CFPB · Single-product concentration
American Pacific Mortgage
145 CFPB complaints · 86.2% in "Mortgage" · top issue Trouble during payment process.
American Pacific Mortgage: 86.2% of 145 CFPB complaints sit in "Mortgage". Timely 98.6% · relief 6.2%. Allegations, not findings.
- Single-product concentration
- +800% filings 2012 to 2026
CFPB relief outcome brief
CCDB company american-pacific-mortgage
6.2% relief · 98.6% timely · 145 filings · Mortgage
Same-product relief peers
Nearest relief peer: Standard Mortgage Corporation (6.2% relief)
American Pacific Mortgage closes 6.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of American Pacific Mortgage's 145 filings include narrative text
60.7% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American Pacific Mortgage complaint mix by product
- Mortgage 125 86.2% – 7% relief
- Credit reporting, 13 9.0% – 0% relief
- Credit reporting 5 3.4% – 0% relief
- Payday loan, 1 0.7% – 0% relief
- Debt collection 1 0.7% – 0% relief
How American Pacific Mortgage's 145 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 125 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Credit reporting or other personal consumer reports | 5 |
| Payday loan, title loan, or personal loan | 1 |
| Debt collection | 1 |
Concentrated filing states for American Pacific Mortgage
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 43.4% of this company's filings
American Pacific Mortgage rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 9
- +800% vs 2012
Top States
| State | Complaints |
|---|---|
| CA | 63 |
| WA | 12 |
| AZ | 11 |
| TX | 7 |
| OR | 7 |
| FL | 6 |
| UT | 5 |
| CO | 4 |
| HI | 4 |
| GA | 4 |
| IL | 3 |
| NC | 2 |
| MI | 2 |
| MO | 2 |
| CT | 2 |
| MS | 2 |
| ID | 1 |
| NM | 1 |
| IA | 1 |
| AL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 44 |
| Closing on a mortgage | 30 |
| Applying for a mortgage or refinancing an existing mortgage | 18 |
| Application, originator, mortgage broker | 10 |
| Improper use of your report | 9 |
| Struggling to pay mortgage | 8 |
| Incorrect information on your report | 7 |
| Loan servicing, payments, escrow account | 7 |
| Settlement process and costs | 5 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Problem with fraud alerts or security freezes | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Other | 1 |
| Credit decision / Underwriting | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2013 | 2 | 100% |
| 2014 | 3 | 100% |
| 2015 | 9 | 100% |
| 2016 | 7 | 85.7% |
| 2017 | 4 | 100% |
| 2018 | 8 | 100% |
| 2019 | 3 | 100% |
| 2020 | 14 | 100% |
| 2021 | 33 | 97% |
| 2022 | 21 | 100% |
| 2023 | 18 | 100% |
| 2024 | 9 | 100% |
| 2025 | 4 | 100% |
| 2026 | 9 | 100% |
Source: CFPB Consumer Complaint Database
American Pacific Mortgage filings cluster in one product
American Pacific Mortgage's 145 logged complaints stay concentrated: only 22 states show a filing. 60.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-20.
American Pacific Mortgage answers 98.6% of complaints inside the CFPB's tracked window and closes 93.8% with a written explanation. 6.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about American Pacific Mortgage.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Pacific Mortgage: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 145.
- Everest Receivable Services Inc. Δ 0 complaints · 0% relief 145complaints
- High Point Asset Inc Δ 0 complaints · 0% relief 145complaints
- Neighborhood Assistance Corporation of America ("NACA") Δ 0 complaints · 2.8% relief 145complaints
- Roosen, Varchetti & Olivier, PLLC Δ 0 complaints · 0% relief 145complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.6%.
- Block, Inc. Δ 0.0 pts · 66.9K complaints 98.6%timely
- Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) Δ 0.0 pts · 4.0K complaints 98.6%timely
- RoundPoint Mortgage Servicing LLC Δ 0.0 pts · 3.0K complaints 98.6%timely
- Foris DAX, Inc. Δ 0.0 pts · 1.1K complaints 98.6%timely
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for American Pacific Mortgage (98.6% timely; 6.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration