Kinecta Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Kinecta Federal Credit Union of Manhattan Beach, CA reported 2,358 mortgage applications totaling $608.7 million, down 2% from 2024. The average application was for $258,134, and applicants reported an average income of $185,275. 65% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (957), Anaheim-Santa Ana-Irvine, CA (241) and Rochester, NY (166) (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 | 2,358 |
| Total Mortgage Loan Application Amount | $608,680,000 |
| Average Mortgage Loan Application Amount | $258,134 |
| Highest Mortgage Loan Application Amount | $2,945,000 |
| Average Applicant Income | $185,275 |
| Highest Applicant Income | $4,877,000 |
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records Kinecta Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 957 | $ 244,445,000 | $ 255,428 | $ 190,000 |
| Anaheim-Santa Ana-Irvine, CA | 241 | $ 70,365,000 | $ 291,970 | $ 229,000 |
| Outside any metro area | 232 | $ 102,300,000 | $ 440,948 | $ 156,224 |
| Rochester, NY | 166 | $ 19,010,000 | $ 114,518 | $ 102,000 |
| Riverside-San Bernardino-Ontario, CA | 154 | $ 28,470,000 | $ 184,870 | $ 152,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 61 | $ 15,145,000 | $ 248,278 | $ 195,000 |
| San Diego-Carlsbad, CA | 51 | $ 20,125,000 | $ 394,607 | $ 204,000 |
| Santa Maria-Santa Barbara, CA | 46 | $ 16,840,000 | $ 366,086 | $ 231,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 24 | $ 4,150,000 | $ 172,916 | $ 219,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 22 | $ 6,570,000 | $ 298,636 | $ 250,000 |
| Las Vegas-Henderson-Paradise, NV | 17 | $ 2,735,000 | $ 160,882 | $ 353,000 |
| Oakland-Hayward-Berkeley, CA | 16 | $ 5,570,000 | $ 348,125 | $ 270,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 2,820,000 | $ 176,250 | $ 109,000 |
| Chicago-Naperville, IL | 14 | $ 2,570,000 | $ 183,571 | $ 132,000 |
| San Francisco-Redwood City-South San Francisco, CA | 14 | $ 5,010,000 | $ 357,857 | $ 407,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 12 | $ 2,890,000 | $ 240,833 | $ 187,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 2,895,000 | $ 263,181 | $ 187,545 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 1,260,000 | $ 126,000 | $ 120,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 1,175,000 | $ 130,555 | $ 122,000 |
| Arlington-Alexandria-Reston, VA-WV | 8 | $ 2,200,000 | $ 275,000 | $ 169,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 1,330,000 | $ 166,250 | $ 134,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,005,000 | $ 143,571 | $ 84,000 |
| Newark, NJ-PA | 7 | $ 935,000 | $ 133,571 | $ 156,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 2,245,000 | $ 320,714 | $ 298,000 |
| Stockton-Lodi, CA | 7 | $ 985,000 | $ 140,714 | $ 132,000 |
| Washington, DC-MD | 7 | $ 975,000 | $ 139,285 | $ 168,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,530,000 | $ 255,000 | $ 194,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,550,000 | $ 258,333 | $ 113,000 |
| Lakewood-New Brunswick, NJ | 6 | $ 630,000 | $ 105,000 | $ 146,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 1,660,000 | $ 276,666 | $ 208,000 |
| Tucson, AZ | 6 | $ 420,000 | $ 70,000 | $ 116,000 |
| Fresno, CA | 5 | $ 1,095,000 | $ 219,000 | $ 155,000 |
| Marietta, GA | 5 | $ 1,235,000 | $ 247,000 | $ 150,000 |
| Salt Lake City, UT | 5 | $ 655,000 | $ 131,000 | $ 774,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 565,000 | $ 113,000 | $ 96,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 2,330,000 | $ 582,500 | $ 182,000 |
| Boise City, ID | 4 | $ 620,000 | $ 155,000 | $ 132,000 |
| Chattanooga, TN-GA | 4 | $ 410,000 | $ 102,500 | $ 179,000 |
| Kansas City, MO-KS | 4 | $ 1,060,000 | $ 265,000 | $ 195,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,140,000 | $ 285,000 | $ 160,000 |
| Napa, CA | 4 | $ 1,020,000 | $ 255,000 | $ 260,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 800,000 | $ 200,000 | $ 176,500 |
| Port St. Lucie, FL | 4 | $ 980,000 | $ 245,000 | $ 172,000 |
| Reno, NV | 4 | $ 290,000 | $ 72,500 | $ 176,000 |
| San Rafael, CA | 4 | $ 2,180,000 | $ 545,000 | $ 451,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 1,160,000 | $ 290,000 | $ 1,361,000 |
