America First Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, America First Federal Credit Union of Riverdale, UT reported 22,220 mortgage applications totaling $3.4 billion, down 1% from 2024. The average application was for $153,554, and applicants reported an average income of $151,252. 69% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Ogden-Clearfield, UT (5,641), Salt Lake City, UT (5,568) and Las Vegas-Henderson-Paradise, NV (3,554) (applications in parentheses).
| 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 | 2025 2024 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 | 22,220 |
| Total Mortgage Loan Application Amount | $3,411,990,000 |
| Average Mortgage Loan Application Amount | $153,554 |
| Highest Mortgage Loan Application Amount | $14,505,000 |
| Average Applicant Income | $151,252 |
| Highest Applicant Income | $4,885,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records America First Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ogden-Clearfield, UT | 5,641 | $ 829,835,000 | $ 147,107 | $ 146,000 |
| Salt Lake City, UT | 5,568 | $ 853,160,000 | $ 153,225 | $ 150,000 |
| Las Vegas-Henderson-Paradise, NV | 3,554 | $ 493,690,000 | $ 138,911 | $ 146,000 |
| Provo-Orem, UT | 2,488 | $ 388,800,000 | $ 156,270 | $ 170,000 |
| Outside any metro area | 1,785 | $ 321,435,000 | $ 180,075 | $ 141,494 |
| Phoenix-Mesa-Scottsdale, AZ | 779 | $ 113,825,000 | $ 146,116 | $ 167,000 |
| St. George, UT | 736 | $ 131,370,000 | $ 178,491 | $ 160,000 |
| Logan, UT-ID | 660 | $ 104,550,000 | $ 158,409 | $ 129,472 |
| Boise City, ID | 166 | $ 25,570,000 | $ 154,036 | $ 165,000 |
| Lake Havasu City-Kingman, AZ | 155 | $ 23,815,000 | $ 153,645 | $ 144,000 |
| Tucson, AZ | 104 | $ 17,370,000 | $ 167,019 | $ 119,000 |
| Reno, NV | 100 | $ 16,270,000 | $ 162,700 | $ 143,000 |
| Albuquerque, NM | 53 | $ 7,675,000 | $ 144,811 | $ 148,000 |
| Flagstaff, AZ | 53 | $ 9,415,000 | $ 177,641 | $ 179,000 |
| Idaho Falls, ID | 46 | $ 27,950,000 | $ 607,608 | $ 183,000 |
| Prescott Valley-Prescott, AZ | 41 | $ 6,055,000 | $ 147,682 | $ 143,000 |
| Riverside-San Bernardino-Ontario, CA | 27 | $ 2,695,000 | $ 99,814 | $ 123,000 |
| Yuma, AZ | 19 | $ 1,905,000 | $ 100,263 | $ 127,000 |
| Pocatello, ID | 16 | $ 2,500,000 | $ 156,250 | $ 134,000 |
| Sierra Vista-Douglas, AZ | 16 | $ 1,070,000 | $ 66,875 | $ 168,000 |
| Carson City, NV | 11 | $ 1,865,000 | $ 169,545 | $ 161,000 |
| Twin Falls, ID | 11 | $ 5,475,000 | $ 497,727 | $ 173,000 |
| Coeur D'Alene, ID | 10 | $ 2,510,000 | $ 251,000 | $ 124,000 |
| Farmington, NM | 7 | $ 735,000 | $ 105,000 | $ 123,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 660,000 | $ 110,000 | $ 150,000 |
| Chicago-Naperville, IL | 5 | $ 645,000 | $ 129,000 | $ 172,000 |
| San Diego-Carlsbad, CA | 5 | $ 3,985,000 | $ 797,000 | $ 498,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 380,000 | $ 95,000 | $ 312,000 |
| Colorado Springs, CO | 4 | $ 410,000 | $ 102,500 | $ 420,000 |
| Las Cruces, NM | 4 | $ 560,000 | $ 140,000 | $ 156,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 570,000 | $ 142,500 | $ 96,000 |
| Birmingham-Hoover, AL | 3 | $ 135,000 | $ 45,000 | $ 77,000 |
| Dallas-Plano-Irving, TX | 3 | $ 225,000 | $ 75,000 | $ 175,000 |
| Fort Worth-Arlington, TX | 3 | $ 245,000 | $ 81,666 | $ 134,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 275,000 | $ 91,666 | $ 139,000 |
| Kansas City, MO-KS | 3 | $ 295,000 | $ 98,333 | $ 337,333 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 455,000 | $ 151,666 | $ 336,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 185,000 | $ 61,666 | $ 416,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 265,000 | $ 88,333 | $ 182,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 860,000 | $ 430,000 | $ 208,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 180,000 | $ 90,000 | $ 978,000 |
| Billings, MT | 2 | $ 90,000 | $ 45,000 | $ 103,000 |
| Cleveland, OH | 2 | $ 100,000 | $ 50,000 | $ 88,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 70,000 | $ 35,000 | $ 236,000 |
| El Paso, TX | 2 | $ 140,000 | $ 70,000 | $ 111,000 |
| Everett, WA | 2 | $ 340,000 | $ 170,000 | $ 213,000 |
| Goldsboro, NC | 2 | $ 130,000 | $ 65,000 | $ 145,000 |
| Great Falls, MT | 2 | $ 370,000 | $ 185,000 | $ 555,000 |
