LEI 549300GIVX5W7UETD809 · BREA, CA
American First Credit Union
Denial sits in the upper fleet tercile at 23.9% across 243 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
American First Credit Union posts a 23.9% denial rate, above the fleet's upper tercile (~13.79%) - across 243 applications with 89 originations. Leading cited denial reason: other. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 36.6%
- Origination share
- 89
- Originated
- 23.9%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
243reported applications
Where American First Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
89 37th percentile higher than 37% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · American First Credit Union
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · American First Credit Union
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. American First Credit Union's 36.6% origination rate and 23.9% denial rate sit on a mid-tercile originated book (89 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Other, Debt-to-income ratio, Unverifiable information. Program weight concentrates in Conventional (243 applications).
How to read American First Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · American First Credit Union
American First Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 243 | 89 | 58 | $409,115 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for American First Credit Union (LEI: 549300GIVX5W7UETD809) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Other | 137 | 65 | $94,708 |
| Home Purchase | 55 | 4 | $438,091 |
| Cash-out Refinancing | 36 | 20 | $1,195,556 |
| Refinancing | 15 | 0 | $1,287,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 117 | 38.5% | 21.4% |
| Native Hawaiian or Other Pacific Islander * | 25 | 40.0% | 48.0% |
| Asian * | 24 | 29.2% | 20.8% |
| Joint * | 10 | 50.0% | 0.0% |
| American Indian or Alaska Native * | 5 | 60.0% | 20.0% |
| Black or African American * | 5 | 20.0% | 20.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Hispanic or Latino | 102 | 30.4% | 33.3% |
| Not Hispanic or Latino | 81 | 48.1% | 16.1% |
| Joint * | 9 | 33.3% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in CA
Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.
One of 316 other HMDA-reporting lenders in CA, 5 are shown here.
Pennymac Loan Services LLC
WESTLAKE VILLAGE, CA
Bank of America NA
Westlake Village, CA
AmeriHome Mortgage Company, LLC
Thousand Oaks, CA
Loandepot.Com, LLC
IRVINE, CA
New American Funding, LLC.
TUSTIN, CA
Read with American First Credit Union
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for American First Credit Union (LEI 549300GIVX5W7UETD809).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at American First Credit Union.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This American First Credit Union page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.