AMERICAN FIRST CREDIT UNION
AMERICAN FIRST CREDIT UNION received 214 applications in 2025 and made 117 mortgages, in 41 counties across 14 states. The median rate its borrowers got was 6.875% on a median loan of $115,000. Of 178 decisions, 50 were denials — 28.1%, most often for debt-to-income ratio. 13 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300GIVX5W7UETD809 |
|---|---|
| Applications received | 214 |
| Mortgages made | 117 |
| Denied | 50 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 36 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.685 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 18 | 6.535% | $750,000 | 21.7% |
| Other purposes | 90 | 7.125% | $105,000 | 25.9% |
Where AMERICAN FIRST CREDIT UNION lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, CA | 42 | 7.313% | 19.0% |
| Los Angeles County, CA | 22 | 7.063% | 41.0% |
| Riverside County, CA | 13 | 6.750% | 23.5% |
| San Bernardino County, CA | 12 | 6.750% | 6.3% |
| Maricopa County, AZ | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 4 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 0.0% |
| El Paso County, CO | 2 | Under 10 loans | 0.0% |
| Washoe County, NV | 2 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 50.0% |
| Pima County, AZ | 1 | Under 10 loans | 50.0% |
| Lake County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 0.0% |
| Solano County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Carroll County, IL | 1 | Under 10 loans | 0.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Somerset County, NJ | 1 | Under 10 loans | 0.0% |
| Multnomah County, OR | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 0 | Under 10 loans | 100.0% |
| Yavapai County, AZ | 0 | Under 10 loans | 100.0% |
| Yuma County, AZ | 0 | Under 10 loans | Not published |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Imperial County, CA | 0 | Under 10 loans | 100.0% |
| Kern County, CA | 0 | Under 10 loans | Not published |
| San Francisco County, CA | 0 | Under 10 loans | 100.0% |
| Santa Clara County, CA | 0 | Under 10 loans | 100.0% |
| Santa Cruz County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | 100.0% |
| Costilla County, CO | 0 | Under 10 loans | 100.0% |
| Polk County, FL | 0 | Under 10 loans | 100.0% |
| Monroe County, IN | 0 | Under 10 loans | 100.0% |
| Jefferson Parish, LA | 0 | Under 10 loans | Not published |
| Clark County, NV | 0 | Under 10 loans | 100.0% |
| Lyon County, NV | 0 | Under 10 loans | 100.0% |
| Craven County, NC | 0 | Under 10 loans | Not published |
| Montgomery County, TN | 0 | Under 10 loans | 100.0% |
| Jefferson County, TX | 0 | Under 10 loans | Not published |
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When AMERICAN FIRST CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.