Amcap Mortgage Ltd. Rates, Fees & Info

HOUSTON, TX

LEI: 549300ONBM4MGXXBTA44

Tax ID: 32-0016270

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Mortgage Data

Review & Overview

Amcap Mortgage Ltd. is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Amcap Mortgage Ltd. 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: Houston, Dallas, San Antonio, Grand Junction, and Miami among others. We have data for 307 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 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 6.87% 4/22/24
30 Year Conventional Refi 6.63% 4/22/24
30 Year Cash-out Refi 7.01% 4/22/24
30 Year FHA Purchase 7.73% 4/22/24
30 Year FHA Refi 7.47% 4/22/24
30 Year VA Purchase 6.52% 4/22/24
30 Year VA Refi 6.15% 4/22/24
30 Year USDA Purchase 7.04% 4/22/24
30 Year USDA Refi 7.06% 4/22/24
15 Year Conventional Purchase 6.43% 4/22/24
15 Year Conventional Refi 6.32% 4/22/24
15 Year Cash-out Refi 6.32% 4/22/24
15 Year FHA Purchase 7.85% 4/22/24
15 Year FHA Refi 7.56% 4/22/24
15 Year VA Purchase 5.68% 4/22/24
15 Year VA Refi 6.27% 4/22/24
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.

Amcap Mortgage Ltd. Mortgage Calculator






Your Estimates

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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

17,928

Origination Dollar Volume (All Markets)

