What loan types does PFN Lending Group offer?

PFN Lending Group offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does PFN Lending Group offer mortgages?

PFN Lending Group offers mortgages in 30 states: AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, LA, MA, MD, MI, MS, NC, NH, NJ, NM, NV, OK, OR, PA, SC, TN, TX, UT, VA, WA.

How competitive are PFN Lending Group's mortgage rates?

PFN Lending Group has an overall pricing score of 20.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is PFN Lending Group?

PFN Lending Group is a Independent Mortgage Company headquartered in CALABASAS, CA.

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PFN Lending Group

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

We analyzed every closed loan from PFN Lending Group — 742 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Near-National · 15 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Summary

What They Do Well

Particularly strong in FHA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Rates typically 53 basis points above market average

Explore another lender or local market

Report Card

PFN Lending Group performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+53.0 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

469 loans · 0.51% above market

Sound

Top 60% of lenders

3/5

FHA

173 loans · 0.59% above market

Strong

Top 40% of lenders

4/5

20 loans · 0.45% below market

Sound

Top 60% of lenders

3/5

Jumbo

76 loans · 0.68% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

597 loans · 0.52% above market

Strong

Top 40% of lenders

4/5

Refinance

145 loans · 0.58% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Near-National · 16 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Acceptable	Sound	469	63.2%	+0.511%Above	$3,342Fees
FHA Loans	Sound	Strong	Acceptable	Exceptional	173	23.3%	+0.589%Above	$4,451Fees
VA Loans	Acceptable	Sound	—	Acceptable	20	2.7%	-0.446%Below	$1,549Fees
Jumbo Loans	Sound	Strong	Mediocre	Sound	76	10.2%	+0.678%Above	$3,157Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume469

Mix63.2%

Spread

+0.511%Above

Fees

$3,342Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume173

Mix23.3%

Spread

+0.589%Above

Fees

$4,451Fees

VA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume20

Mix2.7%

Spread

-0.446%Below

Fees

$1,549Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume76

Mix10.2%

Spread

+0.678%Above

Fees

$3,157Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	597	80.5%	+0.520%Above	$3,775Fees
Refinance	Acceptable	Sound	Acceptable	Acceptable	145	19.5%	+0.579%Above	$2,842Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume597

Mix80.5%

Spread

+0.520%Above

Fees

$3,775Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Acceptable

Volume145

Mix19.5%

Spread

+0.579%Above

Fees

$2,842Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

742

Applications

1,153

Volume

$406 million

Pricing & Closing

Avg Rate Spread

+0.530%

vs. market APOR

Avg Net Fees

$3,624

Origination − Credits

Pullthrough Rate

64.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$547,345

Avg Borrower Income

$317,236

Avg Property Value

$774,205

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

30Full-year 2024 · HMDA

Loans originated

< 1010–2020–100100+None

Northeast5

CTMANHNJPA

Midwest2

ILMI

South13

ALDEFLGALAMDMSNCOKSCTNTXVA

West10

AZCACOHIIDNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 130Mix 17.52% of portfolio

70/100

Strong

2© Lan56 · CC BY-SA 3.0

Oxnard, CAMetro

Volume 51Mix 6.87% of portfolio

68/100

Strong

3© The Floridian Boricua · CC BY-SA 2.0

Orlando, FLMetro

Volume 72Mix 9.70% of portfolio

64/100

Strong

4© WMrapids · CC0

Grand Rapids, MIMetro

Volume 42Mix 5.66% of portfolio

57/100

Sound

Laredo, TXMetro

Volume 17Mix 2.29% of portfolio

57/100

Sound

Riverside, CAMetro

Volume 39Mix 5.26% of portfolio

55/100

Sound

Austin, TXMetro

Volume 25Mix 3.37% of portfolio

52/100

Sound

Lakeland, FLMetro

Volume 17Mix 2.29% of portfolio

49/100

Sound

Fort Worth, TXMetro

Volume 19Mix 2.56% of portfolio

48/100

Sound

Dallas, TXMetro

Volume 22Mix 2.96% of portfolio

47/100

Sound

Showing 10 of 15 metro areas

Top States by Place Specialization Score

CaliforniaState

Volume 272Mix 36.66% of portfolio

69/100

Strong

FloridaState

Volume 126Mix 16.98% of portfolio

60/100

Strong

MichiganState

Volume 81Mix 10.92% of portfolio

60/100

Sound

TexasState

Volume 112Mix 15.09% of portfolio

59/100

Sound

ArizonaState

Volume 22Mix 2.96% of portfolio

46/100

Sound

HawaiiState

Volume 13Mix 1.75% of portfolio

45/100

Sound

NevadaState

Volume 15Mix 2.02% of portfolio

44/100

Sound

TennesseeState

Volume 19Mix 2.56% of portfolio

44/100

Sound

GeorgiaState

Volume 14Mix 1.89% of portfolio

40/100

Sound

North CarolinaState

Volume 13Mix 1.75% of portfolio

39/100

Acceptable

Showing 10 of 11 states

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(80%+ = 40-50 points)

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.