Kinecta Federal Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Kinecta Federal Credit Union of Manhattan Beach, CA reported 4,040 mortgage applications totaling $2.0 billion, down 17% from 2021. The average application was for $494,769, and applicants reported an average income of $202,091. 66% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,537), Anaheim-Santa Ana-Irvine, CA (445) and Riverside-San Bernardino-Ontario, CA (322) (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 | 4,040 |
| Total Mortgage Loan Application Amount | $1,998,870,000 |
| Average Mortgage Loan Application Amount | $494,769 |
| Highest Mortgage Loan Application Amount | $8,305,000 |
| Average Applicant Income | $202,091 |
| Highest Applicant Income | $6,904,000 |
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records Kinecta Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,537 | $ 714,355,000 | $ 464,772 | $ 196,000 |
| Orange, California | 445 | $ 227,585,000 | $ 511,426 | $ 225,000 |
| Monroe, New York | 188 | $ 19,740,000 | $ 105,000 | $ 97,000 |
| Riverside, California | 178 | $ 89,600,000 | $ 503,370 | $ 212,000 |
| San Bernardino, California | 144 | $ 51,710,000 | $ 359,097 | $ 170,000 |
| San Diego, California | 99 | $ 85,445,000 | $ 863,080 | $ 354,000 |
| Ventura, California | 97 | $ 38,385,000 | $ 395,721 | $ 201,000 |
| Santa Barbara, California | 66 | $ 25,840,000 | $ 391,515 | $ 225,000 |
| Santa Clara, California | 57 | $ 76,255,000 | $ 1,337,807 | $ 365,000 |
| Maricopa, Arizona | 38 | $ 8,080,000 | $ 212,631 | $ 227,000 |
| Alameda, California | 33 | $ 18,555,000 | $ 562,272 | $ 268,000 |
| San Mateo, California | 33 | $ 60,675,000 | $ 1,838,636 | $ 520,000 |
| Clark, Nevada | 31 | $ 17,585,000 | $ 567,258 | $ 216,000 |
| Wayne, New York | 25 | $ 2,245,000 | $ 89,800 | $ 81,000 |
| Placer, California | 20 | $ 22,850,000 | $ 1,142,500 | $ 394,000 |
| Pima, Arizona | 19 | $ 2,695,000 | $ 141,842 | $ 111,000 |
| Sacramento, California | 18 | $ 11,770,000 | $ 653,888 | $ 189,000 |
| Mohave, Arizona | 17 | $ 3,445,000 | $ 202,647 | $ 94,000 |
| Kern, California | 17 | $ 3,195,000 | $ 187,941 | $ 129,000 |
| King, Washington | 17 | $ 21,695,000 | $ 1,276,176 | $ 331,000 |
| Contra Costa, California | 15 | $ 18,895,000 | $ 1,259,666 | $ 355,000 |
| Fresno, California | 14 | $ 3,900,000 | $ 278,571 | $ 123,000 |
| San Luis Obispo, California | 13 | $ 9,005,000 | $ 692,692 | $ 191,000 |
| Cook, Illinois | 11 | $ 2,915,000 | $ 265,000 | $ 178,000 |
| El Dorado, California | 10 | $ 14,400,000 | $ 1,440,000 | $ 337,000 |
| San Joaquin, California | 10 | $ 4,140,000 | $ 414,000 | $ 157,000 |
| Palm Beach, Florida | 10 | $ 3,860,000 | $ 386,000 | $ 126,000 |
| Ontario, New York | 10 | $ 1,950,000 | $ 195,000 | $ 141,000 |
| Denton, Texas | 10 | $ 3,010,000 | $ 301,000 | $ 132,000 |
| Stanislaus, California | 9 | $ 6,655,000 | $ 739,444 | $ 169,000 |
| Monterey, California | 8 | $ 7,710,000 | $ 963,750 | $ 217,000 |
| San Francisco, California | 8 | $ 10,330,000 | $ 1,291,250 | $ 413,000 |
| Denver, Colorado | 8 | $ 14,550,000 | $ 1,818,750 | $ 762,000 |
| Morris, New Jersey | 8 | $ 2,430,000 | $ 303,750 | $ 142,000 |
| Marin, California | 7 | $ 8,245,000 | $ 1,177,857 | $ 294,000 |
| Nevada, California | 7 | $ 9,425,000 | $ 1,346,428 | $ 353,000 |
| Hillsborough, Florida | 7 | $ 1,475,000 | $ 210,714 | $ 124,000 |
| Miami-Dade, Florida | 7 | $ 1,135,000 | $ 162,142 | $ 109,000 |
| St. Lucie, Florida | 7 | $ 675,000 | $ 96,428 | $ 60,000 |
