F&A Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, F&A Federal Credit Union of Monterey Park, CA reported 671 mortgage applications totaling $106.3 million, up 5% from 2018. The average application was for $158,472, and applicants reported an average income of $146,716. 74% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (333), Riverside-San Bernardino-Ontario, CA (165) and Anaheim-Santa Ana-Irvine, CA (87) (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 | 671 |
| Total Mortgage Loan Application Amount | $106,335,000 |
| Average Mortgage Loan Application Amount | $158,472 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $146,716 |
| Highest Applicant Income | $525,000 |
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(HMDA) records F&A Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 333 | $ 57,015,000 | $ 171,216 | $ 133,000 |
| Riverside-San Bernardino-Ontario, CA | 165 | $ 22,365,000 | $ 135,545 | $ 149,000 |
| Anaheim-Santa Ana-Irvine, CA | 87 | $ 15,085,000 | $ 173,390 | $ 190,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 19 | $ 2,205,000 | $ 116,052 | $ 184,000 |
| San Diego-Carlsbad, CA | 9 | $ 1,815,000 | $ 201,666 | $ 172,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 195,000 | $ 39,000 | $ 80,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 555,000 | $ 111,000 | $ 151,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 210,000 | $ 52,500 | $ 187,000 |
| Bakersfield, CA | 3 | $ 95,000 | $ 31,666 | $ 112,000 |
| Chico, CA | 3 | $ 195,000 | $ 65,000 | $ 107,000 |
| Madera, CA | 3 | $ 305,000 | $ 101,666 | $ 51,000 |
| Outside any metro area | 3 | $ 585,000 | $ 195,000 | $ 108,666 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 605,000 | $ 201,666 | $ 185,000 |
| Fresno, CA | 2 | $ 120,000 | $ 60,000 | $ 148,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 260,000 | $ 130,000 | $ 144,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 80,000 | $ 40,000 | $ 60,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 200,000 | $ 100,000 | $ 65,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 350,000 | $ 175,000 | $ 163,000 |
| Santa Rosa, CA | 2 | $ 320,000 | $ 160,000 | $ 288,000 |
| Salinas, CA | 1 | $ 495,000 | $ 495,000 | $ 240,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 255,000 | $ 255,000 | $ 136,000 |
| Tucson, AZ | 1 | $ 135,000 | $ 135,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for F&A Federal Credit Union in 2019
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 306 | $30,890,000 | $100,000 | $505,000 | $147,000 | $458,000 |
| Other Purpose | 174 | $15,440,000 | $88,000 | $505,000 | $140,000 | $466,000 |
| Refinancing | 137 | $37,605,000 | $274,000 | $1,065,000 | $151,000 | $446,000 |
| Cash-out Refinancing | 41 | $17,545,000 | $427,000 | $1,125,000 | $153,000 | $525,000 |
| Home Purchase | 13 | $4,855,000 | $373,000 | $575,000 | $165,000 | $320,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 311 | $45,685,000 | $146,000 | $1,025,000 | $154,000 | $466,000 |
| Hispanic | 217 | $29,985,000 | $138,000 | $685,000 | $132,000 | $458,000 |
| Not Provided | 90 | $21,260,000 | $236,000 | $1,125,000 | $151,000 | $525,000 |
| Asian | 19 | $4,235,000 | $222,000 | $685,000 | $139,000 | $324,000 |
| Black or African American | 12 | $1,900,000 | $158,000 | $885,000 | $168,000 | $319,000 |
| American Indian or Alaskan Native | 9 | $1,465,000 | $162,000 | $625,000 | $137,000 | $182,000 |
| Not applicable | 2 | $130,000 | $65,000 | $105,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $50,000 | $50,000 |
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) | 671 | $106,335,000 | $158,000 | $1,125,000 | $146,000 | $525,000 |
| 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 | 494 | $73,970,000 | $149,000 | $1,125,000 | $156,000 | $525,000 |
| Application Denied By Financial Institution | 117 | $17,705,000 | $151,000 | $805,000 | $97,000 | $360,000 |
| Application Withdrawn By Applicant | 58 | $13,690,000 | $236,000 | $625,000 | $156,000 | $391,000 |
| File Closed For Incompleteness | 1 | $525,000 | $525,000 | $525,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $445,000 | $445,000 | $445,000 | $197,000 | $197,000 |
| 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 | 554 | $88,630,000 | $159,000 | $1,125,000 | $156,000 | $525,000 |
| Other | 50 | $6,130,000 | $122,000 | $685,000 | $113,000 | $360,000 |
| Debt-To-Income Ratio | 34 | $5,070,000 | $149,000 | $805,000 | $71,000 | $202,000 |
| Collateral | 23 | $4,165,000 | $181,000 | $545,000 | $115,000 | $288,000 |
| Credit History | 7 | $1,495,000 | $213,000 | $505,000 | $73,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $295,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $285,000 | $285,000 | $285,000 | $0 | $0 |
| Employment History | 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 2019 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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