Amerifirst Financial Corporation Mortgage Rates, Fees & Info
KALAMAZOO, MILEI: 54930080OKRZ7NNZIO71
Tax ID: 38-2699549
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Amerifirst Financial Corporation is a small 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, Lakeland, and Cincinnati among others. We have data for 247 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.
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 |
|---|---|---|
| 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
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
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
12,341Origination Dollar Volume (All Markets)
$2,471,565,000Awards
×
![]()
AMERIFIRST FINANCIAL CORPORATION - 2021
AMERIFIRST FINANCIAL CORPORATION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for AMERIFIRST FINANCIAL CORPORATION?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 1,469 | $331,175,000 | $225,442 | $5,674 | 3.33% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1,071 | $311,235,000 | $290,602 | $6,284 | 3.28% |
| Outside of Metro Areas | 981 | $150,155,000 | $153,063 | $4,475 | 3.34% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 805 | $143,455,000 | $178,205 | $3,909 | 3.24% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 474 | $108,050,000 | $227,954 | $6,253 | 3.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 490 | $89,630,000 | $182,918 | $4,526 | 3.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 470 | $86,080,000 | $183,149 | $4,451 | 3.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 394 | $70,270,000 | $178,350 | $4,332 | 3.18% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 255 | $67,795,000 | $265,863 | $4,548 | 3.24% |
| TOLEDO, OH (FHA|USDA|VA) | 410 | $63,220,000 | $154,195 | $5,179 | 3.39% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 266 | $54,690,000 | $205,602 | $5,533 | 3.15% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 116 | $50,470,000 | $435,086 | $8,639 | 3.10% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 122 | $44,820,000 | $367,377 | $8,299 | 3.29% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 228 | $42,870,000 | $188,026 | $5,324 | 3.46% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 279 | $39,005,000 | $139,803 | $4,153 | 3.42% |
| NILES, MI (FHA|USDA|VA) | 219 | $38,645,000 | $176,461 | $5,372 | 3.55% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 187 | $35,345,000 | $189,011 | $3,799 | 3.23% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 105 | $30,115,000 | $286,810 | $4,415 | 3.08% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 172 | $28,420,000 | $165,233 | $5,052 | 3.40% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 142 | $28,260,000 | $199,014 | $5,210 | 3.07% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 155 | $28,095,000 | $181,258 | $5,928 | 3.22% |
| New Castle, IN (FHA|USDA|VA) | 197 | $24,955,000 | $126,675 | $3,764 | 3.34% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 99 | $24,015,000 | $242,576 | $6,135 | 3.40% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 176 | $24,010,000 | $136,420 | $5,643 | 3.42% |
| Holland, MI (FHA|USDA|VA) | 110 | $20,620,000 | $187,455 | $4,427 | 3.18% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 70 | $19,250,000 | $275,000 | $6,407 | 3.17% |
| ASHEVILLE, NC (FHA|USDA|VA) | 64 | $17,270,000 | $269,844 | $5,039 | 3.32% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 40 | $17,000,000 | $425,000 | $6,402 | 3.14% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 117 | $16,835,000 | $143,889 | $3,873 | 3.24% |
| Cadillac, MI (FHA|USDA|VA) | 115 | $16,125,000 | $140,217 | $4,242 | 3.17% |
| Coldwater, MI (FHA|USDA|VA) | 114 | $15,530,000 | $136,228 | $4,329 | 3.32% |
| Sturgis, MI (FHA|USDA|VA) | 98 | $15,110,000 | $154,184 | $4,641 | 3.32% |
| Traverse City, MI (FHA|USDA|VA) | 66 | $15,050,000 | $228,030 | $4,226 | 3.18% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 88 | $15,000,000 | $170,455 | $4,569 | 3.31% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 49 | $14,065,000 | $287,041 | $6,559 | 3.32% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 86 | $13,300,000 | $154,651 | $4,836 | 3.59% |
| GAINESVILLE, FL (FHA|USDA|VA) | 72 | $13,130,000 | $182,361 | $5,759 | 3.37% |
| OCALA, FL (FHA|USDA|VA) | 73 | $12,905,000 | $176,781 | $6,366 | 3.34% |
| AKRON, OH (FHA|USDA|VA) | 70 | $12,620,000 | $180,286 | $6,078 | 3.24% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 74 | $11,830,000 | $159,865 | $6,002 | 3.93% |
| LOUISVILLE, KY (FHA|USDA|VA) | 56 | $11,760,000 | $210,000 | $4,690 | 3.06% |
| LIMA, OH (FHA|USDA|VA) | 76 | $10,570,000 | $139,079 | $5,034 | 3.23% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 58 | $9,740,000 | $167,931 | $4,501 | 3.34% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 36 | $9,450,000 | $262,500 | $4,805 | 3.04% |
| Salem, OH (FHA|USDA|VA) | 64 | $8,780,000 | $137,188 | $5,494 | 3.40% |
