Popa FCU - Cerritos Mortgage Lending & HMDA Data, 2021
In 2021, Popa FCU - Cerritos of Cerritos, CA reported 276 mortgage applications totaling $47.1 million, up 7% from 2020. The average application was for $170,543, and applicants reported an average income of $143,434. 69% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (165), Riverside-San Bernardino-Ontario, CA (81) and Anaheim-Santa Ana-Irvine, CA (23) (applications in parentheses).
| Mortgage Company & Address | Popa FCU - Cerritos 13304 Alondra Blvd Cerritos, CA 90703 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 | 276 |
| Total Mortgage Loan Application Amount | $47,070,000 |
| Average Mortgage Loan Application Amount | $170,543 |
| Highest Mortgage Loan Application Amount | $835,000 |
| Average Applicant Income | $143,434 |
| Highest Applicant Income | $347,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Popa FCU - Cerritos filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 165 | $ 29,735,000 | $ 180,212 | $ 137,000 |
| San Bernardino, California | 53 | $ 9,205,000 | $ 173,679 | $ 140,000 |
| Riverside, California | 28 | $ 4,090,000 | $ 146,071 | $ 148,000 |
| Orange, California | 23 | $ 3,535,000 | $ 153,695 | $ 189,000 |
| Kern, California | 4 | $ 370,000 | $ 92,500 | $ 116,000 |
| Ventura, California | 3 | $ 135,000 | $ 45,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Popa FCU - Cerritos in 2021
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 | 176 | $17,330,000 | $98,000 | $255,000 | $150,000 | $347,000 |
| Cash-out Refinancing | 45 | $18,945,000 | $421,000 | $725,000 | $128,000 | $239,000 |
| Other Purpose | 31 | $3,095,000 | $99,000 | $315,000 | $140,000 | $316,000 |
| Refinancing | 20 | $6,820,000 | $341,000 | $835,000 | $131,000 | $317,000 |
| Home Purchase | 4 | $880,000 | $220,000 | $625,000 | $117,000 | $172,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 112 | $12,580,000 | $112,000 | $405,000 | $137,000 | $328,000 |
| Hispanic | 83 | $18,355,000 | $221,000 | $835,000 | $145,000 | $347,000 |
| White | 43 | $6,755,000 | $157,000 | $645,000 | $164,000 | $311,000 |
| Black or African American | 25 | $6,615,000 | $264,000 | $815,000 | $128,000 | $218,000 |
| Asian | 5 | $735,000 | $147,000 | $495,000 | $158,000 | $254,000 |
| American Indian or Alaskan Native | 2 | $820,000 | $410,000 | $445,000 | $109,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 275 | $46,815,000 | $170,000 | $835,000 | $143,000 | $347,000 |
| FHA-insured (Federal Housing Administration) | 1 | $255,000 | $255,000 | $255,000 | $252,000 | $252,000 |
| 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 | 191 | $31,235,000 | $163,000 | $835,000 | $151,000 | $328,000 |
| Application Denied By Financial Institution | 40 | $4,960,000 | $124,000 | $525,000 | $127,000 | $311,000 |
| Application Withdrawn By Applicant | 22 | $5,110,000 | $232,000 | $645,000 | $118,000 | $247,000 |
| File Closed For Incompleteness | 15 | $4,905,000 | $327,000 | $815,000 | $120,000 | $219,000 |
| Application Approved But Not Accepted | 8 | $860,000 | $107,000 | $245,000 | $155,000 | $347,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 236 | $42,110,000 | $178,000 | $835,000 | $146,000 | $347,000 |
| Debt-To-Income Ratio | 17 | $1,935,000 | $113,000 | $525,000 | $102,000 | $198,000 |
| Other | 13 | $1,935,000 | $148,000 | $505,000 | $150,000 | $311,000 |
| Credit History | 6 | $840,000 | $140,000 | $365,000 | $145,000 | $237,000 |
| Collateral | 4 | $250,000 | $62,000 | $95,000 | $132,000 | $238,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Popa FCU - Cerritos's 2021 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 Popa FCU - Cerritos'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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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