American Portfolio Mortgage Corporation Rates, Fees & Info

CARSON CITY, NV

LEI: 549300BBKMRS6J0CB539

Tax ID: 36-4078960

4.8 stars - out of 5 stars, based on 55 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • 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 Portfolio Mortgage Corporation is a smaller mortgage company specializing in Home Purchase and Refi loans. American Portfolio Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Minneapolis, St. Louis, Lansing, and The Villages among others. We have data for 117 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American Portfolio Mortgage Corporation 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. American Portfolio Mortgage Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.81% 1/29/23
    30 Year Conventional Refi 6.63% 1/29/23
    30 Year FHA Purchase 7.42% 1/29/23
    30 Year FHA Refi 7.03% 1/29/23
    30 Year VA Purchase 6.18% 1/29/23
    30 Year VA Refi 5.93% 1/29/23
    30 Year USDA Purchase 6.59% 1/29/23
    30 Year USDA Refi 6.64% 1/29/23
    15 Year Conventional Purchase 6.17% 1/29/23
    15 Year Conventional Refi 6.19% 1/29/23
    15 Year Cash-out Refi 6.19% 1/29/23
    15 Year FHA Purchase 7.52% 1/29/23
    15 Year FHA Refi 7.00% 1/29/23
    15 Year VA Purchase 5.63% 1/29/23
    15 Year VA Refi 5.79% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,035

    Origination Dollar Volume (All Markets)

    $680,685,000
    Show all (9) awards

    Relative Rate

    American Portfolio Mortgage Corporation's average 30 year fixed mortgage rate was 3.09%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.06%.

    Relative Fees (Closing Costs)