| Big Rapids, MI (FHA|USDA|VA) | 54 | $8,360,000 | $154,815 | $4,752 | 3.29% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 29 | $7,605,000 | $262,241 | $6,579 | 3.31% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 35 | $7,475,000 | $213,571 | $5,238 | 3.21% |
| SAGINAW, MI (FHA|USDA|VA) | 46 | $6,300,000 | $136,957 | $3,731 | 3.52% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 44 | $6,300,000 | $143,182 | $5,374 | 3.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 23 | $6,225,000 | $270,652 | $6,816 | 3.20% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 28 | $6,170,000 | $220,357 | $4,892 | 2.82% |
| Hillsdale, MI (FHA|USDA|VA) | 43 | $5,645,000 | $131,279 | $4,323 | 3.44% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 23 | $5,575,000 | $242,391 | $6,866 | 3.49% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 22 | $5,550,000 | $252,273 | $5,719 | 3.11% |
| MUNCIE, IN (FHA|USDA|VA) | 48 | $5,250,000 | $109,375 | $3,961 | 3.35% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 28 | $5,180,000 | $185,000 | $5,434 | 3.08% |
| Somerset, KY (FHA|USDA|VA) | 29 | $4,975,000 | $171,552 | $3,893 | 3.21% |
| FLINT, MI (FHA|USDA|VA) | 27 | $4,965,000 | $183,889 | $3,340 | 3.27% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 19 | $4,945,000 | $260,263 | $6,479 | 3.30% |
| MONROE, MI (FHA|USDA|VA) | 24 | $4,800,000 | $200,000 | $4,208 | 3.16% |
| ANN ARBOR, MI (FHA|USDA|VA) | 19 | $4,575,000 | $240,789 | $3,326 | 2.92% |
| COLUMBUS, OH (FHA|USDA|VA) | 20 | $4,550,000 | $227,500 | $5,390 | 3.20% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 18 | $4,200,000 | $233,333 | $3,780 | 3.20% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 20 | $4,130,000 | $206,500 | $5,167 | 3.28% |
| Alpena, MI (FHA|USDA|VA) | 33 | $3,575,000 | $108,333 | $4,019 | 3.42% |
| JACKSON, MI (FHA|USDA|VA) | 23 | $3,315,000 | $144,130 | $4,010 | 3.32% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 23 | $3,315,000 | $144,130 | $3,584 | 3.34% |
| MADISON, WI (FHA|USDA|VA) | 11 | $3,035,000 | $275,909 | $5,866 | 3.24% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 10 | $2,940,000 | $294,000 | $8,751 | 3.60% |
| Adrian, MI (FHA|USDA|VA) | 16 | $2,830,000 | $176,875 | $4,410 | 3.33% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 15 | $2,655,000 | $177,000 | $5,504 | 3.57% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $2,620,000 | $327,500 | $6,521 | 3.25% |
| KOKOMO, IN (FHA|USDA|VA) | 21 | $2,595,000 | $123,571 | $3,688 | 3.16% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $6,736 | 3.07% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 16 | $2,360,000 | $147,500 | $4,847 | 3.73% |
| MUSKEGON, MI (FHA|USDA|VA) | 17 | $2,315,000 | $136,176 | $3,502 | 3.29% |
| Jasper, IN (FHA|USDA|VA) | 15 | $2,305,000 | $153,667 | $4,671 | 3.08% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 15 | $2,205,000 | $147,000 | $5,448 | 3.43% |
| MIDLAND, MI (FHA|USDA|VA) | 13 | $2,165,000 | $166,538 | $4,762 | 3.43% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $5,476 | 3.70% |
| KNOXVILLE, TN (FHA|USDA|VA) | 10 | $2,150,000 | $215,000 | $3,581 | 2.80% |
| Connersville, IN (FHA|USDA|VA) | 17 | $2,105,000 | $123,824 | $4,103 | 2.97% |
| Greensburg, IN (FHA|USDA|VA) | 16 | $2,050,000 | $128,125 | $3,839 | 3.01% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $5,094 | 2.84% |
| WILMINGTON, NC (FHA|USDA|VA) | 6 | $2,050,000 | $341,667 | $8,707 | 3.33% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $4,179 | 3.03% |
| Mount Pleasant, MI (FHA|USDA|VA) | 16 | $2,020,000 | $126,250 | $3,739 | 3.56% |
| THE VILLAGES, FL (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $5,595 | 3.36% |
| Chillicothe, OH (FHA|USDA|VA) | 14 | $1,830,000 | $130,714 | $4,702 | 2.92% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $4,888 | 3.44% |
| Bardstown, KY (FHA|USDA|VA) | 9 | $1,735,000 | $192,778 | $5,249 | 2.86% |
| Wapakoneta, OH (FHA|USDA|VA) | 12 | $1,720,000 | $143,333 | $6,170 | 3.53% |
| Fremont, OH (FHA|USDA|VA) | 9 | $1,695,000 | $188,333 | $4,624 | 3.43% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $1,685,000 | $187,222 | $5,635 | 3.36% |
| Richmond, IN (FHA|USDA|VA) | 15 | $1,685,000 | $112,333 | $4,240 | 3.49% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $6,546 | 3.16% |
| DANVILLE, IL (FHA|USDA|VA) | 17 | $1,565,000 | $92,059 | $4,159 | 3.30% |
| Ludington, MI (FHA|USDA|VA) | 9 | $1,555,000 | $172,778 | $3,580 | 3.22% |
| GOLDSBORO, NC (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $3,591 | 2.46% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 10 | $1,520,000 | $152,000 | $4,427 | 3.24% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $5,520 | 3.46% |
| Campbellsville, KY (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $9,078 | 3.00% |
| Lewisburg, TN (FHA|USDA|VA) | 10 | $1,490,000 | $149,000 | $5,608 | 3.14% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $7,077 | 3.67% |
| Frankfort, KY (FHA|USDA|VA) | 10 | $1,470,000 | $147,000 | $5,685 | 3.04% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $5,473 | 3.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $8,709 | 3.70% |
