | 15 | $ 5,812,000 | $ 387,000 | $ 167,000 |
| Lake County California | 14 | $ 3,058,000 | $ 218,000 | $ 129,000 |
| Cook County Illinois | 14 | $ 2,410,000 | $ 172,000 | $ 169,000 |
| Yolo County California | 13 | $ 3,388,000 | $ 260,000 | $ 113,000 |
| Fresno County California | 10 | $ 1,060,000 | $ 106,000 | $ 213,000 |
| Shasta County California | 10 | $ 2,165,000 | $ 216,000 | $ 96,000 |
| Maricopa County Arizona | 8 | $ 1,837,000 | $ 229,000 | $ 200,000 |
| Amador County California | 8 | $ 1,426,000 | $ 178,000 | $ 100,000 |
| Butte County California | 8 | $ 1,747,000 | $ 218,000 | $ 75,000 |
| Mendocino County California | 8 | $ 1,983,000 | $ 247,000 | $ 116,000 |
| Tuolumne County California | 8 | $ 1,320,000 | $ 165,000 | $ 122,000 |
| Humboldt County California | 6 | $ 800,000 | $ 133,000 | $ 90,000 |
| Monterey County California | 5 | $ 1,270,000 | $ 254,000 | $ 92,000 |
| San Luis Obispo County California | 4 | $ 1,090,000 | $ 272,000 | $ 69,000 |
| Del Norte County California | 3 | $ 420,000 | $ 140,000 | $ 48,000 |
| Madera County California | 3 | $ 774,000 | $ 258,000 | $ 103,000 |
| Mariposa County California | 3 | $ 298,000 | $ 99,000 | $ 64,000 |
| San Bernardino County California | 3 | $ 477,000 | $ 159,000 | $ 133,000 |
| Tehama County California | 3 | $ 316,000 | $ 105,000 | $ 79,000 |
| Tulare County California | 3 | $ 483,000 | $ 161,000 | $ 103,000 |
| Miami-Dade County Florida | 3 | $ 594,000 | $ 198,000 | $ 103,000 |
| Honolulu County Hawaii | 3 | $ 593,000 | $ 197,000 | $ 165,000 |
| Chester County Pennsylvania | 3 | $ 273,000 | $ 91,000 | $ 37,000 |
| Lassen County California | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Sutter County California | 2 | $ 300,000 | $ 150,000 | $ 114,000 |
| Ventura County California | 2 | $ 1,017,000 | $ 508,000 | $ 180,000 |
| Lafayette County Louisiana | 2 | $ 112,000 | $ 56,000 | $ 57,000 |
| Montgomery County Maryland | 2 | $ 287,000 | $ 143,000 | $ 74,000 |
| Washington County Minnesota | 2 | $ 428,000 | $ 214,000 | $ 118,000 |
| Santa Fe County New Mexico | 2 | $ 565,000 | $ 282,000 | $ 81,000 |
| Orange County North Carolina | 2 | $ 592,000 | $ 296,000 | $ 203,000 |
| Delaware County Oklahoma | 2 | $ 109,000 | $ 54,000 | $ 220,000 |
| Multnomah County Oregon | 2 | $ 556,000 | $ 278,000 | $ 124,000 |
| Pierce County Washington | 2 | $ 348,000 | $ 174,000 | $ 181,000 |
| Snohomish County Washington | 2 | $ 610,000 | $ 305,000 | $ 99,000 |
| Mohave County Arizona | 1 | $ 110,000 | $ 110,000 | $ 156,000 |
| Pima County Arizona | 1 | $ 179,000 | $ 179,000 | $ 89,000 |
| Santa Cruz County Arizona | 1 | $ 110,000 | $ 110,000 | $ 189,000 |
| Alpine County California | 1 | $ 210,000 | $ 210,000 | $ 261,000 |
| San Benito County California | 1 | $ 200,000 | $ 200,000 | $ 196,000 |
| Santa Barbara County California | 1 | $ 376,000 | $ 376,000 | $ 214,000 |
| Sierra County California | 1 | $ 143,000 | $ 143,000 | $ 113,000 |
| Trinity County California | 1 | $ 161,000 | $ 161,000 | $ 114,000 |
| Arapahoe County Colorado | 1 | $ 191,000 | $ 191,000 | $ 222,000 |
| Broomfield County Colorado | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
| Douglas County Colorado | 1 | $ 512,000 | $ 512,000 | $ 151,000 |
| Eagle County Colorado | 1 | $ 324,000 | $ 324,000 | $ 120,000 |
| Larimer County Colorado | 1 | $ 103,000 | $ 103,000 | $ 196,000 |
