Applications / Mortgage Analytics / Lenders / California / F&A Federal Credit Union
Monterey Park, CA · Credit union · NCUA · $3.0 billion assets · 500 loans in 2025
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500
loans originated, 2025
698
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
F&A Federal Credit Union makes loans about twice the size of other credit unions its size, and most of them go to majority-minority areas.
Its typical loan was $205,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), larger than at about nine in ten of them. Jumbo loans (larger than the conforming limit) were 3.7%, against 0.5%. Refinances made up 48.4% of its lending and purchases only 20.2%.
Majority-minority areas took 58.2% of its loans, against 10.9% at peers, higher than at about nine in ten. Low- and moderate-income (LMI) borrowers took 9.0%, against 27.5%, among the lowest of similar lenders, though up from 5.1% a year before. Its larger loans and the California metros it serves could account for the low LMI share.
It has lent in Los Angeles-Long Beach-Anaheim, Riverside-San Bernardino-Ontario, San Diego-Chula Vista-Carlsbad and Oxnard-Thousand Oaks-Ventura since 1991. It ranks 183 of 757 in the first and 186 of 707 in the second. In 2025 it reached 20 states and 46 metros, entering non-metro Florida, non-metro Mississippi and Panama City-Panama City Beach.
It made 500 loans, up 1% from 496, while similar lenders grew 6%. Its lending peaked at 923 loans in 2021. Its typical rate, 7.00%, matched that of similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. F&A Federal Credit Union took 698 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.4% · Other 31.4% · Purchase 20.2%
Conventional 100.0% · of 500 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 444 | 88.8% |
| Arizona | 13 | 2.6% |
| Florida | 6 | 1.2% |
| Ohio | 6 | 1.2% |
| Texas | 5 | 1.0% |
| Colorado | 4 | 0.8% |
| Nevada | 3 | 0.6% |
| Oregon | 3 | 0.6% |
| Idaho | 2 | 0.4% |
| Mississippi | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 214 |
| Riverside-San Bernardino-Ontario | 99 |
| Anaheim-Santa Ana-Irvine | 71 |
| Oxnard-Thousand Oaks-Ventura | 20 |
| San Diego-Chula Vista-Carlsbad | 15 |
| Phoenix-Mesa-Chandler | 6 |
| Bakersfield-Delano | 4 |
| Lake Havasu City-Kingman | 4 |
| Sacramento-Roseville-Folsom | 4 |
| San Luis Obispo-Paso Robles | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BBEPZS8MDE1S61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 304070 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51493 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: F&A Federal Credit Union's data.
F&A Federal Credit Union's data
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F&A Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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