American First Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
American First Credit Union 2004 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 | 1,232 |
| Total Mortgage Loan Application Amount | $216,303,000 |
| Average Mortgage Loan Application Amount | $148,740 |
| Highest Mortgage Loan Application Amount | $1,108,000 |
| Average Applicant Income | $89,180 |
| Highest Applicant Income | $780,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 284 | $ 53,216,000 | $ 187,000 | $ 68,000 |
| Orange County California | 284 | $ 59,722,000 | $ 210,000 | $ 95,000 |
| Riverside County California | 154 | $ 25,522,000 | $ 165,000 | $ 79,000 |
| San Bernardino County California | 140 | $ 23,150,000 | $ 165,000 | $ 71,000 |
| Maricopa County Arizona | 44 | $ 6,152,000 | $ 139,000 | $ 90,000 |
| San Diego County California | 32 | $ 7,433,000 | $ 232,000 | $ 84,000 |
| Cook County Illinois | 22 | $ 2,672,000 | $ 121,000 | $ 70,000 |
| Clark County Nevada | 20 | $ 2,628,000 | $ 131,000 | $ 72,000 |
| Alameda County California | 16 | $ 2,166,000 | $ 135,000 | $ 95,000 |
| Mohave County Arizona | 15 | $ 1,448,000 | $ 96,000 | $ 83,000 |
| Sacramento County California | 10 | $ 1,308,000 | $ 130,000 | $ 96,000 |
| Salt Lake County Utah | 10 | $ 1,428,000 | $ 142,000 | $ 103,000 |
| Contra Costa County California | 9 | $ 2,007,000 | $ 223,000 | $ 91,000 |
| Ada County Idaho | 8 | $ 1,466,000 | $ 183,000 | $ 123,000 |
| DuPage County Illinois | 8 | $ 917,000 | $ 114,000 | $ 87,000 |
| Ventura County California | 7 | $ 1,541,000 | $ 220,000 | $ 76,000 |
| Kern County California | 6 | $ 771,000 | $ 128,000 | $ 56,000 |
| Placer County California | 5 | $ 794,000 | $ 158,000 | $ 79,000 |
| San Joaquin County California | 5 | $ 778,000 | $ 155,000 | $ 91,000 |
| Santa Barbara County California | 5 | $ 701,000 | $ 140,000 | $ 58,000 |
| Pima County Arizona | 4 | $ 240,000 | $ 60,000 | $ 54,000 |
| Merced County California | 4 | $ 495,000 | $ 123,000 | $ 62,000 |
| Santa Clara County California | 4 | $ 874,000 | $ 218,000 | $ 58,000 |
| Solano County California | 4 | $ 440,000 | $ 110,000 | $ 99,000 |
| El Dorado County California | 3 | $ 870,000 | $ 290,000 | $ 91,000 |
| Nevada County California | 3 | $ 905,000 | $ 301,000 | $ 182,000 |
| San Mateo County California | 3 | $ 867,000 | $ 289,000 | $ 86,000 |
| Stanislaus County California | 3 | $ 268,000 | $ 89,000 | $ 74,000 |
| El Paso County Colorado | 3 | $ 169,000 | $ 56,000 | $ 45,000 |
| Will County Illinois | 3 | $ 245,000 | $ 81,000 | $ 68,000 |
| Lake County Indiana | 3 | $ 119,000 | $ 39,000 | $ 91,000 |
| Johnson County Kansas | 3 | $ 350,000 | $ 116,000 | $ 86,000 |
| Pike County Pennsylvania | 3 | $ 194,000 | $ 64,000 | $ 66,000 |
| Harris County Texas | 3 | $ 267,000 | $ 89,000 | $ 91,000 |
| Coconino County Arizona | 2 | $ 395,000 | $ 197,000 | $ 182,000 |
| Yavapai County Arizona | 2 | $ 111,000 | $ 55,000 | $ 80,000 |
| Fresno County California | 2 | $ 422,000 | $ 211,000 | $ 77,000 |
| Madera County California | 2 | $ 461,000 | $ 230,000 | $ 82,000 |
| Monterey County California | 2 | $ 509,000 | $ 254,000 | $ 96,000 |
| Napa County California | 2 | $ 70,000 | $ 35,000 | $ 54,000 |
| San Luis Obispo County California | 2 | $ 308,000 | $ 154,000 | $ 62,000 |
| Sutter County California | 2 | $ 177,000 | $ 88,000 | $ 49,000 |
| Tuolumne County California | 2 | $ 215,000 | $ 107,000 | $ 52,000 |
| Douglas County Colorado | 2 | $ 264,000 | $ 132,000 | $ 86,000 |
| Palm Beach County Florida | 2 | $ 522,000 | $ 261,000 | $ 69,000 |
