From helping Americans realize the dream of homeownership to the personal stake every employee has in bringing those dreams to reality, ownership is a key concept at American Pacific Mortgage.

APM is focused on making its branch managers and originators look good by delivering the necessary support to protect consumers, operate compliantly, and win business in today’s competitive marketplace.

The lender provides solutions-oriented results with straight answers and a commitment to exceptional service. It offers a deep product mix along with timely support and dynamic pricing strategies that are regularly benchmarked to assure they are competitive and relevant.

“Our business is built on our ability to anticipate changes in the industry and to offer solutions ahead of the curve,” said Leif Boyd, executive vice president of national production.

“This forward-thinking approach gives our loan officers a key competitive advantage in the marketplace and our strong, steady growth is a testament to the value we offer.”

APM’s company culture and core values, which include respect, transparency and being scrappy, guide its actions, voice and presence in the mortgage industry.

APM leadership is excited about two key initiatives. The first is its office of diversity, which is focused on diversity, inclusion and multiculturalism in both its hiring and lending practices.

The second is its mobile technology platform. Although APM originators have always been unleashed from their desks, the new APM mobile app gets originators in front of borrowers and referral sources like never before. The mobile app provides a single sign-on portal that provides real-time updates, faster communication with borrowers, always-available loan milestone progress and secure document transfer, as well as state-of-the-art mortgage calculators. APM is committed to leading the industry in technology resources that empower loan officers to provide the best customer experience possible for getting a home loan today.

APM believes the biggest opportunity lies with taking the lead on the shifting consumer dynamics as the next wave of Millennial homebuyers arrives. Increasingly, the consumer is starting the loan or home search process online. They are self-sourcing information and going much further in the process without guidance.

“Our role is to insert ourselves into the conversation by providing value and relevant content to make us a trusted resource as the consumer goes through the buyer’s journey,” Boyd says. “We are leveraging inbound and social media marketing methodologies to earn the attention of our target customers. We are also aligning the expertise and content we provide with our customers’ interests so that we can deliver for them over time and earn their trust and loyalty.”


KurtKurt Reisig, Chairman

As chairman of APM, Kurt Reisig has led the company since inception and through its steady disciplined growth over the last 18 years. His focus and vision have created a strong culture of service and a fierce commitment to sustainability. Reisig believes in the concept that production and producers are the fuel that drives American Pacific Mortgage and that his role in the organization is to serve producers, serve the clients and deliver high-quality performing loans to the market. He is committed to doing so in an open and transparent environment, always offering stakeholders clarity and honesty in his dealings.

BillBill Lowman, CEO and President

As CEO, Bill Lowman leverages more than 25 years in the mortgage industry to better serve the customers and employees of the APM family. He offers a wealth of knowledge and expertise in the areas of mortgage banking leadership, organizational and cultural development. Lowman drives APM’s strategic plan, which includes production, operational efficiency and preserving the APM culture. He is an active member of the Mortgage Bankers Association and the California Mortgage Bankers Association. Lowman also serves on the MBA Independent Mortgage Bankers Executive Council and is chairman of the 2016 Western Secondary Marketing Committee. He serves on the Freddie Mac Independent Mortgage Bankers Advisory Board.

DaveDavid Mack, Chief Origination, Practices Officer

At his core, David Mack is a champion for loan originators, ensuring quality service and efficiency along every step of the way. He founded American Pacific Mortgage with Kurt Reisig in 1996 as principal
and chief operating officer. He still oversees many aspects of operations, including more than 1,500 employees and over 170 branches in 14 states. He also coordinates departmental interaction and issues policies and procedures for all American Pacific Mortgage staff and affiliate branch operations.