MUFG Union Bank, National Association Mortgage Lending & HMDA Data, 2017
In 2017, MUFG Union Bank, National Association of San Diego, CA reported 23,304 mortgage applications totaling $17.8 billion, up 1% from 2016. The average application was for $761,929, and applicants reported an average income of $236,141. 60% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,907), Oakland-Hayward-Berkeley, CA (2,738) and Anaheim-Santa Ana-Irvine, CA (2,582) (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 | 23,304 |
| Total Mortgage Loan Application Amount | $17,756,013,000 |
| Average Mortgage Loan Application Amount | $761,929 |
| Highest Mortgage Loan Application Amount | $151,700,000 |
| Average Applicant Income | $236,141 |
| Highest Applicant Income | $21,058,000 |
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MUFG Union Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 5,907 | $ 4,672,448,000 | $ 791,001 | $ 266,000 |
| Oakland-Hayward-Berkeley, CA | 2,738 | $ 1,849,188,000 | $ 675,379 | $ 199,000 |
| Anaheim-Santa Ana-Irvine, CA | 2,582 | $ 2,082,964,000 | $ 806,725 | $ 287,000 |
| San Diego-Carlsbad, CA | 2,252 | $ 1,536,354,000 | $ 682,217 | $ 219,000 |
| Seattle-Bellevue-Everett, WA | 1,751 | $ 1,402,915,000 | $ 801,207 | $ 191,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,731 | $ 1,487,352,000 | $ 859,244 | $ 232,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1,378 | $ 1,303,671,000 | $ 946,060 | $ 282,000 |
| Riverside-San Bernardino-Ontario, CA | 1,012 | $ 465,348,000 | $ 459,830 | $ 193,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 555 | $ 364,487,000 | $ 656,733 | $ 230,000 |
| Santa Maria-Santa Barbara, CA | 475 | $ 376,294,000 | $ 792,197 | $ 245,000 |
| San Rafael, CA | 373 | $ 379,361,000 | $ 1,017,053 | $ 304,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 308 | $ 174,676,000 | $ 567,129 | $ 291,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 272 | $ 130,677,000 | $ 480,430 | $ 161,323 |
| Stockton-Lodi, CA | 267 | $ 109,011,000 | $ 408,280 | $ 143,000 |
| Fresno, CA | 232 | $ 41,247,000 | $ 177,788 | $ 95,000 |
| Salinas, CA | 205 | $ 145,768,000 | $ 711,063 | $ 238,000 |
| Bakersfield, CA | 131 | $ 21,303,000 | $ 162,618 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 128 | $ 88,228,000 | $ 689,281 | $ 221,000 |
| Visalia-Porterville, CA | 113 | $ 16,515,000 | $ 146,150 | $ 67,000 |
| Santa Rosa, CA | 107 | $ 80,024,000 | $ 747,887 | $ 290,000 |
| Vallejo-Fairfield, CA | 58 | $ 25,218,000 | $ 434,793 | $ 154,000 |
| Modesto, CA | 55 | $ 15,730,000 | $ 286,000 | $ 130,000 |
| Napa, CA | 55 | $ 55,260,000 | $ 1,004,727 | $ 388,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 54 | $ 35,133,000 | $ 650,611 | $ 200,000 |
| Chicago-Naperville-Arlington Heights, IL | 53 | $ 89,487,000 | $ 1,688,433 | $ 224,000 |
| Tacoma-Lakewood, WA | 46 | $ 27,621,000 | $ 600,456 | $ 200,000 |
| Bremerton-Silverdale, WA | 44 | $ 27,970,000 | $ 635,681 | $ 228,000 |
| El Centro, CA | 33 | $ 4,556,000 | $ 138,060 | $ 84,000 |
| Madera, CA | 30 | $ 5,500,000 | $ 183,333 | $ 78,000 |
| Houston-The Woodlands-Sugar Land, TX | 29 | $ 4,196,000 | $ 144,689 | $ 69,000 |
| Hanford-Corcoran, CA | 25 | $ 3,709,000 | $ 148,360 | $ 76,000 |
| Bend-Redmond, OR | 24 | $ 12,164,000 | $ 506,833 | $ 240,000 |
| Merced, CA | 24 | $ 5,737,000 | $ 239,041 | $ 169,000 |
| Dallas-Plano-Irving, TX | 19 | $ 2,849,000 | $ 149,947 | $ 71,000 |
| Atlanta-Sandy Springs-Roswell, GA | 15 | $ 1,991,000 | $ 132,733 | $ 64,000 |
| New York-Jersey City-White Plains, NY-NJ | 15 | $ 115,916,000 | $ 7,727,733 | $ 64,000 |
| Yuba City, CA | 12 | $ 2,178,000 | $ 181,500 | $ 48,000 |
| Salem, OR | 11 | $ 3,476,000 | $ 316,000 | $ 86,000 |
| Wenatchee, WA | 11 | $ 5,472,000 | $ 497,454 | $ 347,000 |
| Redding, CA | 8 | $ 1,219,000 | $ 152,375 | $ 125,000 |
| Spokane-Spokane Valley, WA | 8 | $ 3,470,000 | $ 433,750 | $ 114,000 |
| Olympia-Tumwater, WA | 6 | $ 26,403,000 | $ 4,400,500 | $ 159,000 |
| Bellingham, WA | 5 | $ 1,227,000 | $ 245,400 | $ 93,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,529,000 | $ 382,250 | $ 132,000 |
