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Our Leadership Team


As Chairman of American Pacific Mortgage, Kurt has led the company since inception and  through its steady disciplined growth over the last 18 years. His focus and vision have created a strong culture of service and a fierce commitment to sustainability. Kurt believes in the concept that production and producers are the fuel that drives American Pacific Mortgage and that his role in the organization is to serve producers, serve the clients and deliver high quality performing loans to the market. He is committed to doing so in an open and transparent environment, always offering stakeholders clarity and honesty in his dealings.

Prior to launching American Pacific Mortgage, Kurt ran his own retail branch, Big Valley Mortgage, which is the largest, most successful branch in the company to this day. With the help of a top notch management team in both organizations, Kurt maintains an open door policy that keeps him connected to the originators’ and clients’ needs, while also staying in tune to the dynamic demands of the mortgage marketplace.

Having acquired a degree in economics in 1980 and spending six years in a corporate role at Shell Oil Company, Kurt started his career in lending in 1986 with Cal Fed Bank. Shortly thereafter he joined a mid-sized mortgage banker as a Loan Officer in the burgeoning markets of Sacramento, CA. It was in one of its suburbs, Roseville, that he launched his retail branch Big Valley Mortgage in 1990. American Pacific Mortgage followed in 1996. Kurt’s path from producer to principal has uniquely prepared him for leadership in the mortgage industry.

Being the father of three soccer loving boys, Kurt says that being a soccer coach for the last 15 years has taught him more about managing people than just about anything else. He is an avid mountain biker and former mountain bike racer, and enjoys working outdoors at his ranch in El Dorado County.


Bill Lowman - CEO/President

Bill began his career with American Pacific Mortgage (APM) in 2002. He has served as President since 2004, and became CEO in 2016.  As CEO, Bill leverages over twenty-five years in the mortgage industry to better serve the customers and employees of the APM family.  He offers a wealth of knowledge and expertise in the areas of mortgage banking leadership, organizational, and cultural development.   Bill drives APM’s Strategic Plan which includes production, operational efficiency, and preserving the APM culture.  He is responsible for the overall financial performance of the company and oversees the senior management team of APM.  Bill sets the example of the company’s position of ownership and embraces APM’s values of Respect, Transparency, and Scrappy by living those values daily. 

 Bill is an active member of both the Mortgage Bankers Association and the California Mortgage Bankers Association.  Bill serves on the MBA Independent Mortgage Bankers Executive Council and is Co-Chairman of the IMB Network.   He is a Board Member of the California Mortgage Bankers Association and is the Chairman of the 2016 Western Secondary Marketing Committee.   Bill also serves on the Freddie Mac Independent Mortgage Bankers Advisory Board.  

 Internally for APM, Bill sits on the Board of APMCares.  APMCares is a charitable entity which provides financial assistance to our APM families in times of need, and community outreach programs focused on delivering housing opportunities and homeownership in America.

 Bill holds a Bachelor of Science degree in Business Administration with a concentration on Finance from State University of New York at Fredonia. 


David Mack - Chief Origination Practices Officer

At his core, David is a champion for loan originators, ensuring quality service and efficiency along every step of the way. He founded American Pacific Mortgage with Kurt Reisig in 1996 as Principal and Chief Operating Officer. He still oversees many aspects of operations, including more than 1,500 employees and over 170 branches in 14 states. He also coordinates departmental interaction and issues policies and procedures for all American Pacific Mortgage staff and affiliate branch operations.

Prior to working with American Pacific Mortgage, David worked his way up the corporate ladder from a Loan Officer to Second Vice President and Branch Manager for the Occidental Mortgage Corporation in Southern California. In 1994, he migrated to Northern California where he began working with Kurt Reisig at Central Pacific Mortgage as co-Branch Manager.

Gloria_Fillmon.jpgGloria Fillmon - Chief Compliance
 and Risk Officer

Gloria joined American Pacific Mortgage in February 2015 as Chief Compliance Officer.  Gloria has many years’ experience in many aspects of the mortgage lending industry from production to compliance.  For the past 25 years, Gloria has concentrated solely on managing and directing regulatory compliance for nationwide mortgage banking operations.  In addition, Gloria has authored numerous fair lending, consumer protection and regulatory compliance training programs along with consulting opportunities to develop fair lending training and monitoring programs for other lenders.

