# AMERICAN FINANCIAL NETWORK, INC.

> **Canonical URL:** https://saferate.com/lenders/american-financial-network


> **📋 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 FINANCIAL NETWORK, INC. is a independent mortgage company, headquartered in BREA, CA, serving borrowers nationwide, with 9,656 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008NWHQT1R22C024
- **Headquarters:** BREA, CA
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 61.3%
- **Brokered/Wholesale:** 38.7%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.608%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,206
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 9,656
- **Dollar Volume:** $3.6 billion
- **Applications Received:** 16,162
- **Market Share:** 27.00%

## Typical Borrower Profile

- **Average Loan Amount:** $374,204
- **Average Borrower Income:** $151,640
- **Average Property Value:** $460,995

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 4,223 | +0.480% | $2,175 | Exceptional 🤩 |
| FHA | 91/100 | 4,132 | +0.898% | $2,793 | Exceptional 🤩 |
| VA | 83/100 | 908 | -0.334% | $-897 | Exceptional 🤩 |
| Jumbo | 82/100 | 255 | +0.486% | $807 | Exceptional 🤩 |
| USDA | 90/100 | 138 | +0.532% | $1,475 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,612 loans, Score: 85/100 (Exceptional)
- Refinance: 611 loans, Score: 79/100 (Strong)

**FHA:**
- Purchase: 3,328 loans, Score: 91/100 (Exceptional)
- Refinance: 804 loans, Score: 87/100 (Exceptional)

**VA:**
- Purchase: 746 loans, Score: 83/100 (Exceptional)
- Refinance: 162 loans, Score: 83/100 (Exceptional)

**Jumbo:**
- Purchase: 217 loans, Score: 83/100 (Exceptional)
- Refinance: 38 loans, Score: 80/100 (Exceptional)

**USDA:**
- Purchase: 137 loans, Score: 89/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 89/100 | 8,040 | $3.1B | +0.645% | Exceptional 🤩 |
| Refinance | 84/100 | 1,616 | $552M | +0.346% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 1,353 | 0.46% | 78/100 |
| CA | 1,343 | 0.47% | 77/100 |
| TX | 595 | 0.17% | 70/100 |
| VA | 579 | 0.54% | 78/100 |
| NY | 466 | 0.41% | 73/100 |
| IN | 442 | 0.49% | 73/100 |
| MI | 434 | 0.38% | 71/100 |
| AZ | 386 | 0.39% | 71/100 |
| GA | 376 | 0.27% | 70/100 |
| TN | 330 | 0.36% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 918 | 74/100 |
| Riverside | CA | 472 | 78/100 |
| Los Angeles | CA | 338 | 75/100 |
| Lake County | IN | 288 | 91/100 |
| Phoenix | AZ | 226 | 67/100 |
| Monroe, MI | MI | 208 | 100/100 |
| Richmond, VA | VA | 198 | 76/100 |
| Chicago | IL | 194 | 66/100 |
| Atlanta | GA | 192 | 67/100 |
| New York | NY-NJ | 188 | 68/100 |
| Arlington | VA-WV | 171 | 69/100 |
| Tampa, FL | FL | 159 | 68/100 |
| Dallas | TX | 156 | 64/100 |
| Ocala, FL | FL | 155 | 80/100 |
| Virginia Beach | VA-NC | 144 | 68/100 |

## Where This Lender Ranks

AMERICAN FINANCIAL NETWORK, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lake County for USDA Loans
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Lake County for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Ocala, FL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Ocala, FL for USDA Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Ocala, FL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Lake Havasu City for USDA Loans
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Lake Havasu City for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Lake County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Ocala, FL for VA Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Lake Havasu City for VA Loans
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Lake Havasu City for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Gainesville, FL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Elmira, NY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Lake County for VA Loans
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Monroe, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Utah for USDA Loans
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Utah for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Gainesville, FL for VA Loans
  - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Elmira, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Elmira, NY for FHA Loans
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does AMERICAN FINANCIAL NETWORK, INC. offer?

AMERICAN FINANCIAL NETWORK, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN FINANCIAL NETWORK, INC. offer mortgages?

AMERICAN FINANCIAL NETWORK, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are AMERICAN FINANCIAL NETWORK, INC.'s mortgage rates?

AMERICAN FINANCIAL NETWORK, INC. has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.608% above market average.

### What type of lender is AMERICAN FINANCIAL NETWORK, INC.?

AMERICAN FINANCIAL NETWORK, INC. is a non-depository lender that specializes in mortgage origination, headquartered in BREA, CA.

### What is AMERICAN FINANCIAL NETWORK, INC.'s loan approval success rate?

AMERICAN FINANCIAL NETWORK, INC. has a pull-through score of 71/100 (Strong). 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-financial-network

### How to Cite

> "AMERICAN FINANCIAL NETWORK, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-financial-network

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