Applications / Mortgage Analytics / Lenders / Utah / America First Federal Credit Union
Riverdale, UT · Credit union · NCUA · $23.8 billion assets · 15,271 loans in 2025
America First Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
15,271
loans originated, 2025
22,220
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
America First Federal Credit Union is a high-volume lender of small loans in northern Utah, and in 2025 it made fewer loans while similar credit unions grew, giving up some share in its Utah home markets.
Originations fell 5% to 15,271, while similar lenders (credit unions making between half and twice as many loans) rose 15% and the whole market rose 10%; it grew less than any of them. Its count has drifted down each year since a peak of 20,698 in 2022. Dollar lending still rose, to $2.13 billion.
Its typical loan was $95,000 against $145,000 for similar lenders, the lowest in the group, while its jumbo share, 2.0%, sits near the middle.
It ranks 2 of 308 lenders in Ogden, but its share slipped to 8.9% from 9.2%; in Salt Lake City it fell to 4.4% from 5.1%, and in Provo to 3.3% from 4.0%. In Las Vegas its share rose to 1.5% from 1.3%. Its smaller total lending could explain the Utah slips.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. America First Federal Credit Union took 22,220 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.4% · Refinance 34.3% · Other 23.8% · Purchase 6.5%
Conventional 99.7% · FHA 0.2% · VA 0.1% · USDA (RHS or FSA) 0.0% · of 15,271 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Utah | 11,759 | 77.0% |
| Nevada | 2,393 | 15.7% |
| Arizona | 780 | 5.1% |
| Idaho | 283 | 1.9% |
| New Mexico | 48 | 0.3% |
| California | 8 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ogden | 4,287 |
| Salt Lake City-Murray | 3,914 |
| Las Vegas-Henderson-North Las Vegas | 2,204 |
| Provo-Orem-Lehi | 1,784 |
| Phoenix-Mesa-Chandler | 505 |
| St. George | 485 |
| Logan | 468 |
| Boise City | 108 |
| Lake Havasu City-Kingman | 88 |
| Reno | 62 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007I0X1GRWIU8B34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 277697 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524694 | 2004–2017 |
Established 1 January 1939. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: America First Federal Credit Union's data.
America First Federal Credit Union's data
$215
America First Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy America First Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]