The Mortgage Record
Lender report card · New Jersey

American Pacific Mortgage Corporation

Roseville, CA · What the federal mortgage record shows about how American Pacific Mortgage Corporation treated New Jersey applicants, 2018–2025 — 247 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
83.8%
207 approved
Denial rate
16.2%
40 denied
Decisions
247
2018–2025
Avg. rate spread
+0.73 pp
vs. market benchmark
83.8% approved
16.2% denied

Share of 247 New Jersey applications American Pacific Mortgage Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional86.9% of 145 · NJ 87%FHA79.3% of 92 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

77%82%87%92%97%82%82%83%84%100%80%202020212022202320242025

Pricing

Adjusting for its loan-type mix, American Pacific Mortgage Corporation’s rates ran +0.27 pp higher than the typical New Jersey lender (average rate spread +0.73 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who American Pacific Mortgage Corporation approves

By income
$50–75k81.6% · 38$75–100k74.4% · 43$100–150k83.7% · 86$150–250k89.8% · 49
By debt-to-income
Under 36%90.0% · 8036–43%84.3% · 5143–50%84.0% · 75Over 50%70.0% · 40
By down payment (LTV)
20%+ down83.3% · 10210–20% down83.8% · 375–10% down94.6% · 373–5% down79.3% · 58

Why American Pacific Mortgage Corporation denied applications

Debt-to-income ratio35% of denialsIncomplete application20% of denialsCollateral (value/type)18% of denialsCredit history12% of denialsUnverifiable information10% of denialsInsufficient cash to close2% of denials

Where American Pacific Mortgage Corporation lends in NJ

CountyDecisionsApproval
Ocean County4989.8%
Monmouth County2774.1%

Fees & closing costs

Median total loan costs
$11,183
home purchase
As % of loan
3.40%
NJ median 1.93%
Priced originations
163
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on American Pacific Mortgage Corporation’s home-purchase originations — 1.47 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $150. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by American Pacific Mortgage Corporation (LEI 549300KIOYNU323LVJ37). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →