Firefighters First Federal Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Firefighters First Federal Credit Union of Pasadena, CA reported 1,351 mortgage applications totaling $279.8 million, down 28% from 2022. The average application was for $207,124, and applicants reported an average income of $173,279. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (236), Riverside-San Bernardino-Ontario, CA (212) and Sacramento--Roseville--Arden-Arcade, CA (110) (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 | 1,351 |
| Total Mortgage Loan Application Amount | $279,825,000 |
| Average Mortgage Loan Application Amount | $207,124 |
| Highest Mortgage Loan Application Amount | $1,785,000 |
| Average Applicant Income | $173,279 |
| Highest Applicant Income | $5,285,000 |
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Firefighters First Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 236 | $ 56,920,000 | $ 241,186 | $ 179,000 |
| Riverside-San Bernardino-Ontario, CA | 212 | $ 34,740,000 | $ 163,867 | $ 192,000 |
| Outside any metro area | 119 | $ 34,875,000 | $ 293,067 | $ 141,847 |
| Sacramento--Roseville--Arden-Arcade, CA | 110 | $ 20,980,000 | $ 190,727 | $ 171,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 95 | $ 19,285,000 | $ 203,000 | $ 191,000 |
| Phoenix-Mesa-Scottsdale, AZ | 94 | $ 12,320,000 | $ 131,063 | $ 138,000 |
| Anaheim-Santa Ana-Irvine, CA | 69 | $ 18,225,000 | $ 264,130 | $ 201,000 |
| Oakland-Hayward-Berkeley, CA | 32 | $ 5,740,000 | $ 179,375 | $ 234,000 |
| Bakersfield, CA | 27 | $ 3,675,000 | $ 136,111 | $ 136,000 |
| Las Vegas-Henderson-Paradise, NV | 27 | $ 3,415,000 | $ 126,481 | $ 147,000 |
| San Diego-Carlsbad, CA | 27 | $ 7,805,000 | $ 289,074 | $ 192,000 |
| Modesto, CA | 21 | $ 3,385,000 | $ 161,190 | $ 166,000 |
| Lake Havasu City-Kingman, AZ | 19 | $ 3,055,000 | $ 160,789 | $ 139,000 |
| Reno, NV | 17 | $ 4,195,000 | $ 246,764 | $ 188,000 |
| Boise City, ID | 16 | $ 6,700,000 | $ 418,750 | $ 190,000 |
| Prescott Valley-Prescott, AZ | 14 | $ 3,290,000 | $ 235,000 | $ 121,000 |
| Stockton-Lodi, CA | 11 | $ 2,945,000 | $ 267,727 | $ 177,000 |
| Tucson, AZ | 11 | $ 715,000 | $ 65,000 | $ 92,000 |
| Vallejo-Fairfield, CA | 11 | $ 2,345,000 | $ 213,181 | $ 195,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 10 | $ 2,430,000 | $ 243,000 | $ 130,000 |
| Santa Maria-Santa Barbara, CA | 10 | $ 1,910,000 | $ 191,000 | $ 197,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 2,205,000 | $ 245,000 | $ 179,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,300,000 | $ 287,500 | $ 119,000 |
| Coeur D'Alene, ID | 7 | $ 1,315,000 | $ 187,857 | $ 165,000 |
| Jackson, MS | 7 | $ 845,000 | $ 120,714 | $ 189,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 1,065,000 | $ 152,142 | $ 215,000 |
| Santa Rosa, CA | 6 | $ 2,040,000 | $ 340,000 | $ 199,000 |
| Fresno, CA | 5 | $ 295,000 | $ 59,000 | $ 132,000 |
| Salinas, CA | 5 | $ 1,025,000 | $ 205,000 | $ 173,000 |
| St. George, UT | 5 | $ 1,085,000 | $ 217,000 | $ 150,000 |
| Yuma, AZ | 5 | $ 265,000 | $ 53,000 | $ 85,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 530,000 | $ 132,500 | $ 452,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,080,000 | $ 270,000 | $ 179,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,240,000 | $ 310,000 | $ 200,000 |
| Yuba City, CA | 4 | $ 1,320,000 | $ 330,000 | $ 207,000 |
| Flagstaff, AZ | 3 | $ 395,000 | $ 131,666 | $ 145,000 |
| Killeen-Temple, TX | 3 | $ 525,000 | $ 175,000 | $ 111,000 |
| Memphis, TN-MS-AR | 3 | $ 445,000 | $ 148,333 | $ 208,000 |
| Napa, CA | 3 | $ 375,000 | $ 125,000 | $ 164,000 |
| Redding, CA | 3 | $ 135,000 | $ 45,000 | $ 86,000 |
| San Antonio-New Braunfels, TX | 3 | $ 475,000 | $ 158,333 | $ 108,000 |
| Visalia-Porterville, CA | 3 | $ 505,000 | $ 168,333 | $ 96,000 |
| Wenatchee, WA | 3 | $ 565,000 | $ 188,333 | $ 240,000 |
| Bend-Redmond, OR | 2 | $ 380,000 | $ 190,000 | $ 175,000 |
| Chico, CA | 2 | $ 190,000 | $ 95,000 | $ 174,000 |
| Columbus, OH | 2 | $ 540,000 | $ 270,000 | $ 436,000 |
| El Paso, TX | 2 | $ 480,000 | $ 240,000 | $ 92,000 |
| Eugene, OR | 2 | $ 440,000 | $ 220,000 | $ 143,000 |
| Fort Collins, CO | 2 | $ 370,000 | $ 185,000 | $ 131,000 |
| Fort Worth-Arlington, TX | 2 | $ 670,000 | $ 335,000 | $ 117,000 |
| Knoxville, TN | 2 | $ 550,000 | $ 275,000 | $ 225,000 |
| Las Cruces, NM | 2 | $ 90,000 | $ 45,000 | $ 97,000 |
| Madera, CA | 2 | $ 130,000 | $ 65,000 | $ 188,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 630,000 | $ 315,000 | $ 433,000 |
| Ogden-Clearfield, UT | 2 | $ 480,000 | $ 240,000 | $ 161,000 |
