American Financial Resources, Inc.: 2025 mortgage rates, costs & approvals
How American Financial Resources, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: AMERICAN FINANCIAL RESOURCES, INC. · LEI 5493002B2WMHY23GFK92
In 2025, American Financial Resources, Inc. originated 8,278 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 48 states — 69th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 13 basis points above the national median. Median conventional loan costs were $5,700, about the same as the national median ($5,570).
It denied 6.8% of completed home-purchase applications (all lenders: 8.5%).
How American Financial Resources, Inc. priced home-purchase loans
| Purchase loans, 2025 | American Financial Resources, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.26 pts | +0.13 pts |
| Total loan costs · conventional | $5,700 | $5,570 |
| Total loan costs · FHA | $11,780 | $11,310 |
| Total loan costs · VA | $7,360 | $6,490 |
| Origination charges (all types) | $1,940 | $1,860 |
| Borrowers paying discount points | 59.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.64% | 0.87% |
| Borrowers receiving lender credits | 46.6% | 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 Resources, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where American Financial Resources, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 822 | 905 | 8.5% | 6.500% | $5,820 |
| Texas | 750 | 792 | 5.4% | 6.500% | $6,800 |
| Missouri | 458 | 476 | 2.6% | 6.625% | $5,650 |
| Ohio | 411 | 436 | 3.9% | 6.625% | $4,680 |
| Arizona | 375 | 397 | 6.1% | 6.375% | $6,970 |
| North Carolina | 360 | 386 | 6.3% | 6.500% | $5,480 |
| Pennsylvania | 356 | 383 | 5.3% | 6.625% | $6,170 |
| Georgia | 307 | 338 | 9.8% | 6.625% | $5,710 |
| Tennessee | 305 | 339 | 8.6% | 6.500% | $6,690 |
| California | 302 | 335 | 10.3% | 6.375% | $7,750 |
| Michigan | 277 | 296 | 4.6% | 6.625% | $4,030 |
| Louisiana | 255 | 274 | 5.0% | 6.500% | $5,770 |
| Virginia | 255 | 272 | 4.2% | 6.625% | $5,760 |
| New Jersey | 251 | 285 | 8.9% | 6.625% | $8,130 |
| Kentucky | 247 | 263 | 4.7% | 6.625% | $4,310 |
| Indiana | 238 | 258 | 4.8% | 6.625% | $3,550 |
| Illinois | 236 | 274 | 12.6% | 6.875% | $6,400 |
| South Carolina | 209 | 235 | 12.2% | 6.490% | $6,260 |
| Colorado | 164 | 175 | 8.2% | 6.375% | $6,690 |
| Alabama | 159 | 182 | 10.7% | 6.490% | $5,090 |
| Kansas | 150 | 157 | 4.7% | 6.490% | $4,070 |
| Utah | 134 | 140 | 3.6% | 6.490% | $5,900 |
| Arkansas | 131 | 142 | 8.6% | 6.500% | $3,710 |
| Oregon | 115 | 121 | 3.3% | 6.375% | $7,120 |
| Maryland | 101 | 118 | 11.1% | — | — |
| Minnesota | 87 | 94 | 6.3% | 6.500% | $5,630 |
| Washington | 82 | 86 | 5.1% | 6.500% | $7,220 |
| Massachusetts | 81 | 91 | 13.6% | 6.500% | $9,900 |
| Oklahoma | 71 | 81 | 9.7% | 6.625% | $4,510 |
| Nevada | 68 | 71 | 1.8% | 6.375% | $5,560 |
| New Mexico | 63 | 65 | 0.0% | 6.490% | $3,960 |
| Mississippi | 55 | 63 | 11.1% | — | — |
| Wisconsin | 54 | 57 | 0.0% | — | — |
| New Hampshire | 40 | 41 | 0.0% | — | — |
| Alaska | 39 | 43 | 7.5% | — | — |
| Idaho | 38 | 38 | 0.0% | — | — |
| Delaware | 37 | 38 | 3.6% | — | — |
| Connecticut | 32 | 38 | 19.4% | — | — |
| South Dakota | 30 | 30 | 0.0% | — | — |
| Montana | 28 | 29 | 4.5% | — | — |
| Rhode Island | 28 | 29 | 4.5% | — | — |
| Iowa | 20 | 20 | — | — | — |
| Maine | 14 | 20 | — | — | — |
| West Virginia | 13 | 17 | — | — | — |
| Nebraska | 12 | 12 | — | — | — |
| District of Columbia | 10 | 12 | — | — | — |
| Wyoming | 5 | 6 | — | — | — |
| North Dakota | 3 | 5 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open American Financial Resources, Inc.'s page for that state.
Counties where American Financial Resources, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fulton County, AR | 3 | 8 | 7.2% |
| Hartley County, TX | 4 | 4 | 7.1% |
| Dixie County, FL | 2 | 5 | 7.0% |
| Phillips County, MT | 5 | 2 | 6.5% |
| Lyman County, SD | 3 | 1 | 6.3% |
| Dallam County, TX | 5 | 3 | 5.9% |
| Aurora County, SD | 5 | 1 | 5.9% |
| Glascock County, GA | 6 | 1 | 5.6% |
| Valley County, MT | 5 | 3 | 5.0% |
| Lowndes County, AL | 5 | 2 | 4.8% |
| Oregon County, MO | 7 | 3 | 4.5% |
| Lawrence County, IL | 5 | 4 | 4.4% |
| Wheeler County, GA | 5 | 1 | 4.3% |
| Phillips County, AR | 6 | 2 | 4.2% |
| Martin County, IN | 5 | 4 | 4.1% |
Check American Financial Resources, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493002B2WMHY23GFK92.
- 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 Resources, 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