Obvious disclaimer: At this point we are talking about outlier colleges/universities.

But to give some examples, I know colleges (both in US and abroad) where people did real analysis and abstract algebra in their first year (and why not - neither requires prerequisites other than maturity).

I know a college (in the US) where they did Jackson for E&M in the 3rd year (and some advanced students did in the 2nd year). In most US universities, people normally do Jackson in the first year of their PhD.

I think it's rare to do QM before 2nd year, but in principle, as long as you know calculus/diff eq, you can get going on it. The catch is that the interesting applications require other branches of physics (e.g. E&M). When I did QM, all those applications were part of QM II anyway.

But yes, again, these are outliers and I wouldn't want to say it's the norm in the whole country.