| Livingston, New York | 7 | $ 1,105,000 | $ 157,857 | $ 105,000 |
| Williamson, Texas | 7 | $ 3,495,000 | $ 499,285 | $ 206,000 |
| Yavapai, Arizona | 6 | $ 850,000 | $ 141,666 | $ 163,000 |
| El Paso, Colorado | 6 | $ 10,530,000 | $ 1,755,000 | $ 408,000 |
| Broward, Florida | 6 | $ 4,720,000 | $ 786,666 | $ 845,000 |
| Oakland, Michigan | 6 | $ 1,220,000 | $ 203,333 | $ 89,000 |
| Union, New Jersey | 6 | $ 1,830,000 | $ 305,000 | $ 219,000 |
| Harris, Texas | 6 | $ 1,240,000 | $ 206,666 | $ 116,000 |
| Travis, Texas | 6 | $ 3,790,000 | $ 631,666 | $ 279,000 |
| Pinal, Arizona | 5 | $ 635,000 | $ 127,000 | $ 129,000 |
| Napa, California | 5 | $ 4,805,000 | $ 961,000 | $ 232,000 |
| Santa Cruz, California | 5 | $ 2,465,000 | $ 493,000 | $ 189,000 |
| Orange, Florida | 5 | $ 1,075,000 | $ 215,000 | $ 155,000 |
| St. Johns, Florida | 5 | $ 3,155,000 | $ 631,000 | $ 196,000 |
| Essex, New Jersey | 5 | $ 875,000 | $ 175,000 | $ 176,000 |
| Wake, North Carolina | 5 | $ 485,000 | $ 97,000 | $ 95,000 |
| Cuyahoga, Ohio | 5 | $ 645,000 | $ 129,000 | $ 247,000 |
| Mono, California | 4 | $ 5,850,000 | $ 1,462,500 | $ 449,000 |
| Solano, California | 4 | $ 2,250,000 | $ 562,500 | $ 161,000 |
| Tulare, California | 4 | $ 470,000 | $ 117,500 | $ 126,000 |
| New Castle, Delaware | 4 | $ 970,000 | $ 242,500 | $ 162,000 |
| Brevard, Florida | 4 | $ 770,000 | $ 192,500 | $ 112,000 |
| Charlotte, Florida | 4 | $ 1,110,000 | $ 277,500 | $ 123,000 |
| Marion, Florida | 4 | $ 500,000 | $ 125,000 | $ 69,000 |
| Pinellas, Florida | 4 | $ 1,090,000 | $ 272,500 | $ 100,000 |
| Sumter, Florida | 4 | $ 830,000 | $ 207,500 | $ 89,000 |
| Gwinnett, Georgia | 4 | $ 990,000 | $ 247,500 | $ 152,000 |
| Ada, Idaho | 4 | $ 1,070,000 | $ 267,500 | $ 157,000 |
| Montgomery, Maryland | 4 | $ 700,000 | $ 175,000 | $ 104,000 |
| Prince George's, Maryland | 4 | $ 790,000 | $ 197,500 | $ 161,000 |
| Washoe, Nevada | 4 | $ 2,790,000 | $ 697,500 | $ 306,000 |
| Guilford, North Carolina | 4 | $ 590,000 | $ 147,500 | $ 157,000 |
| Multnomah, Oregon | 4 | $ 1,960,000 | $ 490,000 | $ 380,000 |
| Dallas, Texas | 4 | $ 1,760,000 | $ 440,000 | $ 170,000 |
| Fort Bend, Texas | 4 | $ 970,000 | $ 242,500 | $ 154,000 |
| Tarrant, Texas | 4 | $ 1,660,000 | $ 415,000 | $ 183,000 |
| Fairfax, Virginia | 4 | $ 990,000 | $ 247,500 | $ 123,000 |
| Butte, California | 3 | $ 1,045,000 | $ 348,333 | $ 106,000 |
| San Benito, California | 3 | $ 2,915,000 | $ 971,666 | $ 318,000 |
| Sonoma, California | 3 | $ 1,835,000 | $ 611,666 | $ 210,000 |
| Arapahoe, Colorado | 3 | $ 455,000 | $ 151,666 | $ 181,000 |
| Larimer, Colorado | 3 | $ 195,000 | $ 65,000 | $ 131,000 |
| Fairfield, Connecticut | 3 | $ 375,000 | $ 125,000 | $ 139,000 |
| New Haven, Connecticut | 3 | $ 655,000 | $ 218,333 | $ 76,000 |
| District of Columbia, District Of Columbia | 3 | $ 2,775,000 | $ 925,000 | $ 186,000 |
| Collier, Florida | 3 | $ 1,425,000 | $ 475,000 | $ 164,000 |
| Manatee, Florida | 3 | $ 565,000 | $ 188,333 | $ 141,000 |
| Martin, Florida | 3 | $ 185,000 | $ 61,666 | $ 76,000 |
| Sarasota, Florida | 3 | $ 585,000 | $ 195,000 | $ 110,000 |
| Cobb, Georgia | 3 | $ 825,000 | $ 275,000 | $ 118,000 |
| DeKalb, Georgia | 3 | $ 515,000 | $ 171,666 | $ 80,000 |
| Kauai, Hawaii | 3 | $ 7,695,000 | $ 2,565,000 | $ 439,000 |
| Lake, Illinois | 3 | $ 305,000 | $ 101,666 | $ 205,000 |
| St. Joseph, Indiana | 3 | $ 265,000 | $ 88,333 | $ 147,000 |
| Kent, Michigan | 3 | $ 315,000 | $ 105,000 | $ 147,000 |
