American Interbanc Mortgage Rates, Fees & Info
IRVINE, CALEI: 549300ZP7KNREEE1OI11
Tax ID: 33-0816610
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Mortgage Data
Review & Overview
American Interbanc Mortgage is a smaller mortgage company specializing in Refi and Cash Out Refi loans. American Interbanc Mortgage has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Sacramento, Riverside, San Diego, and San Francisco among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)American Interbanc Mortgage 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 Interbanc Mortgage is typically a low 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.
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Originations
194Origination Dollar Volume (All Markets)
$62,160,000American Interbanc Mortgage - 2018
American Interbanc Mortgage is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
---|---|---|---|---|---|
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 53 | $17,925,000 | $338,208 | $1,457 | 3.75% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 26 | $7,630,000 | $293,462 | $931 | 3.66% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 28 | $7,610,000 | $271,786 | $1,394 | 3.86% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 18 | $6,500,000 | $361,111 | $1,374 | 3.60% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 15 | $5,515,000 | $367,667 | $1,062 | 3.65% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $3,405,000 | $378,333 | $1,408 | 3.55% |
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $1,238 | 3.95% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $2,667 | 3.83% |
VALLEJO, CA (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $946 | 3.81% |
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $1,382 | 3.73% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,366 | 4.01% |
MERCED, CA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $1,380 | 3.54% |
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $1,364 | 3.87% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $960 | 3.27% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $1,975 | 3.94% |
STOCKTON, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $700 | 4.01% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,195 | 3.69% |
MODESTO, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $775 | 3.32% |
BEND, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,564 | 3.75% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $757 | 3.50% |
Outside of Metro Areas | 1 | $305,000 | $305,000 | $1,690 | 3.79% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,264 | 3.50% |
FRESNO, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $885 | 3.55% |
VISALIA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,561 | 4.01% |
NAPA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,110 | 3.28% |
Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,137 | 4.00% |
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $327 | 3.78% |
Clearlake, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,145 | 4.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against American Interbanc Mortgage 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 | 194 | $62,160,000 | $320,412 | $1,350 | 3.73% |
For 2018, American Interbanc Mortgage's most frequently originated type of loan was Conventional, with 194 originations.
Loan Reason
For 2018, American Interbanc Mortgage's most frequently cited loan purpose was Refi, with 126 originations. The 2nd most popular reason was Cash Out Refi, with 56 originations.
Loan Duration/Length
For 2018, American Interbanc Mortgage's most frequently cited loan duration was 30 Year, with 107 originations. The 2nd most popular length was 15 Year, with 69 originations.
Origination Fees/Closing Costs
American Interbanc Mortgage's average total fees were $1,463, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 186 originations.
Interest Rates
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
3-4% | 128 | $40,210,000 | $314,141 |
4-5% | 46 | $15,850,000 | $344,565 |
2.5-3% | 15 | $4,765,000 | $317,667 |
5-6% | 3 | $835,000 | $278,333 |
% | 2 | $500,000 | $250,000 |
During 2018, American Interbanc Mortgage's average interest rate for loans was 4.04%, while their most frequently originated rate bucket for loans was 3-4%, with 128 originations.
Loan Sizing
2018 saw American Interbanc Mortgage place emphasis on $200k-400k loans with 142 originations, totaling $42,300,000 in origination value.
Applicant Income
American Interbanc Mortgage lent most frequently to those with incomes in the $100k-150k range, with 68 originations. The second most popular income band? $75k-100k, with 41 originations.
Applicant Debt to Income Ratio
American Interbanc Mortgage lent most frequently to those with DTI ratios of 20-30%, with 38 originations. The next most common DTI ratio? 30-36%, with 37 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.62%
American Interbanc Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination56.19%
American Interbanc 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 | 194 | $62,160,000 | $320,412 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Single Family (1-4 Units):Site-Built | 194 | $62,160,000 | $320,412 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
AMERICAN INTERNET MORTGAGE | Conventional home mortgage | Closing on a mortgage | 1 | 11.1% |
AMERICAN INTERNET MORTGAGE | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 22.2% |
AMERICAN INTERNET MORTGAGE | Other type of mortgage | Trouble during payment process | 1 | 11.1% |
AMERICAN INTERNET MORTGAGE | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |
AMERICAN INTERNET MORTGAGE | Conventional home mortgage | Trouble during payment process | 4 | 44.4% |