What loan types does American Financial Network offer?

American Financial Network offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does American Financial Network offer mortgages?

American Financial Network is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are American Financial Network's mortgage rates?

American Financial Network has an overall pricing score of 28/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Financial Network?

American Financial Network is a Independent Mortgage Company headquartered in BREA, CA.

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American Financial Network

Independent Mortgage Company•Brea, CAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from American Financial Network — 9.7k loans across 16k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

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

Explore another lender or local market

Report Card

American Financial Network performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+60.8 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$2,175Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	4,132	42.8%	+0.898%Above	$2,793Fees
VA Loans	Strong	Exceptional	Strong	Strong	908	9.4%	-0.334%Below	$897Credit
Jumbo Loans	Strong	Exceptional	Sound	Sound	255	2.6%	+0.486%Above	$807Fees
USDA Loans	Strong	Exceptional	Sound	Strong	138	1.4%	+0.532%Above	$1,475Fees

Conventional

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,223

Mix43.7%

Spread

+0.480%Above

Fees

$2,175Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,132

Mix42.8%

Spread

+0.898%Above

Fees

$2,793Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume908

Mix9.4%

Spread

-0.334%Below

Fees

$897Credit

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Sound

Volume255

Mix2.6%

Spread

+0.486%Above

Fees

$807Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume138

Mix1.4%

Spread

+0.532%Above

Fees

$1,475Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	8,040	83.3%	+0.645%Above	$2,074Fees
Refinance	Sound	Exceptional	Acceptable	Sound	1,616	16.7%	+0.346%Above	$3,152Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume8,040

Mix83.3%

Spread

+0.645%Above

Fees

$2,074Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume1,616

Mix16.7%

Spread

+0.346%Above

Fees

$3,152Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

9,656

Applications

16,162

Volume

$3 billion

Pricing & Closing

Avg Rate Spread

+0.608%

vs. market APOR

Avg Net Fees

$2,206

Origination − Credits

Pullthrough Rate

59.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$374,204

Avg Borrower Income

$151,640

Avg Property Value

$460,995

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© formulanone · CC BY-SA 2.0

Monroe, MIMetro

Volume 208Mix 2.15% of portfolio

100/100

Exceptional

2© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0

Lake County, INMetro

Volume 288Mix 2.98% of portfolio

91/100

Exceptional

3© Ebyabe · CC BY 2.5

Ocala, FLMetro

Volume 155Mix 1.61% of portfolio

80/100

Strong

Gainesville, FLMetro

Volume 99Mix 1.03% of portfolio

80/100

Strong

Lake Havasu City, AZMetro

Volume 103Mix 1.07% of portfolio

80/100

Strong

Riverside, CAMetro

Volume 472Mix 4.89% of portfolio

78/100

Strong

Richmond, VAMetro

Volume 198Mix 2.05% of portfolio

76/100

Strong

Los Angeles, CAMetro

Volume 338Mix 3.50% of portfolio

75/100

Strong

Myrtle Beach, SCMetro

Volume 99Mix 1.03% of portfolio

69/100

Strong

Arlington, VA-WVMetro

Volume 171Mix 1.77% of portfolio

69/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

VirginiaState

Volume 579Mix 6.00% of portfolio

78/100

Strong

FloridaState

Volume 1,353Mix 14.01% of portfolio

78/100

Strong

CaliforniaState

Volume 1,343Mix 13.91% of portfolio

77/100

Strong

New YorkState

Volume 466Mix 4.83% of portfolio

73/100

Strong

IndianaState

Volume 442Mix 4.58% of portfolio

73/100

Strong

New JerseyState

Volume 300Mix 3.11% of portfolio

72/100

Strong

South CarolinaState

Volume 270Mix 2.80% of portfolio

72/100

Strong

ArizonaState

Volume 386Mix 4.00% of portfolio

71/100

Strong

TennesseeState

Volume 330Mix 3.42% of portfolio

71/100

Strong

MichiganState

Volume 434Mix 4.49% of portfolio

71/100

Strong

Showing 10 of 41 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.