| Bernalillo, New Mexico | 3 | $ 795,000 | $ 265,000 | $ 216,000 |
| Kings, New York | 3 | $ 2,035,000 | $ 678,333 | $ 177,000 |
| Suffolk, New York | 3 | $ 3,415,000 | $ 1,138,333 | $ 237,000 |
| Johnston, North Carolina | 3 | $ 2,085,000 | $ 695,000 | $ 230,000 |
| Mecklenburg, North Carolina | 3 | $ 355,000 | $ 118,333 | $ 85,000 |
| Lucas, Ohio | 3 | $ 255,000 | $ 85,000 | $ 72,000 |
| Summit, Ohio | 3 | $ 375,000 | $ 125,000 | $ 84,000 |
| Tulsa, Oklahoma | 3 | $ 565,000 | $ 188,333 | $ 103,000 |
| Clackamas, Oregon | 3 | $ 2,375,000 | $ 791,666 | $ 315,000 |
| Cumberland, Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 83,000 |
| Shelby, Tennessee | 3 | $ 265,000 | $ 88,333 | $ 135,000 |
| Cameron, Texas | 3 | $ 495,000 | $ 165,000 | $ 48,000 |
| Salt Lake, Utah | 3 | $ 2,425,000 | $ 808,333 | $ 251,000 |
| Wasatch, Utah | 3 | $ 10,515,000 | $ 3,505,000 | $ 1,202,000 |
| Washington, Utah | 3 | $ 1,145,000 | $ 381,666 | $ 92,000 |
| Loudoun, Virginia | 3 | $ 1,225,000 | $ 408,333 | $ 166,000 |
| Baldwin, Alabama | 2 | $ 170,000 | $ 85,000 | $ 35,000 |
| Madison, Alabama | 2 | $ 380,000 | $ 190,000 | $ 109,000 |
| Coconino, Arizona | 2 | $ 1,310,000 | $ 655,000 | $ 219,000 |
| Navajo, Arizona | 2 | $ 130,000 | $ 65,000 | $ 44,000 |
| Imperial, California | 2 | $ 350,000 | $ 175,000 | $ 157,000 |
| Madera, California | 2 | $ 210,000 | $ 105,000 | $ 214,000 |
| Shasta, California | 2 | $ 990,000 | $ 495,000 | $ 154,000 |
| Tuolumne, California | 2 | $ 1,180,000 | $ 590,000 | $ 184,000 |
| Adams, Colorado | 2 | $ 500,000 | $ 250,000 | $ 149,000 |
| Douglas, Colorado | 2 | $ 750,000 | $ 375,000 | $ 241,000 |
| Weld, Colorado | 2 | $ 400,000 | $ 200,000 | $ 139,000 |
| Bay, Florida | 2 | $ 480,000 | $ 240,000 | $ 80,000 |
| Citrus, Florida | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Lake, Florida | 2 | $ 330,000 | $ 165,000 | $ 104,000 |
| Lee, Florida | 2 | $ 60,000 | $ 30,000 | $ 86,000 |
| Levy, Florida | 2 | $ 460,000 | $ 230,000 | $ 50,000 |
| Forsyth, Georgia | 2 | $ 810,000 | $ 405,000 | $ 156,000 |
| Honolulu, Hawaii | 2 | $ 1,930,000 | $ 965,000 | $ 478,000 |
| Gem, Idaho | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Will, Illinois | 2 | $ 90,000 | $ 45,000 | $ 85,000 |
| Graves, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 56,000 |
| Wayne, Michigan | 2 | $ 70,000 | $ 35,000 | $ 39,000 |
| Flathead, Montana | 2 | $ 2,410,000 | $ 1,205,000 | $ 307,000 |
| Bergen, New Jersey | 2 | $ 1,150,000 | $ 575,000 | $ 254,000 |
| Burlington, New Jersey | 2 | $ 190,000 | $ 95,000 | $ 166,000 |
| Mercer, New Jersey | 2 | $ 220,000 | $ 110,000 | $ 346,000 |
| Bronx, New York | 2 | $ 50,000 | $ 25,000 | $ 82,000 |
| Erie, New York | 2 | $ 240,000 | $ 120,000 | $ 156,000 |
| Genesee, New York | 2 | $ 140,000 | $ 70,000 | $ 99,000 |
| Nassau, New York | 2 | $ 610,000 | $ 305,000 | $ 140,000 |
| Orleans, New York | 2 | $ 410,000 | $ 205,000 | $ 64,000 |
| Queens, New York | 2 | $ 890,000 | $ 445,000 | $ 128,000 |
| Durham, North Carolina | 2 | $ 180,000 | $ 90,000 | $ 120,000 |
| Pender, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 103,000 |
| Geauga, Ohio | 2 | $ 130,000 | $ 65,000 | $ 56,000 |
| Lake, Ohio | 2 | $ 300,000 | $ 150,000 | $ 177,000 |
| Payne, Oklahoma | 2 | $ 740,000 | $ 370,000 | $ 99,000 |
| Coos, Oregon | 2 | $ 460,000 | $ 230,000 | $ 70,000 |
| Deschutes, Oregon | 2 | $ 1,000,000 | $ 500,000 | $ 143,000 |
| Klamath, Oregon | 2 | $ 510,000 | $ 255,000 | $ 204,000 |