Immediately prior to joining American Pacific Mortgage, Gloria was Director of Compliance for Nationstar Mortgage LLC, headquartered in Lewisville, Texas.  Her career also included 17 years with CTX Mortgage Company in Dallas, Texas as Senior Vice President of Compliance, and in addition, she provided compliance support to CTX Mortgage Company’s sister company, Centex Home Equity Corporation.

Gloria currently is a member of the American Association of Residential Mortgage Regulators (“AARMR”), Mortgage Bankers Association of America (“MBAA”), California Mortgage Bankers Association (:CMBA”), and serves on the MBAA State Legislative and Regulatory Compliance and Fraud Committees.

In addition, Gloria is past President of Dallas North Toastmasters and Founding President of Richardson Toastmasters.  In her spare time, Gloria enjoys cooking, reading and tropical vacations with her family.


Ralph Hints - Chief Financial Officer

Ralph joined American Pacific Mortgage in November 2012 as its Chief Financial Officer (CFO). He has more than 15 years of experience as a CFO, including dual roles as President/CFO at four firms during restructuring and rapid growth phases. His background has given him a unique combination of experience and skills including: debt and equity capital raising, business management, mergers, acquisitions, strategic alliances and restructurings.

As a member of the executive team at American Pacific Mortgage, Ralph is responsible for presenting and reporting historical financial information in accordance with generally accepted accounting principles regarding all mortgage banking related activities. Ralph is particularly passionate about providing our branch managers with timely and accurate financials. He also provides strategic management and day to day oversight in all areas of finance, accounting, and tax planning, while managing its loan warehousing activities.


Keith Becher - Chief Operating Officer

Keith Joined American Pacific Mortgage in 2013 as Senior Vice President of Strategic Initiatives, and took on the role of Cheif Operating Officer in 2016. He has 35 years of experience in Mortgage Banking including roles as COO of a top five sub-prime mortgage servicer and SVP of Consumer Lending Operations for a major super-regional bank.

As a member of the executive team at American Pacific Mortgage, Keith is responsible for technology operations including infrastructure, program management, strategic initiatives and change management. Keith is also responsible for Internal

Audit, Vendor Management, Interim Servicing and Sub-Servicer oversight.


Chito Schnupp - EVP of Capital Markets

Chito joined American Pacific Mortgage in 2009 and shortly thereafter, she was brought on full-time as Executive Vice President of Capital Markets. In her role, she oversees all elements of pricing, loans and selling of American Pacific Mortgage Loans.

Chito has a true passion for the mortgage industry and excels at building relationships, both at the investor and agency levels. She has demonstrated a keen ability to develop innovative solutions for producers that make her an exceptional asset to American Pacific Mortgage.


Ned Payant - EVP of Operations

Ned is responsible for all mortgage banking operations of the company from loan registrations through closing. He creates an outstanding work environment for corporate and branch staff and believes strongly in delivering world class service to branches and their clients, while also maintaining loan quality.

Ned has more than 20 years of management experience in the mortgage banking industry in both production and banking operations. Before coming to American Pacific

Mortgage in 2010, he was Senior Vice President of Retail Banking for Pacific Mercantile Bank in Costa Mesa, CA. In this role, he helped start the bank’s residential mortgage banking division, building teams, policies and procedures for each function within the division. 

Michael PankowMichael Pankow - EVP of National Production

Michael leads with a passion for servant leadership and executing APM’s vision to set the industry standard for delivering home ownership in America. Michael takes an active role in all aspects of mortgage origination, including oversight of the production departments of more than 170 branches for our Enterprise and Corporate Retail Divisions. Michael has an unwavering commitment to providing loan originators, branch managers, and fellow leaders with the necessary resources to succeed and grow in today’s expanding and transforming mortgage industry. Michael’s leadership style incorporates the tenants of John Maxwell, Patrick Lencioni, Les Brown, and Anthony Robbins. One of Michael’s most closely held beliefs is that in order to provide insightful guidance, a leader must “listen to understand, rather than listen to respond”.

Michael previously served for nine years at Big Valley Mortgage, a division of American Pacific Mortgage, overseeing Big Valley’s growth from a single branch of 38 employees to its present size of 175 employees, seven (7) branches, and $800 million in annual production.

