American First Credit Union Mortgage Lending & HMDA Data, 2007
In 2007, American First Credit Union of Brea, CA reported 1,291 mortgage applications totaling $190.8 million, down 8% from 2006. The average application was for $147,761, and applicants reported an average income of $100,976. 66% of its applications resulted in an originated loan and 14% were denied. Its largest market was Santa Ana-Anaheim-Irvine, CA (349).
| 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 | 1,291 |
| Total Mortgage Loan Application Amount | $190,760,000 |
| Average Mortgage Loan Application Amount | $147,761 |
| Highest Mortgage Loan Application Amount | $1,481,000 |
| Average Applicant Income | $100,976 |
| Highest Applicant Income | $908,000 |
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records American First Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 351 | $ 57,057,000 | $ 162,555 | $ 112,000 |
| Los Angeles, California | 265 | $ 39,807,000 | $ 150,215 | $ 92,000 |
| Riverside, California | 138 | $ 21,415,000 | $ 155,181 | $ 102,000 |
| San Bernardino, California | 133 | $ 17,273,000 | $ 129,872 | $ 91,000 |
| San Diego, California | 34 | $ 5,575,000 | $ 163,970 | $ 123,000 |
| Maricopa, Arizona | 32 | $ 4,604,000 | $ 143,875 | $ 104,000 |
| Clark, Nevada | 24 | $ 3,174,000 | $ 132,250 | $ 82,000 |
| Alameda, California | 20 | $ 3,343,000 | $ 167,150 | $ 121,000 |
| Cook, Illinois | 19 | $ 2,240,000 | $ 117,894 | $ 76,000 |
| Ventura, California | 16 | $ 3,132,000 | $ 195,750 | $ 112,000 |
| Salt Lake, Utah | 12 | $ 1,155,000 | $ 96,250 | $ 122,000 |
| Mohave, Arizona | 11 | $ 1,048,000 | $ 95,272 | $ 105,000 |
| Sacramento, California | 11 | $ 1,319,000 | $ 119,909 | $ 87,000 |
| Solano, California | 10 | $ 343,000 | $ 34,300 | $ 111,000 |
| Stanislaus, California | 9 | $ 885,000 | $ 98,333 | $ 104,000 |
| Santa Clara, California | 8 | $ 1,205,000 | $ 150,625 | $ 108,000 |
| Contra Costa, California | 7 | $ 857,000 | $ 122,428 | $ 90,000 |
| San Joaquin, California | 7 | $ 1,264,000 | $ 180,571 | $ 91,000 |
| DuPage, Illinois | 7 | $ 704,000 | $ 100,571 | $ 142,000 |
| Ada, Idaho | 5 | $ 838,000 | $ 167,600 | $ 70,000 |
| Santa Barbara, California | 4 | $ 566,000 | $ 141,500 | $ 84,000 |
| Bernalillo, New Mexico | 4 | $ 98,000 | $ 24,500 | $ 48,000 |
| Pinal, Arizona | 3 | $ 112,000 | $ 37,333 | $ 27,000 |
| Yavapai, Arizona | 3 | $ 435,000 | $ 145,000 | $ 51,000 |
| Kern, California | 3 | $ 171,000 | $ 57,000 | $ 68,000 |
| Merced, California | 3 | $ 189,000 | $ 63,000 | $ 84,000 |
| San Mateo, California | 3 | $ 366,000 | $ 122,000 | $ 76,000 |
| Santa Cruz, California | 3 | $ 145,000 | $ 48,333 | $ 40,000 |
| Sonoma, California | 3 | $ 269,000 | $ 89,666 | $ 74,000 |
| Yolo, California | 3 | $ 428,000 | $ 142,666 | $ 96,000 |
| DeKalb, Illinois | 3 | $ 392,000 | $ 130,666 | $ 61,000 |
| Kane, Illinois | 3 | $ 246,000 | $ 82,000 | $ 72,000 |
| Kendall, Illinois | 3 | $ 367,000 | $ 122,333 | $ 84,000 |
| Will, Illinois | 3 | $ 74,000 | $ 24,666 | $ 63,000 |
| Lyon, Nevada | 3 | $ 439,000 | $ 146,333 | $ 69,000 |
| Pierce, Washington | 3 | $ 318,000 | $ 106,000 | $ 69,000 |
| Spokane, Washington | 3 | $ 336,000 | $ 112,000 | $ 96,000 |
| La Paz, Arizona | 2 | $ 396,000 | $ 198,000 | $ 192,000 |
| Pima, Arizona | 2 | $ 138,000 | $ 69,000 | $ 79,000 |
| Yuma, Arizona | 2 | $ 214,000 | $ 107,000 | $ 77,000 |
| Butte, California | 2 | $ 70,000 | $ 35,000 | $ 41,000 |
| El Dorado, California | 2 | $ 145,000 | $ 72,500 | $ 133,000 |
| Fresno, California | 2 | $ 773,000 | $ 386,500 | $ 74,000 |
| Kings, California | 2 | $ 363,000 | $ 181,500 | $ 60,000 |
| Madera, California | 2 | $ 252,000 | $ 126,000 | $ 173,000 |
| Placer, California | 2 | $ 165,000 | $ 82,500 | $ 113,000 |
