Amerifirst Financial Corporation Mortgage Rates, Fees & Info
KALAMAZOO, MILEI: 54930080OKRZ7NNZIO71
Tax ID: 38-2699549
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Mortgage Data
Review & Overview
Amerifirst Financial Corporation is a small mortgage company specializing in Home Purchase loans. Amerifirst Financial Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Tampa, Orlando, Indianapolis, Detroit, and Cincinnati among others. We have data for 201 markets. (Some data included below & more in-depth data is available with an active subscription.)Amerifirst Financial Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Amerifirst Financial Corporation 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.32% | 11/22/24 |
| 30 Year Conventional Refi | 7.31% | 11/22/24 |
| 30 Year Cash-out Refi | 7.32% | 11/22/24 |
| 30 Year FHA Purchase | 8.02% | 11/22/24 |
| 30 Year FHA Refi | 8.14% | 11/22/24 |
| 30 Year VA Purchase | 6.87% | 11/22/24 |
| 30 Year VA Refi | 6.42% | 11/22/24 |
| 30 Year USDA Purchase | 7.44% | 11/22/24 |
| 30 Year USDA Refi | 7.57% | 11/22/24 |
| 15 Year Conventional Purchase | 6.54% | 11/22/24 |
| 15 Year Conventional Refi | 6.45% | 11/22/24 |
| 15 Year Cash-out Refi | 6.45% | 11/22/24 |
| 15 Year FHA Purchase | 5.68% | 11/22/24 |
| 15 Year FHA Refi | 5.68% | 11/22/24 |
| 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. | ||
Amerifirst Financial Corporation Mortgage Calculator
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This is not an official calculator from Amerifirst Financial Corporation. 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
9,143Origination Dollar Volume (All Markets)
$1,538,235,000Awards
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AMERIFIRST FINANCIAL CORPORATION - 2019
AMERIFIRST FINANCIAL CORPORATION 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 |
|---|---|---|---|---|---|
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 811 | $168,355,000 | $207,589 | $5,316 | 4.54% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 620 | $147,830,000 | $238,435 | $6,810 | 4.56% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 769 | $128,635,000 | $167,276 | $4,129 | 4.41% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 739 | $117,425,000 | $158,897 | $4,014 | 4.68% |
| Outside of Metro Areas | 836 | $106,220,000 | $127,057 | $4,205 | 4.74% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 401 | $64,055,000 | $159,738 | $4,890 | 4.62% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 339 | $53,485,000 | $157,773 | $4,309 | 4.56% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 117 | $48,065,000 | $410,812 | $10,174 | 4.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 253 | $47,775,000 | $188,834 | $6,371 | 4.54% |
| TOLEDO, OH (FHA|USDA|VA) | 284 | $39,510,000 | $139,120 | $5,064 | 4.76% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 225 | $34,585,000 | $153,711 | $6,248 | 4.46% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 150 | $33,310,000 | $222,067 | $4,831 | 4.39% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 231 | $27,635,000 | $119,632 | $4,027 | 4.87% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 82 | $26,050,000 | $317,683 | $9,983 | 4.43% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 149 | $25,995,000 | $174,463 | $4,373 | 4.61% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 145 | $24,325,000 | $167,759 | $3,995 | 4.45% |
| NILES, MI (FHA|USDA|VA) | 173 | $24,145,000 | $139,566 | $5,236 | 4.79% |
| Holland, MI (FHA|USDA|VA) | 99 | $17,025,000 | $171,970 | $4,697 | 4.63% |
| New Castle, IN (FHA|USDA|VA) | 157 | $16,245,000 | $103,471 | $3,788 | 4.72% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 105 | $14,135,000 | $134,619 | $4,516 | 4.70% |
| Cadillac, MI (FHA|USDA|VA) | 108 | $13,430,000 | $124,352 | $4,022 | 4.47% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 88 | $12,910,000 | $146,705 | $5,812 | 4.86% |
| Coldwater, MI (FHA|USDA|VA) | 107 | $12,745,000 | $119,112 | $4,469 | 4.75% |
| Sturgis, MI (FHA|USDA|VA) | 98 | $12,030,000 | $122,755 | $4,569 | 4.67% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 83 | $11,455,000 | $138,012 | $4,006 | 4.49% |
| Traverse City, MI (FHA|USDA|VA) | 62 | $11,220,000 | $180,968 | $4,577 | 4.58% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 25 | $10,645,000 | $425,800 | $12,320 | 4.33% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 55 | $10,225,000 | $185,909 | $6,104 | 4.69% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 72 | $9,840,000 | $136,667 | $5,360 | 4.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 39 | $9,785,000 | $250,897 | $4,855 | 4.35% |
| GAINESVILLE, FL (FHA|USDA|VA) | 65 | $9,625,000 | $148,077 | $5,562 | 4.85% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 56 | $8,870,000 | $158,393 | $4,624 | 4.90% |
| AKRON, OH (FHA|USDA|VA) | 55 | $8,555,000 | $155,545 | $5,698 | 4.78% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 62 | $8,190,000 | $132,097 | $4,709 | 4.71% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 40 | $7,990,000 | $199,750 | $5,057 | 4.38% |
| OCALA, FL (FHA|USDA|VA) | 45 | $6,915,000 | $153,667 | $5,229 | 4.81% |
