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Pacific Lending

Independent Mortgage Company•Sacramento, CAHQ•Direct•Reviews near you on Google

Pacific Lending has 327 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
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 6 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

Things to Think About

  • Rates typically 54 basis points above market average
  • Higher than average fees ($5,488)

Explore another lender or local market

Report Card

Pacific Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+53.6 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
154 loans · 0.53% above market
Sound
Top 60% of lenders
3/5
FHA
128 loans · 0.71% above market
Strong
Top 40% of lenders
4/5
VA
43 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
259 loans · 0.54% above market
Sound
Top 60% of lenders
3/5
Refinance
68 loans · 0.51% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume154
Mix47.1%
Spread
+0.529%Above
Fees
$5,207Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Exceptional
Volume128
Mix39.1%
Spread
+0.714%Above
Fees
$5,743Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Exceptional
Volume43
Mix13.1%
Spread
-0.047%Below
Fees
$5,760Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume259
Mix79.2%
Spread
+0.544%Above
Fees
$5,534Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume68
Mix20.8%
Spread
+0.505%Above
Fees
$5,312Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
327
Applications
383
Volume
$136 million
Pricing & Closing
Avg Rate Spread
+0.536%
vs. market APOR
Avg Net Fees
$5,488
Origination − Credits
Pullthrough Rate
85.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$416,223
Avg Borrower Income
$159,196
Avg Property Value
$522,951

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

15Full-year 2024 · HMDA
15 states with loan originations
Loans originated
< 1010+None
Midwest3
ILKSMI
South5
ALFLNCTNTX
West7
AZCACOHIIDNVWA

Top Metro Areas by Place Specialization Score

1© Original uploader was VisalianNsf at en.wikipedia · CC BY-SA 3.0
Visalia, CAMetro
Volume 77Mix 23.55% of portfolio
79/100
Strong
2© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 75Mix 22.94% of portfolio
66/100
Strong
3© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 25Mix 7.65% of portfolio
52/100
Sound
4© Bobak Ha'Eri · CC BY 3.0
Bakersfield, CAMetro
Volume 15Mix 4.59% of portfolio
49/100
Sound
5© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 12Mix 3.67% of portfolio
44/100
Sound
6© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 11Mix 3.36% of portfolio
43/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 241Mix 73.70% of portfolio
70/100
Strong
Hawaii
Hawaii
2
HawaiiState
Volume 12Mix 3.67% of portfolio
46/100
Sound
Tennessee
Tennessee
3
TennesseeState
Volume 16Mix 4.89% of portfolio
44/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 12Mix 3.67% of portfolio
42/100
Sound
Nevada
Nevada
5
NevadaState
Volume 10Mix 3.06% of portfolio
41/100
Sound
Texas
Texas
6
TexasState
Volume 13Mix 3.98% of portfolio
38/100
Acceptable
Florida
Florida
7
FloridaState
Volume 10Mix 3.06% of portfolio
35/100
Acceptable

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.