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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
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-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 Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 916 | 93.9% | +1.380% | $7,120 |
Jumbo Loans | Sound | Strong | N/A | Sound | 60 | 6.1% | +0.339% | $8,049 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Acceptable | 822 | 84.2% | +1.334% | $7,424 |
Refinance | Acceptable | Sound | Mediocre | Acceptable | 154 | 15.8% | +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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