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, Cash Out Refi, and Home Purchase 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 37 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 a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.92% | 4/21/24 |
| 30 Year Conventional Purchase | 6.70% | 4/21/24 |
| 30 Year Conventional Refi | 6.46% | 4/21/24 |
| 30 Year Cash-out Refi | 6.63% | 4/21/24 |
| 30 Year FHA Purchase | 7.45% | 4/21/24 |
| 30 Year FHA Refi | 6.59% | 4/21/24 |
| 30 Year VA Purchase | 6.29% | 4/21/24 |
| 30 Year USDA Purchase | 6.79% | 4/21/24 |
| 15 Year Conventional Purchase | 6.34% | 4/21/24 |
| 15 Year Conventional Refi | 6.51% | 4/21/24 |
| 15 Year Cash-out Refi | 6.51% | 4/21/24 |
| 15 Year FHA Purchase | 5.68% | 4/21/24 |
| 15 Year VA Refi | 5.68% | 4/21/24 |
| 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. | ||
America First Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
15,537Origination Dollar Volume (All Markets)
$1,709,985,000Awards
AMERICA FIRST - 2019
AMERICA FIRST is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 5,998 | $675,460,000 | $112,614 | $1,773 | 5.43% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4,459 | $476,085,000 | $106,769 | $1,608 | 5.83% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1,686 | $186,950,000 | $110,884 | $1,707 | 6.10% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1,356 | $158,450,000 | $116,851 | $2,060 | 5.76% |
| ST. GEORGE, UT (FHA|USDA|VA) | 487 | $61,355,000 | $125,986 | $2,175 | 5.60% |
| LOGAN, UT-ID (FHA|USDA|VA) | 425 | $40,485,000 | $95,259 | $1,476 | 5.57% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 454 | $34,700,000 | $76,432 | $675 | 6.97% |
| Heber, UT (FHA|USDA|VA) | 199 | $25,765,000 | $129,472 | $1,963 | 5.94% |
| Outside of Metro Areas | 205 | $20,695,000 | $100,951 | $1,591 | 5.46% |
| BOISE CITY, ID (FHA|USDA|VA) | 55 | $8,305,000 | $151,000 | $2,946 | 5.52% |
| Cedar City, UT (FHA|USDA|VA) | 59 | $6,535,000 | $110,763 | $1,982 | 5.54% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 38 | $3,490,000 | $91,842 | $1,289 | 5.48% |
| Rexburg, ID (FHA|USDA|VA) | 10 | $2,400,000 | $240,000 | $4,410 | 3.82% |
| Pahrump, NV (FHA|USDA|VA) | 15 | $1,415,000 | $94,333 | $2,338 | 4.78% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 9 | $1,375,000 | $152,778 | $5,192 | 4.90% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 10 | $1,030,000 | $103,000 | $1,705 | 5.69% |
| POCATELLO, ID (FHA|USDA|VA) | 8 | $880,000 | $110,000 | $2,883 | 4.86% |
| Price, UT (FHA|USDA|VA) | 8 | $580,000 | $72,500 | $2,249 | 5.71% |
| Vernal, UT (FHA|USDA|VA) | 8 | $520,000 | $65,000 | $2,596 | 5.90% |
| TWIN FALLS, ID (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,539 | 6.18% |
| Burley, ID (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $1,940 | 5.90% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,529 | 3.44% |
| Hailey, ID (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,952 | 4.56% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $310,000 | $51,667 | $158 | 7.03% |
| RENO, NV (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $238 | 6.74% |
| Elko, NV (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 10.07% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $175,000 | $35,000 | $0 | 5.39% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $170,000 | $42,500 | $0 | 6.37% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.49% |
| Outside of Metro Areas | 2 | $140,000 | $70,000 | $0 | 4.87% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 6.99% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $0 | 7.87% |
| Fallon, NV (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $0 | 8.62% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $565 | 6.49% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $475 | 11.74% |
| Fernley, NV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.24% |
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 2019, America First's most frequently originated type of loan was Conventional, with 9,742 originations. Their 2nd most popular type was HELOC, with 5,668 originations.
Loan Reason
For 2019, America First's most frequently cited loan purpose was Home Improvement, with 4,415 originations. The 2nd most popular reason was Refi, with 3,927 originations.
Loan Duration/Length
For 2019, America First's most frequently cited loan duration was 5 Year, with 6,324 originations. The 2nd most popular length was 10 Year, with 3,881 originations.
Origination Fees/Closing Costs
America First's average total fees were $4,388, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 5,942 originations.
Interest Rates
During 2019, America First's average interest rate for loans was 3.95%, while their most frequently originated rate bucket for loans was 5-6%, with 3,860 originations.
Loan Sizing
2019 saw America First place emphasis on $100,000 or less loans with 9,659 originations, totaling $431,955,000 in origination value.
Applicant Income
America First lent most frequently to those with incomes in the $100k-150k range, with 4,205 originations. The second most popular income band? $75k-100k, with 3,635 originations.
Applicant Debt to Income Ratio
America First lent most frequently to those with DTI ratios of 20-30%, with 3,658 originations. The next most common DTI ratio? 30-36%, with 3,014 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.74%
America First has a below average approval rate.
Pick Rate
Approvals leading to origination74.56%
America First has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 15,537 | $1,709,985,000 | $110,059 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERICA FIRST FEDERAL CREDIT UNION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 100.0% |