# American Security Mortgage Corp.

> **Canonical URL:** https://saferate.com/lenders/american-security-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 Security Mortgage Corp. is a independent mortgage company, headquartered in Charlotte, NC, serving borrowers across 10 states, with 2,958 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 41% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300E8HNQO52YYHI82
- **Headquarters:** Charlotte, NC
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** DC, FL, GA, IL, MD, NC, OH, SC, TN, VA
- **Markets (MSAs):** 21
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.115%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,900
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,958
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 3,814
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $406,667
- **Average Borrower Income:** $177,180
- **Average Property Value:** $519,033

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 2,015 | +0.154% | $1,835 | Strong 😀 |
| FHA | 78/100 | 388 | +0.360% | $1,994 | Strong 😀 |
| VA | 82/100 | 441 | -0.433% | $2,277 | Exceptional 🤩 |
| Jumbo | 79/100 | 85 | +0.140% | $1,588 | Strong 😀 |
| USDA | 78/100 | 29 | +0.102% | $1,789 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,878 loans, Score: 78/100 (Strong)
- Refinance: 137 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 368 loans, Score: 78/100 (Strong)
- Refinance: 20 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 421 loans, Score: 83/100 (Exceptional)
- Refinance: 20 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 79 loans, Score: 80/100 (Strong)

**USDA:**
- Purchase: 29 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,775 | $1.1B | +0.121% | Exceptional 🤩 |
| Refinance | 64/100 | 183 | $74M | +0.011% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 2,629 | 1.78% | 91/100 |
| SC | 242 | 0.30% | 74/100 |
| VA | 41 | 0.04% | 50/100 |
| FL | 13 | 0.00% | 33/100 |
| GA | 12 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charlotte | NC-SC | 1,453 | 100/100 |
| Raleigh | NC | 403 | 87/100 |
| Non |  | 283 | 62/100 |
| Fayetteville, NC | NC | 151 | 82/100 |
| Wilmington, NC | NC | 99 | 76/100 |
| Durham | NC | 94 | 74/100 |
| Goldsboro, NC | NC | 75 | 89/100 |
| Greenville, NC | NC | 61 | 79/100 |
| Jacksonville, NC | NC | 50 | 67/100 |
| Asheville, NC | NC | 36 | 62/100 |
| Columbia, SC | SC | 28 | 53/100 |
| Hickory | NC | 23 | 52/100 |
| Winston | NC | 23 | 51/100 |
| Pinehurst | NC | 21 | 55/100 |
| Arlington | VA-WV | 17 | 43/100 |

## Where This Lender Ranks

American Security Mortgage Corp. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in North Carolina for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Charlotte for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Raleigh for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/raleigh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Fayetteville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Wilmington, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wilmington-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Goldsboro, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Greenville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Jacksonville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jacksonville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Asheville, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/asheville-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Fayetteville, NC for Conventional Loans
  - [View Full Rankings](https://saferate.com/fayetteville-nc/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Durham for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Goldsboro, NC for Conventional Loans
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Greenville, NC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville-nc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Greenville, NC for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville-nc/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Charlotte Mortgage Companies
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Charlotte for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Raleigh for Conventional Loans
  - [View Full Rankings](https://saferate.com/raleigh/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Goldsboro, NC Mortgage Companies
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Goldsboro, NC for FHA Loans
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Goldsboro, NC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does American Security Mortgage Corp. offer?

American Security Mortgage Corp. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American Security Mortgage Corp. offer mortgages?

American Security Mortgage Corp. offers mortgages in 10 states: DC, FL, GA, IL, MD, NC, OH, SC, TN, VA.

### How competitive are American Security Mortgage Corp.'s mortgage rates?

American Security Mortgage Corp. has a pricing score of 59/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.115% above market average.

### What type of lender is American Security Mortgage Corp.?

American Security Mortgage Corp. is a non-depository lender that specializes in mortgage origination, headquartered in Charlotte, NC.

### What is American Security Mortgage Corp.'s loan approval success rate?

American Security Mortgage Corp. has a pull-through score of 77/100 (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/american-security-mortgage

### How to Cite

> "American Security Mortgage Corp. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-security-mortgage

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