Sag-Aftra FCU Mortgage Lending & HMDA Data, 2004
In 2004, Sag-Aftra FCU of Novato, CA reported 215 mortgage applications totaling $56.3 million, down 26% from 2003. The average application was for $261,855, and applicants reported an average income of $110,906. 65% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (173), Chicago-Naperville-Joliet, IL (2) and Oxnard-Thousand Oaks-Ventura, CA (1) (applications in parentheses).
| Mortgage Company & Address | Sag-Aftra FCU 1450 Grant Ave #204 Novato, CA 94945 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 215 |
| Total Mortgage Loan Application Amount | $56,299,000 |
| Average Mortgage Loan Application Amount | $261,855 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $110,906 |
| Highest Applicant Income | $411,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sag-Aftra FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 173 | $ 46,976,000 | $ 271,537 | $ 97,000 |
| Cook, Illinois | 2 | $ 376,000 | $ 188,000 | $ 70,000 |
| Ventura, California | 1 | $ 50,000 | $ 50,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Sag-Aftra FCU in 2004
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 | 117 | $31,881,000 | $178,250 | $1,000,000 | $80,750 | $411,000 |
| Home Purchase | 98 | $24,418,000 | $192,090 | $1,000,000 | $100,454 | $298,000 |
| Home Improvement | 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 | 165 | $41,980,000 | $190,833 | $1,000,000 | $102,583 | $411,000 |
| Not Provided | 21 | $4,933,000 | $157,250 | $631,000 | $94,500 | $230,000 |
| Black or African American | 10 | $3,122,000 | $294,500 | $792,000 | $88,500 | $320,000 |
| Hispanic | 10 | $2,425,000 | $184,500 | $424,000 | $91,000 | $130,000 |
| Asian | 7 | $3,477,000 | $496,000 | $1,000,000 | $201,000 | $298,000 |
| American Indian or Alaskan Native | 2 | $362,000 | $181,000 | $212,000 | $57,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 215 | $56,299,000 | $182,230 | $1,000,000 | $96,076 | $411,000 |
| 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 | 139 | $34,756,000 | $180,307 | $1,000,000 | $96,846 | $320,000 |
| Application Withdrawn By Applicant | 65 | $18,443,000 | $242,500 | $1,000,000 | $88,500 | $289,000 |
| Application Approved But Not Accepted | 8 | $2,375,000 | $296,000 | $580,000 | $122,000 | $411,000 |
| Application Denied By Financial Institution | 3 | $725,000 | $241,000 | $283,000 | $62,000 | $80,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Sag-Aftra FCU's 2004 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 Sag-Aftra FCU'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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