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AMERICAN PORTFOLIO MORTGAGE CORPORATION
Independent Mortgage Company|CARSON CITY, NV|Near-National
Loans Originated
2,894
Applications
4,068
Volume
$931 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.490%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,250
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.1%
Percentage of applications that result in closed loans
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
Report Card
AMERICAN PORTFOLIO MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 23 metro areas · 27 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$321,824
Average Borrower Income
$131,517
Average Property Value
$382,395
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 1,437 | 49.7% | +0.462% | $3,344 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 1,220 | 42.2% | +0.671% | $3,059 |
VA Loans | Sound | Strong | Acceptable | Strong | 190 | 6.6% | -0.197% | $3,185 |
Jumbo Loans | Sound | Strong | N/A | Sound | 39 | 1.3% | +0.364% | $3,880 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 2,707 | 93.5% | +0.492% | $3,281 |
Refinance | Acceptable | Strong | Mediocre | Sound | 187 | 6.5% | +0.474% | $2,959 |
Geographic Coverage
Metro Areas
22
States Served
27
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACODCDEFLIAILINKSLAMDMIMNMONCNMNVOKPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Dallas, TXMSA
Volume: 1,083Mix: 37.42%
Place Specialization
Exceptional
2
Fort Worth, TXMSA
Volume: 436Mix: 15.07%
Place Specialization
Exceptional
3
Sherman, TXMSA
Volume: 52Mix: 1.80%
Place Specialization
Strong
4
Lake County, INMSA
Volume: 100Mix: 3.46%
Place Specialization
Strong
5
El Paso, TX, TXMSA
Volume: 114Mix: 3.94%
Place Specialization
Strong
6
Chicago, ILMSA
Volume: 264Mix: 9.12%
Place Specialization
Strong
7
Huntsville, AL, ALMSA
Volume: 76Mix: 2.63%
Place Specialization
Strong
8
St. Joseph, MO, MO-KSMSA
Volume: 29Mix: 1.00%
Place Specialization
Strong
9
Oklahoma City, OK, OKMSA
Volume: 62Mix: 2.14%
Place Specialization
Strong
10
Elgin, IL, ILMSA
Volume: 30Mix: 1.04%
Place Specialization
Sound
Showing 10 of 22 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,954Mix: 67.52%
Place Specialization
Exceptional
2
ILState
Volume: 346Mix: 11.96%
Place Specialization
Strong
3
ALState
Volume: 109Mix: 3.77%
Place Specialization
Strong
4
OKState
Volume: 81Mix: 2.80%
Place Specialization
Strong
5
INState
Volume: 104Mix: 3.59%
Place Specialization
Sound
6
VAState
Volume: 49Mix: 1.69%
Place Specialization
Sound
7
MIState
Volume: 46Mix: 1.59%
Place Specialization
Sound
8
FLState
Volume: 65Mix: 2.25%
Place Specialization
Sound
9
MOState
Volume: 33Mix: 1.14%
Place Specialization
Sound
10
LAState
Volume: 21Mix: 0.73%
Place Specialization
Sound
Showing 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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