American First Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
American First Credit Union 2003 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 | American First Credit Union 6 Pointe Drive, Ste 400 Brea, CA 92821 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 2003 |
| Total Number of Mortgage Applications | 1,966 |
| Total Mortgage Loan Application Amount | $322,900,000 |
| Average Mortgage Loan Application Amount | $136,711 |
| Highest Mortgage Loan Application Amount | $1,108,000 |
| Average Applicant Income | $79,211 |
| Highest Applicant Income | $1,015,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with American First 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 American First Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down American First 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 American First Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by American First 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 American First Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 457 | $ 72,767,000 | $ 159,000 | $ 71,000 |
| Orange County California | 451 | $ 88,649,000 | $ 196,000 | $ 83,000 |
| San Bernardino County California | 186 | $ 27,508,000 | $ 147,000 | $ 78,000 |
| Riverside County California | 183 | $ 27,750,000 | $ 151,000 | $ 77,000 |
| Maricopa County Arizona | 85 | $ 16,711,000 | $ 196,000 | $ 109,000 |
| San Diego County California | 66 | $ 12,496,000 | $ 189,000 | $ 80,000 |
| Alameda County California | 30 | $ 6,943,000 | $ 231,000 | $ 83,000 |
| Contra Costa County California | 29 | $ 5,363,000 | $ 184,000 | $ 104,000 |
| Salt Lake County Utah | 28 | $ 5,619,000 | $ 200,000 | $ 110,000 |
| Cook County Illinois | 25 | $ 3,514,000 | $ 140,000 | $ 80,000 |
| Clark County Nevada | 24 | $ 3,512,000 | $ 146,000 | $ 71,000 |
| Ada County Idaho | 22 | $ 3,465,000 | $ 157,000 | $ 101,000 |
| Sacramento County California | 17 | $ 2,548,000 | $ 149,000 | $ 70,000 |
| Ventura County California | 17 | $ 3,497,000 | $ 205,000 | $ 90,000 |
| DuPage County Illinois | 14 | $ 1,950,000 | $ 139,000 | $ 72,000 |
| Santa Barbara County California | 10 | $ 1,285,000 | $ 128,000 | $ 60,000 |
| Santa Clara County California | 10 | $ 1,728,000 | $ 172,000 | $ 66,000 |
| Kern County California | 9 | $ 857,000 | $ 95,000 | $ 62,000 |
| Mohave County Arizona | 8 | $ 761,000 | $ 95,000 | $ 41,000 |
| San Joaquin County California | 8 | $ 1,773,000 | $ 221,000 | $ 88,000 |
| Solano County California | 7 | $ 806,000 | $ 115,000 | $ 80,000 |
| Placer County California | 6 | $ 537,000 | $ 89,000 | $ 68,000 |
| El Dorado County California | 5 | $ 891,000 | $ 178,000 | $ 94,000 |
| San Luis Obispo County California | 5 | $ 814,000 | $ 162,000 | $ 59,000 |
| Washoe County Nevada | 5 | $ 751,000 | $ 150,000 | $ 91,000 |
| Davis County Utah | 5 | $ 698,000 | $ 139,000 | $ 94,000 |
| Madera County California | 4 | $ 721,000 | $ 180,000 | $ 119,000 |
| Monterey County California | 4 | $ 805,000 | $ 201,000 | $ 55,000 |
| Sonoma County California | 4 | $ 998,000 | $ 249,000 | $ 101,000 |
| Tuolumne County California | 4 | $ 648,000 | $ 162,000 | $ 48,000 |
| McHenry County Illinois | 4 | $ 562,000 | $ 140,000 | $ 80,000 |
| Summit County Utah | 4 | $ 886,000 | $ 221,000 | $ 138,000 |
| Imperial County California | 3 | $ 272,000 | $ 90,000 | $ 52,000 |
| Stanislaus County California | 3 | $ 349,000 | $ 116,000 | $ 58,000 |
| DeKalb County Illinois | 3 | $ 384,000 | $ 128,000 | $ 69,000 |
| Will County Illinois | 3 | $ 533,000 | $ 177,000 | $ 102,000 |
| Clackamas County Oregon | 3 | $ 331,000 | $ 110,000 | $ 52,000 |
| Chester County Pennsylvania | 3 | $ 668,000 | $ 222,000 | $ 131,000 |
| Robertson County Tennessee | 3 | $ 235,000 | $ 78,000 | $ 78,000 |
| Pima County Arizona | 2 | $ 255,000 | $ 127,000 | $ 41,000 |
| Yavapai County Arizona | 2 | $ 85,000 | $ 42,000 | $ 37,000 |
