Wescom Central Credit Union Mortgage Lending & HMDA Data, 2021
In 2021, Wescom Central Credit Union of Pasadena, CA reported 4,511 mortgage applications totaling $1.3 billion, up 2% from 2020. The average application was for $281,249, and applicants reported an average income of $168,232. 59% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,881), Anaheim-Santa Ana-Irvine, CA (1,016) and Riverside-San Bernardino-Ontario, CA (919) (applications in parentheses).
| Mortgage Company & Address | Wescom Central Credit Union 123 S Marengo Avenue Pasadena, CA 91101 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 | 4,511 |
| Total Mortgage Loan Application Amount | $1,268,715,000 |
| Average Mortgage Loan Application Amount | $281,249 |
| Highest Mortgage Loan Application Amount | $2,285,000 |
| Average Applicant Income | $168,232 |
| Highest Applicant Income | $5,290,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wescom Central Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,881 | $ 534,385,000 | $ 284,096 | $ 164,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,016 | $ 324,380,000 | $ 319,271 | $ 195,000 |
| Riverside-San Bernardino-Ontario, CA | 919 | $ 222,435,000 | $ 242,040 | $ 135,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 260 | $ 66,140,000 | $ 254,384 | $ 153,000 |
| San Diego-Carlsbad, CA | 74 | $ 23,140,000 | $ 312,702 | $ 222,000 |
| Outside any metro area | 32 | $ 8,820,000 | $ 275,625 | $ 202,656 |
| Bakersfield, CA | 26 | $ 5,220,000 | $ 200,769 | $ 147,000 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 8,715,000 | $ 348,600 | $ 172,000 |
| Las Vegas-Henderson-Paradise, NV | 20 | $ 4,640,000 | $ 232,000 | $ 271,000 |
| Oakland-Hayward-Berkeley, CA | 19 | $ 7,785,000 | $ 409,736 | $ 288,000 |
| Santa Maria-Santa Barbara, CA | 17 | $ 4,105,000 | $ 241,470 | $ 175,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 14 | $ 3,740,000 | $ 267,142 | $ 479,000 |
| Lake Havasu City-Kingman, AZ | 11 | $ 2,595,000 | $ 235,909 | $ 342,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 3,585,000 | $ 398,333 | $ 177,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,610,000 | $ 326,250 | $ 125,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 2,610,000 | $ 326,250 | $ 530,000 |
| Fresno, CA | 7 | $ 2,215,000 | $ 316,428 | $ 136,000 |
| Stockton-Lodi, CA | 7 | $ 3,215,000 | $ 459,285 | $ 149,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,830,000 | $ 305,000 | $ 70,333 |
| Prescott Valley-Prescott, AZ | 5 | $ 1,175,000 | $ 235,000 | $ 142,000 |
| Santa Rosa, CA | 5 | $ 1,535,000 | $ 307,000 | $ 183,000 |
| El Centro, CA | 4 | $ 590,000 | $ 147,500 | $ 126,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 470,000 | $ 117,500 | $ 137,000 |
| Modesto, CA | 4 | $ 470,000 | $ 117,500 | $ 93,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,340,000 | $ 335,000 | $ 166,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 2,360,000 | $ 590,000 | $ 713,000 |
| Visalia-Porterville, CA | 4 | $ 980,000 | $ 245,000 | $ 161,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 380,000 | $ 95,000 | $ 74,000 |
| Birmingham-Hoover, AL | 3 | $ 235,000 | $ 78,333 | $ 110,000 |
| Chicago-Naperville, IL | 3 | $ 625,000 | $ 208,333 | $ 135,000 |
| Coeur D'Alene, ID | 3 | $ 755,000 | $ 251,666 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 605,000 | $ 201,666 | $ 139,000 |
| Jacksonville, FL | 3 | $ 945,000 | $ 315,000 | $ 87,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,295,000 | $ 431,666 | $ 158,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 1,195,000 | $ 398,333 | $ 351,000 |
