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 score and performance metrics.

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 an overall pricing score of 13.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is American Pacific Mortgage Corporation?

American Pacific Mortgage Corporation is a Independent Mortgage Company headquartered in Sacramento, CA.

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American Pacific Mortgage Corporation

Independent Mortgage Company•Sacramento, CAHQ•Direct•Reviews near you on Google

American Pacific Mortgage Corporation's 17.8k closed loans and 24k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

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

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+55.2 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 10% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 10% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Exceptional	Mediocre	Strong	10,289	57.9%	+0.522%Above	$4,058Fees
FHA Loans	Strong	Exceptional	Mediocre	Exceptional	5,171	29.1%	+0.818%Above	$5,016Fees
VA Loans	Sound	Exceptional	Mediocre	Strong	1,680	9.5%	-0.035%Below	$4,495Fees
Jumbo Loans	Sound	Exceptional	Mediocre	Sound	310	1.7%	+0.598%Above	$2,601Fees
USDA Loans	Sound	Exceptional	Mediocre	Strong	317	1.8%	+0.590%Above	$3,140Fees

Conventional

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume10,289

Mix57.9%

Spread

+0.522%Above

Fees

$4,058Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume5,171

Mix29.1%

Spread

+0.818%Above

Fees

$5,016Fees

VA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume1,680

Mix9.5%

Spread

-0.035%Below

Fees

$4,495Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Sound

Volume310

Mix1.7%

Spread

+0.598%Above

Fees

$2,601Fees

USDA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume317

Mix1.8%

Spread

+0.590%Above

Fees

$3,140Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Mediocre	Strong	16,032	90.2%	+0.564%Above	$4,329Fees
Refinance	Sound	Exceptional	Mediocre	Strong	1,735	9.8%	+0.457%Above	$3,976Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume16,032

Mix90.2%

Spread

+0.564%Above

Fees

$4,329Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume1,735

Mix9.8%

Spread

+0.457%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast5

MEMANHNJPA

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© inderwadhwa · CC BY-SA 3.0

Redding, CAMetro

Volume 167Mix 0.94% of portfolio

97/100

Exceptional

2© Larry D. Moore · CC BY 4.0

San Angelo, TXMetro

Volume 208Mix 1.17% of portfolio

94/100

Exceptional

3© Michael Barera · CC BY-SA 4.0

Kenosha, WIMetro

Volume 130Mix 0.73% of portfolio

90/100

Exceptional

Yakima, WAMetro

Volume 200Mix 1.13% of portfolio

89/100

Exceptional

Modesto, CAMetro

Volume 232Mix 1.31% of portfolio

88/100

Exceptional

Chicago, ILMetro

Volume 1,346Mix 7.58% of portfolio

86/100

Exceptional

Everett, WAMetro

Volume 289Mix 1.63% of portfolio

86/100

Exceptional

Naples, FLMetro

Volume 171Mix 0.96% of portfolio

86/100

Exceptional

Lake County, ILMetro

Volume 177Mix 1.00% of portfolio

85/100

Exceptional

Lake Havasu City, AZMetro

Volume 145Mix 0.82% of portfolio

84/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

WashingtonState

Volume 1,783Mix 10.04% of portfolio

91/100

Exceptional

IllinoisState

Volume 2,009Mix 11.31% of portfolio

88/100

Exceptional

CaliforniaState

Volume 3,541Mix 19.93% of portfolio

85/100

Exceptional

ArizonaState

Volume 1,160Mix 6.53% of portfolio

82/100

Exceptional

OregonState

Volume 570Mix 3.21% of portfolio

81/100

Exceptional

GeorgiaState

Volume 831Mix 4.68% of portfolio

77/100

Strong

TennesseeState

Volume 600Mix 3.38% of portfolio

76/100

Strong

IdahoState

Volume 502Mix 2.83% of portfolio

76/100

Strong

FloridaState

Volume 1,314Mix 7.40% of portfolio

76/100

Strong

TexasState

Volume 1,170Mix 6.59% of portfolio

76/100

Strong

Showing 10 of 41 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.