Question 1

What are American Financial Network's average closing costs?

Accepted Answer

Based on 11,510 homebuyer-submitted Closing Disclosures, American Financial Network's median total closing costs are $10,334. This is about 217% above the $3,257 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does American Financial Network charge junk fees?

Accepted Answer

None of the 11,510 Closing Disclosures we've analyzed for American Financial Network included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do American Financial Network's fees compare to other lenders?

Accepted Answer

American Financial Network currently holds a grade of F on Fair Closing Check, placing them significantly above the national average — a red flag worth investigating before closing. Their median closing costs of $10,334 are about 217% above the $3,257 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with American Financial Network?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, American Financial Network's origination fee (avg $5,988 vs $1,618 peer avg) and underwriting fee (avg $1,568 vs $1,546 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on American Financial Network's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for American Financial Network, three fee categories tend to run above comparable lenders: lender credits (avg $5,396 vs $358 peer avg, +$5,037) and origination fee (avg $5,988 vs $1,618 peer avg, +$4,369). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do American Financial Network's closing costs vary by state?

Accepted Answer

American Financial Network's closing costs vary significantly by state. Based on the 49 states in our database with at least 3 reports, median total closing costs range from $5,299 in Kansas to $15,092 in Montana — a $9,793 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$5,988	$1,618	🔺 High
lender_credits	$5,396	$358	🔺 High
Title Insurance	$3,363	$3,405	🟡 Average
Underwriting Fee	$1,568	$1,546	🟡 Average
Appraisal	$1,117	$1,125	🟡 Average
Settlement/Closing Fee	$1,056	$1,053	🟡 Average
Processing Fee	$844	$841	🟡 Average
Title Search	$407	$412	🟡 Average
Recording Fee	$354	$364	🟡 Average
Rate Lock Fee	$331	$370	🟢 Below Avg
Document Preparation	$181	$159	🔴 Above Avg
Tax Service Fee	$133	$135	🟡 Average
Credit Report	$74	$71	🟡 Average
Wire Transfer Fee	$72	$72	🟡 Average
Courier/Delivery	$62	$63	🟡 Average
Flood Certification	$25	$25	🟡 Average

American Financial Network

American Financial Network Closing Cost Breakdown

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