THIS IS APM
Making a move is a huge decision that
APM does not take lightly.
We foster a culture of support, inclusiveness, and
empowerment for all of our employees, and are
100% focused on doing whatever it takes to make
our branch managers and loan officers look good
in the eyes of the consumer. Backed by an industry-
leading culture, APM provides the tools, products
and resources needed to instill confidence and
craft the best possible loan experiences and solutions
to your customer. Employees are empowered to take
a solutions first mindset whenever we face
challenges and to always be asking: “Will this support
our branch managers and loan officers?”
Additionally, APM will always be a place where
DBA branches feel welcome, where they feel
they belong, and where they are able to grow and
THIS IS APM
Our values establish the behavior of the APM brand and capture key tenets of our organization. Simply put, they define how we act. They
guide us in our efforts, voice and presence in the industry and remind us how we act as APM employees, ensuring our brand is communicated at every level.
We do the right thing. We understand that what We always provide straight talk and responsible We are determined, resourceful and relentless
we do matters. We serve our customers with communication. We will get directly to the in our approach to serve our customers.
our full attention, intention, and purpose at all heart of the issue, and communicate clearly, We have a solid strength of character and
times. Sensitive matters will always be treated completely, and relevantly. We believe in
with sensitivity, and we will always exercise are willing to fight for what is right. We are
good judgment to make the honorable choice. delivering information that you need to know proactive in seeking solutions. We are tenacious
Your time, your business, and your dream of when you need to know it, and are willing to
homeownership is important to us. have the difficult conversations if needed. We and will not quit. We will do what it takes to
endeavor always to share information and earn make sure we get loans funded.
WE ARE: Honorable, Noble, Intentional,
Dependable, Caring, Inclusive our customer’s trust. WE ARE: Determined, Clever, Resourceful,
Adaptive, Forward-thinking, Resolute
WE ARE: Clear, Approachable, Direct,
Trustworthy, Insightful, Concise
THIS IS APM
WHO IS APM?
A Top 12 national Independent Mortgage Banker, established in 1996 by
originators for originators. We are nimble in our day-to-day operations and fanatical about the
level of service and support we provide our local branches and loan team.
Building WE ARE
Known for valuing the human connections; we understand people matter
with OUR EMPLOYEES, A top-12 national independent mortgage banker
borrowers, AND 100% focused on making our branches and loan officers look good
Rated a best place to work by our employees year after year
CHAIRMAN Home buyers and homeowners through our local retail branches
Military, first responders and medical personnel with loans specifically
designed with them in mind
Credit challenged, self employed, and passive income earners
Jumbo markets, rural, suburban and urban properties
Builders, renovators, investors and unique property buyers
A culture of empowerment and a solutions-first mindset
Speed of transaction through cutting edge technology
An abundance of tools & resources to support our branches and loan teams
Professionally trained and qualified sales force
THIS IS APM
APM BRAND VISION
OUR VISION We are not a
At APM, our brand vision is Creating Experiences That company. We are about
Matter TM. In every interaction with us as individuals and as a the human connection
company, we let our customers and consumers know that they matter. between our loan officers
and consumers. At the
At APM, our customers are our loan officers, branches
and loan team – those serving their local communities end of the day, we
in delivering homeownership. We are committed to providing create experiences that
experiences that matter to our employees each and every day. Our
local branches are committed to deliver experiences that matter to the matterTM.
CEO & PRESIDENT
APM is 100% focused on making producers look
good to consumers with the culture, resources and tools
to thrive and deliver an outstanding loan experience.
Our collective battle cry is to create individualized and
personal experiences for every home loan that we
THIS IS APM
BY THE NUMBERS
2014-2019 2013-2019 2012-2018 2015-2019 2019
With $22.4 billion* in production, we are a purchase-focused retail mortgage
lender with a strong record of achievements, including being rated as one of the best and most
rewarding places to work year after year. We are an ideal company for entrepreneurial mortgage
producers, as we have built much of our retail platform on dba branches and independent regional
$22.4 We recognize that adaptability and tenacity are
central to remaining successful in today’s industry and
BILLION believe it is our duty to serve our employees and our
communities through delivering experiences that matter.
