Allied First Bank
Reviews and Complaints

If I could give more stars I would the Allied First mortgage team is that amazing! I?m not sure if I should name drop but I will - I worked with Sargon and Sami (who oversees the team). The service level and expertise was honestly like nothing I?ve ever seen. The team basically gives you the best of both worlds of a bank and a broker. They check best rates, cost, and service level among a huge pool of banks and pick the best one even if it?s not them (this was the case for me - the loan was through UWM) but you still get to work with the all-star team at Allied First who help you step by step through the mortgage process. They were extremely responsive, knowledgeable, and basically worked round the clock to get the loan done and watch out for my best interests in regards to all aspects of the purchase. They got my mortgage funded in 27 days it was unbelievable. My wife and I are beyond happy- it is our first home and we owe it all to the mortgage group at Allied First Bank!

I have attempted to contact Allied First using the website address they provide on the back of their solicitation letter, but this website(address) does NOT EXIST. I am a veteran who has recently refinanced my home using IRRL. Allied Bank continuously sends mail to my home address about equity reserves that I have not used. First of all: I don't know this company, and am very suspicious of their financial solicitation methods. Second: I'm really not interested in whatever it is they seem to want to sell me. My complaint/review is ONE star and would give ZERO stars if I could because I would really like to be removed from their mail solicitation list, however, one is not able to do so, because they website DOES NOT EXIST. Additionally, if I could file a complaint about their spurious mailing/solicitation methods I would, however Complaintsboard.com does not have a radio box for "DO NOT CONTACT" violations. PLEASE STOP SENDING ME MAIL AND PLEASE ADVERTISE A TRUE AND CORRECT WEBSITE ADDRESS FOR DO NOT CONTACT.

JOSEPH & JUDY A. ON APRIL 3 I SPOKE WITH DEREK *** WHO I HAVE REFI'ED NOW TWICE WITH. ON THE FIRST LOAN WE DID BACK IN 2019 HE GOT US APPROVED WITH QUICKEN LOANS AND GOT THEM NOT TO REQUIRE AN APPRAISAL FOR US TO PULL CASH OUT. HE MADE IT SIMPLE AND FAST AND THAT IS WHY I CALLED HIM AGAIN FOR THE 2ND REFI. DEREK IS A GREAT LOAN OFFICER WHO SPECIALIZES IN VA LOANS AT THE ORANGE BRANCH. HE TAKES VERY GOOD CARE OF ALL HIS CUSTOMERS ESPECIALLY VETERANS. HIS FATHER WAS A VETERAN AND EVEN HAS A CLUBROOM AT THE AMERICAN LEGION NAMED AFTER HIM RONALD ***. HE WAS A TRUE HERO. DEREK DONATES MONEY AND HIS TIME AND HAS HELPED OUT THE AMERICAN LEGION POST 277 IN PLACENTIA TREMENDOUSLY. OUR SECOND REFI WITH DEREK WAS AS WONDERFUL HE GOT IT CLOSED IN THREE WEEKS. THERE WERE NO PROBLEMS AND THINGS GOT HANDLED IN A TIMELY MANNER. I'M THANKFUL THAT WE FOUND DEREK AND HE HAS HELPED US FROM START TO FINISH IN A VERY PROFESSIONAL MANNER. I DEFINITELY RECOMMEND DEREK IF YOUR LOOKING FOR A GREAT LOAN OFFICER.

I was all set to go ahead with a refi thru Allied First Bank and was told by the agent to forgo paying my mortgage on November 1st. I was told that the refi would go in for November and I would not have to pay mortgage for November or December. I didn't hear anything from the agent so I reached out on the 10th of November and was told that they thought my original interest rate was at *** instead of the *** I have always been at, so they wouldn't be able to lower it anymore that the whole point that was required. NOBODY reached out to me to inform me of this! If I hadn't reached out myself to see what the status was, I'd still be waiting while my mortgage would have been late for November. #1 - How did they ever thing my interest rate was higher than it was when I submitted all the paperwork stating this? #2 - Never bothered to reach out to me and say this was a no-go, In fact...was called on two separate occasions NOT to pay my mortgage for November.This is totally unacceptable business practices. PLEASE do not do business with this company or they will hang you out to dry like they did me!

