Kinecta Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Kinecta Federal Credit Union of Manhattan Beach, CA reported 2,410 mortgage applications totaling $858.1 million, down 17% from 2023. The average application was for $356,045, and applicants reported an average income of $209,617. 68% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,033), Anaheim-Santa Ana-Irvine, CA (237) and Rochester, NY (182) (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 | 2,410 |
| Total Mortgage Loan Application Amount | $858,070,000 |
| Average Mortgage Loan Application Amount | $356,045 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $209,617 |
| Highest Applicant Income | $6,058,000 |
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records Kinecta Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,033 | $ 309,885,000 | $ 299,985 | $ 201,000 |
| Anaheim-Santa Ana-Irvine, CA | 237 | $ 109,495,000 | $ 462,004 | $ 292,000 |
| Outside any metro area | 204 | $ 133,370,000 | $ 653,774 | $ 227,059 |
| Rochester, NY | 182 | $ 22,440,000 | $ 123,296 | $ 96,000 |
| Riverside-San Bernardino-Ontario, CA | 165 | $ 43,545,000 | $ 263,909 | $ 180,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 66 | $ 19,430,000 | $ 294,393 | $ 210,000 |
| Santa Maria-Santa Barbara, CA | 61 | $ 18,305,000 | $ 300,081 | $ 198,000 |
| San Diego-Carlsbad, CA | 44 | $ 19,300,000 | $ 438,636 | $ 226,000 |
| Oakland-Hayward-Berkeley, CA | 25 | $ 18,125,000 | $ 725,000 | $ 343,000 |
| Phoenix-Mesa-Scottsdale, AZ | 23 | $ 10,485,000 | $ 455,869 | $ 197,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 22 | $ 21,540,000 | $ 979,090 | $ 385,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 20 | $ 17,320,000 | $ 866,000 | $ 327,000 |
| San Francisco-Redwood City-South San Francisco, CA | 17 | $ 17,235,000 | $ 1,013,823 | $ 430,000 |
| Seattle-Bellevue-Everett, WA | 13 | $ 25,175,000 | $ 1,936,538 | $ 752,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 11 | $ 2,075,000 | $ 188,636 | $ 197,000 |
| Fresno, CA | 10 | $ 1,400,000 | $ 140,000 | $ 151,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 1,580,000 | $ 158,000 | $ 160,000 |
| Bakersfield, CA | 9 | $ 1,445,000 | $ 160,555 | $ 140,000 |
| Denver-Aurora-Lakewood, CO | 9 | $ 3,555,000 | $ 395,000 | $ 292,000 |
| Newark, NJ-PA | 9 | $ 1,135,000 | $ 126,111 | $ 171,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 4,500,000 | $ 562,500 | $ 169,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,320,000 | $ 165,000 | $ 165,000 |
| Arlington-Alexandria-Reston, VA-WV | 7 | $ 755,000 | $ 107,857 | $ 129,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 1,065,000 | $ 152,142 | $ 206,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 3,425,000 | $ 489,285 | $ 264,571 |
| Cleveland, OH | 6 | $ 1,120,000 | $ 186,666 | $ 106,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,580,000 | $ 263,333 | $ 206,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,050,000 | $ 175,000 | $ 185,000 |
| Chicago-Naperville, IL | 5 | $ 675,000 | $ 135,000 | $ 162,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,155,000 | $ 231,000 | $ 151,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 725,000 | $ 145,000 | $ 112,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,510,000 | $ 377,500 | $ 229,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 420,000 | $ 105,000 | $ 104,000 |
| Fort Collins, CO | 4 | $ 760,000 | $ 190,000 | $ 122,000 |
| Modesto, CA | 4 | $ 1,240,000 | $ 310,000 | $ 177,000 |
| Prescott Valley-Prescott, AZ | 4 | $ 700,000 | $ 175,000 | $ 137,000 |
| Springfield, MO | 4 | $ 380,000 | $ 95,000 | $ 66,000 |
| Tacoma-Lakewood, WA | 4 | $ 2,240,000 | $ 560,000 | $ 273,000 |
| Tucson, AZ | 4 | $ 670,000 | $ 167,500 | $ 164,000 |
| Washington, DC-MD | 4 | $ 390,000 | $ 97,500 | $ 125,000 |
| Austin-Round Rock, TX | 3 | $ 615,000 | $ 205,000 | $ 86,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 675,000 | $ 225,000 | $ 263,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 325,000 | $ 108,333 | $ 92,000 |
