America First Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
America First Federal Credit Union 2023 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 | 22,394 |
| Total Mortgage Loan Application Amount | $2,784,370,000 |
| Average Mortgage Loan Application Amount | $184,800 |
| Highest Mortgage Loan Application Amount | $15,405,000 |
| Average Applicant Income | $129,800 |
| Highest Applicant Income | $4,452,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 5,598 | $ 727,430,000 | $ 129,000 | $ 134,000 |
| Davis County Utah | 3,210 | $ 380,260,000 | $ 118,000 | $ 131,000 |
| Clark County Nevada | 3,128 | $ 339,860,000 | $ 108,000 | $ 125,000 |
| Utah County Utah | 2,740 | $ 356,610,000 | $ 130,000 | $ 144,000 |
| Weber County Utah | 2,721 | $ 295,025,000 | $ 108,000 | $ 110,000 |
| Washington County Utah | 735 | $ 108,715,000 | $ 147,000 | $ 135,000 |
| Cache County Utah | 646 | $ 76,480,000 | $ 118,000 | $ 112,000 |
| Maricopa County Arizona | 629 | $ 81,845,000 | $ 130,000 | $ 160,000 |
| Box Elder County Utah | 492 | $ 50,110,000 | $ 101,000 | $ 105,000 |
| Tooele County Utah | 405 | $ 39,745,000 | $ 98,000 | $ 113,000 |
| Wasatch County Utah | 179 | $ 42,105,000 | $ 235,000 | $ 164,000 |
| Summit County Utah | 135 | $ 43,435,000 | $ 321,000 | $ 197,000 |
| Iron County Utah | 131 | $ 15,245,000 | $ 116,000 | $ 116,000 |
| Mohave County Arizona | 113 | $ 13,685,000 | $ 121,000 | $ 136,000 |
| Morgan County Utah | 112 | $ 22,390,000 | $ 199,000 | $ 223,000 |
| Pinal County Arizona | 104 | $ 10,060,000 | $ 96,000 | $ 144,000 |
| Pima County Arizona | 79 | $ 21,835,000 | $ 276,000 | $ 127,000 |
| Washoe County Nevada | 72 | $ 9,240,000 | $ 128,000 | $ 141,000 |
| Nye County Nevada | 70 | $ 8,660,000 | $ 123,000 | $ 109,000 |
| Juab County Utah | 65 | $ 7,855,000 | $ 120,000 | $ 104,000 |
| Sanpete County Utah | 65 | $ 7,655,000 | $ 117,000 | $ 97,000 |
| Franklin County Idaho | 59 | $ 8,475,000 | $ 143,000 | $ 94,000 |
| Ada County Idaho | 49 | $ 8,415,000 | $ 171,000 | $ 225,000 |
| Lincoln County Nevada | 48 | $ 5,990,000 | $ 124,000 | $ 98,000 |
| Canyon County Idaho | 40 | $ 4,780,000 | $ 119,000 | $ 145,000 |
| Yavapai County Arizona | 36 | $ 4,850,000 | $ 134,000 | $ 130,000 |
| Carbon County Utah | 35 | $ 3,555,000 | $ 101,000 | $ 110,000 |
| Coconino County Arizona | 34 | $ 3,790,000 | $ 111,000 | $ 111,000 |
| Uintah County Utah | 31 | $ 2,265,000 | $ 73,000 | $ 95,000 |
| Duchesne County Utah | 30 | $ 4,550,000 | $ 151,000 | $ 109,000 |
| Sevier County Utah | 29 | $ 2,685,000 | $ 92,000 | $ 86,000 |
| Apache County Arizona | 28 | $ 2,290,000 | $ 81,000 | $ 81,000 |
| Rich County Utah | 28 | $ 7,300,000 | $ 260,000 | $ 267,000 |
| Kane County Utah | 27 | $ 5,035,000 | $ 186,000 | $ 203,000 |
| Lyon County Nevada | 26 | $ 2,140,000 | $ 82,000 | $ 95,000 |
| Oneida County Idaho | 23 | $ 2,605,000 | $ 113,000 | $ 120,000 |
| Bonneville County Idaho | 22 | $ 1,790,000 | $ 81,000 | $ 122,000 |
| Elko County Nevada | 20 | $ 2,870,000 | $ 143,000 | $ 127,000 |
| Twin Falls County Idaho | 18 | $ 2,280,000 | $ 126,000 | $ 117,000 |
| Millard County Utah | 17 | $ 1,315,000 | $ 77,000 | $ 96,000 |
| Bannock County Idaho | 16 | $ 2,850,000 | $ 178,000 | $ 102,000 |
| Bear Lake County Idaho | 16 | $ 3,850,000 | $ 240,000 | $ 111,000 |
| Emery County Utah | 15 | $ 1,585,000 | $ 105,000 | $ 102,000 |
| Cochise County Arizona | 12 | $ 750,000 | $ 62,000 | $ 73,000 |
| Bingham County Idaho | 12 | $ 1,610,000 | $ 134,000 | $ 143,000 |
| Garfield County Utah | 12 | $ 970,000 | $ 80,000 | $ 88,000 |
| Yuma County Arizona | 11 | $ 615,000 | $ 55,000 | $ 112,000 |
