American First Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
American First Credit Union 2006 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 | 1,398 |
| Total Mortgage Loan Application Amount | $173,792,000 |
| Average Mortgage Loan Application Amount | $156,666 |
| Highest Mortgage Loan Application Amount | $5,090,000 |
| Average Applicant Income | $92,333 |
| Highest Applicant Income | $2,170,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 377 | $ 50,262,000 | $ 133,000 | $ 103,000 |
| Los Angeles County California | 323 | $ 42,701,000 | $ 132,000 | $ 85,000 |
| Riverside County California | 163 | $ 25,131,000 | $ 154,000 | $ 105,000 |
| San Bernardino County California | 120 | $ 14,373,000 | $ 119,000 | $ 72,000 |
| Maricopa County Arizona | 58 | $ 5,323,000 | $ 91,000 | $ 85,000 |
| San Diego County California | 30 | $ 3,005,000 | $ 100,000 | $ 86,000 |
| Cook County Illinois | 27 | $ 3,319,000 | $ 122,000 | $ 66,000 |
| Clark County Nevada | 24 | $ 2,316,000 | $ 96,000 | $ 81,000 |
| Contra Costa County California | 20 | $ 1,401,000 | $ 70,000 | $ 92,000 |
| Sacramento County California | 12 | $ 872,000 | $ 72,000 | $ 73,000 |
| Alameda County California | 10 | $ 867,000 | $ 86,000 | $ 81,000 |
| Ada County Idaho | 10 | $ 926,000 | $ 92,000 | $ 96,000 |
| Mohave County Arizona | 9 | $ 1,109,000 | $ 123,000 | $ 96,000 |
| Solano County California | 9 | $ 1,171,000 | $ 130,000 | $ 77,000 |
| Salt Lake County Utah | 9 | $ 682,000 | $ 75,000 | $ 118,000 |
| San Joaquin County California | 8 | $ 1,138,000 | $ 142,000 | $ 117,000 |
| Fresno County California | 7 | $ 938,000 | $ 134,000 | $ 64,000 |
| Kern County California | 7 | $ 485,000 | $ 69,000 | $ 55,000 |
| Ventura County California | 7 | $ 786,000 | $ 112,000 | $ 105,000 |
| Utah County Utah | 6 | $ 533,000 | $ 88,000 | $ 61,000 |
| Yavapai County Arizona | 5 | $ 1,110,000 | $ 222,000 | $ 64,000 |
| San Luis Obispo County California | 5 | $ 235,000 | $ 47,000 | $ 148,000 |
| Lake County Illinois | 5 | $ 243,000 | $ 48,000 | $ 91,000 |
| Pima County Arizona | 4 | $ 211,000 | $ 52,000 | $ 81,000 |
| Santa Barbara County California | 4 | $ 257,000 | $ 64,000 | $ 87,000 |
| DuPage County Illinois | 4 | $ 236,000 | $ 59,000 | $ 97,000 |
| Kings County California | 3 | $ 351,000 | $ 117,000 | $ 102,000 |
| Santa Clara County California | 3 | $ 920,000 | $ 306,000 | $ 67,000 |
| Stanislaus County California | 3 | $ 61,000 | $ 20,000 | $ 58,000 |
| Kane County Illinois | 3 | $ 503,000 | $ 167,000 | $ 131,000 |
| Lee County Mississippi | 3 | $ 131,000 | $ 43,000 | $ 127,000 |
| Bernalillo County New Mexico | 3 | $ 585,000 | $ 195,000 | $ 82,000 |
| Mecklenburg County North Carolina | 3 | $ 401,000 | $ 133,000 | $ 90,000 |
| Dallas County Texas | 3 | $ 207,000 | $ 69,000 | $ 66,000 |
| Imperial County California | 2 | $ 217,000 | $ 108,000 | $ 87,000 |
| Inyo County California | 2 | $ 400,000 | $ 200,000 | $ 145,000 |
| Nevada County California | 2 | $ 258,000 | $ 129,000 | $ 62,000 |
| Placer County California | 2 | $ 560,000 | $ 280,000 | $ 88,000 |
| San Mateo County California | 2 | $ 70,000 | $ 35,000 | $ 77,000 |
| Tuolumne County California | 2 | $ 70,000 | $ 35,000 | $ 53,000 |
| Santa Rosa County Florida | 2 | $ 280,000 | $ 140,000 | $ 680,000 |
| Kendall County Illinois | 2 | $ 299,000 | $ 149,000 | $ 75,000 |
| Hamilton County Indiana | 2 | $ 45,000 | $ 22,000 | $ 65,000 |
| Lake County Indiana | 2 | $ 217,000 | $ 108,000 | $ 69,000 |
| Steuben County Indiana | 2 | $ 246,000 | $ 123,000 | $ 45,000 |
| Lake County Montana | 2 | $ 85,000 | $ 42,000 | $ 24,000 |
| Nye County Nevada | 2 | $ 143,000 | $ 71,000 | $ 70,000 |
| Rockingham County New Hampshire | 2 | $ 103,000 | $ 51,000 | $ 92,000 |
