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Multifamily record
American First Credit Union: multifamily loans made
American First Credit Union, a credit union based in Brea, CA, made 22 multifamily loans in 2024 and 2025, $44.6M in all, in 10 states. The typical loan was about $1.7M, and the largest about $4.8M. Most were in Lorain County, OH.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 22
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $44.6M
- HMDA,
- Rounded amounts
- Typical loan
- $1.7M
- HMDA,
- Largest loan
- $4.8M
- HMDA,
- Rounded to 2 significant figures
- States
- 10
- HMDA,
Cite this
Source: The Lender Report, American First Credit Union: multifamily loans made, https://lender.report/lender/american-first-credit-union-ca/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Washoe County, NV | Cash-out refinance, 25 to 49 units | $4.4M | 6.25% | 10 yr | 59% | HMDA 2025 |
| 2025 | Bexar County, TX | Cash-out refinance, 50 to 99 units | $3.6M | 6.57% | 10 yr | 50% | HMDA 2025 |
| 2025 | Maricopa County, AZ | Cash-out refinance, 100 to 149 units | $2.4M | 6.28% | 10 yr | HMDA 2025 | |
| 2025 | Somerset County, NJ | Cash-out refinance, 50 to 99 units | $2.1M | 6.38% | 10 yr | 12% | HMDA 2025 |
| 2025 | Palm Beach County, FL | Cash-out refinance, 50 to 99 units | $1.8M | 6.66% | 10 yr | 74% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $1.6M | 6.69% | 10 yr | 68% | HMDA 2025 |
| 2025 | Orange County, CA | Cash-out refinance, 5 to 24 units | $1.4M | 5.78% | 10 yr | HMDA 2025 | |
| 2025 | Washoe County, NV | Cash-out refinance, 5 to 24 units | $1.4M | 6.31% | 10 yr | 54% | HMDA 2025 |
| 2025 | Orange County, CA | Refinance, 5 to 24 units | $1M | 3.39% | 15 yr | 49% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 5 to 24 units | $820K | 6.31% | 15 yr | 47% | HMDA 2025 |
| 2025 | Multnomah County, OR | Cash-out refinance, 5 to 24 units | $660K | 6.6% | 14 yr | HMDA 2025 | |
| 2024 | Lorain County, OH | Cash-out refinance, 100 to 149 units | $4.8M | 6.41% | 10 yr | HMDA 2024 | |
| 2024 | Sherburne County, MN | Cash-out refinance, 50 to 99 units | $3.7M | 6.55% | 10 yr | 49% | HMDA 2024 |
| 2024 | Dallas County, TX | Cash-out refinance, 50 to 99 units | $2.8M | 6.85% | 15 yr | 47% | HMDA 2024 |
| 2024 | Fulton County, GA | Cash-out refinance, 50 to 99 units | $2.5M | 7.23% | 15 yr | 47% | HMDA 2024 |
| 2024 | Muskingum County, OH | Cash-out refinance, 50 to 99 units | $2.2M | 6.55% | 10 yr | 42% | HMDA 2024 |
| 2024 | Cuyahoga County, OH | Cash-out refinance, 25 to 49 units | $1.7M | 6.41% | 10 yr | HMDA 2024 | |
| 2024 | Lorain County, OH | Cash-out refinance, 25 to 49 units | $1.3M | 6.41% | 10 yr | HMDA 2024 | |
| 2024 | Lorain County, OH | Cash-out refinance, 25 to 49 units | $1.3M | 6.41% | 10 yr | HMDA 2024 | |
| 2024 | Multnomah County, OR | Cash-out refinance, 50 to 99 units | $1.1M | 6.25% | 10 yr | 11% | HMDA 2024 |
| 2024 | Clackamas County, OR | Cash-out refinance, 50 to 99 units | $1M | 6.25% | 10 yr | 10% | HMDA 2024 |
| 2024 | Portage County, OH | Cash-out refinance, 25 to 49 units | $1M | 7.36% | 15 yr | HMDA 2024 | |
| 22 multifamily loans made in 2024 and 2025 | $44.6M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Lorain County, OH | County | 3 | $7.40M |
| Los Angeles County, CA | County | 2 | $2.42M |
| Multnomah County, OR | County | 2 | $1.76M |
| Orange County, CA | County | 2 | $2.40M |
| Washoe County, NV | County | 2 | $5.80M |
| Bexar County, TX | County | 1 | $3.60M |
| Clackamas County, OR | County | 1 | $1.00M |
| Cuyahoga County, OH | County | 1 | $1.70M |
| Dallas County, TX | County | 1 | $2.80M |
| Fulton County, GA | County | 1 | $2.50M |
| Maricopa County, AZ | County | 1 | $2.40M |
| Muskingum County, OH | County | 1 | $2.20M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 2 | $1.48M |
| $1M to $2.5M | 14 | $21.3M |
| $2.5M to $5M | 6 | $21.8M |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 11 | $23.4M | $1.7M |
| 2025 | 11 | $21.2M | $1.6M |
| Purpose | Loans |
|---|---|
| Refinance | 2 |
| Cash-out refinance | 20 |
| Units | Loans |
|---|---|
| 5 to 24 units | 6 |
| 25 to 49 units | 5 |
| 50 to 99 units | 9 |
| 100 to 149 units | 2 |
- American First Credit Union made 22 multifamily loans totaling $44.6M in 2024 and 2025, in 16 named places across 10 states. HMDA,
- It made 11 of them in 2025 and 11 in 2024. HMDA,
- The typical loan was about $1.7M, with the middle half between $1.1M and $2.5M. HMDA,
- The largest was about $4.8M. Every amount is rounded to 2 significant figures. HMDA,
- 2 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 6.41% on 22 loans, with the middle half between 6.28% and 6.60%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 49%. HMDA,
- 100% of the loans were refinancings and 0% were purchases. HMDA,
- The most common property size was 50 to 99 units, with 9 loans. HMDA,
- HMDA shows 20 of the 22 multifamily loans American First Credit Union made with a known channel in 2024 to 2025 as coming through a third party. HMDA,
- Its loans were most often in Lorain County, OH (3), Los Angeles County, CA (2) and Multnomah County, OR (2). HMDA,
What we don't know
- Whether American First Credit Union is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.