Sag-Aftra FCU Mortgage Lending & HMDA Data, 2010
In 2010, Sag-Aftra FCU of Novato, CA reported 136 mortgage applications totaling $40.2 million, up 39% from 2009. The average application was for $295,691, and applicants reported an average income of $91,750. 34% of its applications resulted in an originated loan and 16% were denied. Its largest market was Los Angeles-Long Beach-Glendale, CA (75).
| 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 | 136 |
| Total Mortgage Loan Application Amount | $40,214,000 |
| Average Mortgage Loan Application Amount | $295,691 |
| Highest Mortgage Loan Application Amount | $730,000 |
| Average Applicant Income | $91,750 |
| Highest Applicant Income | $347,000 |
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Act (HMDA) records Sag-Aftra FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 75 | $ 22,132,000 | $ 295,093 | $ 94,000 |
Mortgage Loan Application Detail Totals for Sag-Aftra FCU in 2010
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 | 85 | $24,047,000 | $282,000 | $730,000 | $88,000 | $340,000 |
| Home Purchase | 51 | $16,167,000 | $317,000 | $730,000 | $98,000 | $347,000 |
| 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 | 99 | $27,967,000 | $282,000 | $730,000 | $95,000 | $340,000 |
| Not Provided | 18 | $6,124,000 | $340,000 | $730,000 | $96,000 | $347,000 |
| Hispanic | 7 | $2,038,000 | $291,000 | $372,000 | $74,000 | $113,000 |
| Asian | 6 | $2,540,000 | $423,000 | $605,000 | $71,000 | $126,000 |
| Black or African American | 5 | $1,385,000 | $277,000 | $352,000 | $83,000 | $124,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $160,000 | $160,000 | $160,000 | $30,000 | $30,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 136 | $40,214,000 | $295,000 | $730,000 | $92,000 | $347,000 |
| 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 | 46 | $13,232,000 | $287,000 | $730,000 | $107,000 | $340,000 |
| File Closed For Incompleteness | 24 | $6,907,000 | $287,000 | $730,000 | $81,000 | $347,000 |
| Application Denied By Financial Institution | 22 | $6,991,000 | $317,000 | $605,000 | $65,000 | $175,000 |
| Application Withdrawn By Applicant | 19 | $5,401,000 | $284,000 | $600,000 | $105,000 | $340,000 |
| Application Approved But Not Accepted | 19 | $5,916,000 | $311,000 | $720,000 | $92,000 | $310,000 |
| Preapproval Approved but not Accepted | 4 | $1,002,000 | $250,000 | $450,000 | $66,000 | $111,000 |
| Preapproval Denied by Financial Institution | 2 | $765,000 | $382,000 | $524,000 | $85,000 | $108,000 |
| 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 | 14 | $4,682,000 | $334,000 | $605,000 | $56,000 | $111,000 |
| Collateral | 3 | $1,151,000 | $383,000 | $500,000 | $120,000 | $175,000 |
| Credit History | 2 | $431,000 | $215,000 | $231,000 | $75,000 | $80,000 |
| Employment History | 2 | $721,000 | $360,000 | $524,000 | $95,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $296,000 | $296,000 | $296,000 | $76,000 | $76,000 |
| Mortgage Insurance Denied | 1 | $150,000 | $150,000 | $150,000 | $29,000 | $29,000 |
| Unverifiable Information | 1 | $325,000 | $325,000 | $325,000 | $12,000 | $12,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sag-Aftra FCU's 2010 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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