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 score and performance metrics.

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 an overall pricing score of 98.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

F&A Federal Credit Union is a Credit Union headquartered in Monterey Park, CA.

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F&A Federal Credit Union

Credit Union•Monterey Park, CAHQ•Direct•Reviews near you on Google

F&A Federal Credit Union has 168 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 42.10 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

F&A Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 42.1 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

157 loans · 0.42% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

11 loans · 0.40% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

112 loans · 0.45% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

56 loans · 0.36% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Acceptable	Exceptional	Sound	157	93.5%	-0.423%Below	$85Fees
Jumbo Loans	Sound	Sound	—	—	11	6.5%	-0.397%Below	$0Fees

Conventional

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume157

Mix93.5%

Spread

-0.423%Below

Fees

$85Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix6.5%

Spread

-0.397%Below

Fees

$0Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Acceptable	Exceptional	Sound	112	66.7%	-0.449%Below	$86Fees
Refinance	Strong	Sound	Exceptional	Strong	56	33.3%	-0.362%Below	$65Fees

Purchase

Overall

Strong

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume112

Mix66.7%

Spread

-0.449%Below

Fees

$86Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume56

Mix33.3%

Spread

-0.362%Below

Fees

$65Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

168

Applications

196

Volume

$95 million

Pricing & Closing

Avg Rate Spread

-0.421%

vs. market APOR

Avg Net Fees

$79

Origination − Credits

Pullthrough Rate

85.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$570,476

Avg Borrower Income

$238,619

Avg Property Value

$881,131

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

18Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast2

MEMA

Midwest2

INOH

South4

ARFLOKTX

West10

AZCACOIDMTNVORUTWAWY

Top Metro Areas by Place Specialization Score

Los Angeles, CAMetro

Volume 55Mix 32.74% of portfolio

64/100

Strong

Anaheim, CAMetro

Volume 23Mix 13.69% of portfolio

56/100

Sound

Riverside, CAMetro

Volume 27Mix 16.07% of portfolio

55/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 126Mix 75.00% of portfolio

65/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.