American First Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, American First Credit Union of Brea, CA reported 1,755 mortgage applications totaling $262.8 million, up 42% from 2004. The average application was for $149,764, and applicants reported an average income of $77,838. 78% of its applications resulted in an originated loan and 5% were denied. Its largest market was Santa Ana-Anaheim-Irvine, CA (500).
| 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 | 2025 2024 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 | 1,755 |
| Total Mortgage Loan Application Amount | $262,836,000 |
| Average Mortgage Loan Application Amount | $149,764 |
| Highest Mortgage Loan Application Amount | $4,812,000 |
| Average Applicant Income | $77,838 |
| Highest Applicant Income | $2,143,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American First Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange, California | 501 | $ 90,832,000 | $ 181,301 | $ 85,000 |
| Los Angeles, California | 354 | $ 52,168,000 | $ 147,367 | $ 85,000 |
| Riverside, California | 182 | $ 33,648,000 | $ 184,879 | $ 96,000 |
| San Bernardino, California | 160 | $ 21,325,000 | $ 133,281 | $ 73,000 |
| Maricopa, Arizona | 93 | $ 10,242,000 | $ 110,129 | $ 73,000 |
| San Diego, California | 40 | $ 5,110,000 | $ 127,750 | $ 82,000 |
| Clark, Nevada | 35 | $ 4,692,000 | $ 134,057 | $ 73,000 |
| Alameda, California | 23 | $ 3,690,000 | $ 160,434 | $ 82,000 |
| Cook, Illinois | 20 | $ 1,611,000 | $ 80,550 | $ 64,000 |
| Contra Costa, California | 16 | $ 2,224,000 | $ 139,000 | $ 74,000 |
| Ventura, California | 16 | $ 1,663,000 | $ 103,937 | $ 64,000 |
| Salt Lake, Utah | 14 | $ 1,589,000 | $ 113,500 | $ 77,000 |
| Sacramento, California | 13 | $ 1,793,000 | $ 137,923 | $ 95,000 |
| Santa Clara, California | 13 | $ 2,142,000 | $ 164,769 | $ 64,000 |
| Mohave, Arizona | 12 | $ 1,816,000 | $ 151,333 | $ 87,000 |
| Pima, Arizona | 11 | $ 948,000 | $ 86,181 | $ 67,000 |
| Kern, California | 11 | $ 963,000 | $ 87,545 | $ 61,000 |
| DuPage, Illinois | 11 | $ 944,000 | $ 85,818 | $ 70,000 |
| San Joaquin, California | 6 | $ 851,000 | $ 141,833 | $ 73,000 |
| Stanislaus, California | 6 | $ 338,000 | $ 56,333 | $ 86,000 |
| Yavapai, Arizona | 5 | $ 605,000 | $ 121,000 | $ 62,000 |
| Merced, California | 5 | $ 643,000 | $ 128,600 | $ 65,000 |
| Placer, California | 5 | $ 876,000 | $ 175,200 | $ 83,000 |
| San Luis Obispo, California | 5 | $ 1,423,000 | $ 284,600 | $ 98,000 |
| Santa Barbara, California | 5 | $ 530,000 | $ 106,000 | $ 67,000 |
| Ada, Idaho | 5 | $ 645,000 | $ 129,000 | $ 68,000 |
| Kane, Illinois | 5 | $ 867,000 | $ 173,400 | $ 130,000 |
| El Dorado, California | 4 | $ 213,000 | $ 53,250 | $ 72,000 |
| Fresno, California | 4 | $ 639,000 | $ 159,750 | $ 90,000 |
| Napa, California | 4 | $ 1,049,000 | $ 262,250 | $ 85,000 |
| San Mateo, California | 4 | $ 1,305,000 | $ 326,250 | $ 94,000 |
| Solano, California | 4 | $ 393,000 | $ 98,250 | $ 186,000 |
| Will, Illinois | 4 | $ 113,000 | $ 28,250 | $ 68,000 |
| Washoe, Nevada | 4 | $ 467,000 | $ 116,750 | $ 94,000 |
| Bernalillo, New Mexico | 4 | $ 261,000 | $ 65,250 | $ 44,000 |
| Cumberland, Pennsylvania | 4 | $ 374,000 | $ 93,500 | $ 88,000 |
| Humboldt, California | 3 | $ 556,000 | $ 185,333 | $ 136,000 |
| Monterey, California | 3 | $ 469,000 | $ 156,333 | $ 94,000 |
| Tuolumne, California | 3 | $ 234,000 | $ 78,000 | $ 117,000 |
| Douglas, Colorado | 3 | $ 186,000 | $ 62,000 | $ 47,000 |
| DeKalb, Illinois | 3 | $ 76,000 | $ 25,333 | $ 77,000 |
| Kendall, Illinois | 3 | $ 217,000 | $ 72,333 | $ 78,000 |
| McHenry, Illinois | 3 | $ 518,000 | $ 172,666 | $ 97,000 |
| Middlesex, Massachusetts | 3 | $ 350,000 | $ 116,666 | $ 101,000 |
| Pike, Pennsylvania | 3 | $ 381,000 | $ 127,000 | $ 43,000 |
| Utah, Utah | 3 | $ 371,000 | $ 123,666 | $ 43,000 |
| Pinal, Arizona | 2 | $ 105,000 | $ 52,500 | $ 98,000 |
| Benton, Arkansas | 2 | $ 125,000 | $ 62,500 | $ 119,000 |
| Nevada, California | 2 | $ 65,000 | $ 32,500 | $ 68,000 |
| Sierra, California | 2 | $ 158,000 | $ 79,000 | $ 43,000 |
| Tehama, California | 2 | $ 169,000 | $ 84,500 | $ 92,000 |
| El Paso, Colorado | 2 | $ 50,000 | $ 25,000 | $ 38,000 |
| Jefferson, Colorado | 2 | $ 64,000 | $ 32,000 | $ 77,000 |
| Orange, Florida | 2 | $ 103,000 | $ 51,500 | $ 41,000 |
| Palm Beach, Florida | 2 | $ 468,000 | $ 234,000 | $ 129,000 |
| Porter, Indiana | 2 | $ 37,000 | $ 18,500 | $ 41,000 |
| Pawnee, Kansas | 2 | $ 67,000 | $ 33,500 | $ 43,000 |
| Ouachita, Louisiana | 2 | $ 243,000 | $ 121,500 | $ 68,000 |
| Houghton, Michigan | 2 | $ 96,000 | $ 48,000 | $ 39,000 |
| Wayne, Michigan | 2 | $ 94,000 | $ 47,000 | $ 44,000 |
| Lee, Mississippi | 2 | $ 127,000 | $ 63,500 | $ 74,000 |
| Carson City, Nevada | 2 | $ 348,000 | $ 174,000 | $ 115,000 |
| Lyon, Nevada | 2 | $ 300,000 | $ 150,000 | $ 49,000 |
| Lea, New Mexico | 2 | $ 149,000 | $ 74,500 | $ 61,000 |
| Coos, Oregon | 2 | $ 264,000 | $ 132,000 | $ 28,000 |
| Pierce, Washington | 2 | $ 366,000 | $ 183,000 | $ 62,000 |
| Crawford, Wisconsin | 2 | $ 215,000 | $ 107,500 | $ 87,000 |
| Kenosha, Wisconsin | 2 | $ 168,000 | $ 84,000 | $ 98,000 |
| Campbell, Wyoming | 2 | $ 58,000 | $ 29,000 | $ 81,000 |
| Coconino, Arizona | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| Yuma, Arizona | 1 | $ 167,000 | $ 167,000 | $ 119,000 |
| Lafayette, Arkansas | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Washington, Arkansas | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Butte, California | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Del Norte, California | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Imperial, California | 1 | $ 42,000 | $ 42,000 | $ 79,000 |
| Inyo, California | 1 | $ 200,000 | $ 200,000 | $ 53,000 |
| Lassen, California | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Madera, California | 1 | $ 70,000 | $ 70,000 | $ 89,000 |
| San Francisco, California | 1 | $ 23,000 | $ 23,000 | $ 78,000 |
| Shasta, California | 1 | $ 322,000 | $ 322,000 | $ 80,000 |
| Yuba, California | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Montezuma, Colorado | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| New Castle, Delaware | 1 | $ 14,000 | $ 14,000 | $ 51,000 |
| Duval, Florida | 1 | $ 75,000 | $ 75,000 | $ 137,000 |
| St. Lucie, Florida | 1 | $ 236,000 | $ 236,000 | $ 112,000 |
| Blaine, Idaho | 1 | $ 279,000 | $ 279,000 | $ 96,000 |
| Christian, Illinois | 1 | $ 40,000 | $ 40,000 | $ 84,000 |
| Greene, Illinois | 1 | $ 12,000 | $ 12,000 | $ 52,000 |
| Grundy, Illinois | 1 | $ 117,000 | $ 117,000 | $ 80,000 |
| Kankakee, Illinois | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Lake, Illinois | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Hamilton, Indiana | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Lake, Indiana | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Steuben, Indiana | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Audubon, Iowa | 1 | $ 13,000 | $ 13,000 | $ 54,000 |
| Linn, Iowa | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Essex, Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 78,000 |
| Plymouth, Massachusetts | 1 | $ 46,000 | $ 46,000 | $ 65,000 |
| St. Clair, Michigan | 1 | $ 320,000 | $ 320,000 | $ 227,000 |
| Cass, Missouri | 1 | $ 18,000 | $ 18,000 | $ 130,000 |
| Cooper, Missouri | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Broadwater, Montana | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Gallatin, Montana | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Lincoln, Montana | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Douglas, Nebraska | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Nye, Nevada | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Belknap, New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Hillsborough, New Hampshire | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Rockingham, New Hampshire | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Sandoval, New Mexico | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Valencia, New Mexico | 1 | $ 23,000 | $ 23,000 | $ 40,000 |
