MUFG Union Bank, National Association Mortgage Lending & HMDA Data, 2016
In 2016, MUFG Union Bank, National Association of San Diego, CA reported 22,973 mortgage applications totaling $17.0 billion, up 39% from 2015. The average application was for $739,482, and applicants reported an average income of $240,781. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,770), Anaheim-Santa Ana-Irvine, CA (2,896) and San Diego-Carlsbad, CA (2,586) (applications in parentheses).
| Mortgage Company & Address | MUFG Union Bank, National Association 9865 Towne Centre Drive, 3rd Floor San Diego, CA 92121 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 22,973 |
| Total Mortgage Loan Application Amount | $16,988,141,000 |
| Average Mortgage Loan Application Amount | $739,482 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $240,781 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records MUFG Union Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles, California | 5,770 | $ 4,830,831,000 | $ 837,232 | $ 286,000 |
| Orange, California | 2,896 | $ 2,230,114,000 | $ 770,066 | $ 274,000 |
| San Diego, California | 2,586 | $ 1,721,012,000 | $ 665,511 | $ 207,000 |
| Santa Clara, California | 1,624 | $ 1,372,936,000 | $ 845,403 | $ 225,000 |
| Alameda, California | 1,185 | $ 808,633,000 | $ 682,390 | $ 200,000 |
| King, Washington | 974 | $ 723,922,000 | $ 743,246 | $ 243,000 |
| Contra Costa, California | 947 | $ 682,948,000 | $ 721,170 | $ 233,000 |
| San Mateo, California | 684 | $ 624,115,000 | $ 912,448 | $ 268,000 |
| San Francisco, California | 648 | $ 605,756,000 | $ 934,808 | $ 322,000 |
| Riverside, California | 600 | $ 408,047,000 | $ 680,078 | $ 200,000 |
| Ventura, California | 586 | $ 412,780,000 | $ 704,402 | $ 233,000 |
| Santa Barbara, California | 538 | $ 437,570,000 | $ 813,327 | $ 267,000 |
| Marin, California | 410 | $ 400,001,000 | $ 975,612 | $ 318,000 |
| San Bernardino, California | 354 | $ 153,181,000 | $ 432,714 | $ 144,000 |
| San Joaquin, California | 304 | $ 103,396,000 | $ 340,118 | $ 124,000 |
| Monterey, California | 264 | $ 167,611,000 | $ 634,890 | $ 236,000 |
| Fresno, California | 205 | $ 42,299,000 | $ 206,336 | $ 95,000 |
| Snohomish, Washington | 200 | $ 77,339,000 | $ 386,695 | $ 118,000 |
| Kern, California | 153 | $ 27,534,000 | $ 179,960 | $ 80,000 |
| Sacramento, California | 147 | $ 47,763,000 | $ 324,918 | $ 136,000 |
| Santa Cruz, California | 144 | $ 93,261,000 | $ 647,645 | $ 208,000 |
| Placer, California | 111 | $ 76,381,000 | $ 688,117 | $ 445,000 |
| Sonoma, California | 107 | $ 79,725,000 | $ 745,093 | $ 270,000 |
| Tulare, California | 105 | $ 18,209,000 | $ 173,419 | $ 99,000 |
| Multnomah, Oregon | 98 | $ 47,849,000 | $ 488,255 | $ 188,000 |
| Cook, Illinois | 73 | $ 92,528,000 | $ 1,267,506 | $ 70,000 |
| San Luis Obispo, California | 67 | $ 40,104,000 | $ 598,567 | $ 221,000 |
| Stanislaus, California | 65 | $ 15,708,000 | $ 241,661 | $ 116,000 |
| San Benito, California | 55 | $ 17,667,000 | $ 321,218 | $ 107,000 |
