Amcap Mortgage Ltd. Rates, Fees & Info

HOUSTON, TX

LEI: 549300ONBM4MGXXBTA44

Tax ID: 32-0016270

1 stars - out of 5 stars, based on 104 reviews

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

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Mortgage Data

Review & Overview

Amcap Mortgage Ltd. is a mid-sized mortgage company specializing in Home Purchase loans. Amcap Mortgage Ltd. has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Houston, San Antonio, Dallas, Austin, and Miami among others. We have data for 290 markets. (Some data included below & more in-depth data is available with an active subscription.)

Amcap Mortgage Ltd. 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. Amcap Mortgage Ltd. is typically a high 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 6.87% 6/4/23
30 Year Conventional Refi 6.63% 6/4/23
30 Year Cash-out Refi 7.01% 6/4/23
30 Year FHA Purchase 7.73% 6/4/23
30 Year FHA Refi 7.47% 6/4/23
30 Year VA Purchase 6.52% 6/4/23
30 Year VA Refi 6.15% 6/4/23
30 Year USDA Purchase 7.04% 6/4/23
30 Year USDA Refi 7.06% 6/4/23
15 Year Conventional Purchase 6.43% 6/4/23
15 Year Conventional Refi 6.32% 6/4/23
15 Year Cash-out Refi 6.32% 6/4/23
15 Year FHA Purchase 7.85% 6/4/23
15 Year FHA Refi 7.56% 6/4/23
15 Year VA Purchase 5.68% 6/4/23
15 Year VA Refi 6.27% 6/4/23
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.

Amcap Mortgage Ltd. Mortgage Calculator






Your Estimates

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

This is not an official calculator from Amcap Mortgage Ltd.. 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

10,862

Origination Dollar Volume (All Markets)

$3,160,200,000
Show all (21) awards

Relative Rate

Amcap Mortgage Ltd.'s average 30 year fixed mortgage rate was 5.13%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.37%.

Relative Fees (Closing Costs)

Amcap Mortgage Ltd.'s average total fees/closing costs for a 30 year fixed rate mortgage were $9,948.

