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AFFORDABLE MORTGAGE ADVISORS, LLC.
Independent Mortgage Company|Pittsburgh, PA|Multi-Region
Loans Originated
1,996
Applications
2,691
Volume
$547 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.513%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,549
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.2%
Percentage of applications that result in closed loans
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
Report Card
AFFORDABLE MORTGAGE ADVISORS, LLC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 25 metro areas · 21 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$274,359
Average Borrower Income
$129,098
Average Property Value
$333,171
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,337 | 67.0% | +0.427% | $2,521 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 477 | 23.9% | +0.896% | $2,552 |
VA Loans | Sound | Strong | Mediocre | Strong | 145 | 7.3% | +0.000% | $2,846 |
USDA Loans | Strong | Strong | N/A | Strong | 30 | 1.5% | +0.726% | $1,779 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,861 | 93.2% | +0.515% | $2,535 |
Refinance | Sound | Strong | Mediocre | Strong | 135 | 6.8% | +0.492% | $2,735 |
Geographic Coverage
Metro Areas
24
States Served
21
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
Pittsburgh, PA, PAMSA
Volume: 609Mix: 30.51%
Place Specialization
Exceptional
2
Gainesville, FL, FLMSA
Volume: 132Mix: 6.61%
Place Specialization
Exceptional
3
Atlantic City, NJMSA
Volume: 142Mix: 7.11%
Place Specialization
Exceptional
4
Springfield, IL, ILMSA
Volume: 71Mix: 3.56%
Place Specialization
Strong
5
Lake Charles, LA, LAMSA
Volume: 41Mix: 2.05%
Place Specialization
Strong
6
Erie, PA, PAMSA
Volume: 53Mix: 2.66%
Place Specialization
Strong
7
Houston, TXMSA
Volume: 95Mix: 4.76%
Place Specialization
Strong
8
Deltona, FLMSA
Volume: 44Mix: 2.20%
Place Specialization
Strong
9
Gulfport, MSMSA
Volume: 36Mix: 1.80%
Place Specialization
Strong
10
Jacksonville, FL, FLMSA
Volume: 49Mix: 2.45%
Place Specialization
Sound
Showing 10 of 24 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 792Mix: 39.68%
Place Specialization
Exceptional
2
NJState
Volume: 191Mix: 9.57%
Place Specialization
Strong
3
FLState
Volume: 338Mix: 16.93%
Place Specialization
Strong
4
ILState
Volume: 192Mix: 9.62%
Place Specialization
Strong
5
TXState
Volume: 177Mix: 8.87%
Place Specialization
Strong
6
LAState
Volume: 49Mix: 2.45%
Place Specialization
Sound
7
MSState
Volume: 39Mix: 1.95%
Place Specialization
Sound
8
MDState
Volume: 48Mix: 2.40%
Place Specialization
Sound
9
NCState
Volume: 49Mix: 2.45%
Place Specialization
Sound
10
OHState
Volume: 41Mix: 2.05%
Place Specialization
Sound
Showing 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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