Patelco Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, Patelco Credit Union of Dublin, CA reported 3,767 mortgage applications totaling $1.0 billion, up 25% from 2011. The average application was for $272,825, and applicants reported an average income of $115,900. 52% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Oakland-Fremont-Hayward, CA (1,429), Sacramento--Arden-Arcade--Roseville, CA (589) and San Francisco-San Mateo-Redwood City, CA (561) (applications in parentheses).
| Mortgage Company & Address | Patelco Credit Union 5050 Hopyard Road Dublin, CA 94568 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $272,825 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $115,900 |
| Highest Applicant Income | $3,561,000 |
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Act (HMDA) records Patelco Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,429 | $ 415,176,000 | $ 290,536 | $ 120,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 589 | $ 123,200,000 | $ 209,168 | $ 94,000 |
| San Francisco-San Mateo-Redwood City, CA | 561 | $ 202,278,000 | $ 360,566 | $ 139,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 214 | $ 74,457,000 | $ 347,929 | $ 127,000 |
| Santa Rosa-Petaluma, CA | 148 | $ 38,034,000 | $ 256,986 | $ 103,000 |
| Vallejo-Fairfield, CA | 133 | $ 28,157,000 | $ 211,706 | $ 97,000 |
| Stockton, CA | 82 | $ 15,908,000 | $ 194,000 | $ 92,000 |
| Chicago-Joliet-Naperville, IL | 35 | $ 7,721,000 | $ 220,600 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 34 | $ 11,557,000 | $ 339,911 | $ 129,000 |
| Santa Cruz-Watsonville, CA | 29 | $ 8,565,000 | $ 295,344 | $ 154,000 |
| Riverside-San Bernardino-Ontario, CA | 26 | $ 5,539,000 | $ 213,038 | $ 137,000 |
| San Diego-Carlsbad-San Marcos, CA | 19 | $ 5,792,000 | $ 304,842 | $ 115,000 |
| Modesto, CA | 18 | $ 2,792,000 | $ 155,111 | $ 94,000 |
| Merced, CA | 17 | $ 3,087,000 | $ 181,588 | $ 105,000 |
| Bakersfield-Delano, CA | 16 | $ 2,565,000 | $ 160,312 | $ 67,000 |
| Fresno, CA | 15 | $ 1,738,000 | $ 115,866 | $ 95,000 |
| Phoenix-Mesa-Glendale, AZ | 13 | $ 1,676,000 | $ 128,923 | $ 123,000 |
| Salinas, CA | 12 | $ 3,359,000 | $ 279,916 | $ 119,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 1,756,000 | $ 175,600 | $ 126,600 |
| Napa, CA | 9 | $ 2,467,000 | $ 274,111 | $ 112,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 9 | $ 1,808,000 | $ 200,888 | $ 113,777 |
| Seattle-Bellevue-Everett, WA | 9 | $ 2,345,000 | $ 260,555 | $ 106,000 |
| Yuba City, CA | 9 | $ 1,741,000 | $ 193,444 | $ 75,000 |
| Chico, CA | 8 | $ 1,418,000 | $ 177,250 | $ 97,000 |
| San Luis Obispo-Paso Robles, CA | 8 | $ 2,327,000 | $ 290,875 | $ 94,000 |
| Santa Ana-Anaheim-Irvine, CA | 8 | $ 3,263,000 | $ 407,875 | $ 149,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 1,109,000 | $ 158,428 | $ 54,000 |
| Albuquerque, NM | 6 | $ 727,000 | $ 121,166 | $ 106,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,638,000 | $ 273,000 | $ 138,666 |
| Denver-Aurora-Broomfield, CO | 5 | $ 1,045,000 | $ 209,000 | $ 89,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 1,144,000 | $ 228,800 | $ 126,000 |
| Redding, CA | 5 | $ 1,212,000 | $ 242,400 | $ 112,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 834,000 | $ 166,800 | $ 174,000 |
| Visalia-Porterville, CA | 5 | $ 824,000 | $ 164,800 | $ 50,000 |
| Bethesda-Rockville-Frederick, MD | 4 | $ 1,081,000 | $ 270,250 | $ 98,000 |
| Honolulu, HI | 4 | $ 868,000 | $ 217,000 | $ 146,000 |
| Kansas City, MO-KS | 4 | $ 934,000 | $ 233,500 | $ 129,250 |
| Lake Havasu City-Kingman, AZ | 4 | $ 541,000 | $ 135,250 | $ 170,000 |
| Madera-Chowchilla, CA | 4 | $ 1,037,000 | $ 259,250 | $ 143,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 570,000 | $ 142,500 | $ 53,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 1,469,000 | $ 367,250 | $ 242,250 |
| Salt Lake City, UT | 4 | $ 923,000 | $ 230,750 | $ 112,000 |
| Baltimore-Towson, MD | 3 | $ 526,000 | $ 175,333 | $ 64,000 |
| Dallas-Plano-Irving, TX | 3 | $ 632,000 | $ 210,666 | $ 170,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,015,000 | $ 338,333 | $ 230,000 |
| Newark-Union, NJ-PA | 3 | $ 995,000 | $ 331,666 | $ 71,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 592,000 | $ 197,333 | $ 110,000 |
| Boise City-Nampa, ID | 2 | $ 218,000 | $ 109,000 | $ 89,000 |
| Bremerton-Silverdale, WA | 2 | $ 374,000 | $ 187,000 | $ 194,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 403,000 | $ 201,500 | $ 118,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 330,000 | $ 165,000 | $ 95,000 |