| Jacksonville, FL | 2 | $ 140,000 | $ 70,000 | $ 1,628,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 120,000 | $ 60,000 | $ 116,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 430,000 | $ 215,000 | $ 120,000 |
| Medford, OR | 2 | $ 250,000 | $ 125,000 | $ 834,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 250,000 | $ 125,000 | $ 247,000 |
| Ocala, FL | 2 | $ 120,000 | $ 60,000 | $ 147,000 |
| San Antonio-New Braunfels, TX | 2 | $ 120,000 | $ 60,000 | $ 244,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 300,000 | $ 150,000 | $ 172,000 |
| Santa Fe, NM | 2 | $ 590,000 | $ 295,000 | $ 261,000 |
| Tampa, FL | 2 | $ 270,000 | $ 135,000 | $ 307,000 |
| Traverse City, MI | 2 | $ 490,000 | $ 245,000 | $ 2,069,000 |
| Visalia-Porterville, CA | 2 | $ 170,000 | $ 85,000 | $ 189,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 280,000 | $ 140,000 | $ 137,000 |
| Amarillo, TX | 1 | $ 45,000 | $ 45,000 | $ 456,000 |
| Anchorage, AK | 1 | $ 35,000 | $ 35,000 | $ 144,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 105,000 | $ 105,000 | $ 282,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Austin-Round Rock, TX | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| Baton Rouge, LA | 1 | $ 35,000 | $ 35,000 | $ 158,000 |
| Beaumont-Port Arthur, TX | 1 | $ 55,000 | $ 55,000 | $ 1,500,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 255,000 | $ 255,000 | $ 192,000 |
| Casper, WY | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Chico, CA | 1 | $ 405,000 | $ 405,000 | $ 250,000 |
| College Station-Bryan, TX | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 95,000 | $ 95,000 | $ 127,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 55,000 | $ 55,000 | $ 15,000 |
| Decatur, IL | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 135,000 | $ 135,000 | $ 375,000 |
| Eugene, OR | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Flint, MI | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 888,000 |
| Grand Junction, CO | 1 | $ 45,000 | $ 45,000 | $ 396,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Greeley, CO | 1 | $ 255,000 | $ 255,000 | $ 178,000 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 220,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 35,000 | $ 35,000 | $ 134,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 25,000 | $ 25,000 | $ 156,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 255,000 | $ 255,000 | $ 420,000 |
| Homosassa Springs, FL | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Hot Springs, AR | 1 | $ 55,000 | $ 55,000 | $ 192,000 |
| Huntsville, AL | 1 | $ 55,000 | $ 55,000 | $ 300,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Iowa City, IA | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Killeen-Temple, TX | 1 | $ 105,000 | $ 105,000 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Lafayette, LA | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Lewiston, ID-WA | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Lexington-Fayette, KY | 1 | $ 85,000 | $ 85,000 | $ 168,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 45,000 | $ 45,000 | $ 210,000 |
| Memphis, TN-MS-AR | 1 | $ 65,000 | $ 65,000 | $ 160,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Missoula, MT | 1 | $ 45,000 | $ 45,000 | $ 1,440,000 |
| Mobile, AL | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Morgantown, WV | 1 | $ 125,000 | $ 125,000 | $ 180,000 |
| Napa, CA | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| Nassau County-Suffolk County, NY | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| New Orleans-Metairie, LA | 1 | $ 115,000 | $ 115,000 | $ 136,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Newark, NJ-PA | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 55,000 | $ 55,000 | $ 143,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 255,000 | $ 255,000 | $ 960,000 |
| Pittsburgh, PA | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Raleigh, NC | 1 | $ 75,000 | $ 75,000 | $ 56,000 |
| Richmond, VA | 1 | $ 45,000 | $ 45,000 | $ 91,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 255,000 | $ 255,000 | $ 211,000 |