| Palm Beach, Florida | 2 | $ 432,000 | $ 216,000 | $ 144,000 |
| Lake, Illinois | 2 | $ 220,000 | $ 110,000 | $ 94,000 |
| McHenry, Illinois | 2 | $ 56,000 | $ 28,000 | $ 55,000 |
| McLean, Illinois | 2 | $ 204,000 | $ 102,000 | $ 61,000 |
| Lake, Indiana | 2 | $ 127,000 | $ 63,500 | $ 47,000 |
| Plymouth, Massachusetts | 2 | $ 390,000 | $ 195,000 | $ 235,000 |
| Rockingham, New Hampshire | 2 | $ 120,000 | $ 60,000 | $ 138,000 |
| Lea, New Mexico | 2 | $ 40,000 | $ 20,000 | $ 87,000 |
| King, Washington | 2 | $ 635,000 | $ 317,500 | $ 96,000 |
| Coconino, Arizona | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Gila, Arizona | 1 | $ 367,000 | $ 367,000 | $ 197,000 |
| Navajo, Arizona | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Faulkner, Arkansas | 1 | $ 14,000 | $ 14,000 | $ 29,000 |
| Calaveras, California | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Imperial, California | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Inyo, California | 1 | $ 62,000 | $ 62,000 | $ 94,000 |
| Lake, California | 1 | $ 348,000 | $ 348,000 | $ 106,000 |
| Lassen, California | 1 | $ 76,000 | $ 76,000 | $ 32,000 |
| Monterey, California | 1 | $ 60,000 | $ 60,000 | $ 94,000 |
| San Luis Obispo, California | 1 | $ 315,000 | $ 315,000 | $ 46,000 |
| Tehama, California | 1 | $ 42,000 | $ 42,000 | $ 62,000 |
| Yuba, California | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Arapahoe, Colorado | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Denver, Colorado | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Douglas, Colorado | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| El Paso, Colorado | 1 | $ 41,000 | $ 41,000 | $ 81,000 |
| New Haven, Connecticut | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| Honolulu, Hawaii | 1 | $ 243,000 | $ 243,000 | $ 164,000 |
| Blaine, Idaho | 1 | $ 1,350,000 | $ 1,350,000 | $ 639,000 |
| Christian, Illinois | 1 | $ 76,000 | $ 76,000 | $ 71,000 |
| Grundy, Illinois | 1 | $ 69,000 | $ 69,000 | $ 75,000 |
| LaSalle, Illinois | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| McDonough, Illinois | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Piatt, Illinois | 1 | $ 24,000 | $ 24,000 | $ 157,000 |
| Hamilton, Indiana | 1 | $ 23,000 | $ 23,000 | $ 46,000 |
| Marion, Indiana | 1 | $ 345,000 | $ 345,000 | $ 133,000 |
| Johnson, Kansas | 1 | $ 53,000 | $ 53,000 | $ 88,000 |
| Osage, Kansas | 1 | $ 11,000 | $ 11,000 | $ 104,000 |
| Baltimore, Maryland | 1 | $ 93,000 | $ 93,000 | $ 172,000 |
| Prince George's, Maryland | 1 | $ 242,000 | $ 242,000 | $ 93,000 |
| Franklin, Massachusetts | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Hennepin, Minnesota | 1 | $ 292,000 | $ 292,000 | $ 200,000 |
| Pope, Minnesota | 1 | $ 75,000 | $ 75,000 | $ 200,000 |
| Jackson, Missouri | 1 | $ 139,000 | $ 139,000 | $ 114,000 |
| Nye, Nevada | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Cape May, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Essex, New Jersey | 1 | $ 84,000 | $ 84,000 | $ 66,000 |
| Passaic, New Jersey | 1 | $ 290,000 | $ 290,000 | $ 165,000 |
| Richmond, New York | 1 | $ 321,000 | $ 321,000 | $ 68,000 |
| Randolph, North Carolina | 1 | $ 154,000 | $ 154,000 | $ 49,000 |
| Union, North Carolina | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Cuyahoga, Ohio | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Delaware, Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Kay, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Le Flore, Oklahoma | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Tulsa, Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Clackamas, Oregon | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Deschutes, Oregon | 1 | $ 203,000 | $ 203,000 | $ 95,000 |
