American Pacific Mortgage Corporation Rates, Fees & Info

SACRAMENTO, CA

LEI: 549300KIOYNU323LVJ37

Tax ID: 68-0382674

2020 Data | 2019 Data | 2018 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

57,225

Origination Dollar Volume (All Markets)

$20,478,165,000

Relative 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 applications
94.86%

American Pacific Mortgage Corporation has an average approval rate.

Pick Rate

Approvals leading to origination
76.36%

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%