American Financial Resources
We analyzed every closed loan from American Financial Resources — 3.7k loans across 5k 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
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
National · 49 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 62 basis points above market average
Explore another lender or local market
Report Card
American Financial Resources performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+62.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,517 | 41.3% | +0.430%Above | $2,903Fees | ||||
FHA Loans | 1,527 | 41.6% | +0.949%Above | $3,498Fees | ||||
VA Loans | 418 | 11.4% | +0.025%Above | $4,336Fees | ||||
USDA Loans | 206 | 5.6% | +0.560%Above | $2,485Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,517
Mix41.3%
Spread
+0.430%Above
Fees
$2,903Fees
FHA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,527
Mix41.6%
Spread
+0.949%Above
Fees
$3,498Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume418
Mix11.4%
Spread
+0.025%Above
Fees
$4,336Fees
USDA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume206
Mix5.6%
Spread
+0.560%Above
Fees
$2,485Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,065 | 83.5% | +0.652%Above | $3,218Fees | ||||
Refinance | 606 | 16.5% | +0.497%Above | $3,759Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume3,065
Mix83.5%
Spread
+0.652%Above
Fees
$3,218Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume606
Mix16.5%
Spread
+0.497%Above
Fees
$3,759Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,671
Applications
5,479
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.624%
vs. market APOR
Avg Net Fees
$3,317
Origination − Credits
Pullthrough Rate
67.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$291,434
Avg Borrower Income
$123,791
Avg Property Value
$363,300
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
49Northeast8
CTMEMANHNJPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 155Mix 4.22% of portfolio
73/100
Strong
Volume 102Mix 2.78% of portfolio
68/100
Strong
Volume 69Mix 1.88% of portfolio
60/100
Sound
Volume 23Mix 0.63% of portfolio
59/100
Sound
Volume 79Mix 2.15% of portfolio
59/100
Sound
Volume 88Mix 2.40% of portfolio
59/100
Sound
Volume 46Mix 1.25% of portfolio
56/100
Sound
Volume 33Mix 0.90% of portfolio
56/100
Sound
Volume 43Mix 1.17% of portfolio
55/100
Sound
Volume 21Mix 0.57% of portfolio
54/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
KentuckyState
Volume 191Mix 5.20% of portfolio
71/100
Strong2
FloridaState
Volume 374Mix 10.19% of portfolio
67/100
Strong3
TennesseeState
Volume 177Mix 4.82% of portfolio
66/100
Strong4
OhioState
Volume 216Mix 5.88% of portfolio
66/100
Strong5
AlabamaState
Volume 115Mix 3.13% of portfolio
65/100
Strong6
LouisianaState
Volume 131Mix 3.57% of portfolio
65/100
Strong7
New JerseyState
Volume 119Mix 3.24% of portfolio
63/100
Strong8
GeorgiaState
Volume 159Mix 4.33% of portfolio
63/100
Strong9
PennsylvaniaState
Volume 149Mix 4.06% of portfolio
63/100
Strong10
VirginiaState
Volume 126Mix 3.43% of portfolio
63/100
StrongShowing 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.