| Linn, Oregon | 1 | $ 270,000 | $ 270,000 | $ 126,000 |
| Washington, Oregon | 1 | $ 370,000 | $ 370,000 | $ 74,000 |
| Cambria, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Cumberland, Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 60,000 |
| Delaware, Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Lancaster, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Anderson, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 208,000 |
| Meade, South Dakota | 1 | $ 23,000 | $ 23,000 | $ 67,000 |
| Williamson, Tennessee | 1 | $ 20,000 | $ 20,000 | $ 93,000 |
| Dallas, Texas | 1 | $ 67,000 | $ 67,000 | $ 149,000 |
| Fort Bend, Texas | 1 | $ 128,000 | $ 128,000 | $ 680,000 |
| Nueces, Texas | 1 | $ 84,000 | $ 84,000 | $ 27,000 |
| Davis, Utah | 1 | $ 75,000 | $ 75,000 | $ 187,000 |
| Iron, Utah | 1 | $ 40,000 | $ 40,000 | $ 83,000 |
| Tooele, Utah | 1 | $ 188,000 | $ 188,000 | $ 78,000 |
| Clallam, Washington | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Clark, Washington | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Cowlitz, Washington | 1 | $ 219,000 | $ 219,000 | $ 102,000 |
| Rock, Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 79,000 |
| Campbell, Wyoming | 1 | $ 228,000 | $ 228,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for American First Credit Union in 2007
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 | 1,194 | $159,229,000 | $133,000 | $1,350,000 | $100,000 | $908,000 |
| Home Purchase | 97 | $31,531,000 | $325,000 | $1,481,000 | $113,000 | $680,000 |
| 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 | 996 | $129,922,000 | $130,000 | $1,481,000 | $102,000 | $805,000 |
| White | 143 | $30,244,000 | $211,000 | $755,000 | $107,000 | $908,000 |
| Hispanic | 121 | $23,372,000 | $193,000 | $650,000 | $82,000 | $265,000 |
| Asian | 11 | $2,648,000 | $240,000 | $396,000 | $118,000 | $192,000 |
| Black or African American | 11 | $1,668,000 | $151,000 | $416,000 | $101,000 | $393,000 |
| American Indian or Alaskan Native | 5 | $2,030,000 | $406,000 | $1,175,000 | $55,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $876,000 | $219,000 | $417,000 | $77,000 | $95,000 |
| 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) | 1,291 | $190,760,000 | $147,000 | $1,481,000 | $101,000 | $908,000 |
| 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 | 848 | $118,905,000 | $140,000 | $1,481,000 | $102,000 | $908,000 |
| Application Withdrawn By Applicant | 214 | $33,976,000 | $158,000 | $815,000 | $102,000 | $680,000 |
| Application Denied By Financial Institution | 177 | $29,011,000 | $163,000 | $684,000 | $96,000 | $408,000 |
| File Closed For Incompleteness | 46 | $8,258,000 | $179,000 | $555,000 | $94,000 | $318,000 |
| Application Approved But Not Accepted | 4 | $210,000 | $52,000 | $145,000 | $62,000 | $120,000 |
| Preapproval Denied by Financial Institution | 2 | $400,000 | $200,000 | $270,000 | $57,000 | $64,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 | 56 | $8,717,000 | $155,000 | $600,000 | $76,000 | $340,000 |
| Collateral | 46 | $6,559,000 | $142,000 | $680,000 | $100,000 | $360,000 |
| Credit History | 39 | $6,156,000 | $157,000 | $555,000 | $93,000 | $408,000 |
| Other | 18 | $1,808,000 | $100,000 | $308,000 | $125,000 | $300,000 |
| Unverifiable Information | 9 | $3,004,000 | $333,000 | $630,000 | $145,000 | $300,000 |
| Credit Application Incomplete | 6 | $1,036,000 | $172,000 | $512,000 | $78,000 | $122,000 |
| Mortgage Insurance Denied | 4 | $2,001,000 | $500,000 | $684,000 | $139,000 | $312,000 |
| 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 2007 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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