American Pacific Mortgage Corporation: 2025 mortgage rates, costs & approvals
How American Pacific Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: AMERICAN PACIFIC MORTGAGE CORPORATION · LEI 549300KIOYNU323LVJ37
In 2025, American Pacific Mortgage Corporation originated 20,671 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 50 states — 25th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 25 basis points above the national median. Median conventional loan costs were $6,990, 25% higher than the national median ($5,570).
It denied 6.9% of completed home-purchase applications (all lenders: 8.5%).
How American Pacific Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | American Pacific Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.39 pts | +0.13 pts |
| Total loan costs · conventional | $6,990 | $5,570 |
| Total loan costs · FHA | $13,550 | $11,310 |
| Total loan costs · VA | $10,320 | $6,490 |
| Origination charges (all types) | $4,030 | $1,860 |
| Borrowers paying discount points | 79.5% | 51.3% |
| Points paid, when paid (% of loan) | 1.01% | 0.87% |
| Borrowers receiving lender credits | 47.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why American Pacific Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where American Pacific Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 2,986 | 3,287 | 6.2% | 6.750% | $7,840 |
| Illinois | 2,205 | 2,398 | 6.1% | 6.875% | $6,610 |
| Texas | 1,753 | 1,925 | 6.8% | 6.625% | $8,500 |
| Washington | 1,645 | 1,765 | 4.9% | 6.750% | $8,230 |
| Florida | 1,465 | 1,674 | 10.6% | 6.875% | $8,530 |
| Arizona | 1,205 | 1,360 | 8.1% | 6.750% | $6,710 |
| Georgia | 1,165 | 1,305 | 9.2% | 6.750% | $7,830 |
| Ohio | 687 | 772 | 8.0% | 6.875% | $5,160 |
| Oregon | 668 | 708 | 4.3% | 6.750% | $7,160 |
| Tennessee | 663 | 717 | 5.9% | 6.625% | $7,070 |
| Wisconsin | 618 | 673 | 6.1% | 6.625% | $4,850 |
| Missouri | 566 | 607 | 5.9% | 6.625% | $4,540 |
| Idaho | 523 | 555 | 1.8% | 6.625% | $8,010 |
| Michigan | 492 | 532 | 6.9% | 6.625% | $6,140 |
| Indiana | 439 | 484 | 5.4% | 6.875% | $4,430 |
| Utah | 361 | 400 | 5.5% | 6.625% | $5,520 |
| South Carolina | 337 | 378 | 7.4% | 6.875% | $7,240 |
| Pennsylvania | 268 | 295 | 7.7% | 6.625% | $7,770 |
| Maryland | 255 | 293 | 10.2% | 6.750% | $8,720 |
| Iowa | 235 | 268 | 11.0% | 6.625% | $4,020 |
| Minnesota | 232 | 259 | 8.1% | 6.750% | $6,270 |
| Nevada | 211 | 226 | 5.8% | 6.625% | $7,290 |
| Virginia | 192 | 221 | 8.1% | 6.625% | $7,410 |
| North Carolina | 142 | 157 | 5.8% | 6.625% | $6,820 |
| Colorado | 134 | 147 | 6.3% | 6.875% | $6,590 |
| Alabama | 132 | 155 | 11.9% | 6.375% | $5,360 |
| Wyoming | 127 | 134 | 3.4% | 6.750% | $7,700 |
| New Mexico | 114 | 133 | 12.0% | 6.750% | $6,340 |
| West Virginia | 108 | 117 | 1.0% | 6.625% | $6,990 |
| Oklahoma | 98 | 113 | 3.6% | 6.875% | $4,710 |
| Louisiana | 92 | 99 | 5.4% | 6.875% | $4,860 |
| Delaware | 85 | 93 | 3.9% | 6.750% | $8,810 |
| South Dakota | 75 | 80 | 6.5% | 6.625% | $9,590 |
| Arkansas | 70 | 75 | 3.3% | — | — |
| Kansas | 63 | 72 | 10.2% | 6.750% | $3,820 |
| Kentucky | 62 | 74 | 16.7% | 6.990% | $5,250 |
| Montana | 38 | 47 | 5.3% | 6.875% | $10,060 |
| Hawaii | 33 | 39 | 15.6% | 6.750% | $10,270 |
| Massachusetts | 30 | 35 | 10.0% | — | — |
| New Hampshire | 19 | 23 | — | — | — |
| Nebraska | 16 | 16 | — | — | — |
| New Jersey | 15 | 19 | — | — | — |
| Mississippi | 11 | 12 | — | — | — |
| Connecticut | 8 | 12 | — | — | — |
| Rhode Island | 7 | 9 | — | — | — |
| North Dakota | 7 | 7 | — | — | — |
| Maine | 5 | 5 | — | — | — |
| District of Columbia | 3 | 6 | — | — | — |
| Alaska | 3 | 4 | — | — | — |
| Vermont | 3 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open American Pacific Mortgage Corporation's page for that state.
Counties where American Pacific Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bennett County, SD | 2 | 1 | 50.0% |
| Humboldt County, NV | 1 | 54 | 29.3% |
| Daggett County, UT | 1 | 2 | 25.0% |
| Mono County, CA | 2 | 21 | 19.4% |
| Santa Cruz County, AZ | 1 | 124 | 18.6% |
| Perkins County, SD | 3 | 1 | 14.3% |
| Dearborn County, IN | 1 | 109 | 13.5% |
| Tom Green County, TX | 2 | 201 | 13.1% |
| Miller County, GA | 3 | 6 | 11.3% |
| Decatur County, GA | 3 | 25 | 11.1% |
| Coke County, TX | 3 | 2 | 11.1% |
| Umatilla County, OR | 2 | 103 | 11.0% |
| Ripley County, IN | 2 | 34 | 10.7% |
| Fayette County, IN | 3 | 35 | 9.6% |
| Johnson County, WY | 3 | 6 | 9.1% |
Check American Pacific Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300KIOYNU323LVJ37.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from American Pacific Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology