Lender profile · HMDA 2023–2025
America's First mortgage approval rates & lending data
America's First decided 2,537 mortgage applications and funded 2,085 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.