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 mid-sized mortgage company specializing in Home Purchase and Refi 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, Detroit, Cincinnati, and Indianapolis among others. We have data for 244 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% | 11/21/24 |
| 30 Year Conventional Refi | 7.31% | 11/21/24 |
| 30 Year Cash-out Refi | 7.32% | 11/21/24 |
| 30 Year FHA Purchase | 8.02% | 11/21/24 |
| 30 Year FHA Refi | 8.14% | 11/21/24 |
| 30 Year VA Purchase | 6.87% | 11/21/24 |
| 30 Year VA Refi | 6.42% | 11/21/24 |
| 30 Year USDA Purchase | 7.44% | 11/21/24 |
| 30 Year USDA Refi | 7.57% | 11/21/24 |
| 15 Year Conventional Purchase | 6.54% | 11/21/24 |
| 15 Year Conventional Refi | 6.45% | 11/21/24 |
| 15 Year Cash-out Refi | 6.45% | 11/21/24 |
| 15 Year FHA Purchase | 5.68% | 11/21/24 |
| 15 Year FHA Refi | 5.68% | 11/21/24 |
| 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. | ||
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
17,085Origination Dollar Volume (All Markets)
$3,303,485,000Awards
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AMERIFIRST FINANCIAL CORPORATION - 2020
AMERIFIRST FINANCIAL CORPORATION is a 2020 , due to their low .
For 2020, 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) | 2,109 | $471,645,000 | $223,634 | $5,658 | 3.24% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1,171 | $311,665,000 | $266,153 | $6,543 | 3.23% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1,298 | $231,020,000 | $177,982 | $3,977 | 3.28% |
| Outside of Metro Areas | 1,372 | $200,570,000 | $146,188 | $4,188 | 3.31% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 865 | $158,495,000 | $183,231 | $4,526 | 3.20% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 796 | $144,450,000 | $181,470 | $3,862 | 3.11% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 670 | $139,660,000 | $208,448 | $6,246 | 3.37% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 702 | $118,990,000 | $169,501 | $3,966 | 3.20% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 446 | $115,560,000 | $259,103 | $4,297 | 3.21% |
| TOLEDO, OH (FHA|USDA|VA) | 523 | $83,045,000 | $158,786 | $4,869 | 3.24% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 192 | $81,420,000 | $424,063 | $7,968 | 3.33% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 201 | $65,385,000 | $325,299 | $7,568 | 3.27% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 336 | $65,110,000 | $193,780 | $5,457 | 3.08% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 363 | $52,875,000 | $145,661 | $3,954 | 3.33% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 290 | $52,240,000 | $180,138 | $3,711 | 3.10% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 228 | $44,570,000 | $195,482 | $4,414 | 3.07% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 177 | $43,645,000 | $246,582 | $6,139 | 3.25% |
| NILES, MI (FHA|USDA|VA) | 259 | $42,125,000 | $162,645 | $4,998 | 3.45% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 148 | $38,970,000 | $263,311 | $4,217 | 3.09% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 188 | $32,650,000 | $173,670 | $5,317 | 3.28% |
| New Castle, IN (FHA|USDA|VA) | 254 | $31,920,000 | $125,669 | $3,725 | 3.39% |
| Traverse City, MI (FHA|USDA|VA) | 141 | $31,685,000 | $224,716 | $3,686 | 3.11% |
| Holland, MI (FHA|USDA|VA) | 173 | $30,875,000 | $178,468 | $4,439 | 3.20% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 166 | $28,200,000 | $169,880 | $5,324 | 3.17% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 178 | $27,070,000 | $152,079 | $5,469 | 3.16% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 174 | $26,930,000 | $154,770 | $4,349 | 3.34% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 175 | $26,185,000 | $149,629 | $3,632 | 3.18% |
| Coldwater, MI (FHA|USDA|VA) | 193 | $25,985,000 | $134,637 | $4,334 | 3.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 95 | $24,825,000 | $261,316 | $5,222 | 3.18% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 110 | $23,240,000 | $211,273 | $6,113 | 3.23% |
| GAINESVILLE, FL (FHA|USDA|VA) | 123 | $22,135,000 | $179,959 | $5,770 | 3.58% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 55 | $22,095,000 | $401,727 | $6,872 | 3.28% |
| Cadillac, MI (FHA|USDA|VA) | 158 | $21,940,000 | $138,861 | $4,110 | 3.14% |
| Sturgis, MI (FHA|USDA|VA) | 141 | $19,105,000 | $135,496 | $4,477 | 3.30% |
| LOUISVILLE, KY (FHA|USDA|VA) | 95 | $18,375,000 | $193,421 | $4,830 | 3.19% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 93 | $16,245,000 | $174,677 | $4,147 | 3.32% |
