Affordable Mortgage Advisors
We analyzed every closed loan from Affordable Mortgage Advisors — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 24 mkts
Awards
FHA
Superstar
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
Explore another lender or local market
Report Card
Affordable Mortgage Advisors performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+51.3 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
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
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 · 25 markets
Sound
Top 60% of lenders
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 |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,337
Mix67.0%
Spread
+0.427%Above
Fees
$2,521Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume477
Mix23.9%
Spread
+0.896%Above
Fees
$2,552Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume145
Mix7.3%
Spread
+0.000%Above
Fees
$2,846Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume30
Mix1.5%
Spread
+0.726%Above
Fees
$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 |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,861
Mix93.2%
Spread
+0.515%Above
Fees
$2,535Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume135
Mix6.8%
Spread
+0.492%Above
Fees
$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
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
21Northeast2
NJPA
Midwest4
ILINOHWI
South14
ALARDCFLGALAMDMSNCSCTNTXVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Volume 609Mix 30.51% of portfolio
94/100
Exceptional
Volume 132Mix 6.61% of portfolio
89/100
Exceptional
Volume 142Mix 7.11% of portfolio
84/100
Exceptional
Volume 71Mix 3.56% of portfolio
69/100
Strong
Volume 41Mix 2.05% of portfolio
69/100
Strong
Volume 53Mix 2.66% of portfolio
66/100
Strong
Volume 95Mix 4.76% of portfolio
61/100
Strong
Volume 44Mix 2.20% of portfolio
61/100
Strong
Volume 36Mix 1.80% of portfolio
61/100
Strong
Volume 49Mix 2.45% of portfolio
58/100
SoundShowing 10 of 24 metro areas
Top States by Place Specialization Score
1
PennsylvaniaState
Volume 792Mix 39.68% of portfolio
85/100
Exceptional2
New JerseyState
Volume 191Mix 9.57% of portfolio
71/100
Strong3
FloridaState
Volume 338Mix 16.93% of portfolio
68/100
Strong4
IllinoisState
Volume 192Mix 9.62% of portfolio
68/100
Strong5
TexasState
Volume 177Mix 8.87% of portfolio
61/100
Strong6
LouisianaState
Volume 49Mix 2.45% of portfolio
55/100
Sound7
MississippiState
Volume 39Mix 1.95% of portfolio
54/100
Sound8
MarylandState
Volume 48Mix 2.40% of portfolio
53/100
Sound9
North CarolinaState
Volume 49Mix 2.45% of portfolio
50/100
Sound10
OhioState
Volume 41Mix 2.05% of portfolio
49/100
SoundShowing 10 of 13 states
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.