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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
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

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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
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders

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

17
17 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest8
IAILINMIMNMOOHWI
South5
ALFLNCTNTX
West4
AZCACOMT

Top Metro Areas by Place Specialization Score

1© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 1,027Mix 77.74% of portfolio
91/100
Exceptional
2© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, ILMetro
Volume 54Mix 4.09% of portfolio
71/100
Strong
3© G LeTourneau · CC BY-SA 3.0
Elgin, ILMetro
Volume 32Mix 2.42% of portfolio
58/100
Sound
4© Unknown · CC BY-SA 3.0
Champaign, ILMetro
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
6© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, INMetro
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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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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.