Amerifirst Financial, Inc. Mortgage Lending & HMDA Data, 2017
In 2017, Amerifirst Financial, Inc. of Mesa, AZ reported 13,688 mortgage applications totaling $3.2 billion, up 34% from 2016. The average application was for $230,465, and applicants reported an average income of $91,319. 67% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (6,905), Denver-Aurora-Lakewood, CO (1,055) and Riverside-San Bernardino-Ontario, CA (1,038) (applications in parentheses).
| Mortgage Company & Address | Amerifirst Financial, Inc. 1550 E. McKellips Rd, Suite 117 Mesa, AZ 85203 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 13,688 |
| Total Mortgage Loan Application Amount | $3,154,607,000 |
| Average Mortgage Loan Application Amount | $230,465 |
| Highest Mortgage Loan Application Amount | $2,925,000 |
| Average Applicant Income | $91,319 |
| Highest Applicant Income | $5,386,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amerifirst Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 6,905 | $ 1,268,667,000 | $ 183,731 | $ 76,000 |
| Denver-Aurora-Lakewood, CO | 1,055 | $ 346,711,000 | $ 328,636 | $ 119,000 |
| Riverside-San Bernardino-Ontario, CA | 1,038 | $ 253,964,000 | $ 244,666 | $ 90,000 |
| Yuma, AZ | 473 | $ 61,876,000 | $ 130,816 | $ 50,000 |
| San Antonio-New Braunfels, TX | 420 | $ 73,408,000 | $ 174,780 | $ 91,000 |
| Las Vegas-Henderson-Paradise, NV | 409 | $ 83,314,000 | $ 203,701 | $ 80,000 |
| San Diego-Carlsbad, CA | 344 | $ 157,889,000 | $ 458,979 | $ 160,000 |
| Los Angeles-Long Beach-Glendale, CA | 314 | $ 133,500,000 | $ 425,159 | $ 133,000 |
| Anaheim-Santa Ana-Irvine, CA | 277 | $ 153,536,000 | $ 554,281 | $ 179,000 |
| Prescott, AZ | 251 | $ 51,083,000 | $ 203,517 | $ 80,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 132 | $ 25,541,000 | $ 193,492 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 126 | $ 59,310,000 | $ 470,714 | $ 163,000 |
| Austin-Round Rock, TX | 120 | $ 31,330,000 | $ 261,083 | $ 115,000 |
| Oakland-Hayward-Berkeley, CA | 116 | $ 48,886,000 | $ 421,431 | $ 124,000 |
| Dallas-Plano-Irving, TX | 113 | $ 27,049,000 | $ 239,371 | $ 133,000 |
| Vallejo-Fairfield, CA | 108 | $ 36,033,000 | $ 333,638 | $ 122,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 62 | $ 25,105,000 | $ 404,919 | $ 132,000 |
| Stockton-Lodi, CA | 62 | $ 20,928,000 | $ 337,548 | $ 158,000 |
| Tucson, AZ | 58 | $ 10,572,000 | $ 182,275 | $ 73,000 |
| Provo-Orem, UT | 43 | $ 9,269,000 | $ 215,558 | $ 85,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 43 | $ 24,015,000 | $ 558,488 | $ 159,000 |
| Bakersfield, CA | 42 | $ 6,605,000 | $ 157,261 | $ 83,000 |
| Greeley, CO | 42 | $ 10,932,000 | $ 260,285 | $ 99,000 |
| Flagstaff, AZ | 40 | $ 8,747,000 | $ 218,675 | $ 122,000 |
| Fort Worth-Arlington, TX | 38 | $ 6,028,000 | $ 158,631 | $ 105,000 |
| Boulder, CO | 37 | $ 16,459,000 | $ 444,837 | $ 177,000 |
| Colorado Springs, CO | 35 | $ 7,638,000 | $ 218,228 | $ 78,000 |
| Modesto, CA | 35 | $ 8,712,000 | $ 248,914 | $ 99,000 |
| Redding, CA | 35 | $ 7,774,000 | $ 222,114 | $ 96,000 |
| Corpus Christi, TX | 29 | $ 4,509,000 | $ 155,482 | $ 114,000 |
| Lake Havasu City-Kingman, AZ | 28 | $ 4,484,000 | $ 160,142 | $ 86,000 |
