# AMERITRUST MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/ameritrust-mortgage

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

AMERITRUST MORTGAGE CORPORATION is a independent mortgage company, headquartered in SPRINGFIELD, IL, serving borrowers across 28 states, with 1,030 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300A5HHOL2ED18C72
- **Headquarters:** SPRINGFIELD, IL
- **Geographic Reach:** Near-National
- **States Served:** 28
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, ID, IL, LA, MD, MI, MN, MS, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI
- **Markets (MSAs):** 15
- **Primary Channel:** mix
- **Direct Origination:** 60%
- **Brokered/Wholesale:** 40%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.790%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,223
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,030
- **Dollar Volume:** $617 million
- **Applications Received:** 1,651
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $599,039
- **Average Borrower Income:** $267,101

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 541 | +0.588% | $3,610 | Sound ☺️ |
| FHA | 74/100 | 362 | +1.067% | $5,445 | Strong 😀 |
| VA | 59/100 | 24 | +0.270% | $2,694 | Sound ☺️ |
| Jumbo | 76/100 | 102 | +0.858% | $1,485 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 400 loans, Score: 55/100 (Sound)
- Refinance: 141 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 340 loans, Score: 73/100 (Strong)
- Refinance: 22 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 22 loans, Score: 60/100 (Sound)

**Jumbo:**
- Purchase: 56 loans, Score: 74/100 (Strong)
- Refinance: 46 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 819 | $457M | +0.821% | Strong 😀 |
| Refinance | 59/100 | 211 | $160M | +0.645% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 594 | 0.21% | 76/100 |
| FL | 184 | 0.06% | 63/100 |
| LA | 48 | 0.14% | 56/100 |
| TX | 43 | 0.01% | 47/100 |
| GA | 26 | 0.02% | 46/100 |
| AZ | 14 | 0.01% | 41/100 |
| NV | 14 | 0.03% | 43/100 |
| NJ | 13 | 0.02% | 40/100 |
| NC | 10 | 0.01% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 136 | 70/100 |
| Tampa, FL | FL | 120 | 70/100 |
| Oakland | CA | 113 | 73/100 |
| Riverside | CA | 106 | 66/100 |
| Stockton | CA | 55 | 68/100 |
| Anaheim | CA | 45 | 60/100 |
| Baton Rouge, LA | LA | 34 | 56/100 |
| San Francisco | CA | 33 | 60/100 |
| Non |  | 28 | 31/100 |
| San Jose | CA | 23 | 52/100 |
| Sacramento | CA | 20 | 48/100 |
| Atlanta | GA | 19 | 45/100 |
| Houston | TX | 15 | 41/100 |
| Las Vegas | NV | 13 | 42/100 |
| Modesto, CA | CA | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does AMERITRUST MORTGAGE CORPORATION offer?

AMERITRUST MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERITRUST MORTGAGE CORPORATION offer mortgages?

AMERITRUST MORTGAGE CORPORATION offers mortgages in 28 states: AL, AR, AZ, CA, CO, CT, FL, GA, ID, IL, LA, MD, MI, MN, MS, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA, WI.

### How competitive are AMERITRUST MORTGAGE CORPORATION's mortgage rates?

AMERITRUST MORTGAGE CORPORATION has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.790% above market average.

### What type of lender is AMERITRUST MORTGAGE CORPORATION?

AMERITRUST MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in SPRINGFIELD, IL.

### What is AMERITRUST MORTGAGE CORPORATION's loan approval success rate?

AMERITRUST MORTGAGE CORPORATION has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/ameritrust-mortgage

### How to Cite

> "AMERITRUST MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ameritrust-mortgage

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