Financial Partners Credit Unio Mortgage Lending & HMDA Data, 2016
In 2016, Financial Partners Credit Unio of Downey, CA reported 1,007 mortgage applications totaling $408.0 million, down 20% from 2015. The average application was for $405,206, and applicants reported an average income of $126,083. 63% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (409), Anaheim-Santa Ana-Irvine, CA (342) and Riverside-San Bernardino-Ontario, CA (105) (applications in parentheses).
| Mortgage Company & Address | Financial Partners Credit Unio 7800 E. Imperial Highway Downey, CA 90241 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,007 |
| Total Mortgage Loan Application Amount | $408,043,000 |
| Average Mortgage Loan Application Amount | $405,206 |
| Highest Mortgage Loan Application Amount | $6,570,000 |
| Average Applicant Income | $126,083 |
| Highest Applicant Income | $2,419,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Financial Partners Credit Unio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 409 | $ 178,663,000 | $ 436,828 | $ 106,000 |
| Anaheim-Santa Ana-Irvine, CA | 342 | $ 142,425,000 | $ 416,447 | $ 141,000 |
| Riverside-San Bernardino-Ontario, CA | 105 | $ 29,234,000 | $ 278,419 | $ 124,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 32 | $ 12,050,000 | $ 376,562 | $ 208,000 |
| San Diego-Carlsbad, CA | 32 | $ 17,330,000 | $ 541,562 | $ 119,000 |
| Bakersfield, CA | 9 | $ 1,404,000 | $ 156,000 | $ 123,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 2,380,000 | $ 396,666 | $ 198,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 1,217,000 | $ 243,400 | $ 82,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 1,980,000 | $ 396,000 | $ 104,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 2,460,000 | $ 615,000 | $ 198,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 796,000 | $ 265,333 | $ 139,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 658,000 | $ 219,333 | $ 75,000 |
| Redding, CA | 2 | $ 309,000 | $ 154,500 | $ 81,000 |
| Charleston-North Charleston, SC | 1 | $ 220,000 | $ 220,000 | $ 179,000 |
| Dallas-Plano-Irving, TX | 1 | $ 122,000 | $ 122,000 | $ 110,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 417,000 | $ 417,000 | $ 231,000 |
| Fresno, CA | 1 | $ 241,000 | $ 241,000 | $ 137,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 131,000 | $ 131,000 | $ 135,000 |
| Modesto, CA | 1 | $ 264,000 | $ 264,000 | $ 120,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 145,000 | $ 145,000 | $ 277,000 |
| Salinas, CA | 1 | $ 485,000 | $ 485,000 | $ 104,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 492,000 | $ 492,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Financial Partners Credit Unio in 2016
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 | 780 | $302,826,000 | $388,000 | $6,570,000 | $127,000 | $2,419,000 |
| Home Purchase | 198 | $97,663,000 | $493,000 | $3,850,000 | $126,000 | $477,000 |
| Home Improvement | 29 | $7,554,000 | $260,000 | $850,000 | $102,000 | $337,000 |
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 | 335 | $127,384,000 | $380,000 | $2,465,000 | $138,000 | $720,000 |
| Hispanic | 240 | $70,807,000 | $295,000 | $1,083,000 | $94,000 | $469,000 |
| Not Provided | 226 | $88,403,000 | $391,000 | $1,896,000 | $152,000 | $2,419,000 |
| Asian | 127 | $53,553,000 | $421,000 | $3,000,000 | $145,000 | $781,000 |
| Not applicable | 33 | $51,597,000 | $1,563,000 | $6,570,000 | $0 | $0 |
| Black or African American | 31 | $10,341,000 | $333,000 | $560,000 | $108,000 | $246,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $4,543,000 | $413,000 | $733,000 | $122,000 | $212,000 |
| American Indian or Alaskan Native | 4 | $1,415,000 | $353,000 | $539,000 | $121,000 | $174,000 |
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) | 1,007 | $408,043,000 | $405,000 | $6,570,000 | $126,000 | $2,419,000 |
| 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 | 633 | $255,683,000 | $403,000 | $6,570,000 | $127,000 | $781,000 |
| Application Denied By Financial Institution | 154 | $55,935,000 | $363,000 | $3,000,000 | $100,000 | $401,000 |
| Application Withdrawn By Applicant | 147 | $69,725,000 | $474,000 | $3,850,000 | $132,000 | $720,000 |
| File Closed For Incompleteness | 71 | $26,120,000 | $367,000 | $950,000 | $157,000 | $2,419,000 |
| Application Approved But Not Accepted | 1 | $247,000 | $247,000 | $247,000 | $50,000 | $50,000 |
| Preapproval Denied by Financial Institution | 1 | $333,000 | $333,000 | $333,000 | $86,000 | $86,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 54 | $18,771,000 | $347,000 | $1,000,000 | $79,000 | $353,000 |
| Other | 51 | $21,157,000 | $414,000 | $3,000,000 | $107,000 | $401,000 |
| Credit History | 27 | $9,095,000 | $336,000 | $780,000 | $116,000 | $212,000 |
| Credit Application Incomplete | 10 | $3,421,000 | $342,000 | $960,000 | $133,000 | $397,000 |
| Employment History | 6 | $1,761,000 | $293,000 | $595,000 | $61,000 | $173,000 |
| Collateral | 3 | $632,000 | $210,000 | $362,000 | $106,000 | $231,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $490,000 | $245,000 | $460,000 | $63,000 | $110,000 |
| Mortgage Insurance Denied | 1 | $733,000 | $733,000 | $733,000 | $199,000 | $199,000 |
| Unverifiable Information | 1 | $208,000 | $208,000 | $208,000 | $313,000 | $313,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Financial Partners Credit Unio's 2016 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 Financial Partners Credit Unio'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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