| Spokane-Spokane Valley, WA | 3 | $ 635,000 | $ 211,666 | $ 144,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 485,000 | $ 161,666 | $ 108,000 |
| Tucson, AZ | 3 | $ 335,000 | $ 111,666 | $ 155,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 280,000 | $ 140,000 | $ 155,000 |
| Boise City, ID | 2 | $ 1,050,000 | $ 525,000 | $ 99,000 |
| Burlington, NC | 2 | $ 470,000 | $ 235,000 | $ 71,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 620,000 | $ 310,000 | $ 71,500 |
| Columbia, SC | 2 | $ 170,000 | $ 85,000 | $ 85,000 |
| Huntsville, AL | 2 | $ 470,000 | $ 235,000 | $ 95,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 330,000 | $ 165,000 | $ 130,000 |
| Madera, CA | 2 | $ 770,000 | $ 385,000 | $ 150,000 |
| Memphis, TN-MS-AR | 2 | $ 160,000 | $ 80,000 | $ 148,000 |
| Redding, CA | 2 | $ 590,000 | $ 295,000 | $ 85,000 |
| Reno, NV | 2 | $ 400,000 | $ 200,000 | $ 60,000 |
| Salinas, CA | 2 | $ 350,000 | $ 175,000 | $ 166,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 330,000 | $ 165,000 | $ 104,000 |
| St. Louis, MO-IL | 2 | $ 370,000 | $ 185,000 | $ 63,500 |
| Urban Honolulu, HI | 2 | $ 370,000 | $ 185,000 | $ 123,000 |
| Waco, TX | 2 | $ 560,000 | $ 280,000 | $ 96,000 |
| Albuquerque, NM | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 325,000 | $ 325,000 | $ 52,000 |
| Austin-Round Rock, TX | 1 | $ 405,000 | $ 405,000 | $ 140,000 |
| Baton Rouge, LA | 1 | $ 115,000 | $ 115,000 | $ 308,000 |
| Bellingham, WA | 1 | $ 205,000 | $ 205,000 | $ 113,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 345,000 | $ 345,000 | $ 144,000 |
| Brunswick, GA | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 485,000 | $ 485,000 | $ 90,000 |
| Canton-Massillon, OH | 1 | $ 175,000 | $ 175,000 | $ 187,000 |
| Carson City, NV | 1 | $ 745,000 | $ 745,000 | $ 1,591,000 |
| Charleston-North Charleston, SC | 1 | $ 205,000 | $ 205,000 | $ 170,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 605,000 | $ 605,000 | $ 190,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Elgin, IL | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Eugene, OR | 1 | $ 655,000 | $ 655,000 | $ 119,000 |
| Evansville, IN-KY | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Flagstaff, AZ | 1 | $ 505,000 | $ 505,000 | $ 210,000 |
| Fort Worth-Arlington, TX | 1 | $ 285,000 | $ 285,000 | $ 106,000 |
| Great Falls, MT | 1 | $ 145,000 | $ 145,000 | $ 237,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Hanford-Corcoran, CA | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Janesville-Beloit, WI | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Johnson City, TN | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Lafayette, LA | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Lafayette-West Lafayette, IN | 1 | $ 65,000 | $ 65,000 | $ 159,000 |
| Las Cruces, NM | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Merced, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 275,000 | $ 275,000 | $ 1,515,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 135,000 | $ 135,000 | $ 164,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 156,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 55,000 | $ 55,000 | $ 175,000 |
| Ogden-Clearfield, UT | 1 | $ 365,000 | $ 365,000 | $ 38,000 |
| Philadelphia, PA | 1 | $ 105,000 | $ 105,000 | $ 336,000 |
| Port St. Lucie, FL | 1 | $ 265,000 | $ 265,000 | $ 135,000 |
| Roanoke, VA | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| Salem, OR | 1 | $ 175,000 | $ 175,000 | $ 50,000 |
