American Internet Mortgage Rates, Fees & Info

SAN DIEGO, CA

LEI: 549300BOXNV8VLRBDT24

Tax ID: 52-2091594

5 stars - Updated: 5/14/24 - out of 5 stars, based on 26 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

American Internet Mortgage is a smaller mortgage company specializing in Home Purchase loans. American Internet Mortgage has a high proportion of conventional loans. Their top markets by origination volume include: Phoenix, Los Angeles, Sacramento, Dallas, and Houston among others. We have data for 197 markets. (Some data included below & more in-depth data is available with an active subscription.)

American Internet Mortgage 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. American Internet Mortgage 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 relatively high 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 6.19% 5/14/24
30 Year Conventional Refi 6.11% 5/14/24
30 Year Cash-out Refi 6.29% 5/14/24
30 Year VA Purchase 5.56% 5/14/24
30 Year VA Refi 5.41% 5/14/24
15 Year Conventional Purchase 5.67% 5/14/24
15 Year Conventional Refi 5.70% 5/14/24
15 Year Cash-out Refi 5.70% 5/14/24
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.

American Internet Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from American Internet Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

674

Origination Dollar Volume (All Markets)

$199,510,000

Awards

AMERICAN INTERNET MORTGAGE 30 Year Conventional Loans bronze AMERICAN INTERNET MORTGAGE 30 Year Conventional Loans bronze AMERICAN INTERNET MORTGAGE 30 Year Conventional Loans bronze
Show all (3) awards

Relative Rate

American Internet Mortgage's average 30 year fixed mortgage rate was 6.41%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.07%.

Relative Fees (Closing Costs)

American Internet Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $7,069.

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 $9,089.

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 34 $9,990,000 $293,824 $5,068 6.98%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 25 $9,555,000 $382,200 $6,743 6.83%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 17 $6,125,000 $360,294 $7,250 7.01%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 20 $6,090,000 $304,500 $6,459 6.38%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 18 $5,310,000 $295,000 $8,937 6.17%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 11 $5,215,000 $474,091 $8,538 6.48%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 14 $4,990,000 $356,429 $7,033 6.79%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $4,875,000 $443,182 $7,278 6.88%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 11 $4,775,000 $434,091 $4,910 6.98%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $4,600,000 $383,333 $5,307 6.44%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 18 $4,400,000 $244,444 $4,321 6.73%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 13 $4,115,000 $316,538 $4,667 7.34%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 13 $3,665,000 $281,923 $3,344 6.72%
RALEIGH-CARY, NC (FHA|USDA|VA) 9 $3,345,000 $371,667 $7,092 6.19%
Outside of Metro Areas 13 $3,275,000 $251,923 $7,495 6.43%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 10 $3,210,000 $321,000 $6,449 6.65%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 13 $3,165,000 $243,462 $5,542 6.99%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 13 $3,125,000 $240,385 $5,343 6.36%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $2,905,000 $415,000 $8,875 6.76%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 12 $2,410,000 $200,833 $4,347 6.68%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $2,375,000 $263,889 $3,322 6.93%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 10 $2,240,000 $224,000 $3,057 6.43%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 8 $2,230,000 $278,750 $5,409 6.48%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,160,000 $360,000 $6,832 6.69%
BOISE CITY, ID (FHA|USDA|VA) 5 $2,145,000 $429,000 $7,592 5.73%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,115,000 $423,000 $9,585 6.85%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,110,000 $351,667 $6,717 6.08%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $2,085,000 $297,857 $7,437 6.11%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,970,000 $328,333 $5,481 6.65%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,865,000 $621,667 $7,227 6.79%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,845,000 $263,571 $6,991 6.41%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $1,835,000 $262,143 $7,621 6.26%
RICHMOND, VA (FHA|USDA|VA) 6 $1,750,000 $291,667 $7,095 6.48%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,730,000 $432,500 $10,390 6.06%
STOCKTON, CA (FHA|USDA|VA) 3 $1,615,000 $538,333 $5,116 6.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $1,590,000 $265,000 $5,709 6.00%
ANCHORAGE, AK (FHA|USDA|VA) 5 $1,585,000 $317,000 $4,303 7.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $1,550,000 $258,333 $10,420 5.67%
COLUMBUS, OH (FHA|USDA|VA) 6 $1,480,000 $246,667 $3,635 6.96%
TULSA, OK (FHA|USDA|VA) 6 $1,410,000 $235,000 $6,901 6.31%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,330,000 $332,500 $3,690 6.44%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $1,280,000 $213,333 $1,948 7.74%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $1,200,000 $300,000 $7,654 5.81%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $1,160,000 $290,000 $4,288 6.88%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,130,000 $282,500 $2,695 7.00%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,125,000 $375,000 $2,137 7.04%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $1,085,000 $217,000 $6,273 6.35%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $1,080,000 $270,000 $2,775 6.78%
VALLEJO, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $5,874 7.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $980,000 $490,000 $0 6.56%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $970,000 $485,000 $3,306 6.56%
MEDFORD, OR (FHA|USDA|VA) 4 $970,000 $242,500 $6,454 6.79%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $970,000 $242,500 $5,908 5.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $945,000 $189,000 $5,075 7.10%
LANCASTER, PA (FHA|USDA|VA) 2 $940,000 $470,000 $8,149 6.31%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $925,000 $308,333 $9,859 6.00%
SALEM, OR (FHA|USDA|VA) 2 $890,000 $445,000 $10,808 5.81%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $875,000 $291,667 $5,824 6.33%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $855,000 $285,000 $12,240 6.17%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $825,000 $275,000 $21,120 6.67%
STAUNTON, VA (FHA|USDA|VA) 2 $810,000 $405,000 $9,675 5.75%
FORT WAYNE, IN (FHA|USDA|VA) 3 $785,000 $261,667 $2,506 6.42%
SPRINGFIELD, MO (FHA|USDA|VA) 4 $780,000 $195,000 $6,536 6.69%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $765,000 $765,000 $0 7.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $750,000 $375,000 $216 7.98%
TUCSON, AZ (FHA|USDA|VA) 3 $735,000 $245,000 $3,381 6.67%
BOULDER, CO (FHA|USDA|VA) 1 $725,000 $725,000 $3,037 6.00%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $710,000 $355,000 $5,662 6.19%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $685,000 $228,333 $5,864 6.08%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $685,000 $228,333 $7,910 5.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $675,000 $225,000 $5,933 6.04%
MOBILE, AL (FHA|USDA|VA) 4 $670,000 $167,500 $6,325 6.88%
MIDLAND, TX (FHA|USDA|VA) 1 $665,000 $665,000 $6,505 6.25%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $640,000 $320,000 $0 7.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $620,000 $310,000 $2,920 6.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $610,000 $305,000 $1,881 7.84%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $595,000 $198,333 $8,436 5.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $575,000 $575,000 $5,851 6.88%
FRESNO, CA (FHA|USDA|VA) 3 $575,000 $191,667 $417 7.19%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $560,000 $280,000 $8,143 5.88%
JACKSON, MS (FHA|USDA|VA) 2 $560,000 $280,000 $6,457 5.81%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $555,000 $185,000 $0 6.75%
GADSDEN, AL (FHA|USDA|VA) 1 $555,000 $555,000 $4,233 5.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $555,000 $185,000 $5,125 6.69%
Port Angeles, WA (FHA|USDA|VA) 1 $555,000 $555,000 $5,210 6.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $545,000 $545,000 $8,154 5.88%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $530,000 $265,000 $3,666 6.44%
ST. GEORGE, UT (FHA|USDA|VA) 2 $530,000 $265,000 $6,863 5.88%
Breckenridge, CO (FHA|USDA|VA) 1 $525,000 $525,000 $0 6.38%
PITTSBURGH, PA (FHA|USDA|VA) 1 $525,000 $525,000 $5,841 5.75%
Richmond-Berea, KY (FHA|USDA|VA) 2 $520,000 $260,000 $10,659 5.31%
Laconia, NH (FHA|USDA|VA) 2 $520,000 $260,000 $10,864 7.46%
