Amerifirst Financial, Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Amerifirst Financial, Inc. of Mesa, AZ reported 11,980 mortgage applications totaling $3.1 billion, down 12% from 2017. The average application was for $260,288, and applicants reported an average income of $97,027. 66% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (5,117), Denver-Aurora-Lakewood, CO (1,571) and San Antonio-New Braunfels, TX (606) (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 | 11,980 |
| Total Mortgage Loan Application Amount | $3,118,255,000 |
| Average Mortgage Loan Application Amount | $260,288 |
| Highest Mortgage Loan Application Amount | $2,675,000 |
| Average Applicant Income | $97,027 |
| Highest Applicant Income | $3,306,000 |
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records Amerifirst Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,117 | $ 1,102,575,000 | $ 215,472 | $ 82,000 |
| Denver-Aurora-Lakewood, CO | 1,571 | $ 551,455,000 | $ 351,021 | $ 118,000 |
| San Antonio-New Braunfels, TX | 606 | $ 113,435,000 | $ 187,186 | $ 87,000 |
| Riverside-San Bernardino-Ontario, CA | 591 | $ 152,155,000 | $ 257,453 | $ 97,000 |
| Outside any metro area | 531 | $ 100,825,000 | $ 189,877 | $ 94,118 |
| Yuma, AZ | 435 | $ 64,275,000 | $ 147,758 | $ 57,000 |
| Las Vegas-Henderson-Paradise, NV | 412 | $ 88,820,000 | $ 215,582 | $ 68,000 |
| Anaheim-Santa Ana-Irvine, CA | 214 | $ 129,630,000 | $ 605,747 | $ 204,000 |
| Los Angeles-Long Beach-Glendale, CA | 207 | $ 103,815,000 | $ 501,521 | $ 165,000 |
| San Diego-Carlsbad, CA | 202 | $ 101,980,000 | $ 504,851 | $ 143,000 |
| Greeley, CO | 195 | $ 51,965,000 | $ 266,487 | $ 85,000 |
| Prescott, AZ | 163 | $ 35,315,000 | $ 216,656 | $ 100,000 |
| Stockton-Lodi, CA | 128 | $ 52,350,000 | $ 408,984 | $ 131,000 |
| Fort Collins, CO | 115 | $ 34,925,000 | $ 303,695 | $ 99,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 109 | $ 54,585,000 | $ 500,779 | $ 182,000 |
| Vallejo-Fairfield, CA | 104 | $ 32,220,000 | $ 309,807 | $ 95,000 |
| Austin-Round Rock, TX | 84 | $ 24,940,000 | $ 296,904 | $ 175,000 |
| Dallas-Plano-Irving, TX | 81 | $ 21,895,000 | $ 270,308 | $ 145,000 |
| Tampa-St. Petersburg-Clearwater, FL | 80 | $ 13,870,000 | $ 173,375 | $ 86,000 |
| Oakland-Hayward-Berkeley, CA | 68 | $ 28,940,000 | $ 425,588 | $ 136,000 |
| Santa Rosa, CA | 62 | $ 25,490,000 | $ 411,129 | $ 110,000 |
| Modesto, CA | 54 | $ 14,180,000 | $ 262,592 | $ 108,000 |
| Redding, CA | 53 | $ 14,835,000 | $ 279,905 | $ 123,000 |
| Tucson, AZ | 46 | $ 7,860,000 | $ 170,869 | $ 80,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 44 | $ 11,110,000 | $ 252,500 | $ 86,000 |
| Colorado Springs, CO | 43 | $ 10,515,000 | $ 244,534 | $ 85,000 |
| Flagstaff, AZ | 41 | $ 11,115,000 | $ 271,097 | $ 128,000 |
| Reno, NV | 37 | $ 10,005,000 | $ 270,405 | $ 106,000 |
| Napa, CA | 35 | $ 15,285,000 | $ 436,714 | $ 156,000 |
| Boulder, CO | 34 | $ 14,570,000 | $ 428,529 | $ 138,000 |
| Houston-The Woodlands-Sugar Land, TX | 32 | $ 7,900,000 | $ 246,875 | $ 105,000 |
| Lake Havasu City-Kingman, AZ | 29 | $ 4,825,000 | $ 166,379 | $ 66,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 7,215,000 | $ 248,793 | $ 94,000 |
| Provo-Orem, UT | 24 | $ 5,500,000 | $ 229,166 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 3,645,000 | $ 158,478 | $ 128,000 |
| Merced, CA | 21 | $ 4,295,000 | $ 204,523 | $ 75,000 |
| Clarksville, TN-KY | 20 | $ 1,980,000 | $ 99,000 | $ 103,900 |
| San Francisco-Redwood City-South San Francisco, CA | 18 | $ 12,270,000 | $ 681,666 | $ 254,000 |
| San Rafael, CA | 14 | $ 7,220,000 | $ 515,714 | $ 146,000 |
| Fort Worth-Arlington, TX | 13 | $ 2,435,000 | $ 187,307 | $ 201,000 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 1,325,000 | $ 101,923 | $ 145,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 7,565,000 | $ 581,923 | $ 123,000 |
