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AAFMAA Mortgage Services LLC
Independent Mortgage Company|Raleigh, NC|Multi-Region
Loans Originated
206
Applications
285
Volume
$79 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.080%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,239
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 8.00 basis points below market average
- Lower than average lender fees
Report Card
AAFMAA Mortgage Services LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Mediocre | Below peers | |
FHA | Sound | Industry Standard | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$387,039
Average Borrower Income
$131,990
Average Property Value
$483,786
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Mediocre | Sound | Acceptable | 43 | 20.9% | +0.398% | $1,977 |
FHA Loans | Sound | Sound | N/A | Sound | 17 | 8.3% | +0.166% | $1,707 |
VA Loans | Strong | Strong | Strong | Strong | 142 | 68.9% | -0.318% | $854 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Strong | Strong | 180 | 87.4% | -0.059% | $1,131 |
Refinance | Sound | Acceptable | Strong | Acceptable | 26 | 12.6% | -0.169% | $1,689 |
Geographic Coverage
Metro Areas
3
States Served
13
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLGAMDNCSCTNTXVAWA
Top Metro Areas by Place Specialization Score
1
Jacksonville, NC, NCMSA
Volume: 44Mix: 21.36%
Place Specialization
Strong
2
Fayetteville, NC, NCMSA
Volume: 20Mix: 9.71%
Place Specialization
Sound
3
Virginia Beach, VA-NCMSA
Volume: 13Mix: 6.31%
Place Specialization
Sound
Top States by Place Specialization Score
1
NCState
Volume: 128Mix: 62.14%
Place Specialization
Strong
2
VAState
Volume: 17Mix: 8.25%
Place Specialization
Sound
3
FLState
Volume: 14Mix: 6.80%
Place Specialization
Sound
4
GAState
Volume: 10Mix: 4.85%
Place Specialization
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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