American Pacific Mortgage Corporation Rates, Fees & Info
SACRAMENTO, CALEI: 549300KIOYNU323LVJ37
Tax ID: 68-0382674
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
American Pacific Mortgage Corporation is a large mortgage company specializing in Home Purchase and Refi loans. American Pacific Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Oakland, Sacramento, Seattle, San Diego, and Chicago among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. American Pacific Mortgage Corporation is typically a high fee lendor.Originations
57,225Origination Dollar Volume (All Markets)
$20,478,165,000Relative Rate
American Pacific Mortgage Corporation's average 30 year fixed rate mortgage was
3.21%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.15%.
Relative Fees
American Pacific Mortgage Corporation's average total fees for a 30 year fixed rate
mortgage are $6,299.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 41,372 | $14,831,600,000 | $358,494 | $4,789 | 3.20% |
| VA | 8,391 | $3,527,135,000 | $420,347 | $7,817 | 2.84% |
| FHA | 7,021 | $2,016,055,000 | $287,146 | $10,611 | 3.28% |
| USDA | 441 | $103,375,000 | $234,410 | $6,814 | 3.19% |
For the 2020 period, American Pacific Mortgage Corporation's most frequently originated loan type was Conventional, with 41,372 originations. Their 2nd most popular type is VA, with 8,391 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 24,082 | $8,714,920,000 | $361,885 | $7,988 | 3.23% |
| Refi | 23,796 | $8,585,530,000 | $360,797 | $4,184 | 3.03% |
| Cash Out Refi | 9,347 | $3,177,715,000 | $339,972 | $5,397 | 3.28% |
For the 2020, American Pacific Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 24,082 originations. The 2nd most popular reason was Refi, with 23,796 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 50,493 | $18,603,625,000 | $368,440 | $6,299 | 3.20% |
| 15 Year | 4,161 | $1,109,955,000 | $266,752 | $3,743 | 2.73% |
| 20 Year | 1,578 | $461,570,000 | $292,503 | $3,844 | 3.08% |
| Other | 757 | $254,665,000 | $336,413 | $4,043 | 3.04% |
| 10 Year | 230 | $46,010,000 | $200,043 | $3,048 | 2.99% |
| 30+ year | 6 | $2,340,000 | $390,000 | $5,916 | 5.10% |
For the 2020, American Pacific Mortgage Corporation's most frequently cited loan length was 30 Year, with 50,493 originations. The 2nd most popular length was 15 Year, with 4,161 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 26,822 | $9,331,940,000 | $347,921 |
| $2k-3k | 8,014 | $2,490,980,000 | $310,829 |
| $3k-4k | 7,580 | $2,662,630,000 | $351,270 |
| $<1k | 6,462 | $2,392,140,000 | $370,186 |
| $5k+ | 5,770 | $2,870,600,000 | $497,504 |
$6,299 was American Pacific Mortgage Corporation's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 26,822 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OAKLAND-BERKELEY-LIVERMORE, CA | 3,514 | $1,956,840,000 | $556,870 | $6,302 | 3.07% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 4,909 | $1,722,125,000 | $350,810 | $5,717 | 3.21% |
| SEATTLE-BELLEVUE-KENT, WA | 3,198 | $1,270,320,000 | $397,223 | $6,727 | 3.20% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 2,330 | $1,138,720,000 | $488,721 | $7,633 | 2.95% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 4,428 | $1,089,600,000 | $246,070 | $4,923 | 3.15% |
| Outside of Metro Areas | 3,554 | $958,540,000 | $269,707 | $5,406 | 3.24% |