I received a direct mailing about refinancing my existing VA loan with a VA IRRRL loan. I was unfamiliar with what this loan product was so I did some *** searches about it as well as Allied First Bank since I didn't know much about them either. Everything seemed legit and checked out so I decided to call the number listed on the mailer to ask additional questions. I was connected with *** and found him to be very knowledgeable about the products, processes, and timelines associated with them. He answered all questions I had professionally without all of the confusing finance lingo. We worked together for about 9 months with *** keeping me updated every few weeks on current interest rates. He was never aggressive or pushy which was very appreciated. He understood what I was looking for in terms of interest rate and fees and was very open about them. Rates came down where I wanted them so I proceeded with the VA IRRRL loan. *** kept me updated on the process and was easy to get in contact with during the refinance closing process to answer any additional question I had. Everything went smooth and I am very happy with my lower mortgage payment. I would definitely work with *** again in the future.

After being contacted by Allied Bank about a possible streamline refinance loan I decided to check more into it and everything was going great I decided I was going to go with them and be able to drop my interest rate by almost one point and drop my payment by over $100 a month everything was going good I got all the documents they needed I even had somebody come to my house & all the paperwork to get to them they asked me for the beginning if I had been on a forbearance program I said I signed up for one when everything started with the pandemic in case something were to happen with my job but I did get my hours cut but I was able to still work and never had to use a forbearance program I was a little late I'm one payment but made it up right away which I did today that constituted the forbearance program all the way up into the end he kept telling me to hold back a payment and then I'm closing I would make that payment up so as I held up a payment last minute they said that they couldn't do the refinance in the meantime I was late on a payment and had to pay a late fee which I've never had to do before I don't recommend Allied Bank for any of this I tried to reach out to them and they have not responded back they ignore my texts and my emails

I worked with Johann. Initially I was skeptical because the letter in the mail sounded too good to be true and I was already refinancing with my current lender. I figured it went hurt to call the number so I reached out. I was doing an FHA streamline so the process and terms were very simple. I also knew what the rates were prior to them running my credit because the fha streamline process only required a minimum credit score. They offered me a rate of 2.25% which was lower than what my current lender was trying to quote. I had two fha mortgages and they said they could handle both and close next month. With a lower rate and my current le der not following up I went ahead with the process. In the end I got a 2.25% rate for both properties and and my closing costs were less than estimated and we closed on both in the expected timeframe. Not sure if everything works out like this all the time but if I had to bet I'd say it was because of Johann handling my case. There were moments I felt we wouldn't make the deadline which could've affected my credit score like others have mentioned since I didn't pay my bill for the month I closed. If I could do it over and lessen the risk I would go ahead a pay my bill. Worst case I pay an extra month but my credit would stay healthy. Just some advice, to each their own.

Avoid applying for a mortgage from Allied First Bank. Our house sale failed because they issued a pre-approval letter, then transferred the loan to Rocket Mortgage, whose underwriter disagreed with the buyer's financial evaluation. We were informed just 16 hours before closing, as the loan officer ignored messages from our agent and the title attorney. Not 3, 2, or even 1 day before. Both professionals deemed the officer inexperienced or incompetent. Despite market volatility warnings and a significant offer-to-appraisal gap, Allied assured the buyer could cover it. They needed time to adjust the loan, causing a week's delay. We incurred fees for rescheduling movers due to the last-minute notice. We lost hundreds in fees and $15,000 on the sale due to accepting a lower backup offer, as our belongings were en route to our new home. Allied's nationwide presence is concerning if this officer reflects their standard.

