F&A Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, F&A Federal Credit Union of Monterey Park, CA reported 698 mortgage applications totaling $203.2 million, up 8% from 2024. The average application was for $291,146, and applicants reported an average income of $212,144. 72% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (317), Riverside-San Bernardino-Ontario, CA (138) and Anaheim-Santa Ana-Irvine, CA (88) (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 | 698 |
| Total Mortgage Loan Application Amount | $203,220,000 |
| Average Mortgage Loan Application Amount | $291,146 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $212,144 |
| Highest Applicant Income | $3,631,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 317 | $ 91,515,000 | $ 288,690 | $ 189,000 |
| Riverside-San Bernardino-Ontario, CA | 138 | $ 36,000,000 | $ 260,869 | $ 225,000 |
| Anaheim-Santa Ana-Irvine, CA | 88 | $ 32,270,000 | $ 366,704 | $ 260,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 25 | $ 6,465,000 | $ 258,600 | $ 211,000 |
| San Diego-Carlsbad, CA | 18 | $ 7,730,000 | $ 429,444 | $ 280,000 |
| Outside any metro area | 17 | $ 5,095,000 | $ 299,705 | $ 236,647 |
| Bakersfield, CA | 7 | $ 1,775,000 | $ 253,571 | $ 173,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 985,000 | $ 140,714 | $ 168,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,580,000 | $ 263,333 | $ 236,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 1,680,000 | $ 280,000 | $ 247,000 |
| Canton-Massillon, OH | 4 | $ 260,000 | $ 65,000 | $ 281,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 740,000 | $ 185,000 | $ 186,000 |
| Las Vegas-Henderson-Paradise, NV | 4 | $ 1,650,000 | $ 412,500 | $ 223,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 720,000 | $ 180,000 | $ 221,000 |
| Akron, OH | 3 | $ 335,000 | $ 111,666 | $ 65,000 |
| Boise City, ID | 3 | $ 805,000 | $ 268,333 | $ 125,000 |
| Fresno, CA | 3 | $ 605,000 | $ 201,666 | $ 202,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 785,000 | $ 261,666 | $ 146,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,315,000 | $ 438,333 | $ 87,000 |
| Austin-Round Rock, TX | 2 | $ 440,000 | $ 220,000 | $ 336,000 |
| Dallas-Plano-Irving, TX | 2 | $ 240,000 | $ 120,000 | $ 117,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 420,000 | $ 210,000 | $ 248,000 |
| San Rafael, CA | 2 | $ 1,150,000 | $ 575,000 | $ 338,000 |
| Santa Rosa, CA | 2 | $ 730,000 | $ 365,000 | $ 257,000 |
| Stockton-Lodi, CA | 2 | $ 360,000 | $ 180,000 | $ 134,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 355,000 | $ 355,000 | $ 206,000 |
| El Paso, TX | 1 | $ 115,000 | $ 115,000 | $ 113,000 |
| Eugene, OR | 1 | $ 215,000 | $ 215,000 | $ 917,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 224,000 |
| Fort Collins, CO | 1 | $ 205,000 | $ 205,000 | $ 160,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 205,000 | $ 205,000 | $ 208,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 135,000 | $ 135,000 | $ 209,000 |
| Knoxville, TN | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 315,000 | $ 315,000 | $ 170,000 |
| Medford, OR | 1 | $ 45,000 | $ 45,000 | $ 166,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 405,000 | $ 405,000 | $ 243,000 |
| Panama City, FL | 1 | $ 635,000 | $ 635,000 | $ 346,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 435,000 | $ 435,000 | $ 121,000 |
| Pocatello, ID | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 455,000 | $ 455,000 | $ 157,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 85,000 | $ 85,000 | $ 257,000 |
| Providence-Warwick, RI-MA | 1 | $ 55,000 | $ 55,000 | $ 372,000 |
| Punta Gorda, FL | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Salem, OR | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,605,000 | $ 1,605,000 | $ 559,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 25,000 | $ 25,000 | $ 212,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 455,000 | $ 455,000 | $ 236,000 |
| Tucson, AZ | 1 | $ 305,000 | $ 305,000 | $ 184,000 |
| Yuba City, CA | 1 | $ 65,000 | $ 65,000 | $ 161,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2025
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 246 | $43,230,000 | $175,000 | $705,000 | $219,000 | $3,631,000 |
| Refinancing | 165 | $47,035,000 | $285,000 | $1,605,000 | $209,000 | $600,000 |
| Home Purchase | 144 | $72,360,000 | $502,000 | $2,005,000 | $228,000 | $917,000 |
| Cash-out Refinancing | 142 | $40,510,000 | $285,000 | $1,605,000 | $189,000 | $507,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $48,000 | $48,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 244 | $60,330,000 | $247,000 | $2,005,000 | $202,000 | $3,631,000 |
| White | 240 | $75,250,000 | $313,000 | $1,605,000 | $224,000 | $2,472,000 |
| Not Provided | 149 | $46,085,000 | $309,000 | $1,545,000 | $222,000 | $596,000 |
| Asian | 46 | $14,730,000 | $320,000 | $1,205,000 | $188,000 | $432,000 |
| Black or African American | 17 | $6,005,000 | $353,000 | $1,605,000 | $184,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $161,000 | $161,000 |
| American Indian or Alaskan Native | 1 | $665,000 | $665,000 | $665,000 | $180,000 | $180,000 |
| 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) | 698 | $203,220,000 | $291,000 | $2,005,000 | $212,000 | $3,631,000 |
| 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 | 500 | $148,290,000 | $296,000 | $2,005,000 | $212,000 | $917,000 |
| Application Withdrawn By Applicant | 122 | $36,400,000 | $298,000 | $1,205,000 | $225,000 | $2,472,000 |
| Application Denied By Financial Institution | 49 | $9,415,000 | $192,000 | $615,000 | $120,000 | $351,000 |
| Application Approved But Not Accepted | 26 | $8,960,000 | $344,000 | $865,000 | $199,000 | $446,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $3,631,000 | $3,631,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 649 | $193,805,000 | $298,000 | $2,005,000 | $219,000 | $3,631,000 |
| Debt-To-Income Ratio | 31 | $6,185,000 | $199,000 | $585,000 | $104,000 | $285,000 |
| Credit History | 7 | $1,485,000 | $212,000 | $615,000 | $136,000 | $184,000 |
| Collateral | 5 | $1,175,000 | $235,000 | $505,000 | $250,000 | $351,000 |
| Other | 2 | $140,000 | $70,000 | $95,000 | $119,000 | $122,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $235,000 | $79,000 | $110,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $53,000 | $53,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $67,000 | $67,000 |
| 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 2025 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About