| DeKalb County Illinois | 2 | $ 378,000 | $ 189,000 | $ 115,000 |
| Lake County Illinois | 2 | $ 408,000 | $ 204,000 | $ 128,000 |
| McHenry County Illinois | 2 | $ 50,000 | $ 25,000 | $ 33,000 |
| Middlesex County Massachusetts | 2 | $ 595,000 | $ 297,000 | $ 157,000 |
| Ocean County New Jersey | 2 | $ 255,000 | $ 127,000 | $ 58,000 |
| Bernalillo County New Mexico | 2 | $ 262,000 | $ 131,000 | $ 117,000 |
| Mecklenburg County North Carolina | 2 | $ 278,000 | $ 139,000 | $ 104,000 |
| Clackamas County Oregon | 2 | $ 201,000 | $ 100,000 | $ 72,000 |
| Multnomah County Oregon | 2 | $ 433,000 | $ 216,000 | $ 70,000 |
| Cumberland County Pennsylvania | 2 | $ 424,000 | $ 212,000 | $ 107,000 |
| Summit County Utah | 2 | $ 278,000 | $ 139,000 | $ 126,000 |
| Washington County Utah | 2 | $ 187,000 | $ 93,000 | $ 49,000 |
| Pierce County Washington | 2 | $ 67,000 | $ 33,000 | $ 76,000 |
| Jefferson County Alabama | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Gila County Arizona | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Benton County Arkansas | 1 | $ 128,000 | $ 128,000 | $ 79,000 |
| Calaveras County California | 1 | $ 20,000 | $ 20,000 | $ 77,000 |
| Colusa County California | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Imperial County California | 1 | $ 12,000 | $ 12,000 | $ 33,000 |
| San Benito County California | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Siskiyou County California | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Sonoma County California | 1 | $ 218,000 | $ 218,000 | $ 85,000 |
| Larimer County Colorado | 1 | $ 200,000 | $ 200,000 | $ 149,000 |
| Hartford County Connecticut | 1 | $ 166,000 | $ 166,000 | $ 46,000 |
| Hillsborough County Florida | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Seminole County Florida | 1 | $ 45,000 | $ 45,000 | $ 142,000 |
| Hawaii County Hawaii | 1 | $ 212,000 | $ 212,000 | $ 83,000 |
| Blaine County Idaho | 1 | $ 795,000 | $ 795,000 | $ 702,000 |
| Bonner County Idaho | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Kootenai County Idaho | 1 | $ 228,000 | $ 228,000 | $ 75,000 |
| Kane County Illinois | 1 | $ 45,000 | $ 45,000 | $ 72,000 |
| Massac County Illinois | 1 | $ 35,000 | $ 35,000 | $ 221,000 |
| DeKalb County Indiana | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Hamilton County Indiana | 1 | $ 151,000 | $ 151,000 | $ 56,000 |
| Johnson County Indiana | 1 | $ 80,000 | $ 80,000 | $ 55,000 |
| LaPorte County Indiana | 1 | $ 140,000 | $ 140,000 | $ 177,000 |
| Marion County Indiana | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Cherokee County Kansas | 1 | $ 140,000 | $ 140,000 | $ 38,000 |
| Howard County Maryland | 1 | $ 167,000 | $ 167,000 | $ 170,000 |
| Carver County Minnesota | 1 | $ 189,000 | $ 189,000 | $ 145,000 |
| Hickory County Missouri | 1 | $ 29,000 | $ 29,000 | $ 100,000 |
| Flathead County Montana | 1 | $ 114,000 | $ 114,000 | $ 54,000 |
| Gallatin County Montana | 1 | $ 171,000 | $ 171,000 | $ 129,000 |
| Douglas County Nevada | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| Washoe County Nevada | 1 | $ 277,000 | $ 277,000 | $ 92,000 |
| Hillsborough County New Hampshire | 1 | $ 161,000 | $ 161,000 | $ 66,000 |
| Rockingham County New Hampshire | 1 | $ 350,000 | $ 350,000 | $ 147,000 |
| Cibola County New Mexico | 1 | $ 30,000 | $ 30,000 | $ 52,000 |
| Lea County New Mexico | 1 | $ 16,000 | $ 16,000 | $ 72,000 |
| Johnston County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 79,000 |
| Union County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 66,000 |
