Kinecta Federal Credit Union Mortgage Lending & HMDA Data, 2016

In 2016, Kinecta Federal Credit Union of Manhattan Beach, CA reported 3,933 mortgage applications totaling $1.6 billion, down 51% from 2015. The average application was for $400,380, and applicants reported an average income of $136,276. 71% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,633), Anaheim-Santa Ana-Irvine, CA (659) and Riverside-San Bernardino-Ontario, CA (372) (applications in parentheses).

Mortgage Company & Address Kinecta Federal Credit Union
1440 Rosecrans Ave
Manhattan Beach, CA 90266
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 3,933
Total Mortgage Loan Application Amount $1,574,697,000
Average Mortgage Loan Application Amount $400,380
Highest Mortgage Loan Application Amount $4,900,000
Average Applicant Income $136,276
Highest Applicant Income $3,211,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Kinecta Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Kinecta Federal Credit Union by County in 2016

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 1,633 $ 635,915,000 $ 389,415 $ 128,000
Orange, California 659 $ 292,256,000 $ 443,484 $ 150,000
Riverside, California 195 $ 65,486,000 $ 335,825 $ 120,000
San Bernardino, California 177 $ 51,809,000 $ 292,706 $ 110,000
Ventura, California 128 $ 49,326,000 $ 385,359 $ 134,000
San Diego, California 79 $ 40,440,000 $ 511,898 $ 152,000
Santa Barbara, California 65 $ 27,646,000 $ 425,323 $ 144,000
Alameda, California 63 $ 37,601,000 $ 596,841 $ 191,000
Santa Clara, California 53 $ 33,167,000 $ 625,792 $ 187,000
Sacramento, California 41 $ 12,830,000 $ 312,926 $ 148,000
Maricopa, Arizona 29 $ 7,709,000 $ 265,827 $ 149,000
King, Washington 29 $ 10,754,000 $ 370,827 $ 149,000
Contra Costa, California 28 $ 13,507,000 $ 482,392 $ 161,000
Clark, Nevada 25 $ 4,796,000 $ 191,840 $ 101,000
San Mateo, California 24 $ 13,015,000 $ 542,291 $ 163,000
Placer, California 22 $ 7,741,000 $ 351,863 $ 143,000
Nassau, New York 21 $ 7,311,000 $ 348,142 $ 137,000
Sonoma, California 18 $ 7,697,000 $ 427,611 $ 140,000
Kern, California 17 $ 4,934,000 $ 290,235 $ 164,000
Kings, New York 17 $ 9,284,000 $ 546,117 $ 201,000
San Joaquin, California 15 $ 6,645,000 $ 443,000 $ 141,000
Cook, Illinois 15 $ 4,421,000 $ 294,733 $ 133,000
Rockland, New York 15 $ 6,424,000 $ 428,266 $ 132,000
San Francisco, California 13 $ 8,478,000 $ 652,153 $ 226,000
Solano, California 13 $ 8,556,000 $ 658,153 $ 117,000
Monterey, California 12 $ 8,864,000 $ 738,666 $ 138,000
El Dorado, California 11 $ 4,366,000 $ 396,909 $ 193,000
Broward, Florida 11 $ 3,373,000 $ 306,636 $ 147,000
Pima, Arizona 10 $ 1,902,000 $ 190,200 $ 94,000
Marin, California 10 $ 5,247,000 $ 524,700 $ 159,000
Miami-Dade, Florida 10 $ 3,324,000 $ 332,400 $ 171,000
St. Johns, Florida 10 $ 2,065,000 $ 206,500 $ 106,000
San Luis Obispo, California 9 $ 3,308,000 $ 367,555 $ 145,000
Suffolk, New York 9 $ 3,516,000 $ 390,666 $ 168,000
Snohomish, Washington 9 $ 3,222,000 $ 358,000 $ 118,000
Mohave, Arizona 8 $ 1,364,000 $ 170,500 $ 113,000
Fresno, California 8 $ 1,455,000 $ 181,875 $ 79,000
Erie, New York 8 $ 1,466,000 $ 183,250 $ 95,000
Richmond, New York 8 $ 3,344,000 $ 418,000 $ 112,000
Douglas, Colorado 7 $ 3,153,000 $ 450,428 $ 243,000