| Fremont County Idaho | 11 | $ 4,575,000 | $ 415,000 | $ 317,000 |
| Carson City County Nevada | 11 | $ 735,000 | $ 66,000 | $ 99,000 |
| Beaver County Utah | 11 | $ 815,000 | $ 74,000 | $ 103,000 |
| Navajo County Arizona | 10 | $ 710,000 | $ 71,000 | $ 111,000 |
| Madison County Idaho | 9 | $ 1,145,000 | $ 127,000 | $ 101,000 |
| Douglas County Nevada | 9 | $ 1,975,000 | $ 219,000 | $ 169,000 |
| Jefferson County Idaho | 8 | $ 1,470,000 | $ 183,000 | $ 108,000 |
| Santa Cruz County Arizona | 7 | $ 635,000 | $ 90,000 | $ 98,000 |
| Mineral County Nevada | 7 | $ 1,075,000 | $ 153,000 | $ 117,000 |
| Bernalillo County New Mexico | 7 | $ 755,000 | $ 107,000 | $ 101,000 |
| Caribou County Idaho | 6 | $ 990,000 | $ 165,000 | $ 107,000 |
| Humboldt County Nevada | 6 | $ 510,000 | $ 85,000 | $ 559,000 |
| Piute County Utah | 6 | $ 600,000 | $ 100,000 | $ 100,000 |
| Cassia County Idaho | 5 | $ 665,000 | $ 133,000 | $ 87,000 |
| Valley County Idaho | 5 | $ 955,000 | $ 191,000 | $ 139,000 |
| Churchill County Nevada | 5 | $ 345,000 | $ 69,000 | $ 100,000 |
| Pershing County Nevada | 5 | $ 585,000 | $ 117,000 | $ 73,000 |
| Daggett County Utah | 5 | $ 865,000 | $ 173,000 | $ 188,000 |
| Gila County Arizona | 4 | $ 1,650,000 | $ 412,000 | $ 134,000 |
| Graham County Arizona | 4 | $ 280,000 | $ 70,000 | $ 98,000 |
| Blaine County Idaho | 4 | $ 530,000 | $ 132,000 | $ 125,000 |
| White Pine County Nevada | 4 | $ 630,000 | $ 157,000 | $ 125,000 |
| Sandoval County New Mexico | 4 | $ 590,000 | $ 147,000 | $ 128,000 |
| Grand County Utah | 4 | $ 870,000 | $ 217,000 | $ 210,000 |
| San Juan County Utah | 4 | $ 200,000 | $ 50,000 | $ 108,000 |
| La Paz County Arizona | 3 | $ 435,000 | $ 145,000 | $ 124,000 |
| Boise County Idaho | 3 | $ 275,000 | $ 91,000 | $ 69,000 |
| Bonner County Idaho | 3 | $ 135,000 | $ 45,000 | $ 152,000 |
| Elmore County Idaho | 3 | $ 485,000 | $ 161,000 | $ 108,000 |
| Kootenai County Idaho | 3 | $ 195,000 | $ 65,000 | $ 63,000 |
| Lander County Nevada | 3 | $ 515,000 | $ 171,000 | $ 112,000 |
| Dona Ana County New Mexico | 3 | $ 195,000 | $ 65,000 | $ 96,000 |
| Greenlee County Arizona | 2 | $ 230,000 | $ 115,000 | $ 119,000 |
| Weld County Colorado | 2 | $ 140,000 | $ 70,000 | $ 140,000 |
| Minidoka County Idaho | 2 | $ 410,000 | $ 205,000 | $ 95,000 |
| Owyhee County Idaho | 2 | $ 410,000 | $ 205,000 | $ 139,000 |
| Power County Idaho | 2 | $ 450,000 | $ 225,000 | $ 98,000 |
| Eureka County Nevada | 2 | $ 230,000 | $ 115,000 | $ 155,000 |
| Otero County New Mexico | 2 | $ 180,000 | $ 90,000 | $ 39,000 |
| San Juan County New Mexico | 2 | $ 150,000 | $ 75,000 | $ 85,000 |
| Dallas County Texas | 2 | $ 70,000 | $ 35,000 | $ 47,000 |
| Travis County Texas | 2 | $ 190,000 | $ 95,000 | $ 183,000 |
| Fairfax County Virginia | 2 | $ 360,000 | $ 180,000 | $ 650,000 |
| King County Washington | 2 | $ 460,000 | $ 230,000 | $ 1,308,000 |
| Baldwin County Alabama | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Etowah County Alabama | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Kodiak Island County Alaska | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| Fresno County California | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Los Angeles County California | 1 | $ 75,000 | $ 75,000 | $ 166,000 |
| Riverside County California | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| San Benito County California | 1 | $ 105,000 | $ 105,000 | $ 348,000 |
| Garfield County Colorado | 1 | $ 45,000 | $ 45,000 | $ 163,000 |
| Fairfield County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 1,080,000 |