$4,404,850,000
Show all (36) 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
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 4,501 $1,162,975,000 $258,381 $6,948 3.16%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2,329 $605,925,000 $260,165 $7,885 3.23%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2,347 $585,405,000 $249,427 $7,672 3.30%
Outside of Metro Areas 768 $158,630,000 $206,549 $6,515 3.34%
GRAND JUNCTION, CO (FHA|USDA|VA) 538 $136,140,000 $253,048 $5,302 3.16%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 419 $128,885,000 $307,601 $9,296 3.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 401 $125,185,000 $312,182 $7,366 3.16%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 578 $97,740,000 $169,100 $7,918 3.46%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 210 $84,680,000 $403,238 $6,831 3.12%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 236 $83,100,000 $352,119 $7,379 3.19%
AMARILLO, TX (FHA|USDA|VA) 429 $79,845,000 $186,119 $8,052 3.50%
BOISE CITY, ID (FHA|USDA|VA) 261 $70,185,000 $268,908 $7,129 3.28%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 182 $49,930,000 $274,341 $4,437 3.16%
BATON ROUGE, LA (FHA|USDA|VA) 205 $43,345,000 $211,439 $7,280 3.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 192 $40,690,000 $211,927 $6,494 3.38%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 97 $36,525,000 $376,546 $8,647 3.06%
ODESSA, TX (FHA|USDA|VA) 162 $35,150,000 $216,975 $9,028 3.48%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 105 $34,335,000 $327,000 $6,039 3.21%
OKLAHOMA CITY, OK (FHA|USDA|VA) 171 $32,085,000 $187,632 $5,433 3.45%
ALBUQUERQUE, NM (FHA|USDA|VA) 155 $28,485,000 $183,774 $5,542 3.42%
MIDLAND, TX (FHA|USDA|VA) 102 $28,260,000 $277,059 $9,079 3.50%
Lufkin, TX (FHA|USDA|VA) 156 $28,240,000 $181,026 $6,382 3.32%
CORPUS CHRISTI, TX (FHA|USDA|VA) 114 $25,690,000 $225,351 $7,837 3.26%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 135 $24,655,000 $182,630 $5,342 3.31%
TUCSON, AZ (FHA|USDA|VA) 114 $22,320,000 $195,789 $7,013 3.18%
Roswell, NM (FHA|USDA|VA) 152 $21,970,000 $144,539 $5,022 3.68%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 118 $20,940,000 $177,458 $6,965 3.66%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 52 $19,910,000 $382,885 $8,970 2.91%
ANCHORAGE, AK (FHA|USDA|VA) 56 $17,970,000 $320,893 $6,977 2.79%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 66 $17,570,000 $266,212 $6,647 3.15%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 84 $17,050,000 $202,976 $6,465 3.17%
JACKSONVILLE, FL (FHA|USDA|VA) 56 $16,800,000 $300,000 $6,723 3.09%
ALEXANDRIA, LA (FHA|USDA|VA) 91 $16,335,000 $179,505 $7,488 3.45%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 68 $15,660,000 $230,294 $5,528 2.92%
LONGVIEW, TX (FHA|USDA|VA) 85 $13,855,000 $163,000 $5,907 3.38%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 77 $13,195,000 $171,364 $7,819 3.62%
KNOXVILLE, TN (FHA|USDA|VA) 64 $12,890,000 $201,406 $5,301 3.02%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $12,000,000 $461,538 $5,604 3.03%
Williston, ND (FHA|USDA|VA) 39 $11,175,000 $286,538 $7,718 3.27%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 45 $10,185,000 $226,333 $6,722 3.27%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 34 $10,090,000 $296,765 $6,122 3.09%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 57 $10,005,000 $175,526 $5,490 3.26%
CANTON-MASSILLON, OH (FHA|USDA|VA) 63 $9,545,000 $151,508 $5,506 3.21%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 28 $9,220,000 $329,286 $4,360 2.84%
LAS CRUCES, NM (FHA|USDA|VA) 53 $8,905,000 $168,019 $5,573 3.30%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 27 $8,695,000 $322,037 $5,464 3.40%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 30 $7,930,000 $264,333 $5,184 3.02%
WACO, TX (FHA|USDA|VA) 46 $7,660,000 $166,522 $7,741 3.91%
Craig, CO (FHA|USDA|VA) 42 $7,450,000 $177,381 $4,962 3.07%
Carlsbad-Artesia, NM (FHA|USDA|VA) 34 $7,270,000 $213,824 $7,767 3.80%
EL PASO, TX (FHA|USDA|VA) 39 $7,155,000 $183,462 $4,942 2.88%
TYLER, TX (FHA|USDA|VA) 31 $6,795,000 $219,194 $6,345 3.33%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 29 $6,575,000 $226,724 $8,523 2.93%
BILLINGS, MT (FHA|USDA|VA) 32 $6,220,000 $194,375 $7,250 3.32%
