AMERICA FIRST Federal Credit Union mortgage approval rate & lending review
AMERICA FIRST Federal Credit Union decided 41,121 mortgage applications and funded 30,977 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions AMERICA FIRST Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
AMERICA FIRST Federal Credit Union at a glance
Approval is 10.9 points above the 70.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 3,156 / 3,865 | 76% | $255K | 2,386 |
| Home improvement loans | 83% | 16,358 / 19,679 | 96% | $65K | 15,630 |
| Cash-out refinance | 56% | 484 / 857 | 74% | $275K | 360 |
| Refinance | 82% | 11,387 / 13,919 | 95% | $105K | 10,840 |
| Investment property purchase | 73% | 453 / 623 | 86% | $185K | 391 |
| Investment cash-out refinance | 41% | 32 / 79 | 75% | $265K | 24 |
| Investment refinance | 71% | 539 / 757 | 91% | $135K | 490 |
| Investment home improvement | 69% | 921 / 1,342 | 93% | $105K | 856 |
AMERICA FIRST Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 84% | $105K | 31,741 | 24,740 |
| Nevada | 73% | $65K | 6,700 | 4,504 |
| Arizona | 76% | $75K | 2,140 | 1,473 |
| Idaho | 79% | $105K | 298 | 214 |
| New Mexico | 67% | $85K | 72 | 42 |
| California | 13% | $65K | 38 | 4 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where AMERICA FIRST Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Home improvement loans | 86% | 5,362 | 4,372 |
| Salt Lake County, UT | Refinance | 81% | 4,005 | 3,080 |
| Davis County, UT | Home improvement loans | 91% | 3,143 | 2,727 |
| Clark County, NV | Home improvement loans | 71% | 3,454 | 2,353 |
| Weber County, UT | Home improvement loans | 89% | 2,509 | 2,144 |
| Davis County, UT | Refinance | 86% | 2,529 | 2,072 |
| Utah County, UT | Home improvement loans | 85% | 2,550 | 2,050 |
| Weber County, UT | Refinance | 85% | 2,035 | 1,642 |
| Utah County, UT | Refinance | 81% | 1,982 | 1,544 |
| Salt Lake County, UT | Mortgage lenders | 80% | 925 | 570 |
| Washington County, UT | Home improvement loans | 83% | 657 | 520 |
| Cache County, UT | Home improvement loans | 90% | 601 | 512 |
The county markets where AMERICA FIRST Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about AMERICA FIRST Federal Credit Union
What is AMERICA FIRST Federal Credit Union's mortgage approval rate?
AMERICA FIRST Federal Credit Union approved 81.1% of the 41,121 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points above the 70.1% national rate for the same mix of loan types.
How often do borrowers take the loan AMERICA FIRST Federal Credit Union offers?
Borrowers accepted 93% of the loans AMERICA FIRST Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does AMERICA FIRST Federal Credit Union make?
The typical home improvement loan loan AMERICA FIRST Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does AMERICA FIRST Federal Credit Union lend?
AMERICA FIRST Federal Credit Union decided applications in 39 of the states Fat Boy Data covers, most of them in Utah, Nevada and Arizona.
Can I apply to AMERICA FIRST Federal Credit Union directly?
Yes. AMERICA FIRST Federal Credit Union is a bank or credit union with 124 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show AMERICA FIRST Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how AMERICA FIRST Federal Credit Union treats applications, then get a rate quote from the lender.