A + Mortgage Services Rates, Fees & Info
MUSKEGO, WILEI: 5493009X5Z27VV479310
Tax ID: 39-2022321
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Mortgage Data
Review & Overview
A + Mortgage Services is a smaller mortgage company specializing in Home Purchase loans. A + Mortgage Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Milwaukee, Madison, Racine, Whitewater, and Watertown among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)A + Mortgage Services has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. A + Mortgage Services is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 4/18/24 |
| 30 Year Conventional Refi | 6.27% | 4/18/24 |
| 30 Year Cash-out Refi | 6.27% | 4/18/24 |
| 30 Year FHA Purchase | 6.27% | 4/18/24 |
| 30 Year FHA Refi | 6.27% | 4/18/24 |
| 30 Year VA Purchase | 6.27% | 4/18/24 |
| 30 Year USDA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 5.68% | 4/18/24 |
| 15 Year Conventional Refi | 5.68% | 4/18/24 |
| 15 Year Cash-out Refi | 5.68% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
A + Mortgage Services Mortgage Calculator
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This is not an official calculator from A + Mortgage Services. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
609Origination Dollar Volume (All Markets)
$141,365,000Awards
A + MORTGAGE SERVICES - 2018
A + MORTGAGE SERVICES is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 459 | $108,665,000 | $236,743 | $2,307 | 4.71% |
| MADISON, WI (FHA|USDA|VA) | 47 | $12,005,000 | $255,426 | $397 | 4.67% |
| RACINE, WI (FHA|USDA|VA) | 26 | $6,810,000 | $261,923 | $1,050 | 4.73% |
| Outside of Metro Areas | 31 | $6,135,000 | $197,903 | $288 | 4.63% |
| Whitewater, WI (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $1,016 | 4.99% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $0 | 4.58% |
| Beaver Dam, WI (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $1,753 | 4.63% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $0 | 5.13% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $0 | 4.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.94% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $345 | 4.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.75% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 4.88% |
| Platteville, WI (FHA|USDA|VA) | 3 | $225,000 | $75,000 | $1,838 | 5.71% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 5.13% |
| Shawano, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.25% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.38% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.88% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against A + MORTGAGE SERVICES based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 10
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Product Mix
For 2018, A + Mortgage Services's most frequently originated type of loan was Conventional, with 532 originations. Their 2nd most popular type was FHA, with 46 originations.
Loan Reason
For 2018, A + Mortgage Services's most frequently cited loan purpose was Home Purchase, with 520 originations. The 2nd most popular reason was Refi, with 54 originations.
Loan Duration/Length
For 2018, A + Mortgage Services's most frequently cited loan duration was 30 Year, with 557 originations. The 2nd most popular length was 15 Year, with 41 originations.
Origination Fees/Closing Costs
A + Mortgage Services's average total fees were $2,038, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 359 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 490 | $116,800,000 | $238,367 |
| 5-6% | 87 | $17,595,000 | $202,241 |
| 3-4% | 28 | $6,460,000 | $230,714 |
| 6-7% | 1 | $115,000 | $115,000 |
During 2018, A + Mortgage Services's average interest rate for loans was 4.75%, while their most frequently originated rate bucket for loans was 4-5%, with 490 originations.
Loan Sizing
2018 saw A + Mortgage Services place emphasis on $200k-400k loans with 296 originations, totaling $81,800,000 in origination value.
Applicant Income
A + Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 156 originations. The second most popular income band? $100k-150k, with 155 originations.
