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 small mortgage company specializing in Home Purchase 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, Austin, Las Vegas, and San Antonio among others. We have data for 274 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% | 11/22/24 |
| 30 Year Conventional Refi | 6.62% | 11/22/24 |
| 30 Year Cash-out Refi | 6.92% | 11/22/24 |
| 30 Year FHA Purchase | 7.52% | 11/22/24 |
| 30 Year FHA Refi | 7.32% | 11/22/24 |
| 30 Year VA Purchase | 6.35% | 11/22/24 |
| 30 Year VA Refi | 5.83% | 11/22/24 |
| 30 Year USDA Purchase | 6.83% | 11/22/24 |
| 30 Year USDA Refi | 7.87% | 11/22/24 |
| 15 Year Conventional Purchase | 6.30% | 11/22/24 |
| 15 Year Conventional Refi | 6.02% | 11/22/24 |
| 15 Year Cash-out Refi | 6.02% | 11/22/24 |
| 15 Year FHA Refi | 7.41% | 11/22/24 |
| 15 Year VA Purchase | 6.16% | 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 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
6,391Origination Dollar Volume (All Markets)
$2,393,595,000Awards
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Amerifirst Financial - 2022
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For 2022, 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) | 2,068 | $769,090,000 | $371,900 | $7,150 | 4.95% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1,232 | $583,840,000 | $473,896 | $6,485 | 4.77% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 212 | $99,310,000 | $468,443 | $9,874 | 5.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 225 | $83,495,000 | $371,089 | $8,532 | 5.10% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 288 | $82,640,000 | $286,944 | $8,182 | 5.24% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 112 | $40,730,000 | $363,661 | $8,915 | 4.81% |
| Outside of Metro Areas | 130 | $38,210,000 | $293,923 | $6,875 | 4.88% |
| GREELEY, CO (FHA|USDA|VA) | 73 | $27,995,000 | $383,493 | $7,471 | 4.32% |
| BOULDER, CO (FHA|USDA|VA) | 49 | $27,655,000 | $564,388 | $5,679 | 5.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 115 | $27,455,000 | $238,739 | $7,306 | 5.92% |
| MODESTO, CA (FHA|USDA|VA) | 62 | $23,870,000 | $385,000 | $8,614 | 4.93% |
| FRESNO, CA (FHA|USDA|VA) | 76 | $23,640,000 | $311,053 | $6,250 | 4.43% |
| Show Low, AZ (FHA|USDA|VA) | 83 | $22,885,000 | $275,723 | $7,194 | 5.10% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 66 | $21,010,000 | $318,333 | $8,239 | 5.23% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 55 | $19,965,000 | $363,000 | $9,613 | 5.31% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 57 | $17,925,000 | $314,474 | $5,432 | 4.79% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 27 | $17,845,000 | $660,926 | $10,177 | 4.99% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 27 | $17,245,000 | $638,704 | $12,361 | 5.62% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 75 | $16,825,000 | $224,333 | $6,849 | 5.79% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 61 | $15,935,000 | $261,230 | $5,148 | 5.70% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 52 | $15,630,000 | $300,577 | $6,749 | 4.87% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 57 | $15,315,000 | $268,684 | $6,118 | 4.84% |
| FORT COLLINS, CO (FHA|USDA|VA) | 39 | $15,225,000 | $390,385 | $5,813 | 4.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 27 | $14,305,000 | $529,815 | $8,074 | 5.73% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 42 | $13,240,000 | $315,238 | $7,046 | 4.45% |
| STOCKTON, CA (FHA|USDA|VA) | 25 | $12,605,000 | $504,200 | $8,350 | 5.09% |
| REDDING, CA (FHA|USDA|VA) | 43 | $11,955,000 | $278,023 | $6,305 | 5.13% |
| MADERA, CA (FHA|USDA|VA) | 27 | $11,225,000 | $415,741 | $4,825 | 5.14% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 27 | $10,015,000 | $370,926 | $9,690 | 5.24% |
| TUCSON, AZ (FHA|USDA|VA) | 35 | $9,515,000 | $271,857 | $7,198 | 5.30% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 29 | $8,795,000 | $303,276 | $8,504 | 5.39% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 27 | $8,535,000 | $316,111 | $8,290 | 3.96% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 22 | $8,410,000 | $382,273 | $9,032 | 5.30% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 23 | $8,335,000 | $362,391 | $3,847 | 6.02% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 21 | $7,445,000 | $354,524 | $9,814 | 5.51% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 22 | $6,530,000 | $296,818 | $4,798 | 4.35% |
| EL PASO, TX (FHA|USDA|VA) | 25 | $6,365,000 | $254,600 | $7,649 | 6.09% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 15 | $6,165,000 | $411,000 | $7,216 | 5.39% |
| Payson, AZ (FHA|USDA|VA) | 21 | $6,045,000 | $287,857 | $6,549 | 5.14% |
| MERCED, CA (FHA|USDA|VA) | 19 | $5,775,000 | $303,947 | $7,739 | 4.16% |
| VISALIA, CA (FHA|USDA|VA) | 26 | $5,010,000 | $192,692 | $10,227 | 3.89% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $4,755,000 | $679,286 | $10,387 | 5.46% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 14 | $4,610,000 | $329,286 | $7,641 | 4.96% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 20 | $4,570,000 | $228,500 | $7,532 | 5.49% |
| DULUTH, MN-WI (FHA|USDA|VA) | 17 | $4,295,000 | $252,647 | $5,482 | 6.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 16 | $4,270,000 | $266,875 | $7,179 | 5.36% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $3,895,000 | $779,000 | $5,930 | 3.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $3,735,000 | $533,571 | $13,424 | 5.16% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $3,680,000 | $613,333 | $10,153 | 4.98% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 14 | $3,510,000 | $250,714 | $6,572 | 5.74% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 9 | $3,345,000 | $371,667 | $8,778 | 4.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $3,195,000 | $639,000 | $7,455 | 4.50% |
| RENO, NV (FHA|USDA|VA) | 9 | $3,195,000 | $355,000 | $6,031 | 5.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 10 | $3,140,000 | $314,000 | $4,280 | 2.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 11 | $3,045,000 | $276,818 | $5,544 | 5.30% |
| SALINAS, CA (FHA|USDA|VA) | 8 | $3,040,000 | $380,000 | $6,512 | 4.16% |
| PUEBLO, CO (FHA|USDA|VA) | 11 | $2,995,000 | $272,273 | $5,546 | 4.08% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 17 | $2,905,000 | $170,882 | $5,040 | 4.87% |
| AKRON, OH (FHA|USDA|VA) | 16 | $2,880,000 | $180,000 | $5,229 | 5.32% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 9 | $2,725,000 | $302,778 | $5,199 | 6.47% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $7,802 | 3.83% |
| SALEM, OR (FHA|USDA|VA) | 5 | $2,575,000 | $515,000 | $7,985 | 5.83% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 7 | $2,555,000 | $365,000 | $6,396 | 5.86% |
| Edwards, CO (FHA|USDA|VA) | 3 | $2,545,000 | $848,333 | $4,304 | 3.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $9,535 | 6.34% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $2,475,000 | $353,571 | $5,025 | 5.71% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 6 | $2,450,000 | $408,333 | $4,318 | 4.48% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $2,440,000 | $244,000 | $5,878 | 5.49% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $2,325,000 | $332,143 | $3,808 | 5.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $7,929 | 3.43% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $10,300 | 5.30% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,190,000 | $365,000 | $8,340 | 5.33% |
| FARMINGTON, NM (FHA|USDA|VA) | 9 | $2,085,000 | $231,667 | $7,108 | 5.54% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $2,075,000 | $230,556 | $5,186 | 5.13% |
