What AMC Mortgage does

AMC Mortgage, legally incorporated as Associated Mortgage Corporation, is a privately held mortgage lending company founded in 1992 and headquartered in Tulsa, Oklahoma. The company originates residential mortgage loans for homebuyers, existing homeowners, and first-time buyers across Oklahoma, Texas, and Arkansas through a network of loan officers operating out of 10-plus physical branch locations. Its product suite spans fixed-rate mortgages, adjustable-rate mortgages, FHA, VA, USDA, and conventional loans, alongside refinancing and construction lending. The company operates a sub-brand, Cityscape Mortgage, serving the Choctaw, Oklahoma market, and holds multiple NMLS branch licenses (primary NMLS# 182383).

The business is a sales-led, relationship-driven mortgage originator. Revenue is generated through mortgage origination fees, interest income on loans closed, and participation in the secondary mortgage market; pricing (rates and fees) is not publicly disclosed and varies by borrower credit profile, loan terms, and market conditions. Go-to-market combines direct loan-officer engagement (borrowers connect by location or name via the website), a self-service online application portal (apply.amcmtg.com) with document upload, and a preferred-builder referral channel concentrated in Texas.

Technology is limited to an online mortgage application portal with document-upload capability and a set of consumer-facing calculators (payment, borrowing power, and comparison). Payment collection is handled through a third-party platform, SmartPay (ProfitStars). The company reports no proprietary technology, no mobile app, and no AI/ML capabilities. Leadership consists of Owner/CEO Jeff Allen, President Micah Macias, CFO Kathy Phipps, and a bench of VP-level operators covering compliance, fulfillment, operations, and sales. Headcount is in the 101-250 range with a network of over 50 loan officers, and the company carries a 4.8/5 Google rating across 248 reviews.

Name

AMC Mortgage

Legal name

Associated Mortgage Corporation

Website

https://amcmtg.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

AMC Mortgage (Associated Mortgage Corporation) is a Tulsa-based mortgage originator founded in 1992, providing fixed-rate, ARM, FHA, VA, USDA, conventional, refinancing, and construction loans to homebuyers and homeowners across Oklahoma, Texas, and Arkansas via branch offices and loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Consumer Direct / Online Mortgage Origination (FSALAAAB), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Residential mortgage lending
• Home purchase financing
• Mortgage refinancing
• Construction lending
• Government-backed loans

Headquarters

HQ city

Tulsa

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Mortgage Origination: AMC Mortgage generates revenue through originating mortgage loans for homebuyers. The company earns origination fees and interest income from loans closed. They also participate in the secondary mortgage market.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

AMC Mortgage originates residential mortgage loans for individual homebuyers and homeowners across Oklahoma, Texas, and Arkansas. Its core offering includes fixed-rate and adjustable-rate mortgages, FHA, VA, USDA, and conventional loans, plus mortgage refinancing and construction lending. Customers are served through direct loan-officer relationships at branch offices, supported by an online application portal with document upload.

Product overview

AMC Mortgage is a mortgage lending company offering a comprehensive suite of mortgage products and services across Arkansas, Oklahoma, and Texas. The core offerings include fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, USDA loans, and conventional loans, along with refinancing options and construction lending. The company provides digital tools including three loan calculators (Payment, Borrowing Power, and Comparison), an online application portal with document upload, and a mortgage professional matching service. AMC Mortgage operates under a sub-brand called Cityscape Mortgage in Oklahoma and provides educational resources like The Homebuyer's Guide in multiple languages. The company was founded in 1992 and maintains locations across three states with a network of over 50 loan officers.

Differentiator

Problem solved

Functional benefit

Brands

• Cityscape Mortgage: A branch of AMC Mortgage community offering home mortgage services.