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
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2,164 $658,410,000 $304,256 $9,583 5.04%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1,465 $447,115,000 $305,198 $10,719 5.15%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,236 $414,230,000 $335,138 $10,489 5.14%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 422 $168,580,000 $399,479 $9,484 4.46%
Outside of Metro Areas 602 $145,880,000 $242,326 $8,740 5.09%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 302 $118,280,000 $391,656 $15,381 5.21%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 357 $76,415,000 $214,048 $10,401 5.09%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 122 $63,450,000 $520,082 $14,514 4.85%
AMARILLO, TX (FHA|USDA|VA) 264 $58,460,000 $221,439 $10,174 5.32%
GRAND JUNCTION, CO (FHA|USDA|VA) 167 $50,025,000 $299,551 $7,503 4.87%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 89 $40,565,000 $455,787 $10,001 5.37%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 80 $36,510,000 $456,375 $14,303 4.90%
FARMINGTON, NM (FHA|USDA|VA) 201 $35,555,000 $176,891 $6,238 5.43%
BOISE CITY, ID (FHA|USDA|VA) 107 $33,865,000 $316,495 $9,962 5.38%
ODESSA, TX (FHA|USDA|VA) 146 $33,840,000 $231,781 $11,628 5.56%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 154 $32,570,000 $211,494 $8,296 5.07%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 119 $28,675,000 $240,966 $6,470 4.64%
Cookeville, TN (FHA|USDA|VA) 111 $25,295,000 $227,883 $5,813 5.10%
OKLAHOMA CITY, OK (FHA|USDA|VA) 113 $25,215,000 $223,142 $7,805 5.09%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 55 $23,635,000 $429,727 $12,573 5.19%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 86 $22,360,000 $260,000 $9,738 5.11%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 61 $21,855,000 $358,279 $9,380 5.11%
Lufkin, TX (FHA|USDA|VA) 100 $21,450,000 $214,500 $7,604 5.13%
BATON ROUGE, LA (FHA|USDA|VA) 90 $19,610,000 $217,889 $8,795 5.06%
Roswell, NM (FHA|USDA|VA) 128 $18,940,000 $147,969 $5,895 5.38%
JACKSONVILLE, FL (FHA|USDA|VA) 42 $17,700,000 $421,429 $11,091 5.30%
MIDLAND, TX (FHA|USDA|VA) 68 $17,540,000 $257,941 $11,332 5.40%
CORPUS CHRISTI, TX (FHA|USDA|VA) 59 $15,985,000 $270,932 $10,831 5.13%
TUCSON, AZ (FHA|USDA|VA) 68 $15,950,000 $234,559 $8,974 4.87%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 71 $15,305,000 $215,563 $9,984 5.02%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 71 $14,635,000 $206,127 $6,434 5.22%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 21 $12,525,000 $596,429 $21,259 4.73%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 27 $10,785,000 $399,444 $9,772 4.50%
Hereford, TX (FHA|USDA|VA) 56 $10,520,000 $187,857 $11,454 4.92%
Williston, ND (FHA|USDA|VA) 37 $10,015,000 $270,676 $8,413 4.93%
LAS CRUCES, NM (FHA|USDA|VA) 53 $10,005,000 $188,774 $6,629 5.19%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 31 $9,935,000 $320,484 $8,822 4.59%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 28 $9,130,000 $326,071 $13,381 5.03%
SHERMAN-DENISON, TX (FHA|USDA|VA) 34 $9,100,000 $267,647 $9,391 4.94%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 31 $8,985,000 $289,839 $9,736 5.26%
Carlsbad-Artesia, NM (FHA|USDA|VA) 41 $8,835,000 $215,488 $7,363 5.58%
KNOXVILLE, TN (FHA|USDA|VA) 41 $8,235,000 $200,854 $5,996 4.62%
Huntsville, TX (FHA|USDA|VA) 28 $7,790,000 $278,214 $8,210 5.36%
PITTSBURGH, PA (FHA|USDA|VA) 35 $7,665,000 $219,000 $9,956 5.52%
ALBUQUERQUE, NM (FHA|USDA|VA) 33 $7,245,000 $219,545 $8,941 4.65%
LONGVIEW, TX (FHA|USDA|VA) 39 $7,025,000 $180,128 $7,553 5.26%
Bedford, IN (FHA|USDA|VA) 40 $6,950,000 $173,750 $6,047 5.54%
TULSA, OK (FHA|USDA|VA) 34 $6,750,000 $198,529 $8,254 5.25%
EL PASO, TX (FHA|USDA|VA) 28 $6,730,000 $240,357 $8,925 5.25%
Granbury, TX (FHA|USDA|VA) 22 $6,430,000 $292,273 $11,821 5.25%
WACO, TX (FHA|USDA|VA) 28 $6,380,000 $227,857 $9,630 5.29%
Athens, TX (FHA|USDA|VA) 21 $6,165,000 $293,571 $10,068 5.15%
Andrews, TX (FHA|USDA|VA) 24 $5,620,000 $234,167 $11,334 5.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 16 $5,350,000 $334,375 $7,760 4.36%
Corsicana, TX (FHA|USDA|VA) 22 $5,300,000 $240,909 $10,118 4.90%