| BURLINGTON, NC (FHA|USDA|VA) | 8 | $1,260,000 | $157,500 | $4,290 | 3.64% |
| Lawrenceburg, TN (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $7,141 | 3.33% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $5,489 | 2.48% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $6,088 | 3.44% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $7,069 | 3.45% |
| Wooster, OH (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $4,534 | 2.89% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $4,130 | 3.19% |
| OWENSBORO, KY (FHA|USDA|VA) | 9 | $1,065,000 | $118,333 | $4,123 | 2.67% |
| Lake City, FL (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $8,022 | 3.52% |
| Marion, IN (FHA|USDA|VA) | 8 | $980,000 | $122,500 | $3,940 | 3.25% |
| DECATUR, AL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $11,998 | 3.17% |
| Shelby, NC (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $3,134 | 3.78% |
| Madison, IN (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $4,757 | 3.44% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,590 | 3.47% |
| Forest City, NC (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $6,560 | 3.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,076 | 3.35% |
| Glasgow, KY (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $5,031 | 2.90% |
| FORT WAYNE, IN (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $3,712 | 3.10% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $7,946 | 3.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $6,707 | 3.38% |
| Albemarle, NC (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $3,517 | 3.63% |
| Richmond-Berea, KY (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $6,534 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,007 | 3.19% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,321 | 2.44% |
| Logansport, IN (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $3,977 | 3.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $7,132 | 3.56% |
| Cullman, AL (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $6,877 | 3.78% |
| Jasper, AL (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $5,008 | 3.98% |
| Boone, NC (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,529 | 3.67% |
| Albertville, AL (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $5,519 | 3.53% |
| Alma, MI (FHA|USDA|VA) | 8 | $660,000 | $82,500 | $4,218 | 3.67% |
| COLUMBUS, IN (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,441 | 2.94% |
| Brevard, NC (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,807 | 3.04% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,108 | 3.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,073 | 3.67% |
| North Wilkesboro, NC (FHA|USDA|VA) | 6 | $630,000 | $105,000 | $5,506 | 4.21% |
| Peru, IN (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $3,234 | 3.21% |
| Bellefontaine, OH (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $5,039 | 3.23% |
| Angola, IN (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $4,480 | 3.34% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,788 | 3.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,470 | 4.13% |
| Warsaw, IN (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,445 | 3.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,553 | 3.56% |
| Marinette, WI-MI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,827 | 3.00% |
| Wauchula, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $5,020 | 4.63% |
| Defiance, OH (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $6,197 | 3.79% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,771 | 2.88% |
| Key West, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,218 | 2.88% |
| London, KY (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,279 | 3.21% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $5,111 | 4.40% |
| BAY CITY, MI (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $3,965 | 3.18% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,689 | 3.00% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,425 | 2.94% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,525 | 3.19% |
| Wilmington, OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,044 | 3.21% |
| Maysville, KY (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $4,256 | 3.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,590 | 3.63% |
| Marion, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,673 | 3.50% |
| Van Wert, OH (FHA|USDA|VA) | 4 | $420,000 | $105,000 | $4,869 | 3.31% |
| Palatka, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $10,032 | 4.00% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,716 | 3.06% |
| Sandusky, OH (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,654 | 3.75% |
| Tiffin, OH (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $5,536 | 3.33% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,250 | 3.38% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,205 | 3.81% |
| Bedford, IN (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $5,957 | 4.71% |