THIS IS APM
BUSINESS WHERE YOU NEED IT
Roseville 1&2, CA
Licensed with branch(es)
151 LICENSED IN BRANCHES IN 3,474
DESK RENTAL 49 25 TOTAL
THIS IS APM A STRATEGIC PLAN
Having successfully navigated stormy We are a Top 12 Independent Mortgage Bank and a direct lender to Fannie Mae, Freddie Mac and
times in our industry and economy Ginnie Mae. This results in more open guidelines without additional overlays.
for nearly 25 years, we have become the
company of choice for mortgage originators We are a company led by originators, for originators.
who recognize that adaptability and tenacity are
central to remaining successful in today’s We serve homebuyers and homeowners through our local retail branches. We are 100% focused on
industry. We have proven that a company can your success.
execute impeccably and retain its appreciation for
the producers who fuel the industry. We provide an abundance of tools and resources to support our branches and loan teams.
APM is relational in our approach to our We offer a robust portfolio of products and we maintain wholesale lending relationships, assuring our
employees and our customers. Our company is originators the availability to all the products their clients need.
guided by leaders who have had hands-on
experience as loan originators. This gives us We help our originators and branch managers craft successful strategic business plans each year.
a unique perspective on generating new
business and delivering experiences that matter. We value the human connection and understand that people matter.
THIS IS APM $22.4 Billion in Production
A HISTORY OF GROWTH
APM’s Production Highlights
1996-2006 2007-2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
THIS IS APM
THE APM ADVANTAGE
APM offers two proprietary programs to provide security and ease of business to our customers.
has helped my
business by allowing me to
close loans quickly. By closing
quickly I’ve been able to beat
out other banks and help with
combating interest rates.
Keys On Time Program Kyle Wright SecureLock Program
President club winner
APM provides full underwriting loan approval on Gilbert, Arizona Lock your customer’s rate up to 12 months to
a TBD property, providing accurate underwriting secure peace of mind. With our SecureLock
and assurance of a loan commitment. * program, you can lock in today’s competitive
rates while your borrower shops for a home,
Includes: sells their home, or while their home is under
Most APM Products construction. You can also take advantage of a
First Time Home Buyers one-time float to market if rates improve prior
Owner Occupied to signing of loan documents. If rates go up,
Investment/Second Home Property Types your borrower is secure!**
Single-Family Residences and Condominiums
*Not available in Oregon. The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally
stated close of escrow date. The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly
low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The “Keys on Time” limited
guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse
mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.
**To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Eligible in all states where APM is licensed. Not all programs apply, contact us for more details.
THIS IS APM
THE APM ADVANTAGE
APM’s exclusive lead nurturing platform.
Converting leads into sales ready opportunities for our branches
We built state-of-the-art technology that responds to lead opportunities within seconds
We have virtual, trained assistants to nurture leads and assist loan officers and real estate agents with response and tenacity
We support loan officers through working their purchased leads, open house/event or other various prospects
We partner with your real estate agents, offering services to manage and convert leads into opportunities
We return all sales ready opportunities to you – live transfers available too
We nurture leads for up to 18 months
We help you win in getting to the consumer first!
THIS IS APM
BUILD YOUR BUSINESS
Take advantage of APM’s production platforms & find new opportunities for your business to thrive.
Winning With Winning With Winning With Winning With
Credit Unions & Small Banks Fixer Uppers Builders & New Construction Realtors & Brokerages
Contact us for more details
THIS IS APM
INVESTING IN PRODUCTION
MARKETING TECHNOLOGY TRAINING
Originators at APM have a variety of marketing APM is an innovator in providing our branch The mortgage industry is ever-changing, and
tools at their disposal. From automated, managers and originators the technology APM is dedicated to helping our originators
database-driven marketing campaigns to needed to thrive in today’s market. From be prepared and educated so they can be the
lead source to loan closing, the APM best they can be. Our Training Department is a
co-branded realtor partner materials, social one-stop-shop for all your training needs,
media support, publishing online reviews Edge technology suite provides a competitive including our CRM marketing system, new
and even custom-made collateral, there are advantage to your real estate partners and product releases, skills training and technology
numerous ways for originators to build consumers with mobile optimized processes and
their business and reinforce existing improved communications resulting in effortless advancements.
transactions that will earn you rave reviews
relationships. APM also provides business-building
and repeat customers. trainings through our summits, symposiums,
business planning and other specialized boot
camps during the year.
