Lender in Michigan · HMDA 2025
American Pacific Mortgage Corporation mortgages in Michigan
American Pacific Mortgage Corporation's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
American Pacific Mortgage Corporation originated 492 owner-occupied single-family loans in Michigan from 532 completed applications.
Its median conventional purchase loan costs were $6,140 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
492
of 532 applications
Denial rate
6.9%
Purchase · MI 7.8%
Rate spread
+0.44 pts
Conv. · MI +0.23 pts
Loan amount
$245,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 464 | 432 | 6.9% | 6.625% | +0.44 pts | $6,140 | $245,000 |
| Refinance | 33 | 31 | 6.1% | 6.500% | +0.10 pts | $4,360 | $285,000 |
| Cash-out refinance | 35 | 29 | 17.1% | — | +0.71 pts | $5,370 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where American Pacific Mortgage Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mecosta County | 7 | 18 | 3.8% |
| Montcalm County | 8 | 25 | 2.6% |
| Lake County | 10 | 3 | 2.1% |
| Ionia County | 13 | 19 | 2.2% |
| Kent County | 14 | 143 | 1.6% |
| Barry County | 14 | 18 | 2.0% |
| Newaygo County | 14 | 11 | 1.8% |
| Clare County | 14 | 7 | 1.7% |
| Mason County | 14 | 4 | 1.3% |
| Oceana County | 18 | 3 | 1.1% |
| Gratiot County | 19 | 7 | 1.7% |
| Muskegon County | 20 | 23 | 0.8% |
| Missaukee County | 23 | 2 | 1.2% |
| Allegan County | 24 | 19 | 1.1% |
| Clinton County | 24 | 10 | 0.9% |
| Osceola County | 25 | 2 | 0.9% |
- American Pacific Mortgage Corporation nationwide
- Michigan mortgage market
- American Pacific Mortgage Corporation in California
- American Pacific Mortgage Corporation in Illinois
- American Pacific Mortgage Corporation in Texas
- American Pacific Mortgage Corporation in Washington
- American Pacific Mortgage Corporation in Florida
- American Pacific Mortgage Corporation in Arizona
- American Pacific Mortgage Corporation in Georgia
- American Pacific Mortgage Corporation in Ohio
- American Pacific Mortgage Corporation in Oregon
- American Pacific Mortgage Corporation in Tennessee
- American Pacific Mortgage Corporation in Wisconsin
- American Pacific Mortgage Corporation in Missouri
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology