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Firefighters First Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 304 | $ 66,650,000 | $ 219,243 | $ 167,000 |
| Los Angeles-Long Beach-Glendale, CA | 278 | $ 84,870,000 | $ 305,287 | $ 181,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 160 | $ 31,740,000 | $ 198,375 | $ 179,000 |
| Anaheim-Santa Ana-Irvine, CA | 129 | $ 41,135,000 | $ 318,875 | $ 216,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 124 | $ 33,970,000 | $ 273,951 | $ 181,000 |
| Outside any metro area | 112 | $ 26,130,000 | $ 233,303 | $ 148,545 |
| Phoenix-Mesa-Scottsdale, AZ | 111 | $ 22,525,000 | $ 202,927 | $ 121,000 |
| Oakland-Hayward-Berkeley, CA | 62 | $ 18,340,000 | $ 295,806 | $ 198,000 |
| Las Vegas-Henderson-Paradise, NV | 57 | $ 12,355,000 | $ 216,754 | $ 131,000 |
| San Diego-Carlsbad, CA | 54 | $ 12,710,000 | $ 235,370 | $ 181,000 |
| Bakersfield, CA | 40 | $ 6,730,000 | $ 168,250 | $ 124,000 |
| Lake Havasu City-Kingman, AZ | 30 | $ 6,500,000 | $ 216,666 | $ 138,000 |
| Stockton-Lodi, CA | 20 | $ 4,620,000 | $ 231,000 | $ 185,000 |
| Reno, NV | 17 | $ 4,385,000 | $ 257,941 | $ 131,000 |
| Prescott Valley-Prescott, AZ | 16 | $ 4,170,000 | $ 260,625 | $ 140,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 16 | $ 2,550,000 | $ 159,375 | $ 131,000 |
| Santa Maria-Santa Barbara, CA | 16 | $ 3,220,000 | $ 201,250 | $ 188,000 |
| Vallejo-Fairfield, CA | 15 | $ 6,055,000 | $ 403,666 | $ 237,000 |
| Modesto, CA | 12 | $ 2,830,000 | $ 235,833 | $ 167,000 |
| Boise City, ID | 10 | $ 4,130,000 | $ 413,000 | $ 296,000 |
| Chico, CA | 10 | $ 1,800,000 | $ 180,000 | $ 152,000 |
| Fresno, CA | 8 | $ 1,420,000 | $ 177,500 | $ 124,000 |
| Lubbock, TX | 8 | $ 1,600,000 | $ 200,000 | $ 342,000 |
| Coeur D'Alene, ID | 7 | $ 1,945,000 | $ 277,857 | $ 195,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 1,895,000 | $ 270,714 | $ 121,000 |
| Visalia-Porterville, CA | 7 | $ 1,215,000 | $ 173,571 | $ 110,000 |
| Albuquerque, NM | 6 | $ 1,330,000 | $ 221,666 | $ 171,000 |
| Redding, CA | 6 | $ 450,000 | $ 75,000 | $ 128,000 |
| Salinas, CA | 6 | $ 1,400,000 | $ 233,333 | $ 148,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,630,000 | $ 271,666 | $ 167,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 1,570,000 | $ 261,666 | $ 192,000 |
| Tucson, AZ | 6 | $ 780,000 | $ 130,000 | $ 118,000 |
| Bend-Redmond, OR | 5 | $ 1,705,000 | $ 341,000 | $ 171,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,325,000 | $ 265,000 | $ 121,000 |
| Las Cruces, NM | 5 | $ 485,000 | $ 97,000 | $ 63,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 5 | $ 2,215,000 | $ 443,000 | $ 236,000 |
| Santa Rosa, CA | 5 | $ 1,235,000 | $ 247,000 | $ 174,000 |
| Yuba City, CA | 5 | $ 655,000 | $ 131,000 | $ 197,000 |
| Columbus, OH | 4 | $ 690,000 | $ 172,500 | $ 416,000 |
| Dallas-Plano-Irving, TX | 4 | $ 990,000 | $ 247,500 | $ 117,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,120,000 | $ 280,000 | $ 106,000 |
| San Rafael, CA | 4 | $ 3,320,000 | $ 830,000 | $ 323,000 |
| Santa Fe, NM | 4 | $ 620,000 | $ 155,000 | $ 65,000 |
| St. George, UT | 4 | $ 590,000 | $ 147,500 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 770,000 | $ 192,500 | $ 296,000 |
| Bremerton-Silverdale, WA | 3 | $ 915,000 | $ 305,000 | $ 244,000 |
| Cleveland-Elyria, OH | 3 | $ 405,000 | $ 135,000 | $ 163,000 |
| Colorado Springs, CO | 3 | $ 315,000 | $ 105,000 | $ 88,000 |
| Eugene, OR | 3 | $ 765,000 | $ 255,000 | $ 126,000 |
| Fond Du Lac, WI | 3 | $ 335,000 | $ 111,666 | $ 321,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 525,000 | $ 175,000 | $ 96,000 |
| Provo-Orem, UT | 3 | $ 665,000 | $ 221,666 | $ 164,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 735,000 | $ 245,000 | $ 157,000 |
| Spokane-Spokane Valley, WA | 3 | $ 935,000 | $ 311,666 | $ 151,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,155,000 | $ 385,000 | $ 178,000 |
| Bellingham, WA | 2 | $ 580,000 | $ 290,000 | $ 152,000 |
| Carbondale-Marion, IL | 2 | $ 210,000 | $ 105,000 | $ 265,000 |
| Chattanooga, TN-GA | 2 | $ 400,000 | $ 200,000 | $ 195,000 |
| El Paso, TX | 2 | $ 210,000 | $ 105,000 | $ 105,000 |
| Flagstaff, AZ | 2 | $ 520,000 | $ 260,000 | $ 194,000 |
| Idaho Falls, ID | 2 | $ 860,000 | $ 430,000 | $ 223,000 |
| Logan, UT-ID | 2 | $ 960,000 | $ 480,000 | $ 123,000 |
| Madera, CA | 2 | $ 580,000 | $ 290,000 | $ 84,000 |
| Merced, CA | 2 | $ 660,000 | $ 330,000 | $ 119,000 |
| Ogden-Clearfield, UT | 2 | $ 310,000 | $ 155,000 | $ 130,000 |
| Olympia-Tumwater, WA | 2 | $ 260,000 | $ 130,000 | $ 100,000 |
| Portland-South Portland, ME | 2 | $ 2,030,000 | $ 1,015,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 620,000 | $ 310,000 | $ 129,000 |
| Wenatchee, WA | 2 | $ 340,000 | $ 170,000 | $ 137,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 95,000 | $ 95,000 | $ 110,000 |
| Carson City, NV | 1 | $ 375,000 | $ 375,000 | $ 77,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 305,000 | $ 305,000 | $ 173,000 |
| Cincinnati, OH-KY-IN | 1 | $ 105,000 | $ 105,000 | $ 223,000 |
| Cleveland, TN | 1 | $ 95,000 | $ 95,000 | $ 293,000 |
| Corpus Christi, TX | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Farmington, NM | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 336,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 165,000 | $ 165,000 | $ 387,000 |
| Grants Pass, OR | 1 | $ 165,000 | $ 165,000 | $ 154,000 |
| Greeley, CO | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Hanford-Corcoran, CA | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 155,000 | $ 155,000 | $ 220,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Kansas City, MO-KS | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Mansfield, OH | 1 | $ 85,000 | $ 85,000 | $ 116,000 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Napa, CA | 1 | $ 105,000 | $ 105,000 | $ 187,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 615,000 | $ 615,000 | $ 313,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 335,000 | $ 335,000 | $ 502,000 |
| Oklahoma City, OK | 1 | $ 135,000 | $ 135,000 | $ 325,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 165,000 | $ 165,000 | $ 177,000 |
| Sherman-Denison, TX | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| Shreveport-Bossier City, LA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 555,000 | $ 555,000 | $ 118,000 |
| Waco, TX | 1 | $ 155,000 | $ 155,000 | $ 219,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Yuma, AZ | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
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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