Affordable Mortgage Advisors
We analyzed every closed loan from Affordable Mortgage Advisors — 2.0k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 24 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Rates typically 51 basis points above market average
Explore another lender or local market
Report Card
Affordable Mortgage Advisors performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+51.3 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,337 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
FHA
477 loans · 0.90% above market
Exceptional
Top 20% of lenders
5/5
VA
145 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
USDA
30 loans · 0.73% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,861 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
Refinance
135 loans · 0.49% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 25 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 | 1,337 | 67.0% | +0.427%Above | $2,521Fees | ||||
FHA Loans | 477 | 23.9% | +0.896%Above | $2,552Fees | ||||
VA Loans | 145 | 7.3% | +0.000%Above | $2,846Fees | ||||
USDA Loans | — | 30 | 1.5% | +0.726%Above | $1,779Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,337
Mix67.0%
Spread
+0.427%Above
Fees
$2,521Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume477
Mix23.9%
Spread
+0.896%Above
Fees
$2,552Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume145
Mix7.3%
Spread
+0.000%Above
Fees
$2,846Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume30
Mix1.5%
Spread
+0.726%Above
Fees
$1,779Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,861 | 93.2% | +0.515%Above | $2,535Fees | ||||
Refinance | 135 | 6.8% | +0.492%Above | $2,735Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,861
Mix93.2%
Spread
+0.515%Above
Fees
$2,535Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume135
Mix6.8%
Spread
+0.492%Above
Fees
$2,735Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,996
Applications
2,691
Volume
$547 million
Pricing & Closing
Avg Rate Spread
+0.513%
vs. market APOR
Avg Net Fees
$2,549
Origination − Credits
Pullthrough Rate
74.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$274,359
Avg Borrower Income
$129,098
Avg Property Value
$333,171
Geographic Coverage
Geographic Performance
Metro Areas
24
markets with activity
States Served
21
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
21Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast2
NJPA
Midwest4
ILINOHWI
South14
ALARDCFLGALAMDMSNCSCTNTXVAWV
West1
CO
Top Metro Areas by Place Specialization Score
Showing 10 of 24 metro areas
Top States by Place Specialization Score
Showing 10 of 13 states
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.