| Osceola County Florida | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Pinellas County Florida | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Sarasota County Florida | 1 | $ 55,000 | $ 55,000 | $ 168,000 |
| St. Johns County Florida | 1 | $ 255,000 | $ 255,000 | $ 156,000 |
| Atkinson County Georgia | 1 | $ 285,000 | $ 285,000 | $ 16,000 |
| Clayton County Georgia | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| DeKalb County Georgia | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| Boundary County Idaho | 1 | $ 45,000 | $ 45,000 | $ 136,000 |
| Butte County Idaho | 1 | $ 15,000 | $ 15,000 | $ 130,000 |
| Clearwater County Idaho | 1 | $ 485,000 | $ 485,000 | $ 103,000 |
| Gem County Idaho | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Latah County Idaho | 1 | $ 355,000 | $ 355,000 | $ 322,000 |
| Lemhi County Idaho | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Nez Perce County Idaho | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Shoshone County Idaho | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Teton County Idaho | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| DuPage County Illinois | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| DeKalb County Indiana | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Dallas County Iowa | 1 | $ 75,000 | $ 75,000 | $ 600,000 |
| Cherokee County Kansas | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| Calhoun County Michigan | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Cascade County Montana | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Storey County Nevada | 1 | $ 65,000 | $ 65,000 | $ 189,000 |
| Grafton County New Hampshire | 1 | $ 35,000 | $ 35,000 | $ 137,000 |
| Curry County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| De Baca County New Mexico | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Grant County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Sierra County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 513,000 |
| Torrance County New Mexico | 1 | $ 115,000 | $ 115,000 | $ 128,000 |
| Valencia County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 129,000 |
| Clinton County New York | 1 | $ 105,000 | $ 105,000 | $ 720,000 |
| Queens County New York | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Iredell County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Randolph County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Wake County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 180,000 |
| Cuyahoga County Ohio | 1 | $ 75,000 | $ 75,000 | $ 173,000 |
| McIntosh County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Clackamas County Oregon | 1 | $ 65,000 | $ 65,000 | $ 180,000 |
| Washington County Oregon | 1 | $ 135,000 | $ 135,000 | $ 1,768,000 |
| Lehigh County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 1,560,000 |
| Philadelphia County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Oconee County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Anderson County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 1,116,000 |
| Davidson County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 24,000 |
| Bexar County Texas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Brazoria County Texas | 1 | $ 45,000 | $ 45,000 | $ 1,158,000 |
| Collin County Texas | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Tarrant County Texas | 1 | $ 85,000 | $ 85,000 | $ 188,000 |
| Taylor County Texas | 1 | $ 45,000 | $ 45,000 | $ 113,000 |
| Wayne County Utah | 1 | $ 425,000 | $ 425,000 | $ 254,000 |