| URBAN HONOLULU, HI | 1,553 | $920,195,000 | $592,527 | $8,951 | 2.70% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,962 | $879,300,000 | $448,165 | $6,977 | 3.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2,423 | $816,485,000 | $336,973 | $7,510 | 3.24% |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 1,159 | $678,335,000 | $585,276 | $5,101 | 3.12% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 2,245 | $588,485,000 | $262,131 | $5,801 | 3.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 1,026 | $541,380,000 | $527,661 | $5,014 | 3.18% |
| SAN RAFAEL, CA | 805 | $448,055,000 | $556,590 | $5,275 | 3.12% |
| STOCKTON, CA | 1,274 | $436,110,000 | $342,316 | $5,687 | 3.15% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 1,170 | $403,920,000 | $345,231 | $5,618 | 3.21% |
| PHOENIX-MESA-CHANDLER, AZ | 1,388 | $399,990,000 | $288,177 | $5,724 | 3.28% |
| MODESTO, CA | 1,376 | $397,550,000 | $288,917 | $5,612 | 3.17% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 765 | $377,645,000 | $493,654 | $6,478 | 3.14% |
| VALLEJO, CA | 965 | $371,965,000 | $385,456 | $6,347 | 3.13% |
| SANTA ROSA-PETALUMA, CA | 679 | $304,435,000 | $448,358 | $5,593 | 3.15% |
| TACOMA-LAKEWOOD, WA | 834 | $304,120,000 | $364,652 | $6,919 | 3.33% |
| OGDEN-CLEARFIELD, UT | 896 | $256,030,000 | $285,748 | $4,822 | 3.09% |
| REDDING, CA | 920 | $250,860,000 | $272,674 | $5,638 | 3.32% |
| DENVER-AURORA-LAKEWOOD, CO | 693 | $237,055,000 | $342,071 | $5,111 | 3.19% |
| BOISE CITY, ID | 639 | $177,375,000 | $277,582 | $6,728 | 3.19% |
| SALT LAKE CITY, UT | 558 | $170,390,000 | $305,358 | $5,092 | 3.23% |
| ELGIN, IL | 636 | $152,850,000 | $240,330 | $4,864 | 3.13% |
| SALINAS, CA | 364 | $152,510,000 | $418,984 | $5,911 | 3.27% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 639 | $148,015,000 | $231,635 | $5,253 | 3.15% |
| NAPA, CA | 291 | $141,195,000 | $485,206 | $6,429 | 3.17% |
| FRESNO, CA | 519 | $135,005,000 | $260,125 | $6,100 | 3.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 481 | $129,235,000 | $268,680 | $6,377 | 3.15% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 258 | $115,790,000 | $448,798 | $6,399 | 3.10% |
| PROVO-OREM, UT | 399 | $112,905,000 | $282,970 | $5,540 | 3.24% |
| SANTA CRUZ-WATSONVILLE, CA | 208 | $109,170,000 | $524,856 | $5,840 | 3.14% |
| BAKERSFIELD, CA | 400 | $103,050,000 | $257,625 | $5,551 | 3.17% |
| SPOKANE-SPOKANE VALLEY, WA | 319 | $85,435,000 | $267,821 | $5,215 | 3.24% |
| SAN LUIS OBISPO-PASO ROBLES, CA | 196 | $78,770,000 | $401,888 | $4,747 | 3.07% |
| BEND, OR | 223 | $74,855,000 | $335,673 | $5,862 | 3.33% |
| SALEM, OR | 268 | $74,310,000 | $277,276 | $7,173 | 3.31% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 213 | $71,395,000 | $335,188 | $6,092 | 3.02% |
| MERCED, CA | 263 | $67,695,000 | $257,395 | $6,789 | 3.23% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 202 | $67,670,000 | $335,000 | $7,126 | 3.27% |
| COEUR D'ALENE, ID | 234 | $67,270,000 | $287,479 | $6,221 | 3.18% |
| HANFORD-CORCORAN, CA | 232 | $59,270,000 | $255,474 | $6,671 | 3.14% |
| SANTA MARIA-SANTA BARBARA, CA | 117 | $57,025,000 | $487,393 | $5,943 | 3.20% |
| YUBA CITY, CA | 206 | $55,730,000 | $270,534 | $6,677 | 3.25% |
| KANSAS CITY, MO-KS | 261 | $53,835,000 | $206,264 | $4,573 | 3.15% |
| RENO, NV | 168 | $51,820,000 | $308,452 | $5,296 | 3.24% |
| OLYMPIA-LACEY-TUMWATER, WA | 167 | $50,995,000 | $305,359 | $6,734 | 3.32% |
