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 2012
Patelco Credit Union 2012 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 5050 Hopyard Road Dublin, CA 94588 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 |
| Total Number of Mortgage Applications | 3,767 |
| Total Mortgage Loan Application Amount | $1,027,735,000 |
| Average Mortgage Loan Application Amount | $258,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $117,000 |
| Highest Applicant Income | $3,561,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ada County Idaho | 1 | $ 100,000 | $ 100,000 | $ 135,000 |
| Alameda County California | 724 | $ 209,710,000 | $ 289,000 | $ 114,000 |
| Amador County California | 13 | $ 2,269,000 | $ 174,000 | $ 108,000 |
| Anoka County Minnesota | 1 | $ 184,000 | $ 184,000 | $ 33,000 |
| Arkansas County Arkansas | 1 | $ 136,000 | $ 136,000 | $ 164,000 |
| Arlington County Virginia | 1 | $ 299,000 | $ 299,000 | $ 155,000 |
| Ascension County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Baldwin County Alabama | 1 | $ 143,000 | $ 143,000 | $ 63,000 |
| Baltimore City County Maryland | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Benton County Oregon | 2 | $ 366,000 | $ 183,000 | $ 97,000 |
| Berkeley County West Virginia | 1 | $ 293,000 | $ 293,000 | $ 107,000 |
| Bernalillo County New Mexico | 5 | $ 692,000 | $ 138,000 | $ 125,000 |
| Bexar County Texas | 2 | $ 281,000 | $ 140,000 | $ 158,000 |
| Blaine County Idaho | 2 | $ 211,000 | $ 105,000 | $ 250,000 |
| Boulder County Colorado | 1 | $ 130,000 | $ 130,000 | $ 89,000 |
| Brevard County Florida | 1 | $ 212,000 | $ 212,000 | $ 114,000 |
| Broward County Florida | 2 | $ 431,000 | $ 215,000 | $ 119,000 |
| Butte County California | 8 | $ 1,418,000 | $ 177,000 | $ 97,000 |
| Calaveras County California | 7 | $ 1,329,000 | $ 189,000 | $ 134,000 |
| Canyon County Idaho | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Cass County Michigan | 1 | $ 296,000 | $ 296,000 | $ 168,000 |
| Churchill County Nevada | 1 | $ 106,000 | $ 106,000 | $ 23,000 |
| Clackamas County Oregon | 1 | $ 396,000 | $ 396,000 | $ 120,000 |
| Clark County Nevada | 2 | $ 275,000 | $ 137,000 | $ 90,000 |
| Clark County Washington | 1 | $ 128,000 | $ 128,000 | $ 112,000 |
| Clarke County Alabama | 1 | $ 184,000 | $ 184,000 | $ 70,000 |
| Clay County Florida | 1 | $ 128,000 | $ 128,000 | $ 52,000 |
| Clay County Illinois | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Clay County Missouri | 2 | $ 299,000 | $ 149,000 | $ 107,000 |
| Clayton County Georgia | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Cole County Missouri | 1 | $ 102,000 | $ 102,000 | $ 90,000 |
| Collier County Florida | 1 | $ 410,000 | $ 410,000 | $ 185,000 |
| Collin County Texas | 1 | $ 320,000 | $ 320,000 | $ 142,000 |
| Colusa County California | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Contra Costa County California | 705 | $ 205,466,000 | $ 291,000 | $ 126,000 |
| Cook County Illinois | 25 | $ 4,861,000 | $ 194,000 | $ 97,000 |
| Cuyahoga County Ohio | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| DeKalb County Illinois | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Denver County Colorado | 1 | $ 217,000 | $ 217,000 | $ 110,000 |
| District of Columbia County District Of Columbia | 1 | $ 233,000 | $ 233,000 | $ 85,000 |
| Dodge County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 65,000 |
| Douglas County Colorado | 2 | $ 436,000 | $ 218,000 | $ 71,000 |
| Douglas County Georgia | 4 | $ 538,000 | $ 134,000 | $ 48,000 |
| Douglas County Nebraska | 2 | $ 324,000 | $ 162,000 | $ 130,000 |