LUBBOCK, TX (FHA|USDA|VA) 21 $5,185,000 $246,905 $11,548 4.96%
Craig, CO (FHA|USDA|VA) 23 $5,125,000 $222,826 $7,363 4.85%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 21 $4,985,000 $237,381 $10,633 5.10%
El Campo, TX (FHA|USDA|VA) 17 $4,865,000 $286,176 $9,223 4.96%
GREELEY, CO (FHA|USDA|VA) 11 $4,675,000 $425,000 $11,675 5.23%
ALEXANDRIA, LA (FHA|USDA|VA) 23 $4,645,000 $201,957 $8,361 4.36%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 14 $4,620,000 $330,000 $9,390 5.29%
Stillwater, OK (FHA|USDA|VA) 27 $4,585,000 $169,815 $6,642 5.07%
VICTORIA, TX (FHA|USDA|VA) 18 $4,470,000 $248,333 $10,436 5.32%
Kerrville, TX (FHA|USDA|VA) 13 $4,435,000 $341,154 $8,138 4.64%
TYLER, TX (FHA|USDA|VA) 15 $4,315,000 $287,667 $9,611 5.48%
BAKERSFIELD, CA (FHA|USDA|VA) 14 $4,040,000 $288,571 $12,342 5.39%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 10 $3,990,000 $399,000 $5,295 4.96%
SALINAS, CA (FHA|USDA|VA) 8 $3,950,000 $493,750 $13,758 5.31%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 25 $3,805,000 $152,200 $7,104 4.85%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $3,750,000 $267,857 $10,320 5.39%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $3,615,000 $328,636 $9,292 4.63%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $3,595,000 $399,444 $14,880 4.67%
Helena, MT (FHA|USDA|VA) 9 $3,575,000 $397,222 $13,770 5.79%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 14 $3,570,000 $255,000 $9,064 4.99%
Fredericksburg, TX (FHA|USDA|VA) 9 $3,415,000 $379,444 $8,781 5.36%
Key West, FL (FHA|USDA|VA) 6 $3,090,000 $515,000 $15,010 5.06%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $2,990,000 $498,333 $18,175 4.27%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 15 $2,985,000 $199,000 $6,898 4.40%
SAN ANGELO, TX (FHA|USDA|VA) 11 $2,795,000 $254,091 $10,918 4.67%
LINCOLN, NE (FHA|USDA|VA) 14 $2,720,000 $194,286 $6,002 3.94%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $2,545,000 $509,000 $14,769 5.23%
CANTON-MASSILLON, OH (FHA|USDA|VA) 15 $2,535,000 $169,000 $6,087 5.29%
Port Lavaca, TX (FHA|USDA|VA) 7 $2,525,000 $360,714 $9,172 4.68%
Montrose, CO (FHA|USDA|VA) 7 $2,515,000 $359,286 $6,414 4.77%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 12 $2,510,000 $209,167 $6,915 5.27%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $2,305,000 $329,286 $7,847 5.23%
STOCKTON, CA (FHA|USDA|VA) 7 $2,305,000 $329,286 $15,781 3.91%
HAMMOND, LA (FHA|USDA|VA) 8 $2,200,000 $275,000 $8,811 4.75%
Alice, TX (FHA|USDA|VA) 12 $2,190,000 $182,500 $9,648 4.99%
WICHITA FALLS, TX (FHA|USDA|VA) 7 $2,175,000 $310,714 $8,340 5.13%
Eagle Pass, TX (FHA|USDA|VA) 11 $2,105,000 $191,364 $8,956 5.33%
Crossville, TN (FHA|USDA|VA) 8 $2,090,000 $261,250 $4,028 5.36%
Bay City, TX (FHA|USDA|VA) 7 $2,035,000 $290,714 $10,030 5.34%
Sevierville, TN (FHA|USDA|VA) 8 $2,010,000 $251,250 $7,773 4.14%
Rockport, TX (FHA|USDA|VA) 7 $1,995,000 $285,000 $11,333 5.68%
VALLEJO, CA (FHA|USDA|VA) 4 $1,950,000 $487,500 $7,861 6.19%
Mineral Wells, TX (FHA|USDA|VA) 7 $1,945,000 $277,857 $11,503 5.59%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $1,910,000 $318,333 $10,793 5.15%
Pampa, TX (FHA|USDA|VA) 14 $1,910,000 $136,429 $7,936 5.39%
SALEM, OR (FHA|USDA|VA) 5 $1,895,000 $379,000 $11,788 4.67%
BLOOMINGTON, IN (FHA|USDA|VA) 9 $1,865,000 $207,222 $7,284 5.41%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,855,000 $371,000 $5,551 3.88%
Brenham, TX (FHA|USDA|VA) 6 $1,850,000 $308,333 $7,850 4.94%
Bonham, TX (FHA|USDA|VA) 7 $1,815,000 $259,286 $11,891 4.88%
BURLINGTON, NC (FHA|USDA|VA) 9 $1,725,000 $191,667 $6,252 5.04%
LAFAYETTE, LA (FHA|USDA|VA) 8 $1,710,000 $213,750 $8,237 5.23%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,550,000 $258,333 $11,327 5.19%
ABILENE, TX (FHA|USDA|VA) 6 $1,520,000 $253,333 $12,571 4.73%
Ruidoso, NM (FHA|USDA|VA) 8 $1,520,000 $190,000 $4,151 4.86%
Shelton, WA (FHA|USDA|VA) 4 $1,460,000 $365,000 $15,433 4.94%
Gainesville, TX (FHA|USDA|VA) 5 $1,435,000 $287,000 $7,329 4.48%
Nacogdoches, TX (FHA|USDA|VA) 6 $1,400,000 $233,333 $7,766 5.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,390,000 $347,500 $0 5.47%
