Name of the lender

AdvantageFirst Lending IncMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

AdvantageFirst Lending Inc reported 12,186 mortgage applications in the HMDA data of 2025.

It originated 4,137 loans in 2025, for $1.3 billion in total.

The median interest rate of its loans in 2025 was 6.125%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $18,448, and the national median was $6,413.

It denied 34.9% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of AdvantageFirst Lending Inc, 2025
Figure	This lender	United States
Applications	12,1860.1% of the US total	11,766,671
Loans originated	4,137$1.3 billion	6,827,891
Median interest rate	6.125%	6.375%
Median total loan costs	$18,448	$6,413
Denial rate	34.9%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of AdvantageFirst Lending Inc by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	4,122	6.125%US 6.375%	$18,448US $6,413	0.427US 0.161
Conventional	646	6.490%US 6.500%	$14,032US $5,393	0.434US 0.175
FHA-insured	2,243	5.990%US 6.250%	$18,775US $11,084	0.477US 0.432
VA-guaranteed	1,233	6.125%US 6.000%	$19,848US $6,088	0.242US −0.422

Interest rate and total loan costs of AdvantageFirst Lending Inc by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	25	6.125%US 6.500%	$11,626US $6,632	0.310US 0.169
Home improvement	46	6.125%US 6.750%	$17,165US $2,827	0.468US 0.594
Refinancing	232	5.875%US 5.999%	$14,325US $4,883	0.359US −0.069
Cash-out refinancing	3,819	6.125%US 6.500%	$18,765US $8,095	0.434US 0.376

Parts of the total loan costs of AdvantageFirst Lending Inc by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$12,174US $2,062	$9,858US $2,823	$75US $567
Conventional	$11,853US $1,981	$9,248US $2,588	$75US $604
FHA-insured	$11,398US $2,831	$8,810US $3,270	$77US $567
VA-guaranteed	$14,740US $1,729	$12,673US $3,300	$61US $472

The median rate spread of these loans was 0.427 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,281 more a year, or $107 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: AdvantageFirst Lending Inc and the United States

AdvantageFirst Lending IncUnited States

Action takenHMDA codes and labels

Records of AdvantageFirst Lending Inc by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	4,137	33.9%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	2,216	18.2%	15.6%
4Application withdrawn by applicant	5,295	43.4%	12.6%
5File closed for incompleteness	538	4.4%	5.1%
6Purchased loan	1	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of AdvantageFirst Lending Inc by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	681	30.7%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	531	24.0%	25.6%
4Collateral	990	44.7%	13.8%
5Insufficient cash (downpayment, closing costs)	14	0.6%	2.3%
6Unverifiable information	0	0.0%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	0	0.0%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of AdvantageFirst Lending Inc by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	2,090	661	31.6%US 23.4%
FHA-insured	6,716	2,243	37.6%US 21.8%
VA-guaranteed	3,380	1,233	31.3%US 16.2%

Applications of AdvantageFirst Lending Inc by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	46	25	0.6%
Home improvement	137	46	1.1%
Refinancing	865	232	5.6%
Cash-out refinancing	11,138	3,834	92.7%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends27 states with 25 applications or more

AdvantageFirst Lending Inc by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Alabama	344	123	6.250%	$16,141	33.9%
Arizona	718	260	6.250%	$19,123	29.3%
California	1,628	510	6.250%	$20,441	36.9%
Colorado	342	129	6.125%	$20,889	30.3%
Florida	1,547	448	6.125%	$19,200	39.3%
Georgia	902	286	6.125%	$18,572	36.3%
Idaho	171	62	6.000%	$20,794	27.9%
Illinois	49	16	n/a	n/a	36.0%
Indiana	95	26	5.625%	$16,989	52.7%
Iowa	114	37	5.990%	$15,078	33.9%
Kentucky	252	88	6.188%	$13,771	33.3%
Louisiana	135	33	6.250%	$14,813	55.4%
Maryland	393	143	6.125%	$21,231	35.3%
Massachusetts	76	28	5.750%	$24,697	33.3%
Michigan	461	170	6.125%	$16,195	32.0%
Minnesota	244	84	5.990%	$18,967	30.0%
Nebraska	97	35	6.125%	$16,451	34.0%
New Jersey	531	191	5.990%	$20,471	26.5%
New Mexico	139	57	5.990%	$18,400	30.5%
North Carolina	1,014	357	6.125%	$18,200	34.4%
Ohio	699	245	6.250%	$16,005	37.7%
Oklahoma	164	52	6.063%	$14,555	39.5%
Oregon	176	52	5.990%	$21,878	44.7%
Pennsylvania	651	224	6.125%	$18,166	33.5%
South Carolina	400	154	6.250%	$17,275	31.3%
Tennessee	518	199	6.125%	$18,156	30.7%
Wisconsin	319	127	6.125%	$17,657	34.9%

