# AMERICAN PORTFOLIO MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/american-portfolio-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICAN PORTFOLIO MORTGAGE CORPORATION is a independent mortgage company, headquartered in CARSON CITY, NV, serving borrowers across 27 states, with 2,894 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BBKMRS6J0CB539
- **Headquarters:** CARSON CITY, NV
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** AL, AR, AZ, CA, CO, DC, DE, FL, IA, IL, IN, KS, LA, MD, MI, MN, MO, NC, NM, NV, OK, PA, SC, TN, TX, VA, WI
- **Markets (MSAs):** 23
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.490%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,250
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,894
- **Dollar Volume:** $931 million
- **Applications Received:** 4,068
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $321,824
- **Average Borrower Income:** $131,517
- **Average Property Value:** $382,395

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 1,437 | +0.462% | $3,344 | Strong 😀 |
| FHA | 82/100 | 1,220 | +0.671% | $3,059 | Exceptional 🤩 |
| VA | 74/100 | 190 | -0.197% | $3,185 | Strong 😀 |
| Jumbo | 71/100 | 39 | +0.364% | $3,880 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,289 loans, Score: 70/100 (Strong)
- Refinance: 148 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 1,191 loans, Score: 82/100 (Exceptional)
- Refinance: 29 loans, Score: 47/100 (Sound)

**VA:**
- Purchase: 184 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 35 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 2,707 | $873M | +0.492% | Strong 😀 |
| Refinance | 70/100 | 187 | $58M | +0.474% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,954 | 0.56% | 87/100 |
| IL | 346 | 0.28% | 74/100 |
| AL | 109 | 0.18% | 65/100 |
| IN | 104 | 0.11% | 59/100 |
| OK | 81 | 0.20% | 60/100 |
| FL | 65 | 0.02% | 49/100 |
| VA | 49 | 0.05% | 52/100 |
| MI | 46 | 0.04% | 50/100 |
| MO | 33 | 0.04% | 48/100 |
| LA | 21 | 0.06% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 1,083 | 91/100 |
| Fort Worth | TX | 436 | 87/100 |
| Chicago | IL | 264 | 73/100 |
| Non |  | 156 | 53/100 |
| El Paso, TX | TX | 114 | 73/100 |
| Lake County | IN | 100 | 76/100 |
| Huntsville, AL | AL | 76 | 69/100 |
| Oklahoma City, OK | OK | 62 | 62/100 |
| Houston | TX | 58 | 54/100 |
| Sherman | TX | 52 | 77/100 |
| Arlington | VA-WV | 45 | 55/100 |
| Austin | TX | 40 | 55/100 |
| Elgin, IL | IL | 30 | 56/100 |
| St. Joseph, MO | MO-KS | 29 | 63/100 |
| Lansing | MI | 27 | 53/100 |

## Where This Lender Ranks

AMERICAN PORTFOLIO MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in St. Joseph, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in St. Joseph, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#9** in St. Joseph, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Sherman for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in St. Joseph, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Sherman Mortgage Companies
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Sherman for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Sherman for FHA Loans
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in St. Joseph, MO
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders)
- 🏆 **#13** in Sherman for VA Loans
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders/va-loans)
- 🏆 **#14** in El Paso, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Lansing for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Sherman
  - [View Full Rankings](https://saferate.com/sherman/best-mortgage-lenders)
- 🏆 **#17** in Shreveport Mortgage Companies
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in El Paso, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in El Paso, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in St. Joseph, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in El Paso, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#19** in Lake County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Lake County Mortgage Companies
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does AMERICAN PORTFOLIO MORTGAGE CORPORATION offer?

AMERICAN PORTFOLIO MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN PORTFOLIO MORTGAGE CORPORATION offer mortgages?

AMERICAN PORTFOLIO MORTGAGE CORPORATION offers mortgages in 27 states: AL, AR, AZ, CA, CO, DC, DE, FL, IA, IL, IN, KS, LA, MD, MI, MN, MO, NC, NM, NV, OK, PA, SC, TN, TX, VA, WI.

### How competitive are AMERICAN PORTFOLIO MORTGAGE CORPORATION's mortgage rates?

AMERICAN PORTFOLIO MORTGAGE CORPORATION has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.490% above market average.

### What type of lender is AMERICAN PORTFOLIO MORTGAGE CORPORATION?

AMERICAN PORTFOLIO MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in CARSON CITY, NV.

### What is AMERICAN PORTFOLIO MORTGAGE CORPORATION's loan approval success rate?

AMERICAN PORTFOLIO MORTGAGE CORPORATION has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-portfolio-mortgage

### How to Cite

> "AMERICAN PORTFOLIO MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-portfolio-mortgage

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