Wescom Central Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Wescom Central Credit Union 2022 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 | 4,957 |
| Total Mortgage Loan Application Amount | $1,522,515,000 |
| Average Mortgage Loan Application Amount | $381,400 |
| Highest Mortgage Loan Application Amount | $4,485,000 |
| Average Applicant Income | $221,000 |
| Highest Applicant Income | $8,376,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,891 | $ 521,995,000 | $ 276,000 | $ 191,000 |
| Orange County California | 1,260 | $ 543,490,000 | $ 431,000 | $ 313,000 |
| Riverside County California | 594 | $ 137,920,000 | $ 232,000 | $ 189,000 |
| San Bernardino County California | 458 | $ 93,940,000 | $ 205,000 | $ 174,000 |
| Ventura County California | 269 | $ 56,485,000 | $ 209,000 | $ 189,000 |
| San Diego County California | 150 | $ 55,650,000 | $ 371,000 | $ 411,000 |
| Kern County California | 24 | $ 4,510,000 | $ 187,000 | $ 108,000 |
| Santa Barbara County California | 19 | $ 9,205,000 | $ 484,000 | $ 201,000 |
| Maricopa County Arizona | 17 | $ 6,015,000 | $ 353,000 | $ 266,000 |
| Clark County Nevada | 16 | $ 4,960,000 | $ 310,000 | $ 384,000 |
| Fresno County California | 14 | $ 5,160,000 | $ 368,000 | $ 1,176,000 |
| Sacramento County California | 14 | $ 4,790,000 | $ 342,000 | $ 175,000 |
| San Luis Obispo County California | 10 | $ 3,500,000 | $ 350,000 | $ 187,000 |
| Alameda County California | 9 | $ 5,435,000 | $ 603,000 | $ 452,000 |
| Santa Clara County California | 8 | $ 4,390,000 | $ 548,000 | $ 256,000 |
| Tulare County California | 8 | $ 1,220,000 | $ 152,000 | $ 235,000 |
| Placer County California | 5 | $ 455,000 | $ 91,000 | $ 79,000 |
| Shelby County Tennessee | 5 | $ 965,000 | $ 193,000 | $ 126,000 |
| Contra Costa County California | 4 | $ 1,260,000 | $ 315,000 | $ 188,000 |
| Mono County California | 4 | $ 1,240,000 | $ 310,000 | $ 351,000 |
| Monterey County California | 4 | $ 2,150,000 | $ 537,000 | $ 1,026,000 |
| San Mateo County California | 4 | $ 2,590,000 | $ 647,000 | $ 217,000 |
| Santa Cruz County California | 4 | $ 810,000 | $ 202,000 | $ 204,000 |
| Sonoma County California | 4 | $ 2,200,000 | $ 550,000 | $ 298,000 |
| Stanislaus County California | 4 | $ 1,570,000 | $ 392,000 | $ 150,000 |
| Osceola County Florida | 4 | $ 1,700,000 | $ 425,000 | $ 629,000 |
| Rankin County Mississippi | 4 | $ 860,000 | $ 215,000 | $ 113,000 |
| Navajo County Arizona | 3 | $ 1,275,000 | $ 425,000 | $ 104,000 |
| San Joaquin County California | 3 | $ 885,000 | $ 295,000 | $ 134,000 |
| Shasta County California | 3 | $ 725,000 | $ 241,000 | $ 82,000 |
| Tuolumne County California | 3 | $ 475,000 | $ 158,000 | $ 125,000 |
| Lee County Florida | 3 | $ 755,000 | $ 251,000 | $ 151,000 |
| Chaves County New Mexico | 3 | $ 415,000 | $ 138,000 | $ 234,000 |
| Cuyahoga County Ohio | 3 | $ 245,000 | $ 81,000 | $ 71,000 |
| King County Washington | 3 | $ 3,015,000 | $ 1,005,000 | $ 145,000 |
| Yavapai County Arizona | 2 | $ 500,000 | $ 250,000 | $ 91,000 |
| Pulaski County Arkansas | 2 | $ 260,000 | $ 130,000 | $ 154,000 |
| Saline County Arkansas | 2 | $ 270,000 | $ 135,000 | $ 136,000 |
| El Dorado County California | 2 | $ 840,000 | $ 420,000 | $ 92,000 |
| Solano County California | 2 | $ 900,000 | $ 450,000 | $ 269,000 |
| Hillsborough County Florida | 2 | $ 500,000 | $ 250,000 | $ 166,000 |
| Maui County Hawaii | 2 | $ 1,280,000 | $ 640,000 | $ 160,000 |
| Kootenai County Idaho | 2 | $ 790,000 | $ 395,000 | $ 64,000 |
| Cook County Illinois | 2 | $ 330,000 | $ 165,000 | $ 977,000 |
| Baltimore City County Maryland | 2 | $ 200,000 | $ 100,000 | $ 103,000 |
| Dona Ana County New Mexico | 2 | $ 560,000 | $ 280,000 | $ 114,000 |
| Lucas County Ohio | 2 | $ 110,000 | $ 55,000 | $ 105,000 |
| Allegheny County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 148,000 |
| Aiken County South Carolina | 2 | $ 220,000 | $ 110,000 | $ 113,000 |
| Williamson County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 52,000 |
| Bexar County Texas | 2 | $ 650,000 | $ 325,000 | $ 154,000 |
| Collin County Texas | 2 | $ 470,000 | $ 235,000 | $ 102,000 |
| Dallas County Texas | 2 | $ 490,000 | $ 245,000 | $ 44,000 |
| Denton County Texas | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| Taylor County Texas | 2 | $ 680,000 | $ 340,000 | $ 175,000 |
| Travis County Texas | 2 | $ 650,000 | $ 325,000 | $ 195,000 |
