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American Mortgage Bank, LLC
Independent Mortgage Company|OKLAHOMA CITY, OK|Multi-Region
Loans Originated
1,118
Applications
1,635
Volume
$273 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.572%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,345
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 57 basis points above market average
Report Card
American Mortgage Bank, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 14 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$245,036
Average Borrower Income
$101,738
Average Property Value
$276,234
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 390 | 34.9% | +0.449% | $2,534 |
FHA Loans | Sound | Strong | Acceptable | Strong | 499 | 44.6% | +0.808% | $2,511 |
VA Loans | Strong | Strong | Sound | Strong | 130 | 11.6% | -0.046% | $869 |
USDA Loans | Sound | Exceptional | Acceptable | Strong | 99 | 8.9% | +0.525% | $2,055 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,058 | 94.6% | +0.582% | $2,289 |
Refinance | Acceptable | Sound | Mediocre | Sound | 60 | 5.4% | +0.415% | $3,249 |
Geographic Coverage
Metro Areas
13
States Served
18
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARCAFLGAIAINKSMIMOMSOKSCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Jackson, MS, MSMSA
Volume: 227Mix: 20.30%
Place Specialization
Exceptional
2
Oklahoma City, OK, OKMSA
Volume: 110Mix: 9.84%
Place Specialization
Strong
3
Tulsa, OK, OKMSA
Volume: 123Mix: 11.00%
Place Specialization
Strong
4
Beaumont, TXMSA
Volume: 44Mix: 3.94%
Place Specialization
Strong
5
Wichita, KS, KSMSA
Volume: 51Mix: 4.56%
Place Specialization
Strong
6
Kansas City, MO, MO-KSMSA
Volume: 76Mix: 6.80%
Place Specialization
Strong
7
Fayetteville, ARMSA
Volume: 48Mix: 4.29%
Place Specialization
Strong
8
Fort Worth, TXMSA
Volume: 49Mix: 4.38%
Place Specialization
Sound
9
Panama City, FLMSA
Volume: 20Mix: 1.79%
Place Specialization
Sound
10
Mobile, AL, ALMSA
Volume: 13Mix: 1.16%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
OKState
Volume: 371Mix: 33.18%
Place Specialization
Exceptional
2
MSState
Volume: 278Mix: 24.87%
Place Specialization
Strong
3
KSState
Volume: 125Mix: 11.18%
Place Specialization
Strong
4
TXState
Volume: 152Mix: 13.60%
Place Specialization
Strong
5
ARState
Volume: 54Mix: 4.83%
Place Specialization
Sound
6
MOState
Volume: 41Mix: 3.67%
Place Specialization
Sound
7
FLState
Volume: 42Mix: 3.76%
Place Specialization
Sound
8
INState
Volume: 22Mix: 1.97%
Place Specialization
Sound
9
ALState
Volume: 16Mix: 1.43%
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)
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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