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AMERICA FIRST Federal Credit Union
Credit Union|Riverdale, UT|Regional
Loans Originated
956
Applications
1,980
Volume
$252 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.039%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,814
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
48.3%
Percentage of applications that result in closed loans
Report Card
AMERICA FIRST Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Regional · 8 metro areas · 5 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$264,111
Average Borrower Income
$121,634
Average Property Value
$527,615
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 896 | 93.7% | +0.024% | $1,728 |
FHA Loans | Sound | Sound | Sound | Sound | 41 | 4.3% | +0.472% | $3,419 |
VA Loans | Sound | Sound | N/A | Sound | 13 | 1.4% | -0.319% | $2,121 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Acceptable | 455 | 47.6% | +0.099% | $2,740 |
Refinance | Strong | Exceptional | Sound | Strong | 501 | 52.4% | -0.017% | $943 |
Geographic Coverage
Metro Areas
7
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZIDNMNVUT
Top Metro Areas by Place Specialization Score
1
Ogden, UT, UTMSA
Volume: 306Mix: 32.01%
Place Specialization
Exceptional
2
Salt Lake City, UTMSA
Volume: 209Mix: 21.86%
Place Specialization
Exceptional
3
Logan, UT, UT-IDMSA
Volume: 54Mix: 5.65%
Place Specialization
Strong
4
Las Vegas, NVMSA
Volume: 110Mix: 11.51%
Place Specialization
Strong
5
Provo, UTMSA
Volume: 79Mix: 8.26%
Place Specialization
Strong
6
St. George, UT, UTMSA
Volume: 35Mix: 3.66%
Place Specialization
Strong
7
Phoenix, AZMSA
Volume: 18Mix: 1.88%
Place Specialization
Sound
Top States by Place Specialization Score
1
UTState
Volume: 750Mix: 78.45%
Place Specialization
Exceptional
2
NVState
Volume: 126Mix: 13.18%
Place Specialization
Strong
3
AZState
Volume: 42Mix: 4.39%
Place Specialization
Sound
4
IDState
Volume: 33Mix: 3.45%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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