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Company Type

Mortgage Bank


$50 Million

Investment Type



American Pacific Mortgage (APM) is seeking $50 million of equity/debt for strategic roll-up acquisitions of distressed mortgage banks to grow their platform originating, selling, and servicing residential mortgage loans  in the US.

APM has originated over $143 billion of home loans, including conventional, federal housing administration, jumbo, first time homebuyers, USDA, Section 184, CalHFA, VA/CalVet, manufactured housing loans, and refinancing options

Founded in 1996; based in California; licensed in 49 states plus the District of Columbia

Approved as a Title II, non-supervised direct endorsement lender with the US Department of Housing and Urban Development (HUD)

Approved issuer with the Government National Mortgage Association (GNMA), as well as an approved seller and servicer with the Federal National Mortgage Association (FNMA) and Federal Home Loan Mortgage Corporation (FHLMC)


The mortgage banking industry is extremely distressed (perhaps the worst ever) and there are many strong platforms that are struggling to survive

APM expects to expand its market reach through strategic acquisitions

The current shake out in the mortgage industry has created a once in 40-year opportunity to consolidate the industry

Legacy owners of independent mortgage banks have substantial balance sheets as a result of the massive years of 2020-2021, yet today they cannot become profitable, nor can the owners harvest their entire balance sheets

The only means to harvest their balance sheets is to close or roll up under an APM entity

Solution/ Strategy

APM expects to expand its market reach through strategic acquisitions

By rolling up into APM, target platforms can:

  • dramatically reduce operating costs and perpetuate and monetize their valuable salesforces
  • wind up of their companies and harvest their substantial balance sheets

Ripe Environment

There are roughly 500 independent mortgage banks in the industry

Management expects that less than 400 will remain by mid-2024

Today the environment is highly competitive with not enough business to go around

High rates have decimated the normal refinance market and historically low inventory has limited the ability for qualified borrowers to get into contract

A national lender licensed in 49 states with more than 350 branches & 1,800 loan advisors
Consistently ranked a Top Retail Lender  Most Loved Employer
Remain 100% Focused on making our branches & originators look good
We serve our producers treat them as our customers
Create Experiences that Matter
Operate our company under the values of Respect, Transparency & Scrappy
To care for our employees & our communities through our non-profit APMCares
Over 360,000 customers served
More than 130k reviews with 4.9+ average rating
World Class NPS scores from our employees

Meet Our Leadership Team

Kurt Reisig

Founder & Chairman

Responsible for:

Overall company performance, ESOP management, APMCares & strategic opportunities

Bill Lowman

Vice Chairman

Responsible for:

Company direction, balance sheet & P&L management & key counter-party relationships

Ned Payant


Responsible for:

Strategic plan & direction for the company, risk management, operational efficiency & preserving the culture of APM

Dustin Sheppard


Responsible for:

Growth & expansion, revenue & sales goals, success of our producers & branch officer across the country

Learn More About American Pacific Mortgage
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Hi. We're not around right now. But you can send us an email and we'll get back to you, asap.

Thanks, Ken

Ken Margolis | Managing Partner Castle Placement, LLC
1460 Broadway Street, Rte 400
New York, New York 10036
(212) 418-1188 | C: (516) 712-7784