American Pacific Mortgage
- Company typePrivate
- Founded1996
- HeadquartersRoseville, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
American Pacific Mortgage firmographics
Firmographics- Name
- American Pacific Mortgage
- Legal name
- American Pacific Mortgage Corporation
- Website
- https://apmortgage.com
- Company type
- Private
- Founded year
- 1996
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
American Pacific Mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Consumer Direct / Online Mortgage Origination (FSALAAAB)
- akta.pro secondary industries
- Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Jumbo / Non-Conforming Mortgage Origination (FSALAAAH), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)
Keywords
Where American Pacific Mortgage is headquartered
LocationHeadquarters
- HQ city
- Roseville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
American Pacific Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Mortgage Origination: APM originates mortgage loans for home purchases and refinances, generating revenue through origination fees charged at closing and the interest spread between the rate charged to borrowers and the rate at which loans are sold into the secondary market.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
American Pacific Mortgage product offering
Product offeringCore offering
American Pacific Mortgage is a retail mortgage lender that originates home purchase loans and refinance loans for individual consumers. The company offers a comprehensive product suite including conventional, FHA, VA, USDA, jumbo, construction, bridge, HELOC, reverse mortgage (HECM), and non-QM financing, distributed through a nationwide network of 300+ branch locations and digital channels.
Product overview
American Pacific Mortgage offers a comprehensive mortgage lending platform with a diverse portfolio of home financing products. The core offering includes purchase mortgages (conventional, FHA, VA, USDA), refinance options, and specialized loan programs. The company has expanded through the Synergy One Lending merger to become a $14 billion annual loan production platform. Notable specialized products include the STaR Loan Program for public servants, Doctor Loan Program for medical professionals, 1% Home low down payment program, and Non-QM financing for non-traditional borrowers. Digital tools include the APM Mobile App and Loan Calculators. Construction loans use a two-time closing process, while reverse mortgages (HECM) serve homeowners 62+. The company operates across all 50 states with 300+ locations nationwide and has achieved over $143 billion in loans funded all-time.
Differentiator
Problem solved
Functional benefit
Products and services
- Home Purchase Loans
Quantifiable outcome
- $143+ billion in total loans funded over the company's lifetime
- +3 more outcomes
Companies that use American Pacific Mortgage
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles6 records
American Pacific Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
American Pacific Mortgage partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Synergy One LendingcoreAmerican Pacific Mortgage and Synergy One Lending announced a merger to create a retail mortgage platform with approximately $14 billion in annual loan production. Synergy One Lending will operate as a division within APM, with key leadership roles being filled by Synergy One's CEO. The merger aims to expand product offerings and technological investment.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
American Pacific Mortgage competitors and assessment
Company assessmentDirect peers
- Guild Mortgage: Retail-focused mortgage lender with a national branch network and strong specialty programs (jumbo, government, renovation), directly comparable to APM's retail and specialty positioning.
- PrimeLending: National retail mortgage originator with multi-channel distribution and a full product suite including purchase, refinance, renovation, and government loans, comparable to APM's product breadth.
- NewRez (Rithm Capital): National mortgage originator and servicer offering retail, wholesale, and non-QM products, directly comparable to APM's retail and specialty origination strategy.
- Caliber Home Loans: Large retail and wholesale mortgage originator with a diversified product platform including non-QM, comparable to APM's mix of conventional and specialty loan programs.
- loanDepot: Large retail and direct-to-consumer mortgage lender offering purchase, refinance, HELOC, and specialty products through a hybrid branch and digital model, directly comparable to APM's retail focus and product breadth.
- Movement Mortgage: Top U.S. retail mortgage lender operating through a large branch network with focus on purchase originations and community-driven branding, directly comparable to APM's retail branch strategy.
- Fairway Independent Mortgage Corporation: Mid-to-large retail mortgage lender with a national branch footprint and broad product menu including conventional, government, and non-QM, closely mirroring APM's 300+ branch retail model.
Broad incumbents
- United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender whose broker channel competes indirectly with retail lenders like APM for the same purchase borrower demand pool.
- Pennymac Financial Services: Top-five U.S. mortgage originator with major retail, wholesale, and servicing operations; comparable broad mortgage platform though more servicing-heavy than APM.
- Rocket Mortgage (Rocket Companies): Largest U.S. retail mortgage lender with dominant direct-to-consumer digital brand and full product suite; competes with APM in retail purchase and refinance but at materially larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
American Pacific Mortgage social profiles
Digital presenceAmerican Pacific Mortgage compliance and trust
Trust signalCompliance4 records
American Pacific Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
American Pacific Mortgage leadership team
Management profileNumber of profiles
Profiles8 records
American Pacific Mortgage subsidiaries and ownership
Company hierarchySubsidiaries1 record
American Pacific Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
American Pacific Mortgage M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about American Pacific Mortgage
What does American Pacific Mortgage do?
American Pacific Mortgage is a retail mortgage lender that originates home purchase loans and refinance loans for individual consumers. The company offers a comprehensive product suite including conventional, FHA, VA, USDA, jumbo, construction, bridge, HELOC, reverse mortgage (HECM), and non-QM financing, distributed through a nationwide network of 300+ branch locations and digital channels.
Is American Pacific Mortgage a public or private company?
American Pacific Mortgage is a private company. It is classified as management employee owned and is currently operating.
When was American Pacific Mortgage founded?
American Pacific Mortgage was founded in 1996. It employs 1 to 10 people.
Where is American Pacific Mortgage based?
American Pacific Mortgage is headquartered in Roseville, United States, in the North America region.
How does American Pacific Mortgage make money?
One revenue line is on record: mortgage Origination.
Who are American Pacific Mortgage's main competitors?
Direct peers on record are Guild Mortgage, PrimeLending, NewRez (Rithm Capital), Caliber Home Loans, loanDepot, Movement Mortgage and Fairway Independent Mortgage Corporation. Broad incumbents are United Wholesale Mortgage (UWM), Pennymac Financial Services and Rocket Mortgage (Rocket Companies).
Does American Pacific Mortgage have an API?
No public API is recorded for American Pacific Mortgage.
What industry is American Pacific Mortgage in?
American Pacific Mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAB, Consumer Direct / Online Mortgage Origination, with a secondary code of FSALAAAD, Purchase Mortgage Origination (Homebuyer Focused). Its SIC code is 6162.