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Mortgage Prequalification vs. Preapproval During the Home Loan Process Annual percentage yield APR The annual cost of a loan to a borrower. This change would allow a unified brand through the company and simplify advertising. The warehouse lending division was a profit center and did not contribute to the bank's downfall. Louis, Missouribank of america mortgage louisville ky. ByNational City was the sixth-largest mortgage lender in the country. Like an interest rate, an APR is expressed as a percentage. We offer a wide range of loan options beyond the scope of this calculator, which is designed to provide results for the most popular loan scenarios.