America First Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
America First Federal Credit Union 2022 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 | 28,519 |
| Total Mortgage Loan Application Amount | $3,985,175,000 |
| Average Mortgage Loan Application Amount | $186,200 |
| Highest Mortgage Loan Application Amount | $14,255,000 |
| Average Applicant Income | $127,800 |
| Highest Applicant Income | $5,400,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 7,146 | $ 1,017,060,000 | $ 142,000 | $ 134,000 |
| Davis County Utah | 4,220 | $ 554,470,000 | $ 131,000 | $ 132,000 |
| Clark County Nevada | 3,939 | $ 537,935,000 | $ 136,000 | $ 133,000 |
| Utah County Utah | 3,671 | $ 517,945,000 | $ 141,000 | $ 145,000 |
| Weber County Utah | 3,499 | $ 440,975,000 | $ 126,000 | $ 106,000 |
| Washington County Utah | 883 | $ 148,865,000 | $ 168,000 | $ 145,000 |
| Maricopa County Arizona | 838 | $ 130,210,000 | $ 155,000 | $ 161,000 |
| Cache County Utah | 804 | $ 101,190,000 | $ 125,000 | $ 113,000 |
| Box Elder County Utah | 607 | $ 75,375,000 | $ 124,000 | $ 104,000 |
| Tooele County Utah | 560 | $ 54,300,000 | $ 96,000 | $ 111,000 |
| Wasatch County Utah | 239 | $ 57,285,000 | $ 239,000 | $ 173,000 |
| Summit County Utah | 186 | $ 61,320,000 | $ 329,000 | $ 236,000 |
| Mohave County Arizona | 167 | $ 23,645,000 | $ 141,000 | $ 111,000 |
| Iron County Utah | 144 | $ 21,240,000 | $ 147,000 | $ 161,000 |
| Pinal County Arizona | 116 | $ 14,760,000 | $ 127,000 | $ 122,000 |
| Morgan County Utah | 100 | $ 19,630,000 | $ 196,000 | $ 197,000 |
| Nye County Nevada | 81 | $ 10,065,000 | $ 124,000 | $ 86,000 |
| Juab County Utah | 77 | $ 9,275,000 | $ 120,000 | $ 88,000 |
| Pima County Arizona | 76 | $ 12,370,000 | $ 162,000 | $ 141,000 |
| Sanpete County Utah | 74 | $ 9,970,000 | $ 134,000 | $ 97,000 |
| Ada County Idaho | 72 | $ 11,480,000 | $ 159,000 | $ 185,000 |
| Washoe County Nevada | 70 | $ 12,080,000 | $ 172,000 | $ 134,000 |
| Lincoln County Nevada | 52 | $ 7,170,000 | $ 137,000 | $ 82,000 |
| Franklin County Idaho | 49 | $ 5,935,000 | $ 121,000 | $ 89,000 |
| Carbon County Utah | 41 | $ 3,075,000 | $ 75,000 | $ 93,000 |
| Duchesne County Utah | 41 | $ 5,765,000 | $ 140,000 | $ 97,000 |
| Canyon County Idaho | 38 | $ 3,930,000 | $ 103,000 | $ 102,000 |
| Rich County Utah | 38 | $ 9,900,000 | $ 260,000 | $ 154,000 |
| Bonneville County Idaho | 35 | $ 4,635,000 | $ 132,000 | $ 138,000 |
| Sevier County Utah | 33 | $ 3,855,000 | $ 116,000 | $ 90,000 |
| Apache County Arizona | 32 | $ 1,800,000 | $ 56,000 | $ 82,000 |
| Coconino County Arizona | 32 | $ 5,360,000 | $ 167,000 | $ 116,000 |
| Oneida County Idaho | 32 | $ 4,740,000 | $ 148,000 | $ 78,000 |
| Uintah County Utah | 32 | $ 3,340,000 | $ 104,000 | $ 98,000 |
| Bear Lake County Idaho | 30 | $ 8,380,000 | $ 279,000 | $ 151,000 |
| Millard County Utah | 29 | $ 2,235,000 | $ 77,000 | $ 85,000 |
| Bannock County Idaho | 27 | $ 3,185,000 | $ 117,000 | $ 104,000 |
| Lyon County Nevada | 24 | $ 1,700,000 | $ 70,000 | $ 115,000 |
| Yavapai County Arizona | 23 | $ 2,155,000 | $ 93,000 | $ 111,000 |
| Elko County Nevada | 23 | $ 1,905,000 | $ 82,000 | $ 130,000 |
| Kane County Utah | 23 | $ 3,705,000 | $ 161,000 | $ 129,000 |
| Beaver County Utah | 21 | $ 2,435,000 | $ 115,000 | $ 104,000 |
| Navajo County Arizona | 16 | $ 2,490,000 | $ 155,000 | $ 161,000 |
| Twin Falls County Idaho | 16 | $ 2,890,000 | $ 180,000 | $ 97,000 |
| Madison County Idaho | 15 | $ 2,205,000 | $ 147,000 | $ 189,000 |
| San Juan County Utah | 14 | $ 1,580,000 | $ 112,000 | $ 99,000 |
| Cochise County Arizona | 12 | $ 890,000 | $ 74,000 | $ 103,000 |
| Fremont County Idaho | 12 | $ 2,800,000 | $ 233,000 | $ 161,000 |