Products and services

• Fixed-Rate Mortgages Traditional residential mortgage loans with a constant interest rate across the entire loan term, providing predictable monthly payments for homebuyers and refinancing homeowners.
• Adjustable-Rate Mortgages (ARMs) Mortgages with an initial fixed-rate period followed by periodic rate adjustments tied to a market index, typically offering lower initial rates than fixed-rate products.
• FHA Loans Federal Housing Administration-insured mortgage loans targeted at first-time homebuyers and borrowers with less-than-perfect credit, allowing down payments as low as 3.5%.
• VA Loans Veterans Affairs-backed mortgage loans for eligible veterans, active-duty service members, and their families, often with 0% down payment options.
• USDA Loans United States Department of Agriculture mortgage loans for qualifying homes in rural areas, offering 0% down payment options for eligible buyers.
• Conventional Loans Standard mortgage loans not insured by a government agency, typically requiring higher credit scores and down payments of 3-20%.
• Mortgage Refinancing Refinancing options for existing homeowners to replace their current mortgage with a new loan, enabling rate reduction, term change, or cash-out access to home equity.
• Construction Lending Specialized financing for residential construction projects, including ground-up builds and construction-to-permanent loans, managed by the Director of Construction Lending.
• Cityscape Mortgage A sub-brand branch of AMC Mortgage that operates as a separate entity with its own branch manager and dedicated mortgage professionals, serving the Choctaw, Oklahoma market.
• Online Mortgage Application and Document Upload Digital self-service portal allowing prospective borrowers to start and submit a mortgage application and upload required supporting documents remotely.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Seven partnerships are on record, tiered minor.

• 111 HomesminorChannel Partner/ Reseller/ DistributorTexas-based home builder with preferred status in AMC Mortgage's builder network. Refer buyers to AMC for mortgage financing when purchasing new construction homes.
• 712 HomesminorChannel Partner/ Reseller/ DistributorTexas-based home builder partnership providing financing incentives for buyers of new construction homes through AMC Mortgage.
• B&M Amarillo HomesminorChannel Partner/ Reseller/ DistributorAmarillo, Texas home builder with preferred builder status, referring homebuyers to AMC Mortgage for financing.
• Betenbough HomesminorChannel Partner/ Reseller/ DistributorTexas-based home builder with preferred status offering financing incentives for AMC Mortgage customers purchasing new homes.
• BluehavenminorChannel Partner/ Reseller/ DistributorTexas home builder partner providing new construction home options for AMC Mortgage customers with preferred financing terms.
• Christie HomesminorChannel Partner/ Reseller/ DistributorTexas-based home builder with preferred builder relationship, channeling new home buyers to AMC Mortgage for financing solutions.
• N&B HomesminorChannel Partner/ Reseller/ DistributorPreferred home builder partner in Texas offering new construction opportunities with financing through AMC Mortgage's preferred builder program.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• NewRez (formerly Caliber Home Loans): National nonbank mortgage originator and servicer with retail, wholesale, and correspondent channels; competes with AMC for the same homebuyers in overlapping geographies.
• PrimeLending: PlainsCapital Bank-owned retail mortgage originator with a multi-state branch network focused on purchase and refinance lending; directly comparable to AMC in footprint and product set.
• Movement Mortgage: Privately-held, retail-focused mortgage lender with a strong regional branch presence and community-oriented model that closely mirrors AMC's relationship-driven approach.
• Gateway Mortgage (now part of Homepoint): Regional retail mortgage lender with strong presence in the South and Midwest, offering a comparable mix of conventional and government loan products to AMC.
• Guild Mortgage: Mid-large retail mortgage lender with a multi-state branch network and full product suite including government and construction lending; a direct peer for a regional player like AMC.
• Fairway Independent Mortgage Corporation: Large privately-held retail mortgage lender operating across multiple U.S. states through a branch network of loan officers, very similar in model, product mix, and culture to AMC Mortgage.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage originator and the dominant direct-to-consumer brand; competes with AMC for the same homebuyers in OK/TX/AR, with vastly greater technology and marketing spend.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender; while primarily wholesale, its TPO platform competes indirectly for the same borrower pipeline and influences margin economics for retail lenders like AMC.
• loanDepot: Large national nonbank lender with retail, wholesale, and consumer direct channels; competes with AMC across products and geographies with a much larger balance sheet.

Emerging players

• Eagle Home Mortgage (a division of Lennar Mortgage): Builder-affiliated retail mortgage lender integrated with Lennar, the largest U.S. homebuilder; competes with AMC's preferred-builder channel for new-construction loan volume.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AMCMortgage
• LinkedInlinkedin.com/company/amcmortgage
• Instagraminstagram.com/amcmortgage

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AMC Mortgage