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AMERICAN PACIFIC MORTGAGE CORPORATION
Independent Mortgage Company|Sacramento, CA|National
Loans Originated
17,767
Applications
24,113
Volume
$6 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.552%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,289
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.7%
Percentage of applications that result in closed loans
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)
Report Card
AMERICAN PACIFIC MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 47 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$375,429
Average Borrower Income
$139,620
Average Property Value
$474,613
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% | $4,058 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 5,171 | 29.1% | +0.818% | $5,016 |
VA Loans | Sound | Exceptional | Mediocre | Strong | 1,680 | 9.5% | -0.035% | $4,495 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 310 | 1.7% | +0.598% | $2,601 |
USDA Loans | Sound | Exceptional | Mediocre | Strong | 317 | 1.8% | +0.590% | $3,140 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 16,032 | 90.2% | +0.564% | $4,329 |
Refinance | Sound | Exceptional | Mediocre | Strong | 1,735 | 9.8% | +0.457% | $3,976 |
Geographic Coverage
Metro Areas
49
States Served
47
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Redding, CA, CAMSA
Volume: 167Mix: 0.94%
Place Specialization
Exceptional
2
San Angelo, TX, TXMSA
Volume: 208Mix: 1.17%
Place Specialization
Exceptional
3
Kenosha, WI, WIMSA
Volume: 130Mix: 0.73%
Place Specialization
Exceptional
4
Yakima, WA, WAMSA
Volume: 200Mix: 1.13%
Place Specialization
Exceptional
5
Modesto, CA, CAMSA
Volume: 232Mix: 1.31%
Place Specialization
Exceptional
6
Chicago, ILMSA
Volume: 1,346Mix: 7.58%
Place Specialization
Exceptional
7
Everett, WA, WAMSA
Volume: 289Mix: 1.63%
Place Specialization
Exceptional
8
Naples, FLMSA
Volume: 171Mix: 0.96%
Place Specialization
Exceptional
9
Lake County, IL, ILMSA
Volume: 177Mix: 1.00%
Place Specialization
Exceptional
10
Lake Havasu City, AZMSA
Volume: 145Mix: 0.82%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 1,783Mix: 10.04%
Place Specialization
Exceptional
2
ILState
Volume: 2,009Mix: 11.31%
Place Specialization
Exceptional
3
CAState
Volume: 3,541Mix: 19.93%
Place Specialization
Exceptional
4
AZState
Volume: 1,160Mix: 6.53%
Place Specialization
Exceptional
5
ORState
Volume: 570Mix: 3.21%
Place Specialization
Exceptional
6
GAState
Volume: 831Mix: 4.68%
Place Specialization
Strong
7
TNState
Volume: 600Mix: 3.38%
Place Specialization
Strong
8
IDState
Volume: 502Mix: 2.83%
Place Specialization
Strong
9
FLState
Volume: 1,314Mix: 7.40%
Place Specialization
Strong
10
TXState
Volume: 1,170Mix: 6.59%
Place Specialization
Strong
Showing 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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