| Salem, OR | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 65,000 | $ 65,000 | $ 187,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Sherman-Denison, TX | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Spartanburg, SC | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Spokane-Spokane Valley, WA | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Springfield, MO | 1 | $ 15,000 | $ 15,000 | $ 1,800,000 |
| St. Louis, MO-IL | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Staunton-Waynesboro, VA | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Tacoma-Lakewood, WA | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| Tallahassee, FL | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Urban Honolulu, HI | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Vallejo-Fairfield, CA | 1 | $ 75,000 | $ 75,000 | $ 180,000 |
| Warner Robins, GA | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Wenatchee, WA | 1 | $ 65,000 | $ 65,000 | $ 132,000 |
| Wichita Falls, TX | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Wilmington, DE-MD-NJ | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| York-Hanover, PA | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for America First Federal Credit Union in 2025
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 | 7,387 | $800,685,000 | $108,000 | $2,005,000 | $151,000 | $4,885,000 |
| Refinancing | 6,725 | $1,110,865,000 | $165,000 | $4,205,000 | $151,000 | $4,110,000 |
| Other Purpose | 5,618 | $600,140,000 | $106,000 | $3,605,000 | $142,000 | $4,800,000 |
| Home Purchase | 1,983 | $733,695,000 | $369,000 | $14,505,000 | $187,000 | $3,600,000 |
| Cash-out Refinancing | 507 | $166,605,000 | $328,000 | $1,705,000 | $121,000 | $821,000 |
| 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 | 14,809 | $2,332,205,000 | $157,000 | $4,005,000 | $155,000 | $4,885,000 |
| Hispanic | 3,537 | $415,535,000 | $117,000 | $2,865,000 | $123,000 | $4,110,000 |
| Not Provided | 1,956 | $336,820,000 | $172,000 | $3,195,000 | $177,000 | $3,060,000 |
| Asian | 834 | $145,010,000 | $173,000 | $3,295,000 | $161,000 | $2,160,000 |
| Black or African American | 382 | $44,990,000 | $117,000 | $845,000 | $139,000 | $1,800,000 |
| Not applicable | 304 | $88,210,000 | $290,000 | $14,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 235 | $27,595,000 | $117,000 | $605,000 | $133,000 | $840,000 |
| American Indian or Alaskan Native | 163 | $21,625,000 | $132,000 | $905,000 | $121,000 | $470,000 |
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) | 22,076 | $3,363,550,000 | $152,000 | $14,505,000 | $152,000 | $4,885,000 |
| FHA-insured (Federal Housing Administration) | 104 | $34,700,000 | $333,000 | $675,000 | $103,000 | $337,000 |
| VA-guaranteed (Veterans Administration) | 37 | $12,745,000 | $344,000 | $725,000 | $126,000 | $403,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $995,000 | $331,000 | $425,000 | $70,000 | $90,000 |
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 | 15,271 | $2,128,065,000 | $139,000 | $14,505,000 | $156,000 | $4,885,000 |
| Application Denied By Financial Institution | 4,765 | $779,645,000 | $163,000 | $3,605,000 | $132,000 | $4,800,000 |
| Application Approved But Not Accepted | 1,138 | $260,420,000 | $228,000 | $3,295,000 | $158,000 | $2,580,000 |
| Application Withdrawn By Applicant | 1,046 | $243,860,000 | $233,000 | $4,005,000 | $168,000 | $3,060,000 |
| 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 | 17,455 | $2,632,345,000 | $150,000 | $14,505,000 | $157,000 | $4,885,000 |
| Credit History | 1,749 | $204,145,000 | $116,000 | $2,005,000 | $112,000 | $2,040,000 |
| Debt-To-Income Ratio | 1,200 | $279,730,000 | $233,000 | $3,605,000 | $87,000 | $879,000 |
| Other | 952 | $127,750,000 | $134,000 | $1,995,000 | $161,000 | $4,085,000 |
| Unverifiable Information | 408 | $74,570,000 | $182,000 | $2,025,000 | $217,000 | $4,800,000 |
| Collateral | 407 | $74,775,000 | $183,000 | $2,005,000 | $204,000 | $4,080,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 40 | $16,620,000 | $415,000 | $1,375,000 | $147,000 | $500,000 |
| Employment History | 8 | $1,750,000 | $218,000 | $475,000 | $74,000 | $154,000 |
| Credit Application Incomplete | 1 | $305,000 | $305,000 | $305,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into America First Federal Credit Union's 2025 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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