# AMERICAN BANCSHARES MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/american-bancshares-mortgage


> **📋 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


AMERICAN BANCSHARES MORTGAGE, LLC is a independent mortgage company, headquartered in MIAMI LAKES, FL, serving borrowers across 7 states, with 425 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 85% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EQED7LF41GHV46
- **Headquarters:** MIAMI LAKES, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, FL, GA, MI, NC, NY, RI
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 15/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.644%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,221
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 425
- **Dollar Volume:** $134 million
- **Applications Received:** 602
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $314,576
- **Average Borrower Income:** $122,642
- **Average Property Value:** $382,082

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 202 | +0.622% | $4,370 | Sound ☺️ |
| FHA | 72/100 | 176 | +0.766% | $3,787 | Strong 😀 |
| VA | 58/100 | 21 | -0.093% | $5,829 | Sound ☺️ |
| USDA | 78/100 | 21 | +0.565% | $3,845 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 175 loans, Score: 51/100 (Sound)
- Refinance: 27 loans, Score: 35/100 (Acceptable)

**FHA:**
- Purchase: 168 loans, Score: 72/100 (Strong)

**USDA:**
- Purchase: 21 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 387 | $122M | +0.655% | Strong 😀 |
| Refinance | 36/100 | 38 | $12M | +0.541% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 416 | 0.14% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Ocala, FL | FL | 165 | 92/100 |
| Orlando | FL | 49 | 61/100 |
| Miami | FL | 44 | 60/100 |
| Fort Lauderdale | FL | 41 | 60/100 |
| Port St. Lucie, FL | FL | 28 | 61/100 |
| Homosassa Springs, FL | FL | 14 | 54/100 |
| Lakeland | FL | 12 | 45/100 |
| Tampa, FL | FL | 10 | 40/100 |

## Where This Lender Ranks

AMERICAN BANCSHARES MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Ocala, FL for USDA Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Ocala, FL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#9** in Ocala, FL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Ocala, FL for FHA Loans
  - [View Full Rankings](https://saferate.com/ocala-fl/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Miami for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does AMERICAN BANCSHARES MORTGAGE, LLC offer?

AMERICAN BANCSHARES MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN BANCSHARES MORTGAGE, LLC offer mortgages?

AMERICAN BANCSHARES MORTGAGE, LLC offers mortgages in 7 states: AL, FL, GA, MI, NC, NY, RI.

### How competitive are AMERICAN BANCSHARES MORTGAGE, LLC's mortgage rates?

AMERICAN BANCSHARES MORTGAGE, LLC has a pricing score of 15/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.644% above market average.

### What type of lender is AMERICAN BANCSHARES MORTGAGE, LLC?

AMERICAN BANCSHARES MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in MIAMI LAKES, FL.

### What is AMERICAN BANCSHARES MORTGAGE, LLC's loan approval success rate?

AMERICAN BANCSHARES MORTGAGE, LLC has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/american-bancshares-mortgage

### How to Cite

> "AMERICAN BANCSHARES MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-bancshares-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/american-bancshares-mortgage)**