| Seymour, IN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,571 | 3.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,043 | 3.75% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $19,176 | 4.00% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.38% |
| Bluffton, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,625 | 3.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,807 | 4.31% |
| North Vernon, IN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,277 | 2.94% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,702 | 3.75% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,065 | 3.38% |
| Washington, IN (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $4,536 | 3.33% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,083 | 2.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,222 | 3.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,657 | 3.06% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,077 | 4.13% |
| Crawfordsville, IN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,778 | 2.94% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,492 | 4.06% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,118 | 3.38% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,177 | 3.88% |
| Sidney, OH (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,295 | 3.06% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,021 | 3.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,966 | 2.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,753 | 3.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,957 | 4.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,350 | 4.13% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,167 | 3.56% |
| Danville, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,067 | 3.25% |
| Decatur, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,126 | 3.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.75% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,045 | 5.25% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,785 | 4.88% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,644 | 2.50% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,384 | 3.38% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,601 | 3.50% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,889 | 3.50% |
| Henderson, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,080 | 3.75% |
| Huntington, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,041 | 3.50% |
| Houghton, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,530 | 2.75% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,106 | 3.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.25% |
| Wilson, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,669 | 2.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,641 | 3.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,095 | 3.06% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,854 | 3.50% |
| READING, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,061 | 3.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,785 | 2.25% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,012 | 3.25% |
| Marquette, MI (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $4,470 | 4.13% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,936 | 3.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,954 | 3.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,677 | 2.75% |
| Findlay, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,084 | 3.25% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,305 | 2.25% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,559 | 3.50% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,041 | 4.25% |
| Greenville, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,371 | 2.63% |
| Athens, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,310 | 2.88% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,216 | 4.75% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,903 | 4.75% |
| Platteville, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,385 | 3.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,881 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,426 | 4.63% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,719 | 3.63% |
| Celina, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,070 | 2.38% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,116 | 2.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,252 | 3.25% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.25% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,945 | 4.63% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,502 | 2.88% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,085 | 3.13% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,604 | 2.75% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,209 | 3.50% |
| Jackson, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,652 | 2.25% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,349 | 3.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against AMERIFIRST FINANCIAL CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Bay Area Credit Union, Inc.