THIS IS APM
BRANCHES ARE OUR BUSINESS
We’re fanatical about supporting several different branch models, and pride ourselves TURNKEY SOLUTIONS
in providing top of the line marketing, communication, production and ancillary support for several We offer a variety of services and resources
models of business. so you can focus on generating revenue.
At APM, we value both the APM-brand, as well as the personal, local brands or dba models. For us it’s Ask for more information.
all about the communities we serve and operating in the most successful way possible. APM will always Mortgage Banking Partners
be a place where DBA branches feel welcome, where they feel they belong, and where they are able to Multiple Investor Options
grow and thrive. Licensing & Compliance Management
We offer several branch models: Loan Processing
Corporate Branch • Enterprise Branch • Entrepreneurial Plus • IMB Platform Accounting/Payroll
Custom AMC Solution
Client Database Marketing
Employee Benefits Management
Branch Modeling Consultation
Robust Training Curriculum
Transparent P&L reporting
Cutting-edge technology platform
THIS IS APM
BRANCHES ARE OUR BUSINESS
At APM we offer several branch models, including operating under a DBA and preferred personal brand.
…and many more
dba’s & brands not listed
THIS IS APM
American Pacific Mortgage hosts 5 regional summits annually each Spring. These
events are strategically located throughout our footprint to enable our managers and loan
officers to attend one that is conveniently located. We encourage any guest or prospect to
join our Summits.
Summits are a one-day event, packed with leadership messages, sales tactics,
new tools and programs, and an overview of the company’s strategies for the coming
Summits provide breakout sessions to give attendees an opportunity to dive deeper into
specific ways to increase and manage their business. We also have a specific
manager session crafted to provide transparent leadership discussions and information
for them to thrive in our local branches..
We hold an annual Symposium every Fall where all loan officers and managers are
gathered in a company-wide event. This is a two-day event, packed with networking
opportunities, leadership messages and several key note speakers in our general sessions
– focused on both personal and professional areas of development.
Our breakout sessions are plentiful, and provides a variety of relevant topics related to
sales strategies, tactics and tools to help our producers win every day. For two days our
sales teams gather for instruction, coaching and celebrating.
Guests and real estate agents are encouraged to attend, knowing they will walk away
with relevant, and significant understanding of the APM Experience.
THIS IS APM
At American Pacific Mortgage, we know that it’s not what you say, but what you
do that is important. We serve, because we love our communities– and that’s the reason we
Our mission is to serve the needs of individuals, families, and communities where we live and work.
Encouraging and inspiring our core belief that people matter.
What is APMCares?
The APMCares Foundation was created so we could empower and serve individuals and families
in our communities by providing the means for employees and partners to serve through financial
and/or time donations.
Since 2016, we have raised more than $1.4Million, and have made donations throughout the
communities we serve. In addition, our employees have donated thousands of volunteer hours to
organizations in their local markets.
COMMUNITY OUTREACH FAMILY SUPPORT
A Community Outreach donation is used A Family Support donation will be used to
to support a nonprofit organization, charity provide assistance to those in the APM Family
or private foundation which aligns with who are currently struggling due to a recent
APMCares’ mission. Each donation will medical, financial or bereavement hardship.
empower and serve individuals and families Additionally, we can offer help for family tragedy
in our local communities by providing or events that disrupt lives and incomes. Your
resources related to shelter, food and clothing. generous donations will help make a positive
(Examples: Habitat for Humanity, Loaves and impact on the lives of those adversely affected
Fishes.) and will help strengthen the bond we share here
at American Pacific Mortgage
THIS IS APM
THIS IS APM
DIVERSITY, EQUITY & INCLUSION
APM’s Diversity, Equity & Inclusion Strategy encompasses all areas of the company including
Marketing • Recruitment • Partnerships • Vendor Management • Loan Products & Services • Engagement & Development
About the Office of Diversity
The Office of Diversity was created in 2016 and developed from the commitment of APM
leadership to engage and develop partnerships within all communities. The initiative is fueled by the
mission to provide access to homeownership for all, and the strategy to achieve this mission is
embraced by each employee at APM.
