American Mortgage Service Company Rates, Fees & Info

CINCINNATI, OH

LEI: 549300FOZZQIQVHMVH05

Tax ID: 31-0868609

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 Mortgage Service Company is a smaller mortgage company specializing in Home Purchase loans. American Mortgage Service Company 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: Cincinnati, Columbus, Indianapolis, Louisville, and Lexington among others. We have data for 115 markets. (Some data included below & more in-depth data is available with an active subscription.)

    American Mortgage Service Company 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 Mortgage Service Company 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 6.76% 12/16/24
    30 Year Conventional Refi 6.67% 12/16/24
    30 Year Cash-out Refi 6.81% 12/16/24
    30 Year FHA Purchase 7.53% 12/16/24
    30 Year FHA Refi 7.08% 12/16/24
    30 Year VA Purchase 6.42% 12/16/24
    30 Year VA Refi 6.00% 12/16/24
    30 Year USDA Purchase 6.92% 12/16/24
    30 Year USDA Refi 6.27% 12/16/24
    15 Year Conventional Purchase 6.15% 12/16/24
    15 Year Conventional Refi 6.11% 12/16/24
    15 Year Cash-out Refi 6.11% 12/16/24
    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 Mortgage Service Company Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from American Mortgage Service Company. 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

    4,961

    Origination Dollar Volume (All Markets)