Similarity Rank: 12
Similarity Rank: 12
First Federal Savings and Loan Association of Delta
Similarity Rank: 150
Similarity Rank: 150
The Citizens National Bank of Bluffton
Similarity Rank: 235
Similarity Rank: 235
Gulf Winds Credit Union
Similarity Rank: 240
Similarity Rank: 240
Farmers State Bank
Similarity Rank: 240
Similarity Rank: 240
Kellogg Community Credit Union
Similarity Rank: 323
Similarity Rank: 323
The Henry County Bank
Similarity Rank: 333
Similarity Rank: 333
Circle Federal Credit Union
Similarity Rank: 364
Similarity Rank: 364
OMNI Community Credit Union
Similarity Rank: 368
Similarity Rank: 368
ARBOR FINANCIAL CREDIT UNION
Similarity Rank: 416
Similarity Rank: 416
Product Mix
For 2021, Amerifirst Financial Corporation's most frequently originated type of loan was Conventional, with 8,445 originations. Their 2nd most popular type was FHA, with 2,198 originations.
Loan Reason
For 2021, Amerifirst Financial Corporation's most frequently cited loan purpose was Home Purchase, with 7,791 originations. The 2nd most popular reason was Refi, with 2,835 originations.
Loan Duration/Length
For 2021, Amerifirst Financial Corporation's most frequently cited loan duration was 30 Year, with 10,746 originations. The 2nd most popular length was 15 Year, with 1,083 originations.
Origination Fees/Closing Costs
Amerifirst Financial Corporation's average total fees were $5,356, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,503 originations.
Interest Rates
During 2021, Amerifirst Financial Corporation's average interest rate for loans was 3.38%, while their most frequently originated rate bucket for loans was 3-4%, with 6,634 originations.
Loan Sizing
2021 saw Amerifirst Financial Corporation place emphasis on $100k-200k loans with 5,748 originations, totaling $848,560,000 in origination value.
Applicant Income
Amerifirst Financial Corporation lent most frequently to those with incomes in the $50k-75k range, with 3,468 originations. The second most popular income band? $50k or less, with 3,367 originations.
Applicant Debt to Income Ratio
Amerifirst Financial Corporation lent most frequently to those with DTI ratios of 20-30%, with 2,330 originations. The next most common DTI ratio? 30-36%, with 2,242 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.66%
Amerifirst Financial Corporation has an average approval rate.
Pick Rate
Approvals leading to origination62.05%
Amerifirst Financial Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,341 | $2,471,565,000 | $200,273 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 12,341 | $2,471,565,000 | $200,273 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AmeriFirst Financial Corporation | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 27.3% |
| AmeriFirst Financial Corporation | Conventional home mortgage | Closing on a 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 | Closing on a mortgage | 1 | 9.1% |
| AmeriFirst Financial Corporation | FHA mortgage | Trouble during payment process | 1 | 9.1% |
| AmeriFirst Financial Corporation | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 18.2% |
| AmeriFirst Financial Corporation | Other type of mortgage | Closing on a mortgage | 1 | 9.1% |