VICTORIA, TX (FHA|USDA|VA) 25 $6,145,000 $245,800 $7,883 3.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 27 $5,725,000 $212,037 $7,335 2.96%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 23 $5,465,000 $237,609 $4,008 3.15%
Montrose, CO (FHA|USDA|VA) 23 $5,445,000 $236,739 $5,873 3.15%
Fredericksburg, TX (FHA|USDA|VA) 17 $5,325,000 $313,235 $7,295 3.25%
Glenwood Springs, CO (FHA|USDA|VA) 16 $5,220,000 $326,250 $5,225 3.11%
Andrews, TX (FHA|USDA|VA) 24 $5,210,000 $217,083 $9,068 3.62%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 19 $5,155,000 $271,316 $5,156 3.07%
Alice, TX (FHA|USDA|VA) 32 $5,120,000 $160,000 $7,926 3.86%
FARMINGTON, NM (FHA|USDA|VA) 26 $5,030,000 $193,462 $5,996 3.17%
El Campo, TX (FHA|USDA|VA) 21 $5,025,000 $239,286 $7,253 3.54%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 25 $4,915,000 $196,600 $6,126 3.43%
SHERMAN-DENISON, TX (FHA|USDA|VA) 23 $4,855,000 $211,087 $6,941 3.41%
LAFAYETTE, LA (FHA|USDA|VA) 26 $4,760,000 $183,077 $6,907 3.43%
Huntsville, TX (FHA|USDA|VA) 17 $4,465,000 $262,647 $8,547 3.47%
Helena, MT (FHA|USDA|VA) 17 $4,275,000 $251,471 $6,531 3.03%
Kerrville, TX (FHA|USDA|VA) 15 $4,255,000 $283,667 $7,028 3.15%
Athens, TX (FHA|USDA|VA) 19 $4,205,000 $221,316 $7,827 3.23%
Shelton, WA (FHA|USDA|VA) 19 $4,195,000 $220,789 $6,199 3.15%
BURLINGTON, NC (FHA|USDA|VA) 20 $4,190,000 $209,500 $3,786 2.78%
SALINAS, CA (FHA|USDA|VA) 13 $4,085,000 $314,231 $3,915 3.26%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 18 $3,980,000 $221,111 $5,313 3.05%
HAMMOND, LA (FHA|USDA|VA) 21 $3,895,000 $185,476 $7,618 3.62%
Granbury, TX (FHA|USDA|VA) 14 $3,490,000 $249,286 $8,794 3.23%
Brenham, TX (FHA|USDA|VA) 12 $3,480,000 $290,000 $6,523 3.31%
ABILENE, TX (FHA|USDA|VA) 19 $3,475,000 $182,895 $9,073 3.76%
STOCKTON, CA (FHA|USDA|VA) 10 $3,460,000 $346,000 $6,403 3.15%
Stillwater, OK (FHA|USDA|VA) 22 $3,340,000 $151,818 $5,678 3.42%
GREELEY, CO (FHA|USDA|VA) 11 $3,335,000 $303,182 $3,424 3.00%
LUBBOCK, TX (FHA|USDA|VA) 16 $3,100,000 $193,750 $6,593 3.57%
TULSA, OK (FHA|USDA|VA) 16 $2,950,000 $184,375 $6,660 3.36%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $2,910,000 $207,857 $6,227 3.05%
EVANSVILLE, IN-KY (FHA|USDA|VA) 22 $2,710,000 $123,182 $4,348 3.52%
FORT COLLINS, CO (FHA|USDA|VA) 8 $2,660,000 $332,500 $5,386 2.89%
FAIRBANKS, AK (FHA|USDA|VA) 9 $2,655,000 $295,000 $4,938 2.71%
LAREDO, TX (FHA|USDA|VA) 15 $2,655,000 $177,000 $7,576 2.98%
NAPA, CA (FHA|USDA|VA) 5 $2,635,000 $527,000 $4,881 3.33%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $2,620,000 $262,000 $9,790 2.92%
Durango, CO (FHA|USDA|VA) 9 $2,615,000 $290,556 $6,941 3.04%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $2,595,000 $199,615 $5,299 3.29%
COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,575,000 $286,111 $5,506 3.17%
Dumas, TX (FHA|USDA|VA) 16 $2,550,000 $159,375 $8,087 3.62%
Arkadelphia, AR (FHA|USDA|VA) 19 $2,535,000 $133,421 $4,541 3.00%
Hereford, TX (FHA|USDA|VA) 18 $2,520,000 $140,000 $7,568 3.87%
TEXARKANA, TX-AR (FHA|USDA|VA) 17 $2,455,000 $144,412 $6,268 3.31%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $2,395,000 $266,111 $4,010 2.81%
Eagle Pass, TX (FHA|USDA|VA) 14 $2,330,000 $166,429 $7,254 3.86%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,315,000 $257,222 $4,352 3.28%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $2,310,000 $577,500 $11,848 2.72%
Gainesville, TX (FHA|USDA|VA) 9 $2,265,000 $251,667 $6,478 3.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 7 $2,255,000 $322,143 $4,889 2.87%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 14 $2,230,000 $159,286 $7,226 3.85%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $2,220,000 $277,500 $8,709 3.42%
Nacogdoches, TX (FHA|USDA|VA) 12 $2,200,000 $183,333 $5,802 3.30%
Bay City, TX (FHA|USDA|VA) 8 $2,060,000 $257,500 $7,154 3.39%
Key West, FL (FHA|USDA|VA) 5 $2,045,000 $409,000 $7,260 3.17%
AKRON, OH (FHA|USDA|VA) 10 $2,040,000 $204,000 $6,182 3.31%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $1,955,000 $150,385 $5,531 3.45%
SANTA FE, NM (FHA|USDA|VA) 7 $1,935,000 $276,429 $11,677 4.12%
Rockport, TX (FHA|USDA|VA) 8 $1,910,000 $238,750 $7,751 3.73%
Pearsall, TX (FHA|USDA|VA) 11 $1,905,000 $173,182 $7,332 4.06%
Russellville, AR (FHA|USDA|VA) 12 $1,900,000 $158,333 $4,537 3.57%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $1,865,000 $266,429 $5,202 3.05%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 7 $1,835,000 $262,143 $6,376 2.89%
