Amerifirst Financial Mortgage Rates, Fees & Info

Phoenix, AZ

LEI: 549300SVLCM6NZQ53P14

Tax ID: 86-0634557

4.2 stars - out of 5 stars, based on 108 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Amerifirst Financial is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Amerifirst Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Phoenix, Denver, San Antonio, Las Vegas, and Austin among others. Amerifirst Financial has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Amerifirst Financial is typically an average fee lendor.


Originations

11,623

Origination Dollar Volume (All Markets)

$3,862,305,000
Show all (7) awards

Relative Rate

Amerifirst Financial 's average 30 year fixed rate mortgage of loans were 3.14%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.01%.

Relative Fees

Amerifirst Financial 's average total fees for a 30 year fixed rate mortgage are $5,626.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4,965 $1,541,785,000 $310,531 $5,032 3.17%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2,052 $873,470,000 $425,668 $6,021 3.03%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 378 $99,210,000 $262,460 $5,681 3.14%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 317 $91,445,000 $288,470 $6,444 3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 228 $81,960,000 $359,474 $6,328 3.08%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 242 $74,230,000 $306,736 $5,990 3.12%
FRESNO, CA (FHA|USDA|VA) 256 $66,460,000 $259,609 $5,113 2.89%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 170 $62,890,000 $369,941 $6,284 3.11%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 116 $61,700,000 $531,897 $5,283 3.01%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 99 $59,695,000 $602,980 $6,719 2.97%
GREELEY, CO (FHA|USDA|VA) 159 $57,495,000 $361,604 $6,295 2.90%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 144 $47,340,000 $328,750 $6,789 2.94%
Outside of Metro Areas 172 $46,030,000 $267,616 $5,441 3.03%
Show Low, AZ (FHA|USDA|VA) 150 $34,560,000 $230,400 $4,719 3.31%
MODESTO, CA (FHA|USDA|VA) 115 $34,005,000 $295,696 $5,780 3.08%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 97 $30,685,000 $316,340 $5,080 3.14%
STOCKTON, CA (FHA|USDA|VA) 67 $30,345,000 $452,910 $6,152 3.02%
BOULDER, CO (FHA|USDA|VA) 56 $26,370,000 $470,893 $6,047 2.95%
ALBUQUERQUE, NM (FHA|USDA|VA) 100 $22,830,000 $228,300 $4,810 3.14%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 52 $22,250,000 $427,885 $6,135 3.27%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 79 $21,675,000 $274,367 $4,723 3.14%
FORT COLLINS, CO (FHA|USDA|VA) 56 $21,450,000 $383,036 $7,131 2.98%
REDDING, CA (FHA|USDA|VA) 77 $19,925,000 $258,766 $4,563 2.83%
Payson, AZ (FHA|USDA|VA) 69 $19,555,000 $283,406 $5,049 3.24%
COLORADO SPRINGS, CO (FHA|USDA|VA) 51 $19,155,000 $375,588 $6,252 2.83%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 71 $19,055,000 $268,380 $5,908 3.18%
TUCSON, AZ (FHA|USDA|VA) 70 $16,190,000 $231,286 $4,956 3.18%
WACO, TX (FHA|USDA|VA) 54 $12,190,000 $225,741 $4,942 3.40%
MERCED, CA (FHA|USDA|VA) 44 $12,100,000 $275,000 $6,493 2.99%
FLAGSTAFF, AZ (FHA|USDA|VA) 35 $12,095,000 $345,571 $5,298 3.18%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 39 $11,855,000 $303,974 $6,977 3.16%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 20 $11,350,000 $567,500 $7,575 2.94%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 35 $9,155,000 $261,571 $6,752 3.37%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 42 $9,030,000 $215,000 $6,217 3.19%
MADERA, CA (FHA|USDA|VA) 23 $7,155,000 $311,087 $7,169 3.09%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 20 $6,850,000 $342,500 $7,583 3.13%
PROVO-OREM, UT (FHA|USDA|VA) 20 $6,820,000 $341,000 $3,676 3.09%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 15 $6,765,000 $451,000 $4,924 3.15%
SALT LAKE CITY, UT (FHA|USDA|VA) 14 $6,320,000 $451,429 $4,666 3.12%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 38 $6,170,000 $162,368 $4,537 3.13%
ASHEVILLE, NC (FHA|USDA|VA) 18 $6,110,000 $339,444 $3,420 3.17%
VALLEJO, CA (FHA|USDA|VA) 13 $6,105,000 $469,615 $5,245 3.13%
