# A & N MORTGAGE SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/a-n-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


A & N MORTGAGE SERVICES, INC. is a independent mortgage company, headquartered in SPRINGFIELD, IL, serving borrowers across 17 states, with 1,321 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ANF834QIIFUE57
- **Headquarters:** SPRINGFIELD, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** AL, AZ, CA, CO, FL, IA, IL, IN, MI, MN, MO, MT, NC, OH, TN, TX, WI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.4%
- **Brokered/Wholesale:** 0.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.343%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,610
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,321
- **Dollar Volume:** $478 million
- **Applications Received:** 1,321
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $361,964
- **Average Borrower Income:** $168,883
- **Average Property Value:** $477,521

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 1,235 | +0.331% | $1,622 | Strong 😀 |
| FHA | 60/100 | 56 | +0.567% | $1,247 | Strong 😀 |
| VA | 60/100 | 17 | -0.057% | $2,465 | Sound ☺️ |
| Jumbo | 62/100 | 13 | +0.245% | $2,131 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,071 loans, Score: 68/100 (Strong)
- Refinance: 164 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 49 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 1,148 | $418M | +0.379% | Strong 😀 |
| Refinance | 62/100 | 173 | $60M | +0.135% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 1,149 | 0.92% | 90/100 |
| WI | 46 | 0.07% | 54/100 |
| IN | 27 | 0.03% | 47/100 |
| MI | 26 | 0.02% | 46/100 |
| FL | 17 | 0.01% | 37/100 |
| OH | 14 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 1,027 | 91/100 |
| Lake County, IL | IL | 54 | 71/100 |
| Elgin, IL | IL | 32 | 58/100 |
| Milwaukee | WI | 27 | 51/100 |
| Non |  | 25 | 28/100 |
| Champaign | IL | 19 | 53/100 |
| Lake County | IN | 12 | 43/100 |

## Where This Lender Ranks

A & N MORTGAGE SERVICES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Chicago Mortgage Companies
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Illinois for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Chicago for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Illinois Mortgage Companies
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Chicago for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Chicago for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Illinois for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in Illinois for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Champaign for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Lake County, IL Mortgage Companies
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Chicago for FHA Loans
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Lake County, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Illinois for FHA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Chicago
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders)
- 🏆 **#18** in Illinois for Jumbo Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Chicago for Jumbo Loans
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Elgin, IL Mortgage Companies
  - [View Full Rankings](https://saferate.com/elgin-il/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Chicago for Conventional Loans
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Champaign for Conventional Loans
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does A & N MORTGAGE SERVICES, INC. offer?

A & N MORTGAGE SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does A & N MORTGAGE SERVICES, INC. offer mortgages?

A & N MORTGAGE SERVICES, INC. offers mortgages in 17 states: AL, AZ, CA, CO, FL, IA, IL, IN, MI, MN, MO, MT, NC, OH, TN, TX, WI.

### How competitive are A & N MORTGAGE SERVICES, INC.'s mortgage rates?

A & N MORTGAGE SERVICES, INC. has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.343% above market average.

### What type of lender is A & N MORTGAGE SERVICES, INC.?

A & N MORTGAGE SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SPRINGFIELD, IL.

### What is A & N MORTGAGE SERVICES, INC.'s loan approval success rate?

A & N MORTGAGE SERVICES, INC. has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/a-n-mortgage-services

### How to Cite

> "A & N MORTGAGE SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/a-n-mortgage-services

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