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 Home Improvement, Other, and 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.) Their top markets by origination volume include: Ogden, Salt Lake City, Provo, Las Vegas, and Phoenix among others. We have data for 48 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    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

    20,698

    Origination Dollar Volume (All Markets)

    $2,646,930,000
    Show all (5) 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) 6,546 $782,270,000 $119,504 $1,186 4.94%
    SALT LAKE CITY, UT (FHA|USDA|VA) 5,690 $729,390,000 $128,188 $967 5.13%
    PROVO-OREM, UT (FHA|USDA|VA) 2,808 $364,160,000 $129,687 $816 5.21%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2,500 $306,350,000 $122,540 $1,305 5.43%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 624 $93,210,000 $149,375 $1,196 5.32%
    ST. GEORGE, UT (FHA|USDA|VA) 612 $88,820,000 $145,131 $1,278 5.05%
    Heber, UT (FHA|USDA|VA) 314 $78,130,000 $248,822 $1,086 4.89%
    LOGAN, UT-ID (FHA|USDA|VA) 638 $69,830,000 $109,451 $1,029 5.21%
    Outside of Metro Areas 298 $37,390,000 $125,470 $2,273 5.04%
    ALBUQUERQUE, NM (FHA|USDA|VA) 8 $15,870,000 $1,983,750 $1,107 6.26%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 90 $11,880,000 $132,000 $1,850 5.11%
    Cedar City, UT (FHA|USDA|VA) 88 $9,860,000 $112,045 $1,029 5.24%
    BOISE CITY, ID (FHA|USDA|VA) 80 $9,810,000 $122,625 $1,027 5.55%
    TUCSON, AZ (FHA|USDA|VA) 53 $7,815,000 $147,453 $926 5.90%
    Pahrump, NV (FHA|USDA|VA) 49 $6,105,000 $124,592 $3,154 5.71%
    RENO, NV (FHA|USDA|VA) 41 $6,075,000 $148,171 $2,770 5.12%
    Rexburg, ID (FHA|USDA|VA) 17 $3,265,000 $192,059 $5,124 5.48%
    IDAHO FALLS, ID (FHA|USDA|VA) 26 $2,940,000 $113,077 $1,875 4.92%
    FLAGSTAFF, AZ (FHA|USDA|VA) 19 $2,645,000 $139,211 $5,167 6.03%
    Vernal, UT (FHA|USDA|VA) 23 $2,515,000 $109,348 $1,864 5.91%
    POCATELLO, ID (FHA|USDA|VA) 20 $2,420,000 $121,000 $2,360 5.48%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 18 $1,910,000 $106,111 $1,588 5.07%
    TWIN FALLS, ID (FHA|USDA|VA) 12 $1,750,000 $145,833 $4,812 5.02%
    Price, UT (FHA|USDA|VA) 20 $1,340,000 $67,000 $1,781 5.93%
    Show Low, AZ (FHA|USDA|VA) 10 $1,290,000 $129,000 $2,101 4.77%
    Elko, NV (FHA|USDA|VA) 14 $1,200,000 $85,714 $929 5.18%
    Fernley, NV (FHA|USDA|VA) 16 $1,030,000 $64,375 $0 6.15%
    SANTA FE, NM (FHA|USDA|VA) 4 $970,000 $242,500 $4,911 5.84%
    Hailey, ID (FHA|USDA|VA) 2 $830,000 $415,000 $0 4.24%
    Outside of Metro Areas 5 $675,000 $135,000 $2,040 4.42%
    Blackfoot, ID (FHA|USDA|VA) 5 $605,000 $121,000 $0 6.54%
    Sandpoint, ID (FHA|USDA|VA) 4 $600,000 $150,000 $2,480 5.02%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 10 $570,000 $57,000 $0 6.32%
    Winnemucca, NV (FHA|USDA|VA) 4 $530,000 $132,500 $6,737 4.12%
    Burley, ID (FHA|USDA|VA) 3 $485,000 $161,667 $2,783 6.12%
    Ontario, OR-ID (FHA|USDA|VA) 2 $420,000 $210,000 $13,273 2.81%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $325,000 $108,333 $0 2.99%
    YUMA, AZ (FHA|USDA|VA) 5 $305,000 $61,000 $0 6.49%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $295,000 $295,000 $0 4.74%
    Mountain Home, ID (FHA|USDA|VA) 3 $285,000 $95,000 $2,305 7.95%
    CARSON CITY, NV (FHA|USDA|VA) 5 $265,000 $53,000 $0 6.24%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.24%
    Fallon, NV (FHA|USDA|VA) 2 $100,000 $50,000 $0 3.74%
    Payson, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $5,410 3.00%
    Safford, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $0 5.99%
    FARMINGTON, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.74%
    Jackson, WY-ID (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.49%
    Nogales, AZ (FHA|USDA|VA) 1 $5,000 $5,000 $0 4.49%
    America First's top markets include Ogden, Salt Lake City, Provo, Las Vegas, and Phoenix among others.

