F&A Federal Credit Union Mortgage Lending & HMDA Data, 2010
In 2010, F&A Federal Credit Union of Monterey Park, CA reported 414 mortgage applications totaling $84.0 million, down 26% from 2009. The average application was for $203,004, and applicants reported an average income of $114,062. 53% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (245), Santa Ana-Anaheim-Irvine, CA (61) and Riverside-San Bernardino-Ontario, CA (57) (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 | 414 |
| Total Mortgage Loan Application Amount | $84,044,000 |
| Average Mortgage Loan Application Amount | $203,004 |
| Highest Mortgage Loan Application Amount | $1,050,000 |
| Average Applicant Income | $114,062 |
| Highest Applicant Income | $336,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 245 | $ 47,136,000 | $ 192,391 | $ 103,000 |
| Orange, California | 61 | $ 16,393,000 | $ 268,737 | $ 148,000 |
| San Bernardino, California | 35 | $ 7,727,000 | $ 220,771 | $ 118,000 |
| Riverside, California | 22 | $ 3,536,000 | $ 160,727 | $ 118,000 |
| Ventura, California | 13 | $ 2,996,000 | $ 230,461 | $ 160,000 |
| Kern, California | 7 | $ 1,230,000 | $ 175,714 | $ 100,000 |
| San Diego, California | 4 | $ 501,000 | $ 125,250 | $ 79,000 |
| Yavapai, Arizona | 3 | $ 115,000 | $ 38,333 | $ 65,000 |
| Mono, California | 3 | $ 476,000 | $ 158,666 | $ 52,000 |
| San Luis Obispo, California | 3 | $ 362,000 | $ 120,666 | $ 163,000 |
| Shasta, California | 3 | $ 250,000 | $ 83,333 | $ 63,000 |
| Alameda, California | 2 | $ 750,000 | $ 375,000 | $ 173,000 |
| Santa Barbara, California | 2 | $ 183,000 | $ 91,500 | $ 151,000 |
| Tulare, California | 2 | $ 550,000 | $ 275,000 | $ 120,000 |
| Maricopa, Arizona | 1 | $ 250,000 | $ 250,000 | $ 61,000 |
| Madera, California | 1 | $ 113,000 | $ 113,000 | $ 300,000 |
| Marin, California | 1 | $ 254,000 | $ 254,000 | $ 113,000 |
| Monterey, California | 1 | $ 300,000 | $ 300,000 | $ 184,000 |
| Nevada, California | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Santa Clara, California | 1 | $ 217,000 | $ 217,000 | $ 212,000 |
| Santa Cruz, California | 1 | $ 405,000 | $ 405,000 | $ 38,000 |
| Tuolumne, California | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Deschutes, Oregon | 1 | $ 100,000 | $ 100,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 320 | $70,466,000 | $220,000 | $1,050,000 | $115,000 | $336,000 |
| Home Improvement | 82 | $10,841,000 | $132,000 | $417,000 | $105,000 | $292,000 |
| Home Purchase | 12 | $2,737,000 | $228,000 | $496,000 | $151,000 | $300,000 |
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 | 223 | $47,472,000 | $212,000 | $1,050,000 | $125,000 | $336,000 |
| Hispanic | 118 | $19,844,000 | $168,000 | $470,000 | $105,000 | $289,000 |
| Not Provided | 46 | $10,678,000 | $232,000 | $585,000 | $90,000 | $285,000 |
| Asian | 17 | $4,345,000 | $255,000 | $508,000 | $122,000 | $233,000 |
| Black or African American | 9 | $1,405,000 | $156,000 | $496,000 | $73,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $300,000 | $300,000 | $300,000 | $157,000 | $157,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 414 | $84,044,000 | $203,000 | $1,050,000 | $114,000 | $336,000 |
| 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 | 218 | $39,852,000 | $182,000 | $600,000 | $119,000 | $310,000 |
| Application Denied By Financial Institution | 130 | $29,898,000 | $229,000 | $1,050,000 | $102,000 | $285,000 |
| Application Withdrawn By Applicant | 66 | $14,294,000 | $216,000 | $690,000 | $124,000 | $336,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 46 | $11,876,000 | $258,000 | $1,050,000 | $124,000 | $285,000 |
| Debt-To-Income Ratio | 34 | $6,663,000 | $195,000 | $417,000 | $84,000 | $174,000 |
| Other | 22 | $4,166,000 | $189,000 | $417,000 | $83,000 | $196,000 |
| Credit Application Incomplete | 14 | $3,444,000 | $246,000 | $446,000 | $119,000 | $212,000 |
| Credit History | 13 | $3,719,000 | $286,000 | $730,000 | $89,000 | $190,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $58,000 | $58,000 |
| 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 2010 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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