Patrion Mortgage Fka Rccu Mtg Mortgage Lending & HMDA Data, 2004
In 2004, Patrion Mortgage Fka Rccu Mtg of Riverside, CA reported 1,036 mortgage applications totaling $184.9 million. The average application was for $178,471, and applicants reported an average income of $64,571. 76% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (982), Los Angeles-Long Beach-Glendale, CA (17) and El Centro, CA (10) (applications in parentheses).
| Mortgage Company & Address | Patrion Mortgage Fka Rccu Mtg 2847 Campus Parkway Riverside, CA 92507 |
| Federal Regulator | * available with data download |
| Years | 2004 |
| Total Number of Mortgage Applications | 1,036 |
| Total Mortgage Loan Application Amount | $184,896,000 |
| Average Mortgage Loan Application Amount | $178,471 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $64,571 |
| Highest Applicant Income | $855,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Patrion Mortgage Fka Rccu Mtg filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside, California | 862 | $ 155,199,000 | $ 180,045 | $ 66,000 |
| San Bernardino, California | 120 | $ 18,989,000 | $ 158,241 | $ 56,000 |
| Los Angeles, California | 17 | $ 4,036,000 | $ 237,411 | $ 69,000 |
| Imperial, California | 10 | $ 1,023,000 | $ 102,300 | $ 73,000 |
| Orange, California | 8 | $ 2,691,000 | $ 336,375 | $ 84,000 |
| Fresno, California | 2 | $ 454,000 | $ 227,000 | $ 103,000 |
| Kern, California | 2 | $ 219,000 | $ 109,500 | $ 47,000 |
| San Diego, California | 2 | $ 340,000 | $ 170,000 | $ 63,000 |
| Spokane, Washington | 2 | $ 76,000 | $ 38,000 | $ 42,000 |
| Maricopa, Arizona | 1 | $ 76,000 | $ 76,000 | $ 17,000 |
| Alameda, California | 1 | $ 272,000 | $ 272,000 | $ 54,000 |
| Kings, California | 1 | $ 169,000 | $ 169,000 | $ 53,000 |
| Madera, California | 1 | $ 213,000 | $ 213,000 | $ 105,000 |
| Santa Clara, California | 1 | $ 180,000 | $ 180,000 | $ 31,000 |
| Shasta, California | 1 | $ 153,000 | $ 153,000 | $ 30,000 |
| Sonoma, California | 1 | $ 206,000 | $ 206,000 | $ 31,000 |
| Stanislaus, California | 1 | $ 230,000 | $ 230,000 | $ 66,000 |
| Sutter, California | 1 | $ 102,000 | $ 102,000 | $ 62,000 |
| Tulare, California | 1 | $ 122,000 | $ 122,000 | $ 54,000 |
| Mecklenburg, North Carolina | 1 | $ 146,000 | $ 146,000 | $ 181,000 |
Mortgage Loan Application Detail Totals for Patrion Mortgage Fka Rccu Mtg in 2004
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 | 719 | $132,273,000 | $183,000 | $650,000 | $65,000 | $240,000 |
| Home Purchase | 285 | $46,254,000 | $105,750 | $600,000 | $75,750 | $855,000 |
| Home Improvement | 32 | $6,369,000 | $199,000 | $700,000 | $68,000 | $254,000 |
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 | 373 | $68,545,000 | $122,666 | $553,000 | $93,666 | $855,000 |
| Not Provided | 357 | $63,403,000 | $126,500 | $650,000 | $42,500 | $240,000 |
| Hispanic | 247 | $40,516,000 | $164,000 | $700,000 | $64,000 | $299,000 |
| Black or African American | 33 | $7,155,000 | $216,000 | $474,000 | $71,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,057,000 | $205,000 | $400,000 | $74,000 | $184,000 |
| Asian | 9 | $1,805,000 | $200,000 | $326,000 | $62,000 | $89,000 |
| American Indian or Alaskan Native | 7 | $1,415,000 | $202,000 | $277,000 | $70,000 | $110,000 |
| 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) | 1,036 | $184,896,000 | $109,500 | $700,000 | $76,000 | $855,000 |
| 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 | 788 | $141,525,000 | $162,500 | $650,000 | $123,000 | $855,000 |
| Application Withdrawn By Applicant | 139 | $25,671,000 | $184,000 | $600,000 | $62,000 | $189,000 |
| Application Denied By Financial Institution | 64 | $10,543,000 | $94,666 | $434,000 | $40,333 | $138,000 |
| Application Approved But Not Accepted | 39 | $6,145,000 | $157,000 | $700,000 | $75,000 | $254,000 |
| File Closed For Incompleteness | 6 | $1,012,000 | $168,000 | $332,000 | $53,000 | $117,000 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 5 | $496,000 | $89,000 | $180,000 | $48,000 | $74,000 |
| Credit History | 4 | $601,000 | $150,000 | $190,000 | $65,000 | $81,000 |
| Debt-To-Income Ratio | 4 | $696,000 | $174,000 | $276,000 | $45,000 | $60,000 |
| Collateral | 3 | $415,000 | $138,000 | $234,000 | $58,000 | $103,000 |
| Other | 2 | $357,000 | $178,000 | $235,000 | $49,000 | $60,000 |
| Credit Application Incomplete | 1 | $236,000 | $236,000 | $236,000 | $99,000 | $99,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Patrion Mortgage Fka Rccu Mtg's 2004 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 Patrion Mortgage Fka Rccu Mtg'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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