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Consumer First Mortgage

Independent Mortgage Company•Northport, ALHQ•Wholesale•Reviews near you on Google

Consumer First Mortgage has 166 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · USDA
Place
Sound
3/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and USDA loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Consumer First Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+49.4 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
69 loans · 0.32% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
74 loans · 0.69% above market
Strong
Top 40% of lenders
4/5
USDA
15 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
131 loans · 0.52% above market
Sound
Top 60% of lenders
3/5
Refinance
35 loans · 0.39% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume69
Mix41.6%
Spread
+0.324%Above
Fees
$3,654Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume74
Mix44.6%
Spread
+0.686%Above
Fees
$3,200Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume15
Mix9.0%
Spread
+0.524%Above
Fees
$2,661Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume131
Mix78.9%
Spread
+0.516%Above
Fees
$3,216Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume35
Mix21.1%
Spread
+0.388%Above
Fees
$3,973Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
166
Applications
254
Volume
$37 million
Pricing & Closing
Avg Rate Spread
+0.494%
vs. market APOR
Avg Net Fees
$3,348
Origination − Credits
Pullthrough Rate
65.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$227,831
Avg Borrower Income
$94,639
Avg Property Value
$283,494

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

3Full-year 2024 · HMDA
3 states with loan originations
Loans originated
< 1010+None
South3
ALFLTN

Top Metro Areas by Place Specialization Score

1© themidnite (original), Yassie (derivative work) · CC BY-SA 3.0
Florence, ALMetro
Volume 17Mix 10.24% of portfolio
55/100
Sound
2© James Willamor · CC BY-SA 3.0
Montgomery, ALMetro
Volume 14Mix 8.43% of portfolio
52/100
Sound
3© Eric in SF · CC BY-SA 3.0
Birmingham, ALMetro
Volume 15Mix 9.04% of portfolio
51/100
Sound
4© Dan · CC BY 2.0
Decatur, ALMetro
Volume 11Mix 6.63% of portfolio
49/100
Sound

Top States by Place Specialization Score

Alabama
Alabama
1
AlabamaState
Volume 153Mix 92.17% of portfolio
78/100
Strong
Tennessee
Tennessee
2
TennesseeState
Volume 10Mix 6.02% of portfolio
41/100
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
Champion(80%+ = 40-50 points)
Superstar
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.