America First Mortgage Rates, Fees & Info

Riverdale, UT

LEI: 5493007I0X1GRWIU8B34

Tax ID: 87-0216202

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • 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) 5.92% 12/16/24
    30 Year Conventional Purchase 6.70% 12/16/24
    30 Year Conventional Refi 6.46% 12/16/24
    30 Year Cash-out Refi 6.63% 12/16/24
    30 Year FHA Purchase 7.45% 12/16/24
    30 Year FHA Refi 6.59% 12/16/24
    30 Year VA Purchase 6.29% 12/16/24
    30 Year USDA Purchase 6.79% 12/16/24
    15 Year Conventional Purchase 6.34% 12/16/24
    15 Year Conventional Refi 6.51% 12/16/24
    15 Year Cash-out Refi 6.51% 12/16/24
    15 Year FHA Purchase 5.68% 12/16/24
    15 Year VA Refi 5.68% 12/16/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from America First. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    19,032

    Origination Dollar Volume (All Markets)

    $2,818,580,000
    Show all (10) awards

    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%
    America First's top markets include Ogden, Salt Lake City, Provo, Las Vegas, and St. George among others.

    Their top states include:
  • Utah (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)

    • 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.

    LA Financial Federal Credit Union
    Similarity Rank: 228
    HORIZON UTAH Federal Credit Union
    Similarity Rank: 350
    First Credit Union
    Similarity Rank: 378
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 384
    State Bank of Southern Utah
    Similarity Rank: 592
    ALOHA PACIFIC
    Similarity Rank: 670
    CONNECTIONS
    Similarity Rank: 750
    S&S Financial
    Similarity Rank: 816
    Jordan Federal Credit Union
    Similarity Rank: 980
    PIONEER
    Similarity Rank: 999

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,851 $1,751,875,000 $177,837 $3,072 3.69%
    HELOC 9,065 $1,033,635,000 $114,025 n/a 3.71%
    VA 62 $17,400,000 $280,645 $7,491 2.46%
    FHA 48 $14,230,000 $296,458 $9,961 2.98%
    USDA 6 $1,440,000 $240,000 $6,625 2.46%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 5,697 $454,965,000 $79,860 $75 4.19%
    Refi 4,855 $817,205,000 $168,322 $3,068 3.35%
    Other 3,721 $337,725,000 $90,762 $138 4.24%
    Cash Out Refi 3,126 $766,560,000 $245,221 $5,268 2.80%
    Home Purchase 1,633 $442,125,000 $270,744 $4,692 3.44%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    5 Year 9,142 $1,000,400,000 $109,429 $0 3.68%
    30 Year 3,609 $948,535,000 $262,825 $5,534 3.01%
    10 Year 2,960 $233,000,000 $78,716 $453 5.07%
    15 Year 2,486 $469,740,000 $188,954 $3,432 3.33%
    20 Year 640 $141,580,000 $221,219 $5,028 2.73%
    Other 191 $23,375,000 $122,382 $0 3.96%
    3 Year 3 $105,000 $35,000 $0 3.49%
    1 Year 1 $1,845,000 $1,845,000 $0 5.25%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,742 $269,560,000 $72,036
    $2k-3k 2,062 $444,960,000 $215,790
    $1k-2k 1,234 $155,340,000 $125,883
    $3k-4k 1,182 $354,090,000 $299,569
    $5k+ 863 $272,995,000 $316,333
    $4k-5k 512 $166,980,000 $326,133

    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

    Loan Rate Originations Total Value Average Loan
    <2.5% 6,831 $961,845,000 $140,806
    4-5% 4,006 $449,910,000 $112,309
    2.5-3% 2,691 $670,085,000 $249,010
    3-4% 2,185 $483,915,000 $221,471
    5-6% 1,685 $160,765,000 $95,409
    Over 8% 884 $44,060,000 $49,842
    6-7% 450 $31,660,000 $70,356
    7-8% 300 $16,340,000 $54,467

