# AMERICA'S FIRST

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

> **📋 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'S FIRST is a credit union, headquartered in Birmingham, AL, with 149 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 62% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ERL4SV8MDO3P56
- **Headquarters:** Birmingham, AL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AL
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.168%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,044
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 149
- **Dollar Volume:** $35 million
- **Applications Received:** 196
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $235,872
- **Average Borrower Income:** $108,376

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 148 | +0.168% | $3,044 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 102 loans, Score: 42/100 (Sound)
- Refinance: 46 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 102 | $23M | +0.205% | Sound ☺️ |
| Refinance | 51/100 | 47 | $13M | +0.085% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AL | 149 | 0.25% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Birmingham, AL | AL | 99 | 82/100 |
| Non |  | 27 | 39/100 |

## Frequently Asked Questions

### What loan types does AMERICA'S FIRST offer?

AMERICA'S FIRST offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICA'S FIRST offer mortgages?

AMERICA'S FIRST offers mortgages in 1 states: AL.

### How competitive are AMERICA'S FIRST's mortgage rates?

AMERICA'S FIRST has a pricing score of 38/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.168% above market average.

### What type of lender is AMERICA'S FIRST?

AMERICA'S FIRST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Birmingham, AL.

### What is AMERICA'S FIRST's loan approval success rate?

AMERICA'S FIRST has a pull-through score of 59/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/americas-first

### How to Cite

> "AMERICA'S FIRST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/americas-first

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