American First Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
American First Credit Union 2005 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 | 1,755 |
| Total Mortgage Loan Application Amount | $262,836,000 |
| Average Mortgage Loan Application Amount | $99,921 |
| Highest Mortgage Loan Application Amount | $4,812,000 |
| Average Applicant Income | $70,803 |
| Highest Applicant Income | $2,143,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County California | 501 | $ 90,832,000 | $ 181,000 | $ 85,000 |
| Los Angeles County California | 354 | $ 52,168,000 | $ 147,000 | $ 85,000 |
| Riverside County California | 182 | $ 33,648,000 | $ 184,000 | $ 96,000 |
| San Bernardino County California | 160 | $ 21,325,000 | $ 133,000 | $ 73,000 |
| Maricopa County Arizona | 93 | $ 10,242,000 | $ 110,000 | $ 73,000 |
| San Diego County California | 40 | $ 5,110,000 | $ 127,000 | $ 82,000 |
| Clark County Nevada | 35 | $ 4,692,000 | $ 134,000 | $ 73,000 |
| Alameda County California | 23 | $ 3,690,000 | $ 160,000 | $ 82,000 |
| Cook County Illinois | 20 | $ 1,611,000 | $ 80,000 | $ 64,000 |
| Contra Costa County California | 16 | $ 2,224,000 | $ 139,000 | $ 74,000 |
| Ventura County California | 16 | $ 1,663,000 | $ 103,000 | $ 64,000 |
| Salt Lake County Utah | 14 | $ 1,589,000 | $ 113,000 | $ 77,000 |
| Sacramento County California | 13 | $ 1,793,000 | $ 137,000 | $ 95,000 |
| Santa Clara County California | 13 | $ 2,142,000 | $ 164,000 | $ 64,000 |
| Mohave County Arizona | 12 | $ 1,816,000 | $ 151,000 | $ 87,000 |
| Pima County Arizona | 11 | $ 948,000 | $ 86,000 | $ 67,000 |
| Kern County California | 11 | $ 963,000 | $ 87,000 | $ 61,000 |
| DuPage County Illinois | 11 | $ 944,000 | $ 85,000 | $ 70,000 |
| San Joaquin County California | 6 | $ 851,000 | $ 141,000 | $ 73,000 |
| Stanislaus County California | 6 | $ 338,000 | $ 56,000 | $ 86,000 |
| Yavapai County Arizona | 5 | $ 605,000 | $ 121,000 | $ 62,000 |
| Merced County California | 5 | $ 643,000 | $ 128,000 | $ 65,000 |
| Placer County California | 5 | $ 876,000 | $ 175,000 | $ 83,000 |
| San Luis Obispo County California | 5 | $ 1,423,000 | $ 284,000 | $ 98,000 |
| Santa Barbara County California | 5 | $ 530,000 | $ 106,000 | $ 67,000 |
| Ada County Idaho | 5 | $ 645,000 | $ 129,000 | $ 68,000 |
| Kane County Illinois | 5 | $ 867,000 | $ 173,000 | $ 130,000 |
| El Dorado County California | 4 | $ 213,000 | $ 53,000 | $ 72,000 |
| Fresno County California | 4 | $ 639,000 | $ 159,000 | $ 90,000 |
| Napa County California | 4 | $ 1,049,000 | $ 262,000 | $ 85,000 |
| San Mateo County California | 4 | $ 1,305,000 | $ 326,000 | $ 94,000 |
| Solano County California | 4 | $ 393,000 | $ 98,000 | $ 186,000 |
| Will County Illinois | 4 | $ 113,000 | $ 28,000 | $ 68,000 |
| Washoe County Nevada | 4 | $ 467,000 | $ 116,000 | $ 94,000 |
| Bernalillo County New Mexico | 4 | $ 261,000 | $ 65,000 | $ 44,000 |
| Cumberland County Pennsylvania | 4 | $ 374,000 | $ 93,000 | $ 88,000 |
| Humboldt County California | 3 | $ 556,000 | $ 185,000 | $ 136,000 |
| Monterey County California | 3 | $ 469,000 | $ 156,000 | $ 94,000 |
| Tuolumne County California | 3 | $ 234,000 | $ 78,000 | $ 117,000 |
| Douglas County Colorado | 3 | $ 186,000 | $ 62,000 | $ 47,000 |
| DeKalb County Illinois | 3 | $ 76,000 | $ 25,000 | $ 77,000 |
| Kendall County Illinois | 3 | $ 217,000 | $ 72,000 | $ 78,000 |
| McHenry County Illinois | 3 | $ 518,000 | $ 172,000 | $ 97,000 |
| Middlesex County Massachusetts | 3 | $ 350,000 | $ 116,000 | $ 101,000 |
| Pike County Pennsylvania | 3 | $ 381,000 | $ 127,000 | $ 43,000 |
| Utah County Utah | 3 | $ 371,000 | $ 123,000 | $ 43,000 |
| Pinal County Arizona | 2 | $ 105,000 | $ 52,000 | $ 98,000 |
| Benton County Arkansas | 2 | $ 125,000 | $ 62,000 | $ 119,000 |
| Nevada County California | 2 | $ 65,000 | $ 32,000 | $ 68,000 |
| Sierra County California | 2 | $ 158,000 | $ 79,000 | $ 43,000 |
| Tehama County California | 2 | $ 169,000 | $ 84,000 | $ 92,000 |
| El Paso County Colorado | 2 | $ 50,000 | $ 25,000 | $ 38,000 |
| Jefferson County Colorado | 2 | $ 64,000 | $ 32,000 | $ 77,000 |
| Orange County Florida | 2 | $ 103,000 | $ 51,000 | $ 41,000 |
| Palm Beach County Florida | 2 | $ 468,000 | $ 234,000 | $ 129,000 |
| Porter County Indiana | 2 | $ 37,000 | $ 18,000 | $ 41,000 |
| Pawnee County Kansas | 2 | $ 67,000 | $ 33,000 | $ 43,000 |
| Ouachita County Louisiana | 2 | $ 243,000 | $ 121,000 | $ 68,000 |
| Houghton County Michigan | 2 | $ 96,000 | $ 48,000 | $ 39,000 |
| Wayne County Michigan | 2 | $ 94,000 | $ 47,000 | $ 44,000 |
| Lee County Mississippi | 2 | $ 127,000 | $ 63,000 | $ 74,000 |
| Carson City County Nevada | 2 | $ 348,000 | $ 174,000 | $ 115,000 |
| Lyon County Nevada | 2 | $ 300,000 | $ 150,000 | $ 49,000 |
| Lea County New Mexico | 2 | $ 149,000 | $ 74,000 | $ 61,000 |
| Coos County Oregon | 2 | $ 264,000 | $ 132,000 | $ 28,000 |
| Pierce County Washington | 2 | $ 366,000 | $ 183,000 | $ 62,000 |
| Crawford County Wisconsin | 2 | $ 215,000 | $ 107,000 | $ 87,000 |
| Kenosha County Wisconsin | 2 | $ 168,000 | $ 84,000 | $ 98,000 |
| Campbell County Wyoming | 2 | $ 58,000 | $ 29,000 | $ 81,000 |
| Coconino County Arizona | 1 | $ 166,000 | $ 166,000 | $ 65,000 |
| Yuma County Arizona | 1 | $ 167,000 | $ 167,000 | $ 119,000 |
| Lafayette County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Washington County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 64,000 |
| Butte County California | 1 | $ 50,000 | $ 50,000 | $ 55,000 |
| Del Norte County California | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Imperial County California | 1 | $ 42,000 | $ 42,000 | $ 79,000 |
| Inyo County California | 1 | $ 200,000 | $ 200,000 | $ 53,000 |
| Lassen County California | 1 | $ 20,000 | $ 20,000 | $ 66,000 |
| Madera County California | 1 | $ 70,000 | $ 70,000 | $ 89,000 |
| San Francisco County California | 1 | $ 23,000 | $ 23,000 | $ 78,000 |
| Shasta County California | 1 | $ 322,000 | $ 322,000 | $ 80,000 |
| Yuba County California | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Montezuma County Colorado | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| New Castle County Delaware | 1 | $ 14,000 | $ 14,000 | $ 51,000 |
| Duval County Florida | 1 | $ 75,000 | $ 75,000 | $ 137,000 |
| St. Lucie County Florida | 1 | $ 236,000 | $ 236,000 | $ 112,000 |
| Blaine County Idaho | 1 | $ 279,000 | $ 279,000 | $ 96,000 |
| Christian County Illinois | 1 | $ 40,000 | $ 40,000 | $ 84,000 |
| Greene County Illinois | 1 | $ 12,000 | $ 12,000 | $ 52,000 |
| Grundy County Illinois | 1 | $ 117,000 | $ 117,000 | $ 80,000 |
| Kankakee County Illinois | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Lake County Illinois | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Hamilton County Indiana | 1 | $ 20,000 | $ 20,000 | $ 56,000 |
| Lake County Indiana | 1 | $ 30,000 | $ 30,000 | $ 90,000 |
| Steuben County Indiana | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Audubon County Iowa | 1 | $ 13,000 | $ 13,000 | $ 54,000 |
| Linn County Iowa | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Essex County Massachusetts | 1 | $ 20,000 | $ 20,000 | $ 78,000 |
| Plymouth County Massachusetts | 1 | $ 46,000 | $ 46,000 | $ 65,000 |
| St. Clair County Michigan | 1 | $ 320,000 | $ 320,000 | $ 227,000 |
| Cass County Missouri | 1 | $ 18,000 | $ 18,000 | $ 130,000 |
| Cooper County Missouri | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Broadwater County Montana | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Gallatin County Montana | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Lincoln County Montana | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Douglas County Nebraska | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Nye County Nevada | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Belknap County New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Hillsborough County New Hampshire | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Rockingham County New Hampshire | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Sandoval County New Mexico | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Valencia County New Mexico | 1 | $ 23,000 | $ 23,000 | $ 40,000 |
| Mahoning County Ohio | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Warren County Ohio | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Delaware County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 38,000 |
| Tulsa County Oklahoma | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Lane County Oregon | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Linn County Oregon | 1 | $ 107,000 | $ 107,000 | $ 82,000 |
| Multnomah County Oregon | 1 | $ 250,000 | $ 250,000 | $ 73,000 |
| Washington County Oregon | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Yamhill County Oregon | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| Chester County Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 115,000 |
| Lancaster County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 102,000 |
| Greenville County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 133,000 |
| Bexar County Texas | 1 | $ 83,000 | $ 83,000 | $ 31,000 |
| Bowie County Texas | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Collin County Texas | 1 | $ 170,000 | $ 170,000 | $ 100,000 |
| Dallas County Texas | 1 | $ 24,000 | $ 24,000 | $ 40,000 |
| Denton County Texas | 1 | $ 112,000 | $ 112,000 | $ 300,000 |
| Tarrant County Texas | 1 | $ 106,000 | $ 106,000 | $ 300,000 |
| Box Elder County Utah | 1 | $ 112,000 | $ 112,000 | $ 25,000 |
| Iron County Utah | 1 | $ 93,000 | $ 93,000 | $ 58,000 |
| Tooele County Utah | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
| Weber County Utah | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Island County Washington | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| King County Washington | 1 | $ 60,000 | $ 60,000 | $ 111,000 |
| Thurston County Washington | 1 | $ 20,000 | $ 20,000 | $ 100,000 |
| Mercer County West Virginia | 1 | $ 71,000 | $ 71,000 | $ 100,000 |
| Racine County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 125,000 |
| Rock County 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.