# Consumer First Mortgage, Inc.

> **Canonical URL:** https://saferate.com/lenders/consumer-first-mortgage


> **📋 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


Consumer First Mortgage, Inc. is a independent mortgage company, headquartered in NORTHPORT, AL, serving borrowers across 3 states, with 166 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XHEKTWE48VS407
- **Headquarters:** NORTHPORT, AL
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AL, FL, TN
- **Markets (MSAs):** 5
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.494%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,348
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 166
- **Dollar Volume:** $38 million
- **Applications Received:** 254
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,831
- **Average Borrower Income:** $94,639
- **Average Property Value:** $283,494

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 69 | +0.324% | $3,654 | Acceptable 🙂 |
| FHA | 66/100 | 74 | +0.686% | $3,200 | Strong 😀 |
| USDA | 72/100 | 15 | +0.524% | $2,661 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 42 loans, Score: 25/100 (Acceptable)
- Refinance: 27 loans, Score: 38/100 (Acceptable)

**FHA:**
- Purchase: 66 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 131 | $29M | +0.516% | Sound ☺️ |
| Refinance | 39/100 | 35 | $9M | +0.388% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 153 | 0.26% | 78/100 |
| TN | 10 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 64 | 52/100 |
| Florence | AL | 17 | 55/100 |
| Birmingham, AL | AL | 15 | 51/100 |
| Montgomery, AL | AL | 14 | 52/100 |
| Decatur, AL | AL | 11 | 49/100 |

## Where This Lender Ranks

Consumer First Mortgage, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in Florence for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Decatur, AL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/decatur-al/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Florence for FHA Loans
  - [View Full Rankings](https://saferate.com/florence/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Consumer First Mortgage, Inc. offer?

Consumer First Mortgage, Inc. offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Consumer First Mortgage, Inc. offer mortgages?

Consumer First Mortgage, Inc. offers mortgages in 3 states: AL, FL, TN.

### How competitive are Consumer First Mortgage, Inc.'s mortgage rates?

Consumer First Mortgage, Inc. has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.494% above market average.

### What type of lender is Consumer First Mortgage, Inc.?

Consumer First Mortgage, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in NORTHPORT, AL.

### What is Consumer First Mortgage, Inc.'s loan approval success rate?

Consumer First Mortgage, Inc. has a pull-through score of 50/100 (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/consumer-first-mortgage

### How to Cite

> "Consumer First Mortgage, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/consumer-first-mortgage

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