# F&A Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/fa-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


F&A Federal Credit Union is a credit union, headquartered in Monterey Park, CA, serving borrowers across 18 states, with 168 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900BBEPZS8MDE1S61
- **Headquarters:** Monterey Park, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AR, AZ, CA, CO, FL, ID, IN, MA, ME, MT, NV, OH, OK, OR, TX, UT, WA, WY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.421%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $79
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 168
- **Dollar Volume:** $96 million
- **Applications Received:** 196
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $570,476
- **Average Borrower Income:** $238,619
- **Average Property Value:** $881,131

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 157 | -0.423% | $85 | Acceptable 🙂 |
| Jumbo | 41/100 | 11 | -0.397% | $0 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 105 loans, Score: 34/100 (Acceptable)
- Refinance: 52 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 112 | $67M | -0.449% | Acceptable 🙂 |
| Refinance | 44/100 | 56 | $29M | -0.362% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 126 | 0.04% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 55 | 64/100 |
| Riverside | CA | 27 | 55/100 |
| Anaheim | CA | 23 | 56/100 |
| Non |  | 10 | 24/100 |

## Frequently Asked Questions

### What loan types does F&A Federal Credit Union offer?

F&A Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does F&A Federal Credit Union offer mortgages?

F&A Federal Credit Union offers mortgages in 18 states: AR, AZ, CA, CO, FL, ID, IN, MA, ME, MT, NV, OH, OK, OR, TX, UT, WA, WY.

### How competitive are F&A Federal Credit Union's mortgage rates?

F&A Federal Credit Union has a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.421% below market average.

### What type of lender is F&A Federal Credit Union?

F&A Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Monterey Park, CA.

### What is F&A Federal Credit Union's loan approval success rate?

F&A Federal Credit Union has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fa-federal-credit-union

### How to Cite

> "F&A Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fa-federal-credit-union

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