| OCALA, FL (FHA|USDA|VA) | 100 | $15,930,000 | $159,300 | $6,185 | 3.50% |
| LIMA, OH (FHA|USDA|VA) | 115 | $15,455,000 | $134,391 | $5,004 | 3.20% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 96 | $14,390,000 | $149,896 | $4,903 | 3.43% |
| AKRON, OH (FHA|USDA|VA) | 71 | $12,245,000 | $172,465 | $4,856 | 3.17% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 37 | $11,315,000 | $305,811 | $5,985 | 3.00% |
| FLINT, MI (FHA|USDA|VA) | 61 | $10,945,000 | $179,426 | $4,283 | 3.22% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 44 | $10,430,000 | $237,045 | $6,337 | 3.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 40 | $9,780,000 | $244,500 | $6,578 | 3.23% |
| Salem, OH (FHA|USDA|VA) | 66 | $9,540,000 | $144,545 | $5,698 | 3.41% |
| Big Rapids, MI (FHA|USDA|VA) | 55 | $8,695,000 | $158,091 | $3,608 | 3.33% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 48 | $8,510,000 | $177,292 | $5,167 | 3.63% |
| MONROE, MI (FHA|USDA|VA) | 40 | $7,740,000 | $193,500 | $4,140 | 3.19% |
| JACKSON, MI (FHA|USDA|VA) | 57 | $7,635,000 | $133,947 | $3,367 | 3.34% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 34 | $7,370,000 | $216,765 | $4,188 | 3.44% |
| SAGINAW, MI (FHA|USDA|VA) | 60 | $7,200,000 | $120,000 | $3,299 | 3.22% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 25 | $7,055,000 | $282,200 | $4,120 | 3.21% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 42 | $7,030,000 | $167,381 | $4,129 | 3.36% |
| ANN ARBOR, MI (FHA|USDA|VA) | 31 | $7,015,000 | $226,290 | $3,519 | 3.04% |
| Hillsdale, MI (FHA|USDA|VA) | 50 | $6,720,000 | $134,400 | $4,513 | 3.37% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 24 | $6,410,000 | $267,083 | $5,312 | 3.01% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 44 | $6,300,000 | $143,182 | $5,996 | 3.41% |
| MUNCIE, IN (FHA|USDA|VA) | 51 | $6,265,000 | $122,843 | $3,902 | 3.24% |
| COLUMBUS, OH (FHA|USDA|VA) | 34 | $6,160,000 | $181,176 | $4,255 | 2.97% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 27 | $5,995,000 | $222,037 | $5,852 | 3.21% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 22 | $5,710,000 | $259,545 | $4,470 | 2.99% |
| KOKOMO, IN (FHA|USDA|VA) | 29 | $5,575,000 | $192,241 | $4,295 | 3.21% |
| MADISON, WI (FHA|USDA|VA) | 18 | $5,470,000 | $303,889 | $3,623 | 3.61% |
| Wapakoneta, OH (FHA|USDA|VA) | 37 | $5,255,000 | $142,027 | $5,168 | 2.92% |
| Greensburg, IN (FHA|USDA|VA) | 37 | $5,185,000 | $140,135 | $4,489 | 3.23% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 28 | $5,160,000 | $184,286 | $4,306 | 3.47% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 32 | $5,020,000 | $156,875 | $5,643 | 3.11% |
| Connersville, IN (FHA|USDA|VA) | 37 | $5,005,000 | $135,270 | $3,980 | 3.49% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 23 | $4,765,000 | $207,174 | $5,690 | 3.10% |
| THE VILLAGES, FL (FHA|USDA|VA) | 22 | $4,310,000 | $195,909 | $7,706 | 3.78% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 21 | $4,285,000 | $204,048 | $5,681 | 3.70% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $4,285,000 | $476,111 | $6,080 | 3.24% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 18 | $4,140,000 | $230,000 | $6,028 | 3.31% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 30 | $3,990,000 | $133,000 | $3,998 | 3.57% |
| Ludington, MI (FHA|USDA|VA) | 17 | $3,185,000 | $187,353 | $6,125 | 3.46% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 14 | $3,130,000 | $223,571 | $4,969 | 3.23% |
| Alpena, MI (FHA|USDA|VA) | 21 | $3,105,000 | $147,857 | $4,205 | 3.26% |
| Jasper, IN (FHA|USDA|VA) | 20 | $3,010,000 | $150,500 | $4,913 | 3.18% |
| Fremont, OH (FHA|USDA|VA) | 22 | $2,890,000 | $131,364 | $5,451 | 3.75% |
| Somerset, KY (FHA|USDA|VA) | 21 | $2,885,000 | $137,381 | $4,813 | 3.50% |
| MIDLAND, MI (FHA|USDA|VA) | 16 | $2,880,000 | $180,000 | $4,027 | 3.19% |
| Frankfort, KY (FHA|USDA|VA) | 17 | $2,735,000 | $160,882 | $5,702 | 3.21% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 15 | $2,435,000 | $162,333 | $4,509 | 3.19% |
| WILMINGTON, NC (FHA|USDA|VA) | 12 | $2,430,000 | $202,500 | $4,972 | 3.11% |
| North Wilkesboro, NC (FHA|USDA|VA) | 16 | $2,330,000 | $145,625 | $4,488 | 3.41% |
| Adrian, MI (FHA|USDA|VA) | 15 | $2,315,000 | $154,333 | $5,067 | 3.38% |
| MUSKEGON, MI (FHA|USDA|VA) | 16 | $2,270,000 | $141,875 | $3,089 | 3.12% |
| Lewisburg, TN (FHA|USDA|VA) | 15 | $2,185,000 | $145,667 | $5,878 | 3.48% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $2,145,000 | $238,333 | $4,337 | 3.54% |
| COLUMBUS, IN (FHA|USDA|VA) | 12 | $2,080,000 | $173,333 | $3,532 | 3.15% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 11 | $2,015,000 | $183,182 | $4,023 | 2.73% |
