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 score and performance metrics.

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 an overall pricing score of 22.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is AMERICAN FINANCIAL RESOURCES, INC.?

AMERICAN FINANCIAL RESOURCES, INC. is a Independent Mortgage Company headquartered in Parsippany-Troy Hills, NJ.

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American Financial Resources, Inc.

Independent Mortgage Company•Parsippany-Troy Hills, NJ•Direct to Consumer

We analyzed every closed loan from American Financial Resources — 3.7k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · VA · USDA

Place

Sound

National · 49 mkts

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Safe Rate's 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, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +62.4 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
USDA	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National50 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Sound	1,517	41.3%	+0.430%Above	$2,903Fees
FHA Loans	Sound	Exceptional	Acceptable	Strong	1,527	41.6%	+0.949%Above	$3,498Fees
VA Loans	Acceptable	Strong	Mediocre	Sound	418	11.4%	+0.025%Above	$4,336Fees
USDA Loans	Sound	Exceptional	Mediocre	Strong	206	5.6%	+0.560%Above	$2,485Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	3,065	83.5%	+0.652%Above	$3,218Fees
Refinance	Sound	Strong	Acceptable	Sound	606	16.5%	+0.497%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

Top Metro Areas by Place Specialization Score

Cincinnati, OHMSA

Volume: 155Mix: 4.22%of portfolio

Place

Strong

Louisville/Jefferson County, KY, KY-INMSA

Volume: 102Mix: 2.78%of portfolio

Place

Strong

Charlotte, NC-SCMSA

Volume: 69Mix: 1.88%of portfolio

Place

Sound

Dothan, AL, ALMSA

Volume: 23Mix: 0.63%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 79Mix: 2.15%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 88Mix: 2.40%of portfolio

Place

Sound

Knoxville, TN, TNMSA

Volume: 46Mix: 1.25%of portfolio

Place

Sound

Springfield, MO, MOMSA

Volume: 33Mix: 0.90%of portfolio

Place

Sound

Jacksonville, FL, FLMSA

Volume: 43Mix: 1.17%of portfolio

Place

Sound

Lake Charles, LA, LAMSA

Volume: 21Mix: 0.57%of portfolio

Place

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

KYState

Volume: 191Mix: 5.20%of portfolio

Place

Strong

FLState

Volume: 374Mix: 10.19%of portfolio

Place

Strong

TNState

Volume: 177Mix: 4.82%of portfolio

Place

Strong

OHState

Volume: 216Mix: 5.88%of portfolio

Place

Strong

ALState

Volume: 115Mix: 3.13%of portfolio

Place

Strong

LAState

Volume: 131Mix: 3.57%of portfolio

Place

Strong

NJState

Volume: 119Mix: 3.24%of portfolio

Place

Strong

GAState

Volume: 159Mix: 4.33%of portfolio

Place

Strong

PAState

Volume: 149Mix: 4.06%of portfolio

Place

Strong

VAState

Volume: 126Mix: 3.43%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.