American Pacific Mortgage Roseville

What American Pacific Mortgage Roseville does

American Pacific Mortgage Roseville is a branch office of American Pacific Mortgage Corporation (APM), a private, employee-owned (ESOP) residential mortgage lender operating under NMLS #1850. The Roseville, CA branch operates from two physical locations — 2237 Douglas Blvd, Suite 100 and 3000 Lava Ridge Court, Suite 200 — and is staffed by a Branch Manager (JJ Mack) and 19 individually licensed loan advisors serving consumers in the greater Sacramento-Roseville market.

APM originates a comprehensive suite of residential mortgage products, including home purchase loans (first-time homebuyer, second home, investment, fixer-upper, condominium), refinance loans (rate, cash-out, debt consolidation, fixed-rate conversion), VA loans, jumbo loans, HELOC/home equity loans, Bridge-to-Buy transitional financing, and construction financing (including a Builder Advantage program). The underlying technology stack is a standard retail mortgage lending platform with a consumer-facing website, secure online application, document exchange, e-signature capability, application status tracking, and a suite of loan calculators; there is no disclosed proprietary AI/ML, no public API, and no mobile app.

The business model is transaction-based: APM earns origination fees and gain-on-sale economics on loans it originates and then sells or holds, with revenue tied directly to loan volume and mix across purchase and refinance. Distribution is hybrid — branch-led in-person advisory via 55+ branches across 11+ U.S. states (CA, AZ, CO, ID, OR, UT, WA, TX, NV, NM, MO) plus multi-state licensure (MA, NJ, RI) — layered with a digital direct-to-consumer acquisition funnel, content marketing, and social media presence (Facebook, LinkedIn, Instagram, X). Customer segments are horizontally diversified across first-time buyers, repeat buyers, refinancers, veterans, and construction borrowers, with no enterprise concentration.

Name

American Pacific Mortgage Roseville

Legal name

American Pacific Mortgage Corporation

Website

https://americanpacificmtg.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

American Pacific Mortgage Roseville is a branch of American Pacific Mortgage Corporation (NMLS #1850), a private ESOP residential mortgage lender operating 55+ branches across 11+ U.S. states. The Roseville branch originates purchase, refinance, VA, jumbo, HELOC, bridge, and construction loans for individual homebuyers and homeowners through licensed loan advisors and a digital application platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Mortgage lending services
• Home purchase loans
• Mortgage refinancing
• Home equity loans
• Construction financing

Headquarters

HQ city

Roseville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending: American Pacific Mortgage generates revenue through originating mortgage loans for home purchases, refinances, and construction. The company earns origination fees and interest income from loans originated and held or sold to investors. Revenue comes from both purchase mortgages and refinance transactions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

American Pacific Mortgage Roseville is a branch office of American Pacific Mortgage Corporation that originates residential mortgage loans for individuals and families. The branch offers home purchase mortgages, refinance products, VA loans, jumbo loans, HELOC, bridge loans, and construction financing, delivered through loan advisors supported by online application, document exchange, and e-signature tools. The Roseville branch operates within a multi-state branch network of 55+ locations under the American Pacific Mortgage Corporation umbrella.

Product overview

American Pacific Mortgage Roseville operates as a mortgage lending branch offering a unified suite of home financing products. The core offerings include home purchase mortgages (first-time buyer, second home, investment, fixer-upper, and condo loans), refinance products (rate reduction, cash-out, debt consolidation), and specialized products (VA loans, jumbo loans, HELOC, bridge financing, construction loans). Supporting these lending products is a digital platform featuring online mortgage applications, secure document exchange, e-signatures, and loan calculators. The company serves California and other states through loan advisors at the Roseville branch location.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Guild Mortgage: Guild Mortgage is a privately held retail mortgage lender with a multi-state branch footprint offering purchase, refinance, and government loan products. Its structure and product mix closely mirror APM's retail branch model.
• NewRez: NewRez (formerly New Penn Financial) is a national retail and wholesale mortgage lender offering conventional, government, and home equity products. It competes directly with APM across multiple states.
• Movement Mortgage: Movement Mortgage is an employee-owned (ESOP) retail mortgage lender with branches across multiple US states, very similar to APM's ownership structure and product focus on purchase and refinance lending.
• Cardinal Financial: Cardinal Financial is a privately held retail mortgage lender offering purchase and refinance products across multiple states. It is comparable to APM in branch-based retail origination focus and product breadth.
• Homebridge Financial Services: Homebridge is a privately held retail and wholesale mortgage lender with multi-state branch operations offering purchase, refinance, and renovation loans. It is comparable to APM in scale and channel mix.
• loanDepot: loanDepot is a national retail mortgage lender offering purchase and refinance products through both direct-to-consumer and branch channels. It is a direct competitor to APM's retail mortgage origination model.
• Caliber Home Loans: Caliber Home Loans is a privately held retail and wholesale mortgage originator offering purchase, refinance, and home equity products. It is a direct competitor to APM in the retail origination market.
• Rocket Mortgage: Rocket Mortgage is the largest US retail mortgage originator, offering purchase, refinance, and home equity products across all 50 states with a heavy digital focus. It competes directly with APM for retail borrower demand, particularly for refinance volume.

Emerging players

• Better.com: Better.com is a digital-first mortgage lender offering purchase and refinance loans directly to consumers online. It competes with APM for digitally native borrowers and represents the cost-structure alternative to APM's branch model.

Broad incumbents

• United Wholesale Mortgage: UWM is the largest US wholesale mortgage lender, providing funding through mortgage brokers rather than retail branches. As a major incumbent in the origination space, it shapes the competitive context APM operates in.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about American Pacific Mortgage Roseville