| St. George, UT | 4 | $ 1,080,000 | $ 270,000 | $ 148,000 |
| Tacoma-Lakewood, WA | 4 | $ 830,000 | $ 207,500 | $ 184,000 |
| Austin-Round Rock, TX | 3 | $ 695,000 | $ 231,666 | $ 126,000 |
| Bakersfield, CA | 3 | $ 265,000 | $ 88,333 | $ 99,000 |
| Charleston-North Charleston, SC | 3 | $ 255,000 | $ 85,000 | $ 107,000 |
| Cleveland, OH | 3 | $ 525,000 | $ 175,000 | $ 60,000 |
| Everett, WA | 3 | $ 935,000 | $ 311,666 | $ 660,000 |
| Fort Collins, CO | 3 | $ 715,000 | $ 238,333 | $ 151,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 505,000 | $ 168,333 | $ 91,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 315,000 | $ 105,000 | $ 118,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 815,000 | $ 271,666 | $ 128,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 515,000 | $ 171,666 | $ 121,000 |
| Nassau County-Suffolk County, NY | 3 | $ 555,000 | $ 185,000 | $ 179,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 785,000 | $ 261,666 | $ 94,000 |
| Salinas, CA | 3 | $ 385,000 | $ 128,333 | $ 109,000 |
| Albuquerque, NM | 2 | $ 240,000 | $ 120,000 | $ 237,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 350,000 | $ 175,000 | $ 343,000 |
| Chico, CA | 2 | $ 200,000 | $ 100,000 | $ 100,000 |
| Columbus, OH | 2 | $ 480,000 | $ 240,000 | $ 122,000 |
| Fort Worth-Arlington, TX | 2 | $ 190,000 | $ 95,000 | $ 51,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 310,000 | $ 155,000 | $ 117,000 |
| Merced, CA | 2 | $ 170,000 | $ 85,000 | $ 76,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 350,000 | $ 175,000 | $ 135,000 |
| Modesto, CA | 2 | $ 400,000 | $ 200,000 | $ 183,000 |
| New Haven-Milford, CT | 2 | $ 190,000 | $ 95,000 | $ 116,000 |
| Oklahoma City, OK | 2 | $ 380,000 | $ 190,000 | $ 216,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 470,000 | $ 235,000 | $ 238,000 |
| Philadelphia, PA | 2 | $ 200,000 | $ 100,000 | $ 90,000 |
| Punta Gorda, FL | 2 | $ 170,000 | $ 85,000 | $ 72,000 |
| Salem, OR | 2 | $ 130,000 | $ 65,000 | $ 87,000 |
| Spokane-Spokane Valley, WA | 2 | $ 570,000 | $ 285,000 | $ 187,000 |
| Tampa, FL | 2 | $ 250,000 | $ 125,000 | $ 209,000 |
| Visalia-Porterville, CA | 2 | $ 340,000 | $ 170,000 | $ 172,000 |
| Winston-Salem, NC | 2 | $ 380,000 | $ 190,000 | $ 112,000 |
| Akron, OH | 1 | $ 85,000 | $ 85,000 | $ 152,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Asheville, NC | 1 | $ 65,000 | $ 65,000 | $ 148,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Bend-Redmond, OR | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Binghamton, NY | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Birmingham-Hoover, AL | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Boulder, CO | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 265,000 | $ 265,000 | $ 225,000 |
| Camden, NJ | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Charlottesville, VA | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Cincinnati, OH-KY-IN | 1 | $ 105,000 | $ 105,000 | $ 158,000 |
| Columbia, SC | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Des Moines-West Des Moines, IA | 1 | $ 75,000 | $ 75,000 | $ 147,000 |
| El Centro, CA | 1 | $ 575,000 | $ 575,000 | $ 242,000 |
| Elgin, IL | 1 | $ 155,000 | $ 155,000 | $ 293,000 |
| Grand Junction, CO | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| Greeley, CO | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 205,000 | $ 205,000 | $ 294,000 |
| Hinesville, GA | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Homosassa Springs, FL | 1 | $ 105,000 | $ 105,000 | $ 67,000 |
| Ithaca, NY | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Johnstown, PA | 1 | $ 55,000 | $ 55,000 | $ 112,000 |
| Kennewick-Richland, WA | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Knoxville, TN | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Laredo, TX | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Lebanon, PA | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Lexington-Fayette, KY | 1 | $ 565,000 | $ 565,000 | $ 814,000 |
| Longview, WA | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 395,000 | $ 395,000 | $ 185,000 |
| Ocala, FL | 1 | $ 365,000 | $ 365,000 | $ 73,000 |
| Olympia-Tumwater, WA | 1 | $ 375,000 | $ 375,000 | $ 55,000 |
| Pittsburgh, PA | 1 | $ 215,000 | $ 215,000 | $ 264,000 |
| Providence-Warwick, RI-MA | 1 | $ 665,000 | $ 665,000 | $ 158,000 |
| Provo-Orem, UT | 1 | $ 305,000 | $ 305,000 | $ 140,000 |
| Raleigh, NC | 1 | $ 195,000 | $ 195,000 | $ 112,000 |
| Richmond, VA | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Rockford, IL | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Rockingham County-Strafford County, NH | 1 | $ 345,000 | $ 345,000 | $ 151,000 |
| San Antonio-New Braunfels, TX | 1 | $ 65,000 | $ 65,000 | $ 125,000 |
| Spartanburg, SC | 1 | $ 205,000 | $ 205,000 | $ 231,000 |
| Springfield, IL | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| St. Louis, MO-IL | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Staunton-Waynesboro, VA | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Vallejo-Fairfield, CA | 1 | $ 75,000 | $ 75,000 | $ 200,000 |
| Vineland-Bridgeton, NJ | 1 | $ 55,000 | $ 55,000 | $ 118,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Waterbury-Shelton, CT | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Wichita, KS | 1 | $ 85,000 | $ 85,000 | $ 173,000 |
| Wildwood-The Villages, FL | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Kinecta 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,426 | $292,490,000 | $205,000 | $1,235,000 | $195,000 | $4,877,000 |
| Refinancing | 619 | $152,385,000 | $246,000 | $2,855,000 | $162,000 | $1,287,000 |
| Home Purchase | 313 | $163,805,000 | $523,000 | $2,945,000 | $187,000 | $2,496,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 950 | $243,920,000 | $256,000 | $2,945,000 | $191,000 | $4,877,000 |
| Not Provided | 493 | $133,765,000 | $271,000 | $1,835,000 | $191,000 | $1,686,000 |
| Hispanic | 460 | $109,010,000 | $236,000 | $1,155,000 | $169,000 | $3,182,000 |
| Asian | 246 | $84,090,000 | $341,000 | $2,855,000 | $224,000 | $1,287,000 |
| Black or African American | 185 | $33,485,000 | $181,000 | $1,145,000 | $138,000 | $669,000 |
| American Indian or Alaskan Native | 16 | $2,970,000 | $185,000 | $395,000 | $114,000 | $333,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,440,000 | $180,000 | $385,000 | $147,000 | $203,000 |
| 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) | 2,324 | $593,330,000 | $255,000 | $2,945,000 | $186,000 | $4,877,000 |
| FHA-insured (Federal Housing Administration) | 30 | $13,880,000 | $462,000 | $995,000 | $123,000 | $230,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,470,000 | $367,000 | $545,000 | $109,000 | $191,000 |
| 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 | 1,523 | $374,385,000 | $245,000 | $2,945,000 | $196,000 | $2,496,000 |
| Application Withdrawn By Applicant | 264 | $57,300,000 | $217,000 | $1,155,000 | $193,000 | $4,877,000 |
| Application Denied By Financial Institution | 210 | $47,080,000 | $224,000 | $1,655,000 | $141,000 | $1,200,000 |
| File Closed For Incompleteness | 169 | $32,405,000 | $191,000 | $805,000 | $156,000 | $611,000 |
| Preapproval Approved but not Accepted | 155 | $79,855,000 | $515,000 | $1,505,000 | $172,000 | $660,000 |
| Preapproval Denied by Financial Institution | 23 | $14,765,000 | $641,000 | $1,835,000 | $146,000 | $510,000 |
| Application Approved But Not Accepted | 14 | $2,890,000 | $206,000 | $505,000 | $145,000 | $395,000 |
| 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 | 2,125 | $546,835,000 | $257,000 | $2,945,000 | $190,000 | $4,877,000 |
| Debt-To-Income Ratio | 129 | $39,395,000 | $305,000 | $1,835,000 | $111,000 | $427,000 |
| Credit History | 38 | $5,100,000 | $134,000 | $585,000 | $128,000 | $669,000 |
| Unverifiable Information | 24 | $6,110,000 | $254,000 | $1,185,000 | $200,000 | $510,000 |
| Collateral | 18 | $4,840,000 | $268,000 | $1,655,000 | $254,000 | $1,200,000 |
| Other | 18 | $3,770,000 | $209,000 | $635,000 | $182,000 | $586,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,630,000 | $438,000 | $1,375,000 | $181,000 | $377,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kinecta 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 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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