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 Austin among others. We have data for 279 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.
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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
Estimated Loan Payment: Update the calculator values and click calculate payment!
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
11,623Origination Dollar Volume (All Markets)
$3,862,305,000Awards
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Amerifirst Financial - 2021
Amerifirst Financial is a 2021 , due to their low .
For 2021, 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) | 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% |
| Cañon 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% |
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Product Mix
For 2021, Amerifirst Financial's most frequently originated type of loan was Conventional, with 8,787 originations. Their 2nd most popular type was FHA, with 1,854 originations.
Loan Reason
For 2021, Amerifirst Financial's most frequently cited loan purpose was Home Purchase, with 6,491 originations. The 2nd most popular reason was Refi, with 2,766 originations.
Loan Duration/Length
For 2021, Amerifirst Financial's most frequently cited loan duration was 30 Year, with 10,750 originations. The 2nd most popular length was 15 Year, with 558 originations.
Origination Fees/Closing Costs
Amerifirst Financial's average total fees were $5,626, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,675 originations.
Interest Rates
During 2021, Amerifirst Financial's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 6,087 originations.
Loan Sizing
2021 saw Amerifirst Financial place emphasis on $200k-400k loans with 6,304 originations, totaling $1,865,820,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications98.43%
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 origination59.77%
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
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% |