The mission of the Office of Diversity is to promote social and economic equity by creating a
diverse workforce and providing underrepresented communities with access to homeownership. By
equipping our APM teammates to serve all staff and communities, we can realize our goal to reflect
the local communities we serve and to exceed our peers in serving underrepresented groups.
We believe that in doing this, APM stands out as a social and economic leader while actively
supporting social and economic success for our communities.
Do You Serve Underserved Communities?
We want to partner with you!
We support our loan officers as they serve underserved communities. If you are looking for a
company that shares your values and supports you every step of the way, look no further!
MEET OUR TEAM
OUR EXECUTIVE TEAM
KURT REISIG | CHAIRMAN
As Chairman of American Pacific Mortgage, Kurt has led the company since its inception and through its growth over the last 25 years. His focus
and vision have created a strong culture of service and a fierce commitment to sustainability. Kurt’s commitment to the concept that production and
producers are the fuel that drives our business is legendary, as is the open and transparent environment he fosters.
Prior to launching APM, Kurt ran his own retail branch, Big Valley Mortgage, which is the largest, most successful branch in the company today. Twice
monthly you can find him standing up in front of a camera filming his latest installment of “The Loan Warrior,” or delivering business building strategies
and tactics to our 1000+ originators.
Kurt was instrumental in creating the APM Cares foundation, driven by his relentless desire to do good in the communities we serve.
BILL LOWMAN | CEO
Bill began his career with American Pacific Mortgage in 2002 and served as President from 2004 to 2020, and has been serving as CEO since 2016.
As CEO, he drives APM’s Strategic Plan including production, operational efficiency, and preserving the APM culture, and is responsible for the overall
financial performance of the company.
Bill is an active member of both the Mortgage Bankers Association and the California Mortgage Bankers Association and serves on the MBA IMB
Executive Council and is Co-Chairman of the IMB Network. He is a Board Member of the California Mortgage Bankers Association and is the Chairman
of the 2016 Western Secondary Marketing Committee, and serves on the Freddie Mac Independent Mortgage Bankers Advisory Board. Internally for APM,
Bill sits on the Board of APMCares, a charitable entity which provides financial assistance to our APM families in times of need, as well as community
outreach programs focused on delivering housing opportunities and homeownership in America.
NED PAYANT | PRESIDENT
Ned joined American Pacific Mortgage in 2010 to lead the company’s growing Mortgage Banking Operations. He served as EVP of Operations for 7
years, then lead Enterprise Production for 2.5 years. In his production role, Ned led with a “solutions first” mentality, strengthening our market position
with healthy branches and strategic growth. In 2020, Ned was promoted to President. With more than 30 years of management experience in the
mortgage industry in both production and operations, Ned has created an outstanding work environment for both corporate and branch staff. He believes
strongly in delivering a world-class service to branches, originators and their clients.
Before coming to APM, Ned was Senior Vice President of Retail Banking for Pacific Mercantile Bank in Costa Mesa, CA and before that he spent 7 years
with IndyMac Bank as Regional Vice President for Northern California.
OUR TEAM KEITH BECHER
OUR EXECUTIVE TEAM CHIEF OPERATING OFFICER
DAVID MACK Keith joined American Pacific Mortgage
in 2013 as Senior Vice President of
CHIEF ORIGINATION Strategic Initiatives and took on the
PRACTICES OFFICER role of Chief Operating Officer in 2016.