CEDAR RAPIDS, IA (FHA|USDA|VA) 4 $1,360,000 $340,000 $13,804 4.84%
Stephenville, TX (FHA|USDA|VA) 5 $1,245,000 $249,000 $7,104 5.27%
LAREDO, TX (FHA|USDA|VA) 6 $1,210,000 $201,667 $10,380 4.77%
OCALA, FL (FHA|USDA|VA) 5 $1,205,000 $241,000 $11,702 5.55%
Ardmore, OK (FHA|USDA|VA) 6 $1,200,000 $200,000 $12,021 5.33%
Glenwood Springs, CO (FHA|USDA|VA) 4 $1,190,000 $297,500 $5,444 4.72%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 7 $1,175,000 $167,857 $7,792 4.41%
Mountain Home, ID (FHA|USDA|VA) 5 $1,155,000 $231,000 $8,803 5.32%
Sulphur Springs, TX (FHA|USDA|VA) 3 $1,055,000 $351,667 $8,174 5.21%
TWIN FALLS, ID (FHA|USDA|VA) 4 $1,040,000 $260,000 $8,396 5.94%
Dumas, TX (FHA|USDA|VA) 6 $1,020,000 $170,000 $9,251 5.06%
TEXARKANA, TX-AR (FHA|USDA|VA) 6 $1,010,000 $168,333 $11,564 5.15%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $995,000 $331,667 $14,790 4.96%
MADERA, CA (FHA|USDA|VA) 3 $975,000 $325,000 $11,702 4.88%
Beeville, TX (FHA|USDA|VA) 4 $950,000 $237,500 $8,561 5.69%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $930,000 $232,500 $7,831 4.56%
MORRISTOWN, TN (FHA|USDA|VA) 2 $920,000 $460,000 $7,337 4.68%
CASPER, WY (FHA|USDA|VA) 2 $900,000 $450,000 $4,694 4.75%
Rio Grande City-Roma, TX (FHA|USDA|VA) 5 $895,000 $179,000 $10,267 4.78%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $880,000 $220,000 $5,438 5.90%
FAIRBANKS, AK (FHA|USDA|VA) 3 $875,000 $291,667 $12,351 4.50%
AKRON, OH (FHA|USDA|VA) 5 $865,000 $173,000 $7,793 5.60%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $855,000 $285,000 $7,248 5.04%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $845,000 $281,667 $14,456 6.66%
ANCHORAGE, AK (FHA|USDA|VA) 3 $845,000 $281,667 $9,193 4.79%
Pearsall, TX (FHA|USDA|VA) 3 $835,000 $278,333 $10,070 4.54%
Paris, TX (FHA|USDA|VA) 4 $820,000 $205,000 $9,294 5.63%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $815,000 $815,000 $30,247 4.63%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $810,000 $202,500 $7,285 4.78%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $800,000 $400,000 $17,161 5.37%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $795,000 $265,000 $7,243 5.17%
Durango, CO (FHA|USDA|VA) 3 $795,000 $265,000 $5,593 3.66%
Hobbs, NM (FHA|USDA|VA) 6 $790,000 $131,667 $6,038 5.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $780,000 $390,000 $5,083 6.00%
FORT WAYNE, IN (FHA|USDA|VA) 4 $780,000 $195,000 $8,403 5.91%
Palestine, TX (FHA|USDA|VA) 4 $770,000 $192,500 $7,738 5.47%
SANTA FE, NM (FHA|USDA|VA) 2 $770,000 $385,000 $7,340 4.18%
Kingsville, TX (FHA|USDA|VA) 4 $760,000 $190,000 $9,815 4.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $750,000 $375,000 $7,014 4.74%
Borger, TX (FHA|USDA|VA) 6 $690,000 $115,000 $6,387 5.06%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $685,000 $228,333 $17,728 4.79%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $670,000 $335,000 $9,059 3.13%
BISMARCK, ND (FHA|USDA|VA) 3 $665,000 $221,667 $6,580 5.79%
YUBA CITY, CA (FHA|USDA|VA) 4 $660,000 $165,000 $5,847 2.44%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 4 $650,000 $162,500 $8,741 4.59%
Norfolk, NE (FHA|USDA|VA) 1 $605,000 $605,000 $11,658 7.13%
McMinnville, TN (FHA|USDA|VA) 3 $605,000 $201,667 $7,908 4.75%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $600,000 $300,000 $8,315 4.88%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $595,000 $198,333 $6,334 4.50%
Aberdeen, WA (FHA|USDA|VA) 3 $585,000 $195,000 $4,546 3.42%
Alamogordo, NM (FHA|USDA|VA) 4 $580,000 $145,000 $12,979 4.72%
Carroll, IA (FHA|USDA|VA) 2 $570,000 $285,000 $7,143 5.19%
Uvalde, TX (FHA|USDA|VA) 2 $560,000 $280,000 $10,183 4.69%
Palatka, FL (FHA|USDA|VA) 2 $560,000 $280,000 $9,633 4.38%
Los Alamos, NM (FHA|USDA|VA) 1 $555,000 $555,000 $18,362 5.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $545,000 $545,000 $4,587 3.38%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $540,000 $270,000 $7,464 6.31%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $540,000 $270,000 $9,088 6.06%
HOT SPRINGS, AR (FHA|USDA|VA) 3 $535,000 $178,333 $6,136 5.96%