| Yuma County Arizona | 10 | $ 1,030,000 | $ 103,000 | $ 84,000 |
| White Pine County Nevada | 10 | $ 2,050,000 | $ 205,000 | $ 97,000 |
| Bernalillo County New Mexico | 10 | $ 15,950,000 | $ 1,595,000 | $ 121,000 |
| Bingham County Idaho | 9 | $ 1,495,000 | $ 166,000 | $ 124,000 |
| Jefferson County Idaho | 9 | $ 1,155,000 | $ 128,000 | $ 114,000 |
| Emery County Utah | 9 | $ 955,000 | $ 106,000 | $ 68,000 |
| Garfield County Utah | 9 | $ 1,065,000 | $ 118,000 | $ 74,000 |
| Douglas County Nevada | 8 | $ 1,140,000 | $ 142,000 | $ 102,000 |
| Humboldt County Nevada | 8 | $ 1,300,000 | $ 162,000 | $ 110,000 |
| Carson City County Nevada | 7 | $ 635,000 | $ 90,000 | $ 125,000 |
| Graham County Arizona | 6 | $ 830,000 | $ 138,000 | $ 121,000 |
| Gem County Idaho | 6 | $ 400,000 | $ 66,000 | $ 134,000 |
| Churchill County Nevada | 6 | $ 1,030,000 | $ 171,000 | $ 114,000 |
| Daggett County Utah | 6 | $ 1,540,000 | $ 256,000 | $ 176,000 |
| Caribou County Idaho | 5 | $ 925,000 | $ 185,000 | $ 128,000 |
| Kootenai County Idaho | 5 | $ 675,000 | $ 135,000 | $ 74,000 |
| Valley County Idaho | 5 | $ 1,335,000 | $ 267,000 | $ 101,000 |
| Santa Fe County New Mexico | 5 | $ 1,485,000 | $ 297,000 | $ 145,000 |
| Grand County Utah | 5 | $ 895,000 | $ 179,000 | $ 128,000 |
| Gila County Arizona | 4 | $ 220,000 | $ 55,000 | $ 131,000 |
| Bonner County Idaho | 4 | $ 600,000 | $ 150,000 | $ 173,000 |
| Elmore County Idaho | 4 | $ 600,000 | $ 150,000 | $ 94,000 |
| Minidoka County Idaho | 4 | $ 520,000 | $ 130,000 | $ 143,000 |
| Payette County Idaho | 4 | $ 510,000 | $ 127,000 | $ 105,000 |
| Santa Cruz County Arizona | 3 | $ 335,000 | $ 111,000 | $ 75,000 |
| Teton County Idaho | 3 | $ 435,000 | $ 145,000 | $ 62,000 |
| Lander County Nevada | 3 | $ 345,000 | $ 115,000 | $ 134,000 |
| Sandoval County New Mexico | 3 | $ 185,000 | $ 61,000 | $ 95,000 |
| Greenlee County Arizona | 2 | $ 300,000 | $ 150,000 | $ 52,000 |
| Blaine County Idaho | 2 | $ 830,000 | $ 415,000 | $ 227,000 |
| Boise County Idaho | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Gooding County Idaho | 2 | $ 490,000 | $ 245,000 | $ 123,000 |
| Jerome County Idaho | 2 | $ 390,000 | $ 195,000 | $ 118,000 |
| Storey County Nevada | 2 | $ 140,000 | $ 70,000 | $ 113,000 |
| Valencia County New Mexico | 2 | $ 210,000 | $ 105,000 | $ 50,000 |
| Piute County Utah | 2 | $ 130,000 | $ 65,000 | $ 161,000 |
| La Paz County Arizona | 1 | $ 85,000 | $ 85,000 | $ 126,000 |
| Nevada County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Montezuma County Colorado | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Osceola County Florida | 1 | $ 205,000 | $ 205,000 | $ 223,000 |
| Cassia County Idaho | 1 | $ 285,000 | $ 285,000 | $ 62,000 |
| Clearwater County Idaho | 1 | $ 35,000 | $ 35,000 | $ 182,000 |
| Idaho County Idaho | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Lemhi County Idaho | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Lincoln County Idaho | 1 | $ 295,000 | $ 295,000 | $ 51,000 |
| Nez Perce County Idaho | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Power County Idaho | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Washington County Idaho | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Caldwell County Missouri | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Mineral County Nevada | 1 | $ 205,000 | $ 205,000 | $ 296,000 |
| Pershing County Nevada | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Dona Ana County New Mexico | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| McKinley County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| San Juan County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 130,000 |