Palm Beach, Florida 7 $ 2,282,000 $ 326,000 $ 118,000
Will, Illinois 7 $ 2,399,000 $ 342,714 $ 190,000
Westchester, New York 7 $ 3,858,000 $ 551,142 $ 258,000
Queens, New York 6 $ 2,924,000 $ 487,333 $ 130,000
Island, Washington 6 $ 2,138,000 $ 356,333 $ 116,000
Lake, Illinois 5 $ 1,591,000 $ 318,200 $ 110,000
Butte, California 4 $ 3,249,000 $ 812,250 $ 66,000
Adams, Colorado 4 $ 1,076,000 $ 269,000 $ 142,000
Arapahoe, Colorado 4 $ 1,132,000 $ 283,000 $ 105,000
Orange, Florida 4 $ 1,347,000 $ 336,750 $ 276,000
Montgomery, Maryland 4 $ 1,167,000 $ 291,750 $ 119,000
Hennepin, Minnesota 4 $ 1,183,000 $ 295,750 $ 204,000
Washoe, Nevada 4 $ 1,401,000 $ 350,250 $ 152,000
Pinal, Arizona 3 $ 523,000 $ 174,333 $ 96,000
Yavapai, Arizona 3 $ 1,028,000 $ 342,666 $ 246,000
Mono, California 3 $ 875,000 $ 291,666 $ 69,000
Nevada, California 3 $ 1,087,000 $ 362,333 $ 217,000
Stanislaus, California 3 $ 720,000 $ 240,000 $ 86,000
Hillsborough, Florida 3 $ 503,000 $ 167,666 $ 130,000
DuPage, Illinois 3 $ 881,000 $ 293,666 $ 102,000
Frederick, Maryland 3 $ 546,000 $ 182,000 $ 96,000
Worcester, Massachusetts 3 $ 1,087,000 $ 362,333 $ 160,000
Lake, Ohio 3 $ 186,000 $ 62,000 $ 39,000
Multnomah, Oregon 3 $ 1,029,000 $ 343,000 $ 117,000
Coconino, Arizona 2 $ 557,000 $ 278,500 $ 89,000
Calaveras, California 2 $ 437,000 $ 218,500 $ 198,000
Napa, California 2 $ 1,584,000 $ 792,000 $ 314,000
Shasta, California 2 $ 2,214,000 $ 1,107,000 $ 49,000
Tulare, California 2 $ 635,000 $ 317,500 $ 107,000
Yolo, California 2 $ 319,000 $ 159,500 $ 105,000
Boulder, Colorado 2 $ 932,000 $ 466,000 $ 351,000
Denver, Colorado 2 $ 857,000 $ 428,500 $ 109,000
Jefferson, Colorado 2 $ 360,000 $ 180,000 $ 78,000
La Plata, Colorado 2 $ 552,000 $ 276,000 $ 147,000
Pasco, Florida 2 $ 320,000 $ 160,000 $ 79,000
Polk, Florida 2 $ 543,000 $ 271,500 $ 414,000
Sarasota, Florida 2 $ 804,000 $ 402,000 $ 132,000
Kendall, Illinois 2 $ 688,000 $ 344,000 $ 246,000
Marion, Indiana 2 $ 336,000 $ 168,000 $ 85,000
Norfolk, Massachusetts 2 $ 662,000 $ 331,000 $ 83,000
Kent, Michigan 2 $ 410,000 $ 205,000 $ 139,000
Jackson, Missouri 2 $ 86,000 $ 43,000 $ 89,000
Douglas, Nevada 2 $ 438,000 $ 219,000 $ 102,000
Ocean, New Jersey 2 $ 419,000 $ 209,500 $ 57,000
Josephine, Oregon 2 $ 585,000 $ 292,500 $ 40,000
Lincoln, Oregon 2 $ 505,000 $ 252,500 $ 73,000
Marion, Oregon 2 $ 566,000 $ 283,000 $ 105,000
Washington, Oregon 2 $ 389,000 $ 194,500 $ 75,000
Philadelphia, Pennsylvania 2 $ 375,000 $ 187,500 $ 75,000
Salt Lake, Utah 2 $ 612,000 $ 306,000 $ 112,000
Pierce, Washington 2 $ 469,000 $ 234,500 $ 75,000
Cochise, Arizona 1 $ 216,000 $ 216,000 $ 109,000
Amador, California 1 $ 176,000 $ 176,000 $ 139,000
Colusa, California 1 $ 222,000 $ 222,000 $ 129,000
Imperial, California 1 $ 70,000 $ 70,000 $ 35,000
Lake, California 1 $ 2,170,000 $ 2,170,000 $ 0
Mendocino, California 1 $ 270,000 $ 270,000 $ 96,000
Merced, California 1 $ 201,000 $ 201,000 $ 107,000
Plumas, California 1 $ 417,000 $ 417,000 $ 240,000
Santa Cruz, California 1 $ 625,000 $ 625,000 $ 215,000
Sutter, California 1 $ 264,000 $ 264,000 $ 72,000
Tuolumne, California 1 $ 413,000 $ 413,000 $ 114,000
Yuba, California 1 $ 2,085,000 $ 2,085,000 $ 0
Elbert, Colorado 1 $ 409,000 $ 409,000 $ 133,000
Larimer, Colorado 1 $ 292,000 $ 292,000 $ 125,000
Summit, Colorado 1 $ 349,000 $ 349,000 $ 155,000