| OCALA, FL (FHA|USDA|VA) | 7 | $2,005,000 | $286,429 | $9,279 | 5.02% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $7,773 | 5.38% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $1,810,000 | $301,667 | $5,006 | 4.65% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $5,309 | 4.42% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $9,286 | 4.79% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $2,787 | 4.78% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $9,488 | 5.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,540,000 | $770,000 | $28,020 | 6.69% |
| BEND, OR (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $9,185 | 5.22% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $7,323 | 6.00% |
| Riverton, WY (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $5,880 | 5.77% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $6,922 | 5.25% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $5,595 | 5.79% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $9,234 | 5.75% |
| Jefferson, GA (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $7,422 | 6.53% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $5,543 | 4.78% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $8,437 | 5.35% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $10,839 | 3.56% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $10,605 | 5.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $1,734 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $9,444 | 4.29% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $8,279 | 4.81% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $12,788 | 4.56% |
| GAINESVILLE, GA (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $4,942 | 5.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $8,031 | 6.50% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $4,571 | 5.00% |
| CHICO, CA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $5,641 | 3.81% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,516 | 6.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $4,972 | 4.29% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $3,868 | 3.75% |
| Montrose, CO (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $2,771 | 5.94% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $3,442 | 5.56% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $9,239 | 5.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,906 | 5.22% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $6,307 | 5.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $6,032 | 4.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,291 | 5.29% |
| Sonora, CA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $6,261 | 3.83% |
| Cañon City, CO (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,507 | 4.38% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $10,464 | 6.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $4,343 | 5.69% |
| Sterling, CO (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $3,243 | 4.28% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,883 | 6.19% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,407 | 5.13% |
| Safford, AZ (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,851 | 5.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $6,965 | 5.96% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $10,874 | 6.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,153 | 4.29% |
| Red Bluff, CA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $4,309 | 4.69% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $13,044 | 5.56% |
| Wooster, OH (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $8,503 | 6.50% |
| Rockport, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,438 | 5.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,399 | 4.88% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,876 | 5.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,864 | 6.00% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,817 | 5.31% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,125 | 5.31% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,018 | 4.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $1,434 | 5.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,748 | 4.50% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,859 | 3.88% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,248 | 6.31% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $7,363 | 2.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $12,489 | 5.19% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $13,515 | 5.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $6,531 | 4.04% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $11,958 | 5.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $8,794 | 3.63% |
| Greenville, OH (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,812 | 6.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,447 | 5.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $288 | 4.56% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,674 | 3.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $17,118 | 6.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $8,004 | 3.63% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,748 | 3.25% |
| WACO, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,219 | 5.77% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,948 | 6.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,610 | 10.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,822 | 5.56% |
| Durango, CO (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,620 | 4.13% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $13,114 | 5.88% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 6.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,331 | 3.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $21,617 | 4.75% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,814 | 5.13% |
| Minot, ND (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,873 | 4.38% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,928 | 5.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,368 | 5.63% |
| READING, PA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,725 | 5.13% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,469 | 7.63% |
| Williston, ND (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,148 | 3.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $15,268 | 6.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $12,620 | 5.63% |
| CASPER, WY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,970 | 5.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,549 | 3.94% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 5.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,600 | 3.88% |
| Urbana, OH (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,743 | 3.88% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,283 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,835 | 3.75% |
| TYLER, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,521 | 5.69% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,323 | 6.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,392 | 4.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,105 | 7.13% |
| Athens, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,789 | 3.25% |
| Albertville, AL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,130 | 5.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,710 | 4.38% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $800 | 6.88% |