    $960,705,000
    Show all (16) awards

    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
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1,228 $230,050,000 $187,337 $4,178 4.24%
    COLUMBUS, OH (FHA|USDA|VA) 386 $100,610,000 $260,648 $6,496 4.10%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 416 $88,240,000 $212,115 $3,799 4.16%
    LOUISVILLE, KY (FHA|USDA|VA) 394 $81,090,000 $205,812 $3,874 4.30%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 324 $73,520,000 $226,914 $4,512 3.95%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 252 $48,640,000 $193,016 $5,276 4.33%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 126 $33,480,000 $265,714 $5,247 4.20%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 187 $31,745,000 $169,759 $4,228 4.18%
    KNOXVILLE, TN (FHA|USDA|VA) 115 $30,655,000 $266,565 $4,305 4.16%
    Outside of Metro Areas 196 $30,550,000 $155,867 $40,915 4.31%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 157 $29,455,000 $187,611 $4,129 3.98%
    BLOOMINGTON, IN (FHA|USDA|VA) 81 $18,215,000 $224,877 $3,599 3.98%
    FORT WAYNE, IN (FHA|USDA|VA) 92 $14,650,000 $159,239 $3,512 4.16%
    Bluffton, IN (FHA|USDA|VA) 102 $14,280,000 $140,000 $2,625 4.30%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 61 $9,135,000 $149,754 $4,456 4.35%
    Marion, IN (FHA|USDA|VA) 81 $8,955,000 $110,556 $2,860 4.29%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 40 $8,330,000 $208,250 $3,624 4.28%
    MUNCIE, IN (FHA|USDA|VA) 62 $7,660,000 $123,548 $3,104 4.12%
    MONTGOMERY, AL (FHA|USDA|VA) 39 $6,535,000 $167,564 $3,703 4.35%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 39 $5,725,000 $146,795 $4,627 4.16%
    Warsaw, IN (FHA|USDA|VA) 30 $5,490,000 $183,000 $3,150 4.05%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 16 $3,800,000 $237,500 $4,978 4.14%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 20 $3,660,000 $183,000 $3,774 4.35%
    Sevierville, TN (FHA|USDA|VA) 18 $3,650,000 $202,778 $5,409 4.49%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 25 $2,585,000 $103,400 $3,505 4.61%
    SPRINGFIELD, OH (FHA|USDA|VA) 25 $2,565,000 $102,600 $4,571 4.46%
    JOHNSON CITY, TN (FHA|USDA|VA) 13 $2,545,000 $195,769 $4,750 4.16%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 16 $2,520,000 $157,500 $4,159 3.97%
    PANAMA CITY, FL (FHA|USDA|VA) 10 $2,510,000 $251,000 $6,450 4.41%
    Richmond, IN (FHA|USDA|VA) 21 $2,285,000 $108,810 $3,724 4.55%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 13 $2,205,000 $169,615 $3,612 4.12%
    Decatur, IN (FHA|USDA|VA) 16 $2,000,000 $125,000 $3,390 4.42%
    Huntington, IN (FHA|USDA|VA) 15 $1,965,000 $131,000 $3,161 4.31%
    Bedford, IN (FHA|USDA|VA) 14 $1,960,000 $140,000 $3,847 4.46%
    TERRE HAUTE, IN (FHA|USDA|VA) 14 $1,860,000 $132,857 $3,247 4.04%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 12 $1,790,000 $149,167 $4,482 4.42%
    KOKOMO, IN (FHA|USDA|VA) 9 $1,785,000 $198,333 $5,148 4.51%
    Bardstown, KY (FHA|USDA|VA) 11 $1,765,000 $160,455 $4,499 4.00%
    Logansport, IN (FHA|USDA|VA) 16 $1,720,000 $107,500 $3,735 4.34%
    BOWLING GREEN, KY (FHA|USDA|VA) 10 $1,700,000 $170,000 $3,181 4.45%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 11 $1,685,000 $153,182 $4,023 4.38%
    Central City, KY (FHA|USDA|VA) 15 $1,535,000 $102,333 $4,307 4.75%
    Frankfort, IN (FHA|USDA|VA) 13 $1,495,000 $115,000 $2,807 4.34%
    Mount Sterling, KY (FHA|USDA|VA) 9 $1,315,000 $146,111 $5,054 4.07%
    Auburn, IN (FHA|USDA|VA) 11 $1,245,000 $113,182 $3,549 4.09%
    Crawfordsville, IN (FHA|USDA|VA) 8 $1,210,000 $151,250 $4,517 4.09%
    New Castle, IN (FHA|USDA|VA) 8 $1,130,000 $141,250 $5,196 4.50%
    Urbana, OH (FHA|USDA|VA) 4 $1,100,000 $275,000 $4,826 4.59%
    Frankfort, KY (FHA|USDA|VA) 7 $1,065,000 $152,143 $3,861 4.41%
    COLUMBUS, IN (FHA|USDA|VA) 2 $1,050,000 $525,000 $5,652 4.06%
    Richmond-Berea, KY (FHA|USDA|VA) 5 $1,035,000 $207,000 $4,759 3.98%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,015,000 $203,000 $4,169 4.05%
    Wabash, IN (FHA|USDA|VA) 10 $900,000 $90,000 $2,908 4.49%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $900,000 $225,000 $5,955 4.28%
    Cullman, AL (FHA|USDA|VA) 6 $900,000 $150,000 $3,810 3.94%
    MORRISTOWN, TN (FHA|USDA|VA) 7 $895,000 $127,857 $3,863 4.25%
    Sidney, OH (FHA|USDA|VA) 5 $865,000 $173,000 $4,923 4.28%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $845,000 $169,000 $4,845 4.28%
    OWENSBORO, KY (FHA|USDA|VA) 5 $835,000 $167,000 $4,571 4.08%
    Madisonville, KY (FHA|USDA|VA) 7 $805,000 $115,000 $4,525 4.52%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $805,000 $161,000 $4,449 3.78%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $800,000 $133,333 $2,868 4.42%
    Greenville, OH (FHA|USDA|VA) 5 $795,000 $159,000 $5,147 3.85%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $785,000 $261,667 $6,031 3.83%
    Wilmington, OH (FHA|USDA|VA) 5 $755,000 $151,000 $4,710 4.20%
    Angola, IN (FHA|USDA|VA) 5 $715,000 $143,000 $3,144 3.98%
    Mount Vernon, OH (FHA|USDA|VA) 4 $700,000 $175,000 $3,254 4.34%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $660,000 $165,000 $4,024 4.59%
    Somerset, KY (FHA|USDA|VA) 5 $605,000 $121,000 $4,061 4.40%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $520,000 $260,000 $3,664 3.69%
    Greensburg, IN (FHA|USDA|VA) 3 $515,000 $171,667 $4,792 3.88%
    Kendallville, IN (FHA|USDA|VA) 3 $445,000 $148,333 $5,291 4.79%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $400,000 $200,000 $2,975 4.19%
    AKRON, OH (FHA|USDA|VA) 2 $390,000 $195,000 $4,613 3.69%
    Peru, IN (FHA|USDA|VA) 5 $385,000 $77,000 $2,236 4.93%
    Wapakoneta, OH (FHA|USDA|VA) 3 $335,000 $111,667 $4,909 4.13%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $335,000 $111,667 $4,313 4.38%
    Jasper, IN (FHA|USDA|VA) 3 $325,000 $108,333 $2,606 4.04%
    Defiance, OH (FHA|USDA|VA) 1 $315,000 $315,000 $3,481 4.00%
    JACKSON, MS (FHA|USDA|VA) 1 $305,000 $305,000 $12,824 4.00%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $290,000 $145,000 $4,955 4.06%
    Connersville, IN (FHA|USDA|VA) 3 $265,000 $88,333 $3,898 4.29%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $260,000 $130,000 $4,145 4.44%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,315 3.25%
    Paducah, KY-IL (FHA|USDA|VA) 1 $255,000 $255,000 $3,091 4.13%
    Marion, OH (FHA|USDA|VA) 1 $245,000 $245,000 $9,545 3.63%
    MOBILE, AL (FHA|USDA|VA) 1 $245,000 $245,000 $225 4.13%
    MANSFIELD, OH (FHA|USDA|VA) 2 $240,000 $120,000 $3,576 4.56%
    DOTHAN, AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,656 4.13%
    LaGrange, GA-AL (FHA|USDA|VA) 1 $235,000 $235,000 $2,906 4.00%
    Troy, AL (FHA|USDA|VA) 1 $215,000 $215,000 $5,403 3.50%
    Murray, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,644 4.13%
    Washington, IN (FHA|USDA|VA) 3 $215,000 $71,667 $3,070 4.92%
    DECATUR, AL (FHA|USDA|VA) 1 $205,000 $205,000 $6,981 4.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,617 4.50%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,795 4.25%
    MONROE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,321 3.63%
    Sandusky, OH (FHA|USDA|VA) 1 $175,000 $175,000 $13,213 4.88%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,197 4.13%
    Plymouth, IN (FHA|USDA|VA) 1 $165,000 $165,000 $5,652 4.88%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $145,000 $145,000 $5,984 4.75%
    Newport, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,288 4.38%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.13%
    TOLEDO, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,179 3.50%
    Maysville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $4,953 3.50%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $135,000 $135,000 $5,163 3.75%
    BAY CITY, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,963 4.13%
    Campbellsville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $4,323 3.88%
    Madison, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,264 4.38%
    NILES, MI (FHA|USDA|VA) 1 $95,000 $95,000 $5,096 5.50%
    Zanesville, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,969 4.50%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,691 4.00%
    Brownsville, TN (FHA|USDA|VA) 1 $75,000 $75,000 $5,266 5.13%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,085 4.50%
    Washington Court House, OH (FHA|USDA|VA) 1 $55,000 $55,000 $3,839 4.75%
    American Mortgage Service Company's top markets include Cincinnati, Columbus, Indianapolis, Louisville, and Lexington among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