WICHITA, KS (FHA|USDA|VA) 2 $530,000 $265,000 $3,823 5.75%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $520,000 $260,000 $10,810 5.94%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $510,000 $255,000 $8,283 5.94%
Port Angeles, WA (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.50%
Nogales, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $8,753 5.06%
Cañon City, CO (FHA|USDA|VA) 2 $500,000 $250,000 $10,400 4.81%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $485,000 $485,000 $4,362 3.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $480,000 $240,000 $3,918 6.37%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $480,000 $240,000 $12,283 5.88%
Richmond-Berea, KY (FHA|USDA|VA) 1 $475,000 $475,000 $23,056 3.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $9,890 4.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $465,000 $465,000 $13,732 6.13%
GAINESVILLE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $6,200 5.38%
Fort Morgan, CO (FHA|USDA|VA) 2 $460,000 $230,000 $9,070 5.38%
Concord, NH (FHA|USDA|VA) 1 $445,000 $445,000 $2,607 5.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $445,000 $445,000 $3,837 4.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $445,000 $445,000 $13,437 4.88%
CORVALLIS, OR (FHA|USDA|VA) 1 $435,000 $435,000 $15,621 6.63%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $425,000 $425,000 $15,423 6.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $405,000 $405,000 $24,749 5.63%
Okeechobee, FL (FHA|USDA|VA) 2 $380,000 $190,000 $8,443 4.94%
Jacksonville, TX (FHA|USDA|VA) 2 $370,000 $185,000 $9,690 5.88%
Lawrenceburg, TN (FHA|USDA|VA) 2 $360,000 $180,000 $8,774 3.94%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $355,000 $355,000 $6,951 3.99%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $355,000 $355,000 $7,598 3.38%
HATTIESBURG, MS (FHA|USDA|VA) 1 $355,000 $355,000 $5,495 3.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $345,000 $345,000 $6,581 6.13%
COLUMBUS, OH (FHA|USDA|VA) 1 $345,000 $345,000 $10,775 4.63%
GREAT FALLS, MT (FHA|USDA|VA) 1 $345,000 $345,000 $6,989 5.38%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $340,000 $170,000 $4,599 4.81%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $335,000 $111,667 $5,351 4.96%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $335,000 $335,000 $10,113 3.25%
LOUISVILLE, KY (FHA|USDA|VA) 2 $330,000 $165,000 $7,133 5.75%
JONESBORO, AR (FHA|USDA|VA) 3 $325,000 $108,333 $5,747 4.63%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $5,665 4.38%
Dyersburg, TN (FHA|USDA|VA) 1 $315,000 $315,000 $3,368 6.13%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $315,000 $315,000 $4,174 5.38%
Woodward, OK (FHA|USDA|VA) 1 $305,000 $305,000 $9,918 6.13%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $305,000 $305,000 $6,804 4.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $305,000 $305,000 $4,826 3.50%
LONGVIEW, WA (FHA|USDA|VA) 1 $305,000 $305,000 $8,314 6.63%
Salem, OH (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.49%
Lamesa, TX (FHA|USDA|VA) 2 $300,000 $150,000 $9,596 4.81%
Pecos, TX (FHA|USDA|VA) 1 $295,000 $295,000 $19,534 5.13%
Bartlesville, OK (FHA|USDA|VA) 2 $290,000 $145,000 $4,495 6.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $290,000 $145,000 $5,416 6.37%
MERCED, CA (FHA|USDA|VA) 1 $285,000 $285,000 $9,586 5.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $285,000 $285,000 $7,743 6.38%
Oxford, MS (FHA|USDA|VA) 1 $285,000 $285,000 $6,630 6.13%
VISALIA, CA (FHA|USDA|VA) 1 $285,000 $285,000 $15,865 4.38%
FLINT, MI (FHA|USDA|VA) 1 $275,000 $275,000 $13,810 4.38%
Centralia, WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,399 5.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $275,000 $275,000 $9,577 4.38%
JACKSON, MS (FHA|USDA|VA) 1 $275,000 $275,000 $0 5.63%
PANAMA CITY, FL (FHA|USDA|VA) 1 $275,000 $275,000 $7,775 7.49%
Taos, NM (FHA|USDA|VA) 1 $265,000 $265,000 $6,099 5.63%
Boone, NC (FHA|USDA|VA) 1 $265,000 $265,000 $4,599 3.99%
COLUMBIA, SC (FHA|USDA|VA) 1 $265,000 $265,000 $15,312 5.75%
FORT COLLINS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $16,787 5.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,793 4.99%
Lake City, FL (FHA|USDA|VA) 1 $245,000 $245,000 $9,172 7.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $11,564 6.13%
