American Financing Corporation denied 71.0% of its 11,062 decisioned FHA applications in 2025 — rank #2 of the 100 largest FHA lenders, above the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: credit history (39.6%), other (32.6%), debt-to-income (15.0%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
| State | FHA apps | Denial rate |
|---|---|---|
| CO | 2,022 | 65.5% |
| GA | 1,495 | 75.3% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. American Financing Corporation did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.