GAINESVILLE, GA (FHA|USDA|VA) 1 $515,000 $515,000 $4,179 6.13%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $515,000 $171,667 $6,854 6.50%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $485,000 $485,000 $21,631 5.38%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $480,000 $240,000 $1,820 7.90%
ST. CLOUD, MN (FHA|USDA|VA) 1 $475,000 $475,000 $3,757 6.50%
Ardmore, OK (FHA|USDA|VA) 2 $460,000 $230,000 $3,616 7.00%
Helena, MT (FHA|USDA|VA) 1 $445,000 $445,000 $3,147 6.63%
LUBBOCK, TX (FHA|USDA|VA) 2 $440,000 $220,000 $4,381 5.81%
Fairmont, WV (FHA|USDA|VA) 1 $425,000 $425,000 $5,245 5.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $420,000 $210,000 $6,138 5.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $410,000 $205,000 $7,476 6.56%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,276 7.25%
RENO, NV (FHA|USDA|VA) 2 $400,000 $200,000 $350 7.98%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $395,000 $395,000 $4,887 6.63%
Concord, NH (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.25%
CLEVELAND, TN (FHA|USDA|VA) 1 $395,000 $395,000 $14,400 5.25%
TYLER, TX (FHA|USDA|VA) 2 $390,000 $195,000 $0 7.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $385,000 $385,000 $16,139 6.13%
TWIN FALLS, ID (FHA|USDA|VA) 1 $385,000 $385,000 $5,106 5.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $4,438 6.75%
MANHATTAN, KS (FHA|USDA|VA) 2 $380,000 $190,000 $2,220 5.44%
AKRON, OH (FHA|USDA|VA) 1 $375,000 $375,000 $4,428 6.00%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $370,000 $185,000 $2,882 6.81%
BATON ROUGE, LA (FHA|USDA|VA) 1 $365,000 $365,000 $4,575 6.25%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $365,000 $365,000 $17,653 5.75%
LOUISVILLE, KY (FHA|USDA|VA) 2 $360,000 $180,000 $7,792 6.06%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $350,000 $175,000 $9,802 5.88%
MONTGOMERY, AL (FHA|USDA|VA) 1 $345,000 $345,000 $3,494 6.00%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $345,000 $345,000 $11,607 5.38%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $345,000 $345,000 $10,414 5.75%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $335,000 $335,000 $14,377 5.88%
JONESBORO, AR (FHA|USDA|VA) 1 $325,000 $325,000 $11,960 5.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,504 6.50%
PUEBLO, CO (FHA|USDA|VA) 1 $325,000 $325,000 $4,011 7.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,153 6.00%
COLUMBIA, SC (FHA|USDA|VA) 1 $315,000 $315,000 $3,292 6.25%
PROVO-OREM, UT (FHA|USDA|VA) 2 $310,000 $155,000 $4,665 7.66%
SALINAS, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.00%
MISSOULA, MT (FHA|USDA|VA) 1 $295,000 $295,000 $4,405 7.25%
Lewisburg, PA (FHA|USDA|VA) 1 $295,000 $295,000 $5,211 5.75%
Georgetown, SC (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.00%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $275,000 $275,000 $9,440 5.38%
Ruston, LA (FHA|USDA|VA) 1 $275,000 $275,000 $4,679 6.00%
Altus, OK (FHA|USDA|VA) 1 $265,000 $265,000 $4,168 6.38%
OCALA, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,824 6.38%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.38%
GREAT FALLS, MT (FHA|USDA|VA) 1 $255,000 $255,000 $2,909 5.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $250,000 $125,000 $0 7.00%
MADISON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $0 6.50%
LYNCHBURG, VA (FHA|USDA|VA) 1 $245,000 $245,000 $3,158 6.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $235,000 $235,000 $8,240 5.00%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $235,000 $235,000 $9,687 5.38%
Gainesville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $0 7.50%
Newport, TN (FHA|USDA|VA) 1 $235,000 $235,000 $9,346 6.75%
KNOXVILLE, TN (FHA|USDA|VA) 2 $230,000 $115,000 $3,301 7.23%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,262 6.63%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.50%
WICHITA, KS (FHA|USDA|VA) 1 $225,000 $225,000 $9,648 5.50%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $11,683 5.75%
ROME, GA (FHA|USDA|VA) 1 $225,000 $225,000 $5,336 6.75%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.00%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $215,000 $215,000 $7,432 5.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $4,199 5.88%
Heber, UT (FHA|USDA|VA) 1 $205,000 $205,000 $7,435 5.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $190,000 $95,000 $0 6.19%
APPLETON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,807 6.63%
HINESVILLE, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,839 5.38%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $3,761 6.88%
CASPER, WY (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.00%
Dayton, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,078 6.50%
Albert Lea, MN (FHA|USDA|VA) 1 $155,000 $155,000 $8,292 5.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $9,824 5.00%
Outside of Metro Areas 1 $145,000 $145,000 $8,100 5.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.50%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $135,000 $135,000 $7,065 5.38%
Hillsdale, MI (FHA|USDA|VA) 1 $135,000 $135,000 $4,207 6.50%
CHEYENNE, WY (FHA|USDA|VA) 1 $135,000 $135,000 $7,986 4.88%
Frankfort, KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.63%
Durango, CO (FHA|USDA|VA) 1 $115,000 $115,000 $3,339 7.00%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $115,000 $115,000 $2,780 5.88%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $105,000 $105,000 $4,275 6.00%
AMARILLO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.13%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.88%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $6,730 5.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $95,000 $95,000 $5,350 5.50%
FARGO, ND-MN (FHA|USDA|VA) 1 $85,000 $85,000 $2,464 6.50%
Alpena, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.38%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $3,140 6.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $85,000 $85,000 $4,788 5.25%
MERCED, CA (FHA|USDA|VA) 1 $75,000 $75,000 $842 9.60%
LINCOLN, NE (FHA|USDA|VA) 1 $75,000 $75,000 $534 10.05%
LAWRENCE, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,547 7.25%
FLORENCE, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.63%
BELLINGHAM, WA (FHA|USDA|VA) 1 $65,000 $65,000 $214 9.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $55,000 $55,000 $262 9.25%
ROANOKE, VA (FHA|USDA|VA) 1 $45,000 $45,000 $907 9.00%
ASHEVILLE, NC (FHA|USDA|VA) 1 $45,000 $45,000 $577 8.60%
MODESTO, CA (FHA|USDA|VA) 1 $35,000 $35,000 $267 9.15%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $35,000 $35,000 $214 10.60%
American Internet Mortgage's top markets include Phoenix, Los Angeles, Sacramento, Dallas, and Houston among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against AMERICAN INTERNET MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    OCEAN STATE CREDIT UNION
    Similarity Rank: 45
    COASTHILLS
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    Charter Oak Federal Credit Union
    Similarity Rank: 56
    ABNB Federal Credit Union
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    HOMEFIELD
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    SYNERGY HOME MORTGAGE, LLC
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 664 $195,790,000 $294,864 $6,014 6.60%
    VA 10 $3,720,000 $372,000 $9,702 5.45%