| Bakersfield, CA | 12 | $ 2,580,000 | $ 215,000 | $ 140,000 |
| Knoxville, TN | 12 | $ 2,470,000 | $ 205,833 | $ 64,000 |
| Midland, TX | 12 | $ 3,140,000 | $ 261,666 | $ 102,000 |
| Milwaukee-Waukesha-West Allis, WI | 11 | $ 965,000 | $ 87,727 | $ 184,000 |
| Salt Lake City, UT | 11 | $ 3,035,000 | $ 275,909 | $ 95,000 |
| Sierra Vista-Douglas, AZ | 10 | $ 1,310,000 | $ 131,000 | $ 81,000 |
| Bend-Redmond, OR | 9 | $ 2,505,000 | $ 278,333 | $ 141,000 |
| Grand Junction, CO | 9 | $ 1,435,000 | $ 159,444 | $ 51,000 |
| Pueblo, CO | 9 | $ 1,565,000 | $ 173,888 | $ 73,000 |
| Boise City, ID | 8 | $ 1,860,000 | $ 232,500 | $ 97,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,180,000 | $ 147,500 | $ 61,000 |
| Enid, OK | 7 | $ 1,085,000 | $ 155,000 | $ 62,000 |
| Memphis, TN-MS-AR | 6 | $ 850,000 | $ 141,666 | $ 82,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 740,000 | $ 123,333 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,575,000 | $ 315,000 | $ 417,000 |
| Corpus Christi, TX | 5 | $ 615,000 | $ 123,000 | $ 70,000 |
| El Paso, TX | 5 | $ 1,045,000 | $ 209,000 | $ 85,000 |
| Fresno, CA | 5 | $ 1,175,000 | $ 235,000 | $ 67,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 865,000 | $ 173,000 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 2,385,000 | $ 477,000 | $ 160,000 |
| Cincinnati, OH-KY-IN | 4 | $ 500,000 | $ 125,000 | $ 50,000 |
| Coeur D'Alene, ID | 4 | $ 1,140,000 | $ 285,000 | $ 91,000 |
| Jackson, TN | 4 | $ 290,000 | $ 72,500 | $ 119,000 |
| Jacksonville, FL | 4 | $ 760,000 | $ 190,000 | $ 70,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,060,000 | $ 265,000 | $ 113,000 |
| Spokane-Spokane Valley, WA | 4 | $ 980,000 | $ 245,000 | $ 84,000 |
| Yuba City, CA | 4 | $ 400,000 | $ 100,000 | $ 90,000 |
| Brownsville-Harlingen, TX | 3 | $ 645,000 | $ 215,000 | $ 170,000 |
| Chico, CA | 3 | $ 665,000 | $ 221,666 | $ 55,000 |
| College Station-Bryan, TX | 3 | $ 385,000 | $ 128,333 | $ 91,000 |
| El Centro, CA | 3 | $ 575,000 | $ 191,666 | $ 57,000 |
| Killeen-Temple, TX | 3 | $ 605,000 | $ 201,666 | $ 87,000 |
| Medford, OR | 3 | $ 375,000 | $ 125,000 | $ 123,000 |
| Ogden-Clearfield, UT | 3 | $ 475,000 | $ 158,333 | $ 57,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,005,000 | $ 335,000 | $ 307,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,195,000 | $ 398,333 | $ 84,000 |
| Tacoma-Lakewood, WA | 3 | $ 825,000 | $ 275,000 | $ 176,000 |
| Albuquerque, NM | 2 | $ 730,000 | $ 365,000 | $ 112,000 |
| Cheyenne, WY | 2 | $ 520,000 | $ 260,000 | $ 91,000 |
| Homosassa Springs, FL | 2 | $ 190,000 | $ 95,000 | $ 52,000 |
| Madera, CA | 2 | $ 520,000 | $ 260,000 | $ 90,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 290,000 | $ 145,000 | $ 84,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 390,000 | $ 195,000 | $ 84,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 660,000 | $ 330,000 | $ 101,000 |
| Port St. Lucie, FL | 2 | $ 350,000 | $ 175,000 | $ 112,000 |
| Salinas, CA | 2 | $ 800,000 | $ 400,000 | $ 89,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 760,000 | $ 380,000 | $ 98,000 |
| Visalia-Porterville, CA | 2 | $ 460,000 | $ 230,000 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 2,260,000 | $ 1,130,000 | $ 614,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 230,000 | $ 115,000 | $ 43,000 |
| Albany, OR | 1 | $ 145,000 | $ 145,000 | $ 173,000 |
| Bellingham, WA | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 285,000 | $ 285,000 | $ 24,000 |
| Cleveland-Elyria, OH | 1 | $ 75,000 | $ 75,000 | $ 283,000 |
| Columbus, OH | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Grants Pass, OR | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 25,000 | $ 25,000 | $ 168,000 |
| Hanford-Corcoran, CA | 1 | $ 395,000 | $ 395,000 | $ 143,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Idaho Falls, ID | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Kennewick-Richland, WA | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Odessa, TX | 1 | $ 235,000 | $ 235,000 | $ 107,000 |