Sanford, NC (FHA|USDA|VA) 1 $245,000 $245,000 $8,802 3.25%
MEDFORD, OR (FHA|USDA|VA) 1 $245,000 $245,000 $4,312 5.88%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $245,000 $245,000 $13,049 3.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $245,000 $245,000 $5,486 5.75%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $240,000 $120,000 $4,783 7.00%
Ponca City, OK (FHA|USDA|VA) 2 $230,000 $115,000 $4,811 6.50%
Athens, TN (FHA|USDA|VA) 1 $225,000 $225,000 $4,363 4.75%
Payson, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $4,628 2.88%
PUEBLO, CO (FHA|USDA|VA) 1 $225,000 $225,000 $9,088 5.88%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.50%
Wooster, OH (FHA|USDA|VA) 1 $225,000 $225,000 $13,966 3.50%
Middlesborough, KY (FHA|USDA|VA) 2 $220,000 $110,000 $6,584 4.69%
DeRidder, LA (FHA|USDA|VA) 1 $215,000 $215,000 $7,841 5.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $210,000 $105,000 $8,352 4.13%
GRAND ISLAND, NE (FHA|USDA|VA) 2 $210,000 $105,000 $3,169 3.44%
ASHEVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $7,612 6.00%
FRESNO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,868 4.00%
Susanville, CA (FHA|USDA|VA) 1 $205,000 $205,000 $7,784 3.88%
Sweetwater, TX (FHA|USDA|VA) 1 $205,000 $205,000 $8,771 5.75%
JACKSON, MI (FHA|USDA|VA) 1 $205,000 $205,000 $9,634 6.13%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,835 7.13%
Ontario, OR-ID (FHA|USDA|VA) 1 $195,000 $195,000 $4,275 6.50%
WENATCHEE, WA (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.50%
Bogalusa, LA (FHA|USDA|VA) 1 $185,000 $185,000 $5,403 3.25%
Duncan, OK (FHA|USDA|VA) 1 $175,000 $175,000 $6,371 4.25%
Sterling, CO (FHA|USDA|VA) 1 $175,000 $175,000 $10,311 4.13%
Columbus, NE (FHA|USDA|VA) 1 $175,000 $175,000 $6,087 4.63%
Minot, ND (FHA|USDA|VA) 1 $175,000 $175,000 $6,059 6.13%
Jasper, IN (FHA|USDA|VA) 1 $165,000 $165,000 $5,770 5.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,270 4.25%
JACKSON, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.13%
TOLEDO, OH (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.56%
IOWA CITY, IA (FHA|USDA|VA) 1 $155,000 $155,000 $3,705 5.63%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $155,000 $155,000 $4,188 4.38%
Elk City, OK (FHA|USDA|VA) 1 $155,000 $155,000 $7,574 5.88%
Brownwood, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,892 5.13%
Plainview, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,999 6.63%
Searcy, AR (FHA|USDA|VA) 1 $145,000 $145,000 $5,875 4.50%
Campbellsville, KY (FHA|USDA|VA) 1 $145,000 $145,000 $6,691 4.99%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $145,000 $145,000 $7,429 5.13%
Marion, OH (FHA|USDA|VA) 1 $145,000 $145,000 $8,546 5.25%
Clewiston, FL (FHA|USDA|VA) 1 $145,000 $145,000 $10,930 5.50%
Durant, OK (FHA|USDA|VA) 1 $125,000 $125,000 $4,301 6.13%
Deming, NM (FHA|USDA|VA) 2 $120,000 $60,000 $6,199 2.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.13%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $5,545 4.88%
Clovis, NM (FHA|USDA|VA) 1 $105,000 $105,000 $4,372 5.63%
Magnolia, AR (FHA|USDA|VA) 1 $105,000 $105,000 $5,614 3.25%
McAlester, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.38%
Dickinson, ND (FHA|USDA|VA) 1 $105,000 $105,000 $4,872 4.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.88%
Camden, AR (FHA|USDA|VA) 1 $95,000 $95,000 $2,900 6.13%
Seymour, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,918 4.63%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $65,000 $65,000 $4,037 5.75%
Russellville, AR (FHA|USDA|VA) 1 $45,000 $45,000 $4,131 6.13%
Amcap Mortgage Ltd.'s top markets include Houston, San Antonio, Dallas, Austin, and Miami among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
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    We use machine learning to identify the top lenders compared against AMCAP MORTGAGE LTD. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,938 $1,780,350,000 $299,823 $7,646 5.03%
    FHA 3,714 $975,820,000 $262,741 $12,419 5.22%
    VA 1,035 $370,815,000 $358,275 $12,291 4.99%
    USDA 156 $30,130,000 $193,141 $7,940 4.78%
    FHA 19 $3,085,000 $162,368 $0 2.56%

