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AAFMAA Mortgage Services LLC

Independent Mortgage CompanyRaleigh, NCDirect to Consumer

Aafmaa Mortgage Services has 206 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 3 mkts
Safe Rate AwardsVA SuperstarPurchase Superstar

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Safe Rate's Summary

What They Do Well

  • Offers rates 8.00 basis points below market average
  • Lower than average lender fees

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Report Card

AAFMAA Mortgage Services LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
Rates 8.0 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Below peers
Bottom 20% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Mediocre
Sound
Acceptable
4320.9%
+0.398%Above
$1,977Fees
FHA Loans
Sound
Sound
Sound
178.3%
+0.166%Above
$1,707Fees
VA Loans
Strong
Strong
Strong
Strong
14268.9%
-0.318%Below
$854Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Sound
Strong
Strong
18087.4%
-0.059%Below
$1,131Fees
Refinance
Sound
Acceptable
Strong
Acceptable
2612.6%
-0.169%Below
$1,689Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
206
Applications
285
Volume
$79 million
Pricing & Closing
Avg Rate Spread
-0.080%
vs. market APOR
Avg Net Fees
$1,239
Origination − Credits
Pullthrough Rate
72.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$387,039
Avg Borrower Income
$131,990
Avg Property Value
$483,786

Geographic Coverage

Geographic Performance

Metro Areas
3
States Served
13
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Jacksonville, NC, NCMSA
Volume: 44Mix: 21.36%of portfolio
Place
Strong
2
Fayetteville, NC, NCMSA
Volume: 20Mix: 9.71%of portfolio
Place
Sound
3
Virginia Beach, VA-NCMSA
Volume: 13Mix: 6.31%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NCState
Volume: 128Mix: 62.14%of portfolio
Place
Strong
2
VAState
Volume: 17Mix: 8.25%of portfolio
Place
Sound
3
FLState
Volume: 14Mix: 6.80%of portfolio
Place
Sound
4
GAState
Volume: 10Mix: 4.85%of portfolio
Place
Sound

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.