Kingsville, TX (FHA|USDA|VA) 12 $1,820,000 $151,667 $6,065 3.61%
LOUISVILLE, KY (FHA|USDA|VA) 8 $1,780,000 $222,500 $7,378 3.44%
VALLEJO, CA (FHA|USDA|VA) 5 $1,565,000 $313,000 $5,126 2.73%
Hailey, ID (FHA|USDA|VA) 4 $1,550,000 $387,500 $8,458 2.94%
Corsicana, TX (FHA|USDA|VA) 7 $1,405,000 $200,714 $6,806 3.16%
SAN ANGELO, TX (FHA|USDA|VA) 7 $1,395,000 $199,286 $6,734 3.23%
Ketchikan, AK (FHA|USDA|VA) 4 $1,290,000 $322,500 $6,554 3.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,240,000 $206,667 $6,211 2.92%
Kalispell, MT (FHA|USDA|VA) 5 $1,195,000 $239,000 $6,239 3.33%
COLUMBUS, OH (FHA|USDA|VA) 3 $1,195,000 $398,333 $10,398 2.67%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,185,000 $395,000 $9,437 2.88%
Port Lavaca, TX (FHA|USDA|VA) 5 $1,175,000 $235,000 $5,269 3.13%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $1,150,000 $287,500 $7,420 3.22%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,150,000 $287,500 $8,196 3.28%
ENID, OK (FHA|USDA|VA) 5 $1,095,000 $219,000 $7,379 3.85%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,080,000 $270,000 $5,417 3.22%
EL CENTRO, CA (FHA|USDA|VA) 5 $1,015,000 $203,000 $3,387 2.65%
New Philadelphia-Dover, OH (FHA|USDA|VA) 8 $980,000 $122,500 $5,511 3.23%
Ontario, OR-ID (FHA|USDA|VA) 4 $960,000 $240,000 $7,121 3.06%
Steamboat Springs, CO (FHA|USDA|VA) 3 $945,000 $315,000 $4,762 3.13%
Ruidoso, NM (FHA|USDA|VA) 3 $935,000 $311,667 $5,644 3.08%
Jacksonville, TX (FHA|USDA|VA) 6 $930,000 $155,000 $7,357 4.15%
Uvalde, TX (FHA|USDA|VA) 3 $925,000 $308,333 $11,377 4.29%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $925,000 $185,000 $3,739 2.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $915,000 $305,000 $5,286 2.88%
Natchitoches, LA (FHA|USDA|VA) 3 $915,000 $305,000 $11,369 3.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $900,000 $450,000 $5,687 2.56%
LINCOLN, NE (FHA|USDA|VA) 4 $900,000 $225,000 $7,189 3.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $895,000 $179,000 $5,620 3.35%
ST. GEORGE, UT (FHA|USDA|VA) 2 $880,000 $440,000 $7,186 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $880,000 $146,667 $5,158 2.35%
PROVO-OREM, UT (FHA|USDA|VA) 3 $875,000 $291,667 $5,393 2.71%
Aberdeen, WA (FHA|USDA|VA) 4 $860,000 $215,000 $9,492 3.81%
Opelousas, LA (FHA|USDA|VA) 4 $860,000 $215,000 $6,282 4.06%
Beeville, TX (FHA|USDA|VA) 4 $860,000 $215,000 $7,249 3.88%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $855,000 $285,000 $5,065 3.92%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $850,000 $425,000 $7,678 2.69%
Palestine, TX (FHA|USDA|VA) 4 $850,000 $212,500 $9,760 3.06%
Rio Grande City-Roma, TX (FHA|USDA|VA) 6 $830,000 $138,333 $7,673 3.71%
Evanston, WY (FHA|USDA|VA) 2 $800,000 $400,000 $4,574 2.81%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $795,000 $265,000 $3,971 2.96%
Mountain Home, ID (FHA|USDA|VA) 3 $775,000 $258,333 $10,261 3.92%
Stephenville, TX (FHA|USDA|VA) 4 $770,000 $192,500 $7,970 4.06%
Shawnee, OK (FHA|USDA|VA) 4 $760,000 $190,000 $4,657 3.25%
Fort Polk South, LA (FHA|USDA|VA) 4 $740,000 $185,000 $9,741 3.41%
Sulphur Springs, TX (FHA|USDA|VA) 3 $725,000 $241,667 $6,686 3.33%
Wooster, OH (FHA|USDA|VA) 5 $715,000 $143,000 $6,852 4.03%
Pecos, TX (FHA|USDA|VA) 5 $695,000 $139,000 $8,151 3.67%
Borger, TX (FHA|USDA|VA) 6 $670,000 $111,667 $7,118 3.31%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $650,000 $325,000 $12,537 3.00%
Centralia, WA (FHA|USDA|VA) 2 $630,000 $315,000 $5,409 3.50%
Sevierville, TN (FHA|USDA|VA) 2 $630,000 $315,000 $3,603 3.44%
WICHITA FALLS, TX (FHA|USDA|VA) 4 $620,000 $155,000 $6,513 3.72%
Picayune, MS (FHA|USDA|VA) 2 $610,000 $305,000 $9,962 3.37%
Lawrenceburg, TN (FHA|USDA|VA) 4 $600,000 $150,000 $6,491 3.16%
Mineral Wells, TX (FHA|USDA|VA) 4 $600,000 $150,000 $5,524 3.78%
Minot, ND (FHA|USDA|VA) 2 $590,000 $295,000 $5,524 3.13%
Lewisburg, TN (FHA|USDA|VA) 3 $575,000 $191,667 $7,297 2.96%
PUEBLO, CO (FHA|USDA|VA) 3 $575,000 $191,667 $5,124 2.63%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $555,000 $185,000 $5,598 3.08%
Big Spring, TX (FHA|USDA|VA) 3 $555,000 $185,000 $7,165 3.83%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $550,000 $275,000 $10,472 2.87%
