# AMERICAN PACIFIC MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/american-pacific-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


AMERICAN PACIFIC MORTGAGE CORPORATION is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers nationwide, with 17,767 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300KIOYNU323LVJ37
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** National
- **States Served:** 47
- **State List:** AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.4%
- **Brokered/Wholesale:** 0.6%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.552%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,289
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 17,767
- **Dollar Volume:** $6.7 billion
- **Applications Received:** 24,113
- **Market Share:** 50.00%

## Typical Borrower Profile

- **Average Loan Amount:** $375,429
- **Average Borrower Income:** $139,620
- **Average Property Value:** $474,613

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 90/100 | 10,289 | +0.522% | $4,058 | Exceptional 🤩 |
| FHA | 92/100 | 5,171 | +0.818% | $5,016 | Exceptional 🤩 |
| VA | 89/100 | 1,680 | -0.035% | $4,495 | Exceptional 🤩 |
| Jumbo | 84/100 | 310 | +0.598% | $2,601 | Exceptional 🤩 |
| USDA | 93/100 | 317 | +0.590% | $3,140 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 9,082 loans, Score: 91/100 (Exceptional)
- Refinance: 1,207 loans, Score: 83/100 (Exceptional)

**FHA:**
- Purchase: 4,779 loans, Score: 92/100 (Exceptional)
- Refinance: 392 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 1,576 loans, Score: 88/100 (Exceptional)
- Refinance: 104 loans, Score: 81/100 (Exceptional)

**Jumbo:**
- Purchase: 278 loans, Score: 85/100 (Exceptional)
- Refinance: 32 loans, Score: 80/100 (Strong)

**USDA:**
- Purchase: 317 loans, Score: 93/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 92/100 | 16,032 | $6.0B | +0.564% | Exceptional 🤩 |
| Refinance | 82/100 | 1,735 | $641M | +0.457% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 3,541 | 1.24% | 85/100 |
| IL | 2,009 | 1.61% | 88/100 |
| WA | 1,783 | 2.10% | 91/100 |
| FL | 1,314 | 0.45% | 76/100 |
| TX | 1,170 | 0.33% | 76/100 |
| AZ | 1,160 | 1.17% | 82/100 |
| GA | 831 | 0.60% | 77/100 |
| TN | 600 | 0.66% | 76/100 |
| OR | 570 | 1.34% | 81/100 |
| ID | 502 | 1.88% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 2,098 | 80/100 |
| Chicago | IL | 1,346 | 86/100 |
| Sacramento | CA | 700 | 83/100 |
| Phoenix | AZ | 487 | 74/100 |
| Portland | OR-WA | 403 | 78/100 |
| Cape Coral | FL | 397 | 84/100 |
| Oakland | CA | 382 | 82/100 |
| St. Louis, MO | MO-IL | 359 | 77/100 |
| Atlanta | GA | 348 | 73/100 |
| Cincinnati, OH |  | 315 | 78/100 |
| Boise City, ID | ID | 306 | 76/100 |
| Seattle | WA | 305 | 77/100 |
| Tucson, AZ | AZ | 293 | 79/100 |
| Everett, WA | WA | 289 | 86/100 |
| Nashville | TN | 270 | 75/100 |

## Where This Lender Ranks

AMERICAN PACIFIC MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Duluth, MN for USDA Loans
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Duluth, MN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/duluth-mn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Wyoming for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Grand Rapids for USDA Loans
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Grand Rapids for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Wyoming for USDA Loans
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in San Francisco for FHA Loans
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in San Francisco for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Waterloo for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Idaho for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Lake Havasu City for USDA Loans
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Lake Havasu City for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Greenville for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Waterloo Mortgage Companies
  - [View Full Rankings](https://saferate.com/waterloo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Napa, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Napa, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/napa-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Sierra Vista for USDA Loans
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Sierra Vista for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sierra-vista/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Laredo, TX for VA Loans
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Laredo, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does AMERICAN PACIFIC MORTGAGE CORPORATION offer?

AMERICAN PACIFIC MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does AMERICAN PACIFIC MORTGAGE CORPORATION offer mortgages?

AMERICAN PACIFIC MORTGAGE CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are AMERICAN PACIFIC MORTGAGE CORPORATION's mortgage rates?

AMERICAN PACIFIC MORTGAGE CORPORATION has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.552% above market average.

### What type of lender is AMERICAN PACIFIC MORTGAGE CORPORATION?

AMERICAN PACIFIC MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is AMERICAN PACIFIC MORTGAGE CORPORATION's loan approval success rate?

AMERICAN PACIFIC MORTGAGE CORPORATION has a pull-through score of 84/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-pacific-mortgage

### How to Cite

> "AMERICAN PACIFIC MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-pacific-mortgage

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