American Pacific Mortgage

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

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

• Retail mortgage lending
• Home purchase loans
• Mortgage refinancing
• VA loan programs
• Home equity financing

Headquarters

HQ city

Roseville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. 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

Core 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

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Synergy One LendingcoreStrategic or Co-development Partner · 12 June 2026American 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

Direct 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

• Xx.com/AP_Mortgage
• Facebookfacebook.com/americanpacificmortgage
• LinkedInlinkedin.com/company/american-pacific-mortgage
• Instagraminstagram.com/ap_mortgage

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Pacific Mortgage