Why are branch managers leaving money on the table? They’re trapped in one-size-fits-all business models that kill their flexibility and cap their earning potential.

At APM, we believe that mortgage branch models should support your vision, not the other way around. That’s why we offer flexible branch models tailored to your growth goals and how you want to lead in your market.

Ready to find out how a partnership with APM can put you in the driver’s seat?

Your Branch Model Changes Everything (and We Mean Everything)

Perhaps in the past, you thought your branching model was just a business detail. However, your choice as a mortgage lender determines whether you’re building wealth or just staying busy.

Maximize your earnings 

Some models put a ceiling on your upside. Others create transparent pathways to maximize earnings based on performance. How branch managers are compensated is key to your long-term wealth.

Attract top talent 

Your branching model shapes scalability for every loan officer and mortgage broker on your team. Top talent aren’t looking to just join companies; they look for leaders who offer clear growth paths. Your model either attracts the best or repels them.

Stay flexible 

When interest rate environments shift rapidly, you need the agility to pivot fast. Rigid structures leave you watching opportunities pass by.

Why does APM’s approach work differently? Our open architecture allows you to evolve your branching model as your business grows. We’ve designed three distinct paths to support your goals, style, and ambitions.

APM Retail Branch: Your Fast Track to Success

Want to focus on closing mortgage loans while someone else handles the operational headaches? This is your model.

Focus on production 

APM absorbs operational risk so you can focus on what makes money: production and team-building. You are liberated from compliance nightmares and licensing headaches that might otherwise divide your attention.

Increased profit potential 

Many of our branch managers have increased their income when freed from administrative burdens. Pure focus equals better results.

Perfect for growth-focused leaders 

This model works exceptionally well for rising loan officers ready to step into branch management without operational complexity. It works perfectly for established mortgage brokers who want enterprise support without the headaches. And it’s essential for leaders in competitive markets where speed to market determines who wins the deal.

Real results from real people 

Chris Hodges runs branches across Colorado and wishes he’d joined APM sooner. “They tried to recruit me for five or six years,” he said. “I regret every moment of that.” 

His results? “It’s been a lot easier to scale based on the tools and support APM provided. When I wanted to expand, the question was how, not why.”

Enterprise Branch (DBA): Keep Your Brand, Amplify Your Power

Ready to grow your mortgage branches quickly while maintaining laser focus on production?

You’ve built something special. Perhaps you have local brand equity that drives real results—why give that up?

Best of both worlds 

With the Enterprise model, you get all the perks APM has to offer while operating under your established brand.

Complete visibility into revenues and expenses? You’ve got it with our branch P&L model.

The local reputation that drives your market strategy? You keep it.

The operational efficiency of an established mortgage company? Now you have that, too.

Complete control over your team 

You maintain complete control over branch-level staffing and loan originator recruitment. Culture and team chemistry drive long-term success, and you know your market better than anyone.

Plus, you’ll have access to APM’s full loan product portfolio and competitive interest rate pricing. Never lose another deal due to product limitations.

Built for market leaders 

This approach works perfectly for mortgage brokers and branch managers who understand that their local reputation is their competitive advantage.

You maintain control over branch operations. APM handles the licensing, compliance, and back-office complexity that usually limits net branching growth.

Scale your success 

Planning multi-market expansion? Need a branching model that scales with your ambitions?

The Enterprise model is built for leaders who’ve established strong local networks and want to leverage that foundation for regional dominance.

Your brand, our engine, your success.

Divisional Model: IMB Advantage

Ready to operate with complete autonomy while keeping enterprise-level support? The Divisional model is for independent mortgage banking leaders with proven track records who are ready to scale:

• Cash in your equity: Now could be the right time to finally cash in on years of hard work.
• Reduce risk: As an owner, you’ve guaranteed virtually all business activities at your company. Let APM take on the liabilities so you can take your money off the table.
• Maintain your brand: Enjoy the extensive perks of an APM partnership while maintaining your autonomy, company identity, brand, and reputation.
• Grow the way you want: Partnering with APM allows owners to concentrate on expanding business and driving innovation without the added pressures often accompanying operational demands.
• Leverage our team: Legal, HR, continued investments in technology and resources, securing warehouse lines, and managing additional risks—APM has you covered. Our comprehensive support enables you to focus on running and growing your company without being hindered by administrative costs and burdens.
• Access your equity: Free up assets currently tied up in securing business warehouse lines or pledged to meet regulatory net worth requirements.
• Secure your legacy: Collaborating with APM offers a chance to create a lasting legacy. Leverage our well-established reputation and industry knowledge to ensure your business flourishes and remains successful for many years ahead.
  
  

Scale without limits 

Planning significant net branching expansion? Managing multiple mortgage branches across different markets? The Divisional model is built for leaders who think big and execute bigger.

This is true collaboration for long-term success in the mortgage industry.

Become Employee-Owners 

No matter which path you choose, when you partner with American Pacific Mortgage, you and all your full-time employees become eligible to participate in our employee-stock ownership program, aligning your interests with those of all APM employees and building wealth in a novel way.

Download our employee stock ownership plan (ESOP) guide here.

Your Future Is Calling—Which Path Will You Choose?

Are you building a branch that works for you, or one that follows someone else’s playbook?

Whether you’re focused on immediate production growth or creating a regional mortgage lending empire, APM has a model designed for you.

Your future in the mortgage industry is calling. Take control of your next chapter. 

Are you ready to discover how APM can help you build the business you’ve always envisioned? Let’s start that conversation. The next chapter of your success story begins now.