| Outside of Metro Areas | 1 | $355,000 | $355,000 | $8,667 | 4.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,025 | 6.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,282 | 4.00% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,018 | 3.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,844 | 5.25% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,400 | 7.13% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,432 | 5.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $17,373 | 5.63% |
| Fernley, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,957 | 4.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,255 | 7.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,977 | 3.63% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,513 | 5.63% |
| Farmington, MO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,238 | 5.88% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,726 | 6.06% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,398 | 3.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,215 | 5.50% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $6,161 | 4.25% |
| Fallon, NV (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,570 | 2.38% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,614 | 6.38% |
| Gallup, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,334 | 6.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,640 | 5.63% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,367 | 4.88% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,820 | 4.75% |
| Wilson, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,581 | 5.38% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,684 | 4.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,766 | 3.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,567 | 6.13% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,315 | 6.13% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,696 | 5.38% |
| Taylorville, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,380 | 3.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,343 | 6.50% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,573 | 5.50% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,559 | 3.94% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,938 | 4.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,331 | 6.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,733 | 3.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,233 | 6.13% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,909 | 5.50% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,540 | 5.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,867 | 5.25% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,427 | 6.13% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,126 | 6.63% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,835 | 2.75% |
| Dayton, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,133 | 5.63% |
| Brenham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,004 | 5.63% |
| Russellville, AR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,500 | 6.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,360 | 6.63% |
| ERIE, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,518 | 6.13% |
| Vernal, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,502 | 5.63% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,508 | 4.34% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,045 | 3.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,491 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,364 | 7.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,509 | 3.75% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,658 | 3.63% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,856 | 6.50% |
| Meadville, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,335 | 3.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,362 | 7.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,669 | 4.38% |
| Roswell, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,158 | 6.50% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,200 | 4.13% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,774 | 4.88% |
| DALTON, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,546 | 5.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,794 | 6.00% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,797 | 6.38% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,421 | 6.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,732 | 3.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,869 | 3.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,190 | 5.88% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,133 | 4.88% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,677 | 5.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,233 | 4.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,280 | 5.50% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,160 | 6.13% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,873 | 3.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,905 | 3.88% |
| Alice, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.88% |
| Watertown, SD (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,212 | 4.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,462 | 4.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,554 | 5.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,084 | 3.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,553 | 5.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,355 | 5.00% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,543 | 4.50% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $631 | 4.25% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,990 | 5.63% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,380 | 5.63% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,987 | 4.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,766 | 6.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,178 | 5.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,855 | 5.38% |
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Product Mix
For 2022, Amerifirst Financial's most frequently originated type of loan was Conventional, with 4,671 originations. Their 2nd most popular type was FHA, with 1,190 originations.
Loan Reason
For 2022, Amerifirst Financial's most frequently cited loan purpose was Home Purchase, with 5,249 originations. The 2nd most popular reason was Cash Out Refi, with 890 originations.
Loan Duration/Length
For 2022, Amerifirst Financial's most frequently cited loan duration was 30 Year, with 6,191 originations. The 2nd most popular length was 15 Year, with 131 originations.
Origination Fees/Closing Costs
Amerifirst Financial's average total fees were $7,280, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,590 originations.
Interest Rates
During 2022, Amerifirst Financial's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 5-6%, with 2,114 originations.
Loan Sizing
2022 saw Amerifirst Financial place emphasis on $200k-400k loans with 2,873 originations, totaling $871,735,000 in origination value.
Applicant Income
Amerifirst Financial lent most frequently to those with incomes in the $100k-150k range, with 1,675 originations. The second most popular income band? $75k-100k, with 1,341 originations.
Applicant Debt to Income Ratio
Amerifirst Financial lent most frequently to those with DTI ratios of 30-36%, with 944 originations. The next most common DTI ratio? 20-30%, with 721 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.68%
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 origination47.33%
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 | 6,391 | $2,393,595,000 | $374,526 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,391 | $2,393,595,000 | $374,526 |