Wescom Central Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Wescom Central Credit Union 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Wescom Central Credit Union 123 S Marengo Avenue Pasadena, CA 91101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,227 |
| Total Mortgage Loan Application Amount | $1,017,465,000 |
| Average Mortgage Loan Application Amount | $287,000 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $131,600 |
| Highest Applicant Income | $1,925,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Wescom Central Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Wescom Central Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Wescom Central Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Wescom Central Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Wescom Central Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Wescom Central Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 1,857 | $ 436,595,000 | $ 235,000 | $ 119,000 |
| Orange County California | 967 | $ 271,305,000 | $ 280,000 | $ 146,000 |
| Riverside County California | 457 | $ 86,675,000 | $ 189,000 | $ 111,000 |
| San Bernardino County California | 326 | $ 69,350,000 | $ 212,000 | $ 106,000 |
| Ventura County California | 249 | $ 64,095,000 | $ 257,000 | $ 133,000 |
| San Diego County California | 78 | $ 19,440,000 | $ 249,000 | $ 223,000 |
| Kern County California | 27 | $ 3,815,000 | $ 141,000 | $ 83,000 |
| Santa Barbara County California | 19 | $ 4,995,000 | $ 262,000 | $ 99,000 |
| Clark County Nevada | 19 | $ 4,225,000 | $ 222,000 | $ 74,000 |
| San Luis Obispo County California | 15 | $ 2,585,000 | $ 172,000 | $ 148,000 |
| Alameda County California | 13 | $ 5,085,000 | $ 391,000 | $ 163,000 |
| Maricopa County Arizona | 12 | $ 3,120,000 | $ 260,000 | $ 150,000 |
| San Joaquin County California | 9 | $ 3,955,000 | $ 439,000 | $ 147,000 |
| Stanislaus County California | 9 | $ 2,815,000 | $ 312,000 | $ 92,000 |
| Contra Costa County California | 8 | $ 3,110,000 | $ 388,000 | $ 262,000 |
| Sacramento County California | 8 | $ 1,130,000 | $ 141,000 | $ 149,000 |
| Yavapai County Arizona | 5 | $ 645,000 | $ 129,000 | $ 140,000 |
| Placer County California | 5 | $ 465,000 | $ 93,000 | $ 57,000 |
| Santa Clara County California | 4 | $ 320,000 | $ 80,000 | $ 200,000 |
| Solano County California | 4 | $ 1,000,000 | $ 250,000 | $ 162,000 |
| Sonoma County California | 4 | $ 710,000 | $ 177,000 | $ 122,000 |
| Tulare County California | 4 | $ 1,010,000 | $ 252,000 | $ 170,000 |
| Pinellas County Florida | 4 | $ 1,410,000 | $ 352,000 | $ 209,000 |
| Canyon County Idaho | 4 | $ 700,000 | $ 175,000 | $ 137,000 |
| Salt Lake County Utah | 4 | $ 1,070,000 | $ 267,000 | $ 142,000 |
| Mohave County Arizona | 3 | $ 705,000 | $ 235,000 | $ 84,000 |
| El Dorado County California | 3 | $ 465,000 | $ 155,000 | $ 170,000 |
| Madera County California | 3 | $ 895,000 | $ 298,000 | $ 108,000 |
| Merced County California | 3 | $ 825,000 | $ 275,000 | $ 57,000 |
| Monterey County California | 3 | $ 1,055,000 | $ 351,000 | $ 124,000 |
| Cook County Illinois | 3 | $ 445,000 | $ 148,000 | $ 221,000 |
| St. Tammany County Louisiana | 3 | $ 325,000 | $ 108,000 | $ 79,000 |
| Santa Fe County New Mexico | 3 | $ 345,000 | $ 115,000 | $ 437,000 |
| Multnomah County Oregon | 3 | $ 785,000 | $ 261,000 | $ 99,000 |
| King County Washington | 3 | $ 1,455,000 | $ 485,000 | $ 143,000 |
| Pima County Arizona | 2 | $ 370,000 | $ 185,000 | $ 369,000 |
| Pinal County Arizona | 2 | $ 410,000 | $ 205,000 | $ 155,000 |
| Calaveras County California | 2 | $ 430,000 | $ 215,000 | $ 75,000 |
| Fresno County California | 2 | $ 690,000 | $ 345,000 | $ 77,000 |
| Arapahoe County Colorado | 2 | $ 700,000 | $ 350,000 | $ 226,000 |
| El Paso County Colorado | 2 | $ 850,000 | $ 425,000 | $ 179,000 |
