What loan types does Allied First Bank offer?

Allied First Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Allied First Bank offer mortgages?

Allied First Bank offers mortgages in 32 states: AK, AL, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, MD, MI, MN, MO, NC, NE, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI.

How competitive are Allied First Bank's mortgage rates?

Allied First Bank has an overall pricing score of 30.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Allied First Bank?

Allied First Bank is a Bank headquartered in Oswego, IL.

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Allied First Bank

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Allied First Bank has 122 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Mediocre

1/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Sound

3/5

Near-National · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Allied First Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+42.3 bps above market avg

2/5

Pull Through

Closing strength

Mediocre

Bottom 20% of lenders

1/5

By Loan Product· Specialization by type

Conventional

31 loans · 0.27% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

23 loans · 0.97% above market

Acceptable

Bottom 40% of lenders

2/5

66 loans

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

116 loans · 0.43% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Near-National · 3 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	Acceptable	Acceptable	Acceptable	Mediocre	31	25.4%	+0.271%Above	$1,655Fees
FHA Loans	Acceptable	Acceptable	—	Mediocre	23	18.9%	+0.974%Above	$2,658Fees
VA Loans	Acceptable	Sound	—	Mediocre	66	54.1%	—	—

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume31

Mix25.4%

Spread

+0.271%Above

Fees

$1,655Fees

FHA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume23

Mix18.9%

Spread

+0.974%Above

Fees

$2,658Fees

VA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume66

Mix54.1%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	116	95.1%	+0.433%Above	$1,769Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume116

Mix95.1%

Spread

+0.433%Above

Fees

$1,769Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

122

Applications

1,072

Volume

$40 million

Pricing & Closing

Avg Rate Spread

+0.423%

vs. market APOR

Avg Net Fees

$1,860

Origination − Credits

Pullthrough Rate

11.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$330,984

Avg Borrower Income

$155,795

Avg Property Value

$439,762

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

32Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast3

CTNYPA

Midwest10

IAILINKSMIMNMONEOHWI

South8

ALFLGAMDNCSCTXVA

West11

AKAZCACOHIIDNMNVORUTWA

Top Metro Areas by Place Specialization Score

Elgin, ILMetro

Volume 12Mix 9.84% of portfolio

49/100

Sound

Chicago, ILMetro

Volume 15Mix 12.30% of portfolio

48/100

Sound

Top States by Place Specialization Score

IllinoisState

Volume 36Mix 29.51% of portfolio

56/100

Sound

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.