Breckenridge, CO (FHA|USDA|VA) 10 $6,030,000 $603,000 $7,870 3.17%
VISALIA, CA (FHA|USDA|VA) 23 $5,925,000 $257,609 $6,585 3.13%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 14 $5,580,000 $398,571 $5,936 3.32%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 23 $5,365,000 $233,261 $3,761 3.23%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 17 $5,305,000 $312,059 $5,661 2.74%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 19 $5,225,000 $275,000 $5,114 2.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 16 $5,030,000 $314,375 $5,883 3.11%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 13 $4,885,000 $375,769 $6,289 3.04%
YUBA CITY, CA (FHA|USDA|VA) 16 $4,410,000 $275,625 $5,977 2.83%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 9 $4,095,000 $455,000 $7,782 3.13%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $4,085,000 $453,889 $7,664 2.88%
SALINAS, CA (FHA|USDA|VA) 13 $4,045,000 $311,154 $6,459 2.41%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $4,015,000 $365,000 $7,156 3.09%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $3,990,000 $332,500 $6,451 2.89%
RENO, NV (FHA|USDA|VA) 7 $3,935,000 $562,143 $6,595 3.07%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $3,885,000 $353,182 $4,899 3.10%
YUMA, AZ (FHA|USDA|VA) 18 $3,770,000 $209,444 $4,876 3.02%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $3,165,000 $243,462 $3,890 3.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $3,085,000 $617,000 $10,798 2.90%
Kalispell, MT (FHA|USDA|VA) 3 $3,035,000 $1,011,667 $2,790 2.83%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 13 $3,025,000 $232,692 $3,955 3.41%
Edwards, CO (FHA|USDA|VA) 4 $2,900,000 $725,000 $4,545 2.67%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 7 $2,805,000 $400,714 $6,909 3.00%
Steamboat Springs, CO (FHA|USDA|VA) 3 $2,555,000 $851,667 $8,144 2.96%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $2,515,000 $503,000 $10,134 3.23%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $2,410,000 $401,667 $3,637 2.92%
Shelton, WA (FHA|USDA|VA) 5 $2,405,000 $481,000 $7,886 3.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 10 $2,370,000 $237,000 $3,582 3.26%
BOISE CITY, ID (FHA|USDA|VA) 5 $2,295,000 $459,000 $5,800 3.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $2,280,000 $380,000 $5,590 3.13%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 11 $1,995,000 $181,364 $3,941 2.90%
PUEBLO, CO (FHA|USDA|VA) 9 $1,975,000 $219,444 $5,553 2.70%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 8 $1,950,000 $243,750 $4,800 3.14%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 10 $1,910,000 $191,000 $5,217 3.43%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 9 $1,875,000 $208,333 $4,132 3.01%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,825,000 $365,000 $6,208 3.05%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 7 $1,765,000 $252,143 $6,345 3.54%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,725,000 $345,000 $3,338 2.80%
MIDLAND, TX (FHA|USDA|VA) 7 $1,695,000 $242,143 $8,390 3.05%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $1,690,000 $422,500 $7,060 2.78%
GAINESVILLE, GA (FHA|USDA|VA) 9 $1,675,000 $186,111 $5,153 3.24%
Sterling, CO (FHA|USDA|VA) 9 $1,645,000 $182,778 $4,894 3.02%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $1,615,000 $230,714 $5,668 2.98%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $1,565,000 $521,667 $14,672 2.92%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,505,000 $301,000 $6,283 3.20%
LAS CRUCES, NM (FHA|USDA|VA) 4 $1,490,000 $372,500 $4,111 3.19%
Key West, FL (FHA|USDA|VA) 2 $1,450,000 $725,000 $10,241 2.94%
Safford, AZ (FHA|USDA|VA) 6 $1,440,000 $240,000 $5,295 3.29%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,039 2.88%
SALEM, OR (FHA|USDA|VA) 4 $1,360,000 $340,000 $3,120 3.31%
Red Bluff, CA (FHA|USDA|VA) 6 $1,340,000 $223,333 $3,768 3.10%
SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,335,000 $267,000 $4,129 2.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,315,000 $263,000 $4,837 3.18%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 7 $1,295,000 $185,000 $5,223 3.29%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $1,275,000 $425,000 $5,331 3.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $1,245,000 $415,000 $3,968 2.79%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $1,200,000 $200,000 $5,010 3.00%
