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Affordable Mortgage Advisors, Llc.
Independent Mortgage Company•Pittsburgh, PA•Direct to Consumer
We analyzed every closed loan from Affordable Mortgage Advisors — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Sound
Multi-Region · 24 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 51 basis points above market average
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Report Card
Affordable Mortgage Advisors, Llc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +51.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Multi-Regional25 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,337 | 67.0% | +0.427%Above | $2,521Fees | ||||
FHA Loans | 477 | 23.9% | +0.896%Above | $2,552Fees | ||||
VA Loans | 145 | 7.3% | +0.000%Above | $2,846Fees | ||||
USDA Loans | — | 30 | 1.5% | +0.726%Above | $1,779Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,861 | 93.2% | +0.515%Above | $2,535Fees | ||||
Refinance | 135 | 6.8% | +0.492%Above | $2,735Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,996
Applications
2,691
Volume
$547 million
Pricing & Closing
Avg Rate Spread
+0.513%
vs. market APOR
Avg Net Fees
$2,549
Origination − Credits
Pullthrough Rate
74.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$274,359
Avg Borrower Income
$129,098
Avg Property Value
$333,171
Geographic Coverage
Geographic Performance
Metro Areas
24
States Served
21
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 609Mix: 30.51%of portfolio
Place
Exceptional2
Gainesville, FL, FLMSA
Volume: 132Mix: 6.61%of portfolio
Place
Exceptional3
Atlantic City, NJMSA
Volume: 142Mix: 7.11%of portfolio
Place
Exceptional4
Springfield, IL, ILMSA
Volume: 71Mix: 3.56%of portfolio
Place
Strong5
Lake Charles, LA, LAMSA
Volume: 41Mix: 2.05%of portfolio
Place
Strong6
Erie, PA, PAMSA
Volume: 53Mix: 2.66%of portfolio
Place
Strong7
Houston, TXMSA
Volume: 95Mix: 4.76%of portfolio
Place
Strong8
Deltona, FLMSA
Volume: 44Mix: 2.20%of portfolio
Place
Strong9
Gulfport, MSMSA
Volume: 36Mix: 1.80%of portfolio
Place
Strong10
Jacksonville, FL, FLMSA
Volume: 49Mix: 2.45%of portfolio
Place
SoundShowing 10 of 24 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 792Mix: 39.68%of portfolio
Place
Exceptional2
NJState
Volume: 191Mix: 9.57%of portfolio
Place
Strong3
FLState
Volume: 338Mix: 16.93%of portfolio
Place
Strong4
ILState
Volume: 192Mix: 9.62%of portfolio
Place
Strong5
TXState
Volume: 177Mix: 8.87%of portfolio
Place
Strong6
LAState
Volume: 49Mix: 2.45%of portfolio
Place
Sound7
MSState
Volume: 39Mix: 1.95%of portfolio
Place
Sound8
MDState
Volume: 48Mix: 2.40%of portfolio
Place
Sound9
NCState
Volume: 49Mix: 2.45%of portfolio
Place
Sound10
OHState
Volume: 41Mix: 2.05%of portfolio
Place
SoundShowing 10 of 13 states
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.