| BURLINGTON, NC (FHA|USDA|VA) | 11 | $1,935,000 | $175,909 | $4,066 | 3.24% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 10 | $1,910,000 | $191,000 | $3,766 | 3.48% |
| DANVILLE, IL (FHA|USDA|VA) | 20 | $1,910,000 | $95,500 | $3,690 | 3.36% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $4,285 | 3.17% |
| BAY CITY, MI (FHA|USDA|VA) | 11 | $1,815,000 | $165,000 | $5,502 | 3.24% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 14 | $1,810,000 | $129,286 | $5,349 | 3.42% |
| Chillicothe, OH (FHA|USDA|VA) | 12 | $1,740,000 | $145,000 | $3,760 | 2.76% |
| Richmond, IN (FHA|USDA|VA) | 12 | $1,650,000 | $137,500 | $4,344 | 3.44% |
| Richmond-Berea, KY (FHA|USDA|VA) | 9 | $1,605,000 | $178,333 | $5,064 | 3.39% |
| Marion, IN (FHA|USDA|VA) | 16 | $1,600,000 | $100,000 | $3,343 | 3.11% |
| Bardstown, KY (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $6,354 | 3.45% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 9 | $1,555,000 | $172,778 | $5,340 | 3.44% |
| Mount Pleasant, MI (FHA|USDA|VA) | 10 | $1,500,000 | $150,000 | $4,075 | 3.39% |
| FORT WAYNE, IN (FHA|USDA|VA) | 11 | $1,305,000 | $118,636 | $3,060 | 3.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 9 | $1,265,000 | $140,556 | $4,754 | 3.18% |
| Brevard, NC (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $3,273 | 3.06% |
| OWENSBORO, KY (FHA|USDA|VA) | 9 | $1,195,000 | $132,778 | $3,730 | 3.04% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 14 | $1,170,000 | $83,571 | $4,290 | 3.34% |
| Campbellsville, KY (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $3,990 | 2.96% |
| APPLETON, WI (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $3,398 | 3.29% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 7 | $1,065,000 | $152,143 | $6,447 | 3.27% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,306 | 2.71% |
| Palatka, FL (FHA|USDA|VA) | 8 | $1,040,000 | $130,000 | $5,983 | 3.72% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $5,780 | 3.65% |
| Alma, MI (FHA|USDA|VA) | 9 | $1,005,000 | $111,667 | $3,930 | 3.86% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $970,000 | $121,250 | $4,265 | 3.34% |
| Wooster, OH (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $7,488 | 3.58% |
| RACINE, WI (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $3,258 | 3.28% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,716 | 2.75% |
| Maysville, KY (FHA|USDA|VA) | 9 | $865,000 | $96,111 | $3,716 | 3.39% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $4,595 | 4.10% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $2,852 | 2.97% |
| Crawfordsville, IN (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $4,124 | 2.95% |
| Warsaw, IN (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $1,941 | 2.96% |
| Albemarle, NC (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $3,372 | 3.45% |
| Lake City, FL (FHA|USDA|VA) | 7 | $795,000 | $113,571 | $6,674 | 4.02% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $0 | 2.83% |
| Forest City, NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,889 | 2.63% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,297 | 2.78% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,928 | 2.88% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $4,756 | 2.91% |
| Boone, NC (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,600 | 2.69% |
| Celina, OH (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $7,120 | 3.03% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,386 | 2.58% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,364 | 3.21% |
| Defiance, OH (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $5,275 | 3.05% |
| London, KY (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $6,041 | 3.53% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,193 | 3.44% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $8,996 | 3.56% |
| Peru, IN (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,555 | 3.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,515 | 2.63% |
| Madison, IN (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,784 | 3.66% |
| Shelbyville, TN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,784 | 3.75% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $2,404 | 3.48% |
| Mount Airy, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $8,346 | 3.21% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $3,147 | 3.78% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $4,976 | 3.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,812 | 3.41% |
