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We analyzed every closed loan from Amerant Mortgage — 916 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 20 mkts
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
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Report Card
Amerant Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +26.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National21 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 667 | 72.8% | +0.290%Above | $1,582Fees | ||||
FHA Loans | 141 | 15.4% | +0.294%Above | $2,399Fees | ||||
VA Loans | 45 | 4.9% | -0.331%Below | $1,359Fees | ||||
Jumbo Loans | 61 | 6.7% | +0.285%Above | $944Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 739 | 80.7% | +0.278%Above | $1,802Fees | ||||
Refinance | 177 | 19.3% | +0.204%Above | $1,181Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
916
Applications
1,223
Volume
$425 million
Pricing & Closing
Avg Rate Spread
+0.263%
vs. market APOR
Avg Net Fees
$1,676
Origination − Credits
Pullthrough Rate
74.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$463,974
Avg Borrower Income
$202,721
Avg Property Value
$645,240
Geographic Coverage
Geographic Performance
Metro Areas
20
States Served
26
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKAZCACOCTFLGAILINKYMAMDMEMOMTNCNHNJPARISCTNTXVAVTWI
Top Metro Areas by Place Specialization Score
1
Cambridge, MAMSA
Volume: 126Mix: 13.76%of portfolio
Place
Strong2
Providence, RI-MAMSA
Volume: 82Mix: 8.95%of portfolio
Place
Strong3
Worcester, MA, MAMSA
Volume: 44Mix: 4.80%of portfolio
Place
Strong4
Rockingham County, NHMSA
Volume: 41Mix: 4.48%of portfolio
Place
Strong5
St. Louis, MO, MO-ILMSA
Volume: 66Mix: 7.21%of portfolio
Place
Strong6
Boston, MA, MAMSA
Volume: 53Mix: 5.79%of portfolio
Place
Strong7
Manchester, NHMSA
Volume: 31Mix: 3.38%of portfolio
Place
Strong8
Orlando, FLMSA
Volume: 40Mix: 4.37%of portfolio
Place
Sound9
Miami, FLMSA
Volume: 35Mix: 3.82%of portfolio
Place
Sound10
Burlington, VTMSA
Volume: 26Mix: 2.84%of portfolio
Place
SoundShowing 10 of 20 metro areas
Top States by Place Specialization Score
1
MAState
Volume: 317Mix: 34.61%of portfolio
Place
Strong2
NHState
Volume: 91Mix: 9.93%of portfolio
Place
Strong3
FLState
Volume: 197Mix: 21.51%of portfolio
Place
Strong4
MOState
Volume: 66Mix: 7.21%of portfolio
Place
Sound5
VTState
Volume: 32Mix: 3.49%of portfolio
Place
Sound6
CTState
Volume: 35Mix: 3.82%of portfolio
Place
Sound7
MEState
Volume: 29Mix: 3.17%of portfolio
Place
Sound8
AZState
Volume: 33Mix: 3.60%of portfolio
Place
Sound9
PAState
Volume: 24Mix: 2.62%of portfolio
Place
Sound10
COState
Volume: 20Mix: 2.18%of portfolio
Place
SoundShowing 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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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.