| Brevard County Florida | 1 | $ 141,000 | $ 141,000 | $ 121,000 |
| Broward County Florida | 1 | $ 80,000 | $ 80,000 | $ 177,000 |
| Collier County Florida | 1 | $ 115,000 | $ 115,000 | $ 122,000 |
| Hillsborough County Florida | 1 | $ 169,000 | $ 169,000 | $ 82,000 |
| Lake County Florida | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Marion County Florida | 1 | $ 99,000 | $ 99,000 | $ 34,000 |
| Palm Beach County Florida | 1 | $ 176,000 | $ 176,000 | $ 149,000 |
| Pinellas County Florida | 1 | $ 122,000 | $ 122,000 | $ 87,000 |
| DeKalb County Georgia | 1 | $ 214,000 | $ 214,000 | $ 180,000 |
| Walton County Georgia | 1 | $ 144,000 | $ 144,000 | $ 120,000 |
| Hawaii County Hawaii | 1 | $ 140,000 | $ 140,000 | $ 44,000 |
| Maui County Hawaii | 1 | $ 351,000 | $ 351,000 | $ 74,000 |
| DuPage County Illinois | 1 | $ 210,000 | $ 210,000 | $ 155,000 |
| Kane County Illinois | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Lake County Illinois | 1 | $ 442,000 | $ 442,000 | $ 244,000 |
| Vermilion County Illinois | 1 | $ 101,000 | $ 101,000 | $ 77,000 |
| Will County Illinois | 1 | $ 240,000 | $ 240,000 | $ 168,000 |
| Polk County Iowa | 1 | $ 298,000 | $ 298,000 | $ 104,000 |
| Robertson County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 100,000 |
| Ascension County Louisiana | 1 | $ 380,000 | $ 380,000 | $ 130,000 |
| East Baton Rouge County Louisiana | 1 | $ 120,000 | $ 120,000 | $ 88,000 |
| Cumberland County Maine | 1 | $ 396,000 | $ 396,000 | $ 199,000 |
| Prince George's County Maryland | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Worcester County Massachusetts | 1 | $ 382,000 | $ 382,000 | $ 98,000 |
| Oakland County Michigan | 1 | $ 198,000 | $ 198,000 | $ 152,000 |
| Wayne County Michigan | 1 | $ 417,000 | $ 417,000 | $ 215,000 |
| Hennepin County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Ramsey County Minnesota | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| Hinds County Mississippi | 1 | $ 149,000 | $ 149,000 | $ 30,000 |
| Platte County Missouri | 1 | $ 62,000 | $ 62,000 | $ 92,000 |
| St. Louis County Missouri | 1 | $ 184,000 | $ 184,000 | $ 190,000 |
| Adams County Nebraska | 1 | $ 62,000 | $ 62,000 | $ 34,000 |
| Lancaster County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Sandoval County New Mexico | 1 | $ 139,000 | $ 139,000 | $ 43,000 |
| Westchester County New York | 1 | $ 300,000 | $ 300,000 | $ 150,000 |
| Buncombe County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 219,000 |
| Cabarrus County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Union County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Wake County North Carolina | 1 | $ 114,000 | $ 114,000 | $ 141,000 |
| Tulsa County Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 118,000 |
| Clackamas County Oregon | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Lane County Oregon | 1 | $ 120,000 | $ 120,000 | $ 135,000 |
| Washington County Oregon | 1 | $ 372,000 | $ 372,000 | $ 68,000 |
| Philadelphia County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 235,000 |
| Greenville County South Carolina | 1 | $ 234,000 | $ 234,000 | $ 66,000 |
| Shelby County Tennessee | 1 | $ 246,000 | $ 246,000 | $ 88,000 |
| Washington County Utah | 1 | $ 53,000 | $ 53,000 | $ 36,000 |
| Arlington County Virginia | 1 | $ 286,000 | $ 286,000 | $ 151,000 |
