# PACIFIC RESIDENTIAL MORTGAGE, LLC

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


> **📋 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 RESIDENTIAL MORTGAGE, LLC is a independent mortgage company, headquartered in LAKE OSWEGO, OR, serving borrowers across 20 states, with 1,041 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300TUQC6OYE8A0Y96
- **Headquarters:** LAKE OSWEGO, OR
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AZ, CA, CO, FL, GA, ID, IL, MI, MN, MT, NM, NV, OH, OR, SC, TN, TX, UT, WA
- **Markets (MSAs):** 20
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.363%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,021
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,041
- **Dollar Volume:** $429 million
- **Applications Received:** 1,442
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $411,849
- **Average Borrower Income:** $161,636
- **Average Property Value:** $547,949

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 727 | +0.349% | $4,090 | Strong 😀 |
| FHA | 74/100 | 228 | +0.492% | $4,036 | Strong 😀 |
| VA | 69/100 | 76 | -0.018% | $3,307 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 626 loans, Score: 71/100 (Strong)
- Refinance: 101 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 220 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 70 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 925 | $388M | +0.370% | Strong 😀 |
| Refinance | 58/100 | 116 | $41M | +0.308% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OR | 428 | 1.00% | 85/100 |
| CA | 268 | 0.09% | 67/100 |
| AZ | 160 | 0.16% | 68/100 |
| TX | 42 | 0.01% | 47/100 |
| WA | 29 | 0.03% | 50/100 |
| NM | 24 | 0.12% | 50/100 |
| UT | 22 | 0.05% | 47/100 |
| FL | 19 | 0.01% | 39/100 |
| NV | 16 | 0.04% | 44/100 |
| ID | 11 | 0.04% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | OR-WA | 293 | 81/100 |
| Phoenix | AZ | 132 | 67/100 |
| Sacramento | CA | 79 | 65/100 |
| Non |  | 64 | 43/100 |
| Albany, OR | OR | 45 | 89/100 |
| Salem, OR | OR | 34 | 63/100 |
| Stockton | CA | 34 | 60/100 |
| Riverside | CA | 28 | 50/100 |
| Fort Worth | TX | 26 | 51/100 |
| Las Cruces, NM | NM | 23 | 55/100 |
| Oakland | CA | 22 | 50/100 |
| Santa Rosa | CA | 22 | 56/100 |
| Lake Havasu City | AZ | 17 | 52/100 |
| Salt Lake City | UT | 17 | 47/100 |
| San Diego | CA | 17 | 46/100 |

## Where This Lender Ranks

PACIFIC RESIDENTIAL MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Albany, OR
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders)
- 🏆 **#7** in Albany, OR Mortgage Companies
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/mortgage-companies)
- 🏆 **#13** in Corvallis, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Las Cruces, NM Mortgage Companies
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in Santa Rosa for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Oregon Mortgage Companies
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Portland Mortgage Companies
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Santa Rosa for FHA Loans
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Corvallis, OR for Conventional Loans
  - [View Full Rankings](https://saferate.com/corvallis-or/best-mortgage-lenders/conventional-loans)
- 🏆 **#19** in Salem, OR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salem-or/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#19** in Las Cruces, NM for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/las-cruces-nm/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Albany, OR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/albany-or/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#20** in Stockton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Santa Rosa Mortgage Companies
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Lake Havasu City for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-havasu-city/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does PACIFIC RESIDENTIAL MORTGAGE, LLC offer?

PACIFIC RESIDENTIAL MORTGAGE, 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 RESIDENTIAL MORTGAGE, LLC offer mortgages?

PACIFIC RESIDENTIAL MORTGAGE, LLC offers mortgages in 20 states: AL, AZ, CA, CO, FL, GA, ID, IL, MI, MN, MT, NM, NV, OH, OR, SC, TN, TX, UT, WA.

### How competitive are PACIFIC RESIDENTIAL MORTGAGE, LLC's mortgage rates?

PACIFIC RESIDENTIAL MORTGAGE, LLC has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.363% above market average.

### What type of lender is PACIFIC RESIDENTIAL MORTGAGE, LLC?

PACIFIC RESIDENTIAL MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in LAKE OSWEGO, OR.

### What is PACIFIC RESIDENTIAL MORTGAGE, LLC's loan approval success rate?

PACIFIC RESIDENTIAL MORTGAGE, LLC has a pull-through score of 66/100 (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-residential-mortgage

### How to Cite

> "PACIFIC RESIDENTIAL MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pacific-residential-mortgage

---

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