| Mahoning, Ohio | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Warren, Ohio | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Delaware, Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Tulsa, Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Lane, Oregon | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Linn, Oregon | 1 | $ 107,000 | $ 107,000 | $ 82,000 |
| Multnomah, Oregon | 1 | $ 250,000 | $ 250,000 | $ 73,000 |
| Washington, Oregon | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Yamhill, Oregon | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| Chester, Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 115,000 |
| Lancaster, Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 102,000 |
| Greenville, South Carolina | 1 | $ 30,000 | $ 30,000 | $ 133,000 |
| Bexar, Texas | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Bowie, Texas | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Collin, Texas | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Dallas, Texas | 1 | $ 24,000 | $ 24,000 | $ 40,000 |
| Denton, Texas | 1 | $ 112,000 | $ 112,000 | $ 300,000 |
| Tarrant, Texas | 1 | $ 106,000 | $ 106,000 | $ 300,000 |
| Box Elder, Utah | 1 | $ 112,000 | $ 112,000 | $ 25,000 |
| Iron, Utah | 1 | $ 93,000 | $ 93,000 | $ 58,000 |
| Tooele, Utah | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
| Weber, Utah | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Island, Washington | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| King, Washington | 1 | $ 60,000 | $ 60,000 | $ 111,000 |
| Thurston, Washington | 1 | $ 20,000 | $ 20,000 | $ 100,000 |
| Mercer, West Virginia | 1 | $ 71,000 | $ 71,000 | $ 100,000 |
| Racine, Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 125,000 |
| Rock, Wisconsin | 1 | $ 13,000 | $ 13,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for American First Credit Union in 2005
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 | 1,607 | $221,894,000 | $66,344 | $4,812,000 | $69,551 | $1,440,000 |
| Home Purchase | 147 | $40,916,000 | $149,809 | $3,780,000 | $75,000 | $2,143,000 |
| Home Improvement | 1 | $26,000 | $26,000 | $26,000 | $19,000 | $19,000 |
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 | 806 | $124,826,000 | $93,379 | $1,920,000 | $69,931 | $964,000 |
| Not Provided | 501 | $60,617,000 | $71,782 | $3,780,000 | $74,130 | $2,143,000 |
| Hispanic | 373 | $64,112,000 | $121,300 | $4,812,000 | $60,400 | $1,440,000 |
| Asian | 34 | $5,892,000 | $131,800 | $623,000 | $162,600 | $540,000 |
| Black or African American | 27 | $4,948,000 | $85,000 | $553,000 | $82,333 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,081,000 | $160,000 | $316,000 | $115,000 | $294,000 |
| American Indian or Alaskan Native | 1 | $360,000 | $360,000 | $360,000 | $89,000 | $89,000 |
| 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) | 1,755 | $262,836,000 | $82,968 | $4,812,000 | $73,593 | $2,143,000 |
| 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 | 1,375 | $209,788,000 | $87,966 | $4,812,000 | $76,700 | $2,143,000 |
| Application Withdrawn By Applicant | 194 | $31,409,000 | $102,062 | $765,000 | $77,312 | $540,000 |
| Application Denied By Financial Institution | 93 | $10,543,000 | $70,454 | $665,000 | $53,909 | $294,000 |
| File Closed For Incompleteness | 89 | $9,831,000 | $106,250 | $610,000 | $71,375 | $1,440,000 |
| Preapproval Approved but not Accepted | 4 | $1,265,000 | $288,333 | $640,000 | $91,333 | $169,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 23 | $3,153,000 | $120,000 | $665,000 | $72,000 | $234,000 |
| Credit History | 18 | $801,000 | $50,400 | $110,000 | $68,200 | $136,000 |
| Other | 11 | $1,422,000 | $95,400 | $422,000 | $61,800 | $240,000 |
| Collateral | 9 | $2,150,000 | $151,000 | $460,000 | $43,000 | $91,000 |
| Credit Application Incomplete | 6 | $274,000 | $53,666 | $110,000 | $69,000 | $114,000 |
| Unverifiable Information | 5 | $455,000 | $91,000 | $150,000 | $113,000 | $195,000 |
| Mortgage Insurance Denied | 1 | $627,000 | $627,000 | $627,000 | $138,000 | $138,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American First Credit Union's 2005 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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