    Their top states include:
  • Utah (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • New Mexico (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: 56
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 96
    Jordan Federal Credit Union
    Similarity Rank: 388
    First Credit Union
    Similarity Rank: 450
    PIONEER
    Similarity Rank: 470
    Central Bank
    Similarity Rank: 574
    State Bank of Southern Utah
    Similarity Rank: 603
    TRANSWEST CREDIT UNION
    Similarity Rank: 610
    SIMPLIFI MORTGAGE, LLC
    Similarity Rank: 660
    CAPITAL EDUCATORS FEDERAL CREDIT UNION
    Similarity Rank: 852

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 12,472 $1,613,080,000 $129,336 n/a 4.89%
    Conventional 8,144 $1,006,160,000 $123,546 $1,050 5.50%
    FHA 52 $16,360,000 $314,615 $11,402 5.02%
    VA 30 $11,330,000 $377,667 $11,895 3.88%

    For 2022, America First's most frequently originated type of loan was HELOC, with 12,472 originations. Their 2nd most popular type was Conventional, with 8,144 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 8,939 $820,005,000 $91,733 $29 5.18%
    Other 5,479 $549,715,000 $100,331 $76 5.34%
    Refi 3,792 $597,500,000 $157,569 $524 4.95%
    Home Purchase 1,629 $439,395,000 $269,733 $5,041 5.11%
    Cash Out Refi 859 $240,315,000 $279,761 $5,350 4.11%

    For 2022, America First's most frequently cited loan purpose was Home Improvement, with 8,939 originations. The 2nd most popular reason was Other, with 5,479 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    5 Year 12,268 $1,471,120,000 $119,915 $0 4.78%
    10 Year 5,159 $432,615,000 $83,856 $45 5.91%
    15 Year 1,731 $326,785,000 $188,784 $1,544 5.69%
    30 Year 1,223 $368,625,000 $301,410 $6,132 4.64%
    Other 183 $18,825,000 $102,869 $0 5.27%
    20 Year 134 $28,960,000 $216,119 $4,589 3.89%

    For 2022, America First's most frequently cited loan duration was 5 Year, with 12,268 originations. The 2nd most popular length was 10 Year, with 5,159 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 6,394 $496,000,000 $77,573
    $2k-3k 492 $111,100,000 $225,813
    $3k-4k 361 $112,395,000 $311,343
    $1k-2k 312 $40,040,000 $128,333
    $5k+ 270 $113,940,000 $422,000
    $4k-5k 167 $64,325,000 $385,180

    America First's average total fees were $6,132, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,394 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,822 $683,610,000 $141,769
    5-6% 4,119 $500,325,000 $121,468
    3-4% 3,472 $521,840,000 $150,300
    <2.5% 2,333 $304,395,000 $130,474
    6-7% 2,290 $251,530,000 $109,838
    Over 8% 1,738 $142,810,000 $82,169
    7-8% 1,419 $162,925,000 $114,817
    2.5-3% 505 $79,495,000 $157,416

    During 2022, America First's average interest rate for loans was 4.64%, while their most frequently originated rate bucket for loans was 4-5%, with 4,822 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 11,484 $598,200,000 $52,090 $62 5.41%
    $100k-200k 5,274 $701,200,000 $132,954 $1,060 4.88%
    $200k-400k 3,078 $821,810,000 $266,995 $4,323 4.68%
    $400k-600k 635 $293,075,000 $461,535 $7,490 4.51%
    $600k-1MM 167 $117,585,000 $704,102 $7,554 4.38%
    $1MM+ 60 $115,060,000 $1,917,667 $9,832 4.31%