| Williamson County Texas | 2 | $ 860,000 | $ 430,000 | $ 145,000 |
| Salt Lake County Utah | 2 | $ 630,000 | $ 315,000 | $ 158,000 |
| Wasatch County Utah | 2 | $ 1,950,000 | $ 975,000 | $ 316,000 |
| Island County Washington | 2 | $ 1,100,000 | $ 550,000 | $ 219,000 |
| Anchorage County Alaska | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Mohave County Arizona | 1 | $ 375,000 | $ 375,000 | $ 86,000 |
| Pima County Arizona | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Cleburne County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Independence County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 191,000 |
| Del Norte County California | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Madera County California | 1 | $ 625,000 | $ 625,000 | $ 248,000 |
| Merced County California | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Nevada County California | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Siskiyou County California | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Yolo County California | 1 | $ 255,000 | $ 255,000 | $ 4,044,000 |
| Arapahoe County Colorado | 1 | $ 505,000 | $ 505,000 | $ 118,000 |
| Larimer County Colorado | 1 | $ 475,000 | $ 475,000 | $ 185,000 |
| Brevard County Florida | 1 | $ 245,000 | $ 245,000 | $ 604,000 |
| Marion County Florida | 1 | $ 515,000 | $ 515,000 | $ 604,000 |
| Martin County Florida | 1 | $ 405,000 | $ 405,000 | $ 106,000 |
| Miami-Dade County Florida | 1 | $ 525,000 | $ 525,000 | $ 230,000 |
| Clayton County Georgia | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Fayette County Georgia | 1 | $ 415,000 | $ 415,000 | $ 89,000 |
| Fulton County Georgia | 1 | $ 185,000 | $ 185,000 | $ 258,000 |
| Henry County Georgia | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Honolulu County Hawaii | 1 | $ 745,000 | $ 745,000 | $ 169,000 |
| Kauai County Hawaii | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
| Ada County Idaho | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Canyon County Idaho | 1 | $ 385,000 | $ 385,000 | $ 137,000 |
| Winnebago County Illinois | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Allen County Indiana | 1 | $ 155,000 | $ 155,000 | $ 175,000 |
| Polk County Iowa | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Allegany County Maryland | 1 | $ 95,000 | $ 95,000 | $ 125,000 |
| Anne Arundel County Maryland | 1 | $ 355,000 | $ 355,000 | $ 118,000 |
| Essex County Massachusetts | 1 | $ 435,000 | $ 435,000 | $ 115,000 |
| Middlesex County Massachusetts | 1 | $ 445,000 | $ 445,000 | $ 280,000 |
| Suffolk County Massachusetts | 1 | $ 395,000 | $ 395,000 | $ 280,000 |
| Kalamazoo County Michigan | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Macomb County Michigan | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Monroe County Michigan | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Aitkin County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 251,000 |
| Hinds County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| St. Louis City County Missouri | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Lyon County Nevada | 1 | $ 505,000 | $ 505,000 | $ 182,000 |
| Los Alamos County New Mexico | 1 | $ 345,000 | $ 345,000 | $ 420,000 |
| New York County New York | 1 | $ 955,000 | $ 955,000 | $ 689,000 |
| Orange County New York | 1 | $ 225,000 | $ 225,000 | $ 145,000 |
| Henderson County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
| Mecklenburg County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 153,000 |
| Union County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 170,000 |
| Wake County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 216,000 |
| Franklin County Ohio | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Mahoning County Ohio | 1 | $ 55,000 | $ 55,000 | $ 939,000 |
| Summit County Ohio | 1 | $ 215,000 | $ 215,000 | $ 199,000 |
| Clackamas County Oregon | 1 | $ 625,000 | $ 625,000 | $ 297,000 |
| Coos County Oregon | 1 | $ 275,000 | $ 275,000 | $ 93,000 |
| Lincoln County Oregon | 1 | $ 335,000 | $ 335,000 | $ 116,000 |
| Multnomah County Oregon | 1 | $ 625,000 | $ 625,000 | $ 250,000 |
| Washington County Oregon | 1 | $ 585,000 | $ 585,000 | $ 114,000 |
| Anderson County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 110,000 |
| Davidson County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 168,000 |