Matt my Loan Officer made promises to me at the end he could not keep. I had talked to Matt that I have a concern about the volume of negative reviews against Allied First Bank. Matt reassured me not to worry about it and that this transaction is transparent and true. I believed in Matt because I have refinanced using Matt before, I trusted he on his word. Wow, was I let down and disappointed! Being a Marine for almost 21 years, I believe in honor and trust. I was mislead by Matt, Prior to closing, I was given a loan estimate and the numbers were a big concern to me. Matt explained to me not to worry about it and trust him that this is a great deal for you and do not worry about the numbers! Well on the day of closing and sitting down and signing documents with the Notary, I reviewed my closing documents and found that the numbers were changed, my mortgage payments were much higher because my loan was much higher! Matt mislead me up to the day of closing. I stopped signing and called Matt and he stated that I have always been up front with the damn numbers with you! Matt went on to say that you are still getting a great deal. I observed what he and his company was getting which increased up to $7,000. I still believe there are good loan officers out there, you just have to do your research on the companies you want to do business with, but follow your gut and if you see more negative than positive reviews, on a company, you are taking a big risk. One other thing, if a person brags on how good he is and he is number 1 and not how he treats his customers, LEAVE HIM ALONE! I found that Matt was more interested in filling his pockets than making sure of my best interest. I also attempted to reach out to Matt supervisor, never received a response. This is what I learned as to how Allied First Bank treats you! Gunny, USMC

Similar to another reviewer, Allied First is sending repeated mailings to my senior parents who have a VA loan. The language they use about having available equity funds that you haven't accessed with a large dollar amount in bold and underlined is very deceptive. They appear to be targeting vets and the only acknowledgment that it's marketing is in teeny tiny print that elderly eyes can't read. These letters are arriving like clockwork and were almost good enough to trick my father into calling. Luckily, he shows me any "too good to be true" mailings so Allied First didn't trick him into a poor financial decision. AND, even though he never consented to getting bombarded with a forest's worth of mailings, there is no easy way to remove him from their mailing list. I will be following up to make sure his information gets removed but this is not the behavior of a legitimate bank. Stay away. I have attempted to contact Allied First using the website address they provide on the back of their solicitation letter, but this website(address) does NOT EXIST. I am a veteran who has recently refinanced my home using IRRL. Allied Bank continuously sends mail to my home address about equity reserves that I have not used. First of all: I don't know this company, and am very suspicious of their financial solicitation methods. Second: I'm really not interested in whatever it is they seem to want to sell me. My complaint/review is ONE star and would give ZERO stars if I could because I would really like to be removed from their mail solicitation list, however, one is not able to do so, because they website DOES NOT EXIST. Additionally, if I could file a complaint about their spurious mailing/solicitation methods I would, however Complaintsboard.com does not have a radio box for "DO NOT CONTACT" violations. PLEASE STOP SENDING ME MAIL AND PLEASE ADVERTISE A TRUE AND CORRECT WEBSITE ADDRESS FOR DO NOT CONTACT.

I started the loan process with Allied first Bank on 32, I provided the requested documents as I was asked. We received a pre-approval for the loan in just a few days for the amount we requested. Things started going down hill from there. As time progressed, more documents were asked for and some were repetitive of the ones already provided. 45 Days past, 60 Days past, still no confirmation on my loan...that I was pre-approved for... Finally an appraisal was ordered, and completed. But it takes almost two weeks to get turned in, then they say the appraisal is wrong and the property is commercial not residential. The appraisal states R1 zoning and is on a Residential Appraisal form. The appraiser was not licensed to do commercial. I asked to have a supervisor contact me and was refused to be put in contact with anyone else. I had spoken to two other people, and how funny is it that *** THREE PEOPLE HAVE THE *** LAST NAME... One is the "***" owner, one is the "Supervisor" and the only one I could have talk to me was the *** officer. She was extremely confrontational any time I tried to say something. I was even told that I had to prove that the property I was purchasing was zoned residential. It was on the appraisal, in the paperwork from the title company, and yet... I... The purchaser was to do the leg work for the loan company and research the property. I told them that it was their job to do. Over 96 days have past and we still have not closed. The loan officer wants to argue and throw her email stream in your face every time you talk. "Why is this just now coming to light, I asked for it back in April and never got it." Then why did you not ask until you did get it... If you make someone mad because you are upset on it is taking over 90 days to close, they all stop answering your calls... Worst, and I repeat, worst by far company, well people... Because I was not able to talk to anyone else there, I have ever felt with. My loan is for $399,000.00 you would think for that amount some type of professionalism would have been given, nope...none at all. I am running this all the way to the end then say... Nevermind... Make them earn every cent they are not going to get from me. They seem to be purposely dragging this out by finding one excuse after another to question. This is obsurd to take 96+days to close a loan... That is not closed yet...

