Pacific Service Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014

Pacific Service Credit Union 2014 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 Pacific Service Credit Union
3000 Clayton Road
Concord, CA 94519
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 441
Total Mortgage Loan Application Amount $74,101,000
Average Mortgage Loan Application Amount $163,333
Highest Mortgage Loan Application Amount $884,000
Average Applicant Income $111,666
Highest Applicant Income $414,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2014 with Pacific Service 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 Pacific Service Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2014 breaks down Pacific Service 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 Pacific Service Credit Union serves its applicants.

Each category highlights the total number of mortgage applications processed by Pacific Service 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 Pacific Service Credit Union's mortgage activity for 2014.

Mortgage Loan Application Totals for Pacific Service Credit Union by Metropolitan Area in 2014

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
OAKLAND-HAYWARD-BERKELEY, CA 131 $ 26,781,000 $ 204,000 $ 121,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 39 $ 6,044,000 $ 154,000 $ 103,000
FRESNO, CA 34 $ 3,652,000 $ 107,000 $ 78,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 27 $ 5,689,000 $ 210,000 $ 111,000
VALLEJO-FAIRFIELD, CA 27 $ 4,905,000 $ 181,000 $ 120,000
STOCKTON-LODI, CA 22 $ 3,190,000 $ 145,000 $ 102,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 20 $ 2,629,000 $ 131,000 $ 126,000
SANTA ROSA, CA 15 $ 2,161,000 $ 144,000 $ 104,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 13 $ 2,091,000 $ 160,000 $ 139,000
CHICO, CA 9 $ 1,291,000 $ 143,000 $ 85,000
REDDING, CA 9 $ 1,391,000 $ 154,000 $ 90,000
MODESTO, CA 7 $ 796,000 $ 113,000 $ 91,000
NAPA, CA 7 $ 1,656,000 $ 236,000 $ 121,000
MADERA, CA 6 $ 859,000 $ 143,000 $ 67,000
SAN RAFAEL, CA 6 $ 794,000 $ 132,000 $ 170,000
BAKERSFIELD, CA 5 $ 983,000 $ 196,000 $ 95,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 5 $ 490,000 $ 98,000 $ 141,000
MERCED, CA 4 $ 530,000 $ 132,000 $ 108,000
SALINAS, CA 4 $ 1,101,000 $ 275,000 $ 145,000
SANTA CRUZ-WATSONVILLE, CA 4 $ 1,047,000 $ 261,000 $ 112,000
VISALIA-PORTERVILLE, CA 4 $ 499,000 $ 124,000 $ 74,000
YUBA CITY, CA 4 $ 425,000 $ 106,000 $ 92,000
HANFORD-CORCORAN, CA 3 $ 275,000 $ 91,000 $ 102,000
RENO, NV 2 $ 427,000 $ 213,000 $ 140,000
ANAHEIM-SANTA ANA-IRVINE, CA 1 $ 145,000 $ 145,000 $ 211,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 1 $ 60,000 $ 60,000 $ 59,000
OLYMPIA-TUMWATER, WA 1 $ 30,000 $ 30,000 $ 66,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 1 $ 147,000 $ 147,000 $ 138,000

Mortgage Loan Application Detail Totals for Pacific Service Credit Union in 2014

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 296 $60,001,000 $202,000 $884,000 $111,000 $414,000
Home Improvement 111 $6,152,000 $55,000 $417,000 $113,000 $300,000
Home Purchase 34 $7,948,000 $233,000 $626,000 $111,000 $309,000

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 222 $33,986,000 $153,000 $626,000 $112,000 $364,000
Not Provided 133 $24,149,000 $181,000 $610,000 $111,000 $341,000
Hispanic 39 $6,924,000 $177,000 $550,000 $106,000 $235,000
Asian 28 $5,021,000 $179,000 $535,000 $101,000 $266,000
Black or African American 8 $2,568,000 $321,000 $884,000 $172,000 $414,000
Native Hawaiian or Other Pacific Islander 8 $1,137,000 $142,000 $264,000 $108,000 $161,000
American Indian or Alaskan Native 3 $316,000 $105,000 $229,000 $119,000 $128,000
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) 441 $74,101,000 $168,000 $884,000 $111,000 $414,000
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 239 $36,252,000 $151,000 $626,000 $112,000 $364,000
Application Denied By Financial Institution 112 $19,494,000 $174,000 $884,000 $109,000 $414,000
Application Withdrawn By Applicant 76 $15,597,000 $205,000 $610,000 $118,000 $295,000
File Closed For Incompleteness 12 $2,318,000 $193,000 $427,000 $78,000 $133,000
Application Approved But Not Accepted 2 $440,000 $220,000 $365,000 $91,000 $96,000
Loan Purchased By The Institution 0 $0 $0 $0 $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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Service Credit Union's 2014 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 Pacific Service 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.

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