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Pacific Home Loans

Independent Mortgage Company•Kihei, HIHQ•Direct & Wholesale•Reviews near you on Google

Pacific Home Loans has 54 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Exceptional
5/5
Regional · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Pacific Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+31.0 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
53 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
45 loans · 0.29% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume53
Mix98.1%
Spread
+0.303%Above
Fees
$4,170Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume45
Mix83.3%
Spread
+0.293%Above
Fees
$4,376Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
54
Applications
74
Volume
$36 million
Pricing & Closing
Avg Rate Spread
+0.310%
vs. market APOR
Avg Net Fees
$3,979
Origination − Credits
Pullthrough Rate
73.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$677,407
Avg Borrower Income
$269,037
Avg Property Value
$1,062,037

Geographic Coverage

Geographic Performance

Metro Areas
1
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
All statesNone
West5
AZCAHINVOR

Top Metro Areas by Place Specialization Score

1© PaulT (Gunther Tschuch) · CC BY-SA 4.0
Kahului, HIMetro
Volume 34Mix 62.96% of portfolio
88/100
Exceptional

Top States by Place Specialization Score

Hawaii
Hawaii
1
HawaiiState
Volume 47Mix 87.04% of portfolio
72/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.