Allied First Banksb Mortgage Rates, Fees & Info
Oswego, ILLEI: 549300XRF9LCZ3RX3Q39
Tax ID: 36-3899872
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Mortgage Data
Review & Overview
Allied First Banksb is a smaller bank specializing in Home Purchase loans. Allied First Banksb has an average proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Chicago, Portland, Washington, Anchorage, and New York among others. We have data for 74 markets. (Some data included below & more in-depth data is available with an active subscription.)Allied First Banksb has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Allied First Banksb is typically a low 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 | 7.10% | 4/5/25 |
| 30 Year Conventional Refi | 7.16% | 4/5/25 |
| 30 Year Cash-out Refi | 6.94% | 4/5/25 |
| 30 Year FHA Purchase | 7.57% | 4/5/25 |
| 30 Year FHA Refi | 7.41% | 4/5/25 |
| 30 Year VA Purchase | 6.72% | 4/5/25 |
| 30 Year VA Refi | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 6.00% | 4/5/25 |
| 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. | ||
Allied First Banksb Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Allied First Banksb. 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
148Origination Dollar Volume (All Markets)
$48,030,000Relative Rate
Allied First Banksb's average 30 year fixed mortgage rate was
6.85%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.3%.
Relative Fees (Closing Costs)
Allied First Banksb's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,086.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 39 | $14,875,000 | $381,410 | $7,233 | 6.86% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $2,474 | 2.91% |
| Outside of Metro Areas | 8 | $1,880,000 | $235,000 | $2,761 | 4.22% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $2,528 | 2.94% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $830 | 2.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $1,109 | 3.50% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $4,648 | 2.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $6,325 | 3.44% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $1,263 | 2.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,541 | 2.42% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,307 | 3.31% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $5,009 | 2.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,000 | 4.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,284 | 2.88% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $3,709 | 2.88% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $1,694 | 3.19% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,717 | 4.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,125 | 2.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,077 | 2.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,719 | 5.12% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,202 | 3.25% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $1,325 | 3.38% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,546 | 2.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $539 | 2.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,046 | 4.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $765 | 3.38% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,588 | 2.50% |
| Gloversville, NY (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,663 | 2.75% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,479 | 3.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,450 | 3.19% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $377 | 2.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,133 | 2.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $612 | 2.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,126 | 2.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $900 | 3.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,196 | 3.44% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,581 | 6.50% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,570 | 2.25% |
| Bemidji, MN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $308 | 2.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,643 | 2.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $367 | 2.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $559 | 3.00% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,829 | 3.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,872 | 2.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.25% |
| TYLER, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,658 | 2.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,785 | 3.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,569 | 2.50% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,090 | 3.38% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,599 | 3.63% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $173 | 4.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,564 | 2.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,493 | 2.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,110 | 3.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $403 | 3.63% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,380 | 2.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,992 | 6.99% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $458 | 2.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.50% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,211 | 2.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $403 | 2.75% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,212 | 3.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,242 | 2.25% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $958 | 4.25% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,087 | 6.99% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,141 | 3.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.13% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,065 | 4.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $413 | 2.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $915 | 3.88% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,428 | 6.50% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $995 | 4.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against Allied First Banksb based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| VA | 79 | $25,955,000 | $328,544 | $2,131 | 2.93% |
| Conventional | 37 | $13,915,000 | $376,081 | $6,384 | 6.96% |
| FHA | 32 | $8,160,000 | $255,000 | $3,518 | 4.50% |
For 2024, Allied First Banksb's most frequently originated type of loan was VA, with 79 originations. Their 2nd most popular type was Conventional, with 37 originations.
Loan Reason
For 2024, Allied First Banksb's most frequently cited loan purpose was Home Purchase, with 130 originations. The 2nd most popular reason was Other, with 12 originations.
Loan Duration/Length
For 2024, Allied First Banksb's most frequently cited loan duration was Other, with 102 originations. The 2nd most popular length was 30 Year, with 44 originations.
Origination Fees/Closing Costs
Allied First Banksb's average total fees were $7,086, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 92 originations.
Interest Rates
During 2024, Allied First Banksb's average interest rate for loans was 6.85%, while their most frequently originated rate bucket for loans was 6-7%, with 32 originations.
Loan Sizing
2024 saw Allied First Banksb place emphasis on $200k-400k loans with 75 originations, totaling $21,605,000 in origination value.
Applicant Income
Allied First Banksb lent most frequently to those with incomes in the $100k-150k range, with 39 originations. The second most popular income band? $150k-250k, with 29 originations.
Applicant Debt to Income Ratio
Allied First Banksb lent most frequently to those with DTI ratios of 20-30%, with 36 originations. The next most common DTI ratio? 30-36%, with 23 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.20%
Allied First Banksb has a below average approval rate.
Pick Rate
Approvals leading to origination-52.70%
Allied First Banksb 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 | 148 | $48,030,000 | $324,527 |