| Douglas County Nevada | 1 | $ 499,000 | $ 499,000 | $ 112,000 |
| DuPage County Illinois | 2 | $ 909,000 | $ 454,000 | $ 186,000 |
| Eagle County Colorado | 1 | $ 204,000 | $ 204,000 | $ 72,000 |
| El Dorado County California | 50 | $ 14,273,000 | $ 285,000 | $ 108,000 |
| El Paso County Colorado | 1 | $ 99,000 | $ 99,000 | $ 14,000 |
| Elbert County Colorado | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Ellis County Texas | 2 | $ 312,000 | $ 156,000 | $ 184,000 |
| Essex County Massachusetts | 1 | $ 89,000 | $ 89,000 | $ 73,000 |
| Essex County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 68,000 |
| Fauquier County Virginia | 2 | $ 808,000 | $ 404,000 | $ 197,000 |
| Flathead County Montana | 1 | $ 150,000 | $ 150,000 | $ 71,000 |
| Fort Bend County Texas | 3 | $ 773,000 | $ 257,000 | $ 126,000 |
| Franklin County Missouri | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
| Franklin County Ohio | 1 | $ 417,000 | $ 417,000 | $ 215,000 |
| Frederick County Maryland | 2 | $ 471,000 | $ 235,000 | $ 91,000 |
| Fresno County California | 15 | $ 1,738,000 | $ 115,000 | $ 95,000 |
| Fulton County Georgia | 1 | $ 197,000 | $ 197,000 | $ 62,000 |
| Gaston County North Carolina | 1 | $ 80,000 | $ 80,000 | $ 93,000 |
| Gloucester County New Jersey | 1 | $ 186,000 | $ 186,000 | $ 150,000 |
| Guilford County North Carolina | 2 | $ 723,000 | $ 361,000 | $ 171,000 |
| Hamilton County Indiana | 1 | $ 310,000 | $ 310,000 | $ 113,000 |
| Hamilton County Ohio | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Harford County Maryland | 1 | $ 348,000 | $ 348,000 | $ 105,000 |
| Harris County Texas | 2 | $ 371,000 | $ 185,000 | $ 127,000 |
| Hartford County Connecticut | 1 | $ 278,000 | $ 278,000 | $ 446,000 |
| Hawaii County Hawaii | 2 | $ 253,000 | $ 126,000 | $ 111,000 |
| Hennepin County Minnesota | 2 | $ 309,000 | $ 154,000 | $ 79,000 |
| Henrico County Virginia | 1 | $ 438,000 | $ 438,000 | $ 160,000 |
| Hernando County Florida | 1 | $ 280,000 | $ 280,000 | $ 394,000 |
| Hillsborough County Florida | 3 | $ 504,000 | $ 168,000 | $ 124,000 |
| Hinds County Mississippi | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Honolulu County Hawaii | 4 | $ 868,000 | $ 217,000 | $ 146,000 |
| Howard County Maryland | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Hudson County New Jersey | 1 | $ 434,000 | $ 434,000 | $ 180,000 |
| Humboldt County California | 7 | $ 1,377,000 | $ 196,000 | $ 129,000 |
| Inyo County California | 2 | $ 307,000 | $ 153,000 | $ 117,000 |
| Iron County Utah | 1 | $ 157,000 | $ 157,000 | $ 151,000 |
| Jackson County Missouri | 1 | $ 375,000 | $ 375,000 | $ 195,000 |
| Jackson County Oregon | 1 | $ 217,000 | $ 217,000 | $ 72,000 |
| Jefferson County Colorado | 1 | $ 207,000 | $ 207,000 | $ 119,000 |
| Johnson County Iowa | 1 | $ 109,000 | $ 109,000 | $ 505,000 |
| Johnson County Kansas | 1 | $ 260,000 | $ 260,000 | $ 109,000 |
| Kauai County Hawaii | 1 | $ 100,000 | $ 100,000 | $ 233,000 |
| Kendall County Illinois | 1 | $ 199,000 | $ 199,000 | $ 128,000 |
| Kenosha County Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 141,000 |
| Kent County Rhode Island | 1 | $ 187,000 | $ 187,000 | $ 110,000 |
| Kern County California | 16 | $ 2,565,000 | $ 160,000 | $ 67,000 |
| King County Washington | 8 | $ 2,043,000 | $ 255,000 | $ 105,000 |
| Kings County California | 2 | $ 106,000 | $ 53,000 | $ 92,000 |
| Kitsap County Washington | 2 | $ 374,000 | $ 187,000 | $ 194,000 |
| Klickitat County Washington | 1 | $ 97,000 | $ 97,000 | $ 78,000 |
| Lafourche County Louisiana | 1 | $ 174,000 | $ 174,000 | $ 123,000 |
