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AmRes Corporation
Independent Mortgage Company|Hummelstown, PA|Near-National
Loans Originated
552
Applications
721
Volume
$177 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.601%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,302
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 60 basis points above market average
Report Card
AmRes Corporation performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 13 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$320,870
Average Borrower Income
$137,040
Average Property Value
$399,076
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 347 | 62.9% | +0.530% | $2,961 |
FHA Loans | Sound | Strong | Mediocre | Strong | 145 | 26.3% | +0.915% | $4,113 |
VA Loans | Sound | Strong | Mediocre | Strong | 48 | 8.7% | +0.120% | $3,201 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 467 | 84.6% | +0.651% | $3,636 |
Refinance | Sound | Sound | Sound | Sound | 85 | 15.4% | +0.330% | $1,492 |
Geographic Coverage
Metro Areas
12
States Served
29
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
Lexington, KYMSA
Volume: 30Mix: 5.43%
Place Specialization
Strong
2
Philadelphia, PA, PAMSA
Volume: 37Mix: 6.70%
Place Specialization
Sound
3
Greensboro, NCMSA
Volume: 29Mix: 5.25%
Place Specialization
Sound
4
Fort Wayne, IN, INMSA
Volume: 35Mix: 6.34%
Place Specialization
Sound
5
Montgomery County, PAMSA
Volume: 33Mix: 5.98%
Place Specialization
Sound
6
Columbus, OH, OHMSA
Volume: 37Mix: 6.70%
Place Specialization
Sound
7
Burlington, NC, NCMSA
Volume: 17Mix: 3.08%
Place Specialization
Sound
8
Chicago, ILMSA
Volume: 44Mix: 7.97%
Place Specialization
Sound
9
Winston, NCMSA
Volume: 22Mix: 3.99%
Place Specialization
Sound
10
Slidell, LAMSA
Volume: 13Mix: 2.36%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 74Mix: 13.41%
Place Specialization
Strong
2
NCState
Volume: 87Mix: 15.76%
Place Specialization
Sound
3
KYState
Volume: 52Mix: 9.42%
Place Specialization
Sound
4
ILState
Volume: 63Mix: 11.41%
Place Specialization
Sound
5
OHState
Volume: 58Mix: 10.51%
Place Specialization
Sound
6
INState
Volume: 44Mix: 7.97%
Place Specialization
Sound
7
NJState
Volume: 27Mix: 4.89%
Place Specialization
Sound
8
LAState
Volume: 20Mix: 3.62%
Place Specialization
Sound
9
FLState
Volume: 31Mix: 5.62%
Place Specialization
Sound
10
MDState
Volume: 17Mix: 3.08%
Place Specialization
Sound
Showing 10 of 13 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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