F&A Federal Credit Union Mortgage Lending & HMDA Data, 2012
In 2012, F&A Federal Credit Union of Monterey Park, CA reported 639 mortgage applications totaling $124.7 million, up 156% from 2011. The average application was for $195,075, and applicants reported an average income of $110,826. 67% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (364), Riverside-San Bernardino-Ontario, CA (105) and Santa Ana-Anaheim-Irvine, CA (95) (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 | 639 |
| Total Mortgage Loan Application Amount | $124,653,000 |
| Average Mortgage Loan Application Amount | $195,075 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $110,826 |
| Highest Applicant Income | $316,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 364 | $ 70,498,000 | $ 193,675 | $ 106,000 |
| Orange, California | 95 | $ 22,533,000 | $ 237,189 | $ 131,000 |
| San Bernardino, California | 68 | $ 12,005,000 | $ 176,544 | $ 110,000 |
| Riverside, California | 37 | $ 6,237,000 | $ 168,567 | $ 104,000 |
| San Diego, California | 19 | $ 3,442,000 | $ 181,157 | $ 100,000 |
| Ventura, California | 13 | $ 2,923,000 | $ 224,846 | $ 120,000 |
| Kern, California | 8 | $ 1,007,000 | $ 125,875 | $ 93,000 |
| Alameda, California | 5 | $ 1,270,000 | $ 254,000 | $ 165,000 |
| Nevada, California | 4 | $ 832,000 | $ 208,000 | $ 102,000 |
| Placer, California | 4 | $ 805,000 | $ 201,250 | $ 99,000 |
| Linn, Oregon | 3 | $ 173,000 | $ 57,666 | $ 83,000 |
| Mohave, Arizona | 2 | $ 295,000 | $ 147,500 | $ 80,000 |
| San Joaquin, California | 2 | $ 97,000 | $ 48,500 | $ 174,000 |
| San Luis Obispo, California | 2 | $ 290,000 | $ 145,000 | $ 101,000 |
| Santa Barbara, California | 2 | $ 112,000 | $ 56,000 | $ 110,000 |
| Gila, Arizona | 1 | $ 148,000 | $ 148,000 | $ 79,000 |
| Pima, Arizona | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| El Dorado, California | 1 | $ 300,000 | $ 300,000 | $ 135,000 |
| Mono, California | 1 | $ 116,000 | $ 116,000 | $ 103,000 |
| Monterey, California | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| Sacramento, California | 1 | $ 122,000 | $ 122,000 | $ 189,000 |
| Siskiyou, California | 1 | $ 90,000 | $ 90,000 | $ 85,000 |
| Solano, California | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Sonoma, California | 1 | $ 156,000 | $ 156,000 | $ 102,000 |
| Twin Falls, Idaho | 1 | $ 417,000 | $ 417,000 | $ 132,000 |
| Malheur, Oregon | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2012
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 | 505 | $106,508,000 | $210,000 | $625,000 | $110,000 | $316,000 |
| Home Improvement | 118 | $14,531,000 | $123,000 | $380,000 | $118,000 | $276,000 |
| Home Purchase | 16 | $3,614,000 | $225,000 | $400,000 | $84,000 | $219,000 |
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 | 359 | $67,218,000 | $187,000 | $604,000 | $115,000 | $309,000 |
| Hispanic | 179 | $34,529,000 | $192,000 | $600,000 | $102,000 | $316,000 |
| Not Provided | 46 | $11,478,000 | $249,000 | $625,000 | $103,000 | $230,000 |
| Asian | 36 | $7,174,000 | $199,000 | $625,000 | $107,000 | $242,000 |
| Black or African American | 11 | $2,398,000 | $218,000 | $475,000 | $111,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,590,000 | $227,000 | $417,000 | $135,000 | $285,000 |
| American Indian or Alaskan Native | 1 | $266,000 | $266,000 | $266,000 | $143,000 | $143,000 |
| 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) | 638 | $124,348,000 | $194,000 | $625,000 | $111,000 | $316,000 |
| VA-guaranteed (Veterans Administration) | 1 | $305,000 | $305,000 | $305,000 | $133,000 | $133,000 |
| 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 |
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 | 431 | $76,601,000 | $177,000 | $625,000 | $116,000 | $316,000 |
| Application Withdrawn By Applicant | 105 | $23,436,000 | $223,000 | $625,000 | $99,000 | $309,000 |
| Application Denied By Financial Institution | 103 | $24,616,000 | $238,000 | $600,000 | $101,000 | $234,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 22 | $5,461,000 | $248,000 | $524,000 | $69,000 | $172,000 |
| Collateral | 22 | $5,298,000 | $240,000 | $570,000 | $107,000 | $211,000 |
| Other | 22 | $4,249,000 | $193,000 | $380,000 | $117,000 | $234,000 |
| Credit History | 18 | $4,874,000 | $270,000 | $600,000 | $100,000 | $175,000 |
| Credit Application Incomplete | 16 | $4,104,000 | $256,000 | $559,000 | $113,000 | $230,000 |
| Unverifiable Information | 1 | $240,000 | $240,000 | $240,000 | $161,000 | $161,000 |
| Employment History | 1 | $150,000 | $150,000 | $150,000 | $70,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $240,000 | $240,000 | $240,000 | $85,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&A Federal Credit Union's 2012 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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