| DeKalb County Georgia | 2 | $ 500,000 | $ 250,000 | $ 106,000 |
| Ada County Idaho | 2 | $ 360,000 | $ 180,000 | $ 80,000 |
| Washoe County Nevada | 2 | $ 700,000 | $ 350,000 | $ 300,000 |
| Wake County North Carolina | 2 | $ 860,000 | $ 430,000 | $ 188,000 |
| Warren County North Carolina | 2 | $ 1,090,000 | $ 545,000 | $ 643,000 |
| Butler County Ohio | 2 | $ 290,000 | $ 145,000 | $ 98,000 |
| Clark County Ohio | 2 | $ 150,000 | $ 75,000 | $ 64,000 |
| Dallas County Texas | 2 | $ 390,000 | $ 195,000 | $ 69,000 |
| Fort Bend County Texas | 2 | $ 220,000 | $ 110,000 | $ 36,000 |
| Jones County Texas | 2 | $ 250,000 | $ 125,000 | $ 23,000 |
| Utah County Utah | 2 | $ 900,000 | $ 450,000 | $ 276,000 |
| La Paz County Arizona | 1 | $ 135,000 | $ 135,000 | $ 126,000 |
| Amador County California | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Humboldt County California | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Mendocino County California | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Mono County California | 1 | $ 205,000 | $ 205,000 | $ 128,000 |
| Napa County California | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
| San Francisco County California | 1 | $ 255,000 | $ 255,000 | $ 182,000 |
| San Mateo County California | 1 | $ 205,000 | $ 205,000 | $ 321,000 |
| Shasta County California | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Tuolumne County California | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Yolo County California | 1 | $ 695,000 | $ 695,000 | $ 197,000 |
| Yuba County California | 1 | $ 105,000 | $ 105,000 | $ 58,000 |
| La Plata County Colorado | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Mesa County Colorado | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Broward County Florida | 1 | $ 175,000 | $ 175,000 | $ 175,000 |
| Duval County Florida | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 235,000 | $ 235,000 | $ 405,000 |
| Fulton County Georgia | 1 | $ 235,000 | $ 235,000 | $ 218,000 |
| Kauai County Hawaii | 1 | $ 315,000 | $ 315,000 | $ 227,000 |
| Kootenai County Idaho | 1 | $ 355,000 | $ 355,000 | $ 99,000 |
| Clarke County Iowa | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Clay County Kansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Johnson County Kansas | 1 | $ 125,000 | $ 125,000 | $ 127,000 |
| Sedgwick County Kansas | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Oakland County Michigan | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Lake County Montana | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Hillsborough County New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 162,000 |
| Cherokee County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Granville County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Cuyahoga County Ohio | 1 | $ 75,000 | $ 75,000 | $ 232,000 |
| Franklin County Ohio | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Mahoning County Ohio | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Cleveland County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Columbia County Oregon | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 195,000 |
| Bucks County Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 134,000 |
| Charleston County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 761,000 |
| Williamson County Tennessee | 1 | $ 365,000 | $ 365,000 | $ 174,000 |
| Collin County Texas | 1 | $ 155,000 | $ 155,000 | $ 218,000 |
| Hays County Texas | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Tarrant County Texas | 1 | $ 325,000 | $ 325,000 | $ 172,000 |
| Travis County Texas | 1 | $ 495,000 | $ 495,000 | $ 140,000 |
| Williamson County Texas | 1 | $ 225,000 | $ 225,000 | $ 155,000 |
| Bedford County Virginia | 1 | $ 315,000 | $ 315,000 | $ 92,000 |
