2023 Totals: $3,758,953,525,000 in Mortgages Applied for out of 11,483,889 Applications
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- Data Updated through 2023
Patelco Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Patelco Credit Union 2007 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 | Patelco Credit Union 5499 Sunrise Blvd Citrus Heights, CA 95610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 5,172 |
| Total Mortgage Loan Application Amount | $921,655,000 |
| Average Mortgage Loan Application Amount | $241,000 |
| Highest Mortgage Loan Application Amount | $1,740,000 |
| Average Applicant Income | $109,666 |
| Highest Applicant Income | $1,202,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Patelco 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 Patelco Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Patelco 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 Patelco Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Patelco 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 Patelco Credit Union's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Adams County Colorado | 2 | $ 105,000 | $ 52,000 | $ 115,000 |
| Adams County Pennsylvania | 2 | $ 733,000 | $ 366,000 | $ 81,000 |
| Alachua County Florida | 1 | $ 50,000 | $ 50,000 | $ 222,000 |
| Alameda County California | 741 | $ 125,062,000 | $ 168,000 | $ 112,000 |
| Allegheny County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 72,000 |
| Amador County California | 8 | $ 436,000 | $ 54,000 | $ 87,000 |
| Arapahoe County Colorado | 1 | $ 66,000 | $ 66,000 | $ 69,000 |
| Atlantic County New Jersey | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Bexar County Texas | 1 | $ 204,000 | $ 204,000 | $ 371,000 |
| Bond County Illinois | 1 | $ 104,000 | $ 104,000 | $ 95,000 |
| Bonneville County Idaho | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Boone County Illinois | 1 | $ 149,000 | $ 149,000 | $ 37,000 |
| Boulder County Colorado | 2 | $ 45,000 | $ 22,000 | $ 92,000 |
| Brevard County Florida | 2 | $ 571,000 | $ 285,000 | $ 183,000 |
| Broward County Florida | 7 | $ 851,000 | $ 121,000 | $ 117,000 |
| Butte County California | 17 | $ 2,388,000 | $ 140,000 | $ 69,000 |
| Calaveras County California | 14 | $ 1,007,000 | $ 71,000 | $ 129,000 |
| Cameron County Texas | 1 | $ 81,000 | $ 81,000 | $ 42,000 |
| Canadian County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Cheshire County New Hampshire | 1 | $ 123,000 | $ 123,000 | $ 56,000 |
| Clackamas County Oregon | 2 | $ 175,000 | $ 87,000 | $ 94,000 |
| Clark County Nevada | 30 | $ 4,750,000 | $ 158,000 | $ 127,000 |
| Clark County Washington | 5 | $ 230,000 | $ 46,000 | $ 99,000 |
| Clay County Florida | 3 | $ 212,000 | $ 70,000 | $ 66,000 |
| Clayton County Georgia | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Cobb County Georgia | 1 | $ 111,000 | $ 111,000 | $ 25,000 |
| Cole County Missouri | 1 | $ 243,000 | $ 243,000 | $ 150,000 |
| Collier County Florida | 3 | $ 757,000 | $ 252,000 | $ 157,000 |
| Colusa County California | 3 | $ 671,000 | $ 223,000 | $ 69,000 |
| Contra Costa County California | 885 | $ 150,975,000 | $ 170,000 | $ 121,000 |
| Cook County Illinois | 47 | $ 4,917,000 | $ 104,000 | $ 92,000 |
| Craven County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 92,000 |
| Crittenden County Arkansas | 1 | $ 147,000 | $ 147,000 | $ 82,000 |
| Cumberland County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 96,000 |
| Curry County Oregon | 2 | $ 307,000 | $ 153,000 | $ 88,000 |
| Dallas County Texas | 6 | $ 887,000 | $ 147,000 | $ 102,000 |
| DeKalb County Georgia | 1 | $ 178,000 | $ 178,000 | $ 100,000 |
| DeKalb County Illinois | 1 | $ 25,000 | $ 25,000 | $ 156,000 |
| Del Norte County California | 3 | $ 674,000 | $ 224,000 | $ 85,000 |
| Deschutes County Oregon | 1 | $ 456,000 | $ 456,000 | $ 148,000 |
