Firefighters First Federal Credit Union Mortgage Lending & HMDA Data, 2022

In 2022, Firefighters First Federal Credit Union of Pasadena, CA reported 1,874 mortgage applications totaling $476.4 million, up 45% from 2021. The average application was for $254,226, and applicants reported an average income of $170,257. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (304), Los Angeles-Long Beach-Glendale, CA (278) and Sacramento--Roseville--Arden-Arcade, CA (160) (applications in parentheses).

Mortgage Company & Address Firefighters First Federal Credit Union
815 Colorado Blvd
Pasadena, CA 91105
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 1,874
Total Mortgage Loan Application Amount $476,420,000
Average Mortgage Loan Application Amount $254,226
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $170,257
Highest Applicant Income $1,884,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firefighters First Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Firefighters First Federal Credit Union by County in 2022

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 278 $ 84,870,000 $ 305,287 $ 181,000
Riverside, California 174 $ 36,170,000 $ 207,873 $ 161,000
San Bernardino, California 130 $ 30,480,000 $ 234,461 $ 175,000
Orange, California 129 $ 41,135,000 $ 318,875 $ 216,000
Ventura, California 124 $ 33,970,000 $ 273,951 $ 181,000
Maricopa, Arizona 102 $ 21,390,000 $ 209,705 $ 123,000
Placer, California 58 $ 11,050,000 $ 190,517 $ 181,000
Clark, Nevada 57 $ 12,355,000 $ 216,754 $ 131,000
San Diego, California 54 $ 12,710,000 $ 235,370 $ 181,000
Sacramento, California 53 $ 10,735,000 $ 202,547 $ 174,000
Contra Costa, California 43 $ 12,215,000 $ 284,069 $ 195,000
El Dorado, California 43 $ 9,235,000 $ 214,767 $ 186,000
Kern, California 40 $ 6,730,000 $ 168,250 $ 124,000
Mohave, Arizona 30 $ 6,500,000 $ 216,666 $ 138,000
San Joaquin, California 20 $ 4,620,000 $ 231,000 $ 185,000
Alameda, California 19 $ 6,125,000 $ 322,368 $ 205,000
Nevada, California 17 $ 3,095,000 $ 182,058 $ 135,000
Washoe, Nevada 17 $ 4,385,000 $ 257,941 $ 131,000
Yavapai, Arizona 16 $ 4,170,000 $ 260,625 $ 140,000
San Luis Obispo, California 16 $ 2,550,000 $ 159,375 $ 131,000
Santa Barbara, California 16 $ 3,220,000 $ 201,250 $ 188,000
Solano, California 15 $ 6,055,000 $ 403,666 $ 237,000
Stanislaus, California 12 $ 2,830,000 $ 235,833 $ 167,000
Butte, California 10 $ 1,800,000 $ 180,000 $ 152,000
Calaveras, California 10 $ 1,310,000 $ 131,000 $ 204,000
Pinal, Arizona 9 $ 1,135,000 $ 126,111 $ 99,000
Fresno, California 8 $ 1,420,000 $ 177,500 $ 124,000
Lubbock, Texas 8 $ 1,600,000 $ 200,000 $ 342,000
Navajo, Arizona 7 $ 1,655,000 $ 236,428 $ 86,000
Amador, California 7 $ 1,675,000 $ 239,285 $ 160,000
Tulare, California 7 $ 1,215,000 $ 173,571 $ 110,000
Kootenai, Idaho 7 $ 1,945,000 $ 277,857 $ 195,000
Pima, Arizona 6 $ 780,000 $ 130,000 $ 118,000
Monterey, California 6 $ 1,400,000 $ 233,333 $ 148,000
Santa Cruz, California 6 $ 1,630,000 $ 271,666 $ 167,000
Shasta, California 6 $ 450,000 $ 75,000 $ 128,000
Yolo, California 6 $ 720,000 $ 120,000 $ 146,000
Ada, Idaho 6 $ 3,070,000 $ 511,666 $ 376,000
Mono, California 5 $ 1,765,000 $ 353,000 $ 230,000
Sonoma, California 5 $ 1,235,000 $ 247,000 $ 174,000
