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American Portfolio Mortgage Corporation
Independent Mortgage Company•CARSON CITY, NV•Direct to Consumer
We analyzed every closed loan from American Portfolio Mortgage — 2.9k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 22 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
American Portfolio Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +49.0 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National23 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,437 | 49.7% | +0.462%Above | $3,344Fees | ||||
FHA Loans | 1,220 | 42.2% | +0.671%Above | $3,059Fees | ||||
VA Loans | 190 | 6.6% | -0.197%Below | $3,185Fees | ||||
Jumbo Loans | — | 39 | 1.3% | +0.364%Above | $3,880Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,707 | 93.5% | +0.492%Above | $3,281Fees | ||||
Refinance | 187 | 6.5% | +0.474%Above | $2,959Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,894
Applications
4,068
Volume
$931 million
Pricing & Closing
Avg Rate Spread
+0.490%
vs. market APOR
Avg Net Fees
$3,250
Origination − Credits
Pullthrough Rate
71.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$321,824
Avg Borrower Income
$131,517
Avg Property Value
$382,395
Geographic Coverage
Geographic Performance
Metro Areas
22
States Served
27
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACODCDEFLIAILINKSLAMDMIMNMONCNMNVOKPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Dallas, TXMSA
Volume: 1,083Mix: 37.42%of portfolio
Place
Exceptional2
Fort Worth, TXMSA
Volume: 436Mix: 15.07%of portfolio
Place
Exceptional3
Sherman, TXMSA
Volume: 52Mix: 1.80%of portfolio
Place
Strong4
Lake County, INMSA
Volume: 100Mix: 3.46%of portfolio
Place
Strong5
El Paso, TX, TXMSA
Volume: 114Mix: 3.94%of portfolio
Place
Strong6
Chicago, ILMSA
Volume: 264Mix: 9.12%of portfolio
Place
Strong7
Huntsville, AL, ALMSA
Volume: 76Mix: 2.63%of portfolio
Place
Strong8
St. Joseph, MO, MO-KSMSA
Volume: 29Mix: 1.00%of portfolio
Place
Strong9
Oklahoma City, OK, OKMSA
Volume: 62Mix: 2.14%of portfolio
Place
Strong10
Elgin, IL, ILMSA
Volume: 30Mix: 1.04%of portfolio
Place
SoundShowing 10 of 22 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,954Mix: 67.52%of portfolio
Place
Exceptional2
ILState
Volume: 346Mix: 11.96%of portfolio
Place
Strong3
ALState
Volume: 109Mix: 3.77%of portfolio
Place
Strong4
OKState
Volume: 81Mix: 2.80%of portfolio
Place
Strong5
INState
Volume: 104Mix: 3.59%of portfolio
Place
Sound6
VAState
Volume: 49Mix: 1.69%of portfolio
Place
Sound7
MIState
Volume: 46Mix: 1.59%of portfolio
Place
Sound8
FLState
Volume: 65Mix: 2.25%of portfolio
Place
Sound9
MOState
Volume: 33Mix: 1.14%of portfolio
Place
Sound10
LAState
Volume: 21Mix: 0.73%of portfolio
Place
SoundShowing 10 of 13 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.