| Lane, Oregon | 2 | $ 680,000 | $ 340,000 | $ 162,000 |
| Berks, Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 131,000 |
| Davidson, Tennessee | 2 | $ 400,000 | $ 200,000 | $ 222,000 |
| Montgomery, Tennessee | 2 | $ 630,000 | $ 315,000 | $ 182,000 |
| Sevier, Tennessee | 2 | $ 780,000 | $ 390,000 | $ 121,000 |
| Williamson, Tennessee | 2 | $ 1,300,000 | $ 650,000 | $ 338,000 |
| Collin, Texas | 2 | $ 370,000 | $ 185,000 | $ 145,000 |
| Hays, Texas | 2 | $ 1,070,000 | $ 535,000 | $ 384,000 |
| Montgomery, Texas | 2 | $ 660,000 | $ 330,000 | $ 102,000 |
| Clark, Washington | 2 | $ 980,000 | $ 490,000 | $ 184,000 |
| Monongalia, West Virginia | 2 | $ 170,000 | $ 85,000 | $ 178,000 |
| St. Clair, Alabama | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Kenai Peninsula, Alaska | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cochise, Arizona | 1 | $ 205,000 | $ 205,000 | $ 112,000 |
| Gila, Arizona | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Graham, Arizona | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Santa Cruz, Arizona | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Yuma, Arizona | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Baxter, Arkansas | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Benton, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Lonoke, Arkansas | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Pulaski, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Amador, California | 1 | $ 725,000 | $ 725,000 | $ 122,000 |
| Calaveras, California | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Del Norte, California | 1 | $ 805,000 | $ 805,000 | $ 131,000 |
| Lake, California | 1 | $ 365,000 | $ 365,000 | $ 92,000 |
| Merced, California | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Sutter, California | 1 | $ 2,255,000 | $ 2,255,000 | $ 415,000 |
| Yolo, California | 1 | $ 1,165,000 | $ 1,165,000 | $ 231,000 |
| Chaffee, Colorado | 1 | $ 25,000 | $ 25,000 | $ 133,000 |
| Delta, Colorado | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Fremont, Colorado | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Jefferson, Colorado | 1 | $ 55,000 | $ 55,000 | $ 171,000 |
| Montrose, Colorado | 1 | $ 1,375,000 | $ 1,375,000 | $ 348,000 |
| Routt, Colorado | 1 | $ 665,000 | $ 665,000 | $ 165,000 |
| Summit, Colorado | 1 | $ 3,005,000 | $ 3,005,000 | $ 2,055,000 |
| Teller, Colorado | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Hartford, Connecticut | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Litchfield, Connecticut | 1 | $ 1,005,000 | $ 1,005,000 | $ 324,000 |
| Clay, Florida | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Polk, Florida | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Santa Rosa, Florida | 1 | $ 115,000 | $ 115,000 | $ 129,000 |
| Walton, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 843,000 |
| Cherokee, Georgia | 1 | $ 295,000 | $ 295,000 | $ 34,000 |
| Columbia, Georgia | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Fulton, Georgia | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Newton, Georgia | 1 | $ 285,000 | $ 285,000 | $ 64,000 |
| Oglethorpe, Georgia | 1 | $ 2,005,000 | $ 2,005,000 | $ 700,000 |
| Whitfield, Georgia | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Maui, Hawaii | 1 | $ 2,375,000 | $ 2,375,000 | $ 650,000 |
| Canyon, Idaho | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Twin Falls, Idaho | 1 | $ 505,000 | $ 505,000 | $ 244,000 |
