What loan types does American Southwest offer?

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

Where does American Southwest offer mortgages?

American Southwest offers mortgages in 2 states: AZ, MO.

How competitive are American Southwest's mortgage rates?

American Southwest has an overall pricing score of 34.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Southwest?

American Southwest is a Credit Union headquartered in Sierra Vista, AZ.

Unclaimed

American Southwest

Credit Union•Sierra Vista, AZHQ•Direct•Reviews near you on Google

American Southwest has 26 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

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 81 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

American Southwest performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+81.0 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

25 loans · 0.81% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Refinance

18 loans · 0.86% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 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	Sound	Acceptable	Acceptable	Strong	25	96.2%	+0.805%Above	$1,380Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Acceptable

Pull Through

Strong

Volume25

Mix96.2%

Spread

+0.805%Above

Fees

$1,380Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Refinance	Sound	Sound	—	Strong	18	69.2%	+0.865%Above	$1,018Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume18

Mix69.2%

Spread

+0.865%Above

Fees

$1,018Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$5 million

Pricing & Closing

Avg Rate Spread

+0.810%

vs. market APOR

Avg Net Fees

$1,375

Origination − Credits

Pullthrough Rate

63.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$229,615

Avg Borrower Income

$111,692

Avg Property Value

$416,154

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest1

West1

Top Metro Areas by Place Specialization Score

Sierra Vista, AZMetro

Volume 20Mix 76.92% of portfolio

66/100

Strong

Top States by Place Specialization Score

ArizonaState

Volume 25Mix 96.15% of portfolio

58/100

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.