What loan types does Allied First Bank,sb offer?

Allied First Bank,sb offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Allied First Bank,sb offer mortgages?

Allied First Bank,sb offers mortgages in 32 states: AK, AL, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, MD, MI, MN, MO, NC, NE, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI.

How competitive are Allied First Bank,sb's mortgage rates?

Allied First Bank,sb has an overall pricing score of 30.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Allied First Bank,sb?

Allied First Bank,sb is a Bank headquartered in Oswego, IL.

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Allied First Bank,sb

Bank|Oswego, IL|Near-National

Loans Originated

122

Applications

1,072

Volume

$40 million

Offers loans directly to consumers

Overall Pricing

Acceptable

Overall Pull Through

Mediocre

Pricing and Pullthrough Overview

Average Rate Spread

+0.423%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$1,860

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

11.4%

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

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

Report Card

Allied First Bank,sb performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Acceptable	Near industry average
Pull Through Closing Strength	Mediocre	Below peers
Products Loan Type Specialists		Specialization score by loan product
Conventional	Acceptable	Near industry average
FHA	Acceptable	Near industry average
VA	Sound	Industry Standard
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Acceptable	Near industry average
Places Geographic coverage	Sound	Near-National · 3 metro areas · 32 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$330,984

Average Borrower Income

$155,795

Average Property Value

$439,762

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Mediocre	31	25.4%	+0.271%	$1,655
FHA Loans	Mediocre	Acceptable	N/A	Mediocre	23	18.9%	+0.974%	$2,658
VA Loans	Acceptable	Sound	N/A	Mediocre	66	54.1%	—	—

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	116	95.1%	+0.433%	$1,769

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALAZCACOCTFLGAHIIAIDILINKSMDMIMNMONCNENMNVNYOHORPASCTXUTVAWAWI

Top Metro Areas by Place Specialization Score

Elgin, IL, ILMSA

Volume: 12Mix: 9.84%

Place Specialization

Sound

Chicago, ILMSA

Volume: 15Mix: 12.30%

Place Specialization

Sound

Top States by Place Specialization Score

ILState

Volume: 36Mix: 29.51%

Place Specialization

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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