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 typically have relatively high rates.

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Originations

93

Origination Dollar Volume (All Markets)

$57,265,000

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 93 $57,265,000 $615,753 $0 8.88%
Acm Investor Services's top markets include

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 92 $56,790,000 $617,283 $0 8.88%
    HELOC 1 $475,000 $475,000 n/a 9.50%

    For 2019, Acm Investor Services's most frequently originated type of loan was Conventional, with 92 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 55 $31,325,000 $569,545 $0 9.26%
    Home Purchase 37 $24,935,000 $673,919 $0 8.32%
    Other 1 $1,005,000 $1,005,000 $0 9.00%

    For 2019, Acm Investor Services's most frequently cited loan purpose was Refi, with 55 originations. The 2nd most popular reason was Home Purchase, with 37 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 37 $25,275,000 $683,108 $0 8.74%
    3 Year 22 $8,710,000 $395,909 $0 8.46%
    Other 19 $11,535,000 $607,105 $0 9.59%
    1 Year 10 $7,470,000 $747,000 $0 9.00%
    5 Year 5 $4,275,000 $855,000 $0 8.90%

    For 2019, Acm Investor Services's most frequently cited loan duration was 30 Year, with 37 originations. The 2nd most popular length was 3 Year, with 22 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 72 $40,470,000 $562,083
    7-8% 13 $9,635,000 $741,154
    6-7% 7 $7,055,000 $1,007,857
    3-4% 1 $105,000 $105,000

    During 2019, Acm Investor Services's average interest rate for loans was 8.74%, while their most frequently originated rate bucket for loans was Over 8%, with 72 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 24 $7,080,000 $295,000 $0 8.34%
    $400k-600k 21 $10,075,000 $479,762 $0 9.63%
    $600k-1MM 19 $14,505,000 $763,421 $0 8.75%
    $1MM+ 15 $23,895,000 $1,593,000 $0 8.32%
    $100k-200k 11 $1,545,000 $140,455 $0 9.16%
    $100,000 or less 3 $165,000 $55,000 $0 10.67%

    2019 saw Acm Investor Services place emphasis on $200k-400k loans with 24 originations, totaling $7,080,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 58 $40,600,000 $700,000 $0 8.80%
    Not provided 17 $8,855,000 $520,882 $0 8.69%
    Not applicable 12 $5,500,000 $458,333 $0 9.33%
    Asian 3 $1,065,000 $355,000 $0 9.83%
    Black 2 $920,000 $460,000 $0 9.00%
    Native Hawaiian or Islander 1 $325,000 $325,000 $0 8.50%

    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

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $205,000 $205,000
    1000.0 1 $155,000 $155,000
    10000.0 1 $405,000 $405,000
    10500.0 2 $910,000 $455,000
    10713.45 1 $645,000 $645,000
    11500.0 1 $465,000 $465,000
    13500.0 1 $905,000 $905,000
    13781.25 1 $915,000 $915,000
    14250.0 1 $955,000 $955,000
    14625.0 1 $975,000 $975,000
    15956.25 1 $635,000 $635,000
    1600.0 1 $165,000 $165,000
    16000.0 1 $405,000 $405,000
    16500.0 2 $2,210,000 $1,105,000
    16800.0 1 $1,125,000 $1,125,000
    18000.0 1 $905,000 $905,000
    18484.38 1 $1,055,000 $1,055,000
    21000.0 1 $1,405,000 $1,405,000
    27500.0 1 $1,105,000 $1,105,000
    3000.0 2 $510,000 $255,000
    3225.0 1 $215,000 $215,000
    3687.5 1 $295,000 $295,000
    4468.75 1 $325,000 $325,000
    47125.0 1 $1,885,000 $1,885,000
    5775.0 1 $385,000 $385,000
    6000.0 1 $405,000 $405,000
    7230.0 1 $485,000 $485,000
    8000.0 2 $730,000 $365,000
    8175.0 1 $545,000 $545,000
    9000.0 1 $455,000 $455,000
    9750.0 1 $605,000 $605,000
    NA 58 $34,880,000 $601,379

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 93 $57,265,000 $615,753

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $17,185,000 $747,174 $0 8.93%
    40-60% 27 $16,835,000 $623,519 $0 8.27%
    60-80% 16 $14,480,000 $905,000 $0 8.67%
    Under 20% 25 $8,585,000 $343,400 $0 9.61%