Bernalillo, New Mexico 5 $ 1,055,000 $ 211,000 $ 192,000
Dona Ana, New Mexico 5 $ 485,000 $ 97,000 $ 63,000
Deschutes, Oregon 5 $ 1,705,000 $ 341,000 $ 171,000
Marin, California 4 $ 3,320,000 $ 830,000 $ 323,000
Santa Clara, California 4 $ 1,880,000 $ 470,000 $ 240,000
Tuolumne, California 4 $ 700,000 $ 175,000 $ 172,000
Pinellas, Florida 4 $ 770,000 $ 192,500 $ 296,000
Santa Fe, New Mexico 4 $ 620,000 $ 155,000 $ 65,000
Franklin, Ohio 4 $ 690,000 $ 172,500 $ 416,000
Tarrant, Texas 4 $ 920,000 $ 230,000 $ 132,000
Washington, Utah 4 $ 590,000 $ 147,500 $ 102,000
Colusa, California 3 $ 525,000 $ 175,000 $ 73,000
San Mateo, California 3 $ 735,000 $ 245,000 $ 157,000
Siskiyou, California 3 $ 475,000 $ 158,333 $ 128,000
Yuba, California 3 $ 345,000 $ 115,000 $ 193,000
Douglas, Colorado 3 $ 1,185,000 $ 395,000 $ 137,000
El Paso, Colorado 3 $ 315,000 $ 105,000 $ 88,000
Canyon, Idaho 3 $ 615,000 $ 205,000 $ 189,000
Lyon, Nevada 3 $ 585,000 $ 195,000 $ 63,000
Cuyahoga, Ohio 3 $ 405,000 $ 135,000 $ 163,000
Klamath, Oregon 3 $ 1,045,000 $ 348,333 $ 91,000
Lane, Oregon 3 $ 765,000 $ 255,000 $ 126,000
Harris, Texas 3 $ 525,000 $ 175,000 $ 96,000
Utah, Utah 3 $ 665,000 $ 221,666 $ 164,000
King, Washington 3 $ 1,015,000 $ 338,333 $ 159,000
Kitsap, Washington 3 $ 915,000 $ 305,000 $ 244,000
Pierce, Washington 3 $ 1,155,000 $ 385,000 $ 178,000
Snohomish, Washington 3 $ 555,000 $ 185,000 $ 225,000
Fond du Lac, Wisconsin 3 $ 335,000 $ 111,666 $ 321,000
Coconino, Arizona 2 $ 520,000 $ 260,000 $ 194,000
Gila, Arizona 2 $ 140,000 $ 70,000 $ 51,000
Lake, California 2 $ 1,050,000 $ 525,000 $ 225,000
Madera, California 2 $ 580,000 $ 290,000 $ 84,000
Merced, California 2 $ 660,000 $ 330,000 $ 119,000
Plumas, California 2 $ 270,000 $ 135,000 $ 176,000
Sierra, California 2 $ 810,000 $ 405,000 $ 105,000
Sutter, California 2 $ 310,000 $ 155,000 $ 204,000
Arapahoe, Colorado 2 $ 440,000 $ 220,000 $ 93,000
Bonneville, Idaho 2 $ 860,000 $ 430,000 $ 223,000
Lewis, Idaho 2 $ 460,000 $ 230,000 $ 124,000
Williamson, Illinois 2 $ 210,000 $ 105,000 $ 265,000
Cumberland, Maine 2 $ 2,030,000 $ 1,015,000 $ 0
Taney, Missouri 2 $ 230,000 $ 115,000 $ 423,000
Gallatin, Montana 2 $ 1,110,000 $ 555,000 $ 169,000
Douglas, Nevada 2 $ 610,000 $ 305,000 $ 250,000
Hamilton, Tennessee 2 $ 400,000 $ 200,000 $ 195,000
Bexar, Texas 2 $ 330,000 $ 165,000 $ 46,000
Collin, Texas 2 $ 490,000 $ 245,000 $ 122,000
Comal, Texas 2 $ 790,000 $ 395,000 $ 166,000
El Paso, Texas 2 $ 210,000 $ 105,000 $ 105,000
Cache, Utah 2 $ 960,000 $ 480,000 $ 123,000
Davis, Utah 2 $ 310,000 $ 155,000 $ 130,000
Iron, Utah 2 $ 250,000 $ 125,000 $ 114,000
Clallam, Washington 2 $ 480,000 $ 240,000 $ 93,000
Douglas, Washington 2 $ 340,000 $ 170,000 $ 137,000
Spokane, Washington 2 $ 580,000 $ 290,000 $ 139,000
Thurston, Washington 2 $ 260,000 $ 130,000 $ 100,000
Whatcom, Washington 2 $ 580,000 $ 290,000 $ 152,000
Graham, Arizona 1 $ 45,000 $ 45,000 $ 149,000
La Paz, Arizona 1 $ 485,000 $ 485,000 $ 209,000
Yuma, Arizona 1 $ 45,000 $ 45,000 $ 118,000
Del Norte, California 1 $ 305,000 $ 305,000 $ 104,000
Inyo, California 1 $ 205,000 $ 205,000 $ 159,000
Kings, California 1 $ 105,000 $ 105,000 $ 183,000
Lassen, California 1 $ 265,000 $ 265,000 $ 129,000
Mariposa, California 1 $ 285,000 $ 285,000 $ 29,000
