Big
Enough
to Compete
Small enough to care.
Grow Your Mortgage Branch with APM
We believe your branch deserves more than just a place to land; it deserves a true partnership. Whether you’re a small local office with a few originators or a large, established team with a brand of your own, we offer unique models and the freedom to scale your business the way you want.
Why Branch Managers Choose APM
The Perfect Size for Success
At APM, we're big enough to offer top-tier resources and small enough to prioritize every branch manager and originator. You get the best of both worlds: a competitive edge in loan origination with a people-first culture focused on your branch’s success.
Stability You Can Count On
We’re not a $50 billion conglomerate. At APM, we’re an employee-owned and well-capitalized company, focused on long-term, sustainable growth—not quick, short-term gains.
A Voice with Leadership
Your voice matters here. Top originators and branch managers join our Advisory Council, meeting twice a year to help guide the company’s strategy. We also host planning sessions, leadership conferences, and companywide events where your input is valued.
Collaborative Culture of Ownership
As employee-owners, we share one common goal: building a thriving company. In a culture built on collaboration, transparency, and mutual support, decisions are made with your success in mind.
Employee-Ownership Advantage
With our ESOP (Employee Stock Ownership Plan), your entire team becomes part of something bigger. Our ESOP is a powerful retention tool and an additional retirement benefit—at no cost to you or your employees.
Business
Owner
Mindset
Run your branch like a true business. With flexible models, P&L transparency, and autonomy over your brand and structure, you get the freedom to build and scale—backed by APM’s support and stability.
Business Models
Built for Growth
We offer flexible business models that are designed to support your long-term growth, whether you're operating a local branch or seeking a strategic divisional partnership.
APM Retail Branch:
Operate under the APM umbrella with all the resources to build and grow while APM absorbs the cost and risk. You gain all the benefits of our enterprise model, including full pricing control and transparency.
Enterprise Branch:
A P&L branch model where you control your brand, staffing, structure, and overall management. This option supports established brands through a DBA, so you can keep the identity you’ve worked hard to build in your local market.
Divisional Model:
A strategic partnership that allows you to leverage your established brand while accessing all of APM’s resources to scale and increase market share.
Scale Your Branch & Production
Pick the Model That Fits Your Growth Goals.
Whether you’re growing a small, close-knit team or expanding a large office with an established brand, we offer flexible business models that align with your unique vision.
Continuous Development and Coaching.
You and your team will have access to top-tier professional development, coaching, and peer-led mastermind groups to stay current and focused on growth. We also host live events like our annual Symposium (September 2025) and ongoing virtual training to support your success year-round.
Comprehensive Marketing Support.
With customizable campaigns tailored to your branch’s needs, we’ll help you build a stronger presence and attract more recruits and clients in your local market.
Recruitment and Retention Expertise.
We don’t just help you hire top talent—we partner with you to build a thriving culture and provide the tools and resources that set your team up for long-term success. Our focus is on helping you attract, develop, and most importantly, retain the best professionals who will grow with your business.
Cutting-Edge Tools and Technology.
Scale effectively with DOMO dashboards, pipeline management, forecasting and analytics, business planning, Loan Vision P&L transparency, and more.
Real Support. Real Results.
14 Years and Counting.
Hear from branch manager Eric Handler of Vault Mortgage on how APM’s flexible model, hands-on support, and bank/broker options have helped his branch grow year after year.
If You're Ready to:
- Launch or elevate your brand
- Grow your branch and production
- Leverage flexible business models to build your business the way you want
- Build long-term wealth for you and your employees through employee ownership
- Partner with an Employee-Owned Top Retail Mortgage Lender
Let's talk about your mortgage branch's next chapter.
Branch Leadership Tools
APM offers a variety of innovative systems to help branches manage their P & L, meet their goals, and forecast for the future.
DOMO Dashboards
Forecasting & Analytics
Pipeline Management
P & L Transparency
AP
Intelligence
Branch Manager Resources
APM Roadmap for Branch Mangers
A step-by-step guide to scaling your branch with the tools, resources, and support APM provides.
This is APM eBook
A guide to who we are, what we stand for, and why originators and branch managers choose to grow with APM.
Loan Playbook
An inside look at APM’s expansive product suite designed to help you serve more borrowers and win more business.
Frequently Asked Questions
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APM provides the freedom to lead your branch your way with the backing of a top independent mortgage company. You’ll gain national-scale support without losing your local brand identity or culture. Here’s why APM is the right fit:
- Stability and Reputation
We’re not a $50 billion conglomerate. We’re a well-capitalized, employee-owned company focused on long-term, sustainable growth—not quick, short-term gains. - A Voice with Leadership
You’re not employee #7,000 here. We value your insights, and our leadership team listens. You’ll have a voice in shaping the company's direction. - The Perfect Size
We offer top-tier resources, technology, and loan products to help you and your team thrive. - Collaborative Culture
As employee-owners, we share one common goal: building a thriving company. In a culture built on collaboration, transparency, and mutual support, decisions are made with your success in mind. We also invite our top originators and branch managers to join our Advisory Council, which meets twice a year to help shape the direction and focus of the company’s strategic plan.
