Employee-Owned &
Empowered to
Succeed
Employee ownership fuels
growth & stability.
A Seat at the Table
At APM, your voice matters, and it’s heard. Unlike large retail lenders driven by external shareholders, our structure ensures that decisions are made with employees and customers in mind. Whether you operate a DBA branch, lead a team, or participate in a divisional partnership, employee ownership extends to you and the people you hire. You’re not a number here. You’re an owner with influence, insight, and a stake in the direction of the company.
Compensation Beyond Your Paycheck.
Our Employee Stock Ownership Plan (ESOP) gives every full-time employee the opportunity to earn company stock at no cost to them or to branch leaders. This benefit builds long-term financial value and provides an additional source of retirement income for you and your team. It’s a wealth-building opportunity that grows as APM grows, rewarding the people who contribute to our success.
A Powerful Recruiting and Retention Tool
Top talent is drawn to companies that invest in their people. With an ESOP, your branch gains a compelling advantage in the hiring conversation. When loan officers, processors, and support staff join your team, they’re not just taking a job, they’re becoming owners in a company committed to their future.
This shared-success model strengthens loyalty, deepens engagement, and helps retain high performers who want to build something that lasts.
APM's Culture in Action
For a closer look, watch Divisional President Brent Hicks share why APM’s culture is unmatched.
A Culture Built on Collaboration
Ownership fosters unity, and at APM, it shows. Our employee-owners share one common goal: building a thriving company that delivers exceptional experiences for our clients and communities.
This collaborative mindset drives transparency, accountability, and teamwork across branches, leadership, and corporate departments. We invite our top originators and branch managers to join our Advisory Council, helping shape APM’s strategic direction and strengthening our culture from the inside out.
Stability Backed by Long-Term Strategic Growth
Because we are employee-owned, our goals are long-term and sustainable, not dictated by short-term shareholder pressures. That means:
Stable leadership focused on measured, strategic forward-looking growth
Investment in the tools, technology, and products you need to thrive
Decisions rooted in strengthening the company for years to come
Confidence in your future as an owner, not just an employee
APM’s ESOP model keeps us aligned, grounded, and positioned for success no matter the market cycle.
Own Your Future with APM
If you’re looking for a mortgage company that values ownership, empowers growth, and provides stability in every market, APM is the place to build your future. Let’s talk about what becoming an employee-owner can mean for you, your team, and your long-term success.
Frequently Asked Questions
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An ESOP, or Employee Stock Ownership Plan, is a qualified retirement benefit that gives employees an ownership stake in the company they work for. Instead of buying stock themselves, employees earn shares over time, helping them build long-term financial security.
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At American Pacific Mortgage, eligible employees become owners through the company’s ESOP at no cost to them. Shares are allocated annually based on plan rules and vest over time. As the company grows, the value of those shares can grow as well, creating an additional retirement benefit beyond traditional compensation.
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Eligibility is based on employment status and tenure. Most full-time employees become eligible after meeting minimum service requirements outlined in the plan. Specific eligibility and vesting details are provided during onboarding and through internal plan documents.
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No. Employees do not purchase shares or contribute their own funds to participate in the ESOP. Ownership is earned through employment and continued service with the company.
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American Pacific Mortgage is nearly half employee-owned, with approximately 49 percent of the company held through its ESOP. This structure aligns employees with the long-term success of the organization.
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Employee ownership creates a shared purpose across the organization. Loan officers and support teams benefit from stronger alignment, collaboration, and a long-term mindset, knowing their daily work contributes not only to company growth but also to their personal financial future.
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No. American Pacific Mortgage is privately held. ESOP shares are not traded on the public stock market and are managed internally through the company’s employee ownership plan.
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Being employee-owned shapes how we show up every day. At American Pacific Mortgage, ownership reinforces a culture built on respect for one another, transparency in how we operate, and a scrappy mindset that pushes us to solve problems and keep improving. When employees are also owners, accountability is shared, collaboration matters more, and long-term thinking replaces short-term wins. Quite simply, when our loan officers, teams, and partners look good, we all look good, and we succeed together.
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While day-to-day operations are led by experienced leadership, employee ownership encourages transparency and alignment. Decisions are made with long-term stability, sustainability, and shared success in mind.