| DeSoto County Mississippi | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Dona Ana County New Mexico | 1 | $ 300,000 | $ 300,000 | $ 262,000 |
| Douglas County Colorado | 3 | $ 255,000 | $ 85,000 | $ 160,000 |
| Douglas County Nebraska | 1 | $ 230,000 | $ 230,000 | $ 113,000 |
| Douglas County Nevada | 2 | $ 614,000 | $ 307,000 | $ 92,000 |
| Douglas County Oregon | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| DuPage County Illinois | 12 | $ 1,409,000 | $ 117,000 | $ 123,000 |
| Duval County Florida | 1 | $ 42,000 | $ 42,000 | $ 74,000 |
| East Baton Rouge County Louisiana | 1 | $ 140,000 | $ 140,000 | $ 100,000 |
| El Dorado County California | 56 | $ 10,474,000 | $ 187,000 | $ 115,000 |
| El Paso County Colorado | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| El Paso County Texas | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Elbert County Colorado | 1 | $ 153,000 | $ 153,000 | $ 55,000 |
| Escambia County Florida | 1 | $ 107,000 | $ 107,000 | $ 39,000 |
| Fayette County Kentucky | 2 | $ 252,000 | $ 126,000 | $ 111,000 |
| Fort Bend County Texas | 3 | $ 347,000 | $ 115,000 | $ 55,000 |
| Franklin County Illinois | 1 | $ 25,000 | $ 25,000 | $ 9,000 |
| Fremont County Colorado | 2 | $ 153,000 | $ 76,000 | $ 65,000 |
| Fresno County California | 27 | $ 3,830,000 | $ 141,000 | $ 85,000 |
| Fulton County Georgia | 1 | $ 575,000 | $ 575,000 | $ 185,000 |
| Galveston County Texas | 2 | $ 250,000 | $ 125,000 | $ 146,000 |
| Gaston County North Carolina | 2 | $ 554,000 | $ 277,000 | $ 160,000 |
| Glenn County California | 3 | $ 400,000 | $ 133,000 | $ 98,000 |
| Grant County Indiana | 2 | $ 139,000 | $ 69,000 | $ 46,000 |
| Grundy County Illinois | 1 | $ 20,000 | $ 20,000 | $ 75,000 |
| Guilford County North Carolina | 2 | $ 268,000 | $ 134,000 | $ 76,000 |
| Gwinnett County Georgia | 2 | $ 312,000 | $ 156,000 | $ 85,000 |
| Hamilton County Indiana | 2 | $ 389,000 | $ 194,000 | $ 90,000 |
| Harris County Texas | 5 | $ 492,000 | $ 98,000 | $ 85,000 |
| Henrico County Virginia | 1 | $ 201,000 | $ 201,000 | $ 74,000 |
| Hillsborough County Florida | 9 | $ 843,000 | $ 93,000 | $ 93,000 |
| Hinds County Mississippi | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Honolulu County Hawaii | 1 | $ 207,000 | $ 207,000 | $ 88,000 |
| Hopkins County Kentucky | 1 | $ 141,000 | $ 141,000 | $ 130,000 |
| Humboldt County California | 30 | $ 2,731,000 | $ 91,000 | $ 73,000 |
| Jackson County Oregon | 2 | $ 327,000 | $ 163,000 | $ 103,000 |
| Jefferson County Illinois | 2 | $ 80,000 | $ 40,000 | $ 36,000 |
| Johnson County Indiana | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| Johnson County Kansas | 2 | $ 319,000 | $ 159,000 | $ 107,000 |
| Josephine County Oregon | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Kane County Illinois | 1 | $ 230,000 | $ 230,000 | $ 64,000 |
| Kendall County Illinois | 1 | $ 62,000 | $ 62,000 | $ 118,000 |
| Kern County California | 63 | $ 6,094,000 | $ 96,000 | $ 86,000 |
| King County Washington | 5 | $ 1,524,000 | $ 304,000 | $ 135,000 |
| Kings County California | 2 | $ 70,000 | $ 35,000 | $ 128,000 |
| Kings County New York | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Kitsap County Washington | 3 | $ 566,000 | $ 188,000 | $ 141,000 |
| Knox County Tennessee | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Lake County California | 12 | $ 1,696,000 | $ 141,000 | $ 133,000 |
| Lake County Florida | 3 | $ 285,000 | $ 95,000 | $ 64,000 |
| Lake County Illinois | 25 | $ 3,843,000 | $ 153,000 | $ 130,000 |
| Lake County Indiana | 1 | $ 147,000 | $ 147,000 | $ 48,000 |
| Lancaster County Nebraska | 2 | $ 179,000 | $ 89,000 | $ 70,000 |
| Lancaster County South Carolina | 1 | $ 360,000 | $ 360,000 | $ 92,000 |
| Lane County Oregon | 3 | $ 183,000 | $ 61,000 | $ 118,000 |