| APPLETON, WI (FHA|USDA|VA) | 39 | $6,785,000 | $173,974 | $3,791 | 4.29% |
| ASHEVILLE, NC (FHA|USDA|VA) | 25 | $6,065,000 | $242,600 | $4,840 | 4.09% |
| Big Rapids, MI (FHA|USDA|VA) | 47 | $5,905,000 | $125,638 | $3,767 | 4.58% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 29 | $5,745,000 | $198,103 | $4,175 | 4.76% |
| LOUISVILLE, KY (FHA|USDA|VA) | 36 | $5,720,000 | $158,889 | $3,900 | 4.84% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 34 | $5,610,000 | $165,000 | $5,256 | 4.65% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 41 | $5,425,000 | $132,317 | $5,366 | 4.92% |
| JACKSON, MI (FHA|USDA|VA) | 41 | $5,075,000 | $123,780 | $4,762 | 4.83% |
| OWENSBORO, KY (FHA|USDA|VA) | 33 | $4,955,000 | $150,152 | $4,924 | 4.83% |
| Hillsdale, MI (FHA|USDA|VA) | 45 | $4,785,000 | $106,333 | $4,139 | 4.64% |
| LIMA, OH (FHA|USDA|VA) | 41 | $4,735,000 | $115,488 | $4,756 | 4.81% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 32 | $4,470,000 | $139,688 | $3,600 | 4.93% |
| FLINT, MI (FHA|USDA|VA) | 27 | $4,445,000 | $164,630 | $3,742 | 4.65% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 26 | $4,240,000 | $163,077 | $4,747 | 4.89% |
| Salem, OH (FHA|USDA|VA) | 30 | $4,160,000 | $138,667 | $6,493 | 5.02% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 30 | $4,010,000 | $133,667 | $5,288 | 4.86% |
| COLUMBUS, IN (FHA|USDA|VA) | 24 | $3,900,000 | $162,500 | $4,368 | 4.70% |
| MUNCIE, IN (FHA|USDA|VA) | 31 | $3,705,000 | $119,516 | $3,901 | 4.42% |
| SAGINAW, MI (FHA|USDA|VA) | 32 | $3,680,000 | $115,000 | $4,001 | 4.61% |
| MADISON, WI (FHA|USDA|VA) | 15 | $3,555,000 | $237,000 | $5,383 | 4.75% |
| MONROE, MI (FHA|USDA|VA) | 21 | $3,535,000 | $168,333 | $4,197 | 4.55% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 15 | $3,345,000 | $223,000 | $4,702 | 4.30% |
| DANVILLE, IL (FHA|USDA|VA) | 29 | $3,305,000 | $113,966 | $4,681 | 4.57% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 19 | $3,175,000 | $167,105 | $3,801 | 4.47% |
| ANN ARBOR, MI (FHA|USDA|VA) | 14 | $3,090,000 | $220,714 | $3,940 | 4.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $3,070,000 | $255,833 | $5,208 | 4.72% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 17 | $2,985,000 | $175,588 | $5,980 | 4.60% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 20 | $2,820,000 | $141,000 | $5,402 | 4.59% |
| Fremont, OH (FHA|USDA|VA) | 21 | $2,535,000 | $120,714 | $4,498 | 4.98% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 15 | $2,415,000 | $161,000 | $5,964 | 4.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 13 | $2,305,000 | $177,308 | $7,086 | 4.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 13 | $2,285,000 | $175,769 | $7,543 | 4.79% |
| Greensburg, IN (FHA|USDA|VA) | 20 | $2,260,000 | $113,000 | $4,626 | 4.43% |
| KOKOMO, IN (FHA|USDA|VA) | 17 | $2,215,000 | $130,294 | $4,485 | 4.26% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 15 | $2,195,000 | $146,333 | $5,052 | 5.02% |
| Jasper, IN (FHA|USDA|VA) | 17 | $2,125,000 | $125,000 | $4,344 | 4.85% |
| Connersville, IN (FHA|USDA|VA) | 20 | $2,090,000 | $104,500 | $4,532 | 5.06% |
| Bardstown, KY (FHA|USDA|VA) | 11 | $2,005,000 | $182,273 | $5,249 | 4.32% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $6,333 | 4.79% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 10 | $1,850,000 | $185,000 | $5,192 | 4.18% |
| Adrian, MI (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $4,232 | 4.80% |
| Wooster, OH (FHA|USDA|VA) | 11 | $1,805,000 | $164,091 | $5,498 | 4.51% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 11 | $1,645,000 | $149,545 | $4,234 | 4.94% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 11 | $1,565,000 | $142,273 | $3,861 | 4.86% |
| Alpena, MI (FHA|USDA|VA) | 15 | $1,535,000 | $102,333 | $3,931 | 4.99% |
| GREEN BAY, WI (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $3,321 | 4.58% |
| Mount Pleasant, MI (FHA|USDA|VA) | 10 | $1,350,000 | $135,000 | $4,560 | 5.22% |
| MIDLAND, MI (FHA|USDA|VA) | 10 | $1,330,000 | $133,000 | $4,043 | 4.95% |
| SPARTANBURG, SC (FHA|USDA|VA) | 9 | $1,295,000 | $143,889 | $6,012 | 4.61% |
| Wapakoneta, OH (FHA|USDA|VA) | 10 | $1,270,000 | $127,000 | $4,338 | 4.59% |
| BURLINGTON, NC (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $7,120 | 4.55% |
| MUSKEGON, MI (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $4,181 | 4.67% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $7,596 | 4.55% |
| Lewisburg, TN (FHA|USDA|VA) | 7 | $1,065,000 | $152,143 | $4,732 | 5.20% |
| Seymour, IN (FHA|USDA|VA) | 7 | $985,000 | $140,714 | $5,205 | 5.11% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $3,826 | 4.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $4,370 | 4.78% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $5,710 | 4.44% |
| North Wilkesboro, NC (FHA|USDA|VA) | 8 | $940,000 | $117,500 | $5,124 | 5.39% |
| North Vernon, IN (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $5,532 | 4.31% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,421 | 5.06% |
| Marquette, MI (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $4,810 | 4.63% |