| Marion County Ohio | 1 | $ 88,000 | $ 88,000 | $ 76,000 |
| Umatilla County Oregon | 1 | $ 10,000 | $ 10,000 | $ 14,000 |
| Washington County Oregon | 1 | $ 176,000 | $ 176,000 | $ 70,000 |
| Cambria County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 35,000 |
| Minnehaha County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Dallas County Texas | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Cache County Utah | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Weber County Utah | 1 | $ 27,000 | $ 27,000 | $ 56,000 |
| Fairfax County Virginia | 1 | $ 150,000 | $ 150,000 | $ 159,000 |
| Loudoun County Virginia | 1 | $ 313,000 | $ 313,000 | $ 160,000 |
| Virginia Beach County Virginia | 1 | $ 141,000 | $ 141,000 | $ 50,000 |
| Clark County Washington | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
| King County Washington | 1 | $ 30,000 | $ 30,000 | $ 104,000 |
| Rock County Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 48,000 |
| Sawyer County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Waukesha County Wisconsin | 1 | $ 281,000 | $ 281,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for American First Credit Union in 2004
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 | 1,066 | $178,302,000 | $117,320 | $1,108,000 | $97,760 | $780,000 |
| Home Purchase | 166 | $38,001,000 | $180,160 | $628,000 | $80,600 | $300,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 731 | $111,543,000 | $105,692 | $1,108,000 | $94,076 | $780,000 |
| White | 301 | $61,124,000 | $202,700 | $635,000 | $99,850 | $300,000 |
| Hispanic | 161 | $34,630,000 | $134,333 | $577,000 | $62,111 | $261,000 |
| Asian | 24 | $5,436,000 | $152,000 | $339,000 | $55,000 | $160,000 |
| Black or African American | 12 | $2,902,000 | $149,666 | $752,000 | $63,333 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $461,000 | $230,000 | $320,000 | $148,000 | $223,000 |
| American Indian or Alaskan Native | 1 | $207,000 | $207,000 | $207,000 | $67,000 | $67,000 |
| 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) | 1,232 | $216,303,000 | $135,225 | $1,108,000 | $88,935 | $780,000 |
| 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 |
| VA-guaranteed (Veterans Administration) | 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 | 981 | $177,501,000 | $139,833 | $1,108,000 | $95,533 | $702,000 |
| Application Withdrawn By Applicant | 156 | $25,771,000 | $130,636 | $635,000 | $73,181 | $268,000 |
| Application Denied By Financial Institution | 74 | $8,552,000 | $106,583 | $750,000 | $65,000 | $780,000 |
| File Closed For Incompleteness | 20 | $4,295,000 | $173,333 | $479,000 | $87,333 | $132,000 |
| Application Approved But Not Accepted | 1 | $184,000 | $184,000 | $184,000 | $75,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 27 | $2,167,000 | $55,800 | $560,000 | $60,800 | $197,000 |
| Credit History | 17 | $1,837,000 | $65,500 | $423,000 | $60,500 | $144,000 |
| Debt-To-Income Ratio | 12 | $1,880,000 | $179,000 | $570,000 | $75,600 | $187,000 |
| Collateral | 4 | $1,097,000 | $274,000 | $750,000 | $234,000 | $780,000 |
| Unverifiable Information | 4 | $783,000 | $244,000 | $411,000 | $80,666 | $133,000 |
| Other | 3 | $206,000 | $68,000 | $161,000 | $57,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $265,000 | $88,000 | $180,000 | $36,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American First Credit Union's 2004 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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