| Columbus, OH | 3 | $ 525,000 | $ 175,000 | $ 152,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,425,000 | $ 475,000 | $ 150,000 |
| Lakewood-New Brunswick, NJ | 3 | $ 705,000 | $ 235,000 | $ 147,000 |
| Nassau County-Suffolk County, NY | 3 | $ 715,000 | $ 238,333 | $ 180,000 |
| Ocala, FL | 3 | $ 235,000 | $ 78,333 | $ 72,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 905,000 | $ 301,666 | $ 143,000 |
| Reading, PA | 3 | $ 505,000 | $ 168,333 | $ 85,000 |
| Santa Rosa, CA | 3 | $ 3,895,000 | $ 1,298,333 | $ 623,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 485,000 | $ 161,666 | $ 171,000 |
| Stockton-Lodi, CA | 3 | $ 245,000 | $ 81,666 | $ 128,000 |
| Tampa, FL | 3 | $ 295,000 | $ 98,333 | $ 87,000 |
| Vallejo-Fairfield, CA | 3 | $ 235,000 | $ 78,333 | $ 127,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 435,000 | $ 145,000 | $ 207,000 |
| Baton Rouge, LA | 2 | $ 510,000 | $ 255,000 | $ 108,000 |
| Billings, MT | 2 | $ 260,000 | $ 130,000 | $ 249,000 |
| Colorado Springs, CO | 2 | $ 240,000 | $ 120,000 | $ 127,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 470,000 | $ 235,000 | $ 144,000 |
| Everett, WA | 2 | $ 2,500,000 | $ 1,250,000 | $ 422,000 |
| Jacksonville, FL | 2 | $ 250,000 | $ 125,000 | $ 152,000 |
| Merced, CA | 2 | $ 500,000 | $ 250,000 | $ 118,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 2,000,000 | $ 1,000,000 | $ 325,000 |
| Michigan City-La Porte, IN | 2 | $ 410,000 | $ 205,000 | $ 91,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 650,000 | $ 325,000 | $ 159,000 |
| New Orleans-Metairie, LA | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Ogden-Clearfield, UT | 2 | $ 180,000 | $ 90,000 | $ 315,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 800,000 | $ 400,000 | $ 203,000 |
| Punta Gorda, FL | 2 | $ 190,000 | $ 95,000 | $ 74,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,100,000 | $ 1,050,000 | $ 289,000 |
| Savannah, GA | 2 | $ 210,000 | $ 105,000 | $ 101,000 |
| St. George, UT | 2 | $ 690,000 | $ 345,000 | $ 147,000 |
| Visalia-Porterville, CA | 2 | $ 610,000 | $ 305,000 | $ 136,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Albuquerque, NM | 1 | $ 235,000 | $ 235,000 | $ 177,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 85,000 | $ 85,000 | $ 138,000 |
| Bend-Redmond, OR | 1 | $ 305,000 | $ 305,000 | $ 223,000 |
| Birmingham-Hoover, AL | 1 | $ 175,000 | $ 175,000 | $ 219,000 |
| Boise City, ID | 1 | $ 985,000 | $ 985,000 | $ 373,000 |
| Bozeman, MT | 1 | $ 905,000 | $ 905,000 | $ 274,000 |
| Burlington-South Burlington, VT | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 65,000 | $ 65,000 | $ 249,000 |
| Camden, NJ | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Carson City, NV | 1 | $ 405,000 | $ 405,000 | $ 83,000 |
| Chico, CA | 1 | $ 435,000 | $ 435,000 | $ 302,000 |
| Cincinnati, OH-KY-IN | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Cleveland, TN | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Durham-Chapel Hill, NC | 1 | $ 245,000 | $ 245,000 | $ 286,000 |
| El Centro, CA | 1 | $ 65,000 | $ 65,000 | $ 87,000 |
| Flint, MI | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Gainesville, GA | 1 | $ 55,000 | $ 55,000 | $ 158,000 |
| Greeley, CO | 1 | $ 105,000 | $ 105,000 | $ 93,000 |
| Harrisburg-Carlisle, PA | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 85,000 | $ 85,000 | $ 157,000 |
| Huntsville, AL | 1 | $ 45,000 | $ 45,000 | $ 102,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Lakeland-Winter Haven, FL | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Lexington Park, MD | 1 | $ 525,000 | $ 525,000 | $ 123,000 |
| Marietta, GA | 1 | $ 35,000 | $ 35,000 | $ 149,000 |
| Missoula, MT | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 175,000 | $ 175,000 | $ 177,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Philadelphia, PA | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Pittsburgh, PA | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Port St. Lucie, FL | 1 | $ 325,000 | $ 325,000 | $ 78,000 |
| Providence-Warwick, RI-MA | 1 | $ 75,000 | $ 75,000 | $ 161,000 |
| Provo-Orem, UT | 1 | $ 305,000 | $ 305,000 | $ 135,000 |