    For 2023, American Internet Mortgage's most frequently originated type of loan was Conventional, with 664 originations. Their 2nd most popular type was VA, with 10 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 465 $157,645,000 $339,022 $7,109 6.29%
    Cash Out Refi 153 $27,335,000 $178,660 $2,822 7.61%
    Home Improvement 30 $6,760,000 $225,333 $5,490 6.27%
    Refi 26 $7,770,000 $298,846 $6,044 6.10%

    For 2023, American Internet Mortgage's most frequently cited loan purpose was Home Purchase, with 465 originations. The 2nd most popular reason was Cash Out Refi, with 153 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 482 $158,740,000 $329,336 $7,069 6.41%
    15 Year 150 $27,600,000 $184,000 $3,616 7.17%
    20 Year 42 $13,170,000 $313,571 $5,455 6.40%

    For 2023, American Internet Mortgage's most frequently cited loan duration was 30 Year, with 482 originations. The 2nd most popular length was 15 Year, with 150 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 224 $66,840,000 $298,393
    $5k+ 120 $43,770,000 $364,750
    $1k-2k 50 $15,610,000 $312,200
    $2k-3k 28 $10,620,000 $379,286
    $3k-4k 18 $5,010,000 $278,333
    $4k-5k 16 $3,630,000 $226,875

    American Internet Mortgage's average total fees were $7,069, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 224 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 270 $90,920,000 $336,741
    5-6% 218 $66,530,000 $305,183
    7-8% 94 $27,860,000 $296,383
    Over 8% 64 $6,660,000 $104,063
    4-5% 28 $7,540,000 $269,286

