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American Fidelity Mortgage Services, Inc.

Wheaton, IL

American Fidelity Mortgage Services, Inc. processed 182 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 151 loans with a 3.3% denial rate. Home Purchase was the primary loan purpose. Based in Wheaton, IL. The approval rate of 83.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. American Fidelity Mortgage Services, Inc.'s 83.0% origination rate tells you how often an application turned into funded money; the 3.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (138 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

182
Applications
151
Originated
3.3%
Denial Rate
$308,626
Avg Loan Amount
Avg Interest Rate: 6.986% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 138 115 4 $310,507
FHA 41 33 2 $295,732
VA 3 3 0 $398,333

Top loan types - American Fidelity Mortgage Services, Inc.

Top loan types - American Fidelity Mortgage Services, Inc. Horizontal bar chart of the top 3 items by value (applications). Top loan types - American Fidelity Mortgage Services, Inc. Top 3 1. Conventional 138 2. FHA 41 3. VA 3 Top 5 loan types by application volume at American Fidelity Mortgage Services, Inc. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for American Fidelity Mortgage Services, Inc. (LEI: 549300O1WXPWCOK7ZU87) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
3
Collateral
2
Credit history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 151 126 $318,510
Refinancing 24 20 $300,417
Cash-out Refinancing 7 5 $123,571

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 140 82.1% 3.6%
Asian * 24 87.5% 0.0%
Black or African American * 9 66.7% 11.1%
Joint * 4 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 128 82.0% 3.1%
Hispanic or Latino * 40 82.5% 2.5%
Joint * 7 85.7% 14.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in IL

Other HMDA-reporting lenders in IL with similar activity. Compare any two side-by-side.

Guaranteed Rate, INC.

CHICAGO, IL

124,492 apps 62,820 originated 5.1% denied

BMO Harris Bank NA

Chicago, IL

42,165 apps 18,166 originated 29.4% denied

Mutual of Omaha Mortgage

Lombard, IL

34,393 apps 19,951 originated 20.2% denied

Guaranteed Rate Affinity, LLC

CHICAGO, IL

21,826 apps 14,587 originated 6.0% denied

The Federal Savings Bank

CHICAGO, IL

20,656 apps 8,146 originated 9.3% denied
Compare American Fidelity Mortgage Services, Inc. vs Guaranteed Rate, INC. →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did American Fidelity Mortgage Services, Inc. process?
American Fidelity Mortgage Services, Inc. processed 182 mortgage applications in the 2024 HMDA reporting year. Of these, 151 were originated (approved and funded), 19 were withdrawn by the applicant, and 6 were denied.
What is American Fidelity Mortgage Services, Inc.'s mortgage approval rate?
American Fidelity Mortgage Services, Inc. has an approval (origination) rate of 83.0%, meaning 83.0% of all applications resulted in a funded mortgage. The denial rate is 3.3%.
What is the average loan amount at American Fidelity Mortgage Services, Inc.?
The average mortgage loan amount at American Fidelity Mortgage Services, Inc. is $308,626. The average interest rate is 6.986%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at American Fidelity Mortgage Services, Inc.?
The most common reasons for mortgage denial at American Fidelity Mortgage Services, Inc. are: Debt-to-income ratio, Collateral, Credit history. In total, 6 applications were denied out of 182 total applications.
What types of mortgage loans does American Fidelity Mortgage Services, Inc. offer?
American Fidelity Mortgage Services, Inc. processes Conventional, FHA, VA loans. The most common type is Conventional with 138 applications and an average loan amount of $310,507.
What loan purposes does American Fidelity Mortgage Services, Inc. serve?
American Fidelity Mortgage Services, Inc. serves the following loan purposes: Home Purchase (151 applications), Refinancing (24 applications), Cash-out Refinancing (7 applications). Home Purchase is the most common purpose.
Where is American Fidelity Mortgage Services, Inc. located?
American Fidelity Mortgage Services, Inc. is headquartered in Wheaton, IL. The lender is identified by LEI 549300O1WXPWCOK7ZU87 in HMDA data.
How does American Fidelity Mortgage Services, Inc. compare in lending across racial demographics?
American Fidelity Mortgage Services, Inc. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 82.1% and denial rate of 3.6%; Asian applicants have an approval rate of 87.5% and denial rate of 0.0%; Black or African American applicants have an approval rate of 66.7% and denial rate of 11.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.