American Mortgage Bank
We analyzed every closed loan from American Mortgage Bank — 1.1k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 13 mkts
Awards
FHA
Superstar
VA
Superstar
USDA
Superstar
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
Explore another lender or local market
Report Card
American Mortgage Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+57.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 390 | 34.9% | +0.449%Above | $2,534Fees | ||||
FHA Loans | 499 | 44.6% | +0.808%Above | $2,511Fees | ||||
VA Loans | 130 | 11.6% | -0.046%Below | $869Fees | ||||
USDA Loans | 99 | 8.9% | +0.525%Above | $2,055Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume390
Mix34.9%
Spread
+0.449%Above
Fees
$2,534Fees
FHA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume499
Mix44.6%
Spread
+0.808%Above
Fees
$2,511Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume130
Mix11.6%
Spread
-0.046%Below
Fees
$869Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume99
Mix8.9%
Spread
+0.525%Above
Fees
$2,055Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,058 | 94.6% | +0.582%Above | $2,289Fees | ||||
Refinance | 60 | 5.4% | +0.415%Above | $3,249Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,058
Mix94.6%
Spread
+0.582%Above
Fees
$2,289Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume60
Mix5.4%
Spread
+0.415%Above
Fees
$3,249Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,118
Applications
1,635
Volume
$273 million
Pricing & Closing
Avg Rate Spread
+0.572%
vs. market APOR
Avg Net Fees
$2,345
Origination − Credits
Pullthrough Rate
68.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$245,036
Avg Borrower Income
$101,738
Avg Property Value
$276,234
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
18Midwest5
IAINKSMIMO
South10
ALARFLGAMSOKSCTNTXVA
West3
CAUTWA
Top Metro Areas by Place Specialization Score
Volume 227Mix 20.30% of portfolio
87/100
Exceptional
Volume 110Mix 9.84% of portfolio
72/100
Strong
Volume 123Mix 11.00% of portfolio
71/100
Strong
Volume 44Mix 3.94% of portfolio
70/100
Strong
Volume 51Mix 4.56% of portfolio
64/100
Strong
Volume 76Mix 6.80% of portfolio
62/100
Strong
Volume 48Mix 4.29% of portfolio
61/100
Strong
8© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 49Mix 4.38% of portfolio
60/100
Sound
Volume 20Mix 1.79% of portfolio
53/100
Sound
Volume 13Mix 1.16% of portfolio
46/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
OklahomaState
Volume 371Mix 33.18% of portfolio
81/100
Exceptional2
MississippiState
Volume 278Mix 24.87% of portfolio
80/100
Strong3
KansasState
Volume 125Mix 11.18% of portfolio
73/100
Strong4
TexasState
Volume 152Mix 13.60% of portfolio
61/100
Strong5
ArkansasState
Volume 54Mix 4.83% of portfolio
58/100
Sound6
MissouriState
Volume 41Mix 3.67% of portfolio
52/100
Sound7
FloridaState
Volume 42Mix 3.76% of portfolio
47/100
Sound8
IndianaState
Volume 22Mix 1.97% of portfolio
45/100
Sound9
AlabamaState
Volume 16Mix 1.43% of portfolio
43/100
SoundHow 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.