| Culpeper County Virginia | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Pierce County Washington | 1 | $ 525,000 | $ 525,000 | $ 113,000 |
| Snohomish County Washington | 1 | $ 195,000 | $ 195,000 | $ 182,000 |
| Brown County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Carbon County Wyoming | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Sweetwater County Wyoming | 1 | $ 35,000 | $ 35,000 | $ 204,000 |
Mortgage Loan Application Detail Totals for America First Federal Credit Union in 2023
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 | 8,808 | $774,460,000 | $87,000 | $4,305,000 | $128,000 | $4,452,000 |
| Other Purpose | 6,696 | $598,230,000 | $89,000 | $2,425,000 | $127,000 | $2,865,000 |
| Refinancing | 4,384 | $648,590,000 | $147,000 | $13,205,000 | $136,000 | $3,641,000 |
| Home Purchase | 2,095 | $641,065,000 | $305,000 | $15,405,000 | $149,000 | $2,762,000 |
| Cash-out Refinancing | 411 | $122,025,000 | $296,000 | $5,955,000 | $109,000 | $1,105,000 |
| 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 | 15,344 | $1,902,310,000 | $123,000 | $3,005,000 | $134,000 | $4,452,000 |
| Hispanic | 3,397 | $355,245,000 | $104,000 | $3,005,000 | $109,000 | $2,340,000 |
| Not Provided | 1,744 | $226,390,000 | $129,000 | $3,205,000 | $150,000 | $2,670,000 |
| Asian | 842 | $110,850,000 | $131,000 | $1,305,000 | $139,000 | $1,716,000 |
| Black or African American | 396 | $41,920,000 | $105,000 | $665,000 | $121,000 | $879,000 |
| Not applicable | 270 | $105,860,000 | $392,000 | $15,405,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 239 | $24,855,000 | $103,000 | $605,000 | $115,000 | $600,000 |
| American Indian or Alaskan Native | 147 | $14,275,000 | $97,000 | $525,000 | $108,000 | $429,000 |
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) | 22,205 | $2,720,295,000 | $122,000 | $15,405,000 | $131,000 | $4,452,000 |
| FHA-insured (Federal Housing Administration) | 147 | $48,675,000 | $331,000 | $745,000 | $104,000 | $599,000 |
| VA-guaranteed (Veterans Administration) | 38 | $13,890,000 | $365,000 | $675,000 | $116,000 | $255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,510,000 | $377,000 | $455,000 | $113,000 | $150,000 |
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 | 16,218 | $1,814,130,000 | $111,000 | $15,405,000 | $134,000 | $3,641,000 |
| Application Denied By Financial Institution | 4,021 | $566,455,000 | $140,000 | $3,205,000 | $113,000 | $2,400,000 |
| Application Approved But Not Accepted | 1,197 | $214,185,000 | $178,000 | $2,025,000 | $135,000 | $2,670,000 |
| Application Withdrawn By Applicant | 958 | $189,600,000 | $197,000 | $3,005,000 | $152,000 | $4,452,000 |
| 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 | 18,373 | $2,217,915,000 | $120,000 | $15,405,000 | $135,000 | $4,452,000 |
| Credit History | 1,648 | $168,030,000 | $101,000 | $3,005,000 | $97,000 | $1,067,000 |
| Debt-To-Income Ratio | 856 | $185,150,000 | $216,000 | $3,205,000 | $76,000 | $522,000 |
| Other | 756 | $89,960,000 | $118,000 | $2,425,000 | $145,000 | $2,400,000 |
| Unverifiable Information | 468 | $70,280,000 | $150,000 | $1,965,000 | $161,000 | $1,980,000 |
| Collateral | 245 | $42,415,000 | $173,000 | $1,305,000 | $148,000 | $1,264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 35 | $9,425,000 | $269,000 | $765,000 | $170,000 | $860,000 |
| Employment History | 11 | $1,045,000 | $95,000 | $425,000 | $63,000 | $280,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $125,000 | $42,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into America First Federal Credit Union's 2023 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.