American First Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
American First Credit Union 2007 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 | 1,291 |
| Total Mortgage Loan Application Amount | $190,760,000 |
| Average Mortgage Loan Application Amount | $229,000 |
| Highest Mortgage Loan Application Amount | $1,481,000 |
| Average Applicant Income | $106,500 |
| Highest Applicant Income | $908,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 351 | $ 57,057,000 | $ 162,000 | $ 112,000 |
| Los Angeles County California | 265 | $ 39,807,000 | $ 150,000 | $ 92,000 |
| Riverside County California | 138 | $ 21,415,000 | $ 155,000 | $ 102,000 |
| San Bernardino County California | 133 | $ 17,273,000 | $ 129,000 | $ 91,000 |
| San Diego County California | 34 | $ 5,575,000 | $ 163,000 | $ 123,000 |
| Maricopa County Arizona | 32 | $ 4,604,000 | $ 143,000 | $ 104,000 |
| Clark County Nevada | 24 | $ 3,174,000 | $ 132,000 | $ 82,000 |
| Alameda County California | 20 | $ 3,343,000 | $ 167,000 | $ 121,000 |
| Cook County Illinois | 19 | $ 2,240,000 | $ 117,000 | $ 76,000 |
| Ventura County California | 16 | $ 3,132,000 | $ 195,000 | $ 112,000 |
| Salt Lake County Utah | 12 | $ 1,155,000 | $ 96,000 | $ 122,000 |
| Mohave County Arizona | 11 | $ 1,048,000 | $ 95,000 | $ 105,000 |
| Sacramento County California | 11 | $ 1,319,000 | $ 119,000 | $ 87,000 |
| Solano County California | 10 | $ 343,000 | $ 34,000 | $ 111,000 |
| Stanislaus County California | 9 | $ 885,000 | $ 98,000 | $ 104,000 |
| Santa Clara County California | 8 | $ 1,205,000 | $ 150,000 | $ 108,000 |
| Contra Costa County California | 7 | $ 857,000 | $ 122,000 | $ 90,000 |
| San Joaquin County California | 7 | $ 1,264,000 | $ 180,000 | $ 91,000 |
| DuPage County Illinois | 7 | $ 704,000 | $ 100,000 | $ 142,000 |
| Ada County Idaho | 5 | $ 838,000 | $ 167,000 | $ 70,000 |
| Santa Barbara County California | 4 | $ 566,000 | $ 141,000 | $ 84,000 |
| Bernalillo County New Mexico | 4 | $ 98,000 | $ 24,000 | $ 48,000 |
| Pinal County Arizona | 3 | $ 112,000 | $ 37,000 | $ 27,000 |
| Yavapai County Arizona | 3 | $ 435,000 | $ 145,000 | $ 51,000 |
| Kern County California | 3 | $ 171,000 | $ 57,000 | $ 68,000 |
| Merced County California | 3 | $ 189,000 | $ 63,000 | $ 84,000 |
| San Mateo County California | 3 | $ 366,000 | $ 122,000 | $ 76,000 |
| Santa Cruz County California | 3 | $ 145,000 | $ 48,000 | $ 40,000 |
| Sonoma County California | 3 | $ 269,000 | $ 89,000 | $ 74,000 |
| Yolo County California | 3 | $ 428,000 | $ 142,000 | $ 96,000 |
| DeKalb County Illinois | 3 | $ 392,000 | $ 130,000 | $ 61,000 |
| Kane County Illinois | 3 | $ 246,000 | $ 82,000 | $ 72,000 |
| Kendall County Illinois | 3 | $ 367,000 | $ 122,000 | $ 84,000 |
| Will County Illinois | 3 | $ 74,000 | $ 24,000 | $ 63,000 |
| Lyon County Nevada | 3 | $ 439,000 | $ 146,000 | $ 69,000 |
| Pierce County Washington | 3 | $ 318,000 | $ 106,000 | $ 69,000 |
| Spokane County Washington | 3 | $ 336,000 | $ 112,000 | $ 96,000 |
| La Paz County Arizona | 2 | $ 396,000 | $ 198,000 | $ 192,000 |
| Pima County Arizona | 2 | $ 138,000 | $ 69,000 | $ 79,000 |
| Yuma County Arizona | 2 | $ 214,000 | $ 107,000 | $ 77,000 |
| Butte County California | 2 | $ 70,000 | $ 35,000 | $ 41,000 |
| El Dorado County California | 2 | $ 145,000 | $ 72,000 | $ 133,000 |
| Fresno County California | 2 | $ 773,000 | $ 386,000 | $ 74,000 |
| Kings County California | 2 | $ 363,000 | $ 181,000 | $ 60,000 |
| Madera County California | 2 | $ 252,000 | $ 126,000 | $ 173,000 |
| Placer County California | 2 | $ 165,000 | $ 82,000 | $ 113,000 |
| Palm Beach County Florida | 2 | $ 432,000 | $ 216,000 | $ 144,000 |
| Lake County Illinois | 2 | $ 220,000 | $ 110,000 | $ 94,000 |
| McHenry County Illinois | 2 | $ 56,000 | $ 28,000 | $ 55,000 |
| McLean County Illinois | 2 | $ 204,000 | $ 102,000 | $ 61,000 |
| Lake County Indiana | 2 | $ 127,000 | $ 63,000 | $ 47,000 |
| Plymouth County Massachusetts | 2 | $ 390,000 | $ 195,000 | $ 235,000 |
| Rockingham County New Hampshire | 2 | $ 120,000 | $ 60,000 | $ 138,000 |
| Lea County New Mexico | 2 | $ 40,000 | $ 20,000 | $ 87,000 |
| King County Washington | 2 | $ 635,000 | $ 317,000 | $ 96,000 |
| Coconino County Arizona | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Gila County Arizona | 1 | $ 367,000 | $ 367,000 | $ 197,000 |
| Navajo County Arizona | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Faulkner County Arkansas | 1 | $ 14,000 | $ 14,000 | $ 29,000 |