| Clarksville, TN-KY | 25 | $ 2,010,000 | $ 80,400 | $ 120,640 |
| Houston-The Woodlands-Sugar Land, TX | 21 | $ 4,577,000 | $ 217,952 | $ 110,000 |
| San Francisco-Redwood City-South San Francisco, CA | 21 | $ 11,446,000 | $ 545,047 | $ 200,000 |
| Fort Collins, CO | 20 | $ 6,503,000 | $ 325,150 | $ 119,000 |
| Memphis, TN-MS-AR | 18 | $ 1,894,000 | $ 105,222 | $ 98,000 |
| Santa Rosa, CA | 16 | $ 6,904,000 | $ 431,500 | $ 132,000 |
| Tampa-St. Petersburg-Clearwater, FL | 16 | $ 2,561,000 | $ 160,062 | $ 72,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 2,756,000 | $ 183,733 | $ 151,000 |
| McAllen-Edinburg-Mission, TX | 13 | $ 2,079,000 | $ 159,923 | $ 80,000 |
| Salt Lake City, UT | 13 | $ 3,467,000 | $ 266,692 | $ 106,000 |
| Tacoma-Lakewood, WA | 13 | $ 3,257,000 | $ 250,538 | $ 104,000 |
| Fresno, CA | 12 | $ 2,295,000 | $ 191,250 | $ 74,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 1,371,000 | $ 114,250 | $ 146,000 |
| Lakeland-Winter Haven, FL | 11 | $ 1,924,000 | $ 174,909 | $ 137,000 |
| Cincinnati, OH-KY-IN | 8 | $ 983,000 | $ 122,875 | $ 73,000 |
| Midland, TX | 8 | $ 1,377,000 | $ 172,125 | $ 92,000 |
| Napa, CA | 8 | $ 3,294,000 | $ 411,750 | $ 111,000 |
| Santa Maria-Santa Barbara, CA | 8 | $ 2,730,000 | $ 341,250 | $ 118,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 1,908,000 | $ 238,500 | $ 73,000 |
| Sierra Vista-Douglas, AZ | 8 | $ 1,390,000 | $ 173,750 | $ 75,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 1,102,000 | $ 157,428 | $ 76,000 |
| Amarillo, TX | 6 | $ 740,000 | $ 123,333 | $ 60,000 |
| Knoxville, TN | 6 | $ 1,127,000 | $ 187,833 | $ 49,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 862,000 | $ 143,666 | $ 68,000 |
| Merced, CA | 5 | $ 685,000 | $ 137,000 | $ 55,000 |
| St. George, UT | 5 | $ 1,353,000 | $ 270,600 | $ 99,000 |
| Boise City, ID | 4 | $ 736,000 | $ 184,000 | $ 287,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,040,000 | $ 260,000 | $ 118,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,471,000 | $ 367,750 | $ 117,000 |
| San Rafael, CA | 4 | $ 2,077,000 | $ 519,250 | $ 112,000 |
| Spokane-Spokane Valley, WA | 4 | $ 472,000 | $ 118,000 | $ 53,000 |
| Brownsville-Harlingen, TX | 3 | $ 783,000 | $ 261,000 | $ 157,000 |
| College Station-Bryan, TX | 3 | $ 474,000 | $ 158,000 | $ 63,000 |
| Medford, OR | 3 | $ 478,000 | $ 159,333 | $ 113,000 |
| Olympia-Tumwater, WA | 3 | $ 928,000 | $ 309,333 | $ 77,000 |
| Reno, NV | 3 | $ 1,048,000 | $ 349,333 | $ 102,000 |
| Chico, CA | 2 | $ 414,000 | $ 207,000 | $ 61,000 |
| El Paso, TX | 2 | $ 270,000 | $ 135,000 | $ 119,000 |
| Killeen-Temple, TX | 2 | $ 310,000 | $ 155,000 | $ 101,000 |
| Logan, UT-ID | 2 | $ 395,000 | $ 197,500 | $ 75,000 |
| Mansfield, OH | 2 | $ 287,000 | $ 143,500 | $ 62,000 |
| Panama City, FL | 2 | $ 420,000 | $ 210,000 | $ 114,000 |
| Salinas, CA | 2 | $ 1,106,000 | $ 553,000 | $ 175,000 |
| Abilene, TX | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Dayton, OH | 1 | $ 133,000 | $ 133,000 | $ 84,000 |
| El Centro, CA | 1 | $ 251,000 | $ 251,000 | $ 139,000 |
| Eugene, OR | 1 | $ 336,000 | $ 336,000 | $ 145,000 |
| Grand Junction, CO | 1 | $ 137,000 | $ 137,000 | $ 35,000 |
| Jackson, TN | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Jacksonville, FL | 1 | $ 148,000 | $ 148,000 | $ 165,000 |
