Schoolsfirst FCU Mortgage Lending & HMDA Data, 2024
In 2024, Schoolsfirst FCU of Tustin, CA reported 16,937 mortgage applications totaling $3.3 billion, up 22% from 2023. The average application was for $197,760, and applicants reported an average income of $154,154. 73% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Anaheim-Santa Ana-Irvine, CA (5,481), Riverside-San Bernardino-Ontario, CA (5,354) and Los Angeles-Long Beach-Glendale, CA (3,634) (applications in parentheses).
| Mortgage Company & Address | Schoolsfirst FCU 2115 North Broadway Tustin, CA 92780 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 16,937 |
| Total Mortgage Loan Application Amount | $3,349,465,000 |
| Average Mortgage Loan Application Amount | $197,760 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $154,154 |
| Highest Applicant Income | $7,558,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Schoolsfirst FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Orange, California | 5,481 | $ 1,273,745,000 | $ 232,392 | $ 175,000 |
| Los Angeles, California | 3,634 | $ 737,390,000 | $ 202,914 | $ 150,000 |
| Riverside, California | 3,166 | $ 524,670,000 | $ 165,720 | $ 139,000 |
| San Bernardino, California | 2,188 | $ 366,630,000 | $ 167,563 | $ 136,000 |
| Sacramento, California | 912 | $ 124,770,000 | $ 136,809 | $ 129,000 |
| San Diego, California | 372 | $ 92,600,000 | $ 248,924 | $ 186,000 |
| Placer, California | 184 | $ 33,570,000 | $ 182,445 | $ 165,000 |
| El Dorado, California | 182 | $ 27,340,000 | $ 150,219 | $ 149,000 |
| Kern, California | 96 | $ 14,620,000 | $ 152,291 | $ 98,000 |
| Sutter, California | 81 | $ 8,615,000 | $ 106,358 | $ 131,000 |
| Ventura, California | 66 | $ 15,860,000 | $ 240,303 | $ 173,000 |
| Yuba, California | 56 | $ 6,430,000 | $ 114,821 | $ 105,000 |
| San Joaquin, California | 44 | $ 6,210,000 | $ 141,136 | $ 135,000 |
| Butte, California | 37 | $ 5,165,000 | $ 139,594 | $ 115,000 |
| Yolo, California | 31 | $ 4,225,000 | $ 136,290 | $ 121,000 |
| San Luis Obispo, California | 29 | $ 7,605,000 | $ 262,241 | $ 166,000 |
| Solano, California | 29 | $ 6,245,000 | $ 215,344 | $ 139,000 |
| Contra Costa, California | 28 | $ 12,910,000 | $ 461,071 | $ 205,000 |
| Santa Barbara, California | 28 | $ 6,590,000 | $ 235,357 | $ 302,000 |
| Alameda, California | 25 | $ 11,415,000 | $ 456,600 | $ 228,000 |
| Santa Clara, California | 25 | $ 11,295,000 | $ 451,800 | $ 208,000 |
| Fresno, California | 23 | $ 3,775,000 | $ 164,130 | $ 130,000 |
| Stanislaus, California | 20 | $ 3,170,000 | $ 158,500 | $ 118,000 |
| Monterey, California | 19 | $ 3,745,000 | $ 197,105 | $ 135,000 |
| Nevada, California | 18 | $ 1,960,000 | $ 108,888 | $ 123,000 |
| Imperial, California | 17 | $ 2,725,000 | $ 160,294 | $ 156,000 |
| Sonoma, California | 17 | $ 8,355,000 | $ 491,470 | $ 191,000 |
| Tulare, California | 14 | $ 2,220,000 | $ 158,571 | $ 117,000 |
| Amador, California | 11 | $ 1,155,000 | $ 105,000 | $ 96,000 |
| Merced, California | 10 | $ 1,140,000 | $ 114,000 | $ 128,000 |
| Shasta, California | 8 | $ 780,000 | $ 97,500 | $ 133,000 |
| Humboldt, California | 7 | $ 1,695,000 | $ 242,142 | $ 115,000 |
| Santa Cruz, California | 7 | $ 1,835,000 | $ 262,142 | $ 146,000 |
| Calaveras, California | 6 | $ 470,000 | $ 78,333 | $ 147,000 |
| Lake, California | 6 | $ 1,000,000 | $ 166,666 | $ 113,000 |
| San Mateo, California | 6 | $ 4,530,000 | $ 755,000 | $ 345,000 |
| Colusa, California | 5 | $ 775,000 | $ 155,000 | $ 108,000 |
| Inyo, California | 5 | $ 1,155,000 | $ 231,000 | $ 133,000 |
| Madera, California | 5 | $ 645,000 | $ 129,000 | $ 92,000 |
| Marin, California | 5 | $ 3,375,000 | $ 675,000 | $ 454,000 |
| Napa, California | 5 | $ 1,805,000 | $ 361,000 | $ 144,000 |
| San Benito, California | 4 | $ 800,000 | $ 200,000 | $ 144,000 |
