American Pride Bank Mortgage Rates, Fees & Info

Macon, GA

LEI: 254900WO60HTEULEHM24

Tax ID: 26-1484853

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    American Pride Bank is a smaller bank specializing in Refi and Home Purchase loans. American Pride Bank has a high proportion of conventional loans. Their top markets by origination volume include: Macon, Athens, Warner Robins, Panama City, and Atlanta among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American Pride Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    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.

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    Originations

    34

    Origination Dollar Volume (All Markets)

    $4,400,000

    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
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 15 $2,055,000 $137,000 $0 0.00%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 8 $1,170,000 $146,250 $0 0.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 7 $585,000 $83,571 $0 0.00%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $350,000 $175,000 $0 0.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
    Outside of Metro Areas 1 $75,000 $75,000 $0 0.00%
    American Pride Bank's top markets include Macon, Athens, Warner Robins, Panama City, and Atlanta among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 34 $4,400,000 $129,412 $0 0.00%

    For 2018, American Pride Bank's most frequently originated type of loan was Conventional, with 34 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 23 $3,085,000 $134,130 $0 0.00%
    Home Purchase 9 $995,000 $110,556 $0 0.00%
    Cash Out Refi 2 $320,000 $160,000 $0 0.00%

    For 2018, American Pride Bank's most frequently cited loan purpose was Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 34 $4,400,000 $129,412 $0 0.00%

    For 2018, American Pride Bank's most frequently cited loan duration was Other, with 34 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 17 $885,000 $52,059 $0 0.00%
    $200k-400k 9 $2,515,000 $279,444 $0 0.00%
    $100k-200k 8 $1,000,000 $125,000 $0 0.00%

    2018 saw American Pride Bank place emphasis on $100,000 or less loans with 17 originations, totaling $885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 4 $200,000 $50,000 $0 0.00%
    $50k-75k 3 $45,000 $15,000 $0 0.00%
    $250k+ 2 $440,000 $220,000 $0 0.00%
    $150k-250k 1 $85,000 $85,000 $0 0.00%
    $75k-100k 1 $75,000 $75,000 $0 0.00%

    American Pride Bank lent most frequently to those with incomes in the $50k or less range, with 4 originations. The second most popular income band? $50k-75k, with 3 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 34 $4,400,000 $129,412 $0 0.00%

    American Pride Bank lent most frequently to those with DTI ratios of Exempt%, with 34 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 23 $3,555,000 $154,565 $0 0.00%
    White 6 $380,000 $63,333 $0 0.00%
    Asian Indian 1 $275,000 $275,000 $0 0.00%
    Black 3 $125,000 $41,667 $0 0.00%
    Not provided 1 $65,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.68%

    American Pride Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.24%

    American Pride Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 34 $4,400,000 $129,412

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $165,000 $165,000
    Single Family (1-4 Units):Site-Built 33 $4,235,000 $128,333

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    American Preferred Lending Conventional home mortgage Closing on a mortgage 1 50.0%
    American Preferred Lending FHA mortgage Trouble during payment process 1 50.0%