My fault for ignoring all the red flags trying to get a good rate Flag #1) when I was presented the *** streamline refinancing program it was presented to us as if the interest rate was 2% because that was the terms of this program offered by the government to people with good payment history. THEN they tell me that they have to increase the interest to 2.5 which I was confused on becuase they told me the interest rate is set because of the type of program it is. Whatever we still wanted it but we were suspicious at this point I wish we stopped here.Flag #2) They promised over and over there will be no closing cost. In all the documents we signed BEFORE WE WERE SUPPOSED TO CLOSE it said there was a closing cost and each time I questioned the agent and he assured me that on the actual papers when we close it would say $0.00. So we let it be. Flag #3) Two days before closing they call me to tell me that in order to close we need $8,000 for our escrow account because its in the negatives. I just laughed because our escrow account isnt in the negatives. They told me our property taxes were increasing $8,000 and thats why we needed that. People we live in a one story 3 bedroom house. In a low middle class neighborhood where majority of people are on government help. I couldnt believe they tried to tell me my taxes were increasing $8,000. They also told me my escrow account was negative because my home insurance increased when we had just switched home insurance early this year to one that was $400 less than the previous one. I immediately called my current bank to confirm our escrow account wasnt negative and it was in the positive numbers. They did an estimate of how much our escrow account was going to be short for next year and it wasnt even $500 and they emailed me the document stating that which they also emailed the lender I was going to switch to. The manager called me next morning to explain the $8000 needed for closing and told me it wasnt an escrow balance that we needed to pay it was the closing cost. I knew immediately from the day before that the $8000 was for closing cost but they didnt want to label that because the agent promised me there would be no closing cost over and over. I have emails and text messages stating there was no closing cost. But the manager called me to tell me that was the closing cost and when I told him that it was funny that he mentioned that because his employee told me it wasnt closing cost that it was escrow and that I have messages of him telling me that he switched his story to say that it was indeed escrow cost. I just cant believe how they try to get people. Do your own research on this company and dont believe everything they tell you!FYI I also called my county office to see what my projected taxes where and they assured me that they werent increasing my property taxes by $8000. They laughed so hard when I told them a well trusted and established bank told me that. Gosh they really did make me laugh. Stay alert and know your numbers people!

We have 2 accounts on our credit reports from this company. We have been unable to find any information to have it taken care of quickly. My son was a minor and has a medical account listed on his credit report. We need help finding information to contact them.

have asked over 50 times to be removed from mailing and call list. they continue to send pre qualified offers in the mail and via telephone all hours of the day. I ave e mailed wrote and called requesting to be removed from their list. they will not comply in removing me from the list get rude and tell me i need their services.

In the last two weeks, I have received no less than 5 pieces of mail from Allied First Bank regarding an offer for a mortgage. I have called their number ***) numerous times and have either asked to be removed from the mailing list, or left a voicemail saying the same. I am not interested in anything they have to offer and would like them to stop sending me mail.

I was going to refinance my home in December while working with *** since October2021. *** told me not to pay my December payment, so i did not. My payment due date was Dec 15 2021, I stopped automatic payments because of their word the refi would be done. Now i have a late payment on my credit report because of this company and with a late payment. My mortgage company called me to see what went wrong because their was no payment. His email is

I was doing a refinance and the person who was handling it had told me not to make my next mortgage payment. Instead we were to save that for the refinance closing costs. I was told that any late fees would be covered by allied. Recently I was informed that my mortgage account was reported to collections. It has caused my credit score to drop 100 points. This needs to be removed from my credit report. The person that was handling my refinance made mistakes throughout the process and clearly needs training as well.

Allied bank called me to offer a refinance on my home, my number is on the do not call list. What Allied and many other companies do is use over seas call centers to call first and transfer the call to an Allied employee. The over seas call centers they use do not honor the do not call list, as I have been fighting these call for several years. On average i get 20 calls a day from over seas call center trying to sell me something, they all do the same thing. I assume Allied, and others, use the over seas call centers as a loop-hole to get around the do not call list. This is at the very lest unethical, I do not if it's legal or not. I need these call to stop as it interrupts my small business.

