Lender in California · HMDA 2025
American Pacific Mortgage Corporation mortgages in California
American Pacific Mortgage Corporation's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
American Pacific Mortgage Corporation originated 2,986 owner-occupied single-family loans in California from 3,287 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $7,840 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
2,986
of 3,287 applications
Denial rate
6.2%
Purchase · CA 8.9%
Rate spread
+0.34 pts
Conv. · CA +0.09 pts
Loan amount
$465,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,605 | 2,439 | 6.2% | 6.750% | +0.34 pts | $7,840 | $465,000 |
| Refinance | 338 | 278 | 17.2% | 6.500% | +0.07 pts | $5,270 | $555,000 |
| Cash-out refinance | 344 | 269 | 21.2% | 6.990% | +0.45 pts | $6,380 | $395,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where American Pacific Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 39.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mono County | 2 | 21 | 19.4% |
| Shasta County | 3 | 145 | 7.3% |
| Stanislaus County | 4 | 191 | 4.0% |
| Nevada County | 4 | 46 | 3.6% |
| Calaveras County | 4 | 21 | 3.5% |
| Tuolumne County | 4 | 13 | 2.3% |
| Modoc County | 4 | 3 | 6.8% |
| Tehama County | 5 | 23 | 4.5% |
| Solano County | 6 | 111 | 2.2% |
| Mariposa County | 6 | 5 | 3.5% |
| Sacramento County | 7 | 450 | 2.7% |
| Kings County | 7 | 56 | 3.5% |
| Imperial County | 7 | 43 | 3.8% |
| Napa County | 7 | 33 | 3.5% |
| Placer County | 8 | 138 | 2.2% |
| El Dorado County | 8 | 64 | 2.5% |
| Amador County | 8 | 15 | 2.9% |
| Yuba County | 10 | 33 | 2.4% |
| San Benito County | 10 | 13 | 1.9% |
| Lake County | 10 | 12 | 2.1% |
| Yolo County | 11 | 32 | 1.9% |
| Sutter County | 12 | 13 | 1.6% |
| Trinity County | 12 | 2 | 2.4% |
| Colusa County | 13 | 3 | 2.0% |
| San Joaquin County | 14 | 113 | 1.4% |
| Marin County | 15 | 43 | 1.9% |
| Madera County | 15 | 27 | 1.2% |
| Siskiyou County | 15 | 6 | 1.6% |
| San Luis Obispo County | 16 | 28 | 1.2% |
| Merced County | 17 | 28 | 1.3% |
- American Pacific Mortgage Corporation nationwide
- California mortgage market
- 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
- American Pacific Mortgage Corporation in Idaho
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology