America First Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
America First Federal Credit Union 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | America First Federal Credit Union 4774 S 1300 W, Bldg 3 Riverdale, UT 84405 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 11,069 |
| Total Mortgage Loan Application Amount | $1,656,494,000 |
| Average Mortgage Loan Application Amount | $139,333 |
| Highest Mortgage Loan Application Amount | $13,500,000 |
| Average Applicant Income | $82,333 |
| Highest Applicant Income | $1,267,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with America First Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing America First Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down America First Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how America First Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by America First Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at America First Federal Credit Union's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake County Utah | 3,192 | $ 503,145,000 | $ 157,000 | $ 82,000 |
| Davis County Utah | 2,273 | $ 344,502,000 | $ 151,000 | $ 85,000 |
| Weber County Utah | 2,019 | $ 257,957,000 | $ 127,000 | $ 70,000 |
| Utah County Utah | 1,015 | $ 181,234,000 | $ 178,000 | $ 87,000 |
| Clark County Nevada | 907 | $ 133,164,000 | $ 146,000 | $ 92,000 |
| Washington County Utah | 349 | $ 52,601,000 | $ 150,000 | $ 77,000 |
| Cache County Utah | 318 | $ 40,856,000 | $ 128,000 | $ 74,000 |
| Box Elder County Utah | 289 | $ 37,882,000 | $ 131,000 | $ 75,000 |
| Tooele County Utah | 130 | $ 18,127,000 | $ 139,000 | $ 79,000 |
| Wasatch County Utah | 75 | $ 15,771,000 | $ 210,000 | $ 91,000 |
| Summit County Utah | 68 | $ 15,183,000 | $ 223,000 | $ 127,000 |
| Morgan County Utah | 58 | $ 11,311,000 | $ 195,000 | $ 98,000 |
| Lincoln County Nevada | 39 | $ 4,433,000 | $ 113,000 | $ 77,000 |
| Mohave County Arizona | 37 | $ 3,774,000 | $ 102,000 | $ 62,000 |
| Sanpete County Utah | 31 | $ 3,111,000 | $ 100,000 | $ 68,000 |
| Iron County Utah | 24 | $ 3,063,000 | $ 127,000 | $ 87,000 |
| Juab County Utah | 21 | $ 2,447,000 | $ 116,000 | $ 57,000 |
| Rich County Utah | 19 | $ 3,016,000 | $ 158,000 | $ 86,000 |
| Duchesne County Utah | 16 | $ 1,830,000 | $ 114,000 | $ 70,000 |
| Maricopa County Arizona | 15 | $ 1,106,000 | $ 73,000 | $ 107,000 |
| Carbon County Utah | 14 | $ 1,654,000 | $ 118,000 | $ 85,000 |
| Kane County Utah | 14 | $ 2,735,000 | $ 195,000 | $ 104,000 |
| Franklin County Idaho | 13 | $ 1,404,000 | $ 108,000 | $ 69,000 |
| Millard County Utah | 13 | $ 1,533,000 | $ 117,000 | $ 60,000 |
| Uintah County Utah | 13 | $ 1,683,000 | $ 129,000 | $ 69,000 |
| Bear Lake County Idaho | 9 | $ 1,136,000 | $ 126,000 | $ 227,000 |
| Sevier County Utah | 9 | $ 1,085,000 | $ 120,000 | $ 60,000 |
| Fremont County Idaho | 6 | $ 748,000 | $ 124,000 | $ 99,000 |
| Ada County Idaho | 5 | $ 780,000 | $ 156,000 | $ 116,000 |
| Beaver County Utah | 5 | $ 539,000 | $ 107,000 | $ 47,000 |
| Caribou County Idaho | 4 | $ 452,000 | $ 113,000 | $ 67,000 |
| Kootenai County Idaho | 4 | $ 814,000 | $ 203,000 | $ 100,000 |
| Oneida County Idaho | 4 | $ 329,000 | $ 82,000 | $ 89,000 |
| Elko County Nevada | 4 | $ 332,000 | $ 83,000 | $ 113,000 |
| White Pine County Nevada | 4 | $ 326,000 | $ 81,000 | $ 90,000 |
| Daggett County Utah | 4 | $ 548,000 | $ 137,000 | $ 111,000 |
| Emery County Utah | 4 | $ 337,000 | $ 84,000 | $ 43,000 |
| Bannock County Idaho | 3 | $ 247,000 | $ 82,000 | $ 101,000 |
| Cassia County Idaho | 3 | $ 442,000 | $ 147,000 | $ 78,000 |
| Lemhi County Idaho | 3 | $ 697,000 | $ 232,000 | $ 73,000 |
| Nye County Nevada | 3 | $ 93,000 | $ 31,000 | $ 51,000 |
| Garfield County Utah | 3 | $ 499,000 | $ 166,000 | $ 57,000 |
| Grand County Utah | 3 | $ 621,000 | $ 207,000 | $ 127,000 |
| Pima County Arizona | 2 | $ 180,000 | $ 90,000 | $ 127,000 |
| Bingham County Idaho | 2 | $ 318,000 | $ 159,000 | $ 77,000 |
| Bonneville County Idaho | 2 | $ 63,000 | $ 31,000 | $ 97,000 |
