Alliance Portfolio Private Equity Finance Mortgage Rates, Fees & Info
ALISO VIEJO, CALEI: 549300BB4JRRBSESMD71
Tax ID: 26-3556120
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Mortgage Data
Review & Overview
Alliance Portfolio Private Equity Finance is a smaller mortgage company specializing in Cash Out Refi and Refi loans. Alliance Portfolio Private Equity Finance has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Diego, San Luis Obispo, San Jose, and Salinas among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Alliance Portfolio Private Equity Finance has an 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
38Origination Dollar Volume (All Markets)
$20,860,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 34 | $18,870,000 | $555,000 | $0 | 10.60% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 8.99% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 8.99% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 10.99% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 10.99% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 38 | $20,860,000 | $548,947 | $0 | 10.54% |
For 2019, Alliance Portfolio Private Equity Finance's most frequently originated type of loan was Conventional, with 38 originations.
Loan Reason
For 2019, Alliance Portfolio Private Equity Finance's most frequently cited loan purpose was Cash Out Refi, with 19 originations. The 2nd most popular reason was Refi, with 13 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 3 Year | 23 | $12,435,000 | $540,652 | $0 | 10.78% |
| Other | 13 | $7,565,000 | $581,923 | $0 | 10.04% |
| 1 Year | 2 | $860,000 | $430,000 | $0 | 10.99% |
For 2019, Alliance Portfolio Private Equity Finance's most frequently cited loan duration was 3 Year, with 23 originations. The 2nd most popular length was Other, with 13 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 38 | $20,860,000 | $548,947 |
During 2019, Alliance Portfolio Private Equity Finance's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 38 originations.
Loan Sizing
2019 saw Alliance Portfolio Private Equity Finance place emphasis on $200k-400k loans with 10 originations, totaling $2,870,000 in origination value.
Applicant Income
Alliance Portfolio Private Equity Finance lent most frequently to those with incomes in the $250k+ range, with 16 originations. The second most popular income band? $100k-150k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 1 | $425,000 | $425,000 | $0 | 11.99% |
Alliance Portfolio Private Equity Finance lent most frequently to those with DTI ratios of 30-36%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications71.11%
Alliance Portfolio Private Equity Finance has a below average approval rate.
Pick Rate
Approvals leading to origination47.37%
Alliance Portfolio Private Equity Finance has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 38 | $20,860,000 | $548,947 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 1 | $305,000 | $305,000 |
| Single Family (1-4 Units):Site-Built | 37 | $20,555,000 | $555,541 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Alliance Data Card Services | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |