# AMERICA FIRST Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/america-first-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICA FIRST Federal Credit Union is a credit union, headquartered in Riverdale, UT, serving borrowers across 5 states, with 956 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007I0X1GRWIU8B34
- **Headquarters:** Riverdale, UT
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, ID, NM, NV, UT
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.039%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,814
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 956
- **Dollar Volume:** $252 million
- **Applications Received:** 1,980
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $264,111
- **Average Borrower Income:** $121,634
- **Average Property Value:** $527,615

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 75/100 | 896 | +0.024% | $1,728 | Strong 😀 |
| FHA | 58/100 | 41 | +0.472% | $3,419 | Sound ☺️ |
| VA | 57/100 | 13 | -0.319% | $2,121 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 403 loans, Score: 64/100 (Strong)
- Refinance: 493 loans, Score: 82/100 (Exceptional)

**FHA:**
- Purchase: 35 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 455 | $161M | +0.099% | Strong 😀 |
| Refinance | 81/100 | 501 | $92M | -0.017% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 750 | 1.67% | 88/100 |
| NV | 126 | 0.31% | 72/100 |
| AZ | 42 | 0.04% | 53/100 |
| ID | 33 | 0.12% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Ogden, UT | UT | 306 | 92/100 |
| Salt Lake City | UT | 209 | 81/100 |
| Las Vegas | NV | 110 | 71/100 |
| Non |  | 104 | 52/100 |
| Provo | UT | 79 | 69/100 |
| Logan, UT | UT-ID | 54 | 77/100 |
| St. George, UT | UT | 35 | 64/100 |
| Phoenix | AZ | 18 | 44/100 |

## Where This Lender Ranks

AMERICA FIRST Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Utah for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Ogden, UT Credit Unions
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Ogden, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Ogden, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Ogden, UT for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Salt Lake City for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Logan, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in St. George, UT for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Utah Credit Unions
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Utah for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Utah for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Salt Lake City Credit Unions
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Salt Lake City for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Las Vegas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/las-vegas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Las Vegas for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/las-vegas/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Provo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Logan, UT for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#4** in Nevada for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Las Vegas Credit Unions
  - [View Full Rankings](https://saferate.com/las-vegas/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Provo Credit Unions
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does AMERICA FIRST Federal Credit Union offer?

AMERICA FIRST Federal Credit Union offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICA FIRST Federal Credit Union offer mortgages?

AMERICA FIRST Federal Credit Union offers mortgages in 5 states: AZ, ID, NM, NV, UT.

### How competitive are AMERICA FIRST Federal Credit Union's mortgage rates?

AMERICA FIRST Federal Credit Union has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.039% above market average.

### What type of lender is AMERICA FIRST Federal Credit Union?

AMERICA FIRST Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Riverdale, UT.

### What is AMERICA FIRST Federal Credit Union's loan approval success rate?

AMERICA FIRST Federal Credit Union has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/america-first-federal-credit-union

### How to Cite

> "AMERICA FIRST Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/america-first-federal-credit-union

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