Lender in Texas · HMDA 2025
American Financing Corporation mortgages in Texas
American Financing Corporation's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
American Financing Corporation originated 267 owner-occupied single-family loans in Texas from 1,428 completed applications.
Its median conventional purchase loan costs were $7,030 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
267
of 1,428 applications
Denial rate
1.7%
Purchase · TX 10.2%
Rate spread
+0.19 pts
Conv. · TX +0.09 pts
Loan amount
$305,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 59 | 49 | 1.7% | 6.625% | +0.19 pts | $7,030 | $305,000 |
| Refinance | 622 | 30 | 90.2% | — | — | — | $255,000 |
| Cash-out refinance | 747 | 188 | 64.0% | 6.625% | +0.28 pts | $8,790 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where American Financing Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wheeler County | 8 | 1 | 3.5% |
| Franklin County | 9 | 3 | 2.6% |
| Bee County | 11 | 3 | 2.0% |
| Clay County | 15 | 2 | 1.3% |
| Lynn County | 15 | 1 | 1.5% |
| Swisher County | 15 | 1 | 1.6% |
| Mitchell County | 16 | 1 | 2.1% |
| Wilbarger County | 16 | 1 | 1.3% |
| Reeves County | 18 | 1 | 1.3% |
| Sabine County | 19 | 1 | 1.3% |
| Hutchinson County | 23 | 2 | 0.9% |
| Live Oak County | 23 | 1 | 1.3% |
| Red River County | 24 | 1 | 1.1% |
| Cass County | 25 | 2 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology