Eagle Community Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Eagle Community Credit Union of Foothill Ranch, CA reported 1,285 mortgage applications totaling $218.0 million, up 4% from 2023. The average application was for $169,622, and applicants reported an average income of $132,595. 29% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (297), Riverside-San Bernardino-Ontario, CA (95) and Los Angeles-Long Beach-Glendale, CA (18) (applications in parentheses).
| Mortgage Company & Address | Eagle Community Credit Union 27042 Towne Centre Dr Ste 100 Foothill Ranch, CA 92610 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,285 |
| Total Mortgage Loan Application Amount | $217,965,000 |
| Average Mortgage Loan Application Amount | $169,622 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $132,595 |
| Highest Applicant Income | $5,756,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Eagle Community Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Eagle Community Credit Union in 2024
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 Purchase | 1,063 | $186,865,000 | $175,000 | $1,005,000 | $124,000 | $1,184,000 |
| Refinancing | 118 | $17,740,000 | $150,000 | $505,000 | $175,000 | $5,756,000 |
| Home Improvement | 61 | $8,435,000 | $138,000 | $505,000 | $205,000 | $1,740,000 |
| Other Purpose | 43 | $4,925,000 | $114,000 | $805,000 | $126,000 | $271,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 674 | $110,080,000 | $163,000 | $805,000 | $112,000 | $1,121,000 |
| White | 255 | $46,035,000 | $180,000 | $1,005,000 | $200,000 | $5,756,000 |
| Not Provided | 209 | $35,905,000 | $171,000 | $505,000 | $124,000 | $1,080,000 |
| Asian | 129 | $23,105,000 | $179,000 | $375,000 | $126,000 | $480,000 |
| Black or African American | 13 | $2,285,000 | $175,000 | $535,000 | $136,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $370,000 | $92,000 | $135,000 | $99,000 | $141,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $133,000 | $133,000 |
| 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) | 1,285 | $217,965,000 | $169,000 | $1,005,000 | $133,000 | $5,756,000 |
| 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 |
|---|---|---|---|---|---|---|
| File Closed For Incompleteness | 486 | $84,760,000 | $174,000 | $535,000 | $127,000 | $1,184,000 |
| Loan Originated | 373 | $58,525,000 | $156,000 | $505,000 | $161,000 | $5,756,000 |
| Application Denied By Financial Institution | 351 | $60,735,000 | $173,000 | $585,000 | $111,000 | $1,740,000 |
| Application Withdrawn By Applicant | 38 | $7,780,000 | $204,000 | $1,005,000 | $113,000 | $420,000 |
| Application Approved But Not Accepted | 37 | $6,165,000 | $166,000 | $805,000 | $156,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 934 | $157,230,000 | $168,000 | $1,005,000 | $141,000 | $5,756,000 |
| Debt-To-Income Ratio | 178 | $31,470,000 | $176,000 | $505,000 | $80,000 | $288,000 |
| Credit History | 120 | $20,750,000 | $172,000 | $505,000 | $145,000 | $1,740,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,865,000 | $143,000 | $315,000 | $53,000 | $114,000 |
| Unverifiable Information | 12 | $2,120,000 | $176,000 | $315,000 | $122,000 | $189,000 |
| Collateral | 11 | $1,265,000 | $115,000 | $355,000 | $124,000 | $192,000 |
| Other | 9 | $1,695,000 | $188,000 | $585,000 | $231,000 | $804,000 |
| Credit Application Incomplete | 6 | $1,250,000 | $208,000 | $355,000 | $238,000 | $780,000 |
| Employment History | 2 | $320,000 | $160,000 | $165,000 | $39,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eagle Community Credit Union's 2024 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 Eagle 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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