American Internet Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
18th22.2% deniedPricingmedian rate spread over APOR, weight 30%
93rd-0.20 ptsProcesswithdrawn + incomplete share, weight 15%
4th38.3%Closing coststotal loan costs ÷ loan amount, weight 10%
86th1.33% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,373 | 674 | 17.3% | 25.9% | 6.38% | $200M |
| 2024 | 1,629 | 794 | 17.4% | 26.1% | 6.50% | $254M |
| 2025 | 2,879 | 1,363 | 13.7% | 22.2% | 6.00% | $467M |
What American Internet Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 730 investment properties.
Why American Internet Mortgage denies applications
Primary reason reported for each of the 394 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Internet Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 86 | 28 | 59.2% |
| $50k – $100k | 465 | 201 | 32.0% |
| $100k – $150k | 674 | 332 | 21.2% |
| $150k – $250k | 1,053 | 527 | 15.4% |
| Over $250k | 581 | 275 | 15.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 8 | 38.5% |
| 25–34 | 524 | 209 | 22.7% |
| 35–44 | 881 | 402 | 19.5% |
| 45–54 | 735 | 387 | 19.1% |
| 55–64 | 487 | 244 | 25.2% |
| 65–74 | 179 | 93 | 27.3% |
| Over 74 | 47 | 20 | 44.7% |
Where American Internet Mortgage lends
51 states and 716 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 436 | 220 | 14.9% | 6.13% | #279 |
| Texas | 206 | 86 | 21.4% | 6.00% | #412 |
| North Carolina | 151 | 59 | 16.6% | 6.00% | #268 |
| Florida | 108 | 51 | 15.7% | 6.00% | #469 |
| Arizona | 105 | 58 | 11.4% | 6.38% | #236 |
| Georgia | 101 | 45 | 11.9% | 6.38% | #335 |
| New Jersey | 97 | 36 | 13.4% | 6.00% | #269 |
| Washington | 89 | 44 | 10.1% | 5.88% | #248 |
| Ohio | 88 | 40 | 12.5% | 5.94% | #344 |
| Tennessee | 87 | 44 | 13.8% | 6.19% | #346 |
| Illinois | 86 | 41 | 7.0% | 5.88% | #367 |
| Virginia | 79 | 33 | 21.5% | 6.13% | #312 |
| Indiana | 76 | 39 | 6.6% | 6.38% | #304 |
| Michigan | 75 | 39 | 9.3% | 6.13% | #308 |
| Missouri | 75 | 35 | 5.3% | 6.13% | #300 |
| South Carolina | 71 | 35 | 12.7% | 6.00% | #293 |
| Colorado | 70 | 35 | 11.4% | 6.00% | #265 |
| Nevada | 70 | 31 | 18.6% | 6.13% | #177 |
| Maryland | 62 | 24 | 11.3% | 5.69% | #295 |
| Minnesota | 62 | 23 | 12.9% | 6.00% | #263 |
| Pennsylvania | 54 | 26 | 5.6% | 5.94% | #484 |
| Oregon | 49 | 22 | 16.3% | 5.75% | #227 |
| Utah | 48 | 28 | 12.5% | 5.88% | #174 |
| Oklahoma | 43 | 18 | 14.0% | 6.00% | #272 |
| Alabama | 41 | 22 | 4.9% | 6.00% | #328 |
| Massachusetts | 38 | 20 | 7.9% | 5.63% | #358 |
| New York | 37 | 15 | 21.6% | 5.63% | #362 |
| Arkansas | 29 | 13 | 20.7% | 6.00% | #253 |
| Connecticut | 29 | 15 | 20.7% | 5.75% | #261 |
| Kentucky | 28 | 14 | 21.4% | 6.06% | #319 |
| Louisiana | 27 | 19 | 11.1% | 6.50% | #298 |
| Wisconsin | 24 | 15 | 4.2% | 5.50% | #403 |
| Delaware | 23 | 10 | 21.7% | 6.19% | #172 |
| Idaho | 23 | 15 | 0.0% | 6.38% | #214 |
| New Mexico | 23 | 14 | 21.7% | 6.56% | #190 |
| Maine | 20 | 9 | 25.0% | 6.00% | #176 |
| New Hampshire | 17 | 7 | 5.9% | 6.13% | #206 |
| Montana | 16 | 6 | 6.3% | 5.38% | #150 |
| Rhode Island | 16 | 11 | 12.5% | 6.13% | #164 |
| Kansas | 15 | 8 | 20.0% | 6.25% | #317 |
| Nebraska | 14 | 4 | 21.4% | 5.44% | #227 |
| Hawaii | 13 | 5 | 7.7% | 6.00% | #157 |
| West Virginia | 11 | 3 | 9.1% | 5.50% | #245 |
| District of Columbia | 10 | 3 | 20.0% | 6.00% | #186 |
| Mississippi | 10 | 8 | 0.0% | 6.38% | #285 |
| South Dakota | 7 | 5 | 0.0% | 5.50% | #156 |
| Alaska | 6 | 3 | 16.7% | 6.75% | #132 |
| Iowa | 5 | 2 | 0.0% | 7.00% | #423 |
Frequently asked questions
American Internet Mortgage denied 22.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of mid-size mortgage lenders.
The most common reason American Internet Mortgage gave in 2025 was "debt-to-income ratio", cited on 46.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Internet Mortgage originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 39% of its applications were for home purchases, 53% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.