| Lake County California | 9 | $ 1,183,000 | $ 131,000 | $ 80,000 |
| Lake County Illinois | 9 | $ 1,662,000 | $ 184,000 | $ 125,000 |
| Lamar County Mississippi | 1 | $ 186,000 | $ 186,000 | $ 56,000 |
| Lane County Oregon | 1 | $ 109,000 | $ 109,000 | $ 191,000 |
| Lee County Alabama | 1 | $ 261,000 | $ 261,000 | $ 104,000 |
| Lee County Florida | 2 | $ 403,000 | $ 201,000 | $ 118,000 |
| Lee County Mississippi | 1 | $ 116,000 | $ 116,000 | $ 140,000 |
| Lexington County South Carolina | 2 | $ 467,000 | $ 233,000 | $ 104,000 |
| Los Angeles County California | 34 | $ 11,557,000 | $ 339,000 | $ 129,000 |
| Lyon County Nevada | 2 | $ 165,000 | $ 82,000 | $ 60,000 |
| Madera County California | 4 | $ 1,037,000 | $ 259,000 | $ 143,000 |
| Maricopa County Arizona | 12 | $ 1,568,000 | $ 130,000 | $ 128,000 |
| Marin County California | 70 | $ 26,826,000 | $ 383,000 | $ 168,000 |
| Marion County Florida | 2 | $ 244,000 | $ 122,000 | $ 58,000 |
| Marion County Oregon | 1 | $ 122,000 | $ 122,000 | $ 25,000 |
| Mariposa County California | 2 | $ 451,000 | $ 225,000 | $ 74,000 |
| Maui County Hawaii | 1 | $ 272,000 | $ 272,000 | $ 146,000 |
| McHenry County Illinois | 3 | $ 1,315,000 | $ 438,000 | $ 112,000 |
| Mecklenburg County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 98,000 |
| Mendocino County California | 8 | $ 1,818,000 | $ 227,000 | $ 132,000 |
| Merced County California | 17 | $ 3,087,000 | $ 181,000 | $ 105,000 |
| Miami-Dade County Florida | 3 | $ 1,015,000 | $ 338,000 | $ 230,000 |
| Middlesex County New Jersey | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Mineral County Colorado | 1 | $ 80,000 | $ 80,000 | $ 171,000 |
| Missoula County Montana | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Mohave County Arizona | 4 | $ 541,000 | $ 135,000 | $ 170,000 |
| Mono County California | 1 | $ 189,000 | $ 189,000 | $ 157,000 |
| Monterey County California | 12 | $ 3,359,000 | $ 279,000 | $ 119,000 |
| Montgomery County Maryland | 2 | $ 610,000 | $ 305,000 | $ 105,000 |
| Morris County New Jersey | 2 | $ 745,000 | $ 372,000 | $ 73,000 |
| Multnomah County Oregon | 6 | $ 1,100,000 | $ 183,000 | $ 121,000 |
| Napa County California | 9 | $ 2,467,000 | $ 274,000 | $ 112,000 |
| Nassau County New York | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Navajo County Arizona | 1 | $ 74,000 | $ 74,000 | $ 43,000 |
| Nevada County California | 27 | $ 6,794,000 | $ 251,000 | $ 115,000 |
| New Castle County Delaware | 1 | $ 82,000 | $ 82,000 | $ 95,000 |
| New York County New York | 1 | $ 871,000 | $ 871,000 | $ 683,000 |
| Okaloosa County Florida | 1 | $ 212,000 | $ 212,000 | $ 142,000 |
| Orange County California | 8 | $ 3,263,000 | $ 407,000 | $ 149,000 |
| Orange County Florida | 2 | $ 261,000 | $ 130,000 | $ 120,000 |
| Orange County New York | 1 | $ 490,000 | $ 490,000 | $ 162,000 |
| Orleans County Louisiana | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Ottawa County Michigan | 1 | $ 107,000 | $ 107,000 | $ 169,000 |
| Palm Beach County Florida | 3 | $ 592,000 | $ 197,000 | $ 110,000 |
| Pettis County Missouri | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Philadelphia County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 150,000 |
| Pierce County Washington | 1 | $ 223,000 | $ 223,000 | $ 90,000 |
| Pima County Arizona | 2 | $ 95,000 | $ 47,000 | $ 64,000 |
| Pinal County Arizona | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Pinellas County Florida | 1 | $ 50,000 | $ 50,000 | $ 107,000 |
| Pitt County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 96,000 |
| Placer County California | 146 | $ 32,098,000 | $ 219,000 | $ 102,000 |
