Mortgage company · complaint record
American Pacific Mortgage complaints
Consumers have filed 153 complaints about American Pacific Mortgage since 2012, 17 of them in the last 12 months. It answered 100% on time and closed 6% with relief for the customer. The most common problem is closing on a mortgage.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 153
- Last 12 months
- 17
- Answered on time
- 100%
- Closed with relief
- 6%
- Last 30 days
- 0
- Rank
- #96 of 595
Since September 2012
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Oct 4, 2026
Most complained-about mortgage lenders & servicers
American Pacific Mortgage complaints by month
The busiest month was July 2021 (6 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Pacific Mortgage answered all time
- Closed with monetary relief106.5%
- Closed with explanation14393.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What American Pacific Mortgage complaints are about
Top American Pacific Mortgage problems
Inside "Trouble during payment process"
- Escrow, taxes, or insurance 1
- Trying to communicate with the company to fix an issue while managing or servicing your loan 1
Where American Pacific Mortgage complaints come from
Most complaints: California (65), Washington (12), Arizona (11), Texas (9), Oregon (7).
American Pacific Mortgage compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Truhome SolutionsMortgages | 43 | 28 | D |
| 3 | NEXA MortgageMortgages | 8 | 28 | F |
| 4 | HilltopMortgages | 51 | 28 | C |
| 5 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 6 | First United Bank and TrustMortgages | 60 | 27 | C |
| 7 | A&D MortgageMortgages | 45 | 25 | D |
| 8 | American Pacific MortgageMortgages | - | 17 | - |
Compare side by side: American Pacific Mortgage vs Midwest Loan Services · American Pacific Mortgage vs Truhome Solutions · American Pacific Mortgage vs NEXA Mortgage · American Pacific Mortgage vs Hilltop
What people say about American Pacific Mortgage
All experiencesNo experiences with American Pacific Mortgage yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Pacific Mortgage complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 4, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 3, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 27, 2026 | Mortgages | Struggling to pay mortgageApplying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | Explained |
| Jul 22, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Jul 14, 2026 | Mortgages | Closing on a mortgageDelays with the closing process | Explained |
| Jul 3, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageApplication denials | Explained |
| Jul 1, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Money back |
| Jun 20, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| May 29, 2026 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| May 5, 2026 | Mortgages | Closing on a mortgageTrying to communicate with the company to fix an issue with the loan closing | Explained |
| Apr 23, 2026 | Mortgages | Closing on a mortgageFees or costs after closing | Explained |
Questions about American Pacific Mortgage
How many complaints does American Pacific Mortgage have?
American Pacific Mortgage has 153 complaints on record since September 2012, including 17 in the last 12 months and 0 in the last 30 days. That makes it number 1,166 of every company by complaints this year.
Does American Pacific Mortgage respond to complaints?
Yes. American Pacific Mortgage answered 100% of its complaints on time (within 15 days) and closed 6% with relief - money back or a fix; 5.9% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with American Pacific Mortgage?
The most common problems are closing on a mortgage (33), improper use of your report (11), trouble during payment process (44).
Is American Pacific Mortgage legit?
American Pacific Mortgage is a real company with a public complaint record: consumers have complained about it 153 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Pacific Mortgage legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against American Pacific Mortgage?
Complain to American Pacific Mortgage in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most American Pacific Mortgage complaints come from?
Most come from California (65), Washington (12), Arizona (11). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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