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A & N MORTGAGE SERVICES, INC.
Independent Mortgage Company|SPRINGFIELD, IL|Multi-Region
Loans Originated
1,321
Applications
1,321
Volume
$478 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.343%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,610
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
100.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
A & N MORTGAGE SERVICES, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 7 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$361,964
Average Borrower Income
$168,883
Average Property Value
$477,521
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,235 | 93.5% | +0.331% | $1,622 |
FHA Loans | Strong | Strong | Sound | Exceptional | 56 | 4.2% | +0.567% | $1,247 |
VA Loans | Sound | Sound | N/A | N/A | 17 | 1.3% | -0.057% | $2,465 |
Jumbo Loans | Strong | Strong | N/A | N/A | 13 | 1.0% | +0.245% | $2,131 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 1,148 | 86.9% | +0.379% | $1,803 |
Refinance | Strong | Strong | Strong | Exceptional | 173 | 13.1% | +0.135% | $496 |
Geographic Coverage
Metro Areas
6
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACOFLIAILINMIMNMOMTNCOHTNTXWI
Top Metro Areas by Place Specialization Score
1
Chicago, ILMSA
Volume: 1,027Mix: 77.74%
Place Specialization
Exceptional
2
Lake County, IL, ILMSA
Volume: 54Mix: 4.09%
Place Specialization
Strong
3
Elgin, IL, ILMSA
Volume: 32Mix: 2.42%
Place Specialization
Sound
4
Champaign, ILMSA
Volume: 19Mix: 1.44%
Place Specialization
Sound
5
Milwaukee, WIMSA
Volume: 27Mix: 2.04%
Place Specialization
Sound
6
Lake County, INMSA
Volume: 12Mix: 0.91%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 1,149Mix: 86.98%
Place Specialization
Exceptional
2
WIState
Volume: 46Mix: 3.48%
Place Specialization
Sound
3
INState
Volume: 27Mix: 2.04%
Place Specialization
Sound
4
MIState
Volume: 26Mix: 1.97%
Place Specialization
Sound
5
OHState
Volume: 14Mix: 1.06%
Place Specialization
Acceptable
6
FLState
Volume: 17Mix: 1.29%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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