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 8,882 $449,020,000 $50,554 $327 4.36%
    $100k-200k 4,979 $706,705,000 $141,937 $3,103 3.18%
    $200k-400k 4,278 $1,158,190,000 $270,732 $5,427 3.04%
    $400k-600k 747 $343,345,000 $459,632 $7,838 3.04%
    $600k-1MM 118 $83,700,000 $709,322 $9,643 3.23%
    $1MM+ 28 $77,620,000 $2,772,143 $12,197 3.01%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 5,168 $741,190,000 $143,419 $3,133 3.80%
    $75k-100k 3,980 $531,520,000 $133,548 $3,146 3.76%
    $50k-75k 3,702 $464,890,000 $125,578 $3,306 3.54%
    $150k-250k 2,881 $491,205,000 $170,498 $2,965 3.83%
    $50k or less 1,704 $181,090,000 $106,273 $2,907 3.34%
    $250k+ 1,074 $271,990,000 $253,250 $3,256 3.67%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 4,427 $617,585,000 $139,504 $3,142 3.46%
    30-36% 3,536 $499,770,000 $141,338 $3,224 3.73%
    50-60% 1,726 $254,620,000 $147,520 $856 3.88%
    <20% 1,676 $235,250,000 $140,364 $2,909 3.23%
    37% 616 $91,410,000 $148,393 $3,268 3.64%
    41% 610 $90,540,000 $148,426 $3,209 3.86%
    44% 604 $94,490,000 $156,440 $3,568 3.93%
    36% 603 $86,905,000 $144,121 $3,234 3.84%
    40% 585 $90,145,000 $154,094 $3,310 3.89%
    42% 575 $87,035,000 $151,365 $3,246 3.86%
    39% 572 $88,160,000 $154,126 $3,522 3.87%
    38% 568 $81,710,000 $143,856 $3,251 3.81%
    43% 565 $85,465,000 $151,265 $3,812 3.70%
    >60% 426 $98,120,000 $230,329 $1,944 3.79%
    45% 413 $51,785,000 $125,387 $2,385 4.10%
    46% 410 $56,320,000 $137,366 $2,568 3.96%
    47% 378 $53,280,000 $140,952 $3,366 4.07%
    48% 373 $52,355,000 $140,362 $3,136 3.84%
    49% 343 $43,745,000 $127,536 $3,246 4.05%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 16,294 $2,348,790,000 $144,151 $3,096 3.69%
    Not provided 1,470 $238,750,000 $162,415 $3,762 3.53%
    Not applicable 189 $83,075,000 $439,550 $14 3.77%
    Asian 535 $81,995,000 $153,262 $3,150 3.68%
    Black 226 $25,250,000 $111,726 $2,555 4.37%
    American Indian 147 $19,685,000 $133,912 $3,685 3.46%
    Native Hawaiian or Islander 140 $17,660,000 $126,143 $2,801 4.25%
    Other Pacific Islander 24 $2,540,000 $105,833 $0 3.41%
    Other Asian 2 $380,000 $190,000 $13,093 4.18%
    Filipino 1 $205,000 $205,000 $3,790 3.13%
    Asian Indian 2 $140,000 $70,000 $0 3.49%
    Samoan 1 $65,000 $65,000 $0 9.24%
    Guamanian 1 $45,000 $45,000 $0 1.99%

    Approval Rates

    Total approvals of all applications
    80.77%

    America First has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    76.43%

    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

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4,194 $596,110,000 $142,134 $2,059 3.46%
    40-60% 2,992 $662,130,000 $221,300 $4,193 2.91%
    60-80% 2,682 $814,470,000 $303,680 $5,723 3.07%
    80-100% 916 $284,410,000 $310,491 $5,935 3.18%
    Over 100% 3 $875,000 $291,667 $12,645 2.38%
    Under 20% 8,245 $460,585,000 $55,862 $105 4.35%

    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%