Applicant Debt to Income Ratio
A + Mortgage Services lent most frequently to those with DTI ratios of 20-30%, with 146 originations. The next most common DTI ratio? 30-36%, with 141 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.41%
A + Mortgage Services has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.07%
A + Mortgage Services has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 1 | $215,000 | $215,000 |
| 1000.0 | 4 | $730,000 | $182,500 |
| 102.51 | 1 | $125,000 | $125,000 |
| 1075.0 | 1 | $365,000 | $365,000 |
| 1100.0 | 11 | $2,465,000 | $224,091 |
| 1170.0 | 1 | $405,000 | $405,000 |
| 125.0 | 1 | $215,000 | $215,000 |
| 1293.75 | 1 | $345,000 | $345,000 |
| 1370.0 | 1 | $125,000 | $125,000 |
| 1400.0 | 1 | $905,000 | $905,000 |
| 142.4 | 4 | $900,000 | $225,000 |
| 1500.0 | 1 | $235,000 | $235,000 |
| 1506.35 | 1 | $135,000 | $135,000 |
| 1520.0 | 1 | $305,000 | $305,000 |
| 1550.0 | 1 | $305,000 | $305,000 |
| 1590.0 | 1 | $155,000 | $155,000 |
| 1675.0 | 1 | $355,000 | $355,000 |
| 175.0 | 1 | $145,000 | $145,000 |
| 1800.0 | 1 | $275,000 | $275,000 |
| 185.0 | 1 | $155,000 | $155,000 |
| 1940.0 | 1 | $225,000 | $225,000 |
| 195.04 | 1 | $405,000 | $405,000 |
| 2200.0 | 1 | $145,000 | $145,000 |
| 227.4 | 1 | $165,000 | $165,000 |
| 258.99 | 1 | $285,000 | $285,000 |
| 285.0 | 1 | $205,000 | $205,000 |
| 300.0 | 4 | $960,000 | $240,000 |
| 3438.24 | 1 | $345,000 | $345,000 |
| 3457.81 | 1 | $235,000 | $235,000 |
| 35.0 | 2 | $430,000 | $215,000 |
| 350.0 | 1 | $275,000 | $275,000 |
| 370.0 | 1 | $485,000 | $485,000 |
| 380.0 | 1 | $295,000 | $295,000 |
| 420.0 | 2 | $420,000 | $210,000 |
| 4200.0 | 1 | $345,000 | $345,000 |
| 436.0 | 1 | $165,000 | $165,000 |
| 4550.0 | 1 | $185,000 | $185,000 |
| 4586.75 | 1 | $225,000 | $225,000 |
| 475.04 | 1 | $255,000 | $255,000 |
| 480.0 | 4 | $980,000 | $245,000 |
| 494.9 | 1 | $185,000 | $185,000 |
| 495.0 | 1 | $155,000 | $155,000 |
| 50.0 | 3 | $1,125,000 | $375,000 |
| 500.0 | 5 | $845,000 | $169,000 |
| 504.34 | 1 | $215,000 | $215,000 |
| 550.0 | 2 | $410,000 | $205,000 |
| 580.0 | 2 | $440,000 | $220,000 |
| 590.0 | 1 | $255,000 | $255,000 |
| 595.0 | 1 | $75,000 | $75,000 |
| 600.0 | 1 | $265,000 | $265,000 |
| 650.0 | 1 | $325,000 | $325,000 |
| 680.0 | 2 | $480,000 | $240,000 |
| 695.0 | 1 | $295,000 | $295,000 |
| 725.0 | 3 | $365,000 | $121,667 |
| 750.0 | 1 | $225,000 | $225,000 |
| 755.0 | 1 | $375,000 | $375,000 |
| 800.0 | 378 | $85,620,000 | $226,508 |
| 8060.0 | 1 | $675,000 | $675,000 |
| 821.29 | 1 | $275,000 | $275,000 |
| 850.0 | 1 | $185,000 | $185,000 |
| 860.0 | 1 | $155,000 | $155,000 |
| 875.0 | 1 | $195,000 | $195,000 |
| 943.4 | 5 | $965,000 | $193,000 |
| 945.0 | 1 | $295,000 | $295,000 |
| 95.0 | 1 | $195,000 | $195,000 |
| 995.0 | 3 | $675,000 | $225,000 |
| NA | 125 | $30,205,000 | $241,640 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $75,000 | $75,000 |
| Single Family (1-4 Units):Site-Built | 608 | $141,290,000 | $232,385 |