American Financial Resources
We analyzed every closed loan from American Financial Resources — 3.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+62.4 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,517 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
FHA
1,527 loans · 0.95% above market
Exceptional
Top 20% of lenders
5/5
VA
418 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
USDA
206 loans · 0.56% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
3,065 loans · 0.65% above market
Strong
Top 40% of lenders
4/5
Refinance
606 loans · 0.50% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,517 | 41.3% | +0.430%Above | $2,903Fees | ||||
FHA Loans | 1,527 | 41.6% | +0.949%Above | $3,498Fees | ||||
VA Loans | 418 | 11.4% | +0.025%Above | $4,336Fees | ||||
USDA Loans | 206 | 5.6% | +0.560%Above | $2,485Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,517
Mix41.3%
Spread
+0.430%Above
Fees
$2,903Fees
FHA Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,527
Mix41.6%
Spread
+0.949%Above
Fees
$3,498Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume418
Mix11.4%
Spread
+0.025%Above
Fees
$4,336Fees
USDA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume206
Mix5.6%
Spread
+0.560%Above
Fees
$2,485Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,065 | 83.5% | +0.652%Above | $3,218Fees | ||||
Refinance | 606 | 16.5% | +0.497%Above | $3,759Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume3,065
Mix83.5%
Spread
+0.652%Above
Fees
$3,218Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume606
Mix16.5%
Spread
+0.497%Above
Fees
$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
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
49Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast8
CTMEMANHNJPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 41 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.