Michael grew up in San Diego, California and graduated from California State University, Sacramento with a BS in Criminal Justice. During his senior year of college, Michael went to work for Anheuser-Busch as a marketing and brand representative where he developed a love for sales, marketing and business management. He later moved onto similar roles as a sales and business development manager with CBS Radio, owned a mortgage-related business, was a Top Producing Loan officer, and most recently, as the Senior Vice President for Big Valley Mortgage. Michael also proudly served for 12 years in the regular Army and Reserves and was selected as the Leadership Honor Graduate for his Officer Candidate School Class of 1993.

Michael resides in Penryn, California, with his two sons and one daughter.

MatBrinitzerMatt Brinitzer - VP of Corporate Services

Matt joined American Pacific Mortgage shortly after it was founded in 1996 by Kurt Reisig and David Mack. Prior to joining American Pacific Mortgage, he spent over 15 years as Chief Financial Officer. Matt now oversees corporate services which include facilities of technology for over 170 locations and over 1,500 people.

As a member of the executive management team, Matt brings knowledge and experience to his role and is committed to the culture of providing superlative customer service.

Michele_Buschman-715978-edited.jpgMichele Buschman - VP of Information Services

Ms. Buschman joined American Pacific Mortgage in the role of Vice President, Information Services, in January 2014. Ms. Buschman is responsible for the overall daily operations of all APM infrastructure, systems, and software; supporting the organization at a nationwide level. 

Ms. Bushman comes to American Pacific Mortgage with a diverse range of skills and experiences spanning 22 years in the mortgage finance industry, having held leadership roles in operations and in technology. Ms Buschman has extensive experience in business process design and development, software design, development and implementation, system integrations, vendor management, project management, infrastructure design, and business relationship management.

Prior to joining American Pacific Mortgage, Ms. Buschman has held various leadership positions with Accenture Mortgage Cadence, Lenders Processing Services, NuView Financial Services, MOS Group, and IMX, Inc. While at IMX, Inc. Ms. Bushman spearheaded the development of several cutting-edge technology solutions that generated historical revenue amounts for the company. Ms. Buschman also navigated the company through a successful patent infringement case.

Originally a resident of Silicon Valley, Ms. Buschman attended CSUH, where she received her Bachelor’s Degree.

dan-cooperDan Cooper - SVP of Human Resources

Dan re-joined American Pacific Mortgage as Vice President of Human Resources in March 2013. He served as Executive and Business Coach to American Pacific Mortgage from 2002- 2008.

Dan leads the Human Resources department for the company and leads the HR team in recruiting, training, workforce planning, employee relations, compensation and benefits. He brings over 25 years of experience in HR and has worked in a variety of leadership positions for organizations such as Nike, T-Mobile, PG&E, Macy’s and the Oregon Department of Justice.

Dan received his bachelor’s degree from Willamette University and a Master’s Degree in Human Resource Management from University of Oregon. He is an active member of the Society of Human Resource Management.


Chuck Nugent -Human Resources
 and Compensation Risk Manager/General Counsel

Chuck has served as Human Resources and Compensation Risk Manager as well as General Counsel to American Pacific Mortgage since 2003.  His responsibilities include all aspects of business relationship, including compliance and regulatory matters, risk management, personnel counseling, and direct involvement in all APM litigation matters.  He is a member APM’s Senior Management Team and admitted to practice before all the state and federal courts in California.

 As a civil litigator, trial attorney and legal advisor, Chuck has represented corporate clients in matters ranging from employment and general business litigation discrimination and sexual harassment defense and prevention, unfair competition, copyright and trademark disputes, and various other business related legal claims/defenses.  Chuck has successfully represented private and public sector entities before state and federal courts , the California State Personnel Board (SPB), Industrial Welfare Commission (IWC), Equal Employment Opportunity commission (EEOC), the Department of Fair Employment and Housing (DFEH) and the Department of Housing and Urban Development (HUD).  Chuck graduated with honors with a degree in Political Science from the University of Davis and received his law degree from the McGeorge School of Law, University of the Pacific, and graduated in the top 5% of the graduating class.  He is the recipient ofthe  American Jurisprudenceand CorpusJuris Secundumawards for Legal Excellence.  He is currently and active member of the Mortgage Bankers Association, California Mortgage Banking Association, Order of the Coif (National Honor Society), and the Traynor Honor Society (Sacramento Legal Society).

Category: American mortgage

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