| Canyon County Idaho | 2 | $ 503,000 | $ 251,000 | $ 77,000 |
| Madison County Idaho | 2 | $ 111,000 | $ 55,000 | $ 106,000 |
| Washoe County Nevada | 2 | $ 122,000 | $ 61,000 | $ 126,000 |
| San Juan County Utah | 2 | $ 234,000 | $ 117,000 | $ 42,000 |
| Wayne County Utah | 2 | $ 153,000 | $ 76,000 | $ 56,000 |
| Pinal County Arizona | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Yuma County Arizona | 1 | $ 119,000 | $ 119,000 | $ 87,000 |
| Orange County California | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Adams County Idaho | 1 | $ 104,000 | $ 104,000 | $ 80,000 |
| Jefferson County Idaho | 1 | $ 97,000 | $ 97,000 | $ 66,000 |
| Minidoka County Idaho | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Shoshone County Idaho | 1 | $ 42,000 | $ 42,000 | $ 130,000 |
| Teton County Idaho | 1 | $ 231,000 | $ 231,000 | $ 32,000 |
| Twin Falls County Idaho | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Valley County Idaho | 1 | $ 92,000 | $ 92,000 | $ 89,000 |
| Montgomery County Ohio | 1 | $ 220,000 | $ 220,000 | $ 235,000 |
Mortgage Loan Application Detail Totals for America First Federal Credit Union in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 6,136 | $975,824,000 | $159,000 | $1,424,000 | $81,000 | $1,140,000 |
| Home Purchase | 2,777 | $532,610,000 | $191,000 | $13,500,000 | $73,000 | $906,000 |
| Home Improvement | 2,156 | $148,060,000 | $68,000 | $800,000 | $93,000 | $1,267,000 |
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 | 8,630 | $1,303,247,000 | $151,000 | $1,424,000 | $83,000 | $1,186,000 |
| Hispanic | 1,060 | $134,839,000 | $127,000 | $505,000 | $61,000 | $501,000 |
| Not Provided | 815 | $115,516,000 | $141,000 | $791,000 | $95,000 | $1,267,000 |
| Asian | 307 | $48,417,000 | $157,000 | $570,000 | $78,000 | $600,000 |
| Black or African American | 89 | $12,044,000 | $135,000 | $394,000 | $71,000 | $186,000 |
| American Indian or Alaskan Native | 87 | $11,563,000 | $132,000 | $417,000 | $66,000 | $180,000 |
| Native Hawaiin or Other Pacific Islander | 70 | $9,545,000 | $136,000 | $344,000 | $68,000 | $251,000 |
| Not applicable | 11 | $21,323,000 | $1,938,000 | $13,500,000 | $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) | 10,388 | $1,528,264,000 | $147,000 | $13,500,000 | $83,000 | $1,267,000 |
| FHA-insured (Federal Housing Administration) | 470 | $81,646,000 | $173,000 | $387,000 | $55,000 | $764,000 |
| VA-guaranteed (Veterans Administration) | 195 | $43,585,000 | $223,000 | $424,000 | $76,000 | $788,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,999,000 | $187,000 | $345,000 | $59,000 | $100,000 |
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 | 6,720 | $956,502,000 | $142,000 | $13,500,000 | $82,000 | $1,186,000 |
| Application Denied By Financial Institution | 2,999 | $505,847,000 | $168,000 | $1,000,000 | $77,000 | $1,267,000 |
| Application Approved But Not Accepted | 905 | $143,865,000 | $158,000 | $770,000 | $84,000 | $842,000 |
| Application Withdrawn By Applicant | 445 | $50,280,000 | $112,000 | $575,000 | $100,000 | $1,140,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 961 | $184,127,000 | $191,000 | $1,000,000 | $94,000 | $906,000 |
| Debt-To-Income Ratio | 700 | $121,928,000 | $174,000 | $725,000 | $49,000 | $246,000 |
| Credit History | 550 | $76,256,000 | $138,000 | $580,000 | $76,000 | $1,267,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 324 | $63,479,000 | $195,000 | $760,000 | $81,000 | $764,000 |
| Other | 255 | $30,658,000 | $120,000 | $547,000 | $86,000 | $1,186,000 |
| Collateral | 160 | $22,008,000 | $137,000 | $554,000 | $79,000 | $747,000 |
| Employment History | 46 | $7,016,000 | $152,000 | $417,000 | $72,000 | $649,000 |
| Credit Application Incomplete | 2 | $164,000 | $82,000 | $154,000 | $45,000 | $49,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into America First Federal Credit Union's 2016 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 America First 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 Utah, download the full spreadsheet
with aggregated HMDA statistics today.