| Alma, MI (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $3,740 | 4.02% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 10 | $830,000 | $83,000 | $5,055 | 3.90% |
| Maysville, KY (FHA|USDA|VA) | 8 | $830,000 | $103,750 | $4,270 | 5.05% |
| Madison, IN (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $4,579 | 4.35% |
| Palatka, FL (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $6,119 | 5.52% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $5,720 | 4.79% |
| Richmond, IN (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $3,278 | 4.88% |
| Bedford, IN (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $3,906 | 4.63% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $4,132 | 5.10% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $5,818 | 4.85% |
| Crawfordsville, IN (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $5,656 | 4.53% |
| Campbellsville, KY (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $3,639 | 4.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,855 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $4,931 | 4.30% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $5,370 | 4.37% |
| Marion, IN (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,898 | 4.47% |
| Baraboo, WI (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,983 | 4.72% |
| Danville, KY (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $7,970 | 4.75% |
| Ashtabula, OH (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $5,186 | 4.19% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,182 | 4.71% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,217 | 4.63% |
| BAY CITY, MI (FHA|USDA|VA) | 6 | $500,000 | $83,333 | $3,060 | 4.94% |
| Peru, IN (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $5,129 | 4.00% |
| FOND DU LAC, WI (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,874 | 5.08% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,918 | 4.46% |
| Shawano, WI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,433 | 3.13% |
| Lawrenceburg, TN (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,062 | 5.42% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,811 | 4.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,891 | 3.71% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,298 | 4.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,547 | 3.81% |
| Findlay, OH (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,443 | 4.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,301 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $3,467 | 4.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,749 | 4.75% |
| Sandusky, OH (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $7,159 | 5.04% |
| Forest City, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $6,764 | 5.38% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,087 | 4.54% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,958 | 3.00% |
| Tiffin, OH (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $5,152 | 4.81% |
| Decatur, IN (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $3,658 | 4.59% |
| Lake City, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,700 | 5.62% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $8,475 | 5.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $4,074 | 4.71% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,454 | 3.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,422 | 4.13% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,950 | 3.88% |
| Coshocton, OH (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $4,893 | 4.92% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,238 | 4.50% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,828 | 4.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,091 | 3.88% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $6,190 | 5.00% |
| Washington, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,084 | 5.25% |
| Celina, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,653 | 5.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,133 | 4.63% |
| Van Wert, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,633 | 4.56% |
| Logansport, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,387 | 3.63% |
| Greenville, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,986 | 6.00% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,962 | 4.94% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,658 | 4.00% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,177 | 3.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,607 | 5.38% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,543 | 5.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,525 | 3.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,596 | 4.38% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,207 | 4.50% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,174 | 4.13% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,096 | 4.88% |
| Angola, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,139 | 5.25% |
| READING, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,331 | 3.38% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,381 | 4.50% |
