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American Bancshares Mortgage

Independent Mortgage Company•Miami Lakes, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from American Bancshares Mortgage — 425 loans across 602 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 8 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and USDA loans

Things to Think About

  • Rates typically 64 basis points above market average
  • Higher than average fees ($4,221)

Explore another lender or local market

Report Card

American Bancshares Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+64.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume202
Mix47.5%
Spread
+0.622%Above
Fees
$4,370Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume176
Mix41.4%
Spread
+0.766%Above
Fees
$3,787Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume21
Mix4.9%
Spread
-0.093%Below
Fees
$5,829Fees
USDA Loans
Overall
Exceptional
Product
Strong
Pricing—
Pull Through
Exceptional
Volume21
Mix4.9%
Spread
+0.565%Above
Fees
$3,845Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume387
Mix91.1%
Spread
+0.655%Above
Fees
$4,144Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume38
Mix8.9%
Spread
+0.541%Above
Fees
$4,930Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
425
Applications
602
Volume
$133 million
Pricing & Closing
Avg Rate Spread
+0.644%
vs. market APOR
Avg Net Fees
$4,221
Origination − Credits
Pullthrough Rate
70.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$314,576
Avg Borrower Income
$122,642
Avg Property Value
$382,082

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NYRI
Midwest1
MI
South4
ALFLGANC

Top Metro Areas by Place Specialization Score

1© Ebyabe · CC BY 2.5
Ocala, FLMetro
Volume 165Mix 38.82% of portfolio
92/100
Exceptional
2© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 49Mix 11.53% of portfolio
61/100
Strong
3© Dough4872 · CC BY-SA 4.0
Port St. Lucie, FLMetro
Volume 28Mix 6.59% of portfolio
61/100
Strong
4© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 44Mix 10.35% of portfolio
60/100
Strong
5© Harry Somers from Miami, Florida, USA · CC BY 2.0
Fort Lauderdale, FLMetro
Volume 41Mix 9.65% of portfolio
60/100
Strong
6© Paul Clark · CC BY 2.0
Homosassa Springs, FLMetro
Volume 14Mix 3.29% of portfolio
54/100
Sound
7© Butter142 · CC BY-SA 4.0
Lakeland, FLMetro
Volume 12Mix 2.82% of portfolio
45/100
Sound
8© Interface Multimedia, Inc. · CC BY-SA 4.0
Tampa, FLMetro
Volume 10Mix 2.35% of portfolio
40/100
Sound

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 416Mix 97.88% of portfolio
76/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.