David is a champion for loan originators, As a member of the executive team at
ensuring quality service and efficiency every APM, Keith is responsible for technology
step of the way. He co-founded APM with operations including infrastructure, program
Kurt Reisig in 1996, and continues to support management, strategic initiatives and change
our branches and loan officers through management. Keith is also responsible for
ensuring they receive our 100% focus. He Internal Audit, Vendor Management, Interim
still oversees many aspects of operations, Servicing and Subservicer oversight.
including efficiencies and best practices
to ensure our producers win every day. MARTY ALLRED
David’s passion towards homeownership
and creating experiences that matter are felt CHIEF COMPLIANCE OFFICER
in his daily interactions, as he supports our
employees in all strategic endeavors. Marty joined American Pacific Mortgage
in 2002 with a focus on mortgage
GLORIA FILLMON compliance, operations and licensing. As
CCO, Marty is responsible for all aspects
CHIEF RISK OFFICER of mortgage lending compliance for nearly
200 branches and over 1,000 licensees
Gloria joined American Pacific Mortgage across the country. She has been heavily
in February 2015 as Chief Compliance involved in both the California and National
Officer, having spent the past 25 years Mortgage Bankers Associations as well
concentrating on managing and directing as active in several compliance related
regulatory compliance for nationwide industry committees across the country.
mortgage banking operations. She currently
is a member of the American Association
of Residential Mortgage Regulators,
Mortgage Bankers Association of America,
California Mortgage Bankers Association,
and serves on the MBAA State Legislative
and Regulatory Compliance and Fraud
OUR TEAM CHUCK NUGENT
OUR EXECUTIVE TEAM GENERAL COUNSEL
CHITO SCHNUPP Chuck has served as Human Resources
and Compensation Risk Manager as well
CHIEF INVESTMENT OFFICER as General Counsel to American Pacific
Mortgage since 2003. His responsibilities
Chito joined American Pacific Mortgage include all aspects of business relationship,
in 2009 as EVP of Capital Markets. In her including compliance and regulatory
role as CIO, she oversees all elements of matters, risk management, personnel
pricing, loans and selling of loans. Her counseling, and direct involvement in all
passion for the mortgage industry, APM litigation matters. He is a member
relationship building, both at the investor APM’s Senior Management Team and
and agency levels, and keen ability to admitted to practice before all the state
develop innovative solutions for producers and federal courts in California.
make her an exceptional asset to APM.
In 2018, she was recognized by National
Mortgage Professional Magazine as one
of Mortgage Banking’s Most Powerful
VP HUMAN RESOURCES
Demetria joined American Pacific Mortgage
to lead the Human Resources team in
2020. Demetria has extensive experience
in leadership, coaching, workforce
management, strategic planning and
culture development. In her role at APM,
Demetria is responsible for all aspects of
employee relations, staffing and workforce
management, benefits, compensation, and
OUR TEAM MELISSA
OUR EXECUTIVE TEAM
EVP OF PRODUCTION
SHEPPARD Melissa Wright joined APM in 2015 and is
responsible for the growth & expansion of
EVP OF PRODUCTION the APM footprint. She is passionate about
people, and building high-performance,
Dustin has been in the mortgage industry quality teams that serve our customers.
for more than 18 years and has a passion Today she also oversees our marketing
for helping companies and individuals department, crafting strategies that
reach their highest potential. After 6 promote the values & culture of APM, as
years leading one of APM’s top branches, well as providing tactics & approaches
Dustin became APM’s EVP of Enterprise that drive the sales opportunities for our
Production in December 2020. In his originators.
role, Dustin leads a production team
that was created to support loan officers Prior to joining APM, she was formerly the
and help build and grow our Enterprise President of Axiom Financial, a company
branches. Dustin oversees the regional she co-built in 1996. She has been
production teams, production technology, recognized as a 7-time winner Best of
production onboarding, recruiting and the State and 100 Most Influential Mortgage
corporate loan team which supports central Executives in America.
processing, integration, out-of-state and
JOIN OUR TEAM
We exist to serve our
Does your company value you TINA
by doing the same? SINGLETON
We understand that making a change is a big decision. We are REGIONAL RECRUITER & BUSINESS
happy to have a confidential conversation with you, wherever DEVELOPMENT
you are in the decision-making process. Feel free to reach out
via phone or email at your convenience. C: 760.707.8894
E: [email protected]
JOINAPM.com A: 3000 Lava Ridge Ct., Suite 200
Roseville, CA 95661