Glenwood Springs, CO (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,620 2.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,140,000 $285,000 $4,042 3.19%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,115,000 $223,000 $6,091 3.33%
Ellensburg, WA (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,808 3.08%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,100,000 $275,000 $3,014 3.09%
TULSA, OK (FHA|USDA|VA) 3 $1,075,000 $358,333 $10,159 3.33%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,147 3.00%
ODESSA, TX (FHA|USDA|VA) 5 $1,015,000 $203,000 $5,391 3.28%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $995,000 $331,667 $5,664 2.42%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $975,000 $325,000 $3,361 2.79%
BEND, OR (FHA|USDA|VA) 2 $970,000 $485,000 $3,803 3.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $960,000 $240,000 $5,871 2.96%
ST. GEORGE, UT (FHA|USDA|VA) 3 $955,000 $318,333 $6,098 2.96%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $950,000 $237,500 $3,307 2.97%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $900,000 $450,000 $4,311 3.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $895,000 $298,333 $3,360 3.54%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $880,000 $220,000 $4,253 3.50%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $880,000 $440,000 $7,452 3.00%
Bozeman, MT (FHA|USDA|VA) 2 $870,000 $435,000 $6,337 3.19%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 5 $855,000 $171,000 $3,234 2.65%
AKRON, OH (FHA|USDA|VA) 2 $850,000 $425,000 $4,444 3.44%
EL CENTRO, CA (FHA|USDA|VA) 3 $835,000 $278,333 $3,520 2.96%
Heber, UT (FHA|USDA|VA) 1 $815,000 $815,000 $4,623 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $775,000 $258,333 $4,144 3.21%
MEDFORD, OR (FHA|USDA|VA) 2 $760,000 $380,000 $6,844 3.63%
CASPER, WY (FHA|USDA|VA) 2 $750,000 $375,000 $436 3.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $750,000 $375,000 $4,118 3.31%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 5 $745,000 $149,000 $2,958 3.30%
COLUMBIA, SC (FHA|USDA|VA) 3 $735,000 $245,000 $4,584 3.08%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $730,000 $365,000 $3,308 2.88%
Roswell, NM (FHA|USDA|VA) 2 $720,000 $360,000 $2,422 3.31%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $720,000 $360,000 $3,180 3.25%
EL PASO, TX (FHA|USDA|VA) 4 $710,000 $177,500 $4,402 2.94%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $695,000 $231,667 $3,368 3.21%
MADISON, WI (FHA|USDA|VA) 2 $690,000 $345,000 $2,480 3.06%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $670,000 $335,000 $5,650 3.13%
CaƱon City, CO (FHA|USDA|VA) 3 $655,000 $218,333 $7,430 2.08%
Granbury, TX (FHA|USDA|VA) 2 $650,000 $325,000 $11,757 2.81%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $590,000 $295,000 $2,914 3.25%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $560,000 $280,000 $6,582 3.38%
SAVANNAH, GA (FHA|USDA|VA) 2 $550,000 $275,000 $3,626 3.13%
Levelland, TX (FHA|USDA|VA) 2 $550,000 $275,000 $6,406 3.50%
ANN ARBOR, MI (FHA|USDA|VA) 1 $545,000 $545,000 $0 2.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $545,000 $181,667 $1,715 2.96%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $545,000 $545,000 $17,326 3.25%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $545,000 $545,000 $3,730 3.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $540,000 $270,000 $3,541 3.50%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $540,000 $270,000 $5,054 3.13%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $530,000 $265,000 $5,439 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $530,000 $265,000 $4,123 3.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $520,000 $260,000 $7,151 3.50%
TYLER, TX (FHA|USDA|VA) 2 $520,000 $260,000 $4,889 3.13%
Brenham, TX (FHA|USDA|VA) 1 $515,000 $515,000 $7,304 2.88%
Fort Morgan, CO (FHA|USDA|VA) 4 $500,000 $125,000 $2,572 2.21%
