F&A Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, F&A Federal Credit Union of Monterey Park, CA reported 698 mortgage applications totaling $203.2 million, up 8% from 2024. The average application was for $291,146, and applicants reported an average income of $212,144. 72% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (317), Riverside-San Bernardino-Ontario, CA (138) and Anaheim-Santa Ana-Irvine, CA (88) (applications in parentheses).
| Mortgage Company & Address | F&A Federal Credit Union 2625 Corporate Place Monterey Park, CA 91754 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 | 698 |
| Total Mortgage Loan Application Amount | $203,220,000 |
| Average Mortgage Loan Application Amount | $291,146 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $212,144 |
| Highest Applicant Income | $3,631,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 317 | $ 91,515,000 | $ 288,690 | $ 189,000 |
| Orange, California | 88 | $ 32,270,000 | $ 366,704 | $ 260,000 |
| San Bernardino, California | 79 | $ 18,975,000 | $ 240,189 | $ 239,000 |
| Riverside, California | 59 | $ 17,025,000 | $ 288,559 | $ 205,000 |
| Ventura, California | 25 | $ 6,465,000 | $ 258,600 | $ 211,000 |
| San Diego, California | 18 | $ 7,730,000 | $ 429,444 | $ 280,000 |
| Kern, California | 7 | $ 1,775,000 | $ 253,571 | $ 173,000 |
| Maricopa, Arizona | 6 | $ 680,000 | $ 113,333 | $ 179,000 |
| Mohave, Arizona | 6 | $ 1,580,000 | $ 263,333 | $ 236,000 |
| San Luis Obispo, California | 6 | $ 1,680,000 | $ 280,000 | $ 247,000 |
| Clark, Nevada | 4 | $ 1,650,000 | $ 412,500 | $ 223,000 |
| Stark, Ohio | 4 | $ 260,000 | $ 65,000 | $ 281,000 |
| Santa Barbara, California | 3 | $ 785,000 | $ 261,666 | $ 146,000 |
| Lafayette, Mississippi | 3 | $ 935,000 | $ 311,666 | $ 273,000 |
| Summit, Ohio | 3 | $ 335,000 | $ 111,666 | $ 65,000 |
| King, Washington | 3 | $ 1,315,000 | $ 438,333 | $ 87,000 |
| La Paz, Arizona | 2 | $ 180,000 | $ 90,000 | $ 244,000 |
| Fresno, California | 2 | $ 200,000 | $ 100,000 | $ 73,000 |
| Marin, California | 2 | $ 1,150,000 | $ 575,000 | $ 338,000 |
| Placer, California | 2 | $ 430,000 | $ 215,000 | $ 228,000 |
| Sacramento, California | 2 | $ 290,000 | $ 145,000 | $ 213,000 |
| San Joaquin, California | 2 | $ 360,000 | $ 180,000 | $ 134,000 |
| Sonoma, California | 2 | $ 730,000 | $ 365,000 | $ 257,000 |
| Custer, Colorado | 2 | $ 770,000 | $ 385,000 | $ 250,000 |
| Douglas, Colorado | 2 | $ 210,000 | $ 105,000 | $ 254,000 |
| Ada, Idaho | 2 | $ 700,000 | $ 350,000 | $ 145,000 |
| Cochise, Arizona | 1 | $ 25,000 | $ 25,000 | $ 212,000 |
| Pima, Arizona | 1 | $ 305,000 | $ 305,000 | $ 184,000 |
| Pinal, Arizona | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Yavapai, Arizona | 1 | $ 85,000 | $ 85,000 | $ 257,000 |
| Benton, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 224,000 |
| Alameda, California | 1 | $ 215,000 | $ 215,000 | $ 171,000 |
| Calaveras, California | 1 | $ 415,000 | $ 415,000 | $ 380,000 |
| Contra Costa, California | 1 | $ 205,000 | $ 205,000 | $ 326,000 |
| Inyo, California | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Madera, California | 1 | $ 405,000 | $ 405,000 | $ 460,000 |
| San Francisco, California | 1 | $ 1,605,000 | $ 1,605,000 | $ 559,000 |
| Sutter, California | 1 | $ 65,000 | $ 65,000 | $ 161,000 |
| Elbert, Colorado | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| Jefferson, Colorado | 1 | $ 425,000 | $ 425,000 | $ 100,000 |
| Larimer, Colorado | 1 | $ 205,000 | $ 205,000 | $ 160,000 |
| Western Connecticut Planning Region, Connecticut | 1 | $ 355,000 | $ 355,000 | $ 206,000 |
| Bay, Florida | 1 | $ 635,000 | $ 635,000 | $ 346,000 |
| Charlotte, Florida | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Monroe, Florida | 1 | $ 1,285,000 | $ 1,285,000 | $ 479,000 |
| Pinellas, Florida | 1 | $ 455,000 | $ 455,000 | $ 236,000 |
| Polk, Florida | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Sarasota, Florida | 1 | $ 405,000 | $ 405,000 | $ 243,000 |
