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Amerisave Mortgage Corporation
Independent Mortgage Company•Peachtree Corner, GA•Direct to Consumer
We analyzed every closed loan from Amerisave Mortgage — 7.0k loans across 59k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Acceptable
closing strength
Products
Exceptional
FHA · Conventional · VA
Place
Sound
National · 49 mkts
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Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 68 basis points above market average
- Higher than average fees ($4,084)
- Pull through efficiency is below industry average
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Report Card
Amerisave Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +67.5 bps above market avg | |
Pull Through Closing strength | Near industry average Bottom 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Industry Standard Top 60% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,083 | 44.3% | +0.696%Above | $3,824Fees | ||||
FHA Loans | 3,105 | 44.6% | +0.753%Above | $4,606Fees | ||||
VA Loans | 772 | 11.1% | -0.059%Below | $4,764Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 951 | 13.7% | +0.589%Above | $4,008Fees | ||||
Refinance | 6,016 | 86.3% | +0.700%Above | $4,107Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,967
Applications
58,858
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.675%
vs. market APOR
Avg Net Fees
$4,084
Origination − Credits
Pullthrough Rate
11.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$235,917
Avg Borrower Income
$99,580
Avg Property Value
$384,993
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 168Mix: 2.41%of portfolio
Place
Strong2
Louisville/Jefferson County, KY, KY-INMSA
Volume: 83Mix: 1.19%of portfolio
Place
Strong3
Charlotte, NC-SCMSA
Volume: 102Mix: 1.46%of portfolio
Place
Strong4
Indianapolis, INMSA
Volume: 94Mix: 1.35%of portfolio
Place
Strong5
Lakewood, NJMSA
Volume: 78Mix: 1.12%of portfolio
Place
Strong6
St. Louis, MO, MO-ILMSA
Volume: 89Mix: 1.28%of portfolio
Place
Strong7
Cincinnati, OHMSA
Volume: 73Mix: 1.05%of portfolio
Place
Strong8
Chicago, ILMSA
Volume: 106Mix: 1.52%of portfolio
Place
Strong9
Tampa, FL, FLMSA
Volume: 79Mix: 1.13%of portfolio
Place
Sound10
Nashville, TNMSA
Volume: 67Mix: 0.96%of portfolio
Place
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 399Mix: 5.73%of portfolio
Place
Strong2
KYState
Volume: 213Mix: 3.06%of portfolio
Place
Strong3
TNState
Volume: 271Mix: 3.89%of portfolio
Place
Strong4
PAState
Volume: 302Mix: 4.33%of portfolio
Place
Strong5
NJState
Volume: 231Mix: 3.32%of portfolio
Place
Strong6
FLState
Volume: 554Mix: 7.95%of portfolio
Place
Strong7
NCState
Volume: 382Mix: 5.48%of portfolio
Place
Strong8
INState
Volume: 283Mix: 4.06%of portfolio
Place
Strong9
VAState
Volume: 226Mix: 3.24%of portfolio
Place
Strong10
SCState
Volume: 183Mix: 2.63%of portfolio
Place
StrongShowing 10 of 48 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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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.