| Solano, California | 55 | $ 25,631,000 | $ 466,018 | $ 164,000 |
| Dallas, Texas | 51 | $ 8,020,000 | $ 157,254 | $ 97,000 |
| Harris, Texas | 49 | $ 7,413,000 | $ 151,285 | $ 68,000 |
| El Dorado, California | 48 | $ 26,881,000 | $ 560,020 | $ 315,000 |
| Madera, California | 48 | $ 9,648,000 | $ 201,000 | $ 79,000 |
| Napa, California | 48 | $ 47,745,000 | $ 994,687 | $ 490,000 |
| Yolo, California | 42 | $ 18,354,000 | $ 437,000 | $ 201,000 |
| Clackamas, Oregon | 41 | $ 26,274,000 | $ 640,829 | $ 248,000 |
| Washington, Oregon | 38 | $ 17,529,000 | $ 461,289 | $ 194,000 |
| Pierce, Washington | 36 | $ 16,093,000 | $ 447,027 | $ 186,000 |
| Cobb, Georgia | 34 | $ 5,815,000 | $ 171,029 | $ 58,000 |
| Kitsap, Washington | 34 | $ 24,413,000 | $ 718,029 | $ 366,000 |
| Kings, California | 30 | $ 5,087,000 | $ 169,566 | $ 88,000 |
| DeKalb, Georgia | 27 | $ 4,813,000 | $ 178,259 | $ 84,000 |
| Imperial, California | 25 | $ 3,784,000 | $ 151,360 | $ 101,000 |
| Denton, Texas | 25 | $ 3,494,000 | $ 139,760 | $ 56,000 |
| Clark, Washington | 25 | $ 12,343,000 | $ 493,720 | $ 134,000 |
| Kings, New York | 24 | $ 10,050,000 | $ 418,750 | $ 113,000 |
| Fulton, Georgia | 23 | $ 4,119,000 | $ 179,086 | $ 75,000 |
| Bronx, New York | 23 | $ 8,064,000 | $ 350,608 | $ 107,000 |
| Collin, Texas | 18 | $ 2,499,000 | $ 138,833 | $ 52,000 |
| Nevada, California | 17 | $ 10,459,000 | $ 615,235 | $ 284,000 |
| Merced, California | 16 | $ 3,079,000 | $ 192,437 | $ 72,000 |
| Mono, California | 16 | $ 6,705,000 | $ 419,062 | $ 371,000 |
| DuPage, Illinois | 16 | $ 2,474,000 | $ 154,625 | $ 51,000 |
| Richmond, New York | 16 | $ 3,958,000 | $ 247,375 | $ 58,000 |
| Deschutes, Oregon | 16 | $ 11,384,000 | $ 711,500 | $ 281,000 |
| Westchester, New York | 14 | $ 3,687,000 | $ 263,357 | $ 109,000 |
| Shasta, California | 11 | $ 2,275,000 | $ 206,818 | $ 112,000 |
| Fort Bend, Texas | 11 | $ 1,687,000 | $ 153,363 | $ 46,000 |
| Montgomery, Texas | 11 | $ 1,748,000 | $ 158,909 | $ 55,000 |
| Queens, New York | 10 | $ 4,046,000 | $ 404,600 | $ 72,000 |
| Sutter, California | 9 | $ 1,568,000 | $ 174,222 | $ 60,000 |
| Will, Illinois | 7 | $ 860,000 | $ 122,857 | $ 45,000 |
| Marion, Oregon | 7 | $ 1,300,000 | $ 185,714 | $ 46,000 |
| Butte, California | 6 | $ 1,116,000 | $ 186,000 | $ 86,000 |
| Galveston, Texas | 6 | $ 892,000 | $ 148,666 | $ 65,000 |
| Island, Washington | 6 | $ 2,633,000 | $ 438,833 | $ 325,000 |
| Calaveras, California | 5 | $ 2,139,000 | $ 427,800 | $ 252,000 |
| Mendocino, California | 5 | $ 2,960,000 | $ 592,000 | $ 228,000 |
| Orange, New York | 5 | $ 799,000 | $ 159,800 | $ 61,000 |
| Benton, Washington | 5 | $ 1,920,000 | $ 384,000 | $ 123,000 |
| Chelan, Washington | 5 | $ 2,766,000 | $ 553,200 | $ 446,000 |
| San Juan, Washington | 5 | $ 3,600,000 | $ 720,000 | $ 683,000 |
| Humboldt, California | 4 | $ 927,000 | $ 231,750 | $ 170,000 |
| Inyo, California | 4 | $ 965,000 | $ 241,250 | $ 280,000 |
| Lake, California | 4 | $ 1,048,000 | $ 262,000 | $ 123,000 |
| Douglas, Georgia | 4 | $ 563,000 | $ 140,750 | $ 43,000 |
| Brazoria, Texas | 4 | $ 678,000 | $ 169,500 | $ 101,000 |
| Thurston, Washington | 4 | $ 3,866,000 | $ 966,500 | $ 74,000 |
| Whatcom, Washington | 4 | $ 3,052,000 | $ 763,000 | $ 411,000 |
| Amador, California | 3 | $ 1,011,000 | $ 337,000 | $ 259,000 |
| Tuolumne, California | 3 | $ 609,000 | $ 203,000 | $ 236,000 |
| Clayton, Georgia | 3 | $ 397,000 | $ 132,333 | $ 46,000 |
| Gwinnett, Georgia | 3 | $ 651,000 | $ 217,000 | $ 49,000 |
| McHenry, Illinois | 3 | $ 289,000 | $ 96,333 | $ 38,000 |
| Benton, Oregon | 3 | $ 1,064,000 | $ 354,666 | $ 294,000 |
| Lane, Oregon | 3 | $ 969,000 | $ 323,000 | $ 191,000 |
| Lincoln, Oregon | 3 | $ 495,000 | $ 165,000 | $ 67,000 |
| Linn, Oregon | 3 | $ 558,000 | $ 186,000 | $ 99,000 |
| Clallam, Washington | 3 | $ 720,000 | $ 240,000 | $ 104,000 |
| Skagit, Washington | 3 | $ 726,000 | $ 242,000 | $ 71,000 |
| Siskiyou, California | 2 | $ 338,000 | $ 169,000 | $ 44,000 |
| Yuba, California | 2 | $ 543,000 | $ 271,500 | $ 130,000 |
| Kendall, Illinois | 2 | $ 255,000 | $ 127,500 | $ 46,000 |
| Rockland, New York | 2 | $ 541,000 | $ 270,500 | $ 58,000 |
| Jackson, Oregon | 2 | $ 1,004,000 | $ 502,000 | $ 274,000 |
| Chambers, Texas | 2 | $ 215,000 | $ 107,500 | $ 40,000 |
| Ellis, Texas | 2 | $ 239,000 | $ 119,500 | $ 50,000 |
| Cowlitz, Washington | 2 | $ 472,000 | $ 236,000 | $ 79,000 |
| Grays Harbor, Washington | 2 | $ 434,000 | $ 217,000 | $ 65,000 |
| Kittitas, Washington | 2 | $ 1,490,000 | $ 745,000 | $ 283,000 |
| Spokane, Washington | 2 | $ 643,000 | $ 321,500 | $ 135,000 |
| Anchorage, Alaska | 1 | $ 8,000,000 | $ 8,000,000 | $ 0 |
| Alpine, California | 1 | $ 417,000 | $ 417,000 | $ 422,000 |
| Mariposa, California | 1 | $ 436,000 | $ 436,000 | $ 303,000 |
| Cherokee, Georgia | 1 | $ 190,000 | $ 190,000 | $ 50,000 |
| Hennepin, Minnesota | 1 | $ 34,240,000 | $ 34,240,000 | $ 0 |
| Clark, Nevada | 1 | $ 14,500,000 | $ 14,500,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 99,999,000 | $ 99,999,000 | $ 0 |
| New York, New York | 1 | $ 75,000,000 | $ 75,000,000 | $ 0 |
| Coos, Oregon | 1 | $ 350,000 | $ 350,000 | $ 49,000 |
| Curry, Oregon | 1 | $ 196,000 | $ 196,000 | $ 56,000 |
| Hood River, Oregon | 1 | $ 735,000 | $ 735,000 | $ 913,000 |
| Polk, Oregon | 1 | $ 112,000 | $ 112,000 | $ 31,000 |
| Tillamook, Oregon | 1 | $ 709,000 | $ 709,000 | $ 90,000 |
| Wasco, Oregon | 1 | $ 654,000 | $ 654,000 | $ 324,000 |
| Kaufman, Texas | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Rockwall, Texas | 1 | $ 178,000 | $ 178,000 | $ 56,000 |
| Salt Lake, Utah | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Jefferson, Washington | 1 | $ 575,000 | $ 575,000 | $ 187,000 |
| Lincoln, Washington | 1 | $ 243,000 | $ 243,000 | $ 184,000 |
| Mason, Washington | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
| Walla Walla, Washington | 1 | $ 212,000 | $ 212,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for MUFG Union Bank, National Association in 2016
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 | 12,690 | $8,777,241,000 | $691,000 | $99,999,000 | $224,000 | $9,999,000 |
