Big Valley Mortgage NMLS #1850
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At a glance
- Size24,783 home loans closed in 2025
- Loan typesConventional, FHA and VA
2025 figures are for AMERICAN PACIFIC MORTGAGE CORPORATION's filing.
What it closes
Share of its 2025 home loans: 61% Conventional, 29% FHA, 9% VA and 1% Other types.
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Who is Big Valley Mortgage?
Big Valley Mortgage is a brand of American Pacific Mortgage Corporation (NMLS #1850), which is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerBig Valley Mortgage
- Brand ofAmerican Pacific Mortgage Corporation, NMLS #1850
- NMLS #1850
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Big Valley Mortgage
Overview
American Pacific Mortgage Corporation is a residential mortgage lender serving borrowers who are buying a home or refinancing an existing loan. The company operates through a branch network and consumer-facing mortgage brands, with loan information covering conventional, government-backed, and specialty mortgage programs.
Mortgage options
Mortgage options include conventional, FHA, VA, USDA, jumbo, renovation, reverse mortgage, manufactured and mobile home financing, cash-out refinance, and non-QM loans. Non-QM loans are mortgage programs that do not follow standard qualified-mortgage guidelines.
Locations
American Pacific Mortgage Corporation has 1,055 branches in 43 states.
Company details and licensing
American Pacific Mortgage Corporation is a corporation formed in California, United States, on March 8, 1996. Its headquarters is 3000 Lava Ridge Court #200, Roseville, California 95661. Trade names include American Pacific Mortgage, Capstone Home Loans, and Ability Ambeck Mortgage. The company’s NMLS ID is 1850. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #1850 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asAMERICAN PACIFIC MORTGAGE CORPORATION
- 2025 home loan decisionsOf 27,677 applications decided by AMERICAN PACIFIC MORTGAGE CORPORATION in 2025, 24,783 were originated, 51 were approved but not accepted by the borrower, and 2,843 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 89.7%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 6,377 applications were withdrawn by the borrower, 189 were closed for incompleteness, and 63 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.478 percentage points above the average prime offer rate (reported on 23,301 originations, 1,482 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$8,522.06 — originated closed-end household loans, 2025, 20,455 of 23,301 loans. FFIEC HMDA data browser.
- Median origination charges$3,915.58 — originated closed-end household loans, 2025, 23,228 of 23,301 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types15,062 Conventional, 7,137 FHA, 2,184 VA, 400 USDA — of 24,783 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for AMERICAN PACIFIC MORTGAGE CORPORATION — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Big Valley Mortgage's NMLS number?
Big Valley Mortgage's NMLS number is 1850. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Where can I learn more about Big Valley Mortgage?
This page has Big Valley Mortgage's NMLS registration and company facts, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.