| Oklahoma City, OK | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Oshkosh-Neenah, WI | 1 | $ 95,000 | $ 95,000 | $ 63,000 |
| Panama City, FL | 1 | $ 135,000 | $ 135,000 | $ 137,000 |
| Pocatello, ID | 1 | $ 375,000 | $ 375,000 | $ 69,000 |
| Salem, OR | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
| St. George, UT | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| Tulsa, OK | 1 | $ 215,000 | $ 215,000 | $ 65,000 |
| Waco, TX | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Yakima, WA | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Amerifirst Financial, Inc. in 2018
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 | 9,731 | $2,488,780,000 | $255,000 | $2,675,000 | $96,000 | $3,306,000 |
| Refinancing | 1,517 | $432,775,000 | $285,000 | $1,645,000 | $107,000 | $2,000,000 |
| Cash-out Refinancing | 728 | $196,060,000 | $269,000 | $2,605,000 | $90,000 | $2,090,000 |
| Home Improvement | 3 | $625,000 | $208,000 | $255,000 | $57,000 | $95,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $203,000 | $203,000 |
| Not Applicable | 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 | 6,905 | $1,924,665,000 | $278,000 | $2,675,000 | $108,000 | $3,306,000 |
| Hispanic | 2,872 | $582,235,000 | $202,000 | $2,055,000 | $69,000 | $2,090,000 |
| Not Provided | 1,005 | $289,065,000 | $287,000 | $2,405,000 | $102,000 | $832,000 |
| Black or African American | 603 | $136,805,000 | $226,000 | $1,525,000 | $90,000 | $2,712,000 |
| Asian | 461 | $150,425,000 | $326,000 | $2,605,000 | $119,000 | $571,000 |
| American Indian or Alaskan Native | 73 | $16,775,000 | $229,000 | $905,000 | $99,000 | $567,000 |
| Native Hawaiian or Other Pacific Islander | 51 | $13,225,000 | $259,000 | $735,000 | $88,000 | $258,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 8,270 | $2,214,390,000 | $267,000 | $2,675,000 | $109,000 | $3,306,000 |
| FHA-insured (Federal Housing Administration) | 2,686 | $609,065,000 | $226,000 | $2,055,000 | $69,000 | $2,000,000 |
| VA-guaranteed (Veterans Administration) | 860 | $267,470,000 | $311,000 | $2,405,000 | $87,000 | $383,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 164 | $27,330,000 | $166,000 | $475,000 | $52,000 | $117,000 |
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 | 7,954 | $1,995,410,000 | $250,000 | $2,525,000 | $94,000 | $2,926,000 |
| Application Withdrawn By Applicant | 2,718 | $773,145,000 | $284,000 | $2,405,000 | $109,000 | $3,306,000 |
| Application Approved But Not Accepted | 625 | $173,015,000 | $276,000 | $1,955,000 | $98,000 | $1,034,000 |
| Application Denied By Financial Institution | 409 | $97,915,000 | $239,000 | $2,675,000 | $83,000 | $873,000 |
| File Closed For Incompleteness | 274 | $78,770,000 | $287,000 | $2,605,000 | $108,000 | $632,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 11,571 | $3,020,340,000 | $261,000 | $2,605,000 | $98,000 | $3,306,000 |
| Other | 159 | $39,825,000 | $250,000 | $2,675,000 | $85,000 | $728,000 |
| Credit History | 72 | $17,590,000 | $244,000 | $1,295,000 | $83,000 | $540,000 |
| Debt-To-Income Ratio | 67 | $17,225,000 | $257,000 | $1,605,000 | $77,000 | $699,000 |
| Collateral | 52 | $9,440,000 | $181,000 | $1,235,000 | $84,000 | $430,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 32 | $6,830,000 | $213,000 | $905,000 | $70,000 | $300,000 |
| Unverifiable Information | 13 | $4,395,000 | $338,000 | $1,435,000 | $155,000 | $873,000 |
| Employment History | 9 | $1,615,000 | $179,000 | $295,000 | $52,000 | $88,000 |
| Credit Application Incomplete | 5 | $995,000 | $199,000 | $385,000 | $73,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Amerifirst Financial, Inc.'s 2018 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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