What loan types does American Internet Mortgage offer?

American Internet Mortgage offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does American Internet Mortgage offer mortgages?

American Internet Mortgage is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are American Internet Mortgage's mortgage rates?

American Internet Mortgage has an overall pricing score of 85.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Internet Mortgage?

American Internet Mortgage is a Independent Mortgage Company headquartered in SAN DIEGO, CA.

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American Internet Mortgage

Independent Mortgage Company•San Diego, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from American Internet Mortgage — 482 loans across 962 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional · VA

Place

Sound

3/5

National · 11 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 19.20 basis points below market average
Lower than average lender fees
Nationwide availability with consistent service

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

American Internet Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 19.2 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

468 loans · 0.18% below market

Sound

Top 60% of lenders

3/5

12 loans · 0.81% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

302 loans · 0.17% below market

Sound

Top 60% of lenders

3/5

Refinance

180 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

National · 12 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	Sound	Sound	Exceptional	Mediocre	468	97.1%	-0.176%Below	$1,191Fees
VA Loans	Acceptable	Acceptable	—	Mediocre	12	2.5%	-0.808%Below	$1,803Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Mediocre

Volume468

Mix97.1%

Spread

-0.176%Below

Fees

$1,191Fees

VA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume12

Mix2.5%

Spread

-0.808%Below

Fees

$1,803Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Mediocre	302	62.7%	-0.167%Below	$1,233Fees
Refinance	Sound	Sound	Exceptional	Acceptable	180	37.3%	-0.234%Below	$1,140Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Mediocre

Volume302

Mix62.7%

Spread

-0.167%Below

Fees

$1,233Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume180

Mix37.3%

Spread

-0.234%Below

Fees

$1,140Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

482

Applications

962

Volume

$186 million

Pricing & Closing

Avg Rate Spread

-0.192%

vs. market APOR

Avg Net Fees

$1,199

Origination − Credits

Pullthrough Rate

50.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$387,822

Avg Borrower Income

$179,098

Avg Property Value

$678,237

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

48Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast8

CTMEMANHNJPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South15

ALARDEFLGAKYLAMDMSNCOKSCTNTXVA

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 15Mix 3.11% of portfolio

45/100

Sound

2© DPPed · CC BY-SA 3.0

Phoenix, AZMetro

Volume 16Mix 3.32% of portfolio

44/100

Sound

3© chucka_nc · CC BY-SA 2.0

Charlotte, NC-SCMetro

Volume 13Mix 2.70% of portfolio

43/100

Sound

4© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 13Mix 2.70% of portfolio

43/100

Sound

5© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 14Mix 2.90% of portfolio

43/100

Sound

6© Quintin Soloviev · CC BY 4.0

Sacramento, CAMetro

Volume 11Mix 2.28% of portfolio

42/100

Sound

Denver, COMetro

Volume 12Mix 2.49% of portfolio

42/100

Sound

Oakland, CAMetro

Volume 10Mix 2.07% of portfolio

41/100

Sound

Atlanta, GAMetro

Volume 12Mix 2.49% of portfolio

41/100

Sound

San Diego, CAMetro

Volume 10Mix 2.07% of portfolio

41/100

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 97Mix 20.12% of portfolio

59/100

Sound

ArizonaState

Volume 29Mix 6.02% of portfolio

50/100

Sound

TexasState

Volume 40Mix 8.30% of portfolio

49/100

Sound

North CarolinaState

Volume 24Mix 4.98% of portfolio

46/100

Sound

VirginiaState

Volume 19Mix 3.94% of portfolio

45/100

Sound

GeorgiaState

Volume 17Mix 3.53% of portfolio

44/100

Sound

FloridaState

Volume 24Mix 4.98% of portfolio

43/100

Sound

ColoradoState

Volume 15Mix 3.11% of portfolio

43/100

Sound

WashingtonState

Volume 13Mix 2.70% of portfolio

42/100

Sound

UtahState

Volume 11Mix 2.28% of portfolio

42/100

Sound

Showing 10 of 17 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.