What loan types does AMERICA FIRST Federal Credit Union offer?

AMERICA FIRST Federal Credit Union offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does AMERICA FIRST Federal Credit Union offer mortgages?

AMERICA FIRST Federal Credit Union offers mortgages in 5 states: AZ, ID, NM, NV, UT.

How competitive are AMERICA FIRST Federal Credit Union's mortgage rates?

AMERICA FIRST Federal Credit Union has an overall pricing score of 46.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is AMERICA FIRST Federal Credit Union?

AMERICA FIRST Federal Credit Union is a Credit Union headquartered in Riverdale, UT.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Explore another lender or local market

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

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

896 loans · 0.02% above market

Strong

Top 40% of lenders

4/5

FHA

41 loans · 0.47% above market

Sound

Top 60% of lenders

3/5

13 loans · 0.32% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

455 loans · 0.10% above market

Strong

Top 40% of lenders

4/5

Refinance

501 loans · 0.02% below market

Exceptional

Top 20% of lenders

5/5

By Location· Geographic coverage

Geographic Reach

Regional · 8 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

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%Above	$1,728Fees
FHA Loans	Sound	Sound	Sound	Sound	41	4.3%	+0.472%Above	$3,419Fees
VA Loans	Sound	Sound	—	Sound	13	1.4%	-0.319%Below	$2,121Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Acceptable	455	47.6%	+0.099%Above	$2,740Fees
Refinance	Strong	Exceptional	Sound	Strong	501	52.4%	-0.017%Below	$943Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 5050–100100+None

West5

AZIDNMNVUT

Top Metro Areas by Place Specialization Score

Ogden, UTMetro

Volume 306Mix 32.01% of portfolio

92/100

Exceptional

Salt Lake City, UTMetro

Volume 209Mix 21.86% of portfolio

81/100

Exceptional

Logan, UT, UT-IDMetro

Volume 54Mix 5.65% of portfolio

77/100

Strong

Las Vegas, NVMetro

Volume 110Mix 11.51% of portfolio

71/100

Strong

Provo, UTMetro

Volume 79Mix 8.26% of portfolio

69/100

Strong

St. George, UTMetro

Volume 35Mix 3.66% of portfolio

64/100

Strong

Phoenix, AZMetro

Volume 18Mix 1.88% of portfolio

44/100

Sound

Top States by Place Specialization Score

UtahState

Volume 750Mix 78.45% of portfolio

88/100

Exceptional

NevadaState

Volume 126Mix 13.18% of portfolio

72/100

Strong

ArizonaState

Volume 42Mix 4.39% of portfolio

53/100

Sound

IdahoState

Volume 33Mix 3.45% of portfolio

52/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.