# PFN Lending Group, Inc.

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


> **📋 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


PFN Lending Group, Inc. is a independent mortgage company, headquartered in CALABASAS, CA, serving borrowers across 30 states, with 742 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 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930091CYUK2SDZ6D37
- **Headquarters:** CALABASAS, CA
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** 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
- **Markets (MSAs):** 16
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 92.8%
- **Brokered/Wholesale:** 7.2%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.530%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,624
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 742
- **Dollar Volume:** $406 million
- **Applications Received:** 1,153
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $547,345
- **Average Borrower Income:** $317,236
- **Average Property Value:** $774,205

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 469 | +0.511% | $3,342 | Sound ☺️ |
| FHA | 70/100 | 173 | +0.589% | $4,451 | Strong 😀 |
| VA | 41/100 | 20 | -0.446% | $1,549 | Sound ☺️ |
| Jumbo | 75/100 | 76 | +0.678% | $3,157