American Security Mortgage
We analyzed every closed loan from American Security Mortgage — 3.0k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 20 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Explore another lender or local market
Report Card
American Security Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+11.5 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,015 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
FHA
388 loans · 0.36% above market
Strong
Top 40% of lenders
4/5
VA
441 loans · 0.43% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
85 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
USDA
29 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,775 loans · 0.12% above market
Exceptional
Top 20% of lenders
5/5
Refinance
183 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 21 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,015 | 68.1% | +0.154%Above | $1,835Fees | ||||
FHA Loans | 388 | 13.1% | +0.360%Above | $1,994Fees | ||||
VA Loans | 441 | 14.9% | -0.433%Below | $2,277Fees | ||||
Jumbo Loans | 85 | 2.9% | +0.140%Above | $1,588Fees | ||||
USDA Loans | — | 29 | 1.0% | +0.102%Above | $1,789Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume2,015
Mix68.1%
Spread
+0.154%Above
Fees
$1,835Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume388
Mix13.1%
Spread
+0.360%Above
Fees
$1,994Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume441
Mix14.9%
Spread
-0.433%Below
Fees
$2,277Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume85
Mix2.9%
Spread
+0.140%Above
Fees
$1,588Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume29
Mix1.0%
Spread
+0.102%Above
Fees
$1,789Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,775 | 93.8% | +0.121%Above | $1,933Fees | ||||
Refinance | 183 | 6.2% | +0.011%Above | $1,409Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,775
Mix93.8%
Spread
+0.121%Above
Fees
$1,933Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume183
Mix6.2%
Spread
+0.011%Above
Fees
$1,409Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,958
Applications
3,814
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.115%
vs. market APOR
Avg Net Fees
$1,900
Origination − Credits
Pullthrough Rate
77.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$406,667
Avg Borrower Income
$177,180
Avg Property Value
$519,033
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 1010–5050–200200+None
Midwest2
ILOH
South8
DCFLGAMDNCSCTNVA
Top Metro Areas by Place Specialization Score
Showing 10 of 20 metro areas
Top States 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.