| Bellefontaine, OH (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,120 | 3.03% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,973 | 3.44% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $9,889 | 3.79% |
| MERCED, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,621 | 3.38% |
| North Vernon, IN (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $5,360 | 2.79% |
| Key West, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,669 | 3.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,852 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,848 | 4.25% |
| Escanaba, MI (FHA|USDA|VA) | 6 | $490,000 | $81,667 | $4,139 | 3.71% |
| Georgetown, SC (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,567 | 3.25% |
| Norwalk, OH (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $5,421 | 2.97% |
| Logansport, IN (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $4,527 | 3.22% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,107 | 4.19% |
| Wilmington, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,103 | 3.42% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,252 | 3.38% |
| Angola, IN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,335 | 2.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,568 | 3.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 2.88% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,411 | 3.81% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,631 | 2.75% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,549 | 4.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,389 | 2.75% |
| Lawrenceburg, TN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,964 | 3.50% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,299 | 3.00% |
| Washington, IN (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $4,333 | 3.21% |
| Wauchula, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,712 | 2.69% |
| Findlay, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,458 | 3.33% |
| Van Wert, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,773 | 3.17% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,391 | 3.00% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,539 | 2.44% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,472 | 2.69% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,658 | 3.13% |
| McMinnville, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,844 | 3.13% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,280 | 2.81% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $6,583 | 3.63% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,396 | 2.88% |
| Tiffin, OH (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $5,149 | 3.17% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,720 | 3.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,093 | 3.00% |
| Washington, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,598 | 2.75% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,957 | 2.94% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,251 | 2.75% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,141 | 2.81% |
| Danville, KY (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,257 | 2.81% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,634 | 3.50% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $4,365 | 3.50% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,192 | 2.88% |
| Greenville, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $5,088 | 3.13% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,791 | 3.75% |
| Marion, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,468 | 2.75% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,286 | 3.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,664 | 3.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,379 | 2.75% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,021 | 3.50% |
| Wabash, IN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,094 | 2.81% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,958 | 3.13% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,751 | 3.63% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,696 | 3.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,789 | 2.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,096 | 2.88% |
| Rockingham, NC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,714 | 4.06% |
| Bedford, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,571 | 2.50% |
| Vincennes, IN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $5,318 | 5.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $4,578 | 4.38% |
| Seymour, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,237 | 2.88% |
| Newport, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,330 | 3.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,403 | 3.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,088 | 3.25% |
| Huntington, IN (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,811 | 3.38% |
| Marquette, MI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $4,335 | 4.44% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,126 | 3.25% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,888 | 3.50% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $6,255 | 4.50% |
| Marion, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,593 | 3.25% |
| Athens, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,848 | 3.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,904 | 2.88% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,575 | 4.50% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,341 | 2.88% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,910 | 4.63% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,334 | 2.88% |
| Dayton, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,546 | 3.88% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,551 | 5.50% |
| New Castle, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,038 | 2.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,501 | 3.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,382 | 3.63% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,502 | 3.13% |
| Decatur, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,845 | 3.13% |
| Selma, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,266 | 5.88% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $7,426 | 2.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,991 | 3.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,529 | 3.25% |
| Sanford, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,541 | 3.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,584 | 3.38% |
| Jackson, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,651 | 3.50% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $6,405 | 5.38% |
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Product Mix
For 2020, Amerifirst Financial Corporation's most frequently originated type of loan was Conventional, with 10,535 originations. Their 2nd most popular type was FHA, with 3,589 originations.
Loan Reason
For 2020, Amerifirst Financial Corporation's most frequently cited loan purpose was Home Purchase, with 9,629 originations. The 2nd most popular reason was Refi, with 5,774 originations.
Loan Duration/Length
For 2020, Amerifirst Financial Corporation's most frequently cited loan duration was 30 Year, with 14,729 originations. The 2nd most popular length was 15 Year, with 1,559 originations.
Origination Fees/Closing Costs
Amerifirst Financial Corporation's average total fees were $5,150, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 10,474 originations.
Interest Rates
During 2020, Amerifirst Financial Corporation's average interest rate for loans was 3.32%, while their most frequently originated rate bucket for loans was 3-4%, with 7,287 originations.
Loan Sizing
2020 saw Amerifirst Financial Corporation place emphasis on $100k-200k loans with 8,256 originations, totaling $1,228,200,000 in origination value.
Applicant Income
Amerifirst Financial Corporation lent most frequently to those with incomes in the $50k-75k range, with 4,592 originations. The second most popular income band? $50k or less, with 4,127 originations.
Applicant Debt to Income Ratio
Amerifirst Financial Corporation lent most frequently to those with DTI ratios of 20-30%, with 3,553 originations. The next most common DTI ratio? 30-36%, with 3,104 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.77%
Amerifirst Financial Corporation has an average approval rate.
Pick Rate
Approvals leading to origination70.18%
Amerifirst Financial Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 17,085 | $3,303,485,000 | $193,356 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 787 | $93,615,000 | $118,952 |
| Single Family (1-4 Units):Site-Built | 16,298 | $3,209,870,000 | $196,949 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AmeriFirst Financial Corporation | Conventional home mortgage | Struggling to pay mortgage | 1 | 25.0% |
| AmeriFirst Financial Corporation | Conventional home mortgage | Trouble during payment process | 1 | 25.0% |
| AmeriFirst Financial Corporation | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 25.0% |
| AmeriFirst Financial Corporation | FHA mortgage | Struggling to pay mortgage | 1 | 25.0% |