| MADERA, CA | 198 | $50,290,000 | $253,990 | $6,300 | 3.28% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 175 | $47,955,000 | $274,029 | $5,241 | 3.13% |
| DALLAS-PLANO-IRVING, TX | 162 | $47,000,000 | $290,123 | $6,056 | 3.00% |
| KENNEWICK-RICHLAND, WA | 174 | $45,900,000 | $263,793 | $5,474 | 3.27% |
| VISALIA, CA | 146 | $37,230,000 | $255,000 | $6,004 | 3.15% |
| POCATELLO, ID | 198 | $37,180,000 | $187,778 | $5,968 | 3.10% |
| EL PASO, TX | 191 | $35,215,000 | $184,372 | $6,673 | 3.42% |
| YAKIMA, WA | 154 | $34,570,000 | $224,481 | $7,732 | 3.50% |
| MOUNT VERNON-ANACORTES, WA | 106 | $34,480,000 | $325,283 | $6,507 | 3.20% |
| KILLEEN-TEMPLE, TX | 147 | $29,535,000 | $200,918 | $5,254 | 3.01% |
| PRESCOTT VALLEY-PRESCOTT, AZ | 104 | $28,980,000 | $278,654 | $5,817 | 3.16% |
| LEWISTON, ID-WA | 130 | $27,810,000 | $213,923 | $5,487 | 3.43% |
| BELLINGHAM, WA | 82 | $27,430,000 | $334,512 | $7,170 | 3.35% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 97 | $26,345,000 | $271,598 | $6,046 | 2.96% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 88 | $25,050,000 | $284,659 | $4,334 | 3.09% |
| CORVALLIS, OR | 78 | $23,830,000 | $305,513 | $6,272 | 3.12% |
| AMES, IA | 110 | $21,660,000 | $196,909 | $3,873 | 3.16% |
| ALBANY-LEBANON, OR | 83 | $21,415,000 | $258,012 | $7,195 | 3.14% |
| KAHULUI-WAILUKU-LAHAINA, HI | 42 | $21,290,000 | $506,905 | $6,070 | 2.97% |
| LOGAN, UT-ID | 73 | $18,685,000 | $255,959 | $4,568 | 3.12% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 39 | $17,655,000 | $452,692 | $6,761 | 2.86% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 61 | $16,975,000 | $278,279 | $6,075 | 3.11% |
| GARY, IN | 75 | $16,935,000 | $225,800 | $4,625 | 3.06% |
| TUCSON, AZ | 73 | $16,895,000 | $231,438 | $5,312 | 3.18% |
| WENATCHEE, WA | 57 | $16,725,000 | $293,421 | $5,147 | 3.05% |
| COLORADO SPRINGS, CO | 49 | $16,635,000 | $339,490 | $6,086 | 3.03% |
| CHICO, CA | 64 | $16,040,000 | $250,625 | $4,833 | 3.32% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 54 | $15,800,000 | $292,593 | $5,248 | 3.16% |
| CINCINNATI, OH-KY-IN | 70 | $15,630,000 | $223,286 | $5,268 | 3.31% |
| FORT COLLINS, CO | 40 | $14,770,000 | $369,250 | $4,773 | 3.13% |
| JACKSONVILLE, FL | 59 | $13,665,000 | $231,610 | $5,026 | 2.83% |
| ALBUQUERQUE, NM | 67 | $13,545,000 | $202,164 | $5,992 | 3.57% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 38 | $12,720,000 | $334,737 | $5,375 | 3.07% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 42 | $12,540,000 | $298,571 | $6,727 | 2.52% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 39 | $12,355,000 | $316,795 | $5,960 | 3.13% |
| EUGENE-SPRINGFIELD, OR | 47 | $12,275,000 | $261,170 | $5,538 | 3.32% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 49 | $12,055,000 | $246,020 | $6,328 | 3.22% |
| MILWAUKEE-WAUKESHA, WI | 59 | $11,605,000 | $196,695 | $4,364 | 3.28% |
| ST. GEORGE, UT | 45 | $11,555,000 | $256,778 | $4,086 | 3.18% |
| WARREN-TROY-FARMINGTON HILLS, MI | 50 | $10,030,000 | $200,600 | $3,373 | 3.23% |
| GREELEY, CO | 33 | $9,955,000 | $301,667 | $6,551 | 3.20% |
| BLOOMINGTON, IL | 55 | $9,565,000 | $173,909 | $4,141 | 3.09% |
| RACINE, WI | 46 | $8,820,000 | $191,739 | $4,915 | 3.47% |
| PEORIA, IL | 59 | $8,565,000 | $145,169 | $3,866 | 3.12% |
| LAKE HAVASU CITY-KINGMAN, AZ | 35 | $7,785,000 | $222,429 | $4,788 | 3.23% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 31 | $7,735,000 | $249,516 | $7,251 | 3.10% |
