Amerifirst Financial Mortgage Rates, Fees & Info
Phoenix, AZLEI: 549300SVLCM6NZQ53P14
Tax ID: 86-0634557
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Mortgage Data
Review & 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 by origination volume include: Phoenix, Denver, San Antonio, Las Vegas, and Los Angeles among others. We have data for 202 markets. (Some data included below & more in-depth data is available with an active subscription.)Amerifirst Financial 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 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 | 6.67% | 4/18/24 |
| 30 Year Conventional Refi | 6.62% | 4/18/24 |
| 30 Year Cash-out Refi | 6.92% | 4/18/24 |
| 30 Year FHA Purchase | 7.52% | 4/18/24 |
| 30 Year FHA Refi | 7.32% | 4/18/24 |
| 30 Year VA Purchase | 6.35% | 4/18/24 |
| 30 Year VA Refi | 5.83% | 4/18/24 |
| 30 Year USDA Purchase | 6.83% | 4/18/24 |
| 30 Year USDA Refi | 7.87% | 4/18/24 |
| 15 Year Conventional Purchase | 6.30% | 4/18/24 |
| 15 Year Conventional Refi | 6.02% | 4/18/24 |
| 15 Year Cash-out Refi | 6.02% | 4/18/24 |
| 15 Year FHA Refi | 7.41% | 4/18/24 |
| 15 Year VA Purchase | 6.16% | 4/18/24 |
| 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 Mortgage Calculator
Your Estimates
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This is not an official calculator from Amerifirst Financial. 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
12,687Origination Dollar Volume (All Markets)
$3,779,655,000Awards
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Amerifirst Financial - 2020
Amerifirst Financial 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 |
|---|---|---|---|---|---|
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5,943 | $1,603,855,000 | $269,873 | $4,283 | 3.21% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2,463 | $922,695,000 | $374,622 | $5,054 | 3.10% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 360 | $88,640,000 | $246,222 | $5,488 | 3.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 290 | $78,770,000 | $271,621 | $5,541 | 3.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 141 | $70,995,000 | $503,511 | $5,782 | 3.07% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 203 | $65,375,000 | $322,044 | $5,138 | 3.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 136 | $65,020,000 | $478,088 | $4,419 | 3.12% |
| FRESNO, CA (FHA|USDA|VA) | 238 | $57,020,000 | $239,580 | $4,578 | 2.93% |
| Show Low, AZ (FHA|USDA|VA) | 257 | $55,625,000 | $216,440 | $4,159 | 3.24% |
| GREELEY, CO (FHA|USDA|VA) | 151 | $46,415,000 | $307,384 | $5,448 | 2.86% |
| STOCKTON, CA (FHA|USDA|VA) | 103 | $43,805,000 | $425,291 | $5,295 | 3.14% |
| MODESTO, CA (FHA|USDA|VA) | 165 | $41,085,000 | $249,000 | $5,128 | 2.92% |
| Outside of Metro Areas | 153 | $37,745,000 | $246,699 | $5,212 | 3.11% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 105 | $32,415,000 | $308,714 | $6,391 | 2.92% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 99 | $31,845,000 | $321,667 | $4,389 | 2.72% |
| BOULDER, CO (FHA|USDA|VA) | 74 | $29,930,000 | $404,459 | $4,311 | 3.09% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 92 | $26,340,000 | $286,304 | $5,644 | 2.91% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 87 | $23,695,000 | $272,356 | $4,072 | 3.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 42 | $23,060,000 | $549,048 | $6,297 | 2.95% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 72 | $21,880,000 | $303,889 | $5,133 | 3.05% |
| REDDING, CA (FHA|USDA|VA) | 85 | $20,805,000 | $244,765 | $3,811 | 3.01% |
| Payson, AZ (FHA|USDA|VA) | 85 | $19,675,000 | $231,471 | $4,129 | 3.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 54 | $18,840,000 | $348,889 | $4,692 | 3.14% |
| MERCED, CA (FHA|USDA|VA) | 80 | $18,680,000 | $233,500 | $5,493 | 2.85% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 52 | $18,400,000 | $353,846 | $5,431 | 2.96% |
| VALLEJO, CA (FHA|USDA|VA) | 42 | $16,080,000 | $382,857 | $4,797 | 3.35% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 54 | $15,600,000 | $288,889 | $5,717 | 3.19% |
| TUCSON, AZ (FHA|USDA|VA) | 63 | $13,875,000 | $220,238 | $4,489 | 3.01% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 61 | $12,935,000 | $212,049 | $3,707 | 2.85% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 42 | $12,130,000 | $288,810 | $3,450 | 3.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 35 | $11,265,000 | $321,857 | $6,779 | 2.98% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 47 | $11,075,000 | $235,638 | $5,044 | 3.31% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 37 | $9,375,000 | $253,378 | $5,692 | 3.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 37 | $9,015,000 | $243,649 | $4,835 | 3.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 30 | $8,400,000 | $280,000 | $3,968 | 2.91% |
| PROVO-OREM, UT (FHA|USDA|VA) | 24 | $8,310,000 | $346,250 | $4,074 | 3.19% |
| Breckenridge, CO (FHA|USDA|VA) | 17 | $7,635,000 | $449,118 | $5,844 | 2.93% |
| Edwards, CO (FHA|USDA|VA) | 17 | $7,425,000 | $436,765 | $4,902 | 3.01% |
| MIDLAND, TX (FHA|USDA|VA) | 28 | $7,150,000 | $255,357 | $6,447 | 3.47% |
| MADERA, CA (FHA|USDA|VA) | 29 | $7,075,000 | $243,966 | $5,282 | 2.76% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 16 | $6,870,000 | $429,375 | $6,458 | 2.77% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 33 | $5,685,000 | $172,273 | $4,555 | 3.07% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 13 | $5,395,000 | $415,000 | $2,873 | 3.03% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $4,800,000 | $266,667 | $3,996 | 2.76% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 13 | $4,625,000 | $355,769 | $4,439 | 2.95% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 12 | $4,490,000 | $374,167 | $6,953 | 2.84% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $4,200,000 | $525,000 | $5,301 | 2.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 14 | $4,160,000 | $297,143 | $3,688 | 3.04% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 9 | $4,055,000 | $450,556 | $3,301 | 2.92% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 9 | $3,985,000 | $442,778 | $3,957 | 3.49% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 8 | $3,910,000 | $488,750 | $5,607 | 3.08% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 15 | $3,445,000 | $229,667 | $4,928 | 3.14% |
