F&A Federal Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, F&A Federal Credit Union of Monterey Park, CA reported 1,432 mortgage applications totaling $186.1 million, down 15% from 2004. The average application was for $129,935, and applicants reported an average income of $101,787. 85% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (738), Riverside-San Bernardino-Ontario, CA (334) and Santa Ana-Anaheim-Irvine, CA (204) (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 | 1,432 |
| Total Mortgage Loan Application Amount | $186,067,000 |
| Average Mortgage Loan Application Amount | $129,935 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $101,787 |
| Highest Applicant Income | $540,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 738 | $ 92,988,000 | $ 126,000 | $ 84,000 |
| San Bernardino, California | 223 | $ 24,865,000 | $ 111,502 | $ 99,000 |
| Orange, California | 204 | $ 34,784,000 | $ 170,509 | $ 121,000 |
| Riverside, California | 111 | $ 11,353,000 | $ 102,279 | $ 112,000 |
| Ventura, California | 65 | $ 9,370,000 | $ 144,153 | $ 115,000 |
| San Diego, California | 27 | $ 4,273,000 | $ 158,259 | $ 115,000 |
| Kern, California | 18 | $ 1,434,000 | $ 79,666 | $ 92,000 |
| Santa Barbara, California | 8 | $ 1,358,000 | $ 169,750 | $ 117,000 |
| San Luis Obispo, California | 5 | $ 861,000 | $ 172,200 | $ 74,000 |
| Contra Costa, California | 3 | $ 480,000 | $ 160,000 | $ 60,000 |
| Mono, California | 3 | $ 510,000 | $ 170,000 | $ 128,000 |
| Tulare, California | 3 | $ 192,000 | $ 64,000 | $ 98,000 |
| Alameda, California | 2 | $ 205,000 | $ 102,500 | $ 135,000 |
| Fresno, California | 2 | $ 100,000 | $ 50,000 | $ 30,000 |
| Monterey, California | 2 | $ 350,000 | $ 175,000 | $ 143,000 |
| Plumas, California | 2 | $ 600,000 | $ 300,000 | $ 146,000 |
| San Francisco, California | 2 | $ 188,000 | $ 94,000 | $ 90,000 |
| Shasta, California | 2 | $ 325,000 | $ 162,500 | $ 70,000 |
| Clark, Nevada | 2 | $ 190,000 | $ 95,000 | $ 69,000 |
| Del Norte, California | 1 | $ 116,000 | $ 116,000 | $ 88,000 |
| Imperial, California | 1 | $ 50,000 | $ 50,000 | $ 102,000 |
| Placer, California | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| San Benito, California | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| San Joaquin, California | 1 | $ 250,000 | $ 250,000 | $ 79,000 |
| Santa Clara, California | 1 | $ 500,000 | $ 500,000 | $ 172,000 |
| Siskiyou, California | 1 | $ 150,000 | $ 150,000 | $ 131,000 |
| Solano, California | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Tehama, California | 1 | $ 120,000 | $ 120,000 | $ 85,000 |
| Tuolumne, California | 1 | $ 80,000 | $ 80,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2005
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 | 1,380 | $172,224,000 | $109,500 | $500,000 | $85,500 | $540,000 |
| Refinancing | 47 | $12,456,000 | $265,000 | $700,000 | $93,000 | $207,000 |
| Home Purchase | 5 | $1,387,000 | $277,000 | $500,000 | $139,000 | $182,000 |
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 |
|---|---|---|---|---|---|---|
| White | 538 | $78,167,000 | $145,000 | $500,000 | $108,000 | $384,000 |
| Not Provided | 404 | $53,756,000 | $114,000 | $500,000 | $87,000 | $329,000 |
| Hispanic | 382 | $41,682,000 | $109,000 | $700,000 | $80,000 | $248,000 |
| Asian | 57 | $7,367,000 | $129,000 | $365,000 | $108,000 | $540,000 |
| Black or African American | 46 | $4,247,000 | $92,000 | $250,000 | $127,000 | $351,000 |
| American Indian or Alaskan Native | 4 | $737,000 | $184,000 | $337,000 | $92,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $111,000 | $111,000 | $111,000 | $52,000 | $52,000 |
| 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) | 1,432 | $186,067,000 | $112,000 | $700,000 | $85,500 | $540,000 |
| 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 | 1,220 | $158,451,000 | $129,000 | $700,000 | $108,000 | $540,000 |
| Application Denied By Financial Institution | 155 | $20,196,000 | $112,500 | $500,000 | $83,000 | $384,000 |
| Application Withdrawn By Applicant | 57 | $7,420,000 | $130,000 | $500,000 | $94,000 | $247,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 59 | $7,484,000 | $111,000 | $450,000 | $91,000 | $384,000 |
| Debt-To-Income Ratio | 44 | $5,471,000 | $124,000 | $500,000 | $80,000 | $187,000 |
| Collateral | 31 | $3,861,000 | $124,000 | $440,000 | $103,000 | $188,000 |
| Credit History | 9 | $1,280,000 | $142,000 | $420,000 | $84,000 | $207,000 |
| Credit Application Incomplete | 8 | $1,740,000 | $217,000 | $400,000 | $121,000 | $225,000 |
| Unverifiable Information | 4 | $360,000 | $90,000 | $150,000 | $44,000 | $75,000 |
| 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 F&A Federal Credit Union's 2005 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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