Wescom Central Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Wescom Central Credit Union 2023 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 | 3,272 |
| Total Mortgage Loan Application Amount | $800,860,000 |
| Average Mortgage Loan Application Amount | $405,600 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $265,000 |
| Highest Applicant Income | $8,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 1,422 | $ 323,250,000 | $ 227,000 | $ 219,000 |
| Orange County California | 661 | $ 222,945,000 | $ 337,000 | $ 265,000 |
| Riverside County California | 439 | $ 94,365,000 | $ 214,000 | $ 213,000 |
| San Bernardino County California | 287 | $ 41,945,000 | $ 146,000 | $ 149,000 |
| Ventura County California | 199 | $ 41,985,000 | $ 210,000 | $ 180,000 |
| San Diego County California | 72 | $ 23,680,000 | $ 328,000 | $ 354,000 |
| Kern County California | 26 | $ 2,950,000 | $ 113,000 | $ 101,000 |
| Clark County Nevada | 15 | $ 5,745,000 | $ 383,000 | $ 310,000 |
| Santa Barbara County California | 13 | $ 5,045,000 | $ 388,000 | $ 176,000 |
| Contra Costa County California | 9 | $ 3,675,000 | $ 408,000 | $ 244,000 |
| Fresno County California | 9 | $ 2,045,000 | $ 227,000 | $ 154,000 |
| San Luis Obispo County California | 8 | $ 2,400,000 | $ 300,000 | $ 532,000 |
| Alameda County California | 7 | $ 3,375,000 | $ 482,000 | $ 1,296,000 |
| Maricopa County Arizona | 5 | $ 1,505,000 | $ 301,000 | $ 176,000 |
| Sacramento County California | 5 | $ 545,000 | $ 109,000 | $ 76,000 |
| Imperial County California | 4 | $ 380,000 | $ 95,000 | $ 75,000 |
| Placer County California | 4 | $ 290,000 | $ 72,000 | $ 105,000 |
| Tulare County California | 4 | $ 610,000 | $ 152,000 | $ 92,000 |
| Butte County California | 3 | $ 345,000 | $ 115,000 | $ 16,000 |
| Solano County California | 3 | $ 1,285,000 | $ 428,000 | $ 224,000 |
| Monroe County New York | 3 | $ 335,000 | $ 111,000 | $ 178,000 |
| Montgomery County Ohio | 3 | $ 415,000 | $ 138,000 | $ 181,000 |
| Mohave County Arizona | 2 | $ 420,000 | $ 210,000 | $ 112,000 |
| San Joaquin County California | 2 | $ 90,000 | $ 45,000 | $ 97,000 |
| Santa Clara County California | 2 | $ 760,000 | $ 380,000 | $ 489,000 |
| Denver County Colorado | 2 | $ 1,610,000 | $ 805,000 | $ 215,000 |
| Hawaii County Hawaii | 2 | $ 760,000 | $ 380,000 | $ 115,000 |
| Ada County Idaho | 2 | $ 960,000 | $ 480,000 | $ 167,000 |
| Fayette County Kentucky | 2 | $ 610,000 | $ 305,000 | $ 392,000 |
| Hennepin County Minnesota | 2 | $ 340,000 | $ 170,000 | $ 141,000 |
| Lucas County Ohio | 2 | $ 160,000 | $ 80,000 | $ 112,000 |
| Summit County Ohio | 2 | $ 150,000 | $ 75,000 | $ 246,000 |
| Hamilton County Tennessee | 2 | $ 330,000 | $ 165,000 | $ 44,000 |
| Dallas County Texas | 2 | $ 680,000 | $ 340,000 | $ 128,000 |
| Nueces County Texas | 2 | $ 590,000 | $ 295,000 | $ 49,000 |
| Anchorage County Alaska | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Cochise County Arizona | 1 | $ 445,000 | $ 445,000 | $ 248,000 |
| Garland County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Pulaski County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| White County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| El Dorado County California | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Lake County California | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Madera County California | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Napa County California | 1 | $ 45,000 | $ 45,000 | $ 510,000 |
| Nevada County California | 1 | $ 35,000 | $ 35,000 | $ 183,000 |
| San Benito County California | 1 | $ 35,000 | $ 35,000 | $ 202,000 |
| Shasta County California | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| Sonoma County California | 1 | $ 25,000 | $ 25,000 | $ 526,000 |
| Stanislaus County California | 1 | $ 515,000 | $ 515,000 | $ 167,000 |
| Mesa County Colorado | 1 | $ 405,000 | $ 405,000 | $ 83,000 |
| Broward County Florida | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 405,000 | $ 405,000 | $ 139,000 |
| Marion County Florida | 1 | $ 175,000 | $ 175,000 | $ 137,000 |
| Pinellas County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Richmond County Georgia | 1 | $ 95,000 | $ 95,000 | $ 319,000 |
| Kauai County Hawaii | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Allen County Indiana | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Marion County Indiana | 1 | $ 175,000 | $ 175,000 | $ 179,000 |