| BOULDER, CO | 20 | $7,480,000 | $374,000 | $3,646 | 3.17% |
| OCALA, FL | 41 | $6,975,000 | $170,122 | $5,488 | 2.82% |
| LONGVIEW, WA | 26 | $6,660,000 | $256,154 | $6,922 | 3.26% |
| ROCKFORD, IL | 41 | $6,555,000 | $159,878 | $4,832 | 3.12% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 18 | $6,140,000 | $341,111 | $4,071 | 3.10% |
| MEDFORD, OR | 21 | $5,795,000 | $275,952 | $4,941 | 3.25% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 18 | $5,660,000 | $314,444 | $6,880 | 3.15% |
| NAPLES-MARCO ISLAND, FL | 15 | $5,395,000 | $359,667 | $6,043 | 3.10% |
| MADISON, WI | 20 | $5,370,000 | $268,500 | $2,980 | 3.31% |
| IDAHO FALLS, ID | 20 | $5,270,000 | $263,500 | $7,278 | 3.34% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 23 | $4,885,000 | $212,391 | $5,870 | 3.27% |
| CAPE CORAL-FORT MYERS, FL | 19 | $4,775,000 | $251,316 | $4,840 | 3.03% |
| PORT ST. LUCIE, FL | 18 | $4,630,000 | $257,222 | $7,645 | 2.85% |
| LAKELAND-WINTER HAVEN, FL | 21 | $4,445,000 | $211,667 | $6,028 | 3.24% |
| CORPUS CHRISTI, TX | 16 | $4,260,000 | $266,250 | $7,263 | 3.02% |
| KANKAKEE, IL | 27 | $4,105,000 | $152,037 | $4,411 | 3.08% |
| PENSACOLA-FERRY PASS-BRENT, FL | 16 | $4,090,000 | $255,625 | $5,398 | 2.98% |
| EL CENTRO, CA | 16 | $4,030,000 | $251,875 | $6,946 | 3.29% |
| DAYTON-KETTERING, OH | 19 | $3,775,000 | $198,684 | $6,394 | 3.11% |
| DES MOINES-WEST DES MOINES, IA | 19 | $3,665,000 | $192,895 | $3,703 | 2.98% |
| GRANTS PASS, OR | 10 | $3,330,000 | $333,000 | $6,730 | 3.48% |
| FLAGSTAFF, AZ | 11 | $3,155,000 | $286,818 | $4,684 | 3.16% |
| CARSON CITY, NV | 9 | $3,035,000 | $337,222 | $3,532 | 3.33% |
| WALLA WALLA, WA | 13 | $2,785,000 | $214,231 | $4,273 | 3.35% |
| SANTA FE, NM | 8 | $2,730,000 | $341,250 | $7,831 | 3.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 12 | $2,590,000 | $215,833 | $4,260 | 2.93% |
| ST. LOUIS, MO-IL | 10 | $2,570,000 | $257,000 | $3,382 | 3.12% |
| VICTORIA, TX | 11 | $2,565,000 | $233,182 | $6,217 | 3.49% |
| MCALLEN-EDINBURG-MISSION, TX | 12 | $2,550,000 | $212,500 | $5,623 | 3.01% |
| PANAMA CITY, FL | 6 | $2,480,000 | $413,333 | $6,896 | 2.63% |
| CHATTANOOGA, TN-GA | 11 | $2,465,000 | $224,091 | $5,203 | 3.15% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 12 | $2,230,000 | $185,833 | $3,308 | 3.12% |
| BILLINGS, MT | 7 | $1,945,000 | $277,857 | $4,648 | 3.07% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 8 | $1,940,000 | $242,500 | $3,239 | 3.05% |
| DECATUR, IL | 17 | $1,895,000 | $111,471 | $4,272 | 3.03% |
| SIERRA VISTA-DOUGLAS, AZ | 9 | $1,885,000 | $209,444 | $2,455 | 2.93% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 9 | $1,875,000 | $208,333 | $5,909 | 2.97% |
| YUMA, AZ | 6 | $1,620,000 | $270,000 | $3,249 | 2.81% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 9 | $1,585,000 | $176,111 | $5,906 | 3.33% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 7 | $1,535,000 | $219,286 | $4,772 | 3.23% |
| CLARKSVILLE, TN-KY | 8 | $1,510,000 | $188,750 | $5,363 | 2.84% |
| PUNTA GORDA, FL | 7 | $1,485,000 | $212,143 | $5,577 | 2.86% |
| KNOXVILLE, TN | 6 | $1,480,000 | $246,667 | $4,508 | 3.27% |
| NILES, MI | 4 | $1,380,000 | $345,000 | $3,291 | 3.41% |
| COLUMBIA, SC | 6 | $1,370,000 | $228,333 | $4,518 | 3.33% |
| CHAMPAIGN-URBANA, IL | 9 | $1,365,000 | $151,667 | $4,456 | 3.08% |
| COLUMBUS, OH | 5 | $1,285,000 | $257,000 | $4,823 | 2.77% |
