AMERICA FIRST Federal Credit Union closing costs and rates (2024)
In 2024, AMERICA FIRST Federal Credit Union originated 478 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $5,389. That is $1,352 below the national median of $6,741. AMERICA FIRST Federal Credit Union is most active in Utah with 360 originations there.
Purchase Originations
478
Median Total Costs
$5,389
−20.1% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$3,092
Median Lender Credits
$598
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 429 | 6.500% | $5,104 | $3,032 |
| fha | 36 | 6.375% | $12,466 | $3,595 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 360 | 6.500% | $5,389 | #17 |
| Nevada | 74 | 6.562% | $5,427 | #76 |
| Idaho | 22 | 6.438% | $5,206 | — |
| Arizona | 19 | 6.490% | $5,519 | — |
| New Mexico | 3 | 6.375% | $5,916 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.000% | — | 3 | −$5,389 | |
| 2 | $2,946 | 6.500% | — | 5 | −$2,443 | |
| 3 | $4,285 | 6.375% | — | 23 | −$1,104 | |
| 4 | $4,647 | 6.500% | — | 26 | −$742 | |
| 5 | $4,920 | 6.500% | — | 5 | −$469 | |
| 6 | $4,981 | 6.490% | — | 90 | −$408 | |
| 7 | $5,190 | 6.375% | — | 15 | −$199 | |
| 8 | $5,192 | 6.000% | — | 3 | −$197 | |
| 9 | $5,221 | 6.375% | — | 3 | −$168 | |
| 10 | $5,266 | 6.240% | — | 5 | −$123 | |
| 11 | $5,356 | 6.433% | — | 56 | −$33 | |
| 12 | $5,457 | 6.625% | — | 64 | +$68 | |
| 13 | $5,519 | 6.500% | — | 5 | +$130 | |
| 14 | $5,741 | 6.625% | — | 27 | +$352 | |
| 15 | $5,991 | 6.625% | — | 78 | +$602 | |
| 16 | $6,335 | 6.625% | — | 5 | +$946 | |
| 17 | $6,839 | 6.125% | — | 11 | +$1,450 | |
| 18 | $7,580 | 6.625% | — | 3 | +$2,191 | |
| 19 | $8,232 | 6.125% | — | 3 | +$2,843 | |
| 20 | $8,606 | 6.625% | — | 3 | +$3,217 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.