You people need to stop harassing me and sending me those "FHA notices". I receive them from you literally every week and i receive them only from you Allied First Bank. It has become harassment at this point. Don't make me file a legal case against you, i saved all the notices to show the amount the i got from you already. Remove me from your list permanently, i never want to receive any mail, email, call, or any other form of communication from allied First Bank or any company associated or affiliated with it. I require your confirmation that you will no longer harass me in writing via response to this Complaintsboard.com complaint. Thank you *** P.S. The latest of the multiple endless letters i received via mail from allied first bank. It has to stop!

Back in November I started to Refinance my home at an Interest Rate of *** percent utilizing my VA benefits. We started the paperwork and I signed it with a *** rate. I was contacted by Allied First Bank that I would be hearing from their Appraiser. Their Appraiser schedule the appraisal for Jan. 14, 2022. After the appraisal was done I contacted the Bank to finish the refinance (appraisal was fine). As I was talking with the Banks representative and told him I was glad to get the low rate of ***. He after a few seconds I was told the Bank was not going to honor the rate that I was given. Also, that the rate have gone up. The bank should honor the rate quoted by them and in their paperwork. Further more the *** told me to wait and see if the rate go down or to look for another lender. Thats BS after waiting two months working with this Bank and paying $675.00 for the Appraisal !

I applied for a mortgage and received a pre-approval at an interest rate of 2.8 with Allied on Nov17th 2021. It is now March 4th and we have yet to close. My rate increased to 3.5 after the lock expired and its about to expire again. I have given all paperwork upfront and any updates they need they ask for right at the close of business and then I dont here from them again for a week. I was given the clear the close finally the other day with a closing date of March 7th but now they are saying they cant meet that date and asking for more time again.I have spoken to Processers, Loan officers and business managers and nothing seems to work. I have been. Given every excuse in the book and regularly they are slammed. Well at some point my file should become A priority as we almost reach month 4.I would not recommend anybody doing business with Allied and would like a refund on the fees they are charging if the mortgage ever goes through.

After receiving several mailing flyers from this company, my wife and I decided it would be worth looking into. I spoke with ***, and he told me the program his company use would lower the interest rate, skip two months of my mortgage, and lower the monthly paymeny by at least 250$. He asked me some questions and we agreed to move forward. He scheduled an appointment for a notary on Monday Jan 24. The notary arrived with a packet of non-filled out documents. The notary said it was to protect out privacy. *** was called and did not answer. After another 10 min i called again and left a voicemail. He called back immediately. The paperwork was signed and the notary left. I have had no contact from *** or anyone from the company since than. Today is the 28th of January. I have emailed and called and no one will answer. I believe this to be a scam. I have no desire to continue with this comoany on the small chance its not a scam and just a company with poor communication.

I refinanced my property in July. During the process I was assured I would not have to worry about making payments to my previous lender, Nationstar, (USAA Affiliate). The day of closing Allied had computer issues and trouble securing a notary with my refi. I asked the loan specialist I was working with if this computer issues and trouble securing a notary would affect the mortgage payment to Nationstar. The loan specialist said it would not and asked that I just be patient. I was patient and Allied did not make my mortgage payment on time and now my credit report says I have a late payment. I followed up with Allied several times to no avail. Allied has repeatedly reached out for me to refi with them again but they have yet to address their role in my adverse credit report. As an Active Duty military member I do not work a typical 9-5 job and I could be called to travel anywhere at any given time. I work long hours and do not have the capacity to continue reach out to the credit bureaus to rectify the situation.

Take a look at the letter I received today from this "bank". Notice how it is deliberately created in order to look like an important tax document? It is NOT anything important. It's a garbage spam mortgage offer. Now read the letter, and take note how it is misleading in how it implies that some sort of "deadline" has been missed, and a person needs to call to rectify the situation. This is garbage *** league marketing, it is basically fraud on their part to misrepresent themselves in this manner, and they need to STOP this sort of nonsense immediately. A mortgage offer should clearly state such on the external portion of the envelope, with the return address of the bank in question. Notice the bank is from ***, but they mailed this out of ***? If they are using a third party marketing agency, then that agency needs to be held accountable. This is disgusting, and being that I'm in the VA loan program, it is undoubtedly why this company is targeting me at this point, and likely other veterans. Not related to the above complaint, your (Complaintsboard.com) website misleading advertising pages do not work, you can't report, can't add documents, and at the end it won't upload the complaint. Tried in both Chrome and Firefox.

