# AMERICAN FINANCIAL RESOURCES, INC. > **Canonical URL:** https://saferate.com/lenders/american-financial-resources > **πŸ“‹ 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 RESOURCES, INC. is a independent mortgage company, headquartered in Parsippany-Troy Hills, NJ, serving borrowers nationwide, with 3,671 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 77% of lenders for competitive rates - **Approval Rate:** Ranks in the top 40% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 5493002B2WMHY23GFK92 - **Headquarters:** Parsippany-Troy Hills, NJ - **Geographic Reach:** National - **States Served:** 49 - **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY - **Markets (MSAs):** 50 - **Primary Channel:** wholesale - **Direct Origination:** 2.8% - **Brokered/Wholesale:** 97.2% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 23/100 - Rating: ●●○○○ (2/5) ### Pull Through: Sound ☺️ - Score: 60/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.624% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $3,317 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 3,671 - **Dollar Volume:** $1.1 billion - **Applications Received:** 5,479 - **Market Share:** 10.00% ## Typical Borrower Profile - **Average Loan Amount:** $291,434 - **Average Borrower Income:** $123,791 - **Average Property Value:** $363,300 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (62%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 61/100 | 1,517 | +0.430% | $2,903 | Strong πŸ˜€ | | FHA | 82/100 | 1,527 | +0.949% | $3,498 | Exceptional 🀩 | | VA | 76/100 | 418 | +0.025% | $4,336 | Strong πŸ˜€ | | USDA | 89/100 | 206 | +0.560% | $2,485 | Exceptional 🀩 | ### Product Performance by Purpose **Conventional:** - Purchase: 1,195 loans, Score: 62/100 (Strong) - Refinance: 322 loans, Score: 63/100 (Strong) **FHA:** - Purchase: 1,331 loans, Score: 81/100 (Exceptional) - Refinance: 196 loans, Score: 79/100 (Strong) **VA:** - Purchase: 331 loans, Score: 75/100 (Strong) - Refinance: 87 loans, Score: 55/100 (Sound) **USDA:** - Purchase: 206 loans, Score: 89/100 (Exceptional) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 74/100 | 3,065 | $899M | +0.652% | Strong πŸ˜€ | | Refinance | 64/100 | 606 | $171M | +0.497% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | FL | 374 | 0.13% | 67/100 | | OH | 216 | 0.16% | 66/100 | | TX | 202 | 0.06% | 61/100 | | KY | 191 | 0.41% | 71/100 | | NC | 183 | 0.12% | 63/100 | | CA | 182 | 0.06% | 59/100 | | TN | 177 | 0.19% | 66/100 | | GA | 159 | 0.12% | 63/100 | | PA | 149 | 0.12% | 63/100 | | LA | 131 | 0.38% | 65/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 639 | 73/100 | | Cincinnati, OH | | 155 | 73/100 | | Louisville/Jefferson County, KY | KY-IN | 102 | 68/100 | | Phoenix | AZ | 88 | 59/100 | | Atlanta | GA | 79 | 59/100 | | Charlotte | NC-SC | 69 | 60/100 | | Chicago | IL | 53 | 54/100 | | Houston | TX | 46 | 51/100 | | Knoxville, TN | TN | 46 | 56/100 | | Orlando | FL | 44 | 54/100 | | Sacramento | CA | 44 | 54/100 | | Jacksonville, FL | FL | 43 | 55/100 | | Dallas | TX | 39 | 50/100 | | Fort Worth | TX | 38 | 53/100 | | Kansas City, MO | MO-KS | 37 | 52/100 | ## Where This Lender Ranks AMERICAN FINANCIAL RESOURCES, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#12** in Knoxville, TN for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#12** in Lake Charles, LA for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#13** in Knoxville, TN for USDA Loans - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/usda-loans) - πŸ† **#13** in Dothan, AL Mortgage Companies - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/mortgage-companies) - πŸ† **#13** in Dothan, AL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#13** in Lake Charles, LA Mortgage Companies - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/mortgage-companies) - πŸ† **#13** in Lake Charles, LA for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#14** in Morristown, TN for FHA Loans - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/fha-loans) - πŸ† **#14** in Morristown, TN for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#15** in Baton Rouge, LA for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#15** in Morristown, TN for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/morristown-tn/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#16** in Dothan, AL for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#16** in Gainesville, FL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#17** in Lake Charles, LA - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders) - πŸ† **#17** in Lake Charles, LA for FHA Loans - [View Full Rankings](https://saferate.com/lake-charles-la/best-mortgage-lenders/fha-loans) - πŸ† **#17** in Davenport for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#18** in Springfield, MO for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#18** in Dothan, AL for FHA Loans - [View Full Rankings](https://saferate.com/dothan-al/best-mortgage-lenders/fha-loans) - πŸ† **#18** in Lafayette, LA Mortgage Companies - [View Full Rankings](https://saferate.com/lafayette-la/best-mortgage-lenders/mortgage-companies) - πŸ† **#18** in Lafayette, LA for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lafayette-la/best-mortgage-lenders/mortgage-companies/fha-loans) ## Frequently Asked Questions ### What loan types does AMERICAN FINANCIAL RESOURCES, INC. offer? AMERICAN FINANCIAL RESOURCES, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does AMERICAN FINANCIAL RESOURCES, INC. offer mortgages? AMERICAN FINANCIAL RESOURCES, INC. is a national lender offering mortgages in all 50 states plus Washington D.C. ### How competitive are AMERICAN FINANCIAL RESOURCES, INC.'s mortgage rates? AMERICAN FINANCIAL RESOURCES, INC. has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.624% above market average. ### What type of lender is AMERICAN FINANCIAL RESOURCES, INC.? AMERICAN FINANCIAL RESOURCES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Parsippany-Troy Hills, NJ. ### What is AMERICAN FINANCIAL RESOURCES, INC.'s loan approval success rate? AMERICAN FINANCIAL RESOURCES, INC. has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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-resources ### How to Cite > "AMERICAN FINANCIAL RESOURCES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-financial-resources --- **[View Interactive Profile β†’](https://saferate.com/lenders/american-financial-resources)**