| Bannock, Idaho | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Owyhee, Idaho | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Lake, Illinois | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Marion, Indiana | 1 | $ 135,000 | $ 135,000 | $ 209,000 |
| Johnson, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| Bristol, Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 372,000 |
| Lake, Montana | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Sanders, Montana | 1 | $ 625,000 | $ 625,000 | $ 268,000 |
| Deuel, Nebraska | 1 | $ 115,000 | $ 115,000 | $ 217,000 |
| Moore, North Carolina | 1 | $ 435,000 | $ 435,000 | $ 121,000 |
| Kay, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 192,000 |
| Jackson, Oregon | 1 | $ 45,000 | $ 45,000 | $ 166,000 |
| Lane, Oregon | 1 | $ 215,000 | $ 215,000 | $ 917,000 |
| Marion, Oregon | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Campbell, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Collin, Texas | 1 | $ 55,000 | $ 55,000 | $ 182,000 |
| El Paso, Texas | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
| Harris, Texas | 1 | $ 205,000 | $ 205,000 | $ 208,000 |
| Kaufman, Texas | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Travis, Texas | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Williamson, Texas | 1 | $ 245,000 | $ 245,000 | $ 596,000 |
| Skamania, Washington | 1 | $ 455,000 | $ 455,000 | $ 157,000 |
| Milwaukee, Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2025
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 246 | $43,230,000 | $175,000 | $705,000 | $219,000 | $3,631,000 |
| Refinancing | 165 | $47,035,000 | $285,000 | $1,605,000 | $209,000 | $600,000 |
| Home Purchase | 144 | $72,360,000 | $502,000 | $2,005,000 | $228,000 | $917,000 |
| Cash-out Refinancing | 142 | $40,510,000 | $285,000 | $1,605,000 | $189,000 | $507,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $48,000 | $48,000 |
| 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 | 244 | $60,330,000 | $247,000 | $2,005,000 | $202,000 | $3,631,000 |
| White | 240 | $75,250,000 | $313,000 | $1,605,000 | $224,000 | $2,472,000 |
| Not Provided | 149 | $46,085,000 | $309,000 | $1,545,000 | $222,000 | $596,000 |
| Asian | 46 | $14,730,000 | $320,000 | $1,205,000 | $188,000 | $432,000 |
| Black or African American | 17 | $6,005,000 | $353,000 | $1,605,000 | $184,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $161,000 | $161,000 |
| American Indian or Alaskan Native | 1 | $665,000 | $665,000 | $665,000 | $180,000 | $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) | 698 | $203,220,000 | $291,000 | $2,005,000 | $212,000 | $3,631,000 |
| 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 | 500 | $148,290,000 | $296,000 | $2,005,000 | $212,000 | $917,000 |
| Application Withdrawn By Applicant | 122 | $36,400,000 | $298,000 | $1,205,000 | $225,000 | $2,472,000 |
| Application Denied By Financial Institution | 49 | $9,415,000 | $192,000 | $615,000 | $120,000 | $351,000 |
| Application Approved But Not Accepted | 26 | $8,960,000 | $344,000 | $865,000 | $199,000 | $446,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $3,631,000 | $3,631,000 |
| 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 | 649 | $193,805,000 | $298,000 | $2,005,000 | $219,000 | $3,631,000 |
| Debt-To-Income Ratio | 31 | $6,185,000 | $199,000 | $585,000 | $104,000 | $285,000 |
| Credit History | 7 | $1,485,000 | $212,000 | $615,000 | $136,000 | $184,000 |
| Collateral | 5 | $1,175,000 | $235,000 | $505,000 | $250,000 | $351,000 |
| Other | 2 | $140,000 | $70,000 | $95,000 | $119,000 | $122,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $235,000 | $79,000 | $110,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $53,000 | $53,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $67,000 | $67,000 |
| 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 F&A Federal Credit Union's 2025 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 F&A 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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