| Fairfax County Virginia | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Hampton County Virginia | 1 | $ 216,000 | $ 216,000 | $ 136,000 |
| Henrico County Virginia | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| Rockbridge County Virginia | 1 | $ 375,000 | $ 375,000 | $ 125,000 |
| Clallam County Washington | 1 | $ 68,000 | $ 68,000 | $ 28,000 |
| Clark County Washington | 1 | $ 129,000 | $ 129,000 | $ 135,000 |
| King County Washington | 1 | $ 200,000 | $ 200,000 | $ 264,000 |
| Kitsap County Washington | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Spokane County Washington | 1 | $ 143,000 | $ 143,000 | $ 112,000 |
| Thurston County Washington | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Washakie County Wyoming | 1 | $ 165,000 | $ 165,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2013
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 | 3,123 | $958,619,000 | $306,000 | $2,000,000 | $120,000 | $2,641,000 |
| Home Purchase | 517 | $195,962,000 | $379,000 | $1,500,000 | $146,000 | $1,637,000 |
| Home Improvement | 181 | $36,113,000 | $199,000 | $1,439,000 | $123,000 | $484,000 |
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 | 1,482 | $480,198,000 | $324,000 | $1,500,000 | $134,000 | $2,641,000 |
| White | 1,408 | $423,039,000 | $300,000 | $2,000,000 | $120,000 | $1,046,000 |
| Asian | 463 | $163,803,000 | $353,000 | $1,800,000 | $124,000 | $942,000 |
| Hispanic | 286 | $79,466,000 | $277,000 | $972,000 | $103,000 | $482,000 |
| Black or African American | 124 | $29,803,000 | $240,000 | $960,000 | $95,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 38 | $9,319,000 | $245,000 | $593,000 | $123,000 | $214,000 |
| American Indian or Alaskan Native | 20 | $5,066,000 | $253,000 | $630,000 | $91,000 | $223,000 |
| 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) | 3,821 | $1,190,694,000 | $311,000 | $2,000,000 | $124,000 | $2,641,000 |
| 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 | 2,105 | $654,560,000 | $310,000 | $1,800,000 | $124,000 | $1,355,000 |
| Application Denied By Financial Institution | 730 | $228,590,000 | $313,000 | $1,500,000 | $108,000 | $2,641,000 |
| File Closed For Incompleteness | 718 | $223,312,000 | $311,000 | $2,000,000 | $136,000 | $1,637,000 |
| Application Withdrawn By Applicant | 237 | $73,929,000 | $311,000 | $1,000,000 | $135,000 | $625,000 |
| Application Approved But Not Accepted | 31 | $10,303,000 | $332,000 | $950,000 | $127,000 | $295,000 |
| 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 | 321 | $98,734,000 | $307,000 | $1,089,000 | $74,000 | $340,000 |
| Collateral | 125 | $43,464,000 | $347,000 | $1,500,000 | $132,000 | $450,000 |
| Credit History | 125 | $36,984,000 | $295,000 | $724,000 | $146,000 | $2,641,000 |
| Other | 105 | $31,918,000 | $303,000 | $1,100,000 | $133,000 | $638,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $8,658,000 | $346,000 | $825,000 | $150,000 | $942,000 |
| Unverifiable Information | 13 | $4,679,000 | $359,000 | $805,000 | $98,000 | $238,000 |
| Employment History | 6 | $1,178,000 | $196,000 | $344,000 | $59,000 | $100,000 |
| Mortgage Insurance Denied | 3 | $1,502,000 | $500,000 | $629,000 | $115,000 | $128,000 |
| Credit Application Incomplete | 2 | $237,000 | $118,000 | $130,000 | $76,000 | $131,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2013 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.