Weld, Colorado 1 $ 377,000 $ 377,000 $ 112,000
Fairfield, Connecticut 1 $ 601,000 $ 601,000 $ 242,000
Litchfield, Connecticut 1 $ 940,000 $ 940,000 $ 298,000
New Haven, Connecticut 1 $ 417,000 $ 417,000 $ 162,000
Duval, Florida 1 $ 286,000 $ 286,000 $ 180,000
Flagler, Florida 1 $ 79,000 $ 79,000 $ 158,000
Gulf, Florida 1 $ 204,000 $ 204,000 $ 86,000
Lee, Florida 1 $ 150,000 $ 150,000 $ 186,000
Pinellas, Florida 1 $ 185,000 $ 185,000 $ 59,000
St. Lucie, Florida 1 $ 195,000 $ 195,000 $ 207,000
Ada, Idaho 1 $ 1,313,000 $ 1,313,000 $ 706,000
Champaign, Illinois 1 $ 133,000 $ 133,000 $ 94,000
Kane, Illinois 1 $ 416,000 $ 416,000 $ 114,000
St. Joseph, Indiana 1 $ 140,000 $ 140,000 $ 323,000
Johnson, Kansas 1 $ 417,000 $ 417,000 $ 259,000
Anne Arundel, Maryland 1 $ 437,000 $ 437,000 $ 84,000
Howard, Maryland 1 $ 417,000 $ 417,000 $ 518,000
Prince George's, Maryland 1 $ 160,000 $ 160,000 $ 119,000
Essex, Massachusetts 1 $ 172,000 $ 172,000 $ 64,000
Middlesex, Massachusetts 1 $ 253,000 $ 253,000 $ 49,000
Suffolk, Massachusetts 1 $ 522,000 $ 522,000 $ 142,000
Barry, Michigan 1 $ 120,000 $ 120,000 $ 124,000
Cass, Michigan 1 $ 33,000 $ 33,000 $ 54,000
Oakland, Michigan 1 $ 146,000 $ 146,000 $ 452,000
Anoka, Minnesota 1 $ 153,000 $ 153,000 $ 42,000
Carver, Minnesota 1 $ 296,000 $ 296,000 $ 124,000
Chisago, Minnesota 1 $ 385,000 $ 385,000 $ 105,000
Dakota, Minnesota 1 $ 213,000 $ 213,000 $ 111,000
Pine, Minnesota 1 $ 176,000 $ 176,000 $ 45,000
Ramsey, Minnesota 1 $ 280,000 $ 280,000 $ 159,000
Wright, Minnesota 1 $ 144,000 $ 144,000 $ 139,000
Boone, Missouri 1 $ 77,000 $ 77,000 $ 42,000
St. Louis, Missouri 1 $ 47,000 $ 47,000 $ 290,000
St. Louis City, Missouri 1 $ 77,000 $ 77,000 $ 98,000
Carson City, Nevada 1 $ 270,000 $ 270,000 $ 68,000
Essex, New Jersey 1 $ 417,000 $ 417,000 $ 300,000
Albany, New York 1 $ 417,000 $ 417,000 $ 400,000
Broome, New York 1 $ 128,000 $ 128,000 $ 77,000
New York, New York 1 $ 625,000 $ 625,000 $ 296,000
Niagara, New York 1 $ 83,000 $ 83,000 $ 140,000
Orange, New York 1 $ 202,000 $ 202,000 $ 50,000
Saratoga, New York 1 $ 346,000 $ 346,000 $ 103,000
Delaware, Ohio 1 $ 277,000 $ 277,000 $ 93,000
Franklin, Ohio 1 $ 50,000 $ 50,000 $ 82,000
Lucas, Ohio 1 $ 41,000 $ 41,000 $ 121,000
Mahoning, Ohio 1 $ 60,000 $ 60,000 $ 27,000
Montgomery, Ohio 1 $ 65,000 $ 65,000 $ 105,000
Clackamas, Oregon 1 $ 288,000 $ 288,000 $ 80,000
Jackson, Oregon 1 $ 417,000 $ 417,000 $ 339,000
Lane, Oregon 1 $ 158,000 $ 158,000 $ 119,000
Yamhill, Oregon 1 $ 224,000 $ 224,000 $ 177,000
Lancaster, Pennsylvania 1 $ 250,000 $ 250,000 $ 59,000
Montgomery, Pennsylvania 1 $ 346,000 $ 346,000 $ 133,000
Summit, Utah 1 $ 417,000 $ 417,000 $ 182,000
Utah, Utah 1 $ 417,000 $ 417,000 $ 122,000
Washington, Utah 1 $ 150,000 $ 150,000 $ 68,000
Weber, Utah 1 $ 275,000 $ 275,000 $ 66,000
Prince William, Virginia 1 $ 64,000 $ 64,000 $ 200,000
Chelan, Washington 1 $ 298,000 $ 298,000 $ 85,000
Clallam, Washington 1 $ 349,000 $ 349,000 $ 235,000
Clark, Washington 1 $ 238,000 $ 238,000 $ 206,000
Kitsap, Washington 1 $ 180,000 $ 180,000 $ 105,000
Mason, Washington 1 $ 185,000 $ 185,000 $ 223,000
Spokane, Washington 1 $ 280,000 $ 280,000 $ 172,000
Thurston, Washington 1 $ 81,000 $ 81,000 $ 111,000
Kenosha, Wisconsin 1 $ 113,000 $ 113,000 $ 72,000

