American Bancshares Mortgage
We analyzed every closed loan from American Bancshares Mortgage — 425 loans across 602 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
Things to Think About
- Rates typically 64 basis points above market average
- Higher than average fees ($4,221)
Explore another lender or local market
Report Card
American Bancshares Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+64.4 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
202 loans · 0.62% above market
Sound
Top 60% of lenders
3/5
FHA
176 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
VA
21 loans · 0.09% below market
Sound
Top 60% of lenders
3/5
USDA
21 loans · 0.56% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
387 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
Refinance
38 loans · 0.54% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 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 | 202 | 47.5% | +0.622%Above | $4,370Fees | ||||
FHA Loans | 176 | 41.4% | +0.766%Above | $3,787Fees | ||||
VA Loans | — | 21 | 4.9% | -0.093%Below | $5,829Fees | |||
USDA Loans | — | 21 | 4.9% | +0.565%Above | $3,845Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume202
Mix47.5%
Spread
+0.622%Above
Fees
$4,370Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume176
Mix41.4%
Spread
+0.766%Above
Fees
$3,787Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume21
Mix4.9%
Spread
-0.093%Below
Fees
$5,829Fees
USDA Loans
OverallExceptional
ProductStrong
Pricing—
Pull ThroughExceptional
Volume21
Mix4.9%
Spread
+0.565%Above
Fees
$3,845Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 387 | 91.1% | +0.655%Above | $4,144Fees | ||||
Refinance | 38 | 8.9% | +0.541%Above | $4,930Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume387
Mix91.1%
Spread
+0.655%Above
Fees
$4,144Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume38
Mix8.9%
Spread
+0.541%Above
Fees
$4,930Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
425
Applications
602
Volume
$133 million
Pricing & Closing
Avg Rate Spread
+0.644%
vs. market APOR
Avg Net Fees
$4,221
Origination − Credits
Pullthrough Rate
70.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$314,576
Avg Borrower Income
$122,642
Avg Property Value
$382,082
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
7Full-year 2024 · HMDALoans originated
All statesNone
Northeast2
NYRI
Midwest1
MI
South4
ALFLGANC
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.