| San Rafael, CA | 2 | $ 460,000 | $ 230,000 | $ 209,000 |
| Santa Fe, NM | 2 | $ 380,000 | $ 190,000 | $ 89,000 |
| Tacoma-Lakewood, WA | 2 | $ 470,000 | $ 235,000 | $ 137,000 |
| Albuquerque, NM | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Bremerton-Silverdale, WA | 1 | $ 65,000 | $ 65,000 | $ 145,000 |
| Brownsville-Harlingen, TX | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Carson City, NV | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Colorado Springs, CO | 1 | $ 145,000 | $ 145,000 | $ 185,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 355,000 | $ 355,000 | $ 95,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Farmington, NM | 1 | $ 55,000 | $ 55,000 | $ 154,000 |
| Gary, IN | 1 | $ 45,000 | $ 45,000 | $ 338,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Longview, WA | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Macon-Bibb County, GA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Medford, OR | 1 | $ 335,000 | $ 335,000 | $ 333,000 |
| Merced, CA | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 95,000 | $ 95,000 | $ 236,000 |
| Missoula, MT | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 125,000 | $ 125,000 | $ 131,000 |
| Punta Gorda, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Racine, WI | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Salem, OR | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Salt Lake City, UT | 1 | $ 115,000 | $ 115,000 | $ 207,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 845,000 | $ 845,000 | $ 308,000 |
| Sherman-Denison, TX | 1 | $ 165,000 | $ 165,000 | $ 360,000 |
| Tuscaloosa, AL | 1 | $ 195,000 | $ 195,000 | $ 320,000 |
| Walla Walla, WA | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Firefighters First Federal Credit Union in 2023
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 | 664 | $109,840,000 | $165,000 | $1,785,000 | $174,000 | $5,285,000 |
| Home Improvement | 368 | $52,810,000 | $143,000 | $845,000 | $166,000 | $952,000 |
| Home Purchase | 238 | $103,690,000 | $435,000 | $1,395,000 | $189,000 | $887,000 |
| Refinancing | 43 | $9,045,000 | $210,000 | $875,000 | $143,000 | $452,000 |
| Other Purpose | 38 | $4,440,000 | $116,000 | $405,000 | $167,000 | $479,000 |
| 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 | 565 | $119,515,000 | $211,000 | $1,275,000 | $177,000 | $5,285,000 |
| Not Provided | 415 | $86,685,000 | $208,000 | $1,785,000 | $171,000 | $887,000 |
| Hispanic | 206 | $39,340,000 | $190,000 | $1,395,000 | $164,000 | $608,000 |
| Black or African American | 56 | $11,360,000 | $202,000 | $935,000 | $193,000 | $475,000 |
| Not applicable | 50 | $10,250,000 | $205,000 | $1,005,000 | $159,000 | $340,000 |
| Asian | 21 | $3,935,000 | $187,000 | $505,000 | $192,000 | $386,000 |
| American Indian or Alaskan Native | 15 | $4,835,000 | $322,000 | $745,000 | $150,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $565,000 | $113,000 | $155,000 | $178,000 | $231,000 |
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) | 1,351 | $279,825,000 | $207,000 | $1,785,000 | $173,000 | $5,285,000 |
| 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 | 907 | $178,525,000 | $196,000 | $1,395,000 | $177,000 | $952,000 |
| Application Withdrawn By Applicant | 170 | $41,070,000 | $241,000 | $905,000 | $196,000 | $5,285,000 |
| Application Denied By Financial Institution | 146 | $32,390,000 | $221,000 | $1,785,000 | $144,000 | $481,000 |
| File Closed For Incompleteness | 105 | $19,355,000 | $184,000 | $755,000 | $154,000 | $768,000 |
| Preapproval Denied by Financial Institution | 19 | $7,625,000 | $401,000 | $765,000 | $104,000 | $142,000 |
| Application Approved But Not Accepted | 4 | $860,000 | $215,000 | $405,000 | $157,000 | $257,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,186 | $239,810,000 | $202,000 | $1,395,000 | $178,000 | $5,285,000 |
| Debt-To-Income Ratio | 93 | $26,185,000 | $281,000 | $1,785,000 | $131,000 | $336,000 |
| Other | 26 | $6,140,000 | $236,000 | $805,000 | $149,000 | $313,000 |
| Collateral | 22 | $3,800,000 | $172,000 | $625,000 | $158,000 | $330,000 |
| Credit History | 17 | $2,485,000 | $146,000 | $435,000 | $118,000 | $203,000 |
| Unverifiable Information | 3 | $205,000 | $68,000 | $105,000 | $202,000 | $479,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $995,000 | $331,000 | $355,000 | $133,000 | $161,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $481,000 | $481,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Firefighters First Federal Credit Union's 2023 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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