Roseville, CA · Independent non-bank lender · CFPB · 24,783 loans in 2025
24,783
loans originated, 2025
34,243
applications, 2025
50
states and territories
1
gaps bigger than at similar lenders
How to read this section
For Black, Hispanic and Asian applicants, we look at how much more often American Pacific Mortgage turns them down than White
applicants: the gap. Then we compare that gap with the gap at similar lenders, for similar applications: the same
income, loan size, debt-to-income range, loan-to-value, loan type, kind of property and place.
"Bigger gap" means we are at least 99% sure the gap is bigger than at similar lenders. That is a reason to look
closer, not proof of discrimination. The public data has no credit scores and none of the documents a lender
reviews, and the kind of loans a lender makes can widen a gap for good reasons. Each result below gives the numbers
and the explanations they allow.
FIG. 1 — GAPS AGAINST SIMILAR LENDERS
American Pacific Mortgage's gap is bigger than at similar lenders for Black purchase applicants.
Each dot compares American Pacific Mortgage's gap with the gap at similar lenders: at 1x they are the same, at 2x its gap is twice as large. A gap is how much more likely the group is to be turned down than White applicants. The line around each dot shows the range the true value probably lies in (95%). Amber: groups where we are at least 99% sure the gap is bigger.
SOURCE: FFIEC HMDA 2025; JENNER ANALYTICS NATIONAL DENIAL MODEL
Black purchase
American Pacific Mortgage's gap for Black purchase applicants is bigger than at similar lenders.
How sure we are that the gap is bigger than at similar lenders: over 99.9%.
Of the purchase applications it decided in 2025, it turned down 17% of 1,697 from Black applicants and 5% of 10,334 from White applicants. The most common reason: too much debt for the income, given for 32% of the Black applicants turned down and 28% of the White applicants turned down.
American Pacific Mortgage mostly lends to people buying a home. No single reason explains its gap: too much debt for the income, poor credit history and incomplete applications are all given, credit history somewhat more often for Black applicants (17% of those turned down, against 10%).
The public data has no credit scores, savings or full credit histories, so our comparison cannot allow for them. A difference in them between the groups applying would produce a gap like this one.
FIG. 2 — REASONS FOR TURNING APPLICANTS DOWN, 2025
Why applications were turned down, beside White applicants at the same lender.
Each bar is 100% of the applications the lender decided for that group; the coloured part was turned down, split by the main reason the lender gave, and the rest were approved. Applications the applicant withdrew are not counted.
SOURCE: FFIEC HMDA 2025, FIRST REASON GIVEN
Applicants
Turned down: group
Turned down: White
How sure the gap is bigger
Result
Hispanic purchase
9%
5%
81.1%
Not clearly bigger
Hispanic refinance
30%
16%
90.8%
Not clearly bigger
Black purchase
17%
5%
over 99.9%
Bigger gap than at similar lenders
Black refinance
35%
16%
97.6%
Not clearly bigger
Asian purchase
9%
5%
97.1%
Not clearly bigger
"How sure the gap is bigger": how sure we are that the lender's gap is bigger than at similar lenders. We call it bigger at 99% or more.
Not tested, too few applications: Asian refinance. A test needs, for that loan purpose, at least 100 decided applications from the group and from White applicants, with at least 20 of each turned down and 20 approved.