- Stability and Reputation
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APM gives branch managers true ownership of their business with transparent P&L, leadership coaching, and advanced real-time reporting. You’ll have access to marketing resources, recruiting support, and scalable systems designed to help you increase production and improve margins. Our flexible branch structures — including retail branch, enterprise branch, and divisional models — allow you to choose the operating framework that best aligns with your growth strategy. No matter which model you select, APM invests in your success with the tools, support, and resources you need to grow profitably.
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Yes. Many APM branches successfully operate with their own local brand while leveraging APM’s operational strength behind the scenes. You can retain your market identity, voice, and community presence while gaining access to our compliance framework, technology stack, marketing resources, and operational support. APM offers multiple branch models so you can choose the level of brand integration that works best for your strategy — from fully maintaining your independent brand to aligning more closely with APM’s national presence. Our goal is to give you the freedom to protect what makes your business unique, while strengthening it with the systems, tools, and expertise you need to scale.
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APM equips your branch with a comprehensive, modern technology stack designed to help your loan officers produce more, deepen client relationships, and operate with greater efficiency. Your team will have access to industry-leading platforms including:
- APM Mobile App via nCino to give clients a connected, on-the-go loan experience
- APM’s proprietary reporting through DOMO for real-time P&L visibility, performance tracking, and operational insights
- HubSpot for landing pages, websites, analytics, and lead conversion tools (where applicable)
- Optimal Blue for accurate pricing, scenario tools, and lock management
- BirdEye for review generation, reputation management, and automated client surveys
- Total Expert for automated marketing journeys, database nurturing, and compliance-friendly communication
- SocialCoach to simplify social media posting, increase visibility, and keep LOs consistently active online
- Homebot to keep clients engaged long after closing and generate repeat business and referrals
- Mortgage Coach for visual, easy-to-understand presentations that help borrowers make confident decisions
- MBS Highway for market intelligence, rate-watching tools, and scripts that strengthen LO expertise
- ListReports for agent-facing tools and co-marketing support
Beyond the platforms themselves, APM provides onboarding, training, templates, automated journeys, and ready-to-use resources so your team can adopt these tools quickly and effectively.
The goal is simple: give your branch a seamless, fully supported technology ecosystem that increases production, improves efficiency, enhances client satisfaction, and elevates your team’s long-term success.
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APM provides a marketing portal designed to help your branch grow production, elevate your brand, and stay consistently visible in your market. Our in-house team delivers a wide range of compliance-approved resources and hands-on support, including:
- Monthly marketing campaigns with ready-to-use emails, social posts, flyers, videos, and consumer education tools
- Automated social media content through SocialCoach to keep your LOs active and consistent online
- Video tools and production support, including scripts, templates, editing assistance, and repeatable video formats
- Customizable marketing materials such as flyers, postcards, presentations, loan product sheets, and open house assets
- Recruiting resources for attracting loan officers and branches, including brand decks, campaigns, landing pages, and culture assets
- Homeowner engagement tools like Homebot, client journeys, worksheets, and interactive content
- Leadership messaging and communication support to help your branch stay aligned and engaged
Marketing at APM is built to scale with your branch, providing both the strategy and the execution needed to help you stand out, strengthen relationships, and grow your production. Our goal is to give you every advantage to compete and win in your market.
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As an employee-owned company (ESOP), every APM team member has a direct stake in our success. Who you work for matters—and here you work for yourself and your colleagues, not for corporate shareholders. Because we are an employee-owned company, you’re not just another number—you’re a stakeholder in our success.
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Beyond conventional and government loans, APM has exclusive, game-changing products designed to help you win in today’s market.
Here are just a few:
In-House Construction and Renovation Lending: You don’t have to be a construction expert to close more loans in this space. Our dedicated team—backed by 20+ years of experience—provides the training and support you need to capture builder business and expand your pipeline. We offer one-time and two-time close options to meet borrower needs.
Jumbo Financing Up to $10M: In-house jumbo solutions make it easy to serve high-net-worth clients. Need more? We also offer brokered options up to $30M.
In-House Pathway DPA Program: Our exclusive down payment assistance program offers higher margins for you and lower costs for the borrower. Plus, we have a wide range of DPA options to help you serve more clients.
Expanded Loan Options: Whether it’s bank statement loans, DSCR loans, ITIN borrowers, in-house solutions, or government loans with credit scores as low as 580, APM has you covered. In this video, Branch Manager Melisa Webb shares how APM responded to the product needs of her local rural market.
You can download a copy of our Loan Playbook to show how APM is leading by way of products and helping our loan officers dominate nationally.
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Our dedicated onboarding team ensures a smooth, compliant, white-glove transition. From licensing to marketing setup, we handle the details so you can stay focused on your business and clients.
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Complete the form on this page or reach out to our recruiting team for a confidential discussion. We’ll review your goals, share compensation and ownership details, and help you determine if APM is the right fit for your branch.