CHEYENNE, WY (FHA|USDA|VA) 1 $495,000 $495,000 $13,004 2.75%
CHICO, CA (FHA|USDA|VA) 3 $495,000 $165,000 $2,718 2.54%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,486 3.06%
KNOXVILLE, TN (FHA|USDA|VA) 2 $490,000 $245,000 $8,041 3.75%
NAPA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $4,679 2.88%
SANTA FE, NM (FHA|USDA|VA) 2 $480,000 $240,000 $4,783 2.63%
Paris, TX (FHA|USDA|VA) 1 $475,000 $475,000 $6,139 2.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $465,000 $465,000 $6,383 3.25%
Pahrump, NV (FHA|USDA|VA) 2 $460,000 $230,000 $5,810 3.56%
Elko, NV (FHA|USDA|VA) 1 $455,000 $455,000 $4,460 2.88%
SPARTANBURG, SC (FHA|USDA|VA) 2 $450,000 $225,000 $6,014 3.25%
Outside of Metro Areas 2 $440,000 $220,000 $4,968 3.06%
HATTIESBURG, MS (FHA|USDA|VA) 2 $430,000 $215,000 $5,228 3.31%
LYNCHBURG, VA (FHA|USDA|VA) 2 $420,000 $210,000 $1,883 2.94%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $410,000 $205,000 $2,223 3.44%
COLUMBUS, OH (FHA|USDA|VA) 1 $405,000 $405,000 $3,250 3.75%
Athens, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,583 3.63%
OCALA, FL (FHA|USDA|VA) 2 $400,000 $200,000 $6,164 3.06%
Kerrville, TX (FHA|USDA|VA) 2 $400,000 $200,000 $5,702 2.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $395,000 $131,667 $6,407 2.13%
Port Angeles, WA (FHA|USDA|VA) 1 $395,000 $395,000 $3,623 3.13%
Jefferson, GA (FHA|USDA|VA) 2 $390,000 $195,000 $8,594 3.19%
Roseburg, OR (FHA|USDA|VA) 1 $385,000 $385,000 $4,436 2.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $380,000 $190,000 $3,857 3.38%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $375,000 $375,000 $6,840 2.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $370,000 $185,000 $3,948 3.25%
Ukiah, CA (FHA|USDA|VA) 1 $365,000 $365,000 $5,050 2.88%
Brainerd, MN (FHA|USDA|VA) 1 $365,000 $365,000 $5,289 3.38%
LONGVIEW, WA (FHA|USDA|VA) 1 $355,000 $355,000 $4,339 2.88%
RAPID CITY, SD (FHA|USDA|VA) 1 $355,000 $355,000 $5,033 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $355,000 $355,000 $16,986 3.63%
Cedar City, UT (FHA|USDA|VA) 1 $355,000 $355,000 $5,940 0.00%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $355,000 $355,000 $8,536 2.38%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $355,000 $355,000 $16,399 2.88%
ABILENE, TX (FHA|USDA|VA) 2 $350,000 $175,000 $2,924 3.50%
Meridian, MS (FHA|USDA|VA) 2 $350,000 $175,000 $6,077 4.31%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $345,000 $345,000 $16,036 2.75%
Mount Pleasant, TX (FHA|USDA|VA) 2 $340,000 $170,000 $4,775 3.25%
Fallon, NV (FHA|USDA|VA) 2 $330,000 $165,000 $6,312 1.88%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $3,332 2.88%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $320,000 $160,000 $2,109 2.75%
Concord, NH (FHA|USDA|VA) 1 $315,000 $315,000 $2,890 3.38%
Fernley, NV (FHA|USDA|VA) 1 $305,000 $305,000 $3,091 3.00%
Moses Lake, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,352 2.88%
Durango, CO (FHA|USDA|VA) 1 $305,000 $305,000 $2,500 3.00%
POCATELLO, ID (FHA|USDA|VA) 1 $285,000 $285,000 $7,885 2.75%
RACINE, WI (FHA|USDA|VA) 1 $285,000 $285,000 $7,695 2.88%
Montrose, CO (FHA|USDA|VA) 1 $285,000 $285,000 $611 2.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $275,000 $275,000 $525 2.88%
Brookings, OR (FHA|USDA|VA) 1 $275,000 $275,000 $13,833 2.88%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $275,000 $275,000 $13,989 2.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $265,000 $265,000 $7,845 3.63%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $265,000 $265,000 $12,667 2.50%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,738 2.63%
Pearsall, TX (FHA|USDA|VA) 2 $260,000 $130,000 $4,861 3.06%
BURLINGTON, NC (FHA|USDA|VA) 1 $255,000 $255,000 $8,421 2.75%
Crawfordsville, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,458 2.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $4,224 3.25%
Jacksonville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $5,262 3.38%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,297 4.13%
Marion, OH (FHA|USDA|VA) 1 $245,000 $245,000 $9,550 4.13%
Nogales, AZ (FHA|USDA|VA) 2 $240,000 $120,000 $5,435 2.81%
THE VILLAGES, FL (FHA|USDA|VA) 1 $215,000 $215,000 $1,111 3.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $5,089 3.25%
