Question 1

What are American Pacific Mortgage's average closing costs?

Accepted Answer

Based on 20,505 homebuyer-submitted Closing Disclosures, American Pacific Mortgage's median total closing costs are $8,532. This is about 165% above the $3,221 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does American Pacific Mortgage charge junk fees?

Accepted Answer

None of the 20,505 Closing Disclosures we've analyzed for American Pacific Mortgage included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do American Pacific Mortgage's fees compare to other lenders?

Accepted Answer

American Pacific Mortgage currently holds a grade of D on Fair Closing Check, placing them above the national average, meaning borrowers may pay more than necessary. Their median closing costs of $8,532 are about 165% above the $3,221 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with American Pacific Mortgage?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, American Pacific Mortgage's origination fee (avg $4,999 vs $1,695 peer avg) and rate lock fee (avg $342 vs $314 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on American Pacific Mortgage's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for American Pacific Mortgage, three fee categories tend to run above comparable lenders: origination fee (avg $4,999 vs $1,695 peer avg, +$3,304), discount points (avg $4,420 vs $2,263 peer avg, +$2,158), and lender credits (avg $544 vs $459 peer avg, +$86). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do American Pacific Mortgage's closing costs vary by state?

Accepted Answer

American Pacific Mortgage's closing costs vary significantly by state. Based on the 51 states in our database with at least 3 reports, median total closing costs range from $4,799 in Missouri to $23,964 in New York — a $19,165 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$4,999	$1,695	🔺 High
discount_points	$4,420	$2,263	🔺 High
Title Insurance	$3,110	$3,103	🟡 Average
Underwriting Fee	$1,442	$1,429	🟡 Average
Appraisal	$1,057	$1,053	🟡 Average
Settlement/Closing Fee	$937	$954	🟡 Average
Processing Fee	$756	$775	🟡 Average
lender_credits	$544	$459	🔴 Above Avg
Title Search	$383	$379	🟡 Average
Rate Lock Fee	$342	$314	🟡 Average
Recording Fee	$325	$339	🟡 Average
Document Preparation	$141	$170	🟢 Below Avg
Tax Service Fee	$125	$128	🟡 Average
Credit Report	$67	$68	🟡 Average
Wire Transfer Fee	$66	$69	🟡 Average
Courier/Delivery	$57	$58	🟡 Average
Flood Certification	$23	$23	🟡 Average

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$4,999	$1,695	🔺 High
discount_points	$4,420	$2,263	🔺 High
Title Insurance	$3,110	$3,103	🟡 Average
Underwriting Fee	$1,442	$1,429	🟡 Average
Appraisal	$1,057	$1,053	🟡 Average
Settlement/Closing Fee	$937	$954	🟡 Average
Processing Fee	$756	$775	🟡 Average
lender_credits	$544	$459	🔴 Above Avg
Title Search	$383	$379	🟡 Average
Rate Lock Fee	$342	$314	🟡 Average
Recording Fee	$325	$339	🟡 Average
Document Preparation	$141	$170	🟢 Below Avg
Tax Service Fee	$125	$128	🟡 Average
Credit Report	$67	$68	🟡 Average
Wire Transfer Fee	$66	$69	🟡 Average
Courier/Delivery	$57	$58	🟡 Average
Flood Certification	$23	$23	🟡 Average

American Pacific Mortgage

American Pacific Mortgage Closing Cost Breakdown

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