| MICHIGAN CITY-LA PORTE, IN | 4 | $1,280,000 | $320,000 | $2,765 | 3.47% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 3 | $1,265,000 | $421,667 | $4,543 | 2.96% |
| COLLEGE STATION-BRYAN, TX | 5 | $1,265,000 | $253,000 | $9,120 | 3.17% |
| BIRMINGHAM-HOOVER, AL | 8 | $1,230,000 | $153,750 | $3,642 | 3.09% |
| HUNTSVILLE, AL | 3 | $1,165,000 | $388,333 | $4,821 | 2.88% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 4 | $1,120,000 | $280,000 | $3,635 | 2.84% |
| GRAND JUNCTION, CO | 3 | $1,115,000 | $371,667 | $2,209 | 3.00% |
| CHARLOTTESVILLE, VA | 3 | $1,035,000 | $345,000 | $3,272 | 2.96% |
| TULSA, OK | 4 | $1,020,000 | $255,000 | $4,292 | 2.97% |
| BEAUMONT-PORT ARTHUR, TX | 3 | $985,000 | $328,333 | $5,073 | 3.21% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 3 | $985,000 | $328,333 | $3,583 | 3.04% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 4 | $980,000 | $245,000 | $2,923 | 3.72% |
| LANSING-EAST LANSING, MI | 5 | $955,000 | $191,000 | $3,498 | 3.20% |
| GRAND RAPIDS-KENTWOOD, MI | 4 | $940,000 | $235,000 | $3,343 | 2.81% |
| WACO, TX | 4 | $930,000 | $232,500 | $5,985 | 3.16% |
| WAUSAU-WESTON, WI | 4 | $910,000 | $227,500 | $2,618 | 3.66% |
| LAS CRUCES, NM | 5 | $885,000 | $177,000 | $7,377 | 3.40% |
| GREEN BAY, WI | 3 | $845,000 | $281,667 | $2,478 | 2.87% |
| CARBONDALE-MARION, IL | 4 | $840,000 | $210,000 | $5,047 | 3.47% |
| TWIN FALLS, ID | 5 | $835,000 | $167,000 | $4,913 | 3.48% |
| GAINESVILLE, GA | 3 | $805,000 | $268,333 | $5,536 | 2.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 4 | $780,000 | $195,000 | $4,594 | 2.84% |
| PUEBLO, CO | 3 | $745,000 | $248,333 | $4,262 | 3.88% |
| SPARTANBURG, SC | 3 | $735,000 | $245,000 | $4,597 | 2.92% |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 2 | $730,000 | $365,000 | $4,108 | 3.38% |
| BROWNSVILLE-HARLINGEN, TX | 4 | $720,000 | $180,000 | $2,565 | 2.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 2 | $700,000 | $350,000 | $4,582 | 3.38% |
| NEW HAVEN-MILFORD, CT | 3 | $695,000 | $231,667 | $6,175 | 3.21% |
| ST. CLOUD, MN | 2 | $690,000 | $345,000 | $3,276 | 3.00% |
| AMARILLO, TX | 3 | $655,000 | $218,333 | $6,764 | 2.92% |
| BRUNSWICK, GA | 2 | $630,000 | $315,000 | $5,651 | 2.63% |
| FLINT, MI | 4 | $610,000 | $152,500 | $2,944 | 3.12% |
| TALLAHASSEE, FL | 2 | $600,000 | $300,000 | $5,340 | 2.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 3 | $595,000 | $198,333 | $3,382 | 3.25% |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 1 | $585,000 | $585,000 | $14,438 | 3.25% |
| SAVANNAH, GA | 2 | $580,000 | $290,000 | $5,568 | 3.06% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1 | $575,000 | $575,000 | $6,594 | 2.75% |
| SPRINGFIELD, IL | 3 | $565,000 | $188,333 | $3,367 | 3.04% |
| WICHITA FALLS, TX | 2 | $550,000 | $275,000 | $2,772 | 2.50% |
| MEMPHIS, TN-MS-AR | 4 | $550,000 | $137,500 | $4,339 | 3.28% |
| DALTON, GA | 4 | $550,000 | $137,500 | $4,701 | 3.84% |
| THE VILLAGES, FL | 3 | $545,000 | $181,667 | $3,743 | 3.13% |
| FARMINGTON, NM | 3 | $545,000 | $181,667 | $6,148 | 2.83% |
| PROVIDENCE-WARWICK, RI-MA | 2 | $540,000 | $270,000 | $2,074 | 3.19% |
| NEWARK, NJ-PA | 2 | $540,000 | $270,000 | $4,293 | 2.93% |
| RICHMOND, VA | 2 | $540,000 | $270,000 | $2,553 | 3.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 3 | $535,000 | $178,333 | $4,315 | 2.83% |