Pittsburg, KS (FHA|USDA|VA) 1 $205,000 $205,000 $3,380 3.50%
Americus, GA (FHA|USDA|VA) 1 $205,000 $205,000 $5,020 3.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,263 3.75%
Craig, CO (FHA|USDA|VA) 1 $205,000 $205,000 $4,111 2.75%
Bay City, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,332 3.13%
AMES, IA (FHA|USDA|VA) 1 $195,000 $195,000 $3,095 3.25%
Ada, OK (FHA|USDA|VA) 1 $195,000 $195,000 $211 3.63%
Lufkin, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,172 3.38%
PITTSBURGH, PA (FHA|USDA|VA) 1 $195,000 $195,000 $4,223 2.63%
North Wilkesboro, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.00%
Cullman, AL (FHA|USDA|VA) 1 $185,000 $185,000 $5,474 3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $185,000 $185,000 $2,513 3.13%
Albertville, AL (FHA|USDA|VA) 1 $185,000 $185,000 $6,760 2.25%
Sonora, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,720 3.13%
FLINT, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,985 3.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $175,000 $175,000 $2,234 2.38%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,672 2.63%
Warrensburg, MO (FHA|USDA|VA) 1 $175,000 $175,000 $6,352 3.13%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $175,000 $175,000 $6,844 3.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,978 3.13%
Greeneville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,828 3.00%
ROANOKE, VA (FHA|USDA|VA) 1 $165,000 $165,000 $7,097 3.63%
Richmond-Berea, KY (FHA|USDA|VA) 1 $165,000 $165,000 $7,588 3.25%
BELLINGHAM, WA (FHA|USDA|VA) 1 $165,000 $165,000 $8,562 3.50%
SAN ANGELO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,892 3.00%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $4,304 3.25%
Uvalde, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,225 2.50%
Branson, MO (FHA|USDA|VA) 1 $155,000 $155,000 $3,059 2.75%
Ruidoso, NM (FHA|USDA|VA) 1 $155,000 $155,000 $5,890 3.63%
Marion, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,540 3.63%
Coshocton, OH (FHA|USDA|VA) 1 $155,000 $155,000 $1,455 3.63%
Alice, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,696 4.13%
Rexburg, ID (FHA|USDA|VA) 1 $145,000 $145,000 $4,305 3.13%
Bartlesville, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,724 2.75%
Ozark, AL (FHA|USDA|VA) 1 $145,000 $145,000 $5,217 3.38%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $145,000 $145,000 $525 2.63%
LaGrange, GA-AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,222 3.25%
WENATCHEE, WA (FHA|USDA|VA) 1 $135,000 $135,000 $4,787 3.63%
LIMA, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,618 3.13%
Aberdeen, WA (FHA|USDA|VA) 1 $135,000 $135,000 $2,339 3.88%
Palestine, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,546 3.25%
Russellville, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,009 3.75%
VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,674 3.63%
Las Vegas, NM (FHA|USDA|VA) 1 $135,000 $135,000 $3,283 3.75%
Silver City, NM (FHA|USDA|VA) 1 $125,000 $125,000 $7,081 2.88%
Taos, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,250 3.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $125,000 $125,000 $1,482 4.00%
Laurel, MS (FHA|USDA|VA) 1 $125,000 $125,000 $7,731 3.38%
Huntsville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,718 3.13%
Dublin, GA (FHA|USDA|VA) 1 $125,000 $125,000 $4,590 3.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $115,000 $115,000 $3,206 2.63%
Cornelia, GA (FHA|USDA|VA) 1 $115,000 $115,000 $1,742 3.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,073 2.75%
ROCHESTER, MN (FHA|USDA|VA) 1 $105,000 $105,000 $3,023 3.50%
Greenwood, SC (FHA|USDA|VA) 1 $105,000 $105,000 $1,800 3.00%
Watertown, SD (FHA|USDA|VA) 1 $85,000 $85,000 $3,462 3.88%
Weatherford, OK (FHA|USDA|VA) 1 $85,000 $85,000 $4,743 2.75%
MOBILE, AL (FHA|USDA|VA) 1 $85,000 $85,000 $2,825 2.88%
LAREDO, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,796 3.13%
La Grande, OR (FHA|USDA|VA) 1 $75,000 $75,000 $3,341 4.00%
Taylorville, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,976 3.63%
Oxford, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,762 3.13%

