AMERICAN FINANCIAL RESOURCES, INC.

11,444 mortgages originated in 2025 across 35 states, and what they cost borrowers.

Loans originated

11,444

Median rate

6.500%

Median lender fees

$8,611

Median loan amount

$265,000

Median spread over APOR

0.368

Paid discount points

57.6%

Received lender credits

45.3%

Purchases / refinances

81.5% / 18.5%

Conventional / FHA / VA

39.6% / 42.3% / 13.9%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.8% of loans here — see methodology.

Where AMERICAN FINANCIAL RESOURCES, INC. lent

States with at least 50 loans in 2025, ranked by volume.