| Bowie County Texas | 2 | $ 76,000 | $ 38,000 | $ 64,000 |
| King County Washington | 2 | $ 360,000 | $ 180,000 | $ 137,000 |
| Spokane County Washington | 2 | $ 60,000 | $ 30,000 | $ 78,000 |
| Baldwin County Alabama | 1 | $ 167,000 | $ 167,000 | $ 680,000 |
| Mobile County Alabama | 1 | $ 30,000 | $ 30,000 | $ 102,000 |
| Wrangell-Petersburg County Alaska | 1 | $ 40,000 | $ 40,000 | $ 348,000 |
| Coconino County Arizona | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Gila County Arizona | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| La Paz County Arizona | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Navajo County Arizona | 1 | $ 40,000 | $ 40,000 | $ 18,000 |
| Pinal County Arizona | 1 | $ 117,000 | $ 117,000 | $ 26,000 |
| Yuma County Arizona | 1 | $ 213,000 | $ 213,000 | $ 128,000 |
| Benton County Arkansas | 1 | $ 310,000 | $ 310,000 | $ 225,000 |
| Pope County Arkansas | 1 | $ 86,000 | $ 86,000 | $ 143,000 |
| Amador County California | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Colusa County California | 1 | $ 10,000 | $ 10,000 | $ 43,000 |
| El Dorado County California | 1 | $ 100,000 | $ 100,000 | $ 189,000 |
| Napa County California | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| San Benito County California | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Sierra County California | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| Sonoma County California | 1 | $ 100,000 | $ 100,000 | $ 82,000 |
| Sutter County California | 1 | $ 100,000 | $ 100,000 | $ 113,000 |
| Yolo County California | 1 | $ 320,000 | $ 320,000 | $ 62,000 |
| Montezuma County Colorado | 1 | $ 100,000 | $ 100,000 | $ 20,000 |
| Teller County Colorado | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| New Castle County Delaware | 1 | $ 20,000 | $ 20,000 | $ 89,000 |
| Bonneville County Idaho | 1 | $ 39,000 | $ 39,000 | $ 71,000 |
| Canyon County Idaho | 1 | $ 152,000 | $ 152,000 | $ 44,000 |
| DeKalb County Illinois | 1 | $ 20,000 | $ 20,000 | $ 68,000 |
| Greene County Illinois | 1 | $ 58,000 | $ 58,000 | $ 70,000 |
| Grundy County Illinois | 1 | $ 60,000 | $ 60,000 | $ 71,000 |
| Iroquois County Illinois | 1 | $ 27,000 | $ 27,000 | $ 78,000 |
| Kankakee County Illinois | 1 | $ 43,000 | $ 43,000 | $ 62,000 |
| McHenry County Illinois | 1 | $ 90,000 | $ 90,000 | $ 110,000 |
| Rock Island County Illinois | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Will County Illinois | 1 | $ 57,000 | $ 57,000 | $ 72,000 |
| Marion County Indiana | 1 | $ 72,000 | $ 72,000 | $ 95,000 |
| Cherokee County Kansas | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Barren County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 54,000 |
| Houghton County Michigan | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Jackson County Michigan | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Van Buren County Michigan | 1 | $ 114,000 | $ 114,000 | $ 146,000 |
| Buchanan County Missouri | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Greene County Missouri | 1 | $ 417,000 | $ 417,000 | $ 111,000 |
| Jackson County Missouri | 1 | $ 25,000 | $ 25,000 | $ 99,000 |
| Lincoln County Montana | 1 | $ 10,000 | $ 10,000 | $ 62,000 |
| Ravalli County Montana | 1 | $ 164,000 | $ 164,000 | $ 50,000 |
| Douglas County Nebraska | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Lyon County Nevada | 1 | $ 212,000 | $ 212,000 | $ 67,000 |
| Eddy County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Valencia County New Mexico | 1 | $ 55,000 | $ 55,000 | $ 122,000 |
| Mahoning County Ohio | 1 | $ 50,000 | $ 50,000 | $ 39,000 |
| Stark County Ohio | 1 | $ 56,000 | $ 56,000 | $ 50,000 |
| Warren County Ohio | 1 | $ 50,000 | $ 50,000 | $ 60,000 |