Amerifirst Financial 's top markets include Phoenix, Denver, San Antonio, Las Vegas, and Austin among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 8,787 $2,961,825,000 $337,069 $4,457 3.13%
FHA 1,854 $535,350,000 $288,754 $9,183 3.21%
VA 932 $354,650,000 $380,526 $7,798 2.76%
USDA 50 $10,480,000 $209,600 $4,583 2.91%

For the 2021 period, Amerifirst Financial 's most frequently originated loan type of loans were Conventional, with 8,787 originations. Their 2nd most popular type is FHA, with 1,854 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 6,491 $2,302,955,000 $354,792 $6,197 3.17%
Refi 2,766 $836,420,000 $302,393 $3,993 2.89%
Cash Out Refi 2,356 $720,670,000 $305,887 $5,260 3.21%
Other 10 $2,260,000 $226,000 $3,697 3.10%

For the 2021, Amerifirst Financial 's most frequently cited loan purpose of loans were Home Purchase, with 6,491 originations. The 2nd most popular reason of loans were Refi, with 2,766 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 10,750 $3,648,270,000 $339,374 $5,626 3.14%
15 Year 558 $137,060,000 $245,627 $3,599 2.60%
20 Year 217 $56,605,000 $260,853 $3,729 2.93%
Other 63 $16,395,000 $260,238 $4,180 3.02%
10 Year 35 $3,975,000 $113,571 $2,678 3.04%

For the 2021, Amerifirst Financial 's most frequently cited loan length of loans were 30 Year, with 10,750 originations. The 2nd most popular length of loans were 15 Year, with 558 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,675 $1,482,935,000 $317,205
$<1k 2,669 $848,135,000 $317,773
$3k-4k 1,568 $519,420,000 $331,263
$2k-3k 1,496 $459,590,000 $307,213
$5k+ 1,213 $551,685,000 $454,810

$5,626 of loans were Amerifirst Financial 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,675 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 6,087 $2,063,545,000 $339,009
2.5-3% 3,963 $1,344,135,000 $339,171
<2.5% 1,155 $331,845,000 $287,312
4-5% 365 $111,475,000 $305,411
5-6% 6 $350,000 $58,333
7-8% 1 $15,000 $15,000

During 2021, Amerifirst Financial 's average interest rate of loans were 3.14%, while their most frequently originated rate bucket of loans were 3-4%, with 6,087 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 6,304 $1,865,820,000 $295,974 $5,631 3.18%
$400k-600k 2,581 $1,243,945,000 $481,962 $6,186 3.12%
$100k-200k 1,857 $297,565,000 $160,240 $3,840 3.11%
$600k-1MM 400 $293,930,000 $734,825 $8,677 3.09%
$100,000 or less 369 $15,575,000 $42,209 $1,420 1.81%
$1MM+ 112 $145,470,000 $1,298,839 $9,376 3.00%