| Lauderdale County Alabama | 1 | $ 77,000 | $ 77,000 | $ 34,000 |
| Lee County Florida | 2 | $ 236,000 | $ 118,000 | $ 47,000 |
| Lexington County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 162,000 |
| Los Angeles County California | 47 | $ 10,866,000 | $ 231,000 | $ 130,000 |
| Loudoun County Virginia | 2 | $ 473,000 | $ 236,000 | $ 170,000 |
| Lyon County Nevada | 2 | $ 391,000 | $ 195,000 | $ 88,000 |
| Madera County California | 10 | $ 1,511,000 | $ 151,000 | $ 97,000 |
| Madison County Alabama | 1 | $ 206,000 | $ 206,000 | $ 135,000 |
| Mahoning County Ohio | 2 | $ 110,000 | $ 55,000 | $ 10,000 |
| Maricopa County Arizona | 49 | $ 6,575,000 | $ 134,000 | $ 100,000 |
| Marin County California | 77 | $ 16,537,000 | $ 214,000 | $ 147,000 |
| Marion County Florida | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Marion County Indiana | 2 | $ 304,000 | $ 152,000 | $ 40,000 |
| Marion County Oregon | 2 | $ 236,000 | $ 118,000 | $ 93,000 |
| Mariposa County California | 5 | $ 538,000 | $ 107,000 | $ 75,000 |
| Marshall County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| McLean County Illinois | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Mendocino County California | 7 | $ 707,000 | $ 101,000 | $ 130,000 |
| Merced County California | 33 | $ 5,369,000 | $ 162,000 | $ 80,000 |
| Miami-Dade County Florida | 6 | $ 255,000 | $ 42,000 | $ 101,000 |
| Middlesex County Massachusetts | 2 | $ 268,000 | $ 134,000 | $ 144,000 |
| Middlesex County New Jersey | 6 | $ 1,226,000 | $ 204,000 | $ 99,000 |
| Milwaukee County Wisconsin | 1 | $ 129,000 | $ 129,000 | $ 79,000 |
| Missoula County Montana | 3 | $ 341,000 | $ 113,000 | $ 103,000 |
| Modoc County California | 1 | $ 20,000 | $ 20,000 | $ 59,000 |
| Mohave County Arizona | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Monterey County California | 8 | $ 1,250,000 | $ 156,000 | $ 152,000 |
| Montgomery County Maryland | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Montrose County Colorado | 1 | $ 20,000 | $ 20,000 | $ 83,000 |
| Multnomah County Oregon | 8 | $ 1,116,000 | $ 139,000 | $ 137,000 |
| Napa County California | 27 | $ 5,704,000 | $ 211,000 | $ 120,000 |
| Nevada County California | 17 | $ 2,012,000 | $ 118,000 | $ 112,000 |
| New Castle County Delaware | 1 | $ 268,000 | $ 268,000 | $ 98,000 |
| New Hanover County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 90,000 |
| New London County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Niagara County New York | 2 | $ 160,000 | $ 80,000 | $ 58,000 |
| Northampton County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Oakland County Michigan | 2 | $ 414,000 | $ 207,000 | $ 122,000 |
| Orange County California | 16 | $ 3,231,000 | $ 201,000 | $ 175,000 |
| Orange County Florida | 18 | $ 2,528,000 | $ 140,000 | $ 79,000 |
| Osceola County Florida | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Palm Beach County Florida | 11 | $ 2,272,000 | $ 206,000 | $ 90,000 |
| Pasco County Florida | 3 | $ 239,000 | $ 79,000 | $ 86,000 |
| Peoria County Illinois | 3 | $ 94,000 | $ 31,000 | $ 70,000 |
| Philadelphia County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 174,000 |
| Pickens County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Pierce County Washington | 1 | $ 150,000 | $ 150,000 | $ 107,000 |
| Pima County Arizona | 4 | $ 446,000 | $ 111,000 | $ 74,000 |
| Pinal County Arizona | 1 | $ 62,000 | $ 62,000 | $ 68,000 |
| Pinellas County Florida | 7 | $ 769,000 | $ 109,000 | $ 98,000 |
| Placer County California | 145 | $ 19,108,000 | $ 131,000 | $ 114,000 |
| Plumas County California | 2 | $ 375,000 | $ 187,000 | $ 83,000 |
| Polk County Florida | 3 | $ 427,000 | $ 142,000 | $ 44,000 |
| Pontotoc County Oklahoma | 1 | $ 41,000 | $ 41,000 | $ 155,000 |
| Prince George's County Maryland | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Queens County New York | 2 | $ 489,000 | $ 244,000 | $ 86,000 |
