What loan types does AMERICAN INTERNET MORTGAGE, INC. offer?

AMERICAN INTERNET MORTGAGE, INC. offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does AMERICAN INTERNET MORTGAGE, INC. offer mortgages?

AMERICAN INTERNET MORTGAGE, INC. is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are AMERICAN INTERNET MORTGAGE, INC.'s mortgage rates?

AMERICAN INTERNET MORTGAGE, INC. has an overall pricing score of 85.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is AMERICAN INTERNET MORTGAGE, INC.?

AMERICAN INTERNET MORTGAGE, INC. is a Independent Mortgage Company headquartered in SAN DIEGO, CA.

Unclaimed

American Internet Mortgage, Inc.

Independent Mortgage Company•SAN DIEGO, CA•Direct to Consumer

We analyzed every closed loan from American Internet Mortgage — 482 loans across 962 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Exceptional

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Sound

Conventional · VA

Place

Sound

National · 11 mkts

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Safe Rate's Summary

What They Do Well

Offers rates 19.20 basis points below market average
Lower than average lender fees
Nationwide availability with consistent service

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

American Internet Mortgage, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Exceptional	Market Leader Rates 19.2 bps below market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
VA	Acceptable	Near industry average Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National12 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Exceptional	Mediocre	468	97.1%	-0.176%Below	$1,191Fees
VA Loans	Mediocre	Acceptable	—	Mediocre	12	2.5%	-0.808%Below	$1,803Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Exceptional	Mediocre	302	62.7%	-0.167%Below	$1,233Fees
Refinance	Sound	Sound	Exceptional	Acceptable	180	37.3%	-0.234%Below	$1,140Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

482

Applications

962

Volume

$186 million

Pricing & Closing

Avg Rate Spread

-0.192%

vs. market APOR

Avg Net Fees

$1,199

Origination − Credits

Pullthrough Rate

50.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$387,822

Avg Borrower Income

$179,098

Avg Property Value

$678,237

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWY

Top Metro Areas by Place Specialization Score

Los Angeles, CAMSA

Volume: 15Mix: 3.11%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 16Mix: 3.32%of portfolio

Place

Sound

Charlotte, NC-SCMSA

Volume: 13Mix: 2.70%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 13Mix: 2.70%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 14Mix: 2.90%of portfolio

Place

Sound

Sacramento, CAMSA

Volume: 11Mix: 2.28%of portfolio

Place

Sound

Denver, COMSA

Volume: 12Mix: 2.49%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 10Mix: 2.07%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 12Mix: 2.49%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 10Mix: 2.07%of portfolio

Place

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

CAState

Volume: 97Mix: 20.12%of portfolio

Place

Sound

AZState

Volume: 29Mix: 6.02%of portfolio

Place

Sound

TXState

Volume: 40Mix: 8.30%of portfolio

Place

Sound

NCState

Volume: 24Mix: 4.98%of portfolio

Place

Sound

VAState

Volume: 19Mix: 3.94%of portfolio

Place

Sound

GAState

Volume: 17Mix: 3.53%of portfolio

Place

Sound

FLState

Volume: 24Mix: 4.98%of portfolio

Place

Sound

COState

Volume: 15Mix: 3.11%of portfolio

Place

Sound

WAState

Volume: 13Mix: 2.70%of portfolio

Place

Sound

UTState

Volume: 11Mix: 2.28%of portfolio

Place

Sound

Showing 10 of 17 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)

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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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.