Firefighters First Credit Unio Mortgage Lending & HMDA Data, 2004
In 2004, Firefighters First Credit Unio of Los Angeles, CA reported 792 mortgage applications totaling $96.3 million, down 38% from 2003. The average application was for $121,571, and applicants reported an average income of $112,512. 95% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (358), Riverside-San Bernardino-Ontario, CA (152) and Oxnard-Thousand Oaks-Ventura, CA (118) (applications in parentheses).
| Mortgage Company & Address | Firefighters First Credit Unio 815 Colorado Blvd Los Angeles, CA 90041 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 792 |
| Total Mortgage Loan Application Amount | $96,285,000 |
| Average Mortgage Loan Application Amount | $121,571 |
| Highest Mortgage Loan Application Amount | $820,000 |
| Average Applicant Income | $112,512 |
| Highest Applicant Income | $468,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Firefighters First Credit Unio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 358 | $ 43,500,000 | $ 121,508 | $ 108,000 |
| Riverside-San Bernardino-Ontario, CA | 152 | $ 18,131,000 | $ 119,282 | $ 116,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 118 | $ 14,089,000 | $ 119,398 | $ 108,000 |
| Santa Ana-Anaheim-Irvine, CA | 74 | $ 8,751,000 | $ 118,256 | $ 120,000 |
| Bakersfield, CA | 15 | $ 1,761,000 | $ 117,400 | $ 131,000 |
| San Diego-Carlsbad-San Marcos, CA | 10 | $ 1,296,000 | $ 129,600 | $ 124,000 |
| San Luis Obispo-Paso Robles, CA | 10 | $ 1,344,000 | $ 134,400 | $ 83,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,114,000 | $ 222,800 | $ 140,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 517,000 | $ 103,400 | $ 118,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 544,000 | $ 136,000 | $ 95,000 |
| Tucson, AZ | 3 | $ 305,000 | $ 101,666 | $ 86,000 |
| Fresno, CA | 2 | $ 188,000 | $ 94,000 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 255,000 | $ 127,500 | $ 85,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 364,000 | $ 182,000 | $ 150,000 |
| St. George, UT | 2 | $ 277,000 | $ 138,500 | $ 58,000 |
| Boise City-Nampa, ID | 1 | $ 220,000 | $ 220,000 | $ 85,000 |
| Medford, OR | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Redding, CA | 1 | $ 12,000 | $ 12,000 | $ 151,000 |
| Visalia-Porterville, CA | 1 | $ 80,000 | $ 80,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Firefighters First Credit Unio in 2004
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 Improvement | 424 | $35,192,000 | $76,666 | $525,000 | $81,166 | $308,000 |
| Refinancing | 306 | $49,324,000 | $202,400 | $820,000 | $87,600 | $252,000 |
| Home Purchase | 62 | $11,769,000 | $195,500 | $520,000 | $118,000 | $468,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 329 | $39,201,000 | $136,555 | $750,000 | $84,888 | $308,000 |
| White | 285 | $36,843,000 | $164,000 | $820,000 | $101,000 | $468,000 |
| Hispanic | 115 | $13,563,000 | $117,000 | $520,000 | $121,000 | $233,000 |
| Black or African American | 46 | $5,077,000 | $116,500 | $484,000 | $93,500 | $230,000 |
| Asian | 7 | $852,000 | $121,000 | $267,000 | $102,000 | $208,000 |
| American Indian or Alaskan Native | 5 | $334,000 | $66,000 | $165,000 | $154,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $415,000 | $83,000 | $239,000 | $141,000 | $180,000 |
| 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) | 792 | $96,285,000 | $152,333 | $820,000 | $84,111 | $468,000 |
| 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 | 756 | $89,996,000 | $125,750 | $820,000 | $82,750 | $468,000 |
| Application Denied By Financial Institution | 20 | $2,764,000 | $120,000 | $480,000 | $101,500 | $142,000 |
| Application Withdrawn By Applicant | 8 | $1,791,000 | $188,500 | $450,000 | $131,500 | $252,000 |
| Application Approved But Not Accepted | 4 | $1,106,000 | $276,000 | $500,000 | $106,000 | $170,000 |
| File Closed For Incompleteness | 3 | $260,000 | $86,000 | $150,000 | $70,000 | $125,000 |
| Preapproval Approved but not Accepted | 1 | $368,000 | $368,000 | $368,000 | $94,000 | $94,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $572,000 | $109,000 | $256,000 | $91,500 | $117,000 |
| Collateral | 4 | $567,000 | $141,000 | $320,000 | $84,000 | $113,000 |
| Other | 4 | $205,000 | $51,000 | $65,000 | $115,000 | $129,000 |
| Credit History | 4 | $900,000 | $225,000 | $480,000 | $123,000 | $142,000 |
| Unverifiable Information | 2 | $125,000 | $62,000 | $75,000 | $66,000 | $83,000 |
| Credit Application Incomplete | 1 | $395,000 | $395,000 | $395,000 | $133,000 | $133,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 Credit Unio's 2004 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 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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