| Chico, CA | 3 | $ 1,189,000 | $ 396,333 | $ 86,000 |
| Medford, OR | 3 | $ 1,898,000 | $ 632,666 | $ 400,000 |
| Eugene, OR | 2 | $ 679,000 | $ 339,500 | $ 219,000 |
| Fort Collins, CO | 2 | $ 270,000,000 | $ 135,000,000 | $ 0 |
| Yakima, WA | 2 | $ 517,000 | $ 258,500 | $ 149,000 |
| Corvallis, OR | 1 | $ 203,000 | $ 203,000 | $ 109,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 70,125,000 | $ 70,125,000 | $ 0 |
| Grants Pass, OR | 1 | $ 514,000 | $ 514,000 | $ 267,000 |
| Kennewick-Richland, WA | 1 | $ 557,000 | $ 557,000 | $ 132,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 514,000 | $ 514,000 | $ 436,000 |
| Longview, WA | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 37,000,000 | $ 37,000,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 44,830,000 | $ 44,830,000 | $ 0 |
| Trenton, NJ | 1 | $ 66,000,000 | $ 66,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for MUFG Union Bank, National Association in 2017
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 10,948 | $9,493,613,000 | $867,000 | $151,700,000 | $273,000 | $21,058,000 |
| Refinancing | 10,369 | $6,989,493,000 | $674,000 | $60,000,000 | $203,000 | $6,850,000 |
| Home Improvement | 1,987 | $1,272,907,000 | $640,000 | $53,400,000 | $206,000 | $6,647,000 |
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 | 10,832 | $9,188,319,000 | $848,000 | $10,725,000 | $305,000 | $10,788,000 |
| Not applicable | 4,733 | $3,116,392,000 | $658,000 | $151,700,000 | $89,000 | $3,621,000 |
| Asian | 3,625 | $2,852,622,000 | $786,000 | $9,200,000 | $231,000 | $4,874,000 |
| Not Provided | 1,940 | $1,596,354,000 | $822,000 | $10,000,000 | $309,000 | $21,058,000 |
| Hispanic | 1,707 | $722,190,000 | $423,000 | $6,300,000 | $141,000 | $2,665,000 |
| Black or African American | 340 | $202,104,000 | $594,000 | $4,875,000 | $206,000 | $9,196,000 |
| Native Hawaiian or Other Pacific Islander | 88 | $51,779,000 | $588,000 | $2,240,000 | $208,000 | $1,253,000 |
| American Indian or Alaskan Native | 39 | $26,253,000 | $673,000 | $2,360,000 | $243,000 | $1,418,000 |
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) | 22,823 | $17,618,493,000 | $771,000 | $151,700,000 | $239,000 | $21,058,000 |
| FHA-insured (Federal Housing Administration) | 435 | $121,035,000 | $278,000 | $636,000 | $67,000 | $540,000 |
| VA-guaranteed (Veterans Administration) | 46 | $16,485,000 | $358,000 | $904,000 | $89,000 | $275,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 14,043 | $12,168,381,000 | $866,000 | $70,125,000 | $279,000 | $21,058,000 |
| Loan Purchased By The Institution | 4,520 | $1,264,867,000 | $279,000 | $1,007,000 | $93,000 | $3,621,000 |
| Application Denied By Financial Institution | 2,648 | $2,394,453,000 | $904,000 | $151,700,000 | $218,000 | $3,314,000 |
| Application Withdrawn By Applicant | 1,745 | $1,392,387,000 | $797,000 | $53,400,000 | $281,000 | $6,850,000 |
| File Closed For Incompleteness | 203 | $412,387,000 | $2,031,000 | $135,000,000 | $243,000 | $2,441,000 |
| Application Approved But Not Accepted | 145 | $123,538,000 | $851,000 | $5,000,000 | $294,000 | $1,815,000 |
| 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 | 1,136 | $1,015,650,000 | $894,000 | $10,725,000 | $165,000 | $1,707,000 |
| Collateral | 561 | $408,783,000 | $728,000 | $4,050,000 | $265,000 | $2,441,000 |
| Credit History | 506 | $415,732,000 | $821,000 | $7,000,000 | $244,000 | $3,314,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 161 | $140,438,000 | $872,000 | $5,000,000 | $272,000 | $2,510,000 |
| Other | 107 | $281,932,000 | $2,634,000 | $151,700,000 | $244,000 | $1,636,000 |
| Credit Application Incomplete | 91 | $52,653,000 | $578,000 | $2,400,000 | $244,000 | $2,400,000 |
| Unverifiable Information | 72 | $71,446,000 | $992,000 | $8,880,000 | $336,000 | $2,330,000 |
| Employment History | 14 | $7,819,000 | $558,000 | $1,606,000 | $57,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into MUFG Union Bank, National Association's 2017 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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