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AMERICAN INTERNET MORTGAGE, INC.
Independent Mortgage Company|SAN DIEGO, CA|National
Loans Originated
482
Applications
962
Volume
$186 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
-0.192%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,199
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
50.1%
Percentage of applications that result in closed loans
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
Report Card
AMERICAN INTERNET MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
VA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 12 metro areas · 48 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$387,822
Average Borrower Income
$179,098
Average Property Value
$678,237
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% | $1,191 |
VA Loans | Mediocre | Acceptable | N/A | Mediocre | 12 | 2.5% | -0.808% | $1,803 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Exceptional | Mediocre | 302 | 62.7% | -0.167% | $1,233 |
Refinance | Sound | Sound | Exceptional | Acceptable | 180 | 37.3% | -0.234% | $1,140 |
Geographic Coverage
Metro Areas
11
States Served
48
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 15Mix: 3.11%
Place Specialization
Sound
2
Phoenix, AZMSA
Volume: 16Mix: 3.32%
Place Specialization
Sound
3
Charlotte, NC-SCMSA
Volume: 13Mix: 2.70%
Place Specialization
Sound
4
Riverside, CAMSA
Volume: 13Mix: 2.70%
Place Specialization
Sound
5
Dallas, TXMSA
Volume: 14Mix: 2.90%
Place Specialization
Sound
6
Sacramento, CAMSA
Volume: 11Mix: 2.28%
Place Specialization
Sound
7
Denver, COMSA
Volume: 12Mix: 2.49%
Place Specialization
Sound
8
Oakland, CAMSA
Volume: 10Mix: 2.07%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 12Mix: 2.49%
Place Specialization
Sound
10
San Diego, CAMSA
Volume: 10Mix: 2.07%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 97Mix: 20.12%
Place Specialization
Sound
2
AZState
Volume: 29Mix: 6.02%
Place Specialization
Sound
3
TXState
Volume: 40Mix: 8.30%
Place Specialization
Sound
4
NCState
Volume: 24Mix: 4.98%
Place Specialization
Sound
5
VAState
Volume: 19Mix: 3.94%
Place Specialization
Sound
6
GAState
Volume: 17Mix: 3.53%
Place Specialization
Sound
7
FLState
Volume: 24Mix: 4.98%
Place Specialization
Sound
8
COState
Volume: 15Mix: 3.11%
Place Specialization
Sound
9
WAState
Volume: 13Mix: 2.70%
Place Specialization
Sound
10
UTState
Volume: 11Mix: 2.28%
Place Specialization
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)
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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