CFPB Consumer Complaint Profile
American Pacific Mortgage
Consumers have filed 136 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 136
- Total complaints
- Mid-range
- 3
- Last 12 months
- 98.5%
- Timely response
- Above median
- 22
- States affected
The verdict
136 CFPB complaints put American Pacific Mortgage at #1153 out of 3,843 financial companies ranked by complaint volume. It posts a 98.5% on-time response rate, the 54th percentile among companies with 100+ complaints.
- #1153
- of 3,843 companies by volume
- 98.5%
- on time (54th pctile)
- Mortgage
- most-complained product
- 22
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
American Pacific Mortgage vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.5% Higher than most higher than 54% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2013 | 2 |
| 2014 | 3 |
| 2015 | 9 |
| 2016 | 7 |
| 2017 | 4 |
| 2018 | 8 |
| 2019 | 3 |
| 2020 | 14 |
| 2021 | 33 |
| 2022 | 21 |
| 2023 | 18 |
| 2024 | 9 |
| 2025 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Pacific Mortgage
American Pacific Mortgage carries 136 complaints in the CFPB's database, 3 of them filed within the past 12 months. Consumers spanning 22 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against American Pacific Mortgage draw a 98.5% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 20.8% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 6.6% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does American Pacific Mortgage have?
136 complaints have been filed against American Pacific Mortgage with the CFPB overall - 3 of them in the past year.
Does American Pacific Mortgage respond to complaints on time?
American Pacific Mortgage has a 98.5% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for American Pacific Mortgage?
"Mortgage" draws more CFPB complaints against American Pacific Mortgage than any other product - see the full breakdown above.
What is the most common complaint issue with American Pacific Mortgage?
"Trouble during payment process" is the single most frequently cited issue in complaints against American Pacific Mortgage - see all issues and counts above.
How do I file a complaint against American Pacific Mortgage?
You can file a complaint against American Pacific Mortgage directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about American Pacific Mortgage?
The CFPB has recorded complaints against American Pacific Mortgage from 22 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Pacific Mortgage: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20.8% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.