| Yuma County Arizona | 2 | $ 151,000 | $ 75,000 | $ 100,000 |
| Amador County California | 2 | $ 191,000 | $ 95,000 | $ 25,000 |
| Glenn County California | 2 | $ 404,000 | $ 202,000 | $ 73,000 |
| Merced County California | 2 | $ 178,000 | $ 89,000 | $ 51,000 |
| Napa County California | 2 | $ 340,000 | $ 170,000 | $ 109,000 |
| Nevada County California | 2 | $ 506,000 | $ 253,000 | $ 147,000 |
| Tulare County California | 2 | $ 118,000 | $ 59,000 | $ 74,000 |
| Jefferson County Colorado | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Palm Beach County Florida | 2 | $ 285,000 | $ 142,000 | $ 101,000 |
| Seminole County Florida | 2 | $ 336,000 | $ 168,000 | $ 117,000 |
| Kane County Illinois | 2 | $ 574,000 | $ 287,000 | $ 198,000 |
| Plymouth County Massachusetts | 2 | $ 356,000 | $ 178,000 | $ 99,000 |
| Rockingham County New Hampshire | 2 | $ 356,000 | $ 178,000 | $ 128,000 |
| Bernalillo County New Mexico | 2 | $ 143,000 | $ 71,000 | $ 75,000 |
| Tulsa County Oklahoma | 2 | $ 55,000 | $ 27,000 | $ 67,000 |
| Allegheny County Pennsylvania | 2 | $ 95,000 | $ 47,000 | $ 54,000 |
| Tarrant County Texas | 2 | $ 610,000 | $ 305,000 | $ 96,000 |
| Washington County Utah | 2 | $ 118,000 | $ 59,000 | $ 31,000 |
| King County Washington | 2 | $ 167,000 | $ 83,000 | $ 130,000 |
| Milwaukee County Wisconsin | 2 | $ 432,000 | $ 216,000 | $ 185,000 |
| Ozaukee County Wisconsin | 2 | $ 189,000 | $ 94,000 | $ 62,000 |
| Waukesha County Wisconsin | 2 | $ 566,000 | $ 283,000 | $ 135,000 |
| Navajo County Arizona | 1 | $ 50,000 | $ 50,000 | $ 54,000 |
| Pinal County Arizona | 1 | $ 119,000 | $ 119,000 | $ 68,000 |
| Benton County Arkansas | 1 | $ 42,000 | $ 42,000 | $ 74,000 |
| Fresno County California | 1 | $ 60,000 | $ 60,000 | $ 73,000 |
| Kings County California | 1 | $ 132,000 | $ 132,000 | $ 59,000 |
| Lake County California | 1 | $ 41,000 | $ 41,000 | $ 17,000 |
| Mariposa County California | 1 | $ 87,000 | $ 87,000 | $ 219,000 |
| San Benito County California | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| San Francisco County California | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| San Mateo County California | 1 | $ 229,000 | $ 229,000 | $ 40,000 |
| Santa Cruz County California | 1 | $ 107,000 | $ 107,000 | $ 74,000 |
| Siskiyou County California | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Tehama County California | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Yolo County California | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| El Paso County Colorado | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Duval County Florida | 1 | $ 288,000 | $ 288,000 | $ 110,000 |
| Bonner County Idaho | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Bureau County Illinois | 1 | $ 67,000 | $ 67,000 | $ 68,000 |
| Iroquois County Illinois | 1 | $ 60,000 | $ 60,000 | $ 43,000 |
| Lake County Illinois | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Winnebago County Illinois | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Decatur County Indiana | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| DeKalb County Indiana | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Lake County Indiana | 1 | $ 21,000 | $ 21,000 | $ 83,000 |
| Marion County Indiana | 1 | $ 74,000 | $ 74,000 | $ 87,000 |
| St. Joseph County Indiana | 1 | $ 165,000 | $ 165,000 | $ 156,000 |
| Polk County Iowa | 1 | $ 108,000 | $ 108,000 | $ 89,000 |
| Scott County Iowa | 1 | $ 17,000 | $ 17,000 | $ 68,000 |
| Johnson County Kansas | 1 | $ 247,000 | $ 247,000 | $ 95,000 |
| Osage County Kansas | 1 | $ 87,000 | $ 87,000 | $ 44,000 |
| Harford County Maryland | 1 | $ 260,000 | $ 260,000 | $ 100,000 |
| Hennepin County Minnesota | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Jackson County Missouri | 1 | $ 107,000 | $ 107,000 | $ 50,000 |
| St. Charles County Missouri | 1 | $ 266,000 | $ 266,000 | $ 120,000 |
