Acm Investor Services Mortgage Rates, Fees & Info

Larkspur, CA

LEI: 5493001QNNB0G97J5530

Tax ID: 68-0277551

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Mortgage Data

Review & Overview

Acm Investor Services is a smaller mortgage company specializing in Refi and Home Purchase loans. Acm Investor Services has a high proportion of conventional loans.

Acm Investor 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. They typically have relatively high rates.

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Originations

74

Origination Dollar Volume (All Markets)

$42,120,000

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
Outside of Metro Areas 74 $42,120,000 $569,189 $0 9.12%
Acm Investor Services's top markets include

Their top states include:
  • California (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 74 $42,120,000 $569,189 $0 9.12%

    For 2018, Acm Investor Services's most frequently originated type of loan was Conventional, with 74 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 38 $15,550,000 $409,211 $0 9.29%
    Home Purchase 35 $26,095,000 $745,571 $0 8.96%
    Home Improvement 1 $475,000 $475,000 $0 8.00%

    For 2018, Acm Investor Services's most frequently cited loan purpose was Refi, with 38 originations. The 2nd most popular reason was Home Purchase, with 35 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 45 $28,695,000 $637,667 $0 9.24%
    Other 12 $6,300,000 $525,000 $0 9.08%
    3 Year 9 $4,195,000 $466,111 $0 8.97%
    1 Year 5 $2,505,000 $501,000 $0 8.90%
    5 Year 2 $330,000 $165,000 $0 9.50%
    20 Year 1 $95,000 $95,000 $0 5.50%

    For 2018, Acm Investor Services's most frequently cited loan duration was 30 Year, with 45 originations. The 2nd most popular length was Other, with 12 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 65 $37,135,000 $571,308
    7-8% 7 $4,825,000 $689,286
    5-6% 1 $95,000 $95,000
    6-7% 1 $65,000 $65,000

    During 2018, Acm Investor Services's average interest rate for loans was 9.24%, while their most frequently originated rate bucket for loans was Over 8%, with 65 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $400k-600k 20 $9,570,000 $478,500 $0 8.91%
    $200k-400k 16 $4,510,000 $281,875 $0 9.93%
    $600k-1MM 15 $11,985,000 $799,000 $0 8.63%
    $100k-200k 10 $1,480,000 $148,000 $0 9.48%
    $1MM+ 9 $14,275,000 $1,586,111 $0 8.97%
    $100,000 or less 4 $300,000 $75,000 $0 8.13%

    2018 saw Acm Investor Services place emphasis on $400k-600k loans with 20 originations, totaling $9,570,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 40 $24,340,000 $608,500 $0 9.01%
    White 30 $15,430,000 $514,333 $0 9.24%
    Asian 2 $1,460,000 $730,000 $0 8.75%
    Black 2 $890,000 $445,000 $0 9.88%

    Approval Rates

    Total approvals of all applications
    100.00%

    Acm Investor 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 origination
    95.95%

    Acm Investor 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 3 $285,000 $95,000
    11000.0 1 $445,000 $445,000
    11375.25 1 $755,000 $755,000
    11550.0 1 $385,000 $385,000
    12000.0 1 $605,000 $605,000
    12500.0 2 $1,010,000 $505,000
    12600.0 1 $845,000 $845,000
    13125.0 1 $375,000 $375,000
    13425.0 1 $895,000 $895,000
    13500.0 1 $905,000 $905,000
    13562.5 1 $775,000 $775,000
    14000.0 1 $805,000 $805,000
    14700.0 1 $495,000 $495,000
    14765.63 1 $845,000 $845,000
    16000.0 1 $405,000 $405,000
    17187.5 1 $1,375,000 $1,375,000
    18000.0 1 $1,205,000 $1,205,000
    2093.75 1 $165,000 $165,000
    21000.0 1 $1,685,000 $1,685,000
    21243.75 1 $1,545,000 $1,545,000
    2250.0 1 $225,000 $225,000
    22750.0 1 $915,000 $915,000
    2400.0 1 $85,000 $85,000
    2587.5 1 $205,000 $205,000
    3375.0 1 $155,000 $155,000
    3500.0 1 $175,000 $175,000
    36000.0 1 $1,805,000 $1,805,000
    3870.0 1 $175,000 $175,000
    40425.0 1 $1,475,000 $1,475,000
    4387.5 1 $325,000 $325,000
    4500.0 2 $260,000 $130,000
    4725.0 1 $315,000 $315,000
    4777.5 1 $315,000 $315,000
    5000.0 1 $125,000 $125,000
    52500.0 1 $3,005,000 $3,005,000
    5625.0 1 $255,000 $255,000
    6000.0 1 $205,000 $205,000
    6875.0 1 $505,000 $505,000
    7000.0 1 $405,000 $405,000
    7125.0 1 $475,000 $475,000
    7481.25 1 $315,000 $315,000
    7650.0 1 $515,000 $515,000
    8000.0 2 $410,000 $205,000
    8400.0 1 $425,000 $425,000
    8750.0 1 $505,000 $505,000
    9400.0 1 $475,000 $475,000
    9562.5 1 $425,000 $425,000
    NA 22 $11,840,000 $538,182

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 74 $42,120,000 $569,189

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $11,450,000 $572,500 $0 9.35%
    40-60% 19 $14,725,000 $775,000 $0 8.70%
    60-80% 12 $11,030,000 $919,167 $0 8.73%
    Under 20% 20 $3,940,000 $197,000 $0 9.53%