| Ludington, MI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,987 | 5.56% |
| Huntington, IN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,594 | 4.94% |
| Newport, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,843 | 4.00% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,770 | 5.13% |
| Seneca, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,711 | 6.00% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,312 | 3.75% |
| Marion, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,029 | 3.88% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,998 | 4.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,791 | 6.13% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,898 | 4.38% |
| Defiance, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,286 | 4.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,184 | 4.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $4,440 | 5.31% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,779 | 4.50% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,361 | 4.50% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,536 | 6.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,224 | 4.50% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,240 | 6.00% |
| Wabash, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,743 | 3.38% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,143 | 5.00% |
| Wilson, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,859 | 6.50% |
| Albertville, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,477 | 5.50% |
| Sidney, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,645 | 4.75% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,384 | 4.88% |
| Houghton, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,707 | 4.00% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,888 | 5.38% |
| Auburn, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,666 | 5.00% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,824 | 3.75% |
| New Castle, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,569 | 5.50% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,710 | 4.75% |
| Athens, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,828 | 4.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,476 | 3.88% |
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Product Mix
For 2019, Amerifirst Financial Corporation's most frequently originated type of loan was Conventional, with 4,781 originations. Their 2nd most popular type was FHA, with 2,589 originations.
Loan Reason
For 2019, Amerifirst Financial Corporation's most frequently cited loan purpose was Home Purchase, with 7,348 originations. The 2nd most popular reason was Refi, with 1,121 originations.
Loan Duration/Length
For 2019, Amerifirst Financial Corporation's most frequently cited loan duration was 30 Year, with 8,566 originations. The 2nd most popular length was 15 Year, with 403 originations.
Origination Fees/Closing Costs
Amerifirst Financial Corporation's average total fees were $5,050, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,349 originations.
Interest Rates
During 2019, Amerifirst Financial Corporation's average interest rate for loans was 4.67%, while their most frequently originated rate bucket for loans was 4-5%, with 4,259 originations.
Loan Sizing
2019 saw Amerifirst Financial Corporation place emphasis on $100k-200k loans with 4,572 originations, totaling $663,110,000 in origination value.
Applicant Income
Amerifirst Financial Corporation lent most frequently to those with incomes in the $50k or less range, with 3,033 originations. The second most popular income band? $50k-75k, with 2,666 originations.
Applicant Debt to Income Ratio
Amerifirst Financial Corporation lent most frequently to those with DTI ratios of 30-36%, with 1,731 originations. The next most common DTI ratio? 20-30%, with 1,664 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.41%
Amerifirst Financial Corporation has an average approval rate.
Pick Rate
Approvals leading to origination72.23%
Amerifirst Financial Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,143 | $1,538,235,000 | $168,242 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 426 | $47,960,000 | $112,582 |
| Single Family (1-4 Units):Site-Built | 8,717 | $1,490,275,000 | $170,962 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AmeriFirst Financial Corporation | Conventional home mortgage | Struggling to pay mortgage | 1 | 9.1% |
| AmeriFirst Financial Corporation | Conventional home mortgage | Trouble during payment process | 1 | 9.1% |
| AmeriFirst Financial Corporation | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 9.1% |
| AmeriFirst Financial Corporation | FHA mortgage | Trouble during payment process | 2 | 18.2% |
| AmeriFirst Financial Corporation | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 9.1% |
| AmeriFirst Financial Corporation | Other type of mortgage | Trouble during payment process | 3 | 27.3% |
| AmeriFirst Financial Corporation | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 9.1% |
| AmeriFirst Financial Corporation | VA mortgage | Trouble during payment process | 1 | 9.1% |