Union Bank, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Union Bank, N.A. of San Diego, CA reported 10,720 mortgage applications totaling $10.2 billion, up 26% from 2009. The average application was for $953,461, and applicants reported an average income of $336,098. 50% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (3,240), San Francisco-San Mateo-Redwood City, CA (1,472) and Santa Ana-Anaheim-Irvine, CA (1,023) (applications in parentheses).
| Mortgage Company & Address | Union Bank, N.A. 8954 Rio San Diego Drive Suite 500 San Diego, CA 92108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,720 |
| Total Mortgage Loan Application Amount | $10,221,103,000 |
| Average Mortgage Loan Application Amount | $953,461 |
| Highest Mortgage Loan Application Amount | $74,000,000 |
| Average Applicant Income | $336,098 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Union Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,240 | $ 3,829,464,000 | $ 1,181,933 | $ 453,000 |
| Orange, California | 1,023 | $ 1,097,429,000 | $ 1,072,755 | $ 399,000 |
| San Diego, California | 1,013 | $ 913,479,000 | $ 901,756 | $ 327,000 |
| San Francisco, California | 624 | $ 651,445,000 | $ 1,043,982 | $ 354,000 |
| Santa Clara, California | 552 | $ 614,754,000 | $ 1,113,684 | $ 284,000 |
| San Mateo, California | 434 | $ 511,101,000 | $ 1,177,652 | $ 372,000 |
| Marin, California | 414 | $ 468,711,000 | $ 1,132,152 | $ 369,000 |
| King, Washington | 345 | $ 269,597,000 | $ 781,440 | $ 163,000 |
| Snohomish, Washington | 336 | $ 107,972,000 | $ 321,345 | $ 16,000 |
| Contra Costa, California | 325 | $ 324,426,000 | $ 998,233 | $ 365,000 |
| Sacramento, California | 235 | $ 61,888,000 | $ 263,353 | $ 63,000 |
| Alameda, California | 233 | $ 195,654,000 | $ 839,716 | $ 234,000 |
| Riverside, California | 218 | $ 124,804,000 | $ 572,495 | $ 409,000 |
| Santa Barbara, California | 176 | $ 215,947,000 | $ 1,226,971 | $ 365,000 |
| Ventura, California | 167 | $ 149,864,000 | $ 897,389 | $ 335,000 |
| Pierce, Washington | 143 | $ 79,958,000 | $ 559,146 | $ 10,000 |
| San Bernardino, California | 139 | $ 52,231,000 | $ 375,762 | $ 232,000 |
| Fresno, California | 86 | $ 16,920,000 | $ 196,744 | $ 90,000 |
| Sonoma, California | 73 | $ 61,236,000 | $ 838,849 | $ 285,000 |
| Monterey, California | 59 | $ 56,018,000 | $ 949,457 | $ 349,000 |
| Kern, California | 55 | $ 9,852,000 | $ 179,127 | $ 78,000 |
| Kitsap, Washington | 50 | $ 41,882,000 | $ 837,640 | $ 163,000 |
| Placer, California | 47 | $ 36,247,000 | $ 771,212 | $ 367,000 |
| Tulare, California | 47 | $ 6,670,000 | $ 141,914 | $ 59,000 |
| Santa Cruz, California | 43 | $ 21,741,000 | $ 505,604 | $ 196,000 |
| San Luis Obispo, California | 42 | $ 25,581,000 | $ 609,071 | $ 294,000 |
| Whatcom, Washington | 40 | $ 19,092,000 | $ 477,300 | $ 23,000 |
| Island, Washington | 34 | $ 9,303,000 | $ 273,617 | $ 49,000 |
| Skagit, Washington | 29 | $ 11,699,000 | $ 403,413 | $ 32,000 |
| El Dorado, California | 28 | $ 14,281,000 | $ 510,035 | $ 431,000 |
| Napa, California | 26 | $ 28,046,000 | $ 1,078,692 | $ 384,000 |
| Multnomah, Oregon | 26 | $ 20,473,000 | $ 787,423 | $ 278,000 |
| Kings, California | 25 | $ 3,165,000 | $ 126,600 | $ 74,000 |
| Clallam, Washington | 20 | $ 10,238,000 | $ 511,900 | $ 46,000 |
| Yolo, California | 16 | $ 8,062,000 | $ 503,875 | $ 65,000 |
| San Joaquin, California | 15 | $ 4,388,000 | $ 292,533 | $ 105,000 |
| Solano, California | 15 | $ 5,506,000 | $ 367,066 | $ 163,000 |
