American Pride Bank Mortgage Rates, Fees & Info
Macon, GALEI: 254900WO60HTEULEHM24
Tax ID: 26-1484853
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Mortgage Data
Review & Overview
American Pride Bank is a smaller bank specializing in Refi loans. American Pride Bank has a high proportion of conventional loans. Their top markets by origination volume include: Milledgeville, Athens, Warner Robins, Macon, and Panama City among others. We have data for 7 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.
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Originations
31Origination Dollar Volume (All Markets)
$6,975,000Top 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 |
|---|---|---|---|---|---|
| Milledgeville, GA (FHA|USDA|VA) | 1 | $2,995,000 | $2,995,000 | $0 | 0.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $0 | 0.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 10 | $1,200,000 | $120,000 | $0 | 0.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 13 | $765,000 | $58,846 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 0.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 31 | $6,975,000 | $225,000 | $0 | 0.00% |
For 2019, American Pride Bank's most frequently originated type of loan was Conventional, with 31 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 23 | $6,455,000 | $280,652 | $0 | 0.00% |
| Home Purchase | 8 | $520,000 | $65,000 | $0 | 0.00% |
For 2019, American Pride Bank's most frequently cited loan purpose was Refi, with 23 originations. The 2nd most popular reason was Home Purchase, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 31 | $6,975,000 | $225,000 | $0 | 0.00% |
For 2019, American Pride Bank's most frequently cited loan duration was Other, with 31 originations.
Loan Sizing
2019 saw American Pride Bank place emphasis on $100,000 or less loans with 18 originations, totaling $860,000 in origination value.
Applicant Income
American Pride Bank lent most frequently to those with incomes in the $50k-75k range, with 4 originations. The second most popular income band? $250k+, with 3 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 31 | $6,975,000 | $225,000 | $0 | 0.00% |
American Pride Bank lent most frequently to those with DTI ratios of Exempt%, with 31 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
American Pride Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination87.10%
American Pride Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 31 | $6,975,000 | $225,000 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 2 | $3,150,000 | $1,575,000 |
| Single Family (1-4 Units):Site-Built | 29 | $3,825,000 | $131,897 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERIS BANCORP | Conventional home mortgage | Struggling to pay mortgage | 1 | 7.1% |
| AMERIS BANCORP | Conventional home mortgage | Closing on a mortgage | 1 | 7.1% |
| AMERIS BANCORP | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 14.3% |
| AMERIS BANCORP | VA mortgage | Trouble during payment process | 1 | 7.1% |
| AMERIS BANCORP | Other type of mortgage | Struggling to pay mortgage | 1 | 7.1% |
| AMERIS BANCORP | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 14.3% |
| AMERIS BANCORP | FHA mortgage | Trouble during payment process | 1 | 7.1% |
| AMERIS BANCORP | Conventional home mortgage | Trouble during payment process | 5 | 35.7% |