| WICHITA, KS | 4 | $530,000 | $132,500 | $3,618 | 2.78% |
| SEBASTIAN-VERO BEACH, FL | 2 | $500,000 | $250,000 | $3,674 | 2.88% |
| VALDOSTA, GA | 3 | $495,000 | $165,000 | $1,886 | 3.21% |
| SPRINGFIELD, MO | 2 | $480,000 | $240,000 | $3,569 | 3.19% |
| RALEIGH-CARY, NC | 2 | $470,000 | $235,000 | $4,737 | 3.63% |
| MISSOULA, MT | 2 | $450,000 | $225,000 | $4,681 | 2.94% |
| JACKSON, MS | 2 | $450,000 | $225,000 | $3,838 | 2.81% |
| ELKHART-GOSHEN, IN | 2 | $440,000 | $220,000 | $3,050 | 2.56% |
| CALIFORNIA-LEXINGTON PARK, MD | 1 | $435,000 | $435,000 | $3,502 | 2.75% |
| DETROIT-DEARBORN-LIVONIA, MI | 4 | $430,000 | $107,500 | $2,767 | 2.97% |
| SHERMAN-DENISON, TX | 2 | $430,000 | $215,000 | $4,867 | 3.50% |
| JANESVILLE-BELOIT, WI | 3 | $425,000 | $141,667 | $5,344 | 2.87% |
| JOPLIN, MO | 2 | $420,000 | $210,000 | $4,772 | 2.87% |
| IOWA CITY, IA | 2 | $420,000 | $210,000 | $3,969 | 3.25% |
| BOSTON, MA | 1 | $415,000 | $415,000 | $4,391 | 2.25% |
| MIDLAND, TX | 2 | $410,000 | $205,000 | $6,475 | 3.06% |
| EAU CLAIRE, WI | 2 | $410,000 | $205,000 | $5,236 | 3.44% |
| ROCHESTER, MN | 1 | $405,000 | $405,000 | $5,924 | 2.13% |
| HOUMA-THIBODAUX, LA | 1 | $395,000 | $395,000 | $4,062 | 2.88% |
| GAINESVILLE, FL | 2 | $380,000 | $190,000 | $4,127 | 2.88% |
| BLOOMINGTON, IN | 1 | $375,000 | $375,000 | $17,525 | 2.75% |
| ANCHORAGE, AK | 2 | $360,000 | $180,000 | $4,276 | 3.44% |
| COLUMBUS, GA-AL | 2 | $360,000 | $180,000 | $7,012 | 3.06% |
| ABILENE, TX | 2 | $350,000 | $175,000 | $6,981 | 2.56% |
| AKRON, OH | 2 | $350,000 | $175,000 | $4,458 | 2.75% |
| LAFAYETTE-WEST LAFAYETTE, IN | 1 | $345,000 | $345,000 | $2,729 | 3.13% |
| BAY CITY, MI | 3 | $335,000 | $111,667 | $3,595 | 3.42% |
| CEDAR RAPIDS, IA | 2 | $330,000 | $165,000 | $3,167 | 2.88% |
| PITTSBURGH, PA | 2 | $330,000 | $165,000 | $0 | 3.13% |
| TOPEKA, KS | 2 | $330,000 | $165,000 | $4,343 | 3.56% |
| BARNSTABLE TOWN, MA | 1 | $325,000 | $325,000 | $8,735 | 3.50% |
| BOWLING GREEN, KY | 1 | $325,000 | $325,000 | $3,540 | 3.38% |
| CHEYENNE, WY | 1 | $325,000 | $325,000 | $14,647 | 2.75% |
| DULUTH, MN-WI | 1 | $315,000 | $315,000 | $3,783 | 2.88% |
| FOND DU LAC, WI | 1 | $315,000 | $315,000 | $3,440 | 3.13% |
| LAREDO, TX | 2 | $310,000 | $155,000 | $2,491 | 3.06% |
| WILMINGTON, NC | 1 | $295,000 | $295,000 | $3,104 | 2.99% |
| JEFFERSON CITY, MO | 1 | $295,000 | $295,000 | $9,803 | 4.25% |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $285,000 | $285,000 | $3,544 | 3.38% |
| HARRISBURG-CARLISLE, PA | 1 | $275,000 | $275,000 | $6,752 | 2.99% |
| DOTHAN, AL | 1 | $265,000 | $265,000 | $8,439 | 2.63% |
| COLUMBUS, IN | 1 | $245,000 | $245,000 | $3,692 | 2.25% |
| WORCESTER, MA-CT | 1 | $245,000 | $245,000 | $4,569 | 2.99% |
| DOVER, DE | 1 | $245,000 | $245,000 | $0 | 2.75% |
| OKLAHOMA CITY, OK | 1 | $235,000 | $235,000 | $2,912 | 2.75% |
| FAYETTEVILLE, NC | 2 | $220,000 | $110,000 | $3,422 | 3.38% |
| LAWRENCE, KS | 1 | $215,000 | $215,000 | $5,213 | 2.75% |
| CAMDEN, NJ | 1 | $215,000 | $215,000 | $3,120 | 3.13% |
| PHILADELPHIA, PA | 1 | $215,000 | $215,000 | $3,720 | 2.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 1 | $205,000 | $205,000 | $3,124 | 3.13% |
| HOMOSASSA SPRINGS, FL | 1 | $205,000 | $205,000 | $5,255 | 2.75% |
| ALBANY, GA | 1 | $195,000 | $195,000 | $6,969 | 2.75% |
| ST. JOSEPH, MO-KS | 1 | $195,000 | $195,000 | $2,782 | 2.99% |
| GREAT FALLS, MT | 1 | $195,000 | $195,000 | $0 | 5.25% |