| Raleigh, NC | 1 | $ 385,000 | $ 385,000 | $ 933,000 |
| Reno, NV | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Salem, OR | 1 | $ 175,000 | $ 175,000 | $ 327,000 |
| Salinas, CA | 1 | $ 805,000 | $ 805,000 | $ 230,000 |
| Salt Lake City, UT | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| San Antonio-New Braunfels, TX | 1 | $ 205,000 | $ 205,000 | $ 119,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 115,000 | $ 115,000 | $ 648,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 135,000 | $ 135,000 | $ 182,000 |
| Waco, TX | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Warner Robins, GA | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 155,000 | $ 155,000 | $ 119,000 |
| Wichita, KS | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Winston-Salem, NC | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Kinecta Federal Credit Union in 2024
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 | 1,334 | $250,280,000 | $187,000 | $1,955,000 | $182,000 | $3,514,000 |
| Refinancing | 593 | $119,025,000 | $200,000 | $1,985,000 | $146,000 | $708,000 |
| Home Purchase | 483 | $488,765,000 | $1,011,000 | $5,005,000 | $364,000 | $6,058,000 |
| 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 | 994 | $386,110,000 | $388,000 | $5,005,000 | $232,000 | $6,058,000 |
| Hispanic | 470 | $107,260,000 | $228,000 | $3,005,000 | $156,000 | $1,111,000 |
| Not Provided | 450 | $173,820,000 | $386,000 | $4,115,000 | $223,000 | $2,436,000 |
| Asian | 292 | $153,180,000 | $524,000 | $5,005,000 | $242,000 | $2,213,000 |
| Black or African American | 180 | $32,130,000 | $178,000 | $1,075,000 | $134,000 | $933,000 |
| American Indian or Alaskan Native | 13 | $2,475,000 | $190,000 | $625,000 | $136,000 | $405,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,690,000 | $169,000 | $625,000 | $133,000 | $286,000 |
| Not applicable | 1 | $1,405,000 | $1,405,000 | $1,405,000 | $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) | 2,378 | $844,190,000 | $355,000 | $5,005,000 | $210,000 | $6,058,000 |
| FHA-insured (Federal Housing Administration) | 29 | $11,475,000 | $395,000 | $845,000 | $100,000 | $291,000 |
| VA-guaranteed (Veterans Administration) | 3 | $2,405,000 | $801,000 | $1,025,000 | $305,000 | $347,000 |
| 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 | 1,637 | $523,125,000 | $319,000 | $5,005,000 | $214,000 | $6,058,000 |
| Application Denied By Financial Institution | 254 | $106,350,000 | $418,000 | $5,005,000 | $184,000 | $2,058,000 |
| Application Withdrawn By Applicant | 219 | $60,385,000 | $275,000 | $2,705,000 | $176,000 | $1,264,000 |
| Preapproval Approved but not Accepted | 147 | $93,465,000 | $635,000 | $2,855,000 | $212,000 | $800,000 |
| File Closed For Incompleteness | 121 | $61,205,000 | $505,000 | $4,825,000 | $271,000 | $4,635,000 |
| Preapproval Denied by Financial Institution | 23 | $12,525,000 | $544,000 | $1,995,000 | $119,000 | $352,000 |
| Application Approved But Not Accepted | 9 | $1,015,000 | $112,000 | $225,000 | $125,000 | $174,000 |
| 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 | 2,133 | $739,195,000 | $346,000 | $5,005,000 | $213,000 | $6,058,000 |
| Debt-To-Income Ratio | 165 | $85,645,000 | $519,000 | $5,005,000 | $162,000 | $1,175,000 |
| Unverifiable Information | 28 | $11,460,000 | $409,000 | $2,255,000 | $201,000 | $600,000 |
| Collateral | 27 | $8,035,000 | $297,000 | $2,875,000 | $302,000 | $2,058,000 |
| Credit History | 26 | $2,960,000 | $113,000 | $325,000 | $100,000 | $241,000 |
| Other | 24 | $7,340,000 | $305,000 | $2,255,000 | $221,000 | $650,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,530,000 | $382,000 | $765,000 | $174,000 | $352,000 |
| Employment History | 2 | $270,000 | $135,000 | $165,000 | $42,000 | $48,000 |
| Credit Application Incomplete | 1 | $1,635,000 | $1,635,000 | $1,635,000 | $356,000 | $356,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kinecta Federal Credit Union's 2024 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.
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