F&A Federal Credit Union
F&A Federal Credit Union received 698 applications in 2025 and made 500 mortgages, in 71 counties across 23 states. The median rate its borrowers got was 7.000% on a median loan of $205,000. Of 575 decisions, 49 were denials — 8.5%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900BBEPZS8MDE1S61 |
|---|---|
| Applications received | 698 |
| Mortgages made | 500 |
| Denied | 49 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 123 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.089 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 101 | 6.250% | $485,000 | 2.6% |
| Refinancing | 128 | 7.250% | $200,000 | 8.4% |
| Cash-out refinancing | 114 | 7.000% | $190,000 | 4.7% |
| Other purposes | 157 | 7.000% | $135,000 | 15.0% |
Where F&A Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 214 | 7.000% | 11.4% |
| Orange County, CA | 71 | 7.000% | 7.7% |
| San Bernardino County, CA | 59 | 7.000% | 1.5% |
| Riverside County, CA | 40 | 7.000% | 12.2% |
| Ventura County, CA | 20 | 6.875% | 9.1% |
| San Diego County, CA | 15 | 7.000% | 0.0% |
| Maricopa County, AZ | 5 | Under 10 loans | 0.0% |
| Mohave County, AZ | 4 | Under 10 loans | 20.0% |
| Kern County, CA | 4 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 4 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 3 | Under 10 loans | 0.0% |
| Clark County, NV | 3 | Under 10 loans | 0.0% |
| Stark County, OH | 3 | Under 10 loans | 25.0% |
| Summit County, OH | 3 | Under 10 loans | 0.0% |
| Placer County, CA | 2 | Under 10 loans | 0.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| Sonoma County, CA | 2 | Under 10 loans | 0.0% |
| Douglas County, CO | 2 | Under 10 loans | 0.0% |
| Lafayette County, MS | 2 | Under 10 loans | 0.0% |
| La Paz County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Inyo County, CA | 1 | Under 10 loans | 0.0% |
| Marin County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 50.0% |
| Sutter County, CA | 1 | Under 10 loans | 0.0% |
| Custer County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| Bannock County, ID | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Lake County, MT | 1 | Under 10 loans | 0.0% |
| Sanders County, MT | 1 | Under 10 loans | 0.0% |
| Deuel County, NE | 1 | Under 10 loans | 0.0% |
| Moore County, NC | 1 | Under 10 loans | 0.0% |
| Kay County, OK | 1 | Under 10 loans | 0.0% |
| Jackson County, OR | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.