F&A Federal Credit Union Mortgage Lending & HMDA Data, 2011
In 2011, F&A Federal Credit Union of Monterey Park, CA reported 250 mortgage applications totaling $47.1 million, down 40% from 2010. The average application was for $188,300, and applicants reported an average income of $120,000. 65% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (139), Riverside-San Bernardino-Ontario, CA (45) and Santa Ana-Anaheim-Irvine, CA (33) (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 | 250 |
| Total Mortgage Loan Application Amount | $47,075,000 |
| Average Mortgage Loan Application Amount | $188,300 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $327,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 139 | $ 24,078,000 | $ 173,223 | $ 108,000 |
| Orange, California | 33 | $ 8,950,000 | $ 271,212 | $ 149,000 |
| San Bernardino, California | 26 | $ 4,328,000 | $ 166,461 | $ 132,000 |
| Riverside, California | 19 | $ 3,354,000 | $ 176,526 | $ 121,000 |
| Ventura, California | 15 | $ 3,742,000 | $ 249,466 | $ 160,000 |
| San Luis Obispo, California | 3 | $ 552,000 | $ 184,000 | $ 97,000 |
| Alameda, California | 2 | $ 604,000 | $ 302,000 | $ 137,000 |
| Kern, California | 2 | $ 456,000 | $ 228,000 | $ 104,000 |
| Mohave, Arizona | 1 | $ 30,000 | $ 30,000 | $ 130,000 |
| Butte, California | 1 | $ 100,000 | $ 100,000 | $ 109,000 |
| Contra Costa, California | 1 | $ 70,000 | $ 70,000 | $ 274,000 |
| Del Norte, California | 1 | $ 137,000 | $ 137,000 | $ 93,000 |
| El Dorado, California | 1 | $ 99,000 | $ 99,000 | $ 133,000 |
| Imperial, California | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| Inyo, California | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Santa Barbara, California | 1 | $ 209,000 | $ 209,000 | $ 153,000 |
| Shasta, California | 1 | $ 70,000 | $ 70,000 | $ 53,000 |
| Douglas, Nevada | 1 | $ 90,000 | $ 90,000 | $ 80,000 |
| Deschutes, Oregon | 1 | $ 100,000 | $ 100,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2011
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 | 174 | $35,399,000 | $203,000 | $525,000 | $118,000 | $312,000 |
| Home Improvement | 60 | $7,575,000 | $126,000 | $510,000 | $125,000 | $298,000 |
| Home Purchase | 16 | $4,101,000 | $256,000 | $700,000 | $123,000 | $327,000 |
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 | 149 | $27,134,000 | $182,000 | $700,000 | $127,000 | $327,000 |
| Hispanic | 61 | $10,332,000 | $169,000 | $446,000 | $102,000 | $312,000 |
| Not Provided | 18 | $4,498,000 | $249,000 | $525,000 | $113,000 | $285,000 |
| Asian | 9 | $2,137,000 | $237,000 | $414,000 | $122,000 | $201,000 |
| Black or African American | 7 | $1,617,000 | $231,000 | $300,000 | $137,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $789,000 | $197,000 | $334,000 | $134,000 | $204,000 |
| American Indian or Alaskan Native | 2 | $568,000 | $284,000 | $392,000 | $95,000 | $139,000 |
| 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) | 250 | $47,075,000 | $188,000 | $700,000 | $120,000 | $327,000 |
| 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 | 163 | $26,052,000 | $159,000 | $700,000 | $123,000 | $327,000 |
| Application Denied By Financial Institution | 57 | $13,711,000 | $240,000 | $525,000 | $112,000 | $277,000 |
| Application Withdrawn By Applicant | 30 | $7,312,000 | $243,000 | $700,000 | $120,000 | $285,000 |
| 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 | 23 | $5,716,000 | $248,000 | $525,000 | $119,000 | $268,000 |
| Debt-To-Income Ratio | 15 | $3,297,000 | $219,000 | $453,000 | $60,000 | $125,000 |
| Credit History | 8 | $2,687,000 | $335,000 | $446,000 | $164,000 | $226,000 |
| Other | 6 | $980,000 | $163,000 | $350,000 | $153,000 | $277,000 |
| Credit Application Incomplete | 4 | $927,000 | $231,000 | $350,000 | $118,000 | $185,000 |
| Employment History | 1 | $104,000 | $104,000 | $104,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&A Federal Credit Union's 2011 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.
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with aggregated HMDA statistics today.
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