Mortgage Loan Application Detail Totals for Kinecta Federal Credit Union in 2016

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 2,603 $991,846,000 $381,000 $4,900,000 $129,000 $3,211,000
Home Purchase 1,314 $577,978,000 $439,000 $4,875,000 $151,000 $1,174,000
Home Improvement 16 $4,873,000 $304,000 $417,000 $111,000 $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 1,458 $613,632,000 $420,000 $2,100,000 $156,000 $3,211,000
Not Provided 1,432 $524,121,000 $366,000 $1,872,000 $129,000 $1,102,000
Hispanic 482 $154,280,000 $320,000 $1,547,000 $103,000 $536,000
Asian 392 $181,804,000 $463,000 $4,875,000 $153,000 $1,095,000
Black or African American 127 $41,437,000 $326,000 $985,000 $106,000 $735,000
Not applicable 26 $53,416,000 $2,054,000 $4,900,000 $0 $0
Native Hawaiin or Other Pacific Islander 11 $4,007,000 $364,000 $635,000 $122,000 $202,000
American Indian or Alaskan Native 5 $2,000,000 $400,000 $515,000 $121,000 $138,000

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) 3,815 $1,530,808,000 $401,000 $4,900,000 $138,000 $3,211,000
FHA-insured (Federal Housing Administration) 118 $43,889,000 $371,000 $696,000 $93,000 $331,000
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 2,801 $1,088,870,000 $388,000 $4,900,000 $137,000 $3,211,000
Application Denied By Financial Institution 725 $306,565,000 $422,000 $1,950,000 $136,000 $783,000
Application Withdrawn By Applicant 175 $72,962,000 $416,000 $1,860,000 $139,000 $780,000
Preapproval Denied by Financial Institution 164 $79,903,000 $487,000 $4,875,000 $136,000 $1,095,000
Application Approved But Not Accepted 36 $13,266,000 $368,000 $670,000 $133,000 $410,000
File Closed For Incompleteness 31 $12,771,000 $411,000 $1,313,000 $120,000 $706,000
Preapproval Approved but not Accepted 1 $360,000 $360,000 $360,000 $81,000 $81,000
Loan Purchased By The 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
Unverifiable Information 468 $200,243,000 $427,000 $1,950,000 $146,000 $783,000
Debt-To-Income Ratio 181 $82,722,000 $457,000 $1,725,000 $95,000 $510,000
Collateral 82 $32,839,000 $400,000 $1,088,000 $141,000 $610,000
Credit History 79 $36,502,000 $462,000 $4,875,000 $152,000 $1,095,000
Other 35 $16,046,000 $458,000 $1,820,000 $156,000 $555,000
Insufficient Cash (Downpayment, Closing Cost) 16 $7,843,000 $490,000 $1,280,000 $134,000 $262,000
Credit Application Incomplete 16 $6,015,000 $375,000 $625,000 $165,000 $536,000
Employment History 12 $4,258,000 $354,000 $1,268,000 $123,000 $508,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Kinecta Federal Credit Union's 2016 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 Kinecta 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.

Download the California Lender List