About Element Mortgage
Element Mortgage is one of the fastest-growing mortgage divisions in the country, built on a simple belief: great lending starts with great people.
Founded by Dustin Sheppard, Acting CEO of American Pacific Mortgage, alongside his partner Evan Miller, one of the area’s top-producing originators, Element was created to raise the standard of what a mortgage platform should be. Their combined leadership and real-world production experience shaped a company built by operators-for operators.
From the beginning, Element focused on being human, local experts in every market we serve. Today, that people-first approach is powered by a national platform that allows originators to fund virtually any real estate loan secured by four walls and a roof-from residential and non-QM to construction, renovation, and commercial lending.
A Platform Built for Growth
Element operates as an autonomous division backed by American Pacific Mortgage, offering the flexibility of both banking and brokering under one roof. This structure gives our loan officers more options, stronger execution, and the ability to compete in any market.
As we expand nationwide, we do so with intention-partnering with professionals who want to build long-term, scalable businesses, not just close loans.
Our Mission
To build and develop leaders-giving loan officers and branch managers the clarity and confidence to raise the standard of our industry and win in any market.
Our Culture & Values
Element is built on a culture designed for high performers:
- Edification – We invest in people and develop leaders.
- Ownership – We take responsibility for results and growth.
- Transparency – We operate with honesty and clarity.
- Competitive Excellence – We pursue the highest level of execution.
These values guide how we lead, grow, and win together.
Built for Those Who Intend to Lead
Element Mortgage is more than a platform-it’s a long-term home for top producers and emerging leaders who want support, opportunity, and alignment.
If you’re looking for a place to grow, lead, and perform at a higher level, welcome to Element Mortgage.