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Meet APM

At APM, Experience Matters

Every interaction with us as individuals and as a company is crafted with you in mind.

Whether you’re a first-time buyer, refinancing your home, building the home of your dreams, or a seasoned investor, our top priority is to make the loan process as convenient, transparent, and simple as possible. We want you to leave the transaction comfortable that you’ve received the information and options necessary to have made the right decision for your financial future.
We’ve made it our mission to Create Experiences That Matter.

About Us

APM is a top-10 Independent Mortgage Banker with more than 1,700 licensed loan advisors and over 200 branches, serving home buyers across the United States. We’re known for Creating Experiences That MatterTM, and serve our communities, referral partners, and borrowers through our local retail branches with a personal touch and attention to detail.

As a company, we embrace the concept of homeownership with enthusiasm and optimism for America. Every employee at APM knows that every transaction represents a family, a home, and a life decision, and we understand that our participation is a privilege and that our job in the end is to delight everyone involved in the loan process… because, after all, there’s not much more that matters than the human connection and home.

In 2020, we served more than 65,000 customers and funded more than $22 billion in home loans—all while earning more than 70,000 published consumer reviews with an average rating of 4.96 stars!

Meet Our Leadership

Bill Lowman Bill Lowman

Bill is responsible for day-to-day operations of the company.

Bill is responsible for day-to-day operations of the company.

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BILL LOWMAN

Chairman

Ned Payant Ned PAYANT

Ned is responsible for all aspects of production, sales, growth & expansion, and operations for the company.

Ned is responsible for all aspects of production, sales, growth & expansion, and operations for the company.

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NED PAYANT

CEO

Dustin Sheppard_Brick_2023_5 Dustin Sheppard - Hover Aqua@2x_5

Dustin is responsible for all aspects of enterprise production at APM, including overseeing the regional production teams, production technology, production onboarding, recruiting and the corporate loan team.

Dustin is responsible for all of APM production, including regional teams, production technology, onboarding, recruiting, and the corporate loan team.

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Dustin Sheppard

President

Chito Schnupp Chito Schnupp

In Chito's role as CIO, she oversees all elements of pricing and selling of loans.

In Chito's role as CIO, she oversees all elements of pricing and selling of loans.

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CHITO SCHNUPP

Chief Investment Officer

Marty Allred Marty Allred

Marty is responsible for all Compliance oversight including licensing, advertising compliance, disclosures, state and federal examinations and regulations, privacy, ECOA and HMDA, and fair lending.

Marty is responsible for Compliance oversight including licensing, advertising, disclosures, state/federal examinations and regulations, privacy, ECOA, HMDA, and fair lending.

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MARTY ALLRED

Chief Compliance Officer

Melissa Wright_Brick_3 Melissa Wright - Hover Gray@2x-3

Melissa is responsible for driving the success of the corporate retail channel, and leads all aspect of sales, marketing and communication for the organization.

Melissa is responsible for driving the success of the corporate retail channel, and leads all aspects of sales, marketing and communication for APM.

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MELISSA WRIGHT

Chief Sales & Marketing Officer

Michele Bushman Michele Bushman Hover

Michele is responsible for the overall daily operations and strategy of all APM infrastructure, systems, software applications, data, development, technical support and security; supporting the organization at a nationwide level.

Michele is responsible for the overall daily operations and strategy of all APM infrastructure, systems, software applications, data, development, technical support and security; supporting the organization at a nationwide level.

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Michele Buschman

Chief Information Officer

Prateek Khokhar_Brick Prateek Khokhar Hover Mint@2x

Paul is responsible for APM’s finance, accounting and treasury activities.

Prateek oversees all areas of finance, accounting, treasury, payroll, and servicing at American Pacific Mortgage (APM). He also works with senior leadership as a key strategic partner to grow APM’s lending platform.

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Prateek Khokhar

Chief Financial Officer

Chuck Nugent Chuck Nugent

Chuck is responsible for all aspects of compensation risk management, compliance and regulatory matters, personnel counseling, and head attorney for American Pacific Mortgage.

Chuck is responsible for all aspects of compensation risk management, compliance and regulatory matters, personnel counseling, and head attorney for APM.

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CHUCK NUGENT

General Counsel

Sean Lamb Sean Lamb Hover
Sean manages several different fulfillment models, in addition to credit, appraisal, and offshore resources. 

Sean manages several different fulfillment models, in addition to credit, appraisal, and offshore resources. 

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SEAN LAMB

SVP Operations

Kimberley Hocking Kimberley Hocking

Kimberley oversees APM’s Enterprise Risk Management program, BSA/AML, quality assurance, loan originator compensation, branch reviews and all suspicious activity/fraud investigations, among other duties. 

Kimberley oversees APM’s Enterprise Risk Management program, BSA/AML, quality assurance, loan originator compensation, branch reviews and all suspicious activity/fraud investigations, among other duties. 

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KIMBERLEY HOCKING

VP Risk

Demetria Hudley Demetria Hudley

Demetria is responsible for employee relations, workforce management, compensation, and benefits

Demetria is responsible for employee relations, workforce management, compensation, and benefits

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Demetria Hudley

VP Human Resources

Jason Ponsonby Jason Ponsonby Hover Blue
Jason oversees his team’s growth initiatives and leadership strategies, with a focus on technology implementation.

Jason oversees his team’s growth initiatives and leadership strategies, with a focus on technology implementation.

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Jason Ponsonby

SVP Production

Michael Guidotti Michael Guidotti - Rollover Green
Michael’s vast experience and focus on growth help him excel at integration, technology utilization, financial health and production expansion.

Michael’s vast experience and focus on growth help him excel at integration, technology utilization, financial health and production expansion.

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Michael Guidotti

SVP Production


Creating a Community

There are lots of things that matter to us, but creating and nurturing a community of people who work together to deliver the American dream to our customers is what we're most passionate about. 
Check out some of what we're up to.
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The APM Difference

We are committed to providing a great place to work, enabling the next generation of loan advisors, and giving our employees the tools and environment they need to grow their careers and thrive