| Plumas County California | 2 | $ 389,000 | $ 194,000 | $ 70,000 |
| Polk County Florida | 1 | $ 194,000 | $ 194,000 | $ 69,000 |
| Polk County Oregon | 1 | $ 120,000 | $ 120,000 | $ 256,000 |
| Prince George's County Maryland | 1 | $ 180,000 | $ 180,000 | $ 67,000 |
| Prince William County Virginia | 1 | $ 118,000 | $ 118,000 | $ 133,000 |
| Ramsey County Minnesota | 1 | $ 77,000 | $ 77,000 | $ 22,000 |
| Rankin County Mississippi | 1 | $ 153,000 | $ 153,000 | $ 71,000 |
| Richmond County New York | 2 | $ 164,000 | $ 82,000 | $ 53,000 |
| Riverside County California | 22 | $ 4,809,000 | $ 218,000 | $ 143,000 |
| Sacramento County California | 380 | $ 73,127,000 | $ 192,000 | $ 87,000 |
| Salt Lake County Utah | 4 | $ 923,000 | $ 230,000 | $ 112,000 |
| San Benito County California | 2 | $ 449,000 | $ 224,000 | $ 121,000 |
| San Bernardino County California | 4 | $ 730,000 | $ 182,000 | $ 102,000 |
| San Diego County California | 19 | $ 5,792,000 | $ 304,000 | $ 115,000 |
| San Francisco County California | 232 | $ 84,561,000 | $ 364,000 | $ 134,000 |
| San Joaquin County California | 82 | $ 15,908,000 | $ 194,000 | $ 92,000 |
| San Luis Obispo County California | 8 | $ 2,327,000 | $ 290,000 | $ 94,000 |
| San Mateo County California | 259 | $ 90,891,000 | $ 350,000 | $ 136,000 |
| Sandoval County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 16,000 |
| Sangamon County Illinois | 1 | $ 69,000 | $ 69,000 | $ 19,000 |
| Santa Barbara County California | 2 | $ 892,000 | $ 446,000 | $ 124,000 |
| Santa Clara County California | 212 | $ 74,008,000 | $ 349,000 | $ 127,000 |
| Santa Cruz County Arizona | 1 | $ 256,000 | $ 256,000 | $ 78,000 |
| Santa Cruz County California | 29 | $ 8,565,000 | $ 295,000 | $ 154,000 |
| Saratoga County New York | 1 | $ 121,000 | $ 121,000 | $ 93,000 |
| Scott County Iowa | 1 | $ 89,000 | $ 89,000 | $ 57,000 |
| Shasta County California | 5 | $ 1,212,000 | $ 242,000 | $ 112,000 |
| Shelby County Tennessee | 1 | $ 37,000 | $ 37,000 | $ 32,000 |
| Siskiyou County California | 2 | $ 164,000 | $ 82,000 | $ 75,000 |
| Skagit County Washington | 1 | $ 188,000 | $ 188,000 | $ 68,000 |
| Snohomish County Washington | 1 | $ 302,000 | $ 302,000 | $ 115,000 |
| Solano County California | 133 | $ 28,157,000 | $ 211,000 | $ 97,000 |
| Sonoma County California | 148 | $ 38,034,000 | $ 256,000 | $ 103,000 |
| Spokane County Washington | 2 | $ 180,000 | $ 90,000 | $ 215,000 |
| St. Charles County Louisiana | 1 | $ 154,000 | $ 154,000 | $ 82,000 |
| St. Louis County Minnesota | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Stanislaus County California | 18 | $ 2,792,000 | $ 155,000 | $ 94,000 |
| Stephens County Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 79,000 |
| Suffolk County Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Sutter County California | 4 | $ 905,000 | $ 226,000 | $ 85,000 |
| Tehama County California | 1 | $ 88,000 | $ 88,000 | $ 113,000 |
| Tulare County California | 5 | $ 824,000 | $ 164,000 | $ 50,000 |
| Tuolumne County California | 7 | $ 1,063,000 | $ 151,000 | $ 100,000 |
| Ventura County California | 2 | $ 574,000 | $ 287,000 | $ 84,000 |
| Vermilion County Illinois | 1 | $ 120,000 | $ 120,000 | $ 139,000 |
| Volusia County Florida | 1 | $ 54,000 | $ 54,000 | $ 41,000 |
| Wake County North Carolina | 1 | $ 286,000 | $ 286,000 | $ 95,000 |
| Wallowa County Oregon | 1 | $ 90,000 | $ 90,000 | $ 7,000 |
| Walton County Georgia | 1 | $ 304,000 | $ 304,000 | $ 86,000 |
| Walworth County Wisconsin | 1 | $ 244,000 | $ 244,000 | $ 208,000 |
| Warren County Tennessee | 1 | $ 57,000 | $ 57,000 | $ 104,000 |