    2022 saw America First place emphasis on $100,000 or less loans with 11,484 originations, totaling $598,200,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6,024 $692,260,000 $114,917 $1,035 5.15%
    $75k-100k 3,897 $394,115,000 $101,133 $1,302 5.23%
    $150k-250k 3,760 $584,950,000 $155,572 $1,029 5.06%
    $50k-75k 3,596 $306,630,000 $85,270 $1,196 5.20%
    $250k+ 1,594 $443,070,000 $277,961 $1,169 5.02%
    $50k or less 1,241 $92,605,000 $74,621 $1,318 5.04%

    America First lent most frequently to those with incomes in the $100k-150k range, with 6,024 originations. The second most popular income band? $75k-100k, with 3,897 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,710 $397,220,000 $107,067 $974 4.89%
    50-60% 3,532 $450,620,000 $127,582 $229 5.35%
    30-36% 3,276 $365,700,000 $111,630 $1,174 5.11%
    >60% 1,568 $304,070,000 $193,922 $144 5.25%
    <20% 1,331 $153,495,000 $115,323 $934 4.58%
    41% 586 $74,100,000 $126,451 $1,659 5.25%
    39% 564 $68,040,000 $120,638 $1,455 5.27%
    38% 562 $64,650,000 $115,036 $1,564 5.09%
    40% 562 $71,820,000 $127,794 $1,697 5.30%
    36% 561 $63,525,000 $113,235 $1,521 5.12%
    37% 558 $62,690,000 $112,348 $1,210 5.26%
    42% 555 $71,665,000 $129,126 $1,653 5.26%
    44% 524 $71,180,000 $135,840 $2,327 5.06%
    43% 520 $69,760,000 $134,154 $2,008 5.14%
    45% 476 $57,430,000 $120,651 $1,686 5.27%
    48% 472 $62,520,000 $132,458 $1,580 5.37%
    46% 460 $58,220,000 $126,565 $1,575 5.23%
    47% 429 $58,115,000 $135,466 $1,507 5.15%
    49% 429 $60,775,000 $141,667 $1,900 5.35%

    America First lent most frequently to those with DTI ratios of 20-30%, with 3,710 originations. The next most common DTI ratio? 50-60%, with 3,532 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 17,429 $2,140,545,000 $122,815 $1,120 5.11%
    Not provided 1,627 $232,035,000 $142,615 $1,648 5.25%
    Asian 635 $96,985,000 $152,732 $1,312 5.13%
    Not applicable 242 $93,220,000 $385,207 $1 4.54%
    Black 353 $37,085,000 $105,057 $1,289 5.67%
    Native Hawaiian or Islander 200 $24,850,000 $124,250 $633 5.33%
    American Indian 185 $19,205,000 $103,811 $1,340 5.65%
    Other Pacific Islander 16 $1,840,000 $115,000 $174 4.93%
    Asian Indian 3 $395,000 $131,667 $0 4.99%
    Other Asian 4 $290,000 $72,500 $0 4.99%
    Korean 1 $235,000 $235,000 $0 1.99%
    Guamanian 1 $125,000 $125,000 $0 6.99%
    Filipino 1 $85,000 $85,000 $0 4.99%
    Japanese 1 $35,000 $35,000 $0 4.74%

    Approval Rates

    Total approvals of all applications
    83.35%

    America First has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.15%

    America First has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 20,698 $2,646,930,000 $127,883

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    20,698 $2,646,930,000 $127,883

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 5,394 $882,000,000 $163,515 $785 4.93%
    40-60% 1,698 $473,140,000 $278,645 $3,172 4.48%
    60-80% 891 $324,175,000 $363,833 $5,626 4.70%
    80-100% 521 $188,235,000 $361,296 $6,754 4.93%
    Over 100% 5 $15,725,000 $3,145,000 $16,511 3.83%
    Under 20% 12,188 $760,650,000 $62,410 $35 5.35%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    American Financial Network Inc. FHA mortgage Trouble during payment process 1 100.0%