Mendocino, California 1 $ 265,000 $ 265,000 $ 248,000
Napa, California 1 $ 105,000 $ 105,000 $ 187,000
San Benito, California 1 $ 335,000 $ 335,000 $ 221,000
Tehama, California 1 $ 75,000 $ 75,000 $ 122,000
Elbert, Colorado 1 $ 105,000 $ 105,000 $ 126,000
Jefferson, Colorado 1 $ 165,000 $ 165,000 $ 125,000
Weld, Colorado 1 $ 75,000 $ 75,000 $ 101,000
Broward, Florida 1 $ 385,000 $ 385,000 $ 336,000
Newton, Georgia 1 $ 155,000 $ 155,000 $ 0
Hawaii, Hawaii 1 $ 745,000 $ 745,000 $ 376,000
Honolulu, Hawaii 1 $ 555,000 $ 555,000 $ 118,000
Maui, Hawaii 1 $ 245,000 $ 245,000 $ 130,000
Bonner, Idaho 1 $ 105,000 $ 105,000 $ 146,000
Gem, Idaho 1 $ 445,000 $ 445,000 $ 139,000
Valley, Idaho 1 $ 305,000 $ 305,000 $ 135,000
McDonough, Illinois 1 $ 55,000 $ 55,000 $ 0
Marion, Indiana 1 $ 155,000 $ 155,000 $ 220,000
Pottawattamie, Iowa 1 $ 165,000 $ 165,000 $ 177,000
Caddo, Louisiana 1 $ 445,000 $ 445,000 $ 0
Baltimore City, Maryland 1 $ 155,000 $ 155,000 $ 0
Ingham, Michigan 1 $ 305,000 $ 305,000 $ 0
Kent, Michigan 1 $ 165,000 $ 165,000 $ 387,000
Dakota, Minnesota 1 $ 215,000 $ 215,000 $ 75,000
Buchanan, Missouri 1 $ 505,000 $ 505,000 $ 0
Cass, Missouri 1 $ 315,000 $ 315,000 $ 0
Flathead, Montana 1 $ 205,000 $ 205,000 $ 110,000
Lincoln, Montana 1 $ 315,000 $ 315,000 $ 118,000
Park, Montana 1 $ 255,000 $ 255,000 $ 79,000
Ravalli, Montana 1 $ 45,000 $ 45,000 $ 218,000
Carson City, Nevada 1 $ 375,000 $ 375,000 $ 77,000
Nye, Nevada 1 $ 155,000 $ 155,000 $ 34,000
Chaves, New Mexico 1 $ 45,000 $ 45,000 $ 46,000
Eddy, New Mexico 1 $ 45,000 $ 45,000 $ 104,000
San Juan, New Mexico 1 $ 35,000 $ 35,000 $ 48,000
Sandoval, New Mexico 1 $ 275,000 $ 275,000 $ 69,000
New York, New York 1 $ 335,000 $ 335,000 $ 502,000
Carteret, North Carolina 1 $ 635,000 $ 635,000 $ 0
Mecklenburg, North Carolina 1 $ 305,000 $ 305,000 $ 173,000
Hamilton, Ohio 1 $ 105,000 $ 105,000 $ 223,000
Mahoning, Ohio 1 $ 35,000 $ 35,000 $ 0
Richland, Ohio 1 $ 85,000 $ 85,000 $ 116,000
Oklahoma, Oklahoma 1 $ 135,000 $ 135,000 $ 325,000
Jefferson, Oregon 1 $ 375,000 $ 375,000 $ 128,000
Josephine, Oregon 1 $ 165,000 $ 165,000 $ 154,000
Tillamook, Oregon 1 $ 845,000 $ 845,000 $ 0
Umatilla, Oregon 1 $ 125,000 $ 125,000 $ 204,000
Washington, Oregon 1 $ 55,000 $ 55,000 $ 66,000
Pickens, South Carolina 1 $ 95,000 $ 95,000 $ 75,000
Bradley, Tennessee 1 $ 95,000 $ 95,000 $ 293,000
Davidson, Tennessee 1 $ 615,000 $ 615,000 $ 313,000
Shelby, Tennessee 1 $ 155,000 $ 155,000 $ 0
Cameron, Texas 1 $ 95,000 $ 95,000 $ 110,000
Ellis, Texas 1 $ 225,000 $ 225,000 $ 135,000
Grayson, Texas 1 $ 305,000 $ 305,000 $ 135,000
Hood, Texas 1 $ 275,000 $ 275,000 $ 66,000
McLennan, Texas 1 $ 155,000 $ 155,000 $ 219,000
Nueces, Texas 1 $ 145,000 $ 145,000 $ 132,000
Parker, Texas 1 $ 405,000 $ 405,000 $ 91,000
Rains, Texas 1 $ 135,000 $ 135,000 $ 0
Rockwall, Texas 1 $ 275,000 $ 275,000 $ 91,000
Beaver, Utah 1 $ 55,000 $ 55,000 $ 255,000
Summit, Utah 1 $ 605,000 $ 605,000 $ 247,000
Clark, Washington 1 $ 565,000 $ 565,000 $ 192,000
Jefferson, Washington 1 $ 205,000 $ 205,000 $ 81,000
Lewis, Washington 1 $ 325,000 $ 325,000 $ 171,000
Pend Oreille, Washington 1 $ 105,000 $ 105,000 $ 80,000
Skagit, Washington 1 $ 45,000 $ 45,000 $ 95,000
Stevens, Washington 1 $ 355,000 $ 355,000 $ 174,000

