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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 34 S P E C I A L S E C T I O N Mortgage Lending R E C O G N I Z I N G T H E B E S T I N M O R T G A G E L E N D I N G Excellence Awards American Pacific Mortgage apmortgage.com A t American Pacific Mortgage (APM), lending excellence is more than a standard—it's a reflection of who we are. We embrace the concept of homeownership with enthusiasm and optimism for housing in America. Every employee at APM takes personal ownership in Creating Experi- ences That Matter™ for our customers and referral partners. We recognize that every loan represents a family, a home, and a major life decision—and that our participation is both a privilege and a responsibility. Our job is to delight every- one involved in the loan process, from the first conversation to the final closing. With over 465,000 families served and a 4.96 average customer rating across more than 140,000 reviews, we've built our reputation on delivering results. Our loan officers are empowered with flexi- ble loan programs, modern technology, and the autonomy to make fast, informed decisions. As an employee-owned company, we're personally invested in every relationship. Our local teams bring national strength and local service, backed by the resources of more than 300 branches nationwide. We empower our loan officers to operate with trans- parency, respect, and scrappiness. As an employee-owned company, our success is shared, making our commitment to each client that much more personal. At APM, we are all working towards the same goal—to bring people home. Better.com better.com B etter exemplifies lending excel- lence through its revolutionary AI Mortgage platform, Tinman™, which has successfully funded over $100 billion in mortgage volume since inception. This powerful technology transforms the traditional lending expe- rience by enabling customers to view rate options instantly, secure pre-approval within minutes, and close loans in as little as three weeks. The company's lending excellence is further highlight- ed by its groundbreaking "One Day Mortgage" program, launched in January 2023, which allows eligible customers to progress from application to Commit- ment Letter in just 24 hours—an unprec- edented achievement in the mortgage industry. Better's comprehensive lending portfolio demonstrates its commitment to serving diverse customer needs through GSE-conforming mortgage loans, FHA and VA loans, and jumbo mortgage loans. This breadth of offerings ensures solutions for various financial situations and homebuying requirements. The industry has recognized Better's lending excellence through prestigious awards, including Best Online Mortgage Lender by Forbes and Best Mortgage Lender for Affordability by Wall Street Journal in 2023. Additional accolades include top rankings on LinkedIn's Top Startups List, Fortune's Best Workplaces in New York, CNBC's Disruptor 50, and Forbes FinTech 50. By operating successfully across all 50 U.S. states and the United Kingdom, Better has proven its ability to scale its superior lending experience across diverse mar- kets. This extensive reach, combined with technological innovation and industry recognition, firmly establishes Better as a leader demonstrating exceptional lend- ing excellence in the mortgage industry. Chase Home Lending chase.com/personal/mortgage C hase Home Lending's expansive support network, technological capabilities, and wide range of products help it serve customers when, where, and how they want to be served. These attributes make Chase—No. 6 in IMF's Q1 2025 list of Top Mortgage Lenders with $11.2 billion in originations—rise above other large banks and compete in an indus- try that's dominated by nonbank lenders. The recent ranking follows a 2024 year that saw Chase scale mortgage originations to $41 billion in volume, up from $35 billion in 2023. Here's a breakdown of the value Chase provides to homebuyers in the areas listed above and why it's deserving of this award: Expansive support network: People like doing business with other people. With nearly 5,000 branches in 48 states and a dedicated team of Home Lending Advisors, we have the people support needed to help customers buying a home across the United States. Tech/digital capabilities: Meeting cus- tomers where they want to be met, whether in-person, on the phone, or digitally, is critical in today's fast-paced environment. Our award-winning Chase MyHome plat- form is also here to help customers search properties, apply for and obtain a mortgage, manage their Chase mortgage loan, and explore equity insights. Product range: We offer a wide range of products, from government loans like FHA and VA to conventional and jumbo loans. We've also developed proprietary products and programs like the Chase Homebuyer Grant, the $2,000 VA Purchase Closing Cost benefit, and the 3% down DreaMaker mortgage. On-time closing: Through December of 2024, Chase closed on time 99% of the time on purchase closing guarantee eligible products.