| Home Purchase | 8,521 | $7,020,628,000 | $823,000 | $68,600,000 | $274,000 | $9,999,000 |
| Home Improvement | 1,762 | $1,190,272,000 | $675,000 | $24,000,000 | $201,000 | $3,503,000 |
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 | 11,480 | $9,598,638,000 | $836,000 | $55,590,000 | $297,000 | $9,999,000 |
| Not applicable | 3,802 | $2,212,908,000 | $582,000 | $99,999,000 | $86,000 | $3,004,000 |
| Asian | 2,817 | $2,055,911,000 | $729,000 | $3,771,000 | $229,000 | $7,890,000 |
| Not Provided | 2,556 | $2,156,086,000 | $843,000 | $11,220,000 | $324,000 | $8,832,000 |
| Hispanic | 1,921 | $734,288,000 | $382,000 | $3,050,000 | $126,000 | $3,503,000 |
| Black or African American | 287 | $169,111,000 | $589,000 | $5,000,000 | $223,000 | $7,371,000 |
| Native Hawaiin or Other Pacific Islander | 67 | $33,482,000 | $499,000 | $1,348,000 | $138,000 | $431,000 |
| American Indian or Alaskan Native | 43 | $27,717,000 | $644,000 | $2,054,000 | $179,000 | $682,000 |
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) | 22,585 | $16,883,912,000 | $747,000 | $99,999,000 | $244,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 388 | $104,229,000 | $268,000 | $636,000 | $61,000 | $386,000 |
| 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 | 13,654 | $11,351,068,000 | $831,000 | $99,999,000 | $278,000 | $9,999,000 |
| Loan Purchased By The Institution | 3,561 | $978,881,000 | $274,000 | $867,000 | $92,000 | $3,004,000 |
| Application Denied By Financial Institution | 3,300 | $2,619,271,000 | $793,000 | $12,500,000 | $210,000 | $5,223,000 |
| Application Withdrawn By Applicant | 1,972 | $1,581,990,000 | $802,000 | $44,110,000 | $275,000 | $9,999,000 |
| File Closed For Incompleteness | 353 | $291,899,000 | $826,000 | $5,400,000 | $324,000 | $6,187,000 |
| Application Approved But Not Accepted | 133 | $165,032,000 | $1,240,000 | $55,590,000 | $415,000 | $6,342,000 |
| 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 | 1,471 | $1,279,382,000 | $869,000 | $11,220,000 | $155,000 | $2,673,000 |
| Collateral | 647 | $450,964,000 | $697,000 | $12,500,000 | $253,000 | $5,082,000 |
| Credit History | 551 | $398,416,000 | $723,000 | $4,125,000 | $253,000 | $5,223,000 |
| Credit Application Incomplete | 254 | $160,994,000 | $633,000 | $7,251,000 | $211,000 | $2,400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 151 | $138,067,000 | $914,000 | $5,000,000 | $299,000 | $2,925,000 |
| Other | 108 | $96,403,000 | $892,000 | $7,500,000 | $299,000 | $2,031,000 |
| Unverifiable Information | 96 | $81,998,000 | $854,000 | $5,000,000 | $317,000 | $3,151,000 |
| Employment History | 22 | $13,047,000 | $593,000 | $1,330,000 | $54,000 | $255,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into MUFG Union Bank, National Association's 2016 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 MUFG Union Bank, National Association'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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