Applications / Mortgage Analytics / Lenders / California / American First Credit Union
Brea, CA · Credit union · NCUA · $1.2 billion assets · 117 loans in 2025
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117
loans originated, 2025
216
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American First Credit Union has turned into a lender for purposes other than buying or refinancing a home: such loans were 76.9% of its 117 loans in 2025.
Other-purpose loans were 76.9% of its lending and purchases only 4.3%. Its typical loan fell to $115,000 from $325,000 in 2020, about a third of its old size, and is now close to the $105,000 at similar lenders (credit unions making between half and twice as many loans). The data do not say what these other-purpose loans are.
Its loans rose 31%, from 89 to 117, faster than at about seven in ten similar lenders and the whole market's 10%. Before that, lending had fallen every year from 405 in 2020 to 89 in 2024.
Majority-minority areas took 76.9% of its loans, against 9.3% at similar lenders, more than at nearly all of them. Low- and moderate-income (LMI) areas took 24.3%, against 17.2%. Its largest market is Los Angeles-Long Beach-Anaheim, where it ranks 361 of 757 and has lent since at least 1990.
Its typical rate was 6.88%, against 6.75% at similar lenders. Of its loans, 1.9% were higher-priced (a rate well above the average for similar loans), against 2.9%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American First Credit Union took 216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 76.9% · Refinance 18.8% · Purchase 4.3%
Conventional 100.0% · of 117 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 |
|---|---|---|
| California | 99 | 84.6% |
| Arizona | 7 | 6.0% |
| Colorado | 2 | 1.7% |
| Florida | 2 | 1.7% |
| Illinois | 2 | 1.7% |
| Nevada | 2 | 1.7% |
| New Jersey | 1 | 0.9% |
| Oregon | 1 | 0.9% |
| Texas | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 42 |
| Riverside-San Bernardino-Ontario | 25 |
| Los Angeles-Long Beach-Glendale | 22 |
| Phoenix-Mesa-Chandler | 5 |
| San Diego-Chula Vista-Carlsbad | 4 |
| Colorado Springs | 2 |
| Oakland-Fremont-Berkeley | 2 |
| Reno | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GIVX5W7UETD809 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 452186 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568485 | 2002–2017 |
Established 1 January 1989. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: American First Credit Union's data.
American First Credit Union's data
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American First 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.
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