Ameritrust Mortgage Corporation
We analyzed every closed loan from Ameritrust Mortgage Corporation — 1.0k loans across 2k 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
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Particularly strong in FHA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 79 basis points above market average
- Higher than average fees ($4,223)
Explore another lender or local market
Report Card
Ameritrust Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+79.0 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
541 loans · 0.59% above market
Sound
Top 60% of lenders
3/5
FHA
362 loans · 1.07% above market
Strong
Top 40% of lenders
4/5
VA
24 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
Jumbo
102 loans · 0.86% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
819 loans · 0.82% above market
Strong
Top 40% of lenders
4/5
Refinance
211 loans · 0.65% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 15 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 | 541 | 52.5% | +0.588%Above | $3,610Fees | ||||
FHA Loans | 362 | 35.1% | +1.067%Above | $5,445Fees | ||||
VA Loans | — | 24 | 2.3% | +0.270%Above | $2,694Fees | |||
Jumbo Loans | 102 | 9.9% | +0.858%Above | $1,485Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume541
Mix52.5%
Spread
+0.588%Above
Fees
$3,610Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume362
Mix35.1%
Spread
+1.067%Above
Fees
$5,445Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume24
Mix2.3%
Spread
+0.270%Above
Fees
$2,694Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume102
Mix9.9%
Spread
+0.858%Above
Fees
$1,485Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 819 | 79.5% | +0.821%Above | $4,882Fees | ||||
Refinance | 211 | 20.5% | +0.645%Above | $1,199Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume819
Mix79.5%
Spread
+0.821%Above
Fees
$4,882Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume211
Mix20.5%
Spread
+0.645%Above
Fees
$1,199Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,030
Applications
1,651
Volume
$617 million
Pricing & Closing
Avg Rate Spread
+0.790%
vs. market APOR
Avg Net Fees
$4,223
Origination − Credits
Pullthrough Rate
62.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$599,039
Avg Borrower Income
$267,101
Avg Property Value
$796,369
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
28Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast3
CTNJPA
Midwest5
ILMIMNOHWI
South12
ALARFLGALAMDMSNCOKSCTNTX
West8
AZCACOIDNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 14 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.