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NMS

A & N Mortgage Services

Independent Mortgage Company•Springfield, ILHQ•Direct•Reviews near you on Google

We analyzed every closed loan from A & N Mortgage Services — 1.3k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and Jumbo loans

Explore another lender or local market

Report Card

A & N Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+34.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,235 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
56 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
VA
17 loans · 0.06% below market
Sound
Top 60% of lenders
3/5
Jumbo
13 loans · 0.24% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,148 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
Refinance
173 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,235
Mix93.5%
Spread
+0.331%Above
Fees
$1,622Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume56
Mix4.2%
Spread
+0.567%Above
Fees
$1,247Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume17
Mix1.3%
Spread
-0.057%Below
Fees
$2,465Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume13
Mix1.0%
Spread
+0.245%Above
Fees
$2,131Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,148
Mix86.9%
Spread
+0.379%Above
Fees
$1,803Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume173
Mix13.1%
Spread
+0.135%Above
Fees
$496Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,321
Applications
1,321
Volume
$478 million
Pricing & Closing
Avg Rate Spread
+0.343%
vs. market APOR
Avg Net Fees
$1,610
Origination − Credits
Pullthrough Rate
100.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$361,964
Avg Borrower Income
$168,883
Avg Property Value
$477,521

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

17Full-year 2024 · HMDA
17 states with loan originations
Loans originated
< 2020–5050+None
Midwest8
IAILINMIMNMOOHWI
South5
ALFLNCTNTX
West4
AZCACOMT

Top Metro Areas by Place Specialization Score

Volume 1,027Mix 77.74% of portfolio
91/100
Exceptional
Volume 54Mix 4.09% of portfolio
71/100
Strong
Volume 32Mix 2.42% of portfolio
58/100
Sound
Volume 19Mix 1.44% of portfolio
53/100
Sound
5© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 27Mix 2.04% of portfolio
51/100
Sound
Volume 12Mix 0.91% of portfolio
43/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 1,149Mix 86.98% of portfolio
90/100
Exceptional
Wisconsin
Wisconsin
2
WisconsinState
Volume 46Mix 3.48% of portfolio
54/100
Sound
Indiana
Indiana
3
IndianaState
Volume 27Mix 2.04% of portfolio
47/100
Sound
Michigan
Michigan
4
MichiganState
Volume 26Mix 1.97% of portfolio
46/100
Sound
Ohio
Ohio
5
OhioState
Volume 14Mix 1.06% of portfolio
39/100
Acceptable
Florida
Florida
6
FloridaState
Volume 17Mix 1.29% of portfolio
37/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.