CASPER, WY (FHA|USDA|VA) 2 $540,000 $270,000 $6,328 3.50%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $540,000 $270,000 $8,367 3.19%
TWIN FALLS, ID (FHA|USDA|VA) 2 $520,000 $260,000 $7,299 3.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $515,000 $171,667 $2,702 2.79%
IOWA CITY, IA (FHA|USDA|VA) 3 $505,000 $168,333 $3,279 3.13%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $495,000 $495,000 $7,773 2.88%
Heber, UT (FHA|USDA|VA) 1 $485,000 $485,000 $3,000 2.63%
Lamesa, TX (FHA|USDA|VA) 3 $485,000 $161,667 $9,621 4.46%
SALEM, OR (FHA|USDA|VA) 1 $475,000 $475,000 $5,700 2.99%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $475,000 $158,333 $7,072 3.71%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $475,000 $158,333 $3,840 3.29%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,538 4.99%
MISSOULA, MT (FHA|USDA|VA) 2 $450,000 $225,000 $6,428 3.75%
WENATCHEE, WA (FHA|USDA|VA) 2 $430,000 $215,000 $2,732 3.19%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $420,000 $210,000 $3,535 3.44%
Rock Springs, WY (FHA|USDA|VA) 2 $420,000 $210,000 $4,953 2.75%
Bonham, TX (FHA|USDA|VA) 3 $415,000 $138,333 $6,285 4.36%
Port Angeles, WA (FHA|USDA|VA) 1 $405,000 $405,000 $11,688 3.25%
Henderson, NC (FHA|USDA|VA) 2 $400,000 $200,000 $4,885 2.75%
AMES, IA (FHA|USDA|VA) 2 $400,000 $200,000 $6,386 3.19%
Moses Lake, WA (FHA|USDA|VA) 2 $390,000 $195,000 $3,653 3.18%
Bozeman, MT (FHA|USDA|VA) 2 $390,000 $195,000 $3,914 2.75%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $385,000 $385,000 $5,590 3.00%
Juneau, AK (FHA|USDA|VA) 1 $385,000 $385,000 $13,210 3.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $385,000 $128,333 $6,218 3.08%
Searcy, AR (FHA|USDA|VA) 3 $385,000 $128,333 $5,297 3.46%
Deming, NM (FHA|USDA|VA) 4 $370,000 $92,500 $3,643 2.50%
Snyder, TX (FHA|USDA|VA) 2 $370,000 $185,000 $10,117 4.63%
Forest City, NC (FHA|USDA|VA) 1 $365,000 $365,000 $4,649 3.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $360,000 $180,000 $4,373 2.44%
Malvern, AR (FHA|USDA|VA) 3 $355,000 $118,333 $4,904 3.38%
MORRISTOWN, TN (FHA|USDA|VA) 2 $350,000 $175,000 $5,263 2.75%
MODESTO, CA (FHA|USDA|VA) 2 $350,000 $175,000 $6,634 2.81%
Del Rio, TX (FHA|USDA|VA) 2 $350,000 $175,000 $10,790 3.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $345,000 $345,000 $3,886 2.75%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $340,000 $170,000 $6,690 2.94%
FARGO, ND-MN (FHA|USDA|VA) 1 $335,000 $335,000 $2,707 3.38%
Fort Morgan, CO (FHA|USDA|VA) 1 $335,000 $335,000 $14,248 3.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $325,000 $325,000 $6,769 2.75%
LANCASTER, PA (FHA|USDA|VA) 1 $325,000 $325,000 $4,097 2.88%
Show Low, AZ (FHA|USDA|VA) 2 $320,000 $160,000 $4,523 3.38%
MEDFORD, OR (FHA|USDA|VA) 1 $315,000 $315,000 $5,579 3.00%
DeRidder, LA (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.00%
LONGVIEW, WA (FHA|USDA|VA) 1 $315,000 $315,000 $0 3.13%
Dickinson, ND (FHA|USDA|VA) 1 $315,000 $315,000 $11,816 4.00%
Scottsbluff, NE (FHA|USDA|VA) 1 $315,000 $315,000 $9,329 2.50%
PITTSBURGH, PA (FHA|USDA|VA) 2 $310,000 $155,000 $4,701 3.06%
Paris, TX (FHA|USDA|VA) 1 $305,000 $305,000 $18,413 3.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,873 2.50%
Fremont, NE (FHA|USDA|VA) 2 $300,000 $150,000 $4,736 3.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $295,000 $295,000 $4,124 2.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $290,000 $145,000 $5,841 3.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,359 2.38%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $285,000 $285,000 $5,333 2.25%
Breckenridge, CO (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.88%
Pampa, TX (FHA|USDA|VA) 3 $275,000 $91,667 $6,242 3.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,891 2.25%
Athens, TN (FHA|USDA|VA) 1 $265,000 $265,000 $8,421 2.75%
Raymondville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $5,302 3.25%
Silver City, NM (FHA|USDA|VA) 1 $265,000 $265,000 $14,449 4.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $260,000 $130,000 $6,236 3.06%
Athens, OH (FHA|USDA|VA) 1 $255,000 $255,000 $6,956 2.88%
Plainview, TX (FHA|USDA|VA) 2 $250,000 $125,000 $7,760 4.06%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $245,000 $245,000 $4,596 2.38%
Payson, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $2,415 3.00%