| Stanislaus, California | 13 | $ 3,147,000 | $ 242,076 | $ 91,000 |
| Jefferson, Washington | 13 | $ 3,225,000 | $ 248,076 | $ 39,000 |
| Madera, California | 11 | $ 2,798,000 | $ 254,363 | $ 85,000 |
| Mono, California | 10 | $ 8,408,000 | $ 840,800 | $ 835,000 |
| Nevada, California | 10 | $ 7,854,000 | $ 785,400 | $ 288,000 |
| Clackamas, Oregon | 10 | $ 8,119,000 | $ 811,900 | $ 275,000 |
| Sutter, California | 9 | $ 2,992,000 | $ 332,444 | $ 99,000 |
| Merced, California | 8 | $ 952,000 | $ 119,000 | $ 40,000 |
| Thurston, Washington | 8 | $ 3,664,000 | $ 458,000 | $ 67,000 |
| Washington, Oregon | 7 | $ 3,282,000 | $ 468,857 | $ 273,000 |
| Lewis, Washington | 7 | $ 2,704,000 | $ 386,285 | $ 5,000 |
| Clatsop, Oregon | 6 | $ 3,509,000 | $ 584,833 | $ 933,000 |
| Marion, Oregon | 6 | $ 2,062,000 | $ 343,666 | $ 47,000 |
| Imperial, California | 5 | $ 714,000 | $ 142,800 | $ 60,000 |
| Kittitas, Washington | 5 | $ 4,716,000 | $ 943,200 | $ 215,000 |
| Alpine, California | 4 | $ 1,037,000 | $ 259,250 | $ 310,000 |
| San Benito, California | 4 | $ 856,000 | $ 214,000 | $ 42,000 |
| Shasta, California | 4 | $ 980,000 | $ 245,000 | $ 204,000 |
| Grant, Washington | 4 | $ 804,000 | $ 201,000 | $ 0 |
| Okanogan, Washington | 4 | $ 268,000 | $ 67,000 | $ 0 |
| Douglas, Nevada | 3 | $ 2,412,000 | $ 804,000 | $ 1,144,000 |
| Deschutes, Oregon | 3 | $ 1,685,000 | $ 561,666 | $ 1,077,000 |
| Lane, Oregon | 3 | $ 1,052,000 | $ 350,666 | $ 160,000 |
| Benton, Washington | 3 | $ 3,106,000 | $ 1,035,333 | $ 16,000 |
| Chelan, Washington | 3 | $ 365,000 | $ 121,666 | $ 0 |
| San Juan, Washington | 3 | $ 541,000 | $ 180,333 | $ 27,000 |
| Maricopa, Arizona | 2 | $ 615,000 | $ 307,500 | $ 172,000 |
| Amador, California | 2 | $ 1,379,000 | $ 689,500 | $ 1,041,000 |
| Butte, California | 2 | $ 1,449,000 | $ 724,500 | $ 191,000 |
| Calaveras, California | 2 | $ 1,158,000 | $ 579,000 | $ 145,000 |
| Plumas, California | 2 | $ 2,130,000 | $ 1,065,000 | $ 462,000 |
| Tillamook, Oregon | 2 | $ 455,000 | $ 227,500 | $ 1,483,000 |
| Clark, Washington | 2 | $ 1,225,000 | $ 612,500 | $ 431,000 |
| Grays Harbor, Washington | 2 | $ 959,000 | $ 479,500 | $ 274,000 |
| Pinal, Arizona | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Del Norte, California | 1 | $ 510,000 | $ 510,000 | $ 236,000 |
| Glenn, California | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Humboldt, California | 1 | $ 213,000 | $ 213,000 | $ 93,000 |
| Inyo, California | 1 | $ 220,000 | $ 220,000 | $ 253,000 |
| Lake, California | 1 | $ 244,000 | $ 244,000 | $ 276,000 |
| Mariposa, California | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Mendocino, California | 1 | $ 417,000 | $ 417,000 | $ 172,000 |
| Tuolumne, California | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Yuba, California | 1 | $ 108,000 | $ 108,000 | $ 72,000 |
| Palm Beach, Florida | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Maui, Hawaii | 1 | $ 5,000,000 | $ 5,000,000 | $ 3,727,000 |
| Clark, Nevada | 1 | $ 3,049,000 | $ 3,049,000 | $ 0 |
| Benton, Oregon | 1 | $ 728,000 | $ 728,000 | $ 2,488,000 |
| Douglas, Oregon | 1 | $ 84,000 | $ 84,000 | $ 24,000 |
| Hood River, Oregon | 1 | $ 358,000 | $ 358,000 | $ 67,000 |
| Jefferson, Oregon | 1 | $ 11,000 | $ 11,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Polk, Oregon | 1 | $ 1,048,000 | $ 1,048,000 | $ 299,000 |
| Yamhill, Oregon | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Cowlitz, Washington | 1 | $ 1,227,000 | $ 1,227,000 | $ 0 |
| Douglas, Washington | 1 | $ 380,000 | $ 380,000 | $ 92,000 |