| Washington County Maine | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Washington County Oregon | 1 | $ 184,000 | $ 184,000 | $ 73,000 |
| Washoe County Nevada | 1 | $ 294,000 | $ 294,000 | $ 67,000 |
| Waukesha County Wisconsin | 1 | $ 259,000 | $ 259,000 | $ 102,000 |
| Wayne County Michigan | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Westmoreland County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 164,000 |
| Whatcom County Washington | 1 | $ 50,000 | $ 50,000 | $ 71,000 |
| Will County Illinois | 3 | $ 362,000 | $ 120,000 | $ 38,000 |
| Wilson County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 83,000 |
| Worcester County Maryland | 1 | $ 90,000 | $ 90,000 | $ 153,000 |
| Worcester County Massachusetts | 1 | $ 124,000 | $ 124,000 | $ 85,000 |
| Yolo County California | 13 | $ 3,702,000 | $ 284,000 | $ 129,000 |
| Yuba County California | 5 | $ 836,000 | $ 167,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Patelco Credit Union in 2012
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 | 2,770 | $781,126,000 | $281,000 | $2,000,000 | $115,000 | $1,940,000 |
| Home Purchase | 532 | $136,266,000 | $256,000 | $1,115,000 | $124,000 | $3,561,000 |
| Home Improvement | 465 | $110,343,000 | $237,000 | $1,000,000 | $112,000 | $1,365,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 1,510 | $408,987,000 | $270,000 | $1,440,000 | $118,000 | $3,561,000 |
| White | 1,458 | $392,587,000 | $269,000 | $2,000,000 | $116,000 | $1,365,000 |
| Asian | 366 | $114,895,000 | $313,000 | $1,272,000 | $129,000 | $1,019,000 |
| Hispanic | 257 | $66,898,000 | $260,000 | $1,382,000 | $93,000 | $332,000 |
| Black or African American | 128 | $31,951,000 | $249,000 | $920,000 | $99,000 | $553,000 |
| Native Hawaiian or Other Pacific Islander | 33 | $8,532,000 | $258,000 | $744,000 | $124,000 | $446,000 |
| American Indian or Alaskan Native | 15 | $3,885,000 | $259,000 | $417,000 | $97,000 | $208,000 |
| 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) | 3,767 | $1,027,735,000 | $272,000 | $2,000,000 | $116,000 | $3,561,000 |
| 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 | 1,967 | $528,420,000 | $268,000 | $2,000,000 | $115,000 | $1,940,000 |
| File Closed For Incompleteness | 757 | $217,938,000 | $287,000 | $1,440,000 | $126,000 | $1,300,000 |
| Application Denied By Financial Institution | 623 | $168,855,000 | $271,000 | $1,572,000 | $105,000 | $3,561,000 |
| Application Withdrawn By Applicant | 352 | $94,645,000 | $268,000 | $1,000,000 | $124,000 | $1,365,000 |
| Application Approved But Not Accepted | 68 | $17,877,000 | $262,000 | $910,000 | $107,000 | $361,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 231 | $63,051,000 | $272,000 | $1,382,000 | $70,000 | $342,000 |
| Credit History | 141 | $36,394,000 | $258,000 | $1,040,000 | $112,000 | $446,000 |
| Collateral | 129 | $36,525,000 | $283,000 | $970,000 | $132,000 | $391,000 |
| Other | 75 | $18,211,000 | $242,000 | $1,572,000 | $98,000 | $394,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,896,000 | $326,000 | $856,000 | $142,000 | $410,000 |
| Mortgage Insurance Denied | 6 | $1,966,000 | $327,000 | $409,000 | $94,000 | $128,000 |
| Unverifiable Information | 6 | $1,891,000 | $315,000 | $580,000 | $93,000 | $177,000 |
| Employment History | 6 | $1,644,000 | $274,000 | $390,000 | $84,000 | $215,000 |
| Credit Application Incomplete | 3 | $803,000 | $267,000 | $327,000 | $175,000 | $252,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Patelco Credit Union's 2012 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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