| Broadwater County Montana | 1 | $ 114,000 | $ 114,000 | $ 30,000 |
| Sarpy County Nebraska | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Burlington County New Jersey | 1 | $ 156,000 | $ 156,000 | $ 112,000 |
| Ocean County New Jersey | 1 | $ 36,000 | $ 36,000 | $ 35,000 |
| Santa Fe County New Mexico | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Pushmataha County Oklahoma | 1 | $ 119,000 | $ 119,000 | $ 52,000 |
| Coos County Oregon | 1 | $ 94,000 | $ 94,000 | $ 49,000 |
| Marion County Oregon | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Cumberland County Pennsylvania | 1 | $ 316,000 | $ 316,000 | $ 134,000 |
| Jefferson County Pennsylvania | 1 | $ 78,000 | $ 78,000 | $ 75,000 |
| Kent County Rhode Island | 1 | $ 287,000 | $ 287,000 | $ 118,000 |
| Shelby County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Bexar County Texas | 1 | $ 262,000 | $ 262,000 | $ 121,000 |
| Lamoille County Vermont | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Clark County Washington | 1 | $ 167,000 | $ 167,000 | $ 67,000 |
| Island County Washington | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Pierce County Washington | 1 | $ 203,000 | $ 203,000 | $ 55,000 |
| Brown County Wisconsin | 1 | $ 73,000 | $ 73,000 | $ 70,000 |
| Racine County Wisconsin | 1 | $ 179,000 | $ 179,000 | $ 127,000 |
| Campbell County Wyoming | 1 | $ 116,000 | $ 116,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for American First Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 1,800 | $283,374,000 | $123,687 | $1,104,000 | $83,000 | $1,015,000 |
| Home Purchase (one-to-four family) | 165 | $39,506,000 | $164,789 | $1,108,000 | $75,052 | $317,000 |
| Home Improvement (one-to-four family) | 1 | $20,000 | $20,000 | $20,000 | $37,000 | $37,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 870 | $166,110,000 | $166,516 | $1,108,000 | $84,322 | $1,015,000 |
| Information not provided by applicant in mail or telephone application | 580 | $66,484,000 | $76,360 | $1,095,000 | $83,840 | $947,000 |
| Hispanic | 330 | $56,825,000 | $128,800 | $577,000 | $59,600 | $219,000 |
| Other | 83 | $14,272,000 | $159,250 | $308,000 | $88,166 | $212,000 |
| Asian or Pacific Islander | 55 | $11,317,000 | $165,666 | $431,000 | $81,666 | $227,000 |
| Black | 39 | $6,622,000 | $107,000 | $491,000 | $71,400 | $205,000 |
| American Indian or Alaskan Native | 9 | $1,270,000 | $128,750 | $211,000 | $69,000 | $101,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 1,965 | $322,782,000 | $131,885 | $1,108,000 | $80,000 | $1,015,000 |
| VA-guaranteed (Veterans Administration) | 1 | $118,000 | $118,000 | $118,000 | $76,000 | $76,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,521 | $256,583,000 | $136,812 | $1,108,000 | $79,625 | $520,000 |
| Application Withdrawn By Applicant | 299 | $46,936,000 | $142,761 | $1,034,000 | $90,904 | $1,015,000 |
| Application Denied By Financial Institution | 127 | $16,660,000 | $99,769 | $873,000 | $71,923 | $353,000 |
| File Closed For Incompleteness | 19 | $2,721,000 | $161,250 | $306,000 | $87,000 | $151,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 34 | $4,962,000 | $135,750 | $575,000 | $58,000 | $154,000 |
| Credit Application Incomplete | 33 | $4,723,000 | $150,285 | $400,000 | $101,714 | $330,000 |
| Credit History | 29 | $2,380,000 | $72,875 | $288,000 | $65,000 | $118,000 |
| Other | 7 | $522,000 | $64,000 | $158,000 | $34,000 | $103,000 |
| Unverifiable Information | 7 | $1,479,000 | $112,000 | $873,000 | $69,666 | $180,000 |
| Collateral | 4 | $446,000 | $91,666 | $311,000 | $108,333 | $353,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $400,000 | $80,000 | $131,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American First Credit Union's 2003 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 American First 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.