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Allied First Bank,sb

BankOswego, ILDirect to Consumer

Allied First Banksb has 122 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Mediocre
closing strength
Products
Sound
FHA · Conventional · VA
Place
Sound
Near-National · 2 mkts

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Safe Rate's Summary

What They Do Well

  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average
  • Pull through efficiency is below industry average

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Report Card

Allied First Bank,sb performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+42.3 bps above market avg
Pull Through
Closing strength
Mediocre
Below peers
Bottom 20% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Acceptable
Near industry average
Bottom 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Near-National3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Acceptable
Mediocre
3125.4%
+0.271%Above
$1,655Fees
FHA Loans
Mediocre
Acceptable
Mediocre
2318.9%
+0.974%Above
$2,658Fees
VA Loans
Acceptable
Sound
Mediocre
6654.1%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Acceptable
Acceptable
Acceptable
11695.1%
+0.433%Above
$1,769Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
122
Applications
1,072
Volume
$40 million
Pricing & Closing
Avg Rate Spread
+0.423%
vs. market APOR
Avg Net Fees
$1,860
Origination − Credits
Pullthrough Rate
11.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$330,984
Avg Borrower Income
$155,795
Avg Property Value
$439,762

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
32
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
Elgin, IL, ILMSA
Volume: 12Mix: 9.84%of portfolio
Place
Sound
2
Chicago, ILMSA
Volume: 15Mix: 12.30%of portfolio
Place
Sound

Top States by Place Specialization Score

1
ILState
Volume: 36Mix: 29.51%of portfolio
Place
Sound

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.