| Steamboat Springs, CO (FHA|USDA|VA) | 8 | $3,290,000 | $411,250 | $2,738 | 3.09% |
| YUMA, AZ (FHA|USDA|VA) | 17 | $3,165,000 | $186,176 | $4,458 | 3.03% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $3,015,000 | $430,714 | $3,483 | 3.20% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 18 | $2,950,000 | $163,889 | $2,028 | 2.76% |
| Red Bluff, CA (FHA|USDA|VA) | 14 | $2,640,000 | $188,571 | $3,647 | 3.33% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 8 | $2,490,000 | $311,250 | $4,019 | 3.84% |
| BOISE CITY, ID (FHA|USDA|VA) | 9 | $2,325,000 | $258,333 | $4,250 | 2.93% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $2,165,000 | $309,286 | $4,434 | 2.98% |
| ST. GEORGE, UT (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $6,369 | 2.98% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $7,876 | 3.08% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $4,041 | 2.98% |
| GAINESVILLE, GA (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $6,640 | 3.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $1,800,000 | $180,000 | $4,919 | 2.95% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $4,991 | 3.21% |
| Fort Morgan, CO (FHA|USDA|VA) | 10 | $1,790,000 | $179,000 | $3,866 | 2.55% |
| WACO, TX (FHA|USDA|VA) | 7 | $1,625,000 | $232,143 | $5,015 | 2.66% |
| Jefferson, GA (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $5,530 | 3.04% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $1,470,000 | $735,000 | $14,259 | 2.56% |
| VISALIA, CA (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $4,017 | 2.71% |
| ODESSA, TX (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $5,316 | 3.48% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $6,984 | 2.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $5,114 | 2.81% |
| Sterling, CO (FHA|USDA|VA) | 8 | $1,300,000 | $162,500 | $4,025 | 2.20% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 7 | $1,265,000 | $180,714 | $5,944 | 3.25% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $6,251 | 3.53% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $3,695 | 3.21% |
| Safford, AZ (FHA|USDA|VA) | 6 | $1,240,000 | $206,667 | $3,929 | 3.08% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $8,293 | 3.09% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $3,330 | 3.25% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $4,026 | 3.25% |
| Rockport, TX (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $4,704 | 3.79% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,587 | 3.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $3,772 | 3.53% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $7,552 | 2.72% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $8,283 | 3.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,813 | 3.48% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $5,496 | 3.06% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,424 | 3.29% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $3,054 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,990 | 2.83% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $8,455 | 3.04% |
| NAPA, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,875 | 3.13% |
| PUEBLO, CO (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $3,808 | 2.23% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $1,462 | 3.06% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,727 | 2.96% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $5,424 | 2.90% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $7,454 | 2.81% |
| Sonora, CA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,351 | 2.44% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,808 | 2.94% |
| Elko, NV (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,399 | 3.04% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,059 | 2.69% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,130 | 3.46% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,187 | 3.08% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,687 | 3.42% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $8,654 | 3.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,424 | 3.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,489 | 3.04% |
| RACINE, WI (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,855 | 3.00% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,472 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,816 | 2.69% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $75 | 2.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,310 | 3.63% |
| Brenham, TX (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,592 | 3.63% |
| BEND, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,161 | 2.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $611 | 2.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,393 | 3.06% |
| SALEM, OR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,277 | 3.63% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,800 | 2.63% |
| RENO, NV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,545 | 2.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,776 | 2.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,959 | 3.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,164 | 3.00% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,045 | 2.94% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,495 | 3.06% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,068 | 3.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,148 | 3.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,585 | 2.88% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,135 | 3.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,958 | 2.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,844 | 3.13% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,585 | 2.81% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,118 | 2.75% |
| Alice, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,755 | 2.75% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,061 | 2.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,908 | 2.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,584 | 3.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,493 | 2.29% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,705 | 3.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,325 | 3.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,273 | 3.25% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,281 | 3.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,494 | 2.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $32 | 3.00% |
