{
  "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
  "summary": "American Financial Resources, LLC (company NMLS 2826) is a mortgage lender. LenDb lists 15 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
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    "slug": "american-financial-resources-llc-2826",
    "canonical_url": "https://lendb.ai/lender/american-financial-resources-llc-2826",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2826",
    "name": {
      "value": "American Financial Resources, LLC",
      "source": "state_regulator",
      "source_url": "https://www.elend.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": {
      "value": "https://www.elend.com",
      "source": "state_regulator",
      "source_url": "https://www.elend.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.elend.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.926,
      "includes_brokered": true,
      "years": [
        {
          "year": 2025,
          "loans": 11444,
          "by_loan_type": {
            "conventional": 4535,
            "fha": 4846,
            "va": 1590,
            "usda": 473
          },
          "purchase": 9328,
          "refinance": 2116,
          "other_purpose": 0,
          "jumbo": 39,
          "investor": 731,
          "volume_usd": 3436360000
        },
        {
          "year": 2024,
          "loans": 5214,
          "by_loan_type": {
            "conventional": 1720,
            "fha": 2531,
            "va": 697,
            "usda": 266
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          "purchase": 4376,
          "refinance": 838,
          "other_purpose": 0,
          "jumbo": 22,
          "investor": 380,
          "volume_usd": 1412450000
        }
      ],
      "top_states": [
        {
          "state": "FL",
          "loans": 1201
        },
        {
          "state": "TX",
          "loans": 938
        },
        {
          "state": "NC",
          "loans": 727
        },
        {
          "state": "AZ",
          "loans": 557
        },
        {
          "state": "MO",
          "loans": 535
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 15,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 598826,
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      "full_name": "Calvin Park",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/calvin-park-598826"
    },
    {
      "nmls_id": 50002,
      "slug": "christopher-guerin-50002",
      "full_name": "Christopher Guerin",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/christopher-guerin-50002"
    },
    {
      "nmls_id": 95025,
      "slug": "elvis-santana-95025",
      "full_name": "Elvis Santana",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/elvis-santana-95025"
    },
    {
      "nmls_id": 1037823,
      "slug": "frank-lopuski-1037823",
      "full_name": "Frank Lopuski",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/frank-lopuski-1037823"
    },
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      "slug": "joseph-amelio-88855",
      "full_name": "Joseph Amelio",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joseph-amelio-88855"
    },
    {
      "nmls_id": 1630929,
      "slug": "joseph-bates-1630929",
      "full_name": "Joseph Bates",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joseph-bates-1630929"
    },
    {
      "nmls_id": 410368,
      "slug": "lauren-pomeroy-410368",
      "full_name": "Lauren Pomeroy",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lauren-pomeroy-410368"
    },
    {
      "nmls_id": 171909,
      "slug": "louis-esa-171909",
      "full_name": "Louis Esa",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/louis-esa-171909"
    },
    {
      "nmls_id": 1114744,
      "slug": "marc-thomas-1114744",
      "full_name": "Marc Thomas",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/marc-thomas-1114744"
    },
    {
      "nmls_id": 1567488,
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      "full_name": "Melissa Rzucidlo",
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      "canonical_url": "https://lendb.ai/lo/melissa-rzucidlo-1567488"
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      "full_name": "Michael Brenning",
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      "canonical_url": "https://lendb.ai/lo/michael-brenning-1667787"
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      "full_name": "Robert Pirchala",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/robert-pirchala-49975"
    },
    {
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      "slug": "timothy-cooley-110263",
      "full_name": "Timothy Cooley",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/timothy-cooley-110263"
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    {
      "nmls_id": 1303043,
      "slug": "vincent-tunnero-1303043",
      "full_name": "Vincent Tunnero",
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      "branch_city": null,
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      "canonical_url": "https://lendb.ai/lo/vincent-tunnero-1303043"
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      "full_name": "William Carroll",
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      "canonical_url": "https://lendb.ai/lo/william-carroll-136554"
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  ]
}