| Calaveras County California | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Imperial County California | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Inyo County California | 1 | $ 62,000 | $ 62,000 | $ 94,000 |
| Lake County California | 1 | $ 348,000 | $ 348,000 | $ 106,000 |
| Lassen County California | 1 | $ 76,000 | $ 76,000 | $ 32,000 |
| Monterey County California | 1 | $ 60,000 | $ 60,000 | $ 94,000 |
| San Luis Obispo County California | 1 | $ 315,000 | $ 315,000 | $ 46,000 |
| Tehama County California | 1 | $ 42,000 | $ 42,000 | $ 62,000 |
| Yuba County California | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Arapahoe County Colorado | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Denver County Colorado | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Douglas County Colorado | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| El Paso County Colorado | 1 | $ 41,000 | $ 41,000 | $ 81,000 |
| New Haven County Connecticut | 1 | $ 50,000 | $ 50,000 | $ 117,000 |
| Honolulu County Hawaii | 1 | $ 243,000 | $ 243,000 | $ 164,000 |
| Blaine County Idaho | 1 | $ 1,350,000 | $ 1,350,000 | $ 639,000 |
| Christian County Illinois | 1 | $ 76,000 | $ 76,000 | $ 71,000 |
| Grundy County Illinois | 1 | $ 69,000 | $ 69,000 | $ 75,000 |
| LaSalle County Illinois | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| McDonough County Illinois | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Piatt County Illinois | 1 | $ 24,000 | $ 24,000 | $ 157,000 |
| Hamilton County Indiana | 1 | $ 23,000 | $ 23,000 | $ 46,000 |
| Marion County Indiana | 1 | $ 345,000 | $ 345,000 | $ 133,000 |
| Johnson County Kansas | 1 | $ 53,000 | $ 53,000 | $ 88,000 |
| Osage County Kansas | 1 | $ 11,000 | $ 11,000 | $ 104,000 |
| Baltimore County Maryland | 1 | $ 93,000 | $ 93,000 | $ 172,000 |
| Prince George's County Maryland | 1 | $ 242,000 | $ 242,000 | $ 93,000 |
| Franklin County Massachusetts | 1 | $ 132,000 | $ 132,000 | $ 42,000 |
| Hennepin County Minnesota | 1 | $ 292,000 | $ 292,000 | $ 200,000 |
| Pope County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 200,000 |
| Jackson County Missouri | 1 | $ 139,000 | $ 139,000 | $ 114,000 |
| Nye County Nevada | 1 | $ 210,000 | $ 210,000 | $ 60,000 |
| Cape May County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Essex County New Jersey | 1 | $ 84,000 | $ 84,000 | $ 66,000 |
| Passaic County New Jersey | 1 | $ 290,000 | $ 290,000 | $ 165,000 |
| Richmond County New York | 1 | $ 321,000 | $ 321,000 | $ 68,000 |
| Randolph County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 49,000 |
| Union County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 38,000 |
| Cuyahoga County Ohio | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Delaware County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Kay County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 58,000 |
| Le Flore County Oklahoma | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Tulsa County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Clackamas County Oregon | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Deschutes County Oregon | 1 | $ 203,000 | $ 203,000 | $ 95,000 |
| Linn County Oregon | 1 | $ 270,000 | $ 270,000 | $ 126,000 |
| Washington County Oregon | 1 | $ 370,000 | $ 370,000 | $ 74,000 |
| Cambria County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Cumberland County Pennsylvania | 1 | $ 67,000 | $ 67,000 | $ 60,000 |
| Delaware County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Lancaster County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Anderson County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 208,000 |
| Meade County South Dakota | 1 | $ 23,000 | $ 23,000 | $ 67,000 |
| Williamson County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 93,000 |
| Dallas County Texas | 1 | $ 67,000 | $ 67,000 | $ 149,000 |
| Fort Bend County Texas | 1 | $ 128,000 | $ 128,000 | $ 680,000 |
| Nueces County Texas | 1 | $ 84,000 | $ 84,000 | $ 27,000 |
| Davis County Utah | 1 | $ 75,000 | $ 75,000 | $ 187,000 |
| Iron County Utah | 1 | $ 40,000 | $ 40,000 | $ 83,000 |
| Tooele County Utah | 1 | $ 188,000 | $ 188,000 | $ 78,000 |
| Clallam County Washington | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Clark County Washington | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Cowlitz County Washington | 1 | $ 219,000 | $ 219,000 | $ 102,000 |
| Rock County Wisconsin | 1 | $ 33,000 | $ 33,000 | $ 79,000 |
| Campbell County 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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