America's First mortgage approval rate & lending review
America's First decided 2,537 mortgage applications and funded 2,085 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions America's First reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
America's First at a glance
Approval is 15.3 points above the 67.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 261 / 270 | 98% | $175K | 257 |
| Home improvement loans | 80% | 1,363 / 1,710 | 99% | $65K | 1,349 |
| Cash-out refinance | 86% | 151 / 175 | 99% | $115K | 150 |
| Refinance | 87% | 321 / 369 | 98% | $75K | 316 |
America's First lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 83% | $65K | 2,536 | 2,084 |
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 America's First lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, AL | Home improvement loans | 77% | 1,202 | 920 |
| Shelby County, AL | Home improvement loans | 84% | 340 | 281 |
| Jefferson County, AL | Refinance | 85% | 232 | 194 |
| Jefferson County, AL | Mortgage lenders | 95% | 159 | 148 |
| Jefferson County, AL | Cash-out refinance | 80% | 111 | 88 |
| Shelby County, AL | Refinance | 92% | 87 | 78 |
| Shelby County, AL | Mortgage lenders | 98% | 63 | 61 |
| Mobile County, AL | Home improvement loans | 98% | 52 | 51 |
| Calhoun County, AL | Home improvement loans | 80% | 49 | 39 |
| Tuscaloosa County, AL | Home improvement loans | 85% | 33 | 27 |
| Shelby County, AL | Cash-out refinance | 96% | 27 | 26 |
| Mobile County, AL | Refinance | 95% | 21 | 20 |
The county markets where America's First made the most loans. Each link opens that market with every lender ranked.
Questions about America's First
What is America's First's mortgage approval rate?
America's First approved 83.1% of the 2,537 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 67.8% national rate for the same mix of loan types.
How often do borrowers take the loan America's First offers?
Borrowers accepted 99% of the loans America's First approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does America's First make?
The typical home improvement loan loan America's First made was $65K; across all loan types its typical loan ran from $65K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does America's First lend?
America's First decided applications in 2 of the states Fat Boy Data covers, most of them in Alabama and Florida.
Can I apply to America's First directly?
Yes. America's First is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show America's First'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 America's First treats applications, then get a rate quote from the lender.