Counties of AdvantageFirst Lending Inc with 50 applications or more, 2025In order of the names. The list has the 30 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Bernalillo County, NM	56	21	$7.0 million	27.6%
Broward County, FL	77	22	$10.3 million	35.3%
Cobb County, GA	58	20	$6.2 million	39.4%
DeKalb County, GA	71	24	$7.3 million	33.3%
Duval County, FL	74	26	$8.2 million	23.5%
El Paso County, CO	78	26	$10.0 million	33.3%
Franklin County, OH	98	32	$8.7 million	31.9%
Fresno County, CA	72	29	$10.0 million	27.5%
Guilford County, NC	55	21	$6.4 million	32.3%
Gwinnett County, GA	74	24	$8.2 million	25.0%
Hillsborough County, FL	104	28	$9.2 million	39.1%
Los Angeles County, CA	251	69	$35.5 million	42.0%
Macomb County, MI	63	19	$5.1 million	34.5%
Maricopa County, AZ	363	130	$46.9 million	28.6%
Mecklenburg County, NC	107	34	$11.5 million	37.0%
Ocean County, NJ	59	26	$8.7 million	21.2%
Orange County, CA	69	25	$14.1 million	32.4%
Orange County, FL	75	24	$7.6 million	29.4%
Palm Beach County, FL	104	22	$7.9 million	55.1%
Pima County, AZ	133	42	$10.7 million	33.3%
Pinal County, AZ	77	31	$8.9 million	24.4%
Pinellas County, FL	59	19	$7.2 million	32.1%
Polk County, FL	73	22	$5.5 million	42.1%
Prince George's County, MD	95	40	$16.8 million	24.5%
Riverside County, CA	209	78	$31.9 million	30.4%
Sacramento County, CA	104	36	$15.0 million	25.0%
San Bernardino County, CA	134	41	$15.5 million	46.8%
San Diego County, CA	107	39	$20.5 million	31.6%
Volusia County, FL	70	22	$6.4 million	37.1%
Wake County, NC	72	29	$9.3 million	23.7%

Figures by yearHMDA 2022 to 2025

AdvantageFirst Lending Inc by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	12,186	4,137	6.125%	$18,448	34.9%	12,187
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: AdvantageFirst Lending Inc and the United States

AdvantageFirst Lending IncUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

American Heritage Lending, LLCIrvine, CA
Bay Equity LLCDetroit, MI
General Mortgage Capital CorporationBurlingame, CA
Golden Empire Mortgage, Inc.Bakersfield, CA
Homeowners Financial Group, LLCScottsdale, AZ
K. Hovnanian American MortgageBoynton Beach, FL
Lakeview Community CapitalCoral Gables, FL
Loanunited.com, LLCDuluth, GA
New Wave Lending Group IncCity of Industry, CA
Reliance First Capital, LLCMelville, NY
Success Mortgage Partners, IncPlymouth, MI
Valon MortgagePhoenix, AZ

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc mortgage rates, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/
Lender: AdvantageFirst Lending Inc, LEI 254900M2C4Q6DATP2889
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did AdvantageFirst Lending Inc buy from other lenders in 2025?: It reported 1 purchased loan. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did AdvantageFirst Lending Inc code most often in 2025?: The first reasons that it coded most often were collateral (990), debt-to-income ratio (681) and credit history (531).
In which states did AdvantageFirst Lending Inc originate the most loans in 2025?: The three states with the most loans were California (510), Florida (448) and North Carolina (357). It had 25 applications or more in 27 states.
Which loan types did AdvantageFirst Lending Inc originate in 2025?: 661 conventional, 2,243 FHA and 1,233 VA.