| Rapides County Louisiana | 1 | $ 140,000 | $ 140,000 | $ 62,000 |
| Richmond County New York | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| Riverside County California | 37 | $ 5,914,000 | $ 159,000 | $ 130,000 |
| Rockingham County New Hampshire | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Rockwall County Texas | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Rutland County Vermont | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Sacramento County California | 516 | $ 68,069,000 | $ 131,000 | $ 90,000 |
| Saline County Arkansas | 1 | $ 323,000 | $ 323,000 | $ 110,000 |
| Salt Lake County Utah | 1 | $ 303,000 | $ 303,000 | $ 94,000 |
| San Benito County California | 3 | $ 1,218,000 | $ 406,000 | $ 194,000 |
| San Bernardino County California | 13 | $ 2,654,000 | $ 204,000 | $ 131,000 |
| San Diego County California | 21 | $ 6,686,000 | $ 318,000 | $ 168,000 |
| San Francisco County California | 172 | $ 45,012,000 | $ 261,000 | $ 126,000 |
| San Joaquin County California | 109 | $ 18,225,000 | $ 167,000 | $ 97,000 |
| San Luis Obispo County California | 6 | $ 393,000 | $ 65,000 | $ 96,000 |
| San Mateo County California | 317 | $ 76,648,000 | $ 241,000 | $ 128,000 |
| Santa Barbara County California | 4 | $ 367,000 | $ 91,000 | $ 161,000 |
| Santa Clara County California | 189 | $ 33,471,000 | $ 177,000 | $ 123,000 |
| Santa Cruz County Arizona | 1 | $ 87,000 | $ 87,000 | $ 144,000 |
| Santa Cruz County California | 46 | $ 5,116,000 | $ 111,000 | $ 114,000 |
| Seminole County Florida | 1 | $ 475,000 | $ 475,000 | $ 240,000 |
| Shasta County California | 11 | $ 1,214,000 | $ 110,000 | $ 78,000 |
| Shelby County Tennessee | 3 | $ 374,000 | $ 124,000 | $ 101,000 |
| Sierra County California | 2 | $ 20,000 | $ 10,000 | $ 62,000 |
| Siskiyou County California | 4 | $ 467,000 | $ 116,000 | $ 72,000 |
| Snohomish County Washington | 5 | $ 1,918,000 | $ 383,000 | $ 178,000 |
| Solano County California | 248 | $ 39,080,000 | $ 157,000 | $ 106,000 |
| Sonoma County California | 218 | $ 29,021,000 | $ 133,000 | $ 102,000 |
| St. Lucie County Florida | 8 | $ 877,000 | $ 109,000 | $ 75,000 |
| St. Tammany County Louisiana | 1 | $ 234,000 | $ 234,000 | $ 80,000 |
| Stanislaus County California | 47 | $ 7,733,000 | $ 164,000 | $ 98,000 |
| Strafford County New Hampshire | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Suffolk County Massachusetts | 1 | $ 269,000 | $ 269,000 | $ 75,000 |
| Sumner County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Sutter County California | 5 | $ 687,000 | $ 137,000 | $ 94,000 |
| Tarrant County Texas | 3 | $ 627,000 | $ 209,000 | $ 81,000 |
| Tazewell County Illinois | 3 | $ 241,000 | $ 80,000 | $ 85,000 |
| Tehama County California | 2 | $ 35,000 | $ 17,000 | $ 59,000 |
| Thurston County Washington | 1 | $ 12,000 | $ 12,000 | $ 44,000 |
| Travis County Texas | 1 | $ 84,000 | $ 84,000 | $ 110,000 |
| Trinity County California | 1 | $ 57,000 | $ 57,000 | $ 94,000 |
| Tulare County California | 3 | $ 177,000 | $ 59,000 | $ 70,000 |
| Tuolumne County California | 3 | $ 311,000 | $ 103,000 | $ 101,000 |
| Ventura County California | 4 | $ 667,000 | $ 166,000 | $ 197,000 |
| Vermilion County Illinois | 3 | $ 432,000 | $ 144,000 | $ 127,000 |
| Virginia Beach County Virginia | 1 | $ 230,000 | $ 230,000 | $ 103,000 |
| Volusia County Florida | 3 | $ 213,000 | $ 71,000 | $ 128,000 |
| Wake County North Carolina | 1 | $ 374,000 | $ 374,000 | $ 188,000 |
| Wasco County Oregon | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Washington County Minnesota | 1 | $ 263,000 | $ 263,000 | $ 68,000 |
| Washington County Oregon | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Washington County Tennessee | 1 | $ 298,000 | $ 298,000 | $ 100,000 |
| Washoe County Nevada | 13 | $ 1,594,000 | $ 122,000 | $ 98,000 |
