American Pacific Mortgage Celebrates 30 Years of Impact, Growth, and Innovation

ROSEVILLE, Calif., March 16, 2026 — Today, American Pacific Mortgage (APM), a top-10 independent mortgage bank and employee-owned company, celebrated its 30-year anniversary, marking three decades of empowering homeowners, supporting communities, and helping mortgage professionals build lasting businesses.

Founded in 1996, APM began with a clear vision: to create a company that puts branch managers, originators, and customers first while building for the long term. What started as a small, entrepreneurial venture has grown into a national platform with a footprint spanning across the country.

Over the past 30 years, APM has navigated multiple market cycles with resilience, strength, and discipline. From the Great Recession to rapid market shifts and industry consolidation, the company has remained focused on stability while continuing to expand and invest in its people.

“This is a huge milestone for our company,” APM Chairman Ned Payant said. “Our founders built this company differently. They built it around the people of APM and to withstand the test of time, and that shows in how we’ve navigated the changing markets over the years with resilience, strength, and stability. In the mortgage industry, that’s no small feat. We’re incredibly grateful for the foresight of our founders and for the many team members who have been with us on this 30-year journey, as well as the new teammates who continue to join APM and shape our future.”

Over three decades, the company has strengthened the communities it serves while helping thousands of families achieve homeownership and build generational wealth. At its core, APM is committed to creating experiences that matter for its customers and communities. Through APMCares, its nonprofit initiative, APM has extended its impact beyond lending by supporting employees, families, and charitable organizations nationwide.

In 2021, APM made one of the most defining decisions in its history by launching one of the largest employee stock ownership plans (ESOPs) in the mortgage industry, becoming a 49% employee-owned company. This structure reinforces APM’s commitment to shared success, accountability, and long-term stewardship.

“Thirty years of serving our customers and building meaningful careers is worth celebrating,” CEO and President Dustin Sheppard said. “It’s an opportunity to reflect on where we’ve been, reconnect to our values, and look ahead to our future. The difference APM has made in so many people’s lives is something we’re incredibly proud of—and we’re just getting started.”

As APM enters its fourth decade, the company continues to focus on innovation, growth, and leadership development. With continued investment in technology, including AI-driven solutions, and a commitment to empowering entrepreneurs, APM is well-positioned to support the next generation of mortgage professionals.

“Thirty years is not the destination,” Payant said. “It is the foundation for what comes next.”