# PACIFIC LENDING LLC

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


> **📋 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 LENDING LLC is a independent mortgage company, headquartered in SACRAMENTO, CA, serving borrowers across 15 states, with 327 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549007IU6SKFLLNKZ07
- **Headquarters:** SACRAMENTO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, AZ, CA, CO, FL, HI, ID, IL, KS, MI, NC, NV, TN, TX, WA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.536%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,488
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 327
- **Dollar Volume:** $136 million
- **Applications Received:** 383
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $416,223
- **Average Borrower Income:** $159,196
- **Average Property Value:** $522,951

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 154 | +0.529% | $5,207 | Sound ☺️ |
| FHA | 70/100 | 128 | +0.714% | $5,743 | Strong 😀 |
| VA | 64/100 | 43 | -0.047% | $5,760 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 113 loans, Score: 47/100 (Sound)
- Refinance: 41 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 113 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 32 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 259 | $111M | +0.544% | Sound ☺️ |
| Refinance | 57/100 | 68 | $25M | +0.505% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 241 | 0.08% | 70/100 |
| TN | 16 | 0.02% | 44/100 |
| TX | 13 | 0.00% | 38/100 |
| AZ | 12 | 0.01% | 42/100 |
| HI | 12 | 0.13% | 46/100 |
| FL | 10 | 0.00% | 35/100 |
| NV | 10 | 0.02% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Visalia, CA | CA | 77 | 79/100 |
| Riverside | CA | 75 | 66/100 |
| Los Angeles | CA | 25 | 52/100 |
| Bakersfield | CA | 15 | 49/100 |
| Non |  | 14 | 25/100 |
| San Diego | CA | 12 | 44/100 |
| Sacramento | CA | 11 | 43/100 |

## Frequently Asked Questions

### What loan types does PACIFIC LENDING LLC offer?

PACIFIC LENDING LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PACIFIC LENDING LLC offer mortgages?

PACIFIC LENDING LLC offers mortgages in 15 states: AL, AZ, CA, CO, FL, HI, ID, IL, KS, MI, NC, NV, TN, TX, WA.

### How competitive are PACIFIC LENDING LLC's mortgage rates?

PACIFIC LENDING LLC has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.536% above market average.

### What type of lender is PACIFIC LENDING LLC?

PACIFIC LENDING LLC is a non-depository lender that specializes in mortgage origination, headquartered in SACRAMENTO, CA.

### What is PACIFIC LENDING LLC's loan approval success rate?

PACIFIC LENDING LLC has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-lending

### How to Cite

> "PACIFIC LENDING LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pacific-lending

---

**[View Interactive Profile →](https://saferate.com/lenders/pacific-lending)**