2021 saw Amerifirst Financial place emphasis on $200k-400k loans with 6,304 originations, totaling $1,865,820,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 3,060 $806,270,000 $263,487 $5,489 3.11%
$100k-150k 2,532 $940,530,000 $371,457 $5,684 3.13%
$75k-100k 2,405 $762,865,000 $317,200 $5,648 3.15%
$50k or less 1,693 $360,115,000 $212,708 $4,432 3.05%
$150k-250k 1,420 $660,050,000 $464,824 $5,730 3.10%
$250k+ 506 $329,770,000 $651,719 $6,330 3.03%

Amerifirst Financial lent most frequently to those with incomes in the $50k-75k range, with 3,060 originations. The second most popular income band? $100k-150k, with 2,532 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 2,008 $695,850,000 $346,539 $5,210 3.13%
20-30% 1,992 $656,760,000 $329,699 $4,687 3.07%
<20% 638 $199,930,000 $313,370 $4,077 2.86%
44% 635 $201,315,000 $317,031 $5,697 3.26%
50-60% 614 $199,040,000 $324,169 $8,923 3.04%
43% 534 $174,890,000 $327,509 $5,629 3.18%
42% 531 $186,575,000 $351,365 $5,917 3.20%
41% 481 $158,775,000 $330,094 $5,766 3.20%
39% 436 $144,150,000 $330,619 $5,510 3.17%
49% 434 $143,080,000 $329,677 $6,036 3.19%
40% 430 $146,060,000 $339,674 $5,646 3.16%
38% 413 $138,235,000 $334,709 $5,321 3.12%
37% 398 $135,030,000 $339,271 $5,436 3.21%
45% 376 $123,990,000 $329,761 $5,819 3.16%
46% 375 $122,215,000 $325,907 $5,935 3.17%
36% 363 $120,545,000 $332,080 $5,259 3.10%
47% 352 $114,670,000 $325,767 $5,993 3.16%
48% 321 $106,645,000 $332,227 $5,941 3.20%
>60% 19 $6,545,000 $344,474 $4,663 2.84%

Amerifirst Financial lent most frequently to those with DTI ratios of 30-36%, with 2,008 originations. The next most common DTI ratio? 20-30%, with 1,992 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 9,651 $3,187,795,000 $330,307 $5,395 3.11%
Not provided 689 $249,455,000 $362,054 $6,075 3.09%
Asian 549 $207,735,000 $378,388 $5,271 3.11%
Black 578 $168,160,000 $290,934 $6,192 3.14%
American Indian 114 $33,830,000 $296,754 $5,850 3.25%
Native Hawaiian 37 $13,165,000 $355,811 $6,155 3.29%
Other Asian 2 $860,000 $430,000 $7,614 3.19%
Asian Indian 1 $585,000 $585,000 $8,500 2.88%
Chinese 1 $395,000 $395,000 $5,061 3.50%
Vietnamese 1 $325,000 $325,000 $4,122 3.38%

Approval Rates

Total approvals of all applications
97.85%

Amerifirst Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
60.31%

Amerifirst Financial 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 11,623 $3,862,305,000 $332,298

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
11,623 $3,862,305,000 $332,298

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 450 $86,920,000 $193,156 $3,482 2.89%
40-60% 1,469 $423,385,000 $288,213 $3,882 2.99%
60-80% 3,777 $1,311,815,000 $347,317 $4,873 3.16%
80-100% 5,508 $1,958,200,000 $355,519 $6,418 3.21%
Over 100% 178 $74,310,000 $417,472 $14,321 2.87%
Under 20% 238 $6,760,000 $28,403 $536 1.03%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
AMERIFIRST FINANCIAL, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 40.0%
AMERIFIRST FINANCIAL, INC. Conventional home mortgage Closing on a mortgage 1 20.0%
AMERIFIRST FINANCIAL, INC. Conventional home mortgage Struggling to pay mortgage 1 20.0%
AMERIFIRST FINANCIAL, INC. FHA mortgage Closing on a mortgage 1 20.0%