Christian Community Credit Union Mortgage Lending & HMDA Data, 2011

In 2011, Christian Community Credit Union of San Dimas, CA reported 322 mortgage applications totaling $56.9 million, up 3% from 2010. The average application was for $176,673, and applicants reported an average income of $84,732. 54% of its applications resulted in an originated loan and 25% were denied. Its largest market was Los Angeles-Long Beach-Glendale, CA (90).

Mortgage Company & Address Christian Community Credit Union
255 North Lone Hill Avenue
San Dimas, CA 91773
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 322
Total Mortgage Loan Application Amount $56,889,000
Average Mortgage Loan Application Amount $176,673
Highest Mortgage Loan Application Amount $728,000
Average Applicant Income $84,732
Highest Applicant Income $384,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Christian Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Christian Community Credit Union by County in 2011

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 91 $ 15,917,000 $ 174,912 $ 88,000
San Bernardino, California 25 $ 4,833,000 $ 193,320 $ 97,000
Orange, California 16 $ 4,908,000 $ 306,750 $ 136,000
Riverside, California 4 $ 441,000 $ 110,250 $ 82,000
Maricopa, Arizona 3 $ 390,000 $ 130,000 $ 56,000
Ventura, California 3 $ 687,000 $ 229,000 $ 120,000
Mohave, Arizona 2 $ 323,000 $ 161,500 $ 126,000
Fresno, California 2 $ 145,000 $ 72,500 $ 63,000
San Diego, California 2 $ 247,000 $ 123,500 $ 126,000
Tulare, California 2 $ 274,000 $ 137,000 $ 90,000
St. Lucie, Florida 2 $ 159,000 $ 79,500 $ 50,000
Floyd, Indiana 2 $ 75,000 $ 37,500 $ 41,000
Washtenaw, Michigan 2 $ 257,000 $ 128,500 $ 57,000
Clackamas, Oregon 2 $ 354,000 $ 177,000 $ 91,000
Greenville, South Carolina 2 $ 112,000 $ 56,000 $ 112,000
Yakima, Washington 2 $ 347,000 $ 173,500 $ 78,000
Contra Costa, California 1 $ 324,000 $ 324,000 $ 222,000
El Dorado, California 1 $ 133,000 $ 133,000 $ 32,000
Placer, California 1 $ 30,000 $ 30,000 $ 82,000
San Luis Obispo, California 1 $ 280,000 $ 280,000 $ 140,000
San Mateo, California 1 $ 488,000 $ 488,000 $ 149,000
Santa Barbara, California 1 $ 100,000 $ 100,000 $ 90,000
Stanislaus, California 1 $ 135,000 $ 135,000 $ 158,000
Arapahoe, Colorado 1 $ 20,000 $ 20,000 $ 60,000
Boulder, Colorado 1 $ 50,000 $ 50,000 $ 47,000
Larimer, Colorado 1 $ 176,000 $ 176,000 $ 56,000
Mesa, Colorado 1 $ 140,000 $ 140,000 $ 40,000
District of Columbia, District Of Columbia 1 $ 203,000 $ 203,000 $ 185,000
Honolulu, Hawaii 1 $ 550,000 $ 550,000 $ 172,000
Cook, Illinois 1 $ 176,000 $ 176,000 $ 49,000
Sangamon, Illinois 1 $ 50,000 $ 50,000 $ 64,000
Madison, Indiana 1 $ 50,000 $ 50,000 $ 59,000
Queen Anne's, Maryland 1 $ 188,000 $ 188,000 $ 58,000
Plymouth, Massachusetts 1 $ 388,000 $ 388,000 $ 172,000
Dakota, Minnesota 1 $ 175,000 $ 175,000 $ 147,000
Hennepin, Minnesota 1 $ 150,000 $ 150,000 $ 143,000
Clay, Missouri 1 $ 83,000 $ 83,000 $ 87,000
Clark, Nevada 1 $ 200,000 $ 200,000 $ 155,000
Bernalillo, New Mexico 1 $ 97,000 $ 97,000 $ 48,000
Onondaga, New York 1 $ 119,000 $ 119,000 $ 54,000
Saratoga, New York 1 $ 110,000 $ 110,000 $ 79,000
Catawba, North Carolina 1 $ 174,000 $ 174,000 $ 101,000
Cuyahoga, Ohio 1 $ 197,000 $ 197,000 $ 82,000
Tulsa, Oklahoma 1 $ 132,000 $ 132,000 $ 128,000
Marion, Oregon 1 $ 246,000 $ 246,000 $ 179,000
Multnomah, Oregon 1 $ 185,000 $ 185,000 $ 49,000
Washington, Oregon 1 $ 187,000 $ 187,000 $ 31,000
Delaware, Pennsylvania 1 $ 173,000 $ 173,000 $ 44,000
Loudon, Tennessee 1 $ 385,000 $ 385,000 $ 141,000
Rutherford, Tennessee 1 $ 185,000 $ 185,000 $ 237,000
Fairfax, Virginia 1 $ 258,000 $ 258,000 $ 84,000
Kitsap, Washington 1 $ 264,000 $ 264,000 $ 150,000
Spokane, Washington 1 $ 140,000 $ 140,000 $ 62,000

Mortgage Loan Application Detail Totals for Christian Community Credit Union in 2011

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 260 $45,566,000 $175,000 $728,000 $88,000 $384,000
Home Purchase 60 $11,123,000 $185,000 $470,000 $71,000 $233,000
Home Improvement 2 $200,000 $100,000 $100,000 $72,000 $76,000

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 229 $39,476,000 $172,000 $728,000 $88,000 $304,000
Hispanic 35 $6,030,000 $172,000 $470,000 $59,000 $150,000
Not Provided 23 $3,928,000 $170,000 $400,000 $73,000 $213,000
Asian 18 $4,208,000 $233,000 $550,000 $96,000 $172,000
Black or African American 13 $2,369,000 $182,000 $488,000 $88,000 $185,000
American Indian or Alaskan Native 4 $878,000 $219,000 $450,000 $144,000 $384,000
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) 322 $56,889,000 $176,000 $728,000 $85,000 $384,000
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 173 $30,656,000 $177,000 $728,000 $94,000 $304,000
Application Denied By Financial Institution 82 $14,790,000 $180,000 $540,000 $73,000 $192,000
Application Withdrawn By Applicant 37 $6,532,000 $176,000 $712,000 $62,000 $169,000
Application Approved But Not Accepted 16 $2,675,000 $167,000 $388,000 $77,000 $172,000
File Closed For Incompleteness 14 $2,236,000 $159,000 $450,000 $98,000 $384,000
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 26 $5,586,000 $214,000 $540,000 $98,000 $192,000
Credit History 22 $2,948,000 $134,000 $400,000 $64,000 $175,000
Debt-To-Income Ratio 13 $2,393,000 $184,000 $400,000 $51,000 $94,000
Unverifiable Information 11 $2,150,000 $195,000 $500,000 $76,000 $150,000
Credit Application Incomplete 2 $374,000 $187,000 $250,000 $62,000 $72,000
Other 1 $180,000 $180,000 $180,000 $54,000 $54,000
Employment History 1 $340,000 $340,000 $340,000 $109,000 $109,000
Insufficient Cash (Downpayment, Closing Cost) 1 $111,000 $111,000 $111,000 $50,000 $50,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Christian Community Credit Union's 2011 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 Christian Community 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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