| Sierra County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 509,000 |
| Williams County North Dakota | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Hamlin County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Bell County Texas | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Benton County Washington | 1 | $ 55,000 | $ 55,000 | $ 236,000 |
| King County Washington | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for America First Federal Credit Union in 2022
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 11,372 | $1,071,510,000 | $94,000 | $2,405,000 | $128,000 | $4,200,000 |
| Other Purpose | 7,604 | $807,950,000 | $106,000 | $5,005,000 | $132,000 | $5,400,000 |
| Refinancing | 5,070 | $832,030,000 | $164,000 | $2,505,000 | $138,000 | $4,200,000 |
| Home Purchase | 2,869 | $823,805,000 | $287,000 | $14,255,000 | $149,000 | $2,509,000 |
| Cash-out Refinancing | 1,604 | $449,880,000 | $280,000 | $8,605,000 | $92,000 | $1,260,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 20,310 | $2,791,370,000 | $137,000 | $5,005,000 | $134,000 | $4,200,000 |
| Hispanic | 3,814 | $467,810,000 | $122,000 | $2,875,000 | $104,000 | $1,200,000 |
| Not Provided | 2,058 | $331,190,000 | $160,000 | $2,725,000 | $150,000 | $4,200,000 |
| Asian | 999 | $157,245,000 | $157,000 | $805,000 | $146,000 | $1,633,000 |
| Black or African American | 567 | $69,505,000 | $122,000 | $845,000 | $117,000 | $1,320,000 |
| Not applicable | 287 | $100,955,000 | $351,000 | $14,255,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 276 | $38,010,000 | $137,000 | $1,005,000 | $128,000 | $2,007,000 |
| American Indian or Alaskan Native | 153 | $18,225,000 | $119,000 | $595,000 | $121,000 | $1,500,000 |
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) | 28,257 | $3,902,595,000 | $138,000 | $14,255,000 | $132,000 | $5,400,000 |
| FHA-insured (Federal Housing Administration) | 179 | $52,315,000 | $292,000 | $875,000 | $81,000 | $566,000 |
| VA-guaranteed (Veterans Administration) | 77 | $29,345,000 | $381,000 | $705,000 | $102,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $920,000 | $153,000 | $275,000 | $45,000 | $80,000 |
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 | 20,698 | $2,646,930,000 | $127,000 | $14,255,000 | $136,000 | $2,981,000 |
| Application Denied By Financial Institution | 4,747 | $743,565,000 | $156,000 | $5,005,000 | $112,000 | $5,400,000 |
| Application Approved But Not Accepted | 1,725 | $331,765,000 | $192,000 | $2,035,000 | $123,000 | $1,633,000 |
| Application Withdrawn By Applicant | 1,349 | $262,915,000 | $194,000 | $2,875,000 | $136,000 | $1,920,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 23,772 | $3,241,610,000 | $136,000 | $14,255,000 | $135,000 | $2,981,000 |
| Credit History | 1,666 | $196,090,000 | $117,000 | $2,725,000 | $100,000 | $1,260,000 |
| Debt-To-Income Ratio | 1,160 | $250,640,000 | $216,000 | $2,505,000 | $73,000 | $1,347,000 |
| Other | 835 | $113,095,000 | $135,000 | $2,005,000 | $136,000 | $5,400,000 |
| Unverifiable Information | 708 | $109,420,000 | $154,000 | $1,405,000 | $159,000 | $4,200,000 |
| Collateral | 320 | $59,690,000 | $186,000 | $5,005,000 | $156,000 | $3,600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $12,245,000 | $313,000 | $745,000 | $114,000 | $623,000 |
| Employment History | 17 | $1,875,000 | $110,000 | $465,000 | $59,000 | $137,000 |
| Credit Application Incomplete | 2 | $510,000 | $255,000 | $335,000 | $128,000 | $152,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into America First Federal Credit Union's 2022 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.
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with aggregated HMDA statistics today.