Mortgage Loan Application Detail Totals for Firefighters First Federal Credit Union in 2022

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
Cash-out Refinancing 910 $213,850,000 $235,000 $1,605,000 $171,000 $1,884,000
Home Improvement 528 $103,350,000 $195,000 $1,815,000 $162,000 $1,153,000
Home Purchase 287 $127,085,000 $442,000 $3,005,000 $175,000 $588,000
Refinancing 84 $23,480,000 $279,000 $1,605,000 $178,000 $1,800,000
Other Purpose 65 $8,655,000 $133,000 $475,000 $196,000 $829,000
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
White 726 $168,000,000 $231,000 $1,375,000 $163,000 $1,800,000
Not Provided 710 $190,330,000 $268,000 $2,105,000 $182,000 $1,884,000
Hispanic 265 $59,145,000 $223,000 $1,095,000 $159,000 $463,000
Black or African American 78 $22,930,000 $293,000 $1,405,000 $165,000 $460,000
Not applicable 44 $21,090,000 $479,000 $3,005,000 $291,000 $315,000
American Indian or Alaskan Native 18 $4,730,000 $262,000 $815,000 $142,000 $246,000
Asian 15 $4,695,000 $313,000 $805,000 $196,000 $278,000
Native Hawaiian or Other Pacific Islander 2 $320,000 $160,000 $205,000 $186,000 $228,000

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) 1,874 $476,420,000 $254,000 $3,005,000 $170,000 $1,884,000
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 1,494 $370,520,000 $248,000 $3,005,000 $172,000 $1,224,000
Application Withdrawn By Applicant 268 $71,430,000 $266,000 $1,205,000 $172,000 $1,884,000
Application Denied By Financial Institution 65 $16,115,000 $247,000 $1,305,000 $147,000 $491,000
Preapproval Approved but not Accepted 16 $9,200,000 $575,000 $805,000 $148,000 $249,000
File Closed For Incompleteness 15 $3,385,000 $225,000 $755,000 $105,000 $243,000
Application Approved But Not Accepted 10 $2,600,000 $260,000 $585,000 $112,000 $218,000
Preapproval Denied by Financial Institution 6 $3,170,000 $528,000 $975,000 $113,000 $284,000
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
Not applicable 1,803 $457,135,000 $253,000 $3,005,000 $171,000 $1,884,000
Debt-To-Income Ratio 31 $9,445,000 $304,000 $1,305,000 $144,000 $491,000
Credit History 15 $3,645,000 $243,000 $555,000 $107,000 $219,000
Other 14 $3,380,000 $241,000 $705,000 $181,000 $271,000
Collateral 8 $1,920,000 $240,000 $425,000 $150,000 $215,000
Credit Application Incomplete 2 $700,000 $350,000 $545,000 $171,000 $189,000
Mortgage Insurance Denied 1 $195,000 $195,000 $195,000 $120,000 $120,000
Unverifiable Information 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

Our comprehensive HMDA mortgage statistics provide invaluable insights into Firefighters First Federal Credit Union's 2022 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 Firefighters First Federal 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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