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AMERICA FIRST Federal Credit Union

Credit Union•Riverdale, UTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from AMERICA FIRST Federal Credit Union — 956 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 7 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

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Report Card

AMERICA FIRST Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+3.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 8 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume896
Mix93.7%
Spread
+0.024%Above
Fees
$1,728Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume41
Mix4.3%
Spread
+0.472%Above
Fees
$3,419Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume13
Mix1.4%
Spread
-0.319%Below
Fees
$2,121Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Acceptable
Volume455
Mix47.6%
Spread
+0.099%Above
Fees
$2,740Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume501
Mix52.4%
Spread
-0.017%Below
Fees
$943Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
956
Applications
1,980
Volume
$252 million
Pricing & Closing
Avg Rate Spread
+0.039%
vs. market APOR
Avg Net Fees
$1,814
Origination − Credits
Pullthrough Rate
48.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$264,111
Avg Borrower Income
$121,634
Avg Property Value
$527,615

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West5
AZIDNMNVUT

Top Metro Areas by Place Specialization Score

1© Ntsimp · Public domain
Ogden, UTMetro
Volume 306Mix 32.01% of portfolio
92/100
Exceptional
2© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 209Mix 21.86% of portfolio
81/100
Exceptional
3© Michael Gordon · CC BY 3.0
Logan, UT, UT-IDMetro
Volume 54Mix 5.65% of portfolio
77/100
Strong
4© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 110Mix 11.51% of portfolio
71/100
Strong
5© Benjam63 · CC BY-SA 4.0
Provo, UTMetro
Volume 79Mix 8.26% of portfolio
69/100
Strong
6© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 35Mix 3.66% of portfolio
64/100
Strong
7© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 18Mix 1.88% of portfolio
44/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 750Mix 78.45% of portfolio
88/100
Exceptional
Nevada
Nevada
2
NevadaState
Volume 126Mix 13.18% of portfolio
72/100
Strong
Arizona
Arizona
3
ArizonaState
Volume 42Mix 4.39% of portfolio
53/100
Sound
Idaho
Idaho
4
IdahoState
Volume 33Mix 3.45% of portfolio
52/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.