DULUTH, MN-WI (FHA|USDA|VA) 1 $235,000 $235,000 $4,839 4.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $235,000 $235,000 $2,898 2.38%
Greeneville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $8,893 2.88%
Norfolk, NE (FHA|USDA|VA) 1 $225,000 $225,000 $4,428 2.88%
Las Vegas, NM (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.75%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $225,000 $225,000 $4,983 2.88%
Brownwood, TX (FHA|USDA|VA) 2 $220,000 $110,000 $4,248 3.94%
Tahlequah, OK (FHA|USDA|VA) 2 $220,000 $110,000 $3,918 3.44%
TOLEDO, OH (FHA|USDA|VA) 2 $220,000 $110,000 $4,170 4.18%
BELLINGHAM, WA (FHA|USDA|VA) 1 $215,000 $215,000 $8,142 3.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $215,000 $215,000 $5,987 2.88%
Ashland, OH (FHA|USDA|VA) 1 $215,000 $215,000 $12,052 3.25%
CHEYENNE, WY (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $205,000 $205,000 $11,127 2.88%
Sterling, IL (FHA|USDA|VA) 1 $205,000 $205,000 $4,394 2.99%
Camden, AR (FHA|USDA|VA) 2 $200,000 $100,000 $4,995 3.00%
Ponca City, OK (FHA|USDA|VA) 2 $200,000 $100,000 $5,793 4.19%
Ardmore, OK (FHA|USDA|VA) 2 $200,000 $100,000 $3,510 2.94%
LAWRENCE, KS (FHA|USDA|VA) 1 $195,000 $195,000 $6,159 2.75%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $195,000 $195,000 $8,557 3.13%
Keene, NH (FHA|USDA|VA) 1 $195,000 $195,000 $3,529 4.13%
Newport, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,798 3.63%
GREAT FALLS, MT (FHA|USDA|VA) 1 $195,000 $195,000 $4,614 2.88%
RAPID CITY, SD (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,255 2.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $185,000 $185,000 $5,124 2.25%
YUMA, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $3,220 3.63%
Garden City, KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,737 3.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,706 2.75%
Morgan City, LA (FHA|USDA|VA) 1 $175,000 $175,000 $7,179 3.13%
MERCED, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,025 2.99%
Outside of Metro Areas 1 $175,000 $175,000 $7,054 2.25%
EspaƱola, NM (FHA|USDA|VA) 1 $165,000 $165,000 $11,782 4.75%
JACKSON, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,049 3.50%
Bardstown, KY (FHA|USDA|VA) 1 $165,000 $165,000 $7,997 2.25%
Pella, IA (FHA|USDA|VA) 1 $165,000 $165,000 $4,597 2.75%
Somerset, KY (FHA|USDA|VA) 1 $165,000 $165,000 $3,925 2.75%
Susanville, CA (FHA|USDA|VA) 1 $155,000 $155,000 $6,412 2.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $155,000 $155,000 $3,594 2.88%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.00%
London, KY (FHA|USDA|VA) 1 $145,000 $145,000 $3,431 2.75%
Warrensburg, MO (FHA|USDA|VA) 1 $145,000 $145,000 $5,643 4.75%
Beatrice, NE (FHA|USDA|VA) 1 $145,000 $145,000 $5,476 2.75%
Wabash, IN (FHA|USDA|VA) 1 $145,000 $145,000 $9,338 4.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,473 2.88%
Hobbs, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,349 3.13%
Wapakoneta, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,973 2.63%
Elk City, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,705 3.38%
TOPEKA, KS (FHA|USDA|VA) 1 $125,000 $125,000 $2,690 2.75%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $125,000 $125,000 $6,526 4.50%
FOND DU LAC, WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,381 3.99%
Alamogordo, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.25%
Maysville, KY (FHA|USDA|VA) 1 $115,000 $115,000 $4,557 2.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $3,230 3.38%
Muscatine, IA (FHA|USDA|VA) 2 $110,000 $55,000 $0 3.19%
Gillette, WY (FHA|USDA|VA) 1 $105,000 $105,000 $1,298 5.13%
Weatherford, OK (FHA|USDA|VA) 1 $105,000 $105,000 $4,883 3.38%
YAKIMA, WA (FHA|USDA|VA) 1 $105,000 $105,000 $3,239 3.00%
Burlington, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $4,746 2.75%
Jasper, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,265 4.38%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,033 2.75%
Ada, OK (FHA|USDA|VA) 1 $65,000 $65,000 $3,385 3.75%
Amcap Mortgage Ltd.'s top markets include Houston, Dallas, San Antonio, Grand Junction, and Miami among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 10,132 $2,593,810,000 $256,002 $5,368 3.16%
    FHA 5,541 $1,176,605,000 $212,345 $9,720 3.47%
    VA 1,988 $587,830,000 $295,689 $8,614 3.15%
    USDA 267 $46,605,000 $174,551 $6,667 3.22%