| TYLER, TX (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $3,004 | 3.33% |
| Centralia, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,673 | 2.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,405 | 3.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,009 | 3.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,385 | 3.88% |
| Montrose, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,495 | 3.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,364 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 2.21% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,027 | 2.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,020 | 3.13% |
| MUNCIE, IN (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,116 | 4.96% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,255 | 3.63% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,062 | 3.13% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,522 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,538 | 2.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,301 | 2.25% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,525 | 2.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,385 | 3.88% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 2.88% |
| Vernal, UT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,441 | 3.63% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,296 | 2.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,134 | 3.63% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,444 | 3.00% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,703 | 2.75% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $510 | 3.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $545 | 2.88% |
| Kearney, NE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,930 | 2.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,859 | 3.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,165 | 3.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,980 | 2.75% |
| Prineville, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,953 | 2.88% |
| Winona, MN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,943 | 3.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,274 | 2.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,623 | 2.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,759 | 3.25% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,639 | 3.00% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,923 | 2.88% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,520 | 3.63% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,847 | 3.13% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,164 | 8.88% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,905 | 2.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,986 | 3.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,846 | 3.25% |
| Outside of Metro Areas | 1 | $165,000 | $165,000 | $4,334 | 2.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,955 | 3.13% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $1,658 | 5.63% |
| Athens, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,185 | 3.13% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,084 | 2.63% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,648 | 3.00% |
| Roswell, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,717 | 3.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,871 | 3.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,622 | 3.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,955 | 3.63% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,450 | 2.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,190 | 2.75% |
| Huron, SD (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,599 | 4.00% |
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Product Mix
For 2020, Amerifirst Financial's most frequently originated type of loan was Conventional, with 9,573 originations. Their 2nd most popular type was FHA, with 1,979 originations.
Loan Reason
For 2020, Amerifirst Financial's most frequently cited loan purpose was Home Purchase, with 5,958 originations. The 2nd most popular reason was Refi, with 4,858 originations.
Loan Duration/Length
For 2020, Amerifirst Financial's most frequently cited loan duration was 30 Year, with 11,563 originations. The 2nd most popular length was 15 Year, with 756 originations.
Origination Fees/Closing Costs
Amerifirst Financial's average total fees were $4,785, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,533 originations.
Interest Rates
During 2020, Amerifirst Financial's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 3-4%, with 5,932 originations.
Loan Sizing
2020 saw Amerifirst Financial place emphasis on $200k-400k loans with 7,240 originations, totaling $2,088,380,000 in origination value.
Applicant Income
Amerifirst Financial lent most frequently to those with incomes in the $50k-75k range, with 3,075 originations. The second most popular income band? $100k-150k, with 2,780 originations.
Applicant Debt to Income Ratio
Amerifirst Financial lent most frequently to those with DTI ratios of 20-30%, with 2,511 originations. The next most common DTI ratio? 30-36%, with 2,122 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.16%
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 origination63.01%
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 | 12,687 | $3,779,655,000 | $297,916 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 201 | $37,055,000 | $184,353 |
| Single Family (1-4 Units):Site-Built | 12,486 | $3,742,600,000 | $299,744 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERIFIRST FINANCIAL, INC. | VA mortgage | Closing on a mortgage | 1 | 20.0% |
| AMERIFIRST FINANCIAL, INC. | Conventional home mortgage | Closing on a mortgage | 2 | 40.0% |
| AMERIFIRST FINANCIAL, INC. | FHA mortgage | Closing on a mortgage | 1 | 20.0% |
| AMERIFIRST FINANCIAL, INC. | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 20.0% |