| Jefferson County Iowa | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Allegan County Michigan | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Flathead County Montana | 1 | $ 595,000 | $ 595,000 | $ 282,000 |
| Bergen County New Jersey | 1 | $ 745,000 | $ 745,000 | $ 23,000 |
| Dona Ana County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Pitt County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Lackawanna County Pennsylvania | 1 | $ 675,000 | $ 675,000 | $ 404,000 |
| Davidson County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Knox County Tennessee | 1 | $ 575,000 | $ 575,000 | $ 305,000 |
| Putnam County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Williamson County Tennessee | 1 | $ 805,000 | $ 805,000 | $ 483,000 |
| Denton County Texas | 1 | $ 865,000 | $ 865,000 | $ 280,000 |
| El Paso County Texas | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Hood County Texas | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Tarrant County Texas | 1 | $ 375,000 | $ 375,000 | $ 81,000 |
| Travis County Texas | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Washington County Utah | 1 | $ 815,000 | $ 815,000 | $ 216,000 |
| Norfolk County Virginia | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| King County Washington | 1 | $ 945,000 | $ 945,000 | $ 435,000 |
| Spokane County Washington | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Thurston County Washington | 1 | $ 685,000 | $ 685,000 | $ 327,000 |
| Park County Wyoming | 1 | $ 225,000 | $ 225,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for Wescom Central Credit Union in 2023
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 | 1,362 | $213,140,000 | $156,000 | $1,005,000 | $222,000 | $7,200,000 |
| Other Purpose | 1,303 | $224,025,000 | $171,000 | $2,505,000 | $182,000 | $8,400,000 |
| Home Purchase | 496 | $307,750,000 | $620,000 | $3,495,000 | $320,000 | $7,348,000 |
| Cash-out Refinancing | 73 | $30,965,000 | $424,000 | $2,405,000 | $164,000 | $1,718,000 |
| Refinancing | 38 | $24,980,000 | $657,000 | $5,005,000 | $437,000 | $3,576,000 |
| 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 | 984 | $285,880,000 | $290,000 | $3,495,000 | $279,000 | $7,200,000 |
| Not Provided | 888 | $212,970,000 | $239,000 | $5,005,000 | $157,000 | $7,920,000 |
| Hispanic | 752 | $128,410,000 | $170,000 | $1,905,000 | $183,000 | $2,386,000 |
| Asian | 285 | $93,125,000 | $326,000 | $2,005,000 | $322,000 | $8,400,000 |
| Black or African American | 247 | $49,515,000 | $200,000 | $1,735,000 | $198,000 | $5,204,000 |
| American Indian or Alaskan Native | 18 | $2,020,000 | $112,000 | $255,000 | $121,000 | $283,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $4,080,000 | $408,000 | $2,005,000 | $136,000 | $464,000 |
| Not applicable | 6 | $3,190,000 | $531,000 | $1,355,000 | $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) | 3,272 | $800,860,000 | $244,000 | $5,005,000 | $222,000 | $8,400,000 |
| 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 | 1,585 | $382,805,000 | $241,000 | $5,005,000 | $216,000 | $3,805,000 |
| Application Denied By Financial Institution | 961 | $220,715,000 | $229,000 | $2,405,000 | $219,000 | $8,400,000 |
| Application Withdrawn By Applicant | 640 | $164,540,000 | $257,000 | $3,495,000 | $234,000 | $7,920,000 |
| Application Approved But Not Accepted | 41 | $7,955,000 | $194,000 | $925,000 | $155,000 | $633,000 |
| File Closed For Incompleteness | 39 | $21,655,000 | $555,000 | $1,925,000 | $415,000 | $5,204,000 |
| Loan Purchased By The Institution | 6 | $3,190,000 | $531,000 | $1,355,000 | $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 | 2,311 | $580,145,000 | $251,000 | $5,005,000 | $223,000 | $7,920,000 |
| Debt-To-Income Ratio | 464 | $98,410,000 | $212,000 | $1,465,000 | $108,000 | $2,540,000 |
| Credit History | 198 | $28,150,000 | $142,000 | $1,905,000 | $363,000 | $8,400,000 |
| Other | 153 | $54,255,000 | $354,000 | $2,355,000 | $280,000 | $3,015,000 |
| Collateral | 77 | $16,425,000 | $213,000 | $2,085,000 | $331,000 | $7,200,000 |
| Unverifiable Information | 30 | $10,610,000 | $353,000 | $2,075,000 | $457,000 | $7,200,000 |
| Credit Application Incomplete | 23 | $7,175,000 | $311,000 | $2,405,000 | $82,000 | $597,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $3,595,000 | $399,000 | $1,045,000 | $193,000 | $748,000 |
| Employment History | 6 | $1,170,000 | $195,000 | $365,000 | $229,000 | $360,000 |
| Mortgage Insurance Denied | 1 | $925,000 | $925,000 | $925,000 | $228,000 | $228,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wescom Central Credit Union's 2023 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.