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American Pacific Mortgage Corporation
Independent Mortgage Company•Sacramento, CA•Direct to Consumer
American Pacific Mortgage's 17.8k closed loans and 24k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 55 basis points above market average
- Higher than average fees ($4,289)
Explore another lender or local market
Report Card
American Pacific Mortgage Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +55.2 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 10% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 10% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 10% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 10,289 | 57.9% | +0.522%Above | $4,058Fees | ||||
FHA Loans | 5,171 | 29.1% | +0.818%Above | $5,016Fees | ||||
VA Loans | 1,680 | 9.5% | -0.035%Below | $4,495Fees | ||||
Jumbo Loans | 310 | 1.7% | +0.598%Above | $2,601Fees | ||||
USDA Loans | 317 | 1.8% | +0.590%Above | $3,140Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 16,032 | 90.2% | +0.564%Above | $4,329Fees | ||||
Refinance | 1,735 | 9.8% | +0.457%Above | $3,976Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
17,767
Applications
24,113
Volume
$6 billion
Pricing & Closing
Avg Rate Spread
+0.552%
vs. market APOR
Avg Net Fees
$4,289
Origination − Credits
Pullthrough Rate
73.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$375,429
Avg Borrower Income
$139,620
Avg Property Value
$474,613
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
47
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Redding, CA, CAMSA
Volume: 167Mix: 0.94%of portfolio
Place
Exceptional2
San Angelo, TX, TXMSA
Volume: 208Mix: 1.17%of portfolio
Place
Exceptional3
Kenosha, WI, WIMSA
Volume: 130Mix: 0.73%of portfolio
Place
Exceptional4
Yakima, WA, WAMSA
Volume: 200Mix: 1.13%of portfolio
Place
Exceptional5
Modesto, CA, CAMSA
Volume: 232Mix: 1.31%of portfolio
Place
Exceptional6
Chicago, ILMSA
Volume: 1,346Mix: 7.58%of portfolio
Place
Exceptional7
Everett, WA, WAMSA
Volume: 289Mix: 1.63%of portfolio
Place
Exceptional8
Naples, FLMSA
Volume: 171Mix: 0.96%of portfolio
Place
Exceptional9
Lake County, IL, ILMSA
Volume: 177Mix: 1.00%of portfolio
Place
Exceptional10
Lake Havasu City, AZMSA
Volume: 145Mix: 0.82%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 1,783Mix: 10.04%of portfolio
Place
Exceptional2
ILState
Volume: 2,009Mix: 11.31%of portfolio
Place
Exceptional3
CAState
Volume: 3,541Mix: 19.93%of portfolio
Place
Exceptional4
AZState
Volume: 1,160Mix: 6.53%of portfolio
Place
Exceptional5
ORState
Volume: 570Mix: 3.21%of portfolio
Place
Exceptional6
GAState
Volume: 831Mix: 4.68%of portfolio
Place
Strong7
TNState
Volume: 600Mix: 3.38%of portfolio
Place
Strong8
IDState
Volume: 502Mix: 2.83%of portfolio
Place
Strong9
FLState
Volume: 1,314Mix: 7.40%of portfolio
Place
Strong10
TXState
Volume: 1,170Mix: 6.59%of portfolio
Place
StrongShowing 10 of 41 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.