    For 2022, Amcap Mortgage Ltd.'s most frequently originated type of loan was Conventional, with 5,938 originations. Their 2nd most popular type was FHA, with 3,714 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 9,352 $2,730,850,000 $292,007 $10,022 5.15%
    Cash Out Refi 772 $207,450,000 $268,718 $7,793 4.64%
    Refi 738 $221,900,000 $300,678 $8,421 4.70%

    For 2022, Amcap Mortgage Ltd.'s most frequently cited loan purpose was Home Purchase, with 9,352 originations. The 2nd most popular reason was Cash Out Refi, with 772 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10,349 $3,053,385,000 $295,042 $9,948 5.13%
    15 Year 339 $76,975,000 $227,065 $5,926 4.09%
    20 Year 72 $16,990,000 $235,972 $6,964 4.42%
    Other 58 $10,360,000 $178,621 $9,679 4.65%
    10 Year 44 $2,490,000 $56,591 $1,807 3.89%

    For 2022, Amcap Mortgage Ltd.'s most frequently cited loan duration was 30 Year, with 10,349 originations. The 2nd most popular length was 15 Year, with 339 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 3,514 $1,269,570,000 $361,289
    $1k-2k 2,602 $752,380,000 $289,154
    $3k-4k 1,312 $321,760,000 $245,244
    $2k-3k 1,299 $310,095,000 $238,718
    $4k-5k 1,179 $320,065,000 $271,472
    $<1k 445 $76,045,000 $170,888

    Amcap Mortgage Ltd.'s average total fees were $9,948, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,514 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 3,831 $1,123,555,000 $293,280
    4-5% 2,733 $806,075,000 $294,941
    3-4% 1,930 $591,130,000 $306,285
    6-7% 1,840 $512,240,000 $278,391
    7-8% 276 $69,470,000 $251,703
    2.5-3% 171 $51,245,000 $299,678
    <2.5% 74 $6,420,000 $86,757
    Over 8% 7 $65,000 $9,286

    During 2022, Amcap Mortgage Ltd.'s average interest rate for loans was 5.13%, while their most frequently originated rate bucket for loans was 5-6%, with 3,831 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,865 $1,676,535,000 $285,854 $10,068 5.11%
    $100k-200k 2,478 $390,510,000 $157,591 $6,999 5.11%
    $400k-600k 1,629 $769,955,000 $472,655 $12,913 5.04%
    $100,000 or less 468 $26,490,000 $56,603 $3,178 4.87%
    $600k-1MM 399 $268,665,000 $673,346 $14,636 4.95%
    $1MM+ 23 $28,045,000 $1,219,348 $21,219 4.45%

    2022 saw Amcap Mortgage Ltd. place emphasis on $200k-400k loans with 5,865 originations, totaling $1,676,535,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,764 $919,120,000 $332,533 $10,877 5.12%
    $50k-75k 2,632 $575,510,000 $218,659 $8,603 5.08%
    $75k-100k 2,368 $658,080,000 $277,905 $10,378 5.13%
    $150k-250k 1,505 $622,295,000 $413,485 $10,910 5.08%
    $50k or less 1,136 $169,080,000 $148,838 $6,665 4.91%
    $250k+ 442 $213,280,000 $482,534 $11,429 5.13%

    Amcap Mortgage Ltd. lent most frequently to those with incomes in the $100k-150k range, with 2,764 originations. The second most popular income band? $50k-75k, with 2,632 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 1,600 $483,780,000 $302,363 $12,927 5.22%
    30-36% 1,501 $429,295,000 $286,006 $8,630 5.06%
    20-30% 1,206 $337,130,000 $279,544 $7,935 4.94%
    49% 572 $171,540,000 $299,895 $10,218 5.20%
    44% 556 $166,240,000 $298,993 $9,578 5.15%
    43% 504 $147,370,000 $292,401 $9,006 5.08%
    45% 488 $142,220,000 $291,434 $9,953 5.15%
    42% 466 $135,170,000 $290,064 $9,424 5.07%
    48% 447 $138,555,000 $309,966 $10,568 5.20%
    40% 415 $127,485,000 $307,193 $9,768 5.12%
    47% 412 $119,520,000 $290,097 $10,337 5.21%
    46% 407 $124,465,000 $305,811 $10,746 5.21%
    39% 401 $114,125,000 $284,601 $9,037 5.07%
    41% 396 $116,410,000 $293,965 $9,442 5.05%
    38% 363 $101,395,000 $279,325 $9,024 4.98%
    37% 355 $102,395,000 $288,437 $9,557 4.94%
    36% 350 $99,280,000 $283,657 $8,948 5.00%
    <20% 329 $71,185,000 $216,368 $5,894 4.74%
    >60% 64 $28,670,000 $447,969 $16,018 4.96%

    Amcap Mortgage Ltd. lent most frequently to those with DTI ratios of 50-60%, with 1,600 originations. The next most common DTI ratio? 30-36%, with 1,501 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,981 $2,263,805,000 $283,649 $9,473 5.09%
    Not provided 1,246 $389,900,000 $312,921 $10,559 5.09%
    Black 986 $304,070,000 $308,387 $11,520 5.14%
    Asian 403 $136,705,000 $339,218 $9,311 4.85%
    American Indian 177 $41,735,000 $235,791 $8,548 5.15%
    Asian Indian 21 $8,485,000 $404,048 $9,939 4.95%
    Native Hawaiian or Islander 17 $5,395,000 $317,353 $11,461 4.96%
    Other Asian 15 $4,225,000 $281,667 $8,754 5.13%
    Filipino 5 $2,625,000 $525,000 $18,467 5.62%
    Other Pacific Islander 7 $1,535,000 $219,286 $9,276 4.13%
    Chinese 3 $1,415,000 $471,667 $12,596 5.17%
    Samoan 1 $305,000 $305,000 $0 5.13%

    Approval Rates

    Total approvals of all applications
    93.57%

    Amcap Mortgage Ltd. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    62.59%

    Amcap Mortgage Ltd. 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 10,862 $3,160,200,000 $290,941

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,862 $3,160,200,000 $290,941

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 248 $42,630,000 $171,895 $5,829 4.76%
    40-60% 660 $169,650,000 $257,045 $7,333 4.84%
    60-80% 2,096 $644,010,000 $307,257 $8,644 5.02%
    80-100% 7,455 $2,218,745,000 $297,618 $10,326 5.15%
    Over 100% 218 $79,270,000 $363,624 $18,594 4.99%
    Under 20% 180 $4,740,000 $26,333 $795 4.67%