| San Antonio-New Braunfels, TX | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| San Rafael, CA | 1 | $ 995,000 | $ 995,000 | $ 190,000 |
| St. George, UT | 1 | $ 255,000 | $ 255,000 | $ 128,000 |
| Tacoma-Lakewood, WA | 1 | $ 215,000 | $ 215,000 | $ 268,000 |
| Vallejo-Fairfield, CA | 1 | $ 65,000 | $ 65,000 | $ 124,000 |
| Winston-Salem, NC | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Yuba City, CA | 1 | $ 315,000 | $ 315,000 | $ 15,000 |
Mortgage Loan Application Detail Totals for Wescom Central Credit Union 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 | 1,182 | $197,870,000 | $167,000 | $1,035,000 | $199,000 | $4,200,000 |
| Other Purpose | 1,062 | $222,510,000 | $209,000 | $1,605,000 | $162,000 | $4,558,000 |
| Cash-out Refinancing | 973 | $362,595,000 | $372,000 | $1,265,000 | $140,000 | $2,988,000 |
| Refinancing | 761 | $272,935,000 | $358,000 | $2,005,000 | $157,000 | $5,290,000 |
| Home Purchase | 533 | $212,805,000 | $399,000 | $2,285,000 | $180,000 | $3,364,000 |
| 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 | 1,393 | $397,135,000 | $285,000 | $2,005,000 | $138,000 | $5,290,000 |
| White | 1,294 | $364,770,000 | $281,000 | $2,285,000 | $197,000 | $5,280,000 |
| Hispanic | 1,004 | $257,440,000 | $256,000 | $1,175,000 | $147,000 | $3,113,000 |
| Asian | 368 | $125,880,000 | $342,000 | $1,225,000 | $230,000 | $3,621,000 |
| Black or African American | 310 | $81,990,000 | $264,000 | $1,265,000 | $163,000 | $4,200,000 |
| Not applicable | 20 | $7,100,000 | $355,000 | $845,000 | $0 | $0 |
| American Indian or Alaskan Native | 18 | $4,790,000 | $266,000 | $675,000 | $141,000 | $336,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,750,000 | $291,000 | $605,000 | $216,000 | $582,000 |
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) | 4,511 | $1,268,715,000 | $281,000 | $2,285,000 | $168,000 | $5,290,000 |
| 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 | 2,643 | $756,755,000 | $286,000 | $2,285,000 | $160,000 | $4,558,000 |
| Application Denied By Financial Institution | 865 | $231,915,000 | $268,000 | $2,005,000 | $148,000 | $4,200,000 |
| Application Withdrawn By Applicant | 747 | $193,925,000 | $259,000 | $1,205,000 | $212,000 | $5,290,000 |
| File Closed For Incompleteness | 174 | $62,740,000 | $360,000 | $1,005,000 | $224,000 | $5,280,000 |
| Application Approved But Not Accepted | 62 | $16,280,000 | $262,000 | $1,175,000 | $143,000 | $630,000 |
| Loan Purchased By The Institution | 20 | $7,100,000 | $355,000 | $845,000 | $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 | 3,646 | $1,036,800,000 | $284,000 | $2,285,000 | $173,000 | $5,290,000 |
| Debt-To-Income Ratio | 335 | $84,685,000 | $252,000 | $2,005,000 | $83,000 | $501,000 |
| Other | 185 | $53,575,000 | $289,000 | $1,605,000 | $172,000 | $2,768,000 |
| Credit History | 140 | $31,170,000 | $222,000 | $885,000 | $222,000 | $4,200,000 |
| Collateral | 92 | $16,420,000 | $178,000 | $945,000 | $169,000 | $2,253,000 |
| Credit Application Incomplete | 79 | $31,865,000 | $403,000 | $1,475,000 | $153,000 | $1,251,000 |
| Unverifiable Information | 21 | $8,765,000 | $417,000 | $1,475,000 | $272,000 | $2,938,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $4,560,000 | $456,000 | $745,000 | $240,000 | $1,591,000 |
| Employment History | 3 | $875,000 | $291,000 | $375,000 | $460,000 | $1,200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wescom Central Credit Union'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 Wescom Central 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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