| Valley, Idaho | 1 | $ 515,000 | $ 515,000 | $ 206,000 |
| Lee, Illinois | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Madison, Illinois | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Clark, Indiana | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Hamilton, Indiana | 1 | $ 3,165,000 | $ 3,165,000 | $ 661,000 |
| Marion, Indiana | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| White, Indiana | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Buena Vista, Iowa | 1 | $ 5,000 | $ 5,000 | $ 52,000 |
| Story, Iowa | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Washington, Iowa | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Geary, Kansas | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Marshall, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 200,000 |
| Cumberland, Maine | 1 | $ 155,000 | $ 155,000 | $ 200,000 |
| Anne Arundel, Maryland | 1 | $ 105,000 | $ 105,000 | $ 353,000 |
| Baltimore City, Maryland | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| Carroll, Maryland | 1 | $ 245,000 | $ 245,000 | $ 165,000 |
| Frederick, Maryland | 1 | $ 265,000 | $ 265,000 | $ 46,000 |
| Howard, Maryland | 1 | $ 125,000 | $ 125,000 | $ 236,000 |
| Queen Anne's, Maryland | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Wicomico, Maryland | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Barnstable, Massachusetts | 1 | $ 575,000 | $ 575,000 | $ 142,000 |
| Berkshire, Massachusetts | 1 | $ 325,000 | $ 325,000 | $ 253,000 |
| Essex, Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 121,000 |
| Allegan, Michigan | 1 | $ 335,000 | $ 335,000 | $ 260,000 |
| Benzie, Michigan | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Cass, Michigan | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Grand Traverse, Michigan | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Lapeer, Michigan | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Macomb, Michigan | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Van Buren, Michigan | 1 | $ 225,000 | $ 225,000 | $ 260,000 |
| Anoka, Minnesota | 1 | $ 35,000 | $ 35,000 | $ 77,000 |
| Cottonwood, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Lauderdale, Mississippi | 1 | $ 235,000 | $ 235,000 | $ 174,000 |
| Cape Girardeau, Missouri | 1 | $ 35,000 | $ 35,000 | $ 146,000 |
| Jackson, Missouri | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Platte, Missouri | 1 | $ 405,000 | $ 405,000 | $ 336,000 |
| Sullivan, Missouri | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Jefferson, Montana | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Silver Bow, Montana | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Yellowstone, Montana | 1 | $ 395,000 | $ 395,000 | $ 424,000 |
| Douglas, Nevada | 1 | $ 4,505,000 | $ 4,505,000 | $ 1,320,000 |
| Nye, Nevada | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Carroll, New Hampshire | 1 | $ 2,325,000 | $ 2,325,000 | $ 762,000 |
| Middlesex, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Ocean, New Jersey | 1 | $ 155,000 | $ 155,000 | $ 175,000 |
| Sussex, New Jersey | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Colfax, New Mexico | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Dona Ana, New Mexico | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Lea, New Mexico | 1 | $ 95,000 | $ 95,000 | $ 172,000 |
| Cayuga, New York | 1 | $ 25,000 | $ 25,000 | $ 155,000 |
| Orange, New York | 1 | $ 445,000 | $ 445,000 | $ 174,000 |
