# PACIFIC HOME LOANS, INC.

> **Canonical URL:** https://saferate.com/lenders/pacific-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PACIFIC HOME LOANS, INC. is a independent mortgage company, headquartered in KIHEI, HI, serving borrowers across 5 states, with 54 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LF0MZUT1N6QL28
- **Headquarters:** KIHEI, HI
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, CA, HI, NV, OR
- **Markets (MSAs):** 2
- **Primary Channel:** mix
- **Direct Origination:** 71.6%
- **Brokered/Wholesale:** 28.4%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.310%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,979
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 54
- **Dollar Volume:** $37 million
- **Applications Received:** 74
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $677,407
- **Average Borrower Income:** $269,037
- **Average Property Value:** $1,062,037

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 53 | +0.303% | $4,170 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 45 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 45 | $31M | +0.293% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| HI | 47 | 0.52% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kahului | HI | 34 | 88/100 |
| Non |  | 12 | 31/100 |

## Where This Lender Ranks

PACIFIC HOME LOANS, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Kahului Mortgage Companies
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/mortgage-companies)
- 🏆 **#9** in Kahului for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Kahului
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders)
- 🏆 **#12** in Kahului for Conventional Loans
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does PACIFIC HOME LOANS, INC. offer?

PACIFIC HOME LOANS, INC. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PACIFIC HOME LOANS, INC. offer mortgages?

PACIFIC HOME LOANS, INC. offers mortgages in 5 states: AZ, CA, HI, NV, OR.

### How competitive are PACIFIC HOME LOANS, INC.'s mortgage rates?

PACIFIC HOME LOANS, INC. has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.310% above market average.

### What type of lender is PACIFIC HOME LOANS, INC.?

PACIFIC HOME LOANS, INC. is a non-depository lender that specializes in mortgage origination, headquartered in KIHEI, HI.

### What is PACIFIC HOME LOANS, INC.'s loan approval success rate?

PACIFIC HOME LOANS, INC. has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/pacific-home-loans

### How to Cite

> "PACIFIC HOME LOANS, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pacific-home-loans

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