# PEAK RESIDENTIAL LENDING INC

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


PEAK RESIDENTIAL LENDING INC is a independent mortgage company, headquartered in Gilbert, AZ, serving borrowers across 11 states, with 449 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 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493009QYNVEZ9VDJU57
- **Headquarters:** Gilbert, AZ
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AR, AZ, CA, FL, ID, KY, MT, NV, TN, TX, WA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,961
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 449
- **Dollar Volume:** $174 million
- **Applications Received:** 633
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $388,318
- **Average Borrower Income:** $141,724
- **Average Property Value:** $496,514

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 297 | +0.357% | $4,052 | Strong 😀 |
| FHA | 71/100 | 105 | +0.435% | $3,916 | Strong 😀 |
| VA | 69/100 | 41 | -0.186% | $3,452 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 259 loans, Score: 68/100 (Strong)
- Refinance: 38 loans, Score: 40/100 (Acceptable)

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

**VA:**
- Purchase: 38 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 403 | $160M | +0.344% | Strong 😀 |
| Refinance | 57/100 | 46 | $14M | +0.288% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 323 | 0.11% | 72/100 |
| AZ | 61 | 0.06% | 59/100 |
| NV | 39 | 0.10% | 58/100 |
| KY | 10 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Yuba City, CA | CA | 134 | 98/100 |
| Sacramento | CA | 75 | 67/100 |
| Bakersfield | CA | 60 | 69/100 |
| Non |  | 47 | 42/100 |
| Phoenix | AZ | 36 | 54/100 |
| Reno, NV | NV | 31 | 61/100 |
| Chico, CA | CA | 19 | 59/100 |

## Where This Lender Ranks

PEAK RESIDENTIAL LENDING INC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Yuba City, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Yuba City, CA
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders)
- 🏆 **#6** in Yuba City, CA for VA Loans
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Yuba City, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Yuba City, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Yuba City, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Yuba City, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/yuba-city-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Reno, NV Mortgage Companies
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Reno, NV for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Chico, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chico-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does PEAK RESIDENTIAL LENDING INC offer?

PEAK RESIDENTIAL LENDING INC 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 PEAK RESIDENTIAL LENDING INC offer mortgages?

PEAK RESIDENTIAL LENDING INC offers mortgages in 11 states: AR, AZ, CA, FL, ID, KY, MT, NV, TN, TX, WA.

### How competitive are PEAK RESIDENTIAL LENDING INC's mortgage rates?

PEAK RESIDENTIAL LENDING 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 0.339% above market average.

### What type of lender is PEAK RESIDENTIAL LENDING INC?

PEAK RESIDENTIAL LENDING INC is a non-depository lender that specializes in mortgage origination, headquartered in Gilbert, AZ.

### What is PEAK RESIDENTIAL LENDING INC's loan approval success rate?

PEAK RESIDENTIAL LENDING INC has a pull-through score of 77/100 (Strong). 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/peak-residential-lending

### How to Cite

> "PEAK RESIDENTIAL LENDING INC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/peak-residential-lending

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