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AAFMAA Mortgage Services

Independent Mortgage Company•Raleigh, NCHQ•Direct•Reviews near you on Google

AAFMAA Mortgage Services has 206 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 3 mkts
Safe Rate Awards
VA Superstar
VA
Superstar

Safe Rate 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 performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 8.0 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing
Sound
Pull Through
Acceptable
Volume43
Mix20.9%
Spread
+0.398%Above
Fees
$1,977Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume17
Mix8.3%
Spread
+0.166%Above
Fees
$1,707Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume142
Mix68.9%
Spread
-0.318%Below
Fees
$854Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume180
Mix87.4%
Spread
-0.059%Below
Fees
$1,131Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume26
Mix12.6%
Spread
-0.169%Below
Fees
$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
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

13
13 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South9
ALFLGAMDNCSCTNTXVA
West4
AZCACOWA

Top Metro Areas by Place Specialization Score

1© DXR · CC BY-SA 4.0
Jacksonville, NCMetro
Volume 44Mix 21.36% of portfolio
75/100
Strong
2© Brandonrush · CC BY-SA 3.0
Fayetteville, NCMetro
Volume 20Mix 9.71% of portfolio
58/100
Sound
3© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 13Mix 6.31% of portfolio
46/100
Sound

Top States by Place Specialization Score

North Carolina
North Carolina
1
North CarolinaState
Volume 128Mix 62.14% of portfolio
67/100
Strong
Virginia
Virginia
2
VirginiaState
Volume 17Mix 8.25% of portfolio
47/100
Sound
Florida
Florida
3
FloridaState
Volume 14Mix 6.80% of portfolio
40/100
Sound
Georgia
Georgia
4
GeorgiaState
Volume 10Mix 4.85% of portfolio
40/100
Sound

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.