Advantagefirst Lending Inc. mortgage approval rate & lending review
Advantagefirst Lending Inc. decided 5,186 mortgage applications and funded 3,405 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Advantagefirst Lending Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to advantage1st.com.
Advantagefirst Lending Inc. at a glance
Approval is 3.1 points below the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 65% | 36 / 55 | 100% | $265K | 36 |
| Cash-out refinance | 66% | 3,146 / 4,756 | 100% | $295K | 3,146 |
| Refinance | 59% | 184 / 312 | 100% | $265K | 184 |
| Investment cash-out refinance | 43% | 16 / 37 | 100% | $185K | 16 |
Advantagefirst Lending Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 63% | $375K | 781 | 492 |
| Florida | 61% | $285K | 705 | 431 |
| North Carolina | 66% | $275K | 411 | 273 |
| Arizona | 70% | $335K | 355 | 250 |
| Georgia | 64% | $285K | 329 | 212 |
| Pennsylvania | 68% | $245K | 309 | 210 |
| Ohio | 63% | $235K | 293 | 184 |
| New Jersey | 73% | $305K | 253 | 185 |
| South Carolina | 70% | $295K | 192 | 135 |
| Michigan | 70% | $245K | 189 | 132 |
| Tennessee | 69% | $295K | 183 | 127 |
| Maryland | 67% | $325K | 182 | 122 |
| Colorado | 70% | $345K | 158 | 111 |
| Alabama | 69% | $305K | 137 | 94 |
| Wisconsin | 64% | $245K | 135 | 87 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Advantagefirst Lending Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Cash-out refinance | 71% | 174 | 123 |
| Riverside County, CA | Cash-out refinance | 68% | 105 | 71 |
| Prince George's County, MD | Cash-out refinance | 76% | 50 | 38 |
| Pima County, AZ | Cash-out refinance | 64% | 55 | 35 |
| Sacramento County, CA | Cash-out refinance | 76% | 46 | 35 |
| Mecklenburg County, NC | Cash-out refinance | 64% | 50 | 32 |
| Franklin County, OH | Cash-out refinance | 70% | 43 | 30 |
| Pinal County, AZ | Cash-out refinance | 76% | 37 | 28 |
| Fresno County, CA | Cash-out refinance | 77% | 35 | 27 |
| Wake County, NC | Cash-out refinance | 77% | 35 | 27 |
| El Paso County, CO | Cash-out refinance | 68% | 37 | 25 |
| Duval County, FL | Cash-out refinance | 76% | 33 | 25 |
The county markets where Advantagefirst Lending Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Advantagefirst Lending Inc.
What is Advantagefirst Lending Inc.'s mortgage approval rate?
Advantagefirst Lending Inc. approved 65.7% of the 5,186 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.1 points below the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan Advantagefirst Lending Inc. offers?
Borrowers accepted 100% of the loans Advantagefirst Lending Inc. approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Advantagefirst Lending Inc. make?
The typical cash-out refinance loan Advantagefirst Lending Inc. made was $295K; across all loan types its typical loan ran from $185K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Advantagefirst Lending Inc. lend?
Advantagefirst Lending Inc. decided applications in 28 of the states Fat Boy Data covers, most of them in California, Florida and North Carolina.
Can I apply to Advantagefirst Lending Inc. directly?
Yes. Advantagefirst Lending Inc. reports as a direct lender that takes applications from borrowers. Its website is advantage1st.com.
Does this page show Advantagefirst Lending Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Advantagefirst Lending Inc. treats applications, then get a rate quote from the lender.