| Hamilton County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Loudon County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Maury County Tennessee | 1 | $ 805,000 | $ 805,000 | $ 351,000 |
| Roane County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 112,000 |
| Rutherford County Tennessee | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Sevier County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Brazos County Texas | 1 | $ 185,000 | $ 185,000 | $ 10,000 |
| Ellis County Texas | 1 | $ 345,000 | $ 345,000 | $ 115,000 |
| Fort Bend County Texas | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Guadalupe County Texas | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Utah County Utah | 1 | $ 205,000 | $ 205,000 | $ 223,000 |
| Washington County Utah | 1 | $ 335,000 | $ 335,000 | $ 166,000 |
| Weber County Utah | 1 | $ 495,000 | $ 495,000 | $ 136,000 |
| Kittitas County Washington | 1 | $ 265,000 | $ 265,000 | $ 167,000 |
| Mason County Washington | 1 | $ 685,000 | $ 685,000 | $ 234,000 |
| Spokane County Washington | 1 | $ 205,000 | $ 205,000 | $ 32,000 |
| Thurston County Washington | 1 | $ 565,000 | $ 565,000 | $ 234,000 |
| Douglas County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 217,000 |
Mortgage Loan Application Detail Totals for Wescom Central Credit Union in 2022
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 Improvement | 1,849 | $326,215,000 | $176,000 | $1,255,000 | $261,000 | $8,376,000 |
| Other Purpose | 1,536 | $326,210,000 | $212,000 | $4,305,000 | $185,000 | $8,140,000 |
| Home Purchase | 1,038 | $626,960,000 | $604,000 | $4,485,000 | $264,000 | $4,320,000 |
| Cash-out Refinancing | 384 | $173,440,000 | $451,000 | $1,955,000 | $167,000 | $2,700,000 |
| Refinancing | 150 | $69,690,000 | $464,000 | $3,485,000 | $228,000 | $2,820,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,537 | $572,735,000 | $372,000 | $4,305,000 | $291,000 | $8,376,000 |
| Not Provided | 1,301 | $391,375,000 | $300,000 | $4,485,000 | $165,000 | $4,392,000 |
| Hispanic | 1,060 | $222,240,000 | $209,000 | $1,825,000 | $185,000 | $4,044,000 |
| Asian | 504 | $185,380,000 | $367,000 | $3,905,000 | $307,000 | $5,280,000 |
| Black or African American | 358 | $91,090,000 | $254,000 | $2,045,000 | $173,000 | $1,842,000 |
| American Indian or Alaskan Native | 27 | $7,135,000 | $264,000 | $1,115,000 | $192,000 | $1,200,000 |
| Not applicable | 25 | $11,095,000 | $443,000 | $1,285,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 15 | $3,035,000 | $202,000 | $585,000 | $148,000 | $333,000 |
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) | 4,957 | $1,522,515,000 | $307,000 | $4,485,000 | $230,000 | $8,376,000 |
| 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 | 2,746 | $896,680,000 | $326,000 | $4,485,000 | $206,000 | $2,774,000 |
| Application Denied By Financial Institution | 1,087 | $313,495,000 | $288,000 | $4,305,000 | $214,000 | $8,140,000 |
| Application Withdrawn By Applicant | 963 | $253,945,000 | $263,000 | $3,715,000 | $308,000 | $8,376,000 |
| File Closed For Incompleteness | 84 | $35,580,000 | $423,000 | $1,045,000 | $352,000 | $3,480,000 |
| Application Approved But Not Accepted | 52 | $11,720,000 | $225,000 | $1,375,000 | $154,000 | $417,000 |
| Loan Purchased By The Institution | 25 | $11,095,000 | $443,000 | $1,285,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,870 | $1,209,020,000 | $312,000 | $4,485,000 | $234,000 | $8,376,000 |
| Debt-To-Income Ratio | 444 | $111,630,000 | $251,000 | $3,905,000 | $98,000 | $844,000 |
| Credit History | 219 | $35,275,000 | $161,000 | $1,525,000 | $283,000 | $5,820,000 |
| Other | 217 | $89,625,000 | $413,000 | $4,005,000 | $307,000 | $8,140,000 |
| Collateral | 87 | $19,665,000 | $226,000 | $1,505,000 | $314,000 | $6,073,000 |
| Credit Application Incomplete | 48 | $24,390,000 | $508,000 | $1,955,000 | $348,000 | $3,972,000 |
| Unverifiable Information | 33 | $14,355,000 | $435,000 | $4,305,000 | $214,000 | $1,260,000 |
| Employment History | 19 | $6,245,000 | $328,000 | $1,115,000 | $322,000 | $2,756,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $10,925,000 | $642,000 | $2,045,000 | $191,000 | $562,000 |
| Mortgage Insurance Denied | 3 | $1,385,000 | $461,000 | $505,000 | $111,000 | $122,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wescom Central Credit Union's 2022 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.