| AUBURN-OPELIKA, AL | 1 | $175,000 | $175,000 | $0 | 2.25% |
| HINESVILLE, GA | 1 | $175,000 | $175,000 | $0 | 3.63% |
| ANN ARBOR, MI | 1 | $175,000 | $175,000 | $5,675 | 2.88% |
| MONTGOMERY, AL | 1 | $165,000 | $165,000 | $0 | 3.25% |
| FAIRBANKS, AK | 1 | $165,000 | $165,000 | $2,649 | 3.38% |
| MORRISTOWN, TN | 1 | $165,000 | $165,000 | $11,439 | 2.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 1 | $155,000 | $155,000 | $4,132 | 2.99% |
| TOLEDO, OH | 1 | $145,000 | $145,000 | $3,382 | 2.63% |
| SHEBOYGAN, WI | 1 | $145,000 | $145,000 | $2,773 | 3.00% |
| APPLETON, WI | 1 | $145,000 | $145,000 | $5,787 | 2.75% |
| LANCASTER, PA | 1 | $135,000 | $135,000 | $3,855 | 3.38% |
| COLUMBIA, MO | 1 | $135,000 | $135,000 | $603 | 2.75% |
| FLORENCE-MUSCLE SHOALS, AL | 1 | $135,000 | $135,000 | $2,562 | 3.50% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $125,000 | $125,000 | $5,025 | 2.88% |
| LYNCHBURG, VA | 1 | $125,000 | $125,000 | $0 | 4.75% |
| ASHEVILLE, NC | 1 | $105,000 | $105,000 | $3,076 | 2.25% |
| FORT WAYNE, IN | 1 | $95,000 | $95,000 | $3,854 | 3.63% |
| NEW BERN, NC | 1 | $95,000 | $95,000 | $1,494 | 2.88% |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $85,000 | $85,000 | $2,873 | 2.50% |
| JACKSONVILLE, NC | 1 | $75,000 | $75,000 | $0 | 3.75% |
| DECATUR, AL | 1 | $65,000 | $65,000 | $0 | 3.00% |
| SAGINAW, MI | 1 | $65,000 | $65,000 | $0 | 3.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 1 | $65,000 | $65,000 | $3,558 | 3.50% |
| ENID, OK | 1 | $55,000 | $55,000 | $3,871 | 2.88% |
| CLEVELAND-ELYRIA, OH | 1 | $35,000 | $35,000 | $0 | 5.63% |
American Pacific Mortgage Corporation's top markets include Oakland, Sacramento, Seattle, San Diego, and Chicago among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 25,991 | $9,306,815,000 | $358,078 |
| 2.5-3% | 23,785 | $8,583,955,000 | $360,898 |
| <2.5% | 4,631 | $1,709,685,000 | $369,183 |
| 4-5% | 2,609 | $820,715,000 | $314,571 |
| 5-6% | 183 | $52,215,000 | $285,328 |
| 7-8% | 15 | $695,000 | $46,333 |
| 6-7% | 11 | $4,085,000 | $371,364 |
During 2020, American Pacific Mortgage Corporation's average interest rate was 3.21%, while their most frequently originated rate bucket was 3-4%, with 25,991 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 28,540 | $8,417,510,000 | $294,937 | $5,641 | 3.17% |
| $400k-600k | 13,731 | $6,568,335,000 | $478,358 | $6,514 | 3.11% |
| $100k-200k | 9,065 | $1,445,425,000 | $159,451 | $4,438 | 3.19% |
| $600k-1MM | 4,495 | $3,237,005,000 | $720,135 | $8,979 | 3.13% |
| $100,000 or less | 820 | $66,230,000 | $80,768 | $3,635 | 3.36% |
| $1MM+ | 574 | $743,660,000 | $1,295,575 | $14,337 | 3.15% |
2020 saw American Pacific Mortgage Corporation place emphasis on $200k-400k loans with 28,540 originations, totaling $8,417,510,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 13,813 | $5,256,225,000 | $380,527 | $6,184 | 3.19% |
| $50k-75k | 10,922 | $2,771,370,000 | $253,742 | $6,077 | 3.19% |
| $75k-100k | 10,702 | $3,402,120,000 | $317,896 | $6,399 | 3.19% |
| $150k-250k | 9,289 | $4,302,975,000 | $463,233 | $6,064 | 3.18% |
| $50k or less | 4,583 | $819,625,000 | $178,840 | $5,311 | 3.21% |
| $250k+ | 3,434 | $2,088,480,000 | $608,177 | $6,818 | 3.18% |
