Amcap Mortgage, Ltd. mortgage approval rate & lending review
Amcap Mortgage, Ltd. decided 6,766 mortgage applications and funded 6,085 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Amcap Mortgage, Ltd. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to amcapmortgage.com.
Amcap Mortgage, Ltd. at a glance
Approval is 3.7 points above the 86.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 5,463 / 6,001 | 100% | $295K | 5,448 |
| Cash-out refinance | 78% | 138 / 178 | 99% | $215K | 137 |
| Refinance | 82% | 214 / 260 | 100% | $345K | 214 |
| Investment property purchase | 87% | 214 / 245 | 100% | $195K | 213 |
| Investment cash-out refinance | 86% | 51 / 59 | 100% | $175K | 51 |
Amcap Mortgage, Ltd. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $295K | 4,969 | 4,486 |
| Florida | 87% | $435K | 443 | 387 |
| New Mexico | 92% | $185K | 278 | 257 |
| Colorado | 96% | $325K | 145 | 138 |
| Idaho | 95% | $305K | 123 | 117 |
| Oklahoma | 93% | $235K | 118 | 110 |
| Arizona | 87% | $305K | 104 | 89 |
| Washington | 81% | $385K | 89 | 72 |
| California | 85% | $545K | 74 | 62 |
| Louisiana | 83% | $195K | 58 | 48 |
| Ohio | 93% | $145K | 54 | 50 |
| Tennessee | 87% | $235K | 52 | 45 |
| Pennsylvania | 100% | $225K | 48 | 48 |
| Missouri | 88% | $175K | 34 | 30 |
| Arkansas | 78% | $175K | 23 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Amcap Mortgage, Ltd. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Mortgage lenders | 91% | 961 | 874 |
| Harris County, TX | Mortgage lenders | 90% | 702 | 631 |
| Tarrant County, TX | Mortgage lenders | 91% | 277 | 249 |
| Hidalgo County, TX | Mortgage lenders | 85% | 265 | 225 |
| San Juan County, NM | Mortgage lenders | 94% | 210 | 197 |
| Fort Bend County, TX | Mortgage lenders | 89% | 195 | 173 |
| Randall County, TX | Mortgage lenders | 96% | 176 | 169 |
| Ector County, TX | Mortgage lenders | 94% | 140 | 131 |
| Brazoria County, TX | Mortgage lenders | 93% | 108 | 100 |
| Galveston County, TX | Mortgage lenders | 93% | 104 | 96 |
| Potter County, TX | Mortgage lenders | 92% | 97 | 89 |
| Canyon County, ID | Mortgage lenders | 95% | 80 | 76 |
The county markets where Amcap Mortgage, Ltd. made the most loans. Each link opens that market with every lender ranked.
Questions about Amcap Mortgage, Ltd.
What is Amcap Mortgage, Ltd.'s mortgage approval rate?
Amcap Mortgage, Ltd. approved 90.2% of the 6,766 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 86.5% national rate for the same mix of loan types.
How often do borrowers take the loan Amcap Mortgage, Ltd. offers?
Borrowers accepted 100% of the loans Amcap Mortgage, Ltd. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Amcap Mortgage, Ltd. make?
The typical home purchase mortgage loan Amcap Mortgage, Ltd. made was $295K; across all loan types its typical loan ran from $175K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Amcap Mortgage, Ltd. lend?
Amcap Mortgage, Ltd. decided applications in 38 of the states Fat Boy Data covers, most of them in Texas, Florida and New Mexico.
Can I apply to Amcap Mortgage, Ltd. directly?
Yes. Amcap Mortgage, Ltd. reports as a direct lender that takes applications from borrowers. Its website is amcapmortgage.com.
Does this page show Amcap Mortgage, Ltd.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Amcap Mortgage, Ltd. treats applications, then get a rate quote from the lender.