    During 2023, American Internet Mortgage's average interest rate for loans was 6.41%, while their most frequently originated rate bucket for loans was 6-7%, with 270 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 287 $83,745,000 $291,794 $6,616 6.32%
    $100k-200k 148 $22,120,000 $149,459 $4,295 6.52%
    $400k-600k 117 $56,115,000 $479,615 $7,945 6.25%
    $100,000 or less 77 $5,265,000 $68,377 $1,096 8.24%
    $600k-1MM 42 $28,800,000 $685,714 $9,098 6.49%
    $1MM+ 3 $3,465,000 $1,155,000 $15,635 6.92%

    2023 saw American Internet Mortgage place emphasis on $200k-400k loans with 287 originations, totaling $83,745,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 234 $77,660,000 $331,880 $6,338 6.62%
    $100k-150k 180 $47,740,000 $265,222 $6,229 6.65%
    $250k+ 123 $46,075,000 $374,593 $6,675 6.71%
    $75k-100k 75 $16,855,000 $224,733 $5,723 6.34%
    $50k-75k 50 $9,260,000 $185,200 $4,782 6.33%
    $50k or less 12 $1,920,000 $160,000 $4,302 6.10%

    American Internet Mortgage lent most frequently to those with incomes in the $150k-250k range, with 234 originations. The second most popular income band? $100k-150k, with 180 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 142 $36,630,000 $257,958 $5,513 6.55%
    30-36% 129 $39,545,000 $306,550 $6,206 6.60%
    <20% 52 $13,670,000 $262,885 $5,669 6.32%
    49% 35 $12,765,000 $364,714 $6,105 6.48%
    41% 32 $9,490,000 $296,563 $5,546 6.99%
    36% 31 $9,785,000 $315,645 $6,804 6.32%
    42% 30 $7,810,000 $260,333 $5,354 6.82%
    38% 27 $8,655,000 $320,556 $5,077 7.28%
    40% 27 $7,355,000 $272,407 $4,576 6.63%
    43% 23 $8,115,000 $352,826 $6,331 6.42%
    37% 23 $5,685,000 $247,174 $2,891 7.48%
    46% 23 $7,275,000 $316,304 $8,375 6.09%
    39% 22 $6,070,000 $275,909 $7,169 6.61%
    48% 22 $7,610,000 $345,909 $9,006 6.26%
    44% 20 $6,740,000 $337,000 $8,611 6.33%
    45% 19 $5,965,000 $313,947 $7,589 6.39%
    47% 17 $6,345,000 $373,235 $8,724 6.48%

    American Internet Mortgage lent most frequently to those with DTI ratios of 20-30%, with 142 originations. The next most common DTI ratio? 30-36%, with 129 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 367 $106,895,000 $291,267 $6,157 6.57%
    Not provided 166 $54,270,000 $326,928 $6,174 6.63%
    Asian 85 $24,025,000 $282,647 $6,132 6.45%
    Black 25 $5,365,000 $214,600 $6,915 6.68%
    Asian Indian 13 $4,125,000 $317,308 $2,886 7.07%
    American Indian 6 $2,010,000 $335,000 $3,656 5.88%
    Other Asian 6 $1,800,000 $300,000 $6,641 7.06%
    Chinese 3 $585,000 $195,000 $0 6.00%
    Vietnamese 1 $185,000 $185,000 $0 7.13%
    Native Hawaiian or Islander 1 $125,000 $125,000 $2,877 5.75%
    Samoan 1 $125,000 $125,000 $827 10.55%

    Approval Rates

    Total approvals of all applications
    87.79%

    American Internet Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    48.96%

    American Internet Mortgage 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 674 $199,510,000 $296,009

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    674 $199,510,000 $296,009

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 71 $14,175,000 $199,648 $5,077 6.48%
    40-60% 115 $35,005,000 $304,391 $5,953 6.29%
    60-80% 322 $104,370,000 $324,130 $7,339 6.40%
    80-100% 104 $41,130,000 $395,481 $7,894 6.16%
    Under 20% 62 $4,830,000 $77,903 $1,093 8.92%