| Schuyler, New York | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Steuben, New York | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Sullivan, New York | 1 | $ 35,000 | $ 35,000 | $ 50,000 |
| Wyoming, New York | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Davidson, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Franklin, North Carolina | 1 | $ 365,000 | $ 365,000 | $ 132,000 |
| Henderson, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 46,000 |
| Randolph, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Allen, Ohio | 1 | $ 35,000 | $ 35,000 | $ 174,000 |
| Franklin, Ohio | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| Jackson, Ohio | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Jefferson, Ohio | 1 | $ 45,000 | $ 45,000 | $ 105,000 |
| Trumbull, Ohio | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Douglas, Oregon | 1 | $ 425,000 | $ 425,000 | $ 94,000 |
| Washington, Oregon | 1 | $ 615,000 | $ 615,000 | $ 175,000 |
| Allegheny, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Carbon, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Chester, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Dauphin, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Lancaster, Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Lehigh, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Monroe, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 139,000 |
| Philadelphia, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Washington, Rhode Island | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Anderson, South Carolina | 1 | $ 645,000 | $ 645,000 | $ 195,000 |
| Beaufort, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Darlington, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| Kershaw, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Lexington, South Carolina | 1 | $ 405,000 | $ 405,000 | $ 159,000 |
| Custer, South Dakota | 1 | $ 295,000 | $ 295,000 | $ 125,000 |
| Campbell, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Cocke, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Maury, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| Rutherford, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 380,000 |
| Wilson, Tennessee | 1 | $ 535,000 | $ 535,000 | $ 180,000 |
| Bexar, Texas | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Brazoria, Texas | 1 | $ 325,000 | $ 325,000 | $ 43,000 |
| Clay, Texas | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| El Paso, Texas | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Galveston, Texas | 1 | $ 505,000 | $ 505,000 | $ 262,000 |
| Hidalgo, Texas | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Rockwall, Texas | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Victoria, Texas | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Tooele, Utah | 1 | $ 435,000 | $ 435,000 | $ 100,000 |
| Utah, Utah | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Halifax, Virginia | 1 | $ 85,000 | $ 85,000 | $ 142,000 |
| King George, Virginia | 1 | $ 55,000 | $ 55,000 | $ 274,000 |
| Norfolk, Virginia | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Portsmouth, Virginia | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Prince William, Virginia | 1 | $ 25,000 | $ 25,000 | $ 156,000 |
| Kittitas, Washington | 1 | $ 1,445,000 | $ 1,445,000 | $ 651,000 |
| Pierce, Washington | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Spokane, Washington | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Whatcom, Washington | 1 | $ 215,000 | $ 215,000 | $ 196,000 |
| Jefferson, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Marathon, Wisconsin | 1 | $ 375,000 | $ 375,000 | $ 216,000 |
| Racine, Wisconsin | 1 | $ 505,000 | $ 505,000 | $ 407,000 |
Mortgage Loan Application Detail Totals for Kinecta Federal Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 2,109 | $547,465,000 | $259,000 | $8,305,000 | $158,000 | $4,693,000 |
| Home Purchase | 1,159 | $1,233,065,000 | $1,063,000 | $7,965,000 | $305,000 | $6,904,000 |
| Refinancing | 771 | $218,135,000 | $282,000 | $5,475,000 | $168,000 | $3,657,000 |
| Home Improvement | 1 | $205,000 | $205,000 | $205,000 | $204,000 | $204,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,859 | $1,008,565,000 | $542,000 | $5,005,000 | $226,000 | $4,693,000 |
| Hispanic | 726 | $221,720,000 | $305,000 | $3,005,000 | $147,000 | $4,354,000 |
| Not Provided | 562 | $315,140,000 | $560,000 | $5,005,000 | $229,000 | $6,904,000 |
| Asian | 441 | $252,045,000 | $571,000 | $4,005,000 | $219,000 | $3,098,000 |
| Black or African American | 338 | $93,090,000 | $275,000 | $4,005,000 | $133,000 | $1,387,000 |
| American Indian or Alaskan Native | 26 | $6,010,000 | $231,000 | $725,000 | $143,000 | $430,000 |
| Not applicable | 26 | $80,220,000 | $3,085,000 | $8,305,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 14 | $6,380,000 | $455,000 | $2,305,000 | $180,000 | $488,000 |
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) | 3,972 | $1,977,240,000 | $497,000 | $8,305,000 | $204,000 | $6,904,000 |
| FHA-insured (Federal Housing Administration) | 62 | $19,050,000 | $307,000 | $855,000 | $84,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 6 | $2,580,000 | $430,000 | $665,000 | $121,000 | $222,000 |
| 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 | 2,661 | $1,315,175,000 | $494,000 | $7,965,000 | $210,000 | $6,904,000 |
| Application Withdrawn By Applicant | 483 | $224,525,000 | $464,000 | $5,835,000 | $199,000 | $4,693,000 |
| Application Denied By Financial Institution | 428 | $180,900,000 | $422,000 | $5,385,000 | $173,000 | $3,657,000 |
| Preapproval Approved but not Accepted | 187 | $128,405,000 | $686,000 | $3,705,000 | $180,000 | $760,000 |
| File Closed For Incompleteness | 181 | $88,305,000 | $487,000 | $5,005,000 | $222,000 | $3,098,000 |
| Preapproval Denied by Financial Institution | 66 | $40,040,000 | $606,000 | $1,605,000 | $113,000 | $405,000 |
| Application Approved But Not Accepted | 34 | $21,520,000 | $632,000 | $8,305,000 | $183,000 | $848,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,546 | $1,777,930,000 | $501,000 | $8,305,000 | $207,000 | $6,904,000 |
| Debt-To-Income Ratio | 220 | $110,770,000 | $503,000 | $5,005,000 | $118,000 | $964,000 |
| Credit History | 86 | $17,140,000 | $199,000 | $5,385,000 | $108,000 | $442,000 |
| Collateral | 76 | $45,750,000 | $601,000 | $3,605,000 | $228,000 | $2,211,000 |
| Unverifiable Information | 61 | $26,925,000 | $441,000 | $3,005,000 | $228,000 | $3,657,000 |
| Other | 41 | $16,665,000 | $406,000 | $3,155,000 | $316,000 | $1,317,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,685,000 | $537,000 | $635,000 | $116,000 | $159,000 |
| Credit Application Incomplete | 5 | $1,005,000 | $201,000 | $755,000 | $291,000 | $612,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kinecta Federal Credit Union's 2022 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.
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