American Pacific Mortgage (APM) is a leading national mortgage lender founded in 1996. The company is headquartered in Roseville, California, and is licensed to operate in 49 states. APM employs over 2,500 people and operates more than 350 branches across the U.S.[5]. ### Key Features and Services - Mortgage Products: APM offers a diverse range of specialty loan products tailored to meet the needs of various borrowers, including flexible income documentation options and solutions for complex financial situations[5]. - Customer Experience: The company emphasizes creating experiences that matter, providing a seamless digital mortgage process and personal interactions with local experts[5]. - Community Involvement: APM is committed to building a supportive community and fostering a culture of respect, innovation, and fairness. It also supports community initiatives through its nonprofit, APMCares[5]. ### Leadership and Operations - Leadership Team: The leadership includes Bill Lowman as Chairman, Ned Payant as CEO, and Dustin Sheppard as President[5]. - Operations: APM has a strong focus on transparency, scrappiness, and respect, guiding its interactions with clients and partners[5]. ### Ratings and Reviews - BBB Rating: American Pacific Mortgage is not BBB accredited and has received an F rating due to unresolved complaints[3]. - Customer Reviews: Despite the BBB rating, APM has received positive reviews from many customers for its service and mortgage solutions[1][5].