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

    Eglin Federal Credit Union
    Similarity Rank: 9
    PrimeTrust Financial Federal Credit Union
    Similarity Rank: 30
    US COMMUNITY
    Similarity Rank: 64
    BALL STATE FEDERAL CREDIT UNION
    Similarity Rank: 75
    FORUM Credit Union
    Similarity Rank: 120
    Industrial Federal Credit Union
    Similarity Rank: 138
    ENRICHMENT
    Similarity Rank: 176
    Security Federal Savings Bank
    Similarity Rank: 180
    Gulf Winds Credit Union
    Similarity Rank: 225
    MORTGAGE ONE OF THE SOUTH, INC.
    Similarity Rank: 268

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,590 $530,840,000 $204,958 $6,025 4.26%
    FHA 1,386 $234,670,000 $169,315 $6,259 4.24%
    VA 638 $148,400,000 $232,602 $4,608 3.91%
    USDA 347 $46,795,000 $134,856 $4,142 4.16%

    For 2019, American Mortgage Service Company's most frequently originated type of loan was Conventional, with 2,590 originations. Their 2nd most popular type was FHA, with 1,386 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,122 $780,990,000 $189,469 $6,241 4.25%
    Refi 510 $119,150,000 $233,627 $3,342 3.83%
    Cash Out Refi 325 $59,765,000 $183,892 $3,938 4.22%
    Home Improvement 4 $800,000 $200,000 $4,487 4.00%

    For 2019, American Mortgage Service Company's most frequently cited loan purpose was Home Purchase, with 4,122 originations. The 2nd most popular reason was Refi, with 510 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,636 $901,640,000 $194,487 $5,956 4.23%
    15 Year 222 $41,270,000 $185,901 $3,043 3.71%
    20 Year 60 $10,560,000 $176,000 $2,954 4.21%
    10 Year 24 $3,440,000 $143,333 $2,786 3.60%
    Other 19 $3,795,000 $199,737 $3,332 3.92%

    For 2019, American Mortgage Service Company's most frequently cited loan duration was 30 Year, with 4,636 originations. The 2nd most popular length was 15 Year, with 222 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,220 $596,980,000 $185,398
    $<1k 1,209 $254,935,000 $210,864
    $2k-3k 285 $49,595,000 $174,018
    $3k-4k 122 $25,070,000 $205,492
    $4k-5k 63 $15,995,000 $253,889
    $5k+ 62 $18,130,000 $292,419

    American Mortgage Service Company's average total fees were $5,956, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,220 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,287 $492,105,000 $215,175
    4-5% 2,237 $403,715,000 $180,472
    5-6% 409 $58,975,000 $144,193
    2.5-3% 19 $4,805,000 $252,895
    6-7% 9 $1,105,000 $122,778

