A + Mortgage Services
We analyzed every closed loan from A + Mortgage Services — 488 loans across 532 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Regional · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and VA loans
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Report Card
A + Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+29.9 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
447 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
FHA
11 loans · 0.38% above market
Sound
Top 60% of lenders
3/5
VA
26 loans · 0.29% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
439 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
Refinance
49 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 447 | 91.6% | +0.333%Above | $1,332Fees | ||||
FHA Loans | — | — | 11 | 2.3% | +0.380%Above | $1,806Fees | ||
VA Loans | — | 26 | 5.3% | -0.289%Below | $1,171Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume447
Mix91.6%
Spread
+0.333%Above
Fees
$1,332Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix2.3%
Spread
+0.380%Above
Fees
$1,806Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume26
Mix5.3%
Spread
-0.289%Below
Fees
$1,171Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 439 | 90.0% | +0.299%Above | $1,389Fees | ||||
Refinance | — | 49 | 10.0% | — | — |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume439
Mix90.0%
Spread
+0.299%Above
Fees
$1,389Fees
Refinance
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume49
Mix10.0%
Spread—
Fees—
At a Glance
Lender Overview
Lending Activity
Loans Originated
488
Applications
532
Volume
$169 million
Pricing & Closing
Avg Rate Spread
+0.299%
vs. market APOR
Avg Net Fees
$1,389
Origination − Credits
Pullthrough Rate
91.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$346,496
Avg Borrower Income
$171,549
Avg Property Value
$459,016
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
3Full-year 2024 · HMDALoans originated
All statesNone
Midwest1
WI
South2
FLNC
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.