Looking for a different lender?
A
AMERICAN FINANCIAL NETWORK, INC.
Independent Mortgage Company|BREA, CA|National
Loans Originated
9,656
Applications
16,162
Volume
$3 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.608%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,206
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 61 basis points above market average
Report Card
AMERICAN FINANCIAL NETWORK, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$374,204
Average Borrower Income
$151,640
Average Property Value
$460,995
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 4,223 | 43.7% | +0.480% | $2,175 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 4,132 | 42.8% | +0.898% | $2,793 |
VA Loans | Strong | Exceptional | Strong | Strong | 908 | 9.4% | -0.334% | -$897 |
Jumbo Loans | Strong | Exceptional | Sound | Sound | 255 | 2.6% | +0.486% | $807 |
USDA Loans | Strong | Exceptional | Sound | Strong | 138 | 1.4% | +0.532% | $1,475 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 8,040 | 83.3% | +0.645% | $2,074 |
Refinance | Sound | Exceptional | Acceptable | Sound | 1,616 | 16.7% | +0.346% | $3,152 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Monroe, MI, MIMSA
Volume: 208Mix: 2.15%
Place Specialization
Exceptional
2
Lake County, INMSA
Volume: 288Mix: 2.98%
Place Specialization
Exceptional
3
Ocala, FL, FLMSA
Volume: 155Mix: 1.61%
Place Specialization
Strong
4
Gainesville, FL, FLMSA
Volume: 99Mix: 1.03%
Place Specialization
Strong
5
Lake Havasu City, AZMSA
Volume: 103Mix: 1.07%
Place Specialization
Strong
6
Riverside, CAMSA
Volume: 472Mix: 4.89%
Place Specialization
Strong
7
Richmond, VA, VAMSA
Volume: 198Mix: 2.05%
Place Specialization
Strong
8
Los Angeles, CAMSA
Volume: 338Mix: 3.50%
Place Specialization
Strong
9
Myrtle Beach, SCMSA
Volume: 99Mix: 1.03%
Place Specialization
Strong
10
Arlington, VA-WVMSA
Volume: 171Mix: 1.77%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 579Mix: 6.00%
Place Specialization
Strong
2
FLState
Volume: 1,353Mix: 14.01%
Place Specialization
Strong
3
CAState
Volume: 1,343Mix: 13.91%
Place Specialization
Strong
4
NYState
Volume: 466Mix: 4.83%
Place Specialization
Strong
5
INState
Volume: 442Mix: 4.58%
Place Specialization
Strong
6
NJState
Volume: 300Mix: 3.11%
Place Specialization
Strong
7
SCState
Volume: 270Mix: 2.80%
Place Specialization
Strong
8
AZState
Volume: 386Mix: 4.00%
Place Specialization
Strong
9
TNState
Volume: 330Mix: 3.42%
Place Specialization
Strong
10
MIState
Volume: 434Mix: 4.49%
Place Specialization
Strong
Showing 10 of 41 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare AMERICAN FINANCIAL NETWORK, INC. with other lenders or get personalized recommendations.