    American Portfolio Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $5,138.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2,006 $448,700,000 $223,679 $5,176 3.05%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 128 $34,670,000 $270,859 $4,818 2.89%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 152 $28,370,000 $186,645 $3,372 2.92%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 136 $24,410,000 $179,485 $3,711 3.11%
    THE VILLAGES, FL (FHA|USDA|VA) 75 $19,155,000 $255,400 $4,132 3.12%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 35 $8,435,000 $241,000 $5,140 3.08%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 40 $7,380,000 $184,500 $4,150 3.19%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 20 $7,320,000 $366,000 $2,696 2.49%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 16 $6,980,000 $436,250 $4,414 2.61%
    Faribault-Northfield, MN (FHA|USDA|VA) 28 $6,410,000 $228,929 $4,913 2.98%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 41 $5,945,000 $145,000 $3,447 3.07%
    Outside of Metro Areas 26 $4,860,000 $186,923 $3,544 3.06%
    OCALA, FL (FHA|USDA|VA) 19 $3,735,000 $196,579 $4,304 3.08%
    ROCKFORD, IL (FHA|USDA|VA) 19 $3,715,000 $195,526 $5,327 3.06%
    Whitewater, WI (FHA|USDA|VA) 11 $2,485,000 $225,909 $2,839 3.07%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $2,410,000 $241,000 $6,683 3.33%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $2,330,000 $194,167 $3,160 3.03%
    RACINE, WI (FHA|USDA|VA) 11 $2,295,000 $208,636 $5,562 2.75%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $2,275,000 $325,000 $3,793 3.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $2,220,000 $370,000 $5,636 3.15%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $2,120,000 $530,000 $7,673 2.59%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $1,970,000 $328,333 $3,635 2.52%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $1,895,000 $210,556 $5,601 3.03%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $1,665,000 $185,000 $3,430 2.85%
    KANKAKEE, IL (FHA|USDA|VA) 8 $1,640,000 $205,000 $5,671 2.89%
    Owatonna, MN (FHA|USDA|VA) 9 $1,615,000 $179,444 $4,608 3.17%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,495,000 $1,495,000 $12,188 3.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,405,000 $281,000 $4,406 2.38%
    Mount Vernon, IL (FHA|USDA|VA) 12 $1,350,000 $112,500 $3,387 3.01%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,305,000 $261,000 $4,365 2.78%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 7 $1,295,000 $185,000 $3,928 3.20%
    TUCSON, AZ (FHA|USDA|VA) 6 $1,270,000 $211,667 $6,518 3.48%
    Ottawa, IL (FHA|USDA|VA) 6 $1,260,000 $210,000 $4,377 3.13%
    BOISE CITY, ID (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $9,069 2.88%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $3,686 2.94%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 8 $1,190,000 $148,750 $5,719 2.83%
    BLOOMINGTON, IL (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,585 3.04%
    JACKSON, MI (FHA|USDA|VA) 6 $1,100,000 $183,333 $2,643 2.92%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $1,025,000 $341,667 $4,163 3.33%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,000,000 $250,000 $5,151 3.31%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $895,000 $298,333 $2,189 2.25%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 6 $880,000 $146,667 $5,131 2.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $815,000 $271,667 $2,265 3.17%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $810,000 $405,000 $3,704 3.44%
    MADISON, WI (FHA|USDA|VA) 4 $810,000 $202,500 $4,128 3.19%
    Beaver Dam, WI (FHA|USDA|VA) 3 $765,000 $255,000 $4,870 3.42%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $740,000 $370,000 $4,715 3.56%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $735,000 $245,000 $4,242 3.21%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $725,000 $241,667 $2,979 3.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $685,000 $228,333 $5,397 2.79%
    Red Wing, MN (FHA|USDA|VA) 2 $660,000 $330,000 $6,094 2.81%
    MANKATO, MN (FHA|USDA|VA) 3 $645,000 $215,000 $3,595 3.00%
    ROCHESTER, MN (FHA|USDA|VA) 2 $630,000 $315,000 $7,136 2.94%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $600,000 $300,000 $3,654 3.13%
    Fergus Falls, MN (FHA|USDA|VA) 1 $545,000 $545,000 $4,300 3.50%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $545,000 $181,667 $4,541 2.63%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $535,000 $535,000 $6,138 3.50%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $525,000 $525,000 $1,494 2.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $510,000 $255,000 $4,476 2.69%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $510,000 $255,000 $2,963 2.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $500,000 $250,000 $5,821 3.13%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $500,000 $250,000 $4,758 2.88%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $485,000 $485,000 $3,468 2.25%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $470,000 $235,000 $4,649 2.88%
    FLINT, MI (FHA|USDA|VA) 2 $470,000 $235,000 $7,035 2.81%
    Marquette, MI (FHA|USDA|VA) 2 $460,000 $230,000 $7,922 3.00%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $460,000 $230,000 $3,660 3.50%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $435,000 $145,000 $4,736 3.21%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $405,000 $405,000 $2,903 3.25%
    RENO, NV (FHA|USDA|VA) 1 $405,000 $405,000 $1,029 2.75%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $395,000 $395,000 $2,627 3.13%
    WILMINGTON, NC (FHA|USDA|VA) 2 $390,000 $195,000 $2,494 3.06%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $380,000 $190,000 $2,571 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,717 2.88%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $325,000 $325,000 $9,121 2.00%
    Brainerd, MN (FHA|USDA|VA) 2 $310,000 $155,000 $3,382 3.00%
    PEORIA, IL (FHA|USDA|VA) 1 $295,000 $295,000 $1,271 2.75%
    IOWA CITY, IA (FHA|USDA|VA) 1 $295,000 $295,000 $1,666 3.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,908 3.50%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $285,000 $285,000 $4,542 3.25%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $285,000 $285,000 $9,958 3.75%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $275,000 $275,000 $2,815 3.13%
    Adrian, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,935 3.88%
    Quincy, IL-MO (FHA|USDA|VA) 1 $255,000 $255,000 $4,144 3.13%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $255,000 $255,000 $3,814 2.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,474 3.13%
    Hillsdale, MI (FHA|USDA|VA) 1 $235,000 $235,000 $3,012 2.75%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $1,863 2.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $3,921 3.13%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,858 2.88%
    Cookeville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $7,581 2.75%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,929 3.13%
    Greeneville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $8,694 3.75%
    GREELEY, CO (FHA|USDA|VA) 1 $215,000 $215,000 $3,456 2.63%
    MUSKEGON, MI (FHA|USDA|VA) 1 $215,000 $215,000 $1,772 2.25%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,226 2.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,168 3.00%
    VALLEJO, CA (FHA|USDA|VA) 1 $195,000 $195,000 $3,160 3.25%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $190,000 $95,000 $3,528 3.56%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $185,000 $185,000 $5,713 2.88%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $185,000 $185,000 $1,995 3.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,671 3.25%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $185,000 $185,000 $3,637 3.88%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $175,000 $175,000 $6,263 2.75%
    Menomonie, WI (FHA|USDA|VA) 1 $165,000 $165,000 $5,529 2.38%
    Freeport, IL (FHA|USDA|VA) 1 $165,000 $165,000 $3,874 3.38%
    Rochelle, IL (FHA|USDA|VA) 1 $155,000 $155,000 $4,788 2.75%
    Payson, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $4,179 3.38%
    Coshocton, OH (FHA|USDA|VA) 1 $145,000 $145,000 $6,635 2.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,106 3.38%
    Austin, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,521 3.63%
    Dixon, IL (FHA|USDA|VA) 1 $115,000 $115,000 $6,815 3.38%
    Crossville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,221 3.38%
    COLUMBIA, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,067 3.25%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,858 3.25%
    NILES, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,053 3.38%
    Centralia, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,389 2.75%
    American Portfolio Mortgage Corporation's top markets include Chicago, Minneapolis, St. Louis, Lansing, and The Villages among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)

    • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,153 $473,335,000 $219,849 $3,930 3.11%
    FHA 624 $131,770,000 $211,170 $7,929 2.97%
    VA 231 $70,355,000 $304,567 $4,774 2.58%
    USDA 27 $5,225,000 $193,519 $5,181 2.72%

    For 2021, American Portfolio Mortgage Corporation's most frequently originated type of loan was Conventional, with 2,153 originations. Their 2nd most popular type was FHA, with 624 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,760 $403,590,000 $229,313 $6,021 3.11%
    Refi 1,275 $277,095,000 $217,329 $3,178 2.93%

    For 2021, American Portfolio Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 1,760 originations. The 2nd most popular reason was Refi, with 1,275 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,602 $599,860,000 $230,538 $5,138 3.09%
    15 Year 279 $50,255,000 $180,125 $2,932 2.62%
    20 Year 100 $20,860,000 $208,600 $3,055 2.96%
    10 Year 29 $4,215,000 $145,345 $2,793 2.42%
    Other 25 $5,495,000 $219,800 $3,259 3.00%

    For 2021, American Portfolio Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,602 originations. The 2nd most popular length was 15 Year, with 279 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,134 $456,830,000 $214,072
    $<1k 477 $111,755,000 $234,287
    $2k-3k 256 $60,980,000 $238,203
    $3k-4k 96 $27,720,000 $288,750
    $5k+ 34 $11,760,000 $345,882
    $4k-5k 33 $10,615,000 $321,667

    American Portfolio Mortgage Corporation's average total fees were $5,138, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,134 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,386 $307,950,000 $222,186
    2.5-3% 1,220 $274,820,000 $225,262
    <2.5% 381 $88,895,000 $233,320
    4-5% 48 $9,020,000 $187,917

    During 2021, American Portfolio Mortgage Corporation's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 3-4%, with 1,386 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,374 $373,080,000 $271,528 $5,427 3.02%
    $100k-200k 1,220 $186,450,000 $152,828 $4,211 3.06%
    $100,000 or less 230 $18,450,000 $80,217 $3,531 3.04%
    $400k-600k 197 $91,155,000 $462,716 $5,619 2.95%
    $600k-1MM 12 $8,820,000 $735,000 $9,665 2.95%
    $1MM+ 2 $2,730,000 $1,365,000 $10,628 3.19%

    2021 saw American Portfolio Mortgage Corporation place emphasis on $200k-400k loans with 1,374 originations, totaling $373,080,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 785 $151,875,000 $193,471 $5,129 3.07%
    $100k-150k 616 $164,450,000 $266,964 $4,928 3.07%
    $75k-100k 573 $130,705,000 $228,106 $5,023 3.05%
    $50k or less 543 $78,095,000 $143,821 $4,900 3.06%
    $150k-250k 312 $90,880,000 $291,282 $4,375 2.99%
    $250k+ 77 $30,095,000 $390,844 $4,369 3.07%

    American Portfolio Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 785 originations. The second most popular income band? $100k-150k, with 616 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 603 $130,585,000 $216,559 $4,680 3.08%
    20-30% 582 $128,190,000 $220,258 $3,993 2.99%
    <20% 163 $35,305,000 $216,595 $3,520 2.95%
    44% 131 $29,565,000 $225,687 $5,608 3.25%
    42% 129 $28,875,000 $223,837 $4,887 3.12%
    37% 127 $28,235,000 $222,323 $4,602 3.08%
    50-60% 122 $27,400,000 $224,590 $8,101 2.98%
    43% 118 $24,750,000 $209,746 $5,054 3.09%
    49% 115 $25,235,000 $219,435 $5,666 3.12%
    36% 113 $24,805,000 $219,513 $4,960 3.03%
    41% 112 $25,510,000 $227,768 $5,701 3.09%
    39% 108 $25,440,000 $235,556 $5,156 3.10%
    40% 95 $21,835,000 $229,842 $4,910 3.08%
    38% 94 $20,640,000 $219,574 $5,304 3.11%
    47% 81 $19,435,000 $239,938 $5,344 2.95%
    46% 77 $19,445,000 $252,532 $5,924 3.08%
    45% 75 $16,545,000 $220,600 $5,583 2.99%
    48% 69 $14,895,000 $215,870 $5,621 3.06%
    >60% 1 $495,000 $495,000 $21,148 3.00%

    American Portfolio Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 603 originations. The next most common DTI ratio? 20-30%, with 582 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,312 $517,830,000 $223,975 $4,524 3.02%
    Black 478 $101,780,000 $212,929 $6,506 3.15%
    Not provided 177 $43,995,000 $248,559 $4,410 2.98%
    Asian 53 $13,495,000 $254,623 $4,723 2.92%
    American Indian 9 $2,025,000 $225,000 $3,741 3.01%
    Not applicable 2 $660,000 $330,000 $4,418 3.19%
    Asian Indian 2 $380,000 $190,000 $2,902 3.44%
    Other Asian 1 $325,000 $325,000 $5,175 2.75%
    Native Hawaiian or Islander 1 $195,000 $195,000 $1,763 2.63%

    Approval Rates

    Total approvals of all applications
    98.12%

    American Portfolio Mortgage Corporation 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
    78.32%

    American Portfolio Mortgage Corporation has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,035 $680,685,000 $224,278

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,035 $680,685,000 $224,278

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $7,335,000 $120,246 $2,974 2.75%
    40-60% 286 $53,420,000 $186,783 $2,999 2.85%
    60-80% 935 $209,555,000 $224,123 $3,678 3.11%
    80-100% 1,616 $371,660,000 $229,988 $5,957 3.08%
    Over 100% 20 $6,270,000 $313,500 $12,564 2.76%
    Under 20% 1 $75,000 $75,000 $1,998 3.38%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    AMERICAN PORTIFOLIO MORTGAGE FHA mortgage Trouble during payment process 1 50.0%
    AMERICAN PORTIFOLIO MORTGAGE VA mortgage Trouble during payment process 1 50.0%