    For 2020, Amcap Mortgage Ltd.'s most frequently originated type of loan was Conventional, with 10,132 originations. Their 2nd most popular type was FHA, with 5,541 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11,821 $2,831,365,000 $239,520 $8,031 3.36%
    Refi 4,652 $1,205,080,000 $259,046 $5,108 2.99%
    Cash Out Refi 1,455 $368,405,000 $253,199 $6,011 3.31%

    For 2020, Amcap Mortgage Ltd.'s most frequently cited loan purpose was Home Purchase, with 11,821 originations. The 2nd most popular reason was Refi, with 4,652 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 16,221 $4,023,225,000 $248,026 $7,355 3.30%
    15 Year 1,174 $256,800,000 $218,739 $4,874 2.73%
    20 Year 352 $85,260,000 $242,216 $4,965 3.10%
    Other 116 $30,850,000 $265,948 $4,786 3.03%
    10 Year 65 $8,715,000 $134,077 $3,384 3.02%

    For 2020, Amcap Mortgage Ltd.'s most frequently cited loan duration was 30 Year, with 16,221 originations. The 2nd most popular length was 15 Year, with 1,174 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 7,449 $1,836,205,000 $246,504
    $2k-3k 3,318 $754,550,000 $227,411
    $3k-4k 2,165 $499,895,000 $230,898
    $5k+ 2,107 $668,205,000 $317,136
    $4k-5k 1,406 $369,460,000 $262,774
    $<1k 752 $141,050,000 $187,566

    Amcap Mortgage Ltd.'s average total fees were $7,355, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,449 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 7,294 $1,753,100,000 $240,348
    2.5-3% 6,706 $1,750,360,000 $261,014
    4-5% 1,799 $376,325,000 $209,186
    <2.5% 1,703 $446,775,000 $262,346
    5-6% 402 $72,510,000 $180,373
    6-7% 11 $2,615,000 $237,727
    7-8% 10 $2,730,000 $273,000
    Over 8% 1 $405,000 $405,000

    During 2020, Amcap Mortgage Ltd.'s average interest rate for loans was 3.30%, while their most frequently originated rate bucket for loans was 3-4%, with 7,294 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 9,400 $2,604,310,000 $277,054 $7,735 3.19%
    $100k-200k 6,022 $947,110,000 $157,275 $6,077 3.38%
    $400k-600k 1,538 $714,810,000 $464,766 $8,224 3.08%
    $100,000 or less 869 $62,125,000 $71,490 $4,013 3.43%
    $600k-1MM 86 $61,220,000 $711,860 $14,512 3.26%
    $1MM+ 13 $15,275,000 $1,175,000 $13,309 3.51%

    2020 saw Amcap Mortgage Ltd. place emphasis on $200k-400k loans with 9,400 originations, totaling $2,604,310,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4,802 $968,600,000 $201,708 $7,178 3.31%
    $100k-150k 3,874 $1,106,960,000 $285,741 $7,590 3.24%
    $75k-100k 3,455 $847,775,000 $245,376 $7,643 3.31%
    $50k or less 2,441 $364,305,000 $149,244 $6,060 3.32%
    $150k-250k 2,183 $715,625,000 $327,817 $7,052 3.16%
    $250k+ 672 $252,440,000 $375,655 $6,810 3.17%

    Amcap Mortgage Ltd. lent most frequently to those with incomes in the $50k-75k range, with 4,802 originations. The second most popular income band? $100k-150k, with 3,874 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 3,042 $735,550,000 $241,798 $6,757 3.25%
    20-30% 3,019 $744,035,000 $246,451 $5,911 3.15%
    50-60% 1,866 $441,730,000 $236,726 $10,014 3.34%
    <20% 870 $197,440,000 $226,943 $4,951 3.07%
    44% 776 $193,140,000 $248,892 $7,124 3.37%
    43% 706 $177,130,000 $250,892 $7,119 3.33%
    42% 693 $177,365,000 $255,938 $7,322 3.34%
    39% 657 $165,155,000 $251,377 $7,105 3.32%
    41% 654 $162,590,000 $248,609 $7,058 3.38%
    40% 613 $152,925,000 $249,470 $7,203 3.31%
    36% 610 $147,150,000 $241,230 $6,734 3.26%
    38% 589 $147,055,000 $249,669 $7,035 3.32%
    37% 588 $145,080,000 $246,735 $7,089 3.27%
    45% 588 $142,330,000 $242,058 $7,720 3.37%
    49% 574 $140,760,000 $245,226 $7,774 3.34%
    46% 516 $119,350,000 $231,298 $7,769 3.35%
    48% 515 $128,595,000 $249,699 $8,303 3.34%
    47% 492 $120,650,000 $245,224 $8,063 3.27%
    >60% 60 $18,090,000 $301,500 $10,822 3.09%

    Amcap Mortgage Ltd. lent most frequently to those with DTI ratios of 30-36%, with 3,042 originations. The next most common DTI ratio? 20-30%, with 3,019 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 13,819 $3,339,235,000 $241,641 $6,885 3.27%
    Not provided 1,589 $412,045,000 $259,311 $7,813 3.18%
    Black 1,580 $400,310,000 $253,361 $8,769 3.36%
    Asian 678 $187,640,000 $276,755 $6,322 3.03%
    American Indian 167 $38,075,000 $227,994 $6,787 3.28%
    Asian Indian 29 $9,225,000 $318,103 $6,981 2.89%
    Other Asian 19 $5,645,000 $297,105 $6,685 2.91%
    Native Hawaiian or Islander 20 $4,770,000 $238,500 $6,090 3.21%
    Filipino 8 $2,580,000 $322,500 $7,082 3.22%
    Vietnamese 5 $1,605,000 $321,000 $6,197 2.95%
    Other Pacific Islander 5 $1,455,000 $291,000 $4,643 2.57%
    Chinese 6 $1,430,000 $238,333 $9,109 2.92%
    Guamanian 1 $455,000 $455,000 $11,754 3.25%
    Japanese 1 $195,000 $195,000 $11,348 4.38%
    Samoan 1 $185,000 $185,000 $10,700 3.00%

    Approval Rates

    Total approvals of all applications
    94.44%

    Amcap Mortgage Ltd. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.52%

    Amcap Mortgage Ltd. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $235,000 $235,000
    NA 17,927 $4,404,615,000 $245,697

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 761 $139,935,000 $183,883
    Single Family (1-4 Units):Site-Built 17,167 $4,264,915,000 $248,437

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 323 $58,935,000 $182,461 $4,545 2.90%
    40-60% 1,290 $295,330,000 $228,938 $4,741 2.98%
    60-80% 4,284 $1,130,570,000 $263,905 $5,499 3.17%
    80-100% 11,474 $2,784,990,000 $242,722 $7,784 3.34%
    Over 100% 428 $129,950,000 $303,621 $14,143 3.23%
    Under 20% 122 $2,280,000 $18,689 $455 2.94%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Amcap Investments, LLC Conventional home mortgage Trouble during payment process 1 25.0%
    Amcap Investments, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    Amcap Investments, LLC FHA mortgage Struggling to pay mortgage 1 25.0%
    Amcap Investments, LLC Other type of mortgage Closing on a mortgage 1 25.0%