| San Francisco, California | 4 | $ 1,070,000 | $ 267,500 | $ 135,000 |
| Tehama, California | 4 | $ 690,000 | $ 172,500 | $ 122,000 |
| Lassen, California | 3 | $ 495,000 | $ 165,000 | $ 114,000 |
| Mono, California | 3 | $ 395,000 | $ 131,666 | $ 190,000 |
| Siskiyou, California | 3 | $ 345,000 | $ 115,000 | $ 104,000 |
| Kings, California | 2 | $ 410,000 | $ 205,000 | $ 87,000 |
| Plumas, California | 2 | $ 170,000 | $ 85,000 | $ 177,000 |
| Tuolumne, California | 2 | $ 340,000 | $ 170,000 | $ 133,000 |
| Glenn, California | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Sierra, California | 1 | $ 155,000 | $ 155,000 | $ 345,000 |
Mortgage Loan Application Detail Totals for Schoolsfirst FCU in 2024
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 | 6,794 | $846,770,000 | $124,000 | $2,505,000 | $152,000 | $7,558,000 |
| Other Purpose | 4,384 | $508,620,000 | $116,000 | $1,525,000 | $144,000 | $4,335,000 |
| Cash-out Refinancing | 3,518 | $702,560,000 | $199,000 | $1,615,000 | $153,000 | $1,474,000 |
| Home Purchase | 1,886 | $1,103,400,000 | $585,000 | $2,505,000 | $183,000 | $2,430,000 |
| Refinancing | 355 | $188,115,000 | $529,000 | $1,935,000 | $179,000 | $906,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 6,632 | $1,167,890,000 | $176,000 | $1,995,000 | $136,000 | $7,558,000 |
| White | 6,435 | $1,289,245,000 | $200,000 | $2,505,000 | $166,000 | $2,440,000 |
| Asian | 1,591 | $435,605,000 | $273,000 | $2,005,000 | $173,000 | $1,772,000 |
| Not Provided | 1,222 | $284,570,000 | $232,000 | $2,505,000 | $177,000 | $2,552,000 |
| Black or African American | 891 | $148,085,000 | $166,000 | $1,615,000 | $139,000 | $4,335,000 |
| American Indian or Alaskan Native | 106 | $15,590,000 | $147,000 | $875,000 | $143,000 | $835,000 |
| Native Hawaiian or Other Pacific Islander | 60 | $8,480,000 | $141,000 | $665,000 | $129,000 | $314,000 |
| 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) | 16,863 | $3,312,065,000 | $196,000 | $2,505,000 | $154,000 | $7,558,000 |
| FHA-insured (Federal Housing Administration) | 74 | $37,400,000 | $505,000 | $1,525,000 | $142,000 | $411,000 |
| 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 | 12,403 | $2,451,985,000 | $197,000 | $2,505,000 | $159,000 | $1,835,000 |
| Application Denied By Financial Institution | 1,961 | $298,315,000 | $152,000 | $2,505,000 | $109,000 | $4,335,000 |
| Application Withdrawn By Applicant | 1,577 | $422,235,000 | $267,000 | $2,005,000 | $157,000 | $1,003,000 |
| File Closed For Incompleteness | 829 | $138,745,000 | $167,000 | $1,265,000 | $184,000 | $7,558,000 |
| Application Approved But Not Accepted | 167 | $38,185,000 | $228,000 | $1,505,000 | $149,000 | $629,000 |
| 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 | 14,976 | $3,051,150,000 | $203,000 | $2,505,000 | $160,000 | $7,558,000 |
| Debt-To-Income Ratio | 1,195 | $188,975,000 | $158,000 | $2,505,000 | $83,000 | $408,000 |
| Other | 247 | $35,365,000 | $143,000 | $1,085,000 | $171,000 | $4,335,000 |
| Credit History | 210 | $26,090,000 | $124,000 | $755,000 | $124,000 | $538,000 |
| Collateral | 201 | $28,565,000 | $142,000 | $945,000 | $149,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 47 | $6,415,000 | $136,000 | $1,005,000 | $166,000 | $2,430,000 |
| Credit Application Incomplete | 29 | $6,615,000 | $228,000 | $585,000 | $151,000 | $351,000 |
| Unverifiable Information | 27 | $4,485,000 | $166,000 | $925,000 | $122,000 | $350,000 |
| Employment History | 4 | $1,290,000 | $322,000 | $705,000 | $136,000 | $199,000 |
| Mortgage Insurance Denied | 1 | $515,000 | $515,000 | $515,000 | $97,000 | $97,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Schoolsfirst FCU's 2024 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 Schoolsfirst FCU'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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