American Federal Mortgage Corporation: 2025 mortgage rates, costs & approvals
How American Federal Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: AMERICAN FEDERAL MORTGAGE CORPORATION · LEI 549300KWKWPEKL40WD44
In 2025, American Federal Mortgage Corporation originated 764 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 14 states — 563rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 32 basis points below the national median. Median conventional loan costs were $5,270, 5% lower than the national median ($5,570).
It denied 3.9% of completed home-purchase applications (all lenders: 8.5%).
How American Federal Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | American Federal Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.500% | 5.875% |
| Rate spread vs. APOR · conventional | −0.19 pts | +0.13 pts |
| Total loan costs · conventional | $5,270 | $5,570 |
| Total loan costs · FHA | $10,720 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,150 | $1,860 |
| Borrowers paying discount points | 19.5% | 51.3% |
| Points paid, when paid (% of loan) | 0.25% | 0.87% |
| Borrowers receiving lender credits | 97.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where American Federal Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New Jersey | 381 | 400 | 5.2% | 6.375% | $5,410 |
| Pennsylvania | 122 | 124 | 2.3% | 6.375% | $5,480 |
| Florida | 63 | 68 | 7.1% | 6.490% | $4,470 |
| Texas | 39 | 42 | 0.0% | — | — |
| North Carolina | 32 | 32 | — | — | — |
| Georgia | 30 | 33 | — | — | — |
| New York | 24 | 24 | 0.0% | — | $5,820 |
| South Carolina | 18 | 18 | — | — | — |
| Delaware | 13 | 13 | — | — | — |
| Connecticut | 12 | 12 | — | — | — |
| Tennessee | 10 | 11 | — | — | — |
| Illinois | 10 | 10 | — | — | — |
| Maryland | 5 | 6 | — | — | — |
| Massachusetts | 5 | 5 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open American Federal Mortgage Corporation's page for that state.
Counties where American Federal Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Warren County, GA | 13 | 1 | 3.2% |
| Somerset County, NJ | 21 | 45 | 1.1% |
| Morris County, NJ | 25 | 50 | 0.8% |
| Sussex County, NJ | 25 | 18 | 0.8% |
Check American Federal Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300KWKWPEKL40WD44.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from American Federal Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology