# Allied First Bank,sb

> **Canonical URL:** https://saferate.com/lenders/allied-first-banksb

> **📋 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

Allied First Bank,sb is a bank, headquartered in Oswego, IL, serving borrowers across 32 states, with 122 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 90% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XRF9LCZ3RX3Q39
- **Headquarters:** Oswego, IL
- **Geographic Reach:** Near-National
- **States Served:** 32
- **State List:** AK, AL, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, MD, MI, MN, MO, NC, NE, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Mediocre 😐
- Score: 10/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.423%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,860
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 122
- **Dollar Volume:** $40 million
- **Applications Received:** 1,072
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $330,984
- **Average Borrower Income:** $155,795

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 20/100 | 31 | +0.271% | $1,655 | Acceptable 🙂 |
| FHA | 38/100 | 23 | +0.974% | $2,658 | Acceptable 🙂 |
| VA | 48/100 | 66 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 19/100 (Mediocre)

**FHA:**
- Purchase: 22 loans, Score: 38/100 (Acceptable)

**VA:**
- Purchase: 66 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 116 | $37M | +0.433% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 36 | 0.03% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 15 | 48/100 |
| Non |  | 13 | 28/100 |
| Elgin, IL | IL | 12 | 49/100 |

## Frequently Asked Questions

### What loan types does Allied First Bank,sb offer?

Allied First Bank,sb 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 Allied First Bank,sb offer mortgages?

Allied First Bank,sb offers mortgages in 32 states: AK, AL, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, MD, MI, MN, MO, NC, NE, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI.

### How competitive are Allied First Bank,sb's mortgage rates?

Allied First Bank,sb has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.423% above market average.

### What type of lender is Allied First Bank,sb?

Allied First Bank,sb is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Oswego, IL.

### What is Allied First Bank,sb's loan approval success rate?

Allied First Bank,sb has a pull-through score of 10/100 (Mediocre). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/allied-first-banksb

### How to Cite

> "Allied First Bank,sb Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/allied-first-banksb

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