| Washtenaw County Michigan | 1 | $ 222,000 | $ 222,000 | $ 74,000 |
| Wayne County Michigan | 3 | $ 705,000 | $ 235,000 | $ 155,000 |
| Weld County Colorado | 1 | $ 38,000 | $ 38,000 | $ 118,000 |
| Westchester County New York | 1 | $ 430,000 | $ 430,000 | $ 124,000 |
| Whatcom County Washington | 1 | $ 53,000 | $ 53,000 | $ 71,000 |
| Will County Illinois | 2 | $ 339,000 | $ 169,000 | $ 105,000 |
| Williamson County Texas | 2 | $ 402,000 | $ 201,000 | $ 89,000 |
| Wilson County Tennessee | 1 | $ 252,000 | $ 252,000 | $ 78,000 |
| Windsor County Vermont | 1 | $ 190,000 | $ 190,000 | $ 75,000 |
| Woodford County Illinois | 2 | $ 300,000 | $ 150,000 | $ 40,000 |
| Worcester County Massachusetts | 1 | $ 233,000 | $ 233,000 | $ 69,000 |
| Wyandotte County Kansas | 2 | $ 124,000 | $ 62,000 | $ 61,000 |
| Yamhill County Oregon | 1 | $ 80,000 | $ 80,000 | $ 135,000 |
| Yavapai County Arizona | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Yolo County California | 19 | $ 3,322,000 | $ 174,000 | $ 109,000 |
| Yuba County California | 8 | $ 1,434,000 | $ 179,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2007
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 | 2,955 | $192,906,000 | $65,000 | $500,000 | $111,000 | $1,202,000 |
| Refinancing | 1,462 | $477,638,000 | $326,000 | $1,740,000 | $107,000 | $543,000 |
| Home Purchase | 755 | $251,111,000 | $332,000 | $1,500,000 | $111,000 | $412,000 |
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 | 2,440 | $393,590,000 | $161,000 | $1,500,000 | $111,000 | $963,000 |
| Hispanic | 846 | $146,015,000 | $172,000 | $1,200,000 | $100,000 | $677,000 |
| Asian | 733 | $159,937,000 | $218,000 | $1,350,000 | $118,000 | $600,000 |
| Black or African American | 627 | $109,357,000 | $174,000 | $907,000 | $103,000 | $1,202,000 |
| Not Provided | 216 | $55,591,000 | $257,000 | $1,740,000 | $118,000 | $461,000 |
| Native Hawaiian or Other Pacific Islander | 192 | $38,810,000 | $202,000 | $885,000 | $117,000 | $543,000 |
| American Indian or Alaskan Native | 118 | $18,355,000 | $155,000 | $1,000,000 | $105,000 | $353,000 |
| 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) | 5,172 | $921,655,000 | $178,000 | $1,740,000 | $110,000 | $1,202,000 |
| 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 | 2,556 | $368,211,000 | $144,000 | $1,203,000 | $116,000 | $1,202,000 |
| Application Denied By Financial Institution | 1,028 | $212,713,000 | $206,000 | $1,350,000 | $93,000 | $690,000 |
| File Closed For Incompleteness | 551 | $114,845,000 | $208,000 | $1,740,000 | $106,000 | $963,000 |
| Application Approved But Not Accepted | 478 | $103,008,000 | $215,000 | $1,500,000 | $118,000 | $491,000 |
| Application Withdrawn By Applicant | 395 | $64,172,000 | $162,000 | $974,000 | $110,000 | $600,000 |
| Preapproval Approved but not Accepted | 162 | $58,436,000 | $360,000 | $1,000,000 | $116,000 | $384,000 |
| Preapproval Denied by Financial Institution | 2 | $270,000 | $135,000 | $140,000 | $34,000 | $37,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 390 | $89,555,000 | $229,000 | $783,000 | $76,000 | $504,000 |
| Collateral | 259 | $51,363,000 | $198,000 | $1,350,000 | $107,000 | $690,000 |
| Credit History | 184 | $41,096,000 | $223,000 | $1,120,000 | $97,000 | $300,000 |
| Other | 38 | $6,973,000 | $183,000 | $1,103,000 | $116,000 | $402,000 |
| Unverifiable Information | 11 | $3,268,000 | $297,000 | $803,000 | $110,000 | $216,000 |
| Credit Application Incomplete | 4 | $849,000 | $212,000 | $717,000 | $152,000 | $210,000 |
| Employment History | 4 | $1,008,000 | $252,000 | $489,000 | $83,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2007 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 Patelco 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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