# AMERICAN FINANCING CORPORATION

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


> **📋 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 FINANCING CORPORATION is a independent mortgage company, headquartered in Aurora, CO, serving borrowers nationwide, with 4,204 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ALNLUNS3Y53T24
- **Headquarters:** Aurora, CO
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, 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:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.092%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,065
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,204
- **Dollar Volume:** $1.1 billion
- **Applications Received:** 21,692
- **Market Share:** 12.00%

## Typical Borrower Profile

- **Average Loan Amount:** $265,909
- **Average Borrower Income:** $104,756
- **Average Property Value:** $411,311

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 1,707 | +0.114% | $4,328 | Strong 😀 |
| FHA | 86/100 | 2,186 | +0.135% | $5,617 | Exceptional 🤩 |
| VA | 78/100 | 302 | -0.321% | $5,181 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 306 loans, Score: 49/100 (Sound)
- Refinance: 1,401 loans, Score: 81/100 (Exceptional)

**FHA:**
- Purchase: 339 loans, Score: 73/100 (Strong)
- Refinance: 1,847 loans, Score: 90/100 (Exceptional)

**VA:**
- Purchase: 53 loans, Score: 66/100 (Strong)
- Refinance: 249 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 703 | $233M | +0.401% | Sound ☺️ |
| Refinance | 87/100 | 3,501 | $885M | -0.008% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 1,111 | 1.33% | 86/100 |
| GA | 601 | 0.44% | 78/100 |
| TX | 196 | 0.06% | 60/100 |
| FL | 191 | 0.07% | 59/100 |
| OH | 156 | 0.12% | 62/100 |
| NC | 111 | 0.07% | 57/100 |
| PA | 102 | 0.08% | 58/100 |
| MI | 101 | 0.09% | 58/100 |
| IN | 98 | 0.11% | 58/100 |
| CA | 94 | 0.03% | 52/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 758 | 86/100 |
| Non |  | 664 | 73/100 |
| Atlanta | GA | 458 | 80/100 |
| Greeley, CO | CO | 125 | 79/100 |
| Marietta, GA | GA | 76 | 65/100 |
| Fort Collins | CO | 50 | 64/100 |
| Houston | TX | 48 | 52/100 |
| Phoenix | AZ | 43 | 50/100 |
| Colorado Springs, CO | CO | 37 | 54/100 |
| Boulder, CO | CO | 35 | 56/100 |
| Las Vegas | NV | 35 | 52/100 |
| Dallas | TX | 32 | 48/100 |
| St. Louis, MO | MO-IL | 29 | 50/100 |
| Columbus, OH | OH | 28 | 50/100 |
| Portland | OR-WA | 28 | 49/100 |

## Where This Lender Ranks

AMERICAN FINANCING CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Cheyenne, WY for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Boulder, CO for FHA Loans
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Boulder, CO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#7** in Cheyenne, WY for FHA Loans
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Fort Collins for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Grand Junction, CO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#12** in Fort Collins for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Cheyenne, WY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Grand Junction, CO for FHA Loans
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Wyoming for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Pueblo, CO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pueblo-co/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Greeley, CO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Wichita, KS for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Atlanta for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Pueblo, CO for FHA Loans
  - [View Full Rankings](https://saferate.com/pueblo-co/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Greeley, CO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#19** in Montana for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does AMERICAN FINANCING CORPORATION offer?

AMERICAN FINANCING CORPORATION offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN FINANCING CORPORATION offer mortgages?

AMERICAN FINANCING CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are AMERICAN FINANCING CORPORATION's mortgage rates?

AMERICAN FINANCING CORPORATION has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.092% above market average.

### What type of lender is AMERICAN FINANCING CORPORATION?

AMERICAN FINANCING CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Aurora, CO.

### What is AMERICAN FINANCING CORPORATION's loan approval success rate?

AMERICAN FINANCING CORPORATION has a pull-through score of 44/100 (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-financing

### How to Cite

> "AMERICAN FINANCING CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-financing

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