I received a paper stating to refinance my house for lower interest rate so i acquired about it and i was i gave them some info for them to continue so they did app and came back that i qualified for a interest rate of *** percent then was told would send a notary out to sign papers which they did and some of papers didnt have info on them which i thought was odd but went with it and then the person i was working with called and said everything was a go he would call me every week with update and we were set to close in march that we would hold 2 months worth of payments then. He called couple times then i had to keep trying to call him then after couple weeks of no response i called his boss which responded to me and said he would keep in touch which i had to call him but he would call back most time. He told me on march 1 that they were getting things finalized he would update couple days and was to hold payments and if things got have to pay late fee they would take care of that. i ended up calling every couple day said they did have VA approval yet would have something couple days then on march11 he told me they had go ahead to start contacting banks for pay off he would call me next week on tuesdays wednesday On monday march 14 i got call from my morgate company saying that was last day before late fee would b assed so itried calling my agent again no answer so iendedup paying my payment and then i started reserching the bank website and found bad reviews just like what i was going through so i did not here anything by wednesday march 16 so i tried calling couple times no answer and no call back so i made a call to you guys to resolve this .

I would consider this a form of harassment. I have received literally 6 postal letters in a 2 month time frame from them stating I have equity in my home that I have not accessed. I want them to stop sending me these letters and understand that I am not interested in accessing them funds. I have other uses for them. They need to understand that if people don't respond that they need to stop sending out these letters. Each letter I have received always has a different FILE ID and telephone number to respond, but 75% of the letter I have received the numbers provided no longer works. Why does a company keep changing their number or provide bogus numbers. One thing is always the same and that is the NMLS#*** and the address on each letter is the same at ***. There is info on each letter to call a number & request Compliance officer to remove me from their mailing list. I have tried numerous attempts just to get the run around including no one answering the phone, voice boxes being full, I even had an automated message telling me they are not accepting phone calls (and then they hung up me); that's just not acceptable. I even tried to email *** that I found on Allied First's website and got a return message stating the email address is unable to receive mail (why provide an email address if not accepting emails?) And after reading other complaint I see I am not the only one having these issues. Why does the consumer have to put up with this? Why do businesses like to push people into insanity? No need to answer the last 2 questions. Wow, this is just unbelievable.

Hello,I continue to receive unsolicited postal mailings from Allied First Bank. These claim that a waiting period has expired and that we have not accessed our equity reserves for an apparent home loan. Our home loan is NOT through Allied First Bank and we have never done business with Allied First Bank.I researched this company online and found many complaints to the Complaintsboard.com and that this company is known for harassing people through urgent, deceptive wording in their mailings and ignoring repeated requests to be removed from their SPAM lists. Allied First Bank also promises a substantial savings when dealing with their company. When in reality, the confusing wording in their contracts fine print indicates homeowners will pay much higher premiums than they were led to believe. I have requested several times to be removed from their list, but I continue to receive their solicitations several times a month. Allied First Bank is obviously using public mortgage loan records to amass a database of homeowners in which to send their unsolicited SPAM. And they completely ignore any requests to stop sending these mailings. Even after over 20 complaints to the Complaintsboard.com and countless complaints on review sites, they still maintain an A- rating on your site. I do not understand this. They are using fraudulent marketing tactics, fabricating financial information, claiming FINAL NOTICE to people who they have never done business with and refusing to stop sending their SPAM to those who request it. I'm asking that Allied First Bank completely remove my name/address from their database and discontinue their SPAM mailings. I'm also requesting that the Complaintsboard.com consider re-evaluating the A- rating maintained on your site. Allied First Bank is not going to change their marketing tactics if they maintain a favorable rating with the Complaintsboard.com. And those who are not as research savvy, will continue to be harassed by AFB and will lose income through their deceptive tactics.Thank you