America First Mortgage Rates, Fees & Info
Riverdale, UTLEI: 5493007I0X1GRWIU8B34
Tax ID: 87-0216202
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Mortgage Data
Review & Overview
America First is a small mortgage company specializing in Refi and Cash Out Refi loans. America First has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Ogden, Salt Lake City, Provo, Las Vegas, and St. George among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)America First has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. America First is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.54% | 3/19/23 |
| 30 Year Conventional Purchase | 6.61% | 3/19/23 |
| 30 Year Conventional Refi | 6.39% | 3/19/23 |
| 30 Year Cash-out Refi | 6.54% | 3/19/23 |
| 30 Year FHA Purchase | 7.34% | 3/19/23 |
| 30 Year FHA Refi | 6.58% | 3/19/23 |
| 30 Year VA Purchase | 6.16% | 3/19/23 |
| 30 Year VA Refi | 5.89% | 3/19/23 |
| 30 Year USDA Purchase | 6.34% | 3/19/23 |
| 15 Year Conventional Purchase | 6.46% | 3/19/23 |
| 15 Year Conventional Refi | 6.34% | 3/19/23 |
| 15 Year Cash-out Refi | 6.34% | 3/19/23 |
| 15 Year VA Purchase | 5.68% | 3/19/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
19,032Origination Dollar Volume (All Markets)
$2,818,580,000Awards
AMERICA FIRST - 2021
AMERICA FIRST is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
America First's average 30 year fixed mortgage rate was
3.01%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.14%.
Relative Fees (Closing Costs)
America First's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,534.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6,650 | $970,750,000 | $145,977 | $3,155 | 3.48% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5,451 | $800,165,000 | $146,792 | $3,097 | 3.73% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2,271 | $316,765,000 | $139,483 | $2,914 | 3.95% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,841 | $308,725,000 | $167,694 | $3,454 | 3.79% |
| ST. GEORGE, UT (FHA|USDA|VA) | 594 | $93,240,000 | $156,970 | $3,058 | 3.88% |
| LOGAN, UT-ID (FHA|USDA|VA) | 585 | $82,665,000 | $141,308 | $3,160 | 3.65% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 546 | $75,570,000 | $138,407 | $2,498 | 4.01% |
| Heber, UT (FHA|USDA|VA) | 280 | $56,750,000 | $202,679 | $3,720 | 3.77% |
| Outside of Metro Areas | 282 | $41,580,000 | $147,447 | $2,858 | 3.82% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 82 | $10,750,000 | $131,098 | $2,670 | 4.12% |
| Cedar City, UT (FHA|USDA|VA) | 74 | $10,190,000 | $137,703 | $3,391 | 3.69% |
| BOISE CITY, ID (FHA|USDA|VA) | 68 | $9,140,000 | $134,412 | $3,980 | 4.08% |
| Pahrump, NV (FHA|USDA|VA) | 40 | $4,480,000 | $112,000 | $2,542 | 4.14% |
| Rexburg, ID (FHA|USDA|VA) | 19 | $4,015,000 | $211,316 | $4,160 | 4.55% |
| TUCSON, AZ (FHA|USDA|VA) | 32 | $3,940,000 | $123,125 | $2,909 | 4.06% |
| Price, UT (FHA|USDA|VA) | 30 | $2,930,000 | $97,667 | $2,649 | 4.24% |
| Vernal, UT (FHA|USDA|VA) | 22 | $2,680,000 | $121,818 | $3,270 | 3.76% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 19 | $2,375,000 | $125,000 | $4,410 | 3.55% |
| RENO, NV (FHA|USDA|VA) | 15 | $2,285,000 | $152,333 | $1,183 | 3.93% |
| TWIN FALLS, ID (FHA|USDA|VA) | 15 | $2,115,000 | $141,000 | $4,634 | 3.99% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 16 | $2,040,000 | $127,500 | $2,632 | 3.06% |
| Elko, NV (FHA|USDA|VA) | 12 | $1,990,000 | $165,833 | $3,984 | 3.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 18 | $1,920,000 | $106,667 | $3,095 | 3.78% |
| POCATELLO, ID (FHA|USDA|VA) | 12 | $1,860,000 | $155,000 | $3,622 | 3.16% |
| Fernley, NV (FHA|USDA|VA) | 9 | $1,575,000 | $175,000 | $3,343 | 4.70% |
| Blackfoot, ID (FHA|USDA|VA) | 8 | $1,390,000 | $173,750 | $3,471 | 3.65% |
| Show Low, AZ (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $3,647 | 2.98% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $31,083 | 3.13% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $7,466 | 3.25% |
| Outside of Metro Areas | 2 | $590,000 | $295,000 | $14,322 | 3.87% |
| Payson, AZ (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $2,086 | 3.44% |
| Burley, ID (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,114 | 2.42% |
| Mountain Home, ID (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 3.58% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $2,202 | 3.56% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 3.37% |
| Fallon, NV (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $0 | 3.99% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $4,061 | 5.79% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.50% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,196 | 3.50% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,565 | 3.13% |
| Moscow, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,814 | 2.50% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.49% |
| Hailey, ID (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against AMERICA FIRST based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, America First's most frequently originated type of loan was Conventional, with 9,851 originations. Their 2nd most popular type was HELOC, with 9,065 originations.
Loan Reason
For 2021, America First's most frequently cited loan purpose was Home Improvement, with 5,697 originations. The 2nd most popular reason was Refi, with 4,855 originations.
Loan Duration/Length
For 2021, America First's most frequently cited loan duration was 5 Year, with 9,142 originations. The 2nd most popular length was 30 Year, with 3,609 originations.
Origination Fees/Closing Costs
America First's average total fees were $5,534, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,742 originations.
Interest Rates
During 2021, America First's average interest rate for loans was 3.01%, while their most frequently originated rate bucket for loans was <2.5%, with 6,831 originations.
Loan Sizing
2021 saw America First place emphasis on $100,000 or less loans with 8,882 originations, totaling $449,020,000 in origination value.
Applicant Income
America First lent most frequently to those with incomes in the $100k-150k range, with 5,168 originations. The second most popular income band? $75k-100k, with 3,980 originations.
Applicant Debt to Income Ratio
America First lent most frequently to those with DTI ratios of 20-30%, with 4,427 originations. The next most common DTI ratio? 30-36%, with 3,536 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.77%
America First has a below average approval rate.
Pick Rate
Approvals leading to origination76.43%
America First has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 19,032 | $2,818,580,000 | $148,097 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 19,032 | $2,818,580,000 | $148,097 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 33.3% |
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 33.3% |
| AMERICA FIRST FEDERAL CREDIT UNION | Other type of mortgage | Struggling to pay mortgage | 1 | 33.3% |