American Pacific Mortgage Corporation lent most frequently to those with incomes in the $100k-150k range, with 13,813 originations. The second most popular income band? $50k-75k, with 10,922 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 10,555 | $3,732,375,000 | $353,612 | $4,892 | 3.12% |
| 30-36% | 9,545 | $3,467,685,000 | $363,299 | $5,568 | 3.18% |
| <20% | 3,282 | $1,078,990,000 | $328,760 | $4,283 | 3.02% |
| 50-60% | 3,218 | $1,111,120,000 | $345,283 | $10,454 | 3.15% |
| 44% | 2,535 | $855,645,000 | $337,533 | $6,484 | 3.32% |
| 42% | 2,303 | $816,405,000 | $354,496 | $6,581 | 3.25% |
| 43% | 2,146 | $710,480,000 | $331,072 | $6,062 | 3.26% |
| 41% | 2,129 | $764,195,000 | $358,946 | $6,433 | 3.26% |
| 40% | 2,014 | $729,000,000 | $361,966 | $6,279 | 3.23% |
| 39% | 1,973 | $717,145,000 | $363,479 | $6,322 | 3.23% |
| 37% | 1,939 | $729,975,000 | $376,470 | $6,282 | 3.22% |
| 38% | 1,871 | $683,585,000 | $365,358 | $6,211 | 3.24% |
| 36% | 1,834 | $655,850,000 | $357,606 | $5,832 | 3.20% |
| 49% | 1,793 | $626,775,000 | $349,568 | $6,763 | 3.22% |
| 45% | 1,595 | $534,535,000 | $335,132 | $6,433 | 3.25% |
| 46% | 1,435 | $493,615,000 | $343,983 | $6,765 | 3.22% |
| 48% | 1,424 | $493,430,000 | $346,510 | $6,933 | 3.24% |
| 47% | 1,319 | $448,845,000 | $340,292 | $6,740 | 3.23% |
| >60% | 309 | $163,765,000 | $529,984 | $13,138 | 3.01% |
American Pacific Mortgage Corporation lent most frequently to those with DTI ratios of 20-30%, with 10,555 originations. The next most common DTI ratio? 30-36%, with 9,545 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 43,396 | $14,987,970,000 | $345,377 | $5,783 | 3.17% |
| Not provided | 6,811 | $2,632,535,000 | $386,512 | $6,434 | 3.10% |
| Asian | 2,984 | $1,330,270,000 | $445,801 | $6,286 | 3.08% |
| Black | 2,876 | $1,038,840,000 | $361,210 | $7,668 | 3.18% |
| American Indian | 454 | $162,760,000 | $358,502 | $7,140 | 3.13% |
| Native Hawaiian | 304 | $131,720,000 | $433,289 | $6,967 | 3.01% |
| Filipino | 121 | $57,425,000 | $474,587 | $7,117 | 2.95% |
| Asian Indian | 86 | $49,890,000 | $580,116 | $7,372 | 3.13% |
| Other Asian | 70 | $29,360,000 | $419,429 | $6,350 | 3.08% |
| Chinese | 29 | $15,465,000 | $533,276 | $4,576 | 3.05% |
| Japanese | 24 | $9,740,000 | $405,833 | $6,791 | 2.99% |
| Other Pacific Islander | 22 | $9,150,000 | $415,909 | $6,872 | 3.27% |
| Vietnamese | 14 | $7,490,000 | $535,000 | $7,902 | 3.09% |
| Korean | 9 | $4,455,000 | $495,000 | $6,423 | 3.05% |
| Native Hawiian | 8 | $3,880,000 | $485,000 | $5,096 | 2.84% |
| Guamanian | 10 | $3,640,000 | $364,000 | $6,396 | 2.83% |
| Samoan | 7 | $3,575,000 | $510,714 | $7,938 | 3.09% |
Approval Rates
Total approvals of all applications94.86%
American Pacific Mortgage Corporation has an average approval rate.
Pick Rate
Approvals leading to origination76.36%
American Pacific Mortgage Corporation has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 57,225 | $20,478,165,000 | $357,853 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 775 | $178,195,000 | $229,929 |
| Single Family (1-4 Units):Site-Built | 56,450 | $20,299,970,000 | $359,610 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 3,162 | $909,600,000 | $287,666 | $3,943 | 2.98% |
| 40-60% | 9,138 | $3,136,560,000 | $343,244 | $4,153 | 3.03% |
| 60-80% | 18,450 | $6,911,290,000 | $374,596 | $4,900 | 3.22% |
| 80-100% | 24,511 | $8,709,205,000 | $355,318 | $7,051 | 3.19% |
| Over 100% | 1,606 | $730,450,000 | $454,826 | $15,847 | 2.93% |
| Under 20% | 358 | $81,060,000 | $226,425 | $3,872 | 3.24% |