We analyzed every closed loan from Aml Funding — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Near-National · 14 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Aml Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+36.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 15 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 | 932 | 86.8% | +0.360%Above | $2,365Fees | ||||
FHA Loans | 107 | 10.0% | +0.535%Above | $2,592Fees | ||||
VA Loans | 33 | 3.1% | -0.230%Below | $2,629Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume932
Mix86.8%
Spread
+0.360%Above
Fees
$2,365Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume107
Mix10.0%
Spread
+0.535%Above
Fees
$2,592Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume33
Mix3.1%
Spread
-0.230%Below
Fees
$2,629Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 952 | 88.6% | +0.332%Above | $2,419Fees | ||||
Refinance | 122 | 11.4% | +0.554%Above | $2,196Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume952
Mix88.6%
Spread
+0.332%Above
Fees
$2,419Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume122
Mix11.4%
Spread
+0.554%Above
Fees
$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
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
30Northeast2
NJPA
Midwest8
ILINKSMIMNMOOHWI
South14
ALARFLGAKYLAMDMSNCOKSCTNTXVA
West6
AZCACONMNVWA
Top Metro Areas by Place Specialization Score
1© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 134Mix 12.48% of portfolio
74/100
Strong
Volume 194Mix 18.06% of portfolio
73/100
Strong
Volume 157Mix 14.62% of portfolio
69/100
Strong
Volume 60Mix 5.59% of portfolio
64/100
Strong
Volume 40Mix 3.72% of portfolio
54/100
Sound
Volume 37Mix 3.45% of portfolio
54/100
Sound
Volume 27Mix 2.51% of portfolio
52/100
Sound
Volume 21Mix 1.96% of portfolio
52/100
Sound
Volume 29Mix 2.70% of portfolio
49/100
Sound
Volume 19Mix 1.77% of portfolio
47/100
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
TexasState
Volume 559Mix 52.05% of portfolio
77/100
Strong2
OklahomaState
Volume 72Mix 6.70% of portfolio
61/100
Strong3
LouisianaState
Volume 56Mix 5.21% of portfolio
58/100
Sound4
ColoradoState
Volume 60Mix 5.59% of portfolio
57/100
Sound5
North CarolinaState
Volume 41Mix 3.82% of portfolio
50/100
Sound6
ArizonaState
Volume 30Mix 2.79% of portfolio
49/100
Sound7
OhioState
Volume 29Mix 2.70% of portfolio
47/100
Sound8
FloridaState
Volume 39Mix 3.63% of portfolio
46/100
Sound9
GeorgiaState
Volume 25Mix 2.33% of portfolio
46/100
Sound10
CaliforniaState
Volume 29Mix 2.70% of portfolio
44/100
SoundShowing 10 of 17 states
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.