| Longview, TX | 1 | $ 319,000 | $ 319,000 | $ 173,000 |
| Lubbock, TX | 1 | $ 197,000 | $ 197,000 | $ 105,000 |
| Madera, CA | 1 | $ 217,000 | $ 217,000 | $ 120,000 |
| Odessa, TX | 1 | $ 217,000 | $ 217,000 | $ 75,000 |
| Ogden-Clearfield, UT | 1 | $ 240,000 | $ 240,000 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 225,000 | $ 225,000 | $ 186,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 225,000 | $ 225,000 | $ 151,000 |
| Pueblo, CO | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| Salem, OR | 1 | $ 280,000 | $ 280,000 | $ 74,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 540,000 | $ 540,000 | $ 91,000 |
| Sherman-Denison, TX | 1 | $ 100,000 | $ 100,000 | $ 136,000 |
| Tyler, TX | 1 | $ 269,000 | $ 269,000 | $ 109,000 |
| Visalia-Porterville, CA | 1 | $ 375,000 | $ 375,000 | $ 364,000 |
| Yakima, WA | 1 | $ 174,000 | $ 174,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Amerifirst Financial, Inc. in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 10,576 | $2,309,561,000 | $218,000 | $2,925,000 | $87,000 | $3,861,000 |
| Refinancing | 3,112 | $845,046,000 | $271,000 | $2,650,000 | $106,000 | $5,386,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,402 | $1,873,008,000 | $253,000 | $2,925,000 | $101,000 | $3,861,000 |
| Hispanic | 3,675 | $638,776,000 | $173,000 | $1,474,000 | $66,000 | $910,000 |
| Not Provided | 1,269 | $326,637,000 | $257,000 | $2,650,000 | $104,000 | $1,596,000 |
| Black or African American | 736 | $148,752,000 | $202,000 | $2,170,000 | $77,000 | $1,343,000 |
| Asian | 461 | $136,171,000 | $295,000 | $1,312,000 | $125,000 | $5,386,000 |
| Native Hawaiian or Other Pacific Islander | 72 | $18,808,000 | $261,000 | $1,658,000 | $94,000 | $407,000 |
| American Indian or Alaskan Native | 71 | $11,905,000 | $167,000 | $493,000 | $67,000 | $305,000 |
| Not applicable | 2 | $550,000 | $275,000 | $292,000 | $66,000 | $67,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,746 | $2,045,856,000 | $233,000 | $2,925,000 | $103,000 | $5,386,000 |
| FHA-insured (Federal Housing Administration) | 3,857 | $816,857,000 | $211,000 | $815,000 | $67,000 | $3,861,000 |
| VA-guaranteed (Veterans Administration) | 896 | $263,190,000 | $293,000 | $1,045,000 | $85,000 | $513,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 189 | $28,704,000 | $151,000 | $342,000 | $48,000 | $106,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 9,191 | $2,066,548,000 | $224,000 | $2,640,000 | $89,000 | $3,861,000 |
| Application Withdrawn By Applicant | 3,347 | $829,281,000 | $247,000 | $2,925,000 | $100,000 | $5,386,000 |
| Application Denied By Financial Institution | 569 | $118,524,000 | $208,000 | $2,170,000 | $79,000 | $842,000 |
| Application Approved But Not Accepted | 470 | $113,217,000 | $240,000 | $2,400,000 | $96,000 | $1,630,000 |
| File Closed For Incompleteness | 111 | $27,037,000 | $243,000 | $1,062,000 | $91,000 | $571,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amerifirst Financial, Inc.'s 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Amerifirst Financial, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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