F&A Federal Credit Union Mortgage Lending & HMDA Data, 2013
In 2013, F&A Federal Credit Union of Monterey Park, CA reported 623 mortgage applications totaling $103.4 million, down 3% from 2012. The average application was for $166,041, and applicants reported an average income of $113,698. 66% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (358), Riverside-San Bernardino-Ontario, CA (119) and Santa Ana-Anaheim-Irvine, CA (73) (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 | 623 |
| Total Mortgage Loan Application Amount | $103,444,000 |
| Average Mortgage Loan Application Amount | $166,041 |
| Highest Mortgage Loan Application Amount | $580,000 |
| Average Applicant Income | $113,698 |
| Highest Applicant Income | $667,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 358 | $ 60,362,000 | $ 168,608 | $ 107,000 |
| Orange, California | 73 | $ 11,193,000 | $ 153,328 | $ 141,000 |
| San Bernardino, California | 67 | $ 9,289,000 | $ 138,641 | $ 109,000 |
| Riverside, California | 52 | $ 8,551,000 | $ 164,442 | $ 120,000 |
| Ventura, California | 18 | $ 4,078,000 | $ 226,555 | $ 160,000 |
| San Diego, California | 8 | $ 1,931,000 | $ 241,375 | $ 127,000 |
| San Luis Obispo, California | 6 | $ 1,189,000 | $ 198,166 | $ 104,000 |
| Kern, California | 5 | $ 1,036,000 | $ 207,200 | $ 123,000 |
| Placer, California | 5 | $ 1,089,000 | $ 217,800 | $ 124,000 |
| Maricopa, Arizona | 3 | $ 476,000 | $ 158,666 | $ 94,000 |
| El Dorado, California | 3 | $ 430,000 | $ 143,333 | $ 130,000 |
| Tulare, California | 3 | $ 154,000 | $ 51,333 | $ 68,000 |
| Contra Costa, California | 2 | $ 550,000 | $ 275,000 | $ 65,000 |
| Fresno, California | 2 | $ 271,000 | $ 135,500 | $ 71,000 |
| Santa Barbara, California | 2 | $ 659,000 | $ 329,500 | $ 55,000 |
| Santa Clara, California | 2 | $ 187,000 | $ 93,500 | $ 131,000 |
| Siskiyou, California | 2 | $ 279,000 | $ 139,500 | $ 130,000 |
| Curry, Oregon | 2 | $ 170,000 | $ 85,000 | $ 165,000 |
| Cochise, Arizona | 1 | $ 30,000 | $ 30,000 | $ 123,000 |
| Mohave, Arizona | 1 | $ 28,000 | $ 28,000 | $ 132,000 |
| Yavapai, Arizona | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Butte, California | 1 | $ 217,000 | $ 217,000 | $ 125,000 |
| Mono, California | 1 | $ 250,000 | $ 250,000 | $ 98,000 |
| Sacramento, California | 1 | $ 40,000 | $ 40,000 | $ 148,000 |
| Santa Cruz, California | 1 | $ 580,000 | $ 580,000 | $ 161,000 |
| Tuolumne, California | 1 | $ 300,000 | $ 300,000 | $ 79,000 |
| Jackson, Oregon | 1 | $ 30,000 | $ 30,000 | $ 83,000 |
| Kane, Utah | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2013
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 | 437 | $79,377,000 | $181,000 | $546,000 | $112,000 | $667,000 |
| Home Improvement | 157 | $16,640,000 | $105,000 | $410,000 | $118,000 | $277,000 |
| Home Purchase | 29 | $7,427,000 | $256,000 | $580,000 | $116,000 | $326,000 |
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 | 294 | $46,146,000 | $156,000 | $546,000 | $123,000 | $667,000 |
| Hispanic | 200 | $29,446,000 | $147,000 | $575,000 | $102,000 | $277,000 |
| Not Provided | 58 | $15,425,000 | $265,000 | $580,000 | $116,000 | $300,000 |
| Asian | 47 | $8,127,000 | $172,000 | $385,000 | $104,000 | $254,000 |
| Black or African American | 18 | $2,995,000 | $166,000 | $310,000 | $110,000 | $225,000 |
| American Indian or Alaskan Native | 5 | $936,000 | $187,000 | $330,000 | $173,000 | $229,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $369,000 | $369,000 | $369,000 | $101,000 | $101,000 |
| 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) | 623 | $103,444,000 | $166,000 | $580,000 | $114,000 | $667,000 |
| 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 | 414 | $56,371,000 | $136,000 | $410,000 | $117,000 | $667,000 |
| Application Withdrawn By Applicant | 122 | $26,185,000 | $214,000 | $580,000 | $107,000 | $300,000 |
| Application Denied By Financial Institution | 87 | $20,888,000 | $240,000 | $575,000 | $107,000 | $326,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 23 | $5,426,000 | $235,000 | $417,000 | $109,000 | $222,000 |
| Collateral | 20 | $4,756,000 | $237,000 | $500,000 | $120,000 | $192,000 |
| Debt-To-Income Ratio | 19 | $4,018,000 | $211,000 | $417,000 | $74,000 | $161,000 |
| Credit History | 14 | $4,105,000 | $293,000 | $575,000 | $123,000 | $326,000 |
| Other | 10 | $2,371,000 | $237,000 | $461,000 | $118,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $212,000 | $212,000 | $212,000 | $74,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into F&A Federal Credit Union's 2013 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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