| Carter County Oklahoma | 1 | $ 53,000 | $ 53,000 | $ 76,000 |
| Deschutes County Oregon | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Josephine County Oregon | 1 | $ 54,000 | $ 54,000 | $ 88,000 |
| Jefferson County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Beaufort County South Carolina | 1 | $ 30,000 | $ 30,000 | $ 88,000 |
| Obion County Tennessee | 1 | $ 18,000 | $ 18,000 | $ 43,000 |
| Collin County Texas | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Fort Bend County Texas | 1 | $ 137,000 | $ 137,000 | $ 680,000 |
| Harris County Texas | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Tarrant County Texas | 1 | $ 196,000 | $ 196,000 | $ 332,000 |
| Iron County Utah | 1 | $ 20,000 | $ 20,000 | $ 72,000 |
| Clark County Washington | 1 | $ 175,000 | $ 175,000 | $ 41,000 |
| Pacific County Washington | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Pierce County Washington | 1 | $ 98,000 | $ 98,000 | $ 40,000 |
| Dane County Wisconsin | 1 | $ 216,000 | $ 216,000 | $ 72,000 |
| Racine County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 93,000 |
| Sauk County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 24,000 |
| Campbell County Wyoming | 1 | $ 74,000 | $ 74,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for American First Credit Union in 2006
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 | 1,323 | $153,646,000 | $116,000 | $5,090,000 | $90,000 | $2,170,000 |
| Home Purchase | 74 | $20,063,000 | $271,000 | $1,125,000 | $142,000 | $1,060,000 |
| Home Improvement | 1 | $83,000 | $83,000 | $83,000 | $45,000 | $45,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 940 | $103,477,000 | $110,000 | $5,090,000 | $95,000 | $2,170,000 |
| White | 268 | $38,663,000 | $144,000 | $770,000 | $91,000 | $1,060,000 |
| Hispanic | 158 | $25,890,000 | $163,000 | $588,000 | $74,000 | $235,000 |
| Black or African American | 15 | $2,184,000 | $145,000 | $419,000 | $98,000 | $265,000 |
| Asian | 13 | $2,746,000 | $211,000 | $600,000 | $104,000 | $341,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $512,000 | $170,000 | $417,000 | $96,000 | $138,000 |
| American Indian or Alaskan Native | 1 | $320,000 | $320,000 | $320,000 | $62,000 | $62,000 |
| 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) | 1,398 | $173,792,000 | $124,000 | $5,090,000 | $92,000 | $2,170,000 |
| 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 | 974 | $117,415,000 | $120,000 | $5,090,000 | $94,000 | $2,170,000 |
| Application Withdrawn By Applicant | 278 | $36,012,000 | $129,000 | $1,125,000 | $91,000 | $525,000 |
| Application Denied By Financial Institution | 98 | $12,666,000 | $129,000 | $570,000 | $76,000 | $450,000 |
| File Closed For Incompleteness | 43 | $6,664,000 | $154,000 | $696,000 | $101,000 | $395,000 |
| Preapproval Approved but not Accepted | 4 | $915,000 | $228,000 | $380,000 | $67,000 | $82,000 |
| Preapproval Denied by Financial Institution | 1 | $120,000 | $120,000 | $120,000 | $73,000 | $73,000 |
| 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 | 37 | $4,833,000 | $130,000 | $405,000 | $53,000 | $110,000 |
| Credit History | 25 | $3,268,000 | $130,000 | $570,000 | $82,000 | $178,000 |
| Other | 15 | $1,475,000 | $98,000 | $232,000 | $125,000 | $450,000 |
| Collateral | 13 | $2,035,000 | $156,000 | $390,000 | $74,000 | $136,000 |
| Unverifiable Information | 5 | $342,000 | $68,000 | $112,000 | $78,000 | $196,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $150,000 | $150,000 | $150,000 | $50,000 | $50,000 |
| Credit Application Incomplete | 1 | $150,000 | $150,000 | $150,000 | $129,000 | $129,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American First Credit Union's 2006 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.