AFI Financial Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores AFI Financial
AFI Financial is a mortgage broker, not a direct lender — it doesn't originate loans itself. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 2 states; 100+ in 1. No lending-reach data from this broker, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
If a loan doesn’t close within 21 days, AFI Financial pays you $1,000 (restrictions apply) — a specific guarantee rather than a vague promise of speed. It’s licensed in five states (Colorado, Florida, Michigan, Texas and Virginia) with a fixed-rate, ARM, FHA and VA menu; jumbo and USDA aren’t offered.
AFI has carried an A+ BBB rating since 2003, though it isn’t accredited, and its pricing holds up: rates beat about 87% of comparable lenders, with extra costs lower than most of the brokers we track.
At a glance
Good for FHA, VA or standard fixed-rate borrowers in Colorado, Florida, Michigan, Texas or Virginia who want a guaranteed speedy closing. Not a good fit if you need a jumbo loan — that’s not part of its stated menu.
What consumers say
Summary: AFI Financial reviewers most often credit the loan officer with clear, thorough answers to their questions. A smaller but still sizable group also describes a team that responds quickly once contacted.
AFI Financial - great experience
David was super available, attentive, and made sure the process kept moving forward very smoothly. We had immediate answers to our questions and the processing was very fast and efficient. Overall, an excellent experience! Highly recommend.
Paul · New Jersey
Great overall experience
David was attentive, prompt, and professional at all times. He answered all questions with no hesitation any time I asked. For a 1st time home buyer you could imagine I had a lot lol. We had a couple of hiccups along the way (no fault of ours) but he kept me informed about everything every step of the way. I would highly recommend David to anyone interested in buying a home.
Jaquanta M. · Virginia
They made it soooo easy!!
When my husband and I finally made the difficult decision to downsize, I reached out to a few lenders to get quotes. David at AFI responded in person (vs the auto-phone follow ups I received from other lenders) and was very patient and respectful, as we were moving rather slowly at first through the pre-approval process. Once we had identified a target property, things moved very quickly and David was with me every step of the way. He answered every question I had and provided regular updates. His final solution for my mortgage loan was perfect for our needs and got us the best rate available at the time. David was great to work with, and I highly recommend him and AFI Financial. They were and continue to be very supportive.
Judy C. · SE Michigan
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