American Financial Network, Inc.: 2025 mortgage rates, costs & approvals
How American Financial Network, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: AMERICAN FINANCIAL NETWORK, INC. · LEI 5493008NWHQT1R22C024
In 2025, American Financial Network, Inc. originated 10,123 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 58th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 28 basis points above the national median. Median conventional loan costs were $7,220, 30% higher than the national median ($5,570).
It denied 11.8% of completed home-purchase applications (all lenders: 8.5%).
How American Financial Network, Inc. priced home-purchase loans
| Purchase loans, 2025 | American Financial Network, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.750% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 6.250% | 5.875% |
| Rate spread vs. APOR · conventional | +0.42 pts | +0.13 pts |
| Total loan costs · conventional | $7,220 | $5,570 |
| Total loan costs · FHA | $13,140 | $11,310 |
| Total loan costs · VA | $7,350 | $6,490 |
| Origination charges (all types) | $3,940 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 77.5% | 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
Why American Financial Network, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where American Financial Network, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 1,227 | 1,487 | 14.7% | 6.750% | $7,790 |
| California | 1,211 | 1,406 | 10.7% | 6.750% | $11,210 |
| Virginia | 741 | 816 | 6.2% | 6.625% | $5,970 |
| Texas | 657 | 774 | 13.4% | 6.875% | $9,490 |
| Michigan | 554 | 605 | 7.1% | 6.750% | $5,340 |
| New York | 511 | 593 | 9.8% | 7.000% | $14,960 |
| Arizona | 498 | 570 | 10.4% | 6.625% | $7,070 |
| Georgia | 436 | 553 | 20.3% | 6.750% | $5,750 |
| Indiana | 372 | 406 | 5.0% | 6.875% | $3,900 |
| South Carolina | 358 | 423 | 12.1% | 6.750% | $5,830 |
| New Jersey | 339 | 403 | 14.2% | 6.750% | $8,900 |
| Maryland | 295 | 361 | 15.0% | 6.875% | $8,820 |
| Tennessee | 266 | 302 | 10.3% | 6.750% | $5,840 |
| Nevada | 227 | 268 | 9.0% | 6.625% | $10,080 |
| Pennsylvania | 226 | 255 | 10.2% | 6.875% | $8,140 |
| Ohio | 181 | 216 | 11.8% | 6.625% | $5,840 |
| Utah | 172 | 187 | 8.2% | 6.500% | $6,290 |
| North Carolina | 168 | 195 | 7.4% | 6.500% | $6,530 |
| Illinois | 158 | 174 | 8.2% | 6.990% | $6,980 |
| Washington | 146 | 166 | 10.0% | 6.750% | $8,960 |
| Wisconsin | 123 | 138 | 6.7% | 6.875% | $3,350 |
| Oregon | 121 | 126 | 2.8% | 6.625% | $8,810 |
| Louisiana | 108 | 144 | 25.4% | — | — |
| Colorado | 108 | 136 | 17.2% | 6.500% | $7,010 |
| Oklahoma | 106 | 115 | 7.1% | 6.875% | $8,270 |
| Missouri | 105 | 123 | 23.3% | — | — |
| Massachusetts | 104 | 121 | 14.3% | 6.990% | $5,910 |
| Alabama | 92 | 123 | 25.0% | — | — |
| Kansas | 86 | 91 | 3.6% | 6.750% | $3,780 |
| Kentucky | 60 | 68 | 9.8% | — | — |
| Minnesota | 55 | 69 | 21.4% | — | — |
| New Mexico | 46 | 56 | 18.8% | — | — |
| Arkansas | 37 | 44 | 15.4% | — | — |
| Hawaii | 35 | 42 | 12.5% | — | — |
| Connecticut | 32 | 35 | — | — | — |
| Nebraska | 27 | 29 | 6.9% | — | — |
| Mississippi | 23 | 34 | 31.3% | — | — |
| Idaho | 22 | 25 | — | — | — |
| Delaware | 20 | 21 | — | — | — |
| Rhode Island | 12 | 17 | — | — | — |
| West Virginia | 12 | 12 | — | — | — |
| Wyoming | 10 | 11 | — | — | — |
| New Hampshire | 10 | 10 | — | — | — |
| Iowa | 7 | 7 | — | — | — |
| District of Columbia | 6 | 9 | — | — | — |
| Maine | 5 | 7 | — | — | — |
| Montana | 3 | 4 | — | — | — |
| Alaska | 2 | 5 | — | — | — |
| South Dakota | 1 | 2 | — | — | — |
| Vermont | 1 | 2 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open American Financial Network, Inc.'s page for that state.
Counties where American Financial Network, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jasper County, IN | 1 | 71 | 14.4% |
| Ben Hill County, GA | 2 | 12 | 11.7% |
| Newton County, IN | 1 | 25 | 11.3% |
| Monroe County, MI | 2 | 259 | 11.1% |
| Iron County, UT | 2 | 101 | 8.9% |
| Pulaski County, IN | 3 | 12 | 8.4% |
| Lafayette County, FL | 2 | 2 | 8.0% |
| Wilcox County, GA | 3 | 2 | 7.7% |
| Brown County, NE | 3 | 1 | 7.7% |
| Grant County, KS | 5 | 3 | 6.1% |
| Piute County, UT | 5 | 1 | 5.9% |
| Chautauqua County, KS | 7 | 1 | 5.3% |
| Beaver County, UT | 5 | 5 | 5.1% |
| Irwin County, GA | 8 | 2 | 4.8% |
| Montgomery County, KS | 5 | 11 | 4.7% |
Check American Financial Network, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493008NWHQT1R22C024.
- 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 Financial Network, Inc. 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