| Mason, Washington | 1 | $ 203,000 | $ 203,000 | $ 47,000 |
| Spokane, Washington | 1 | $ 1,580,000 | $ 1,580,000 | $ 0 |
| Walla Walla, Washington | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Whitman, Washington | 1 | $ 199,000 | $ 199,000 | $ 0 |
Mortgage Loan Application Detail Totals for Union Bank, N.A. in 2010
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 | 7,102 | $7,163,955,000 | $1,008,000 | $14,000,000 | $362,000 | $9,999,000 |
| Home Purchase | 3,311 | $2,786,831,000 | $841,000 | $30,000,000 | $299,000 | $9,999,000 |
| Home Improvement | 307 | $270,317,000 | $880,000 | $74,000,000 | $137,000 | $2,390,000 |
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 | 5,895 | $5,994,877,000 | $1,016,000 | $6,175,000 | $394,000 | $9,999,000 |
| Not Provided | 2,357 | $2,490,184,000 | $1,056,000 | $7,725,000 | $412,000 | $8,888,000 |
| Not applicable | 1,189 | $958,298,000 | $805,000 | $74,000,000 | $0 | $0 |
| Asian | 575 | $424,533,000 | $738,000 | $4,589,000 | $256,000 | $1,800,000 |
| Hispanic | 545 | $233,623,000 | $428,000 | $5,702,000 | $164,000 | $3,024,000 |
| Black or African American | 110 | $82,210,000 | $747,000 | $3,815,000 | $549,000 | $9,999,000 |
| Native Hawaiian or Other Pacific Islander | 29 | $19,940,000 | $687,000 | $2,000,000 | $268,000 | $1,285,000 |
| American Indian or Alaskan Native | 20 | $17,438,000 | $871,000 | $2,950,000 | $398,000 | $2,297,000 |
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) | 10,720 | $10,221,103,000 | $953,000 | $74,000,000 | $336,000 | $9,999,000 |
| 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 | 5,347 | $5,348,019,000 | $1,000,000 | $15,000,000 | $393,000 | $9,999,000 |
| Application Denied By Financial Institution | 2,524 | $2,752,887,000 | $1,090,000 | $12,500,000 | $359,000 | $9,999,000 |
| Loan Purchased By The Institution | 1,232 | $579,118,000 | $470,000 | $22,391,000 | $11,000 | $396,000 |
| Application Approved But Not Accepted | 726 | $898,919,000 | $1,238,000 | $74,000,000 | $481,000 | $8,479,000 |
| Application Withdrawn By Applicant | 493 | $405,407,000 | $822,000 | $30,000,000 | $285,000 | $9,999,000 |
| File Closed For Incompleteness | 279 | $193,244,000 | $692,000 | $4,185,000 | $284,000 | $2,717,000 |
| Preapproval Denied by Financial Institution | 105 | $37,372,000 | $355,000 | $4,970,000 | $124,000 | $2,341,000 |
| Preapproval Approved but not Accepted | 14 | $6,137,000 | $438,000 | $1,200,000 | $240,000 | $1,166,000 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 985 | $991,639,000 | $1,006,000 | $5,000,000 | $365,000 | $9,999,000 |
| Other | 802 | $869,306,000 | $1,083,000 | $12,500,000 | $386,000 | $9,999,000 |
| Debt-To-Income Ratio | 363 | $373,476,000 | $1,028,000 | $7,725,000 | $154,000 | $1,747,000 |
| Credit History | 225 | $182,757,000 | $812,000 | $5,000,000 | $314,000 | $9,000,000 |
| Credit Application Incomplete | 212 | $330,856,000 | $1,560,000 | $6,175,000 | $520,000 | $6,695,000 |
| Employment History | 23 | $21,128,000 | $918,000 | $2,300,000 | $211,000 | $2,064,000 |
| Unverifiable Information | 15 | $14,031,000 | $935,000 | $4,589,000 | $340,000 | $1,240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $7,066,000 | $1,766,000 | $4,970,000 | $740,000 | $2,341,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank, N.A.'s 2010 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 Union Bank, N.A.'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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