Applications / Mortgage Analytics / Lenders / Illinois / American Portfolio Mortgage
Palatine, IL · Independent non-bank lender · CFPB · 2,955 loans in 2025
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2,955
loans originated, 2025
4,005
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Portfolio Mortgage, a non-bank lender based in Palatine, Illinois that does most of its business in Texas, has shifted since 2020 toward loans insured by the Federal Housing Administration, which now make up two-fifths of its lending.
Loans insured by the Federal Housing Administration (FHA) made up 40.0% of its 2,955 loans in 2025, up from 15.4% in 2020. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, put 23.2% of theirs into FHA loans. Home purchases were 89.4% of its loans.
It made 29.8% of its loans in low- and moderate-income (LMI) neighborhoods, against 19.2% at similar lenders, more than about nine in ten of them. Majority-minority neighborhoods received 49.0%, up from 16.5% in 2020. The shift may reflect where it lends: Texas is its main state, and it entered El Paso in 2023.
It ranked 22 of 1,026 lenders in Dallas-Fort Worth-Arlington and 21 of 332 in El Paso, where its share rose to 1.2% from 1.1%. It entered Laredo in 2025.
Its loans fell 4% in 2025, while similar lenders' rose 12% and the whole market grew 10%. That followed a jump from 1,350 loans in 2023 to 3,081 in 2024, so it kept most of that gain.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Portfolio Mortgage took 4,005 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.4% · Refinance 10.5% · Other 0.0%
Conventional 53.0% · FHA 40.0% · VA 6.5% · USDA (RHS or FSA) 0.4% · of 2,955 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,153 | 72.9% |
| Illinois | 171 | 5.8% |
| Virginia | 119 | 4.0% |
| Indiana | 117 | 4.0% |
| Florida | 102 | 3.5% |
| Oklahoma | 88 | 3.0% |
| Missouri | 56 | 1.9% |
| Nevada | 25 | 0.8% |
| Arizona | 14 | 0.5% |
| Alabama | 13 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 1,171 |
| Fort Worth-Arlington-Grapevine | 433 |
| El Paso | 158 |
| Chicago-Naperville-Schaumburg | 144 |
| Lake County-Porter County-Jasper County | 106 |
| Arlington-Alexandria-Reston | 96 |
| Oklahoma City | 70 |
| Sherman-Denison | 66 |
| Houston-Pasadena-The Woodlands | 64 |
| Orlando-Kissimmee-Sanford | 36 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BBKMRS6J0CB539 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4325493 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7364078960 |
Established date not on record. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: American Portfolio Mortgage's data.
American Portfolio Mortgage's data
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