    During 2019, American Mortgage Service Company's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 3-4%, with 2,287 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,283 $341,745,000 $149,691 $7,212 4.25%
    $200k-400k 1,825 $493,475,000 $270,397 $5,042 4.04%
    $100,000 or less 706 $54,930,000 $77,805 $3,098 4.54%
    $400k-600k 133 $60,095,000 $451,842 $5,708 4.01%
    $600k-1MM 14 $10,460,000 $747,143 $4,639 4.13%

    2019 saw American Mortgage Service Company place emphasis on $100k-200k loans with 2,283 originations, totaling $341,745,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,483 $258,555,000 $174,346 $9,395 4.23%
    $50k or less 1,417 $181,885,000 $128,359 $3,777 4.30%
    $100k-150k 851 $214,195,000 $251,698 $4,597 4.13%
    $75k-100k 808 $177,660,000 $219,876 $4,666 4.15%
    $150k-250k 317 $96,065,000 $303,044 $4,379 4.10%
    $250k+ 61 $26,365,000 $432,213 $3,999 4.05%

    American Mortgage Service Company lent most frequently to those with incomes in the $50k-75k range, with 1,483 originations. The second most popular income band? $50k or less, with 1,417 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 973 $185,255,000 $190,396 $3,767 4.16%
    30-36% 957 $180,985,000 $189,117 $4,192 4.20%
    50-60% 292 $62,460,000 $213,904 $6,320 3.94%
    <20% 252 $44,820,000 $177,857 $3,232 4.15%
    40% 207 $38,945,000 $188,140 $4,047 4.32%
    39% 206 $34,800,000 $168,932 $4,426 4.38%
    41% 205 $38,755,000 $189,049 $4,195 4.27%
    43% 200 $39,460,000 $197,300 $4,649 4.23%
    42% 195 $38,285,000 $196,333 $4,635 4.34%
    37% 192 $36,300,000 $189,063 $4,306 4.29%
    44% 176 $34,440,000 $195,682 $4,182 4.35%
    36% 166 $32,560,000 $196,145 $4,347 4.24%
    38% 154 $31,480,000 $204,416 $51,683 4.26%
    45% 149 $28,925,000 $194,128 $4,719 4.21%
    46% 149 $29,845,000 $200,302 $4,821 4.28%
    49% 142 $30,120,000 $212,113 $4,781 4.26%
    47% 131 $25,735,000 $196,450 $4,561 4.24%
    48% 119 $23,015,000 $193,403 $4,757 4.30%
    >60% 33 $8,515,000 $258,030 $4,699 3.88%

    American Mortgage Service Company lent most frequently to those with DTI ratios of 20-30%, with 973 originations. The next most common DTI ratio? 30-36%, with 957 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,876 $739,540,000 $190,800 $6,026 4.22%
    Not provided 681 $139,065,000 $204,207 $4,486 4.12%
    Black 294 $60,200,000 $204,762 $5,528 4.20%
    Asian 79 $15,675,000 $198,418 $4,018 4.13%
    Not applicable 17 $3,145,000 $185,000 $3,740 4.18%
    Other Asian 4 $760,000 $190,000 $5,517 4.44%
    Native Hawaiian or Islander 3 $735,000 $245,000 $3,963 4.33%
    Chinese 1 $425,000 $425,000 $3,608 3.88%
    Asian Indian 2 $380,000 $190,000 $6,288 4.38%
    Vietnamese 1 $355,000 $355,000 $6,348 3.88%
    American Indian 2 $290,000 $145,000 $3,846 4.13%
    Other Pacific Islander 1 $135,000 $135,000 $2,882 4.63%

    Approval Rates

    Total approvals of all applications
    94.00%

    American Mortgage Service Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.14%

    American Mortgage Service Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,961 $960,705,000 $193,651

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $365,000 $365,000
    Single Family (1-4 Units):Manufactured 68 $7,570,000 $111,324
    Single Family (1-4 Units):Site-Built 4,892 $952,770,000 $194,761

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 58 $6,880,000 $118,621 $115,631 3.97%
    40-60% 148 $25,880,000 $174,865 $2,968 3.96%
    60-80% 919 $184,635,000 $200,909 $3,174 4.17%
    80-100% 3,665 $701,845,000 $191,499 $4,511 4.24%
    Over 100% 163 $41,135,000 $252,362 $8,414 3.94%
    Under 20% 8 $330,000 $41,250 $2,561 4.11%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    American Mortgage Service Company FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    American Mortgage Service Company FHA mortgage Closing on a mortgage 1 33.3%
    American Mortgage Service Company Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%