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ALL CREDIT CONSIDERED MORTGAGE, INC.

Independent Mortgage Company|ROCKVILLE, MD|Near-National
Loans Originated
976
Applications
1,895
Volume
$404 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Acceptable

Pricing and Pullthrough Overview

Average Rate Spread
+1.362%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$7,136
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
51.5%
Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

  • Nationwide availability with consistent service

Things to Think About

  • Rates typically 136 basis points above market average
  • Higher than average fees ($7,136)
  • Pull through efficiency is below industry average

Report Card

ALL CREDIT CONSIDERED MORTGAGE, INC. performance at a glance

CategoryRatingGradeDetails
Pricing
Rate competitiveness
MediocreBelow peers
Pull Through
Closing Strength
AcceptableNear industry average
Products
Loan Type Specialists
Specialization score by loan product
Conventional
SoundIndustry Standard
Jumbo
StrongHighly Competitive
Purpose
Reason specialization
Specialization score by loan purpose
Purchase
SoundIndustry Standard
Refinance
SoundIndustry Standard
Places
Geographic coverage
SoundNear-National · 30 metro areas · 30 states
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount
$414,139
Average Borrower Income
$289,316
Average Property Value
$567,326

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Mediocre
Acceptable
91693.9%+1.380%$7,120
Jumbo Loans
Sound
Strong
N/A
Sound
606.1%+0.339%$8,049

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Acceptable
82284.2%+1.334%$7,424
Refinance
Acceptable
Sound
Mediocre
Acceptable
15415.8%+1.425%$6,488

Geographic Coverage

Metro Areas
29
States Served
30
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
Houston, TXMSA
Volume: 71Mix: 7.27%
Place Specialization
Sound
2
Washington, DC, DC-MDMSA
Volume: 31Mix: 3.18%
Place Specialization
Sound
3
Los Angeles, CAMSA
Volume: 44Mix: 4.51%
Place Specialization
Sound
4
Baltimore, MDMSA
Volume: 35Mix: 3.59%
Place Specialization
Sound
5
Arlington, VA-WVMSA
Volume: 35Mix: 3.59%
Place Specialization
Sound
6
Newark, NJ, NJMSA
Volume: 26Mix: 2.66%
Place Specialization
Sound
7
Riverside, CAMSA
Volume: 30Mix: 3.07%
Place Specialization
Sound
8
Orlando, FLMSA
Volume: 27Mix: 2.77%
Place Specialization
Sound
9
Charlotte, NC-SCMSA
Volume: 26Mix: 2.66%
Place Specialization
Sound
10
Dallas, TXMSA
Volume: 25Mix: 2.56%
Place Specialization
Sound
Showing 10 of 29 metro areas

Top States by Place Specialization Score

1
NJState
Volume: 87Mix: 8.91%
Place Specialization
Strong
2
CAState
Volume: 163Mix: 16.70%
Place Specialization
Strong
3
MDState
Volume: 83Mix: 8.50%
Place Specialization
Strong
4
TXState
Volume: 143Mix: 14.65%
Place Specialization
Strong
5
FLState
Volume: 112Mix: 11.48%
Place Specialization
Sound
6
VAState
Volume: 49Mix: 5.02%
Place Specialization
Sound
7
NCState
Volume: 50Mix: 5.12%
Place Specialization
Sound
8
AZState
Volume: 32Mix: 3.28%
Place Specialization
Sound
9
GAState
Volume: 31Mix: 3.18%
Place Specialization
Sound
10
COState
Volume: 24Mix: 2.46%
Place Specialization
Sound
Showing 10 of 19 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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