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Aml Funding LLC

Independent Mortgage CompanyDALLAS, TXDirect to Consumer

We analyzed every closed loan from Aml Funding 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Near-National · 14 mkts
Safe Rate AwardsFHA Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans
  • Nationwide availability with consistent service

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Report Card

Aml Funding LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+36.2 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Near-National15 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
93286.8%
+0.360%Above
$2,365Fees
FHA Loans
Strong
Strong
Sound
Strong
10710.0%
+0.535%Above
$2,592Fees
VA Loans
Sound
Strong
Acceptable
Strong
333.1%
-0.230%Below
$2,629Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
95288.6%
+0.332%Above
$2,419Fees
Refinance
Sound
Sound
Sound
Sound
12211.4%
+0.554%Above
$2,196Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,074
Applications
1,399
Volume
$333 million
Pricing & Closing
Avg Rate Spread
+0.362%
vs. market APOR
Avg Net Fees
$2,390
Origination − Credits
Pullthrough Rate
76.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$310,251
Avg Borrower Income
$132,861
Avg Property Value
$397,998

Geographic Coverage

Geographic Performance

Metro Areas
14
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Fort Worth, TXMSA
Volume: 134Mix: 12.48%of portfolio
Place
Strong
2
Dallas, TXMSA
Volume: 194Mix: 18.06%of portfolio
Place
Strong
3
Houston, TXMSA
Volume: 157Mix: 14.62%of portfolio
Place
Strong
4
Oklahoma City, OK, OKMSA
Volume: 60Mix: 5.59%of portfolio
Place
Strong
5
Denver, COMSA
Volume: 40Mix: 3.72%of portfolio
Place
Sound
6
San Antonio, TXMSA
Volume: 37Mix: 3.45%of portfolio
Place
Sound
7
Baton Rouge, LA, LAMSA
Volume: 27Mix: 2.51%of portfolio
Place
Sound
8
New Orleans, LAMSA
Volume: 21Mix: 1.96%of portfolio
Place
Sound
9
Phoenix, AZMSA
Volume: 29Mix: 2.70%of portfolio
Place
Sound
10
Columbus, OH, OHMSA
Volume: 19Mix: 1.77%of portfolio
Place
Sound
Showing 10 of 14 metro areas

Top States by Place Specialization Score

1
TXState
Volume: 559Mix: 52.05%of portfolio
Place
Strong
2
OKState
Volume: 72Mix: 6.70%of portfolio
Place
Strong
3
LAState
Volume: 56Mix: 5.21%of portfolio
Place
Sound
4
COState
Volume: 60Mix: 5.59%of portfolio
Place
Sound
5
NCState
Volume: 41Mix: 3.82%of portfolio
Place
Sound
6
AZState
Volume: 30Mix: 2.79%of portfolio
Place
Sound
7
OHState
Volume: 29Mix: 2.70%of portfolio
Place
Sound
8
FLState
Volume: 39Mix: 3.63%of portfolio
Place
Sound
9
GAState
Volume: 25Mix: 2.33%of portfolio
Place
Sound
10
CAState
Volume: 29Mix: 2.70%of portfolio
Place
Sound
Showing 10 of 17 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.