| Fairfax County Virginia | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Clark County Washington | 1 | $ 355,000 | $ 355,000 | $ 74,000 |
| Grant County Washington | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Snohomish County Washington | 1 | $ 555,000 | $ 555,000 | $ 149,000 |
| Spokane County Washington | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Waukesha County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 213,000 |
| Big Horn County Wyoming | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Lincoln County Wyoming | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Wescom Central Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,315 | $250,455,000 | $190,000 | $1,185,000 | $109,000 | $1,251,000 |
| Home Improvement | 1,214 | $140,170,000 | $115,000 | $775,000 | $133,000 | $1,140,000 |
| Home Purchase | 674 | $256,100,000 | $379,000 | $1,295,000 | $144,000 | $818,000 |
| Cash-out Refinancing | 671 | $222,305,000 | $331,000 | $1,005,000 | $129,000 | $1,925,000 |
| Refinancing | 353 | $148,435,000 | $420,000 | $1,205,000 | $143,000 | $496,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,418 | $325,240,000 | $229,000 | $1,255,000 | $112,000 | $1,925,000 |
| White | 1,269 | $334,325,000 | $263,000 | $1,175,000 | $145,000 | $1,251,000 |
| Hispanic | 852 | $182,600,000 | $214,000 | $1,295,000 | $115,000 | $818,000 |
| Asian | 336 | $99,200,000 | $295,000 | $1,165,000 | $168,000 | $728,000 |
| Black or African American | 259 | $53,345,000 | $205,000 | $775,000 | $107,000 | $687,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,675,000 | $282,000 | $635,000 | $116,000 | $230,000 |
| American Indian or Alaskan Native | 13 | $2,695,000 | $207,000 | $685,000 | $129,000 | $440,000 |
| 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) | 4,172 | $998,930,000 | $239,000 | $1,295,000 | $128,000 | $1,925,000 |
| FHA-insured (Federal Housing Administration) | 48 | $16,300,000 | $339,000 | $835,000 | $45,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,235,000 | $319,000 | $515,000 | $52,000 | $93,000 |
| 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 | 2,088 | $506,190,000 | $242,000 | $1,205,000 | $149,000 | $1,010,000 |
| Application Denied By Financial Institution | 1,194 | $264,580,000 | $221,000 | $1,295,000 | $105,000 | $1,925,000 |
| Application Withdrawn By Applicant | 691 | $157,905,000 | $228,000 | $1,255,000 | $97,000 | $1,222,000 |
| File Closed For Incompleteness | 171 | $67,475,000 | $394,000 | $1,185,000 | $137,000 | $1,251,000 |
| Application Approved But Not Accepted | 60 | $12,710,000 | $211,000 | $815,000 | $145,000 | $667,000 |
| Loan Purchased By The Institution | 23 | $8,605,000 | $374,000 | $905,000 | $120,000 | $268,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,033 | $752,885,000 | $248,000 | $1,255,000 | $136,000 | $1,251,000 |
| Debt-To-Income Ratio | 521 | $91,965,000 | $176,000 | $1,155,000 | $69,000 | $409,000 |
| Credit History | 250 | $39,710,000 | $158,000 | $985,000 | $100,000 | $683,000 |
| Other | 157 | $45,685,000 | $290,000 | $945,000 | $130,000 | $625,000 |
| Collateral | 91 | $18,795,000 | $206,000 | $885,000 | $150,000 | $745,000 |
| Credit Application Incomplete | 80 | $35,260,000 | $440,000 | $1,295,000 | $198,000 | $1,925,000 |
| Unverifiable Information | 69 | $23,225,000 | $336,000 | $1,175,000 | $160,000 | $642,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $9,310,000 | $465,000 | $835,000 | $164,000 | $357,000 |
| Employment History | 6 | $630,000 | $105,000 | $255,000 | $101,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wescom Central Credit Union's 2019 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 Wescom Central 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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with aggregated HMDA statistics today.