| Columbia, SC | 2 | $ 467,000 | $ 233,500 | $ 104,000 |
| Corvallis, OR | 2 | $ 366,000 | $ 183,000 | $ 97,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 431,000 | $ 215,500 | $ 119,000 |
| Greensboro-High Point, NC | 2 | $ 723,000 | $ 361,500 | $ 171,000 |
| Hanford-Corcoran, CA | 2 | $ 106,000 | $ 53,000 | $ 92,000 |
| Jackson, MS | 2 | $ 293,000 | $ 146,500 | $ 64,000 |
| Las Vegas-Paradise, NV | 2 | $ 275,000 | $ 137,500 | $ 90,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 272,000 | $ 136,000 | $ 54,000 |
| Ocala, FL | 2 | $ 244,000 | $ 122,000 | $ 58,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 324,000 | $ 162,000 | $ 130,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 261,000 | $ 130,500 | $ 120,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 574,000 | $ 287,000 | $ 84,000 |
| Philadelphia, PA | 2 | $ 380,000 | $ 190,000 | $ 150,000 |
| Salem, OR | 2 | $ 242,000 | $ 121,000 | $ 140,000 |
| San Antonio-New Braunfels, TX | 2 | $ 281,000 | $ 140,500 | $ 158,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 892,000 | $ 446,000 | $ 124,000 |
| Spokane, WA | 2 | $ 180,000 | $ 90,000 | $ 215,000 |
| Tucson, AZ | 2 | $ 95,000 | $ 47,500 | $ 64,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 121,000 | $ 121,000 | $ 93,000 |
| Auburn-Opelika, AL | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
| Baton Rouge, LA | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Bellingham, WA | 1 | $ 50,000 | $ 50,000 | $ 71,000 |
| Boston-Quincy, MA | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Boulder, CO | 1 | $ 130,000 | $ 130,000 | $ 89,000 |
| Camden, NJ | 1 | $ 186,000 | $ 186,000 | $ 150,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Colorado Springs, CO | 1 | $ 99,000 | $ 99,000 | $ 14,000 |
| Columbus, OH | 1 | $ 417,000 | $ 417,000 | $ 215,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 212,000 | $ 212,000 | $ 142,000 |
| Danville, IL | 1 | $ 120,000 | $ 120,000 | $ 139,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 89,000 | $ 89,000 | $ 57,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 54,000 | $ 54,000 | $ 41,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Duluth, MN-WI | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Edison-New Brunswick, NJ | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Eugene-Springfield, OR | 1 | $ 109,000 | $ 109,000 | $ 191,000 |
| Greenville, NC | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 293,000 | $ 293,000 | $ 107,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 278,000 | $ 278,000 | $ 446,000 |
| Hattiesburg, MS | 1 | $ 186,000 | $ 186,000 | $ 56,000 |
| Holland-Grand Haven, MI | 1 | $ 107,000 | $ 107,000 | $ 169,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 174,000 | $ 174,000 | $ 123,000 |
| Indianapolis-Carmel, IN | 1 | $ 310,000 | $ 310,000 | $ 113,000 |
| Iowa City, IA | 1 | $ 109,000 | $ 109,000 | $ 505,000 |
| Jacksonville, FL | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Jefferson City, MO | 1 | $ 102,000 | $ 102,000 | $ 90,000 |
| Lakeland-Winter Haven, FL | 1 | $ 194,000 | $ 194,000 | $ 69,000 |
| Medford, OR | 1 | $ 217,000 | $ 217,000 | $ 72,000 |
| Memphis, TN-MS-AR | 1 | $ 37,000 | $ 37,000 | $ 32,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Missoula, MT | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 188,000 | $ 188,000 | $ 68,000 |
| Naples-Marco Island, FL | 1 | $ 410,000 | $ 410,000 | $ 185,000 |
| Nassau-Suffolk, NY | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 212,000 | $ 212,000 | $ 114,000 |
| Peabody, MA | 1 | $ 89,000 | $ 89,000 | $ 73,000 |
| Pittsburgh, PA | 1 | $ 240,000 | $ 240,000 | $ 164,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 490,000 | $ 490,000 | $ 162,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 187,000 | $ 187,000 | $ 110,000 |
| Raleigh-Cary, NC | 1 | $ 286,000 | $ 286,000 | $ 95,000 |
| Reno-Sparks, NV | 1 | $ 294,000 | $ 294,000 | $ 67,000 |
| Richmond, VA | 1 | $ 438,000 | $ 438,000 | $ 160,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 296,000 | $ 296,000 | $ 168,000 |
| Springfield, IL | 1 | $ 69,000 | $ 69,000 | $ 19,000 |
| St. Louis, MO-IL | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Tacoma, WA | 1 | $ 223,000 | $ 223,000 | $ 90,000 |
| Wilmington, DE-MD-NJ | 1 | $ 82,000 | $ 82,000 | $ 95,000 |
| Worcester, MA | 1 | $ 124,000 | $ 124,000 | $ 85,000 |
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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