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American Southwest

Credit Union•Sierra Vista, AZHQ•Direct•Reviews near you on Google

American Southwest has 26 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Strong
4/5
Regional · 1 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 81 basis points above market average
  • Pull through efficiency is below industry average

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Report Card

American Southwest performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+81.0 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 1 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Acceptable
Pull Through
Strong
Volume25
Mix96.2%
Spread
+0.805%Above
Fees
$1,380Fees

Loan Purpose Performance

Performance by Loan Purpose

Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume18
Mix69.2%
Spread
+0.865%Above
Fees
$1,018Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
26
Applications
41
Volume
$5 million
Pricing & Closing
Avg Rate Spread
+0.810%
vs. market APOR
Avg Net Fees
$1,375
Origination − Credits
Pullthrough Rate
63.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$229,615
Avg Borrower Income
$111,692
Avg Property Value
$416,154

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MO
West1
AZ

Top Metro Areas by Place Specialization Score

1© StellarD · CC BY-SA 4.0
Sierra Vista, AZMetro
Volume 20Mix 76.92% of portfolio
66/100
Strong

Top States by Place Specialization Score

Arizona
Arizona
1
ArizonaState
Volume 25Mix 96.15% of portfolio
58/100
Sound

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.