AMERICAN PACIFIC MORTGAGE CORPORATION

24,783 mortgages originated in 2025 across 37 states, and what they cost borrowers.

Loans originated

24,783

Median rate

6.625%

Median lender fees

$8,522

Median loan amount

$305,000

Median spread over APOR

0.478

Paid discount points

64.8%

Received lender credits

46.2%

Purchases / refinances

84.7% / 15.3%

Conventional / FHA / VA

60.8% / 28.8% / 8.8%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 82.5% of loans here — see methodology.

Where AMERICAN PACIFIC MORTGAGE CORPORATION lent

States with at least 50 loans in 2025, ranked by volume.