# AMERICAN FIDELITY MORTGAGE SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/american-fidelity-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICAN FIDELITY MORTGAGE SERVICES, INC. is a independent mortgage company, headquartered in Wheaton, IL, serving borrowers across 9 states, with 148 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300O1WXPWCOK7ZU87
- **Headquarters:** Wheaton, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AZ, CO, FL, IA, IL, IN, TN, TX, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.583%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,398
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 148
- **Dollar Volume:** $47 million
- **Applications Received:** 177
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $320,000
- **Average Borrower Income:** $136,716
- **Average Property Value:** $416,824

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 111 | +0.492% | $2,258 | Acceptable 🙂 |
| FHA | 56/100 | 33 | +0.956% | $2,815 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 92 loans, Score: 34/100 (Acceptable)

**FHA:**
- Purchase: 28 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 124 | $41M | +0.632% | Acceptable 🙂 |
| Refinance | 31/100 | 24 | $7M | +0.331% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 114 | 0.09% | 69/100 |
| IN | 20 | 0.02% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 85 | 68/100 |
| Lake County | IN | 19 | 57/100 |
| Elgin, IL | IL | 12 | 48/100 |

## Frequently Asked Questions

### What loan types does AMERICAN FIDELITY MORTGAGE SERVICES, INC. offer?

AMERICAN FIDELITY MORTGAGE SERVICES, INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN FIDELITY MORTGAGE SERVICES, INC. offer mortgages?

AMERICAN FIDELITY MORTGAGE SERVICES, INC. offers mortgages in 9 states: AZ, CO, FL, IA, IL, IN, TN, TX, WI.

### How competitive are AMERICAN FIDELITY MORTGAGE SERVICES, INC.'s mortgage rates?

AMERICAN FIDELITY MORTGAGE SERVICES, INC. has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.583% above market average.

### What type of lender is AMERICAN FIDELITY MORTGAGE SERVICES, INC.?

AMERICAN FIDELITY MORTGAGE SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Wheaton, IL.

### What is AMERICAN FIDELITY MORTGAGE SERVICES, INC.'s loan approval success rate?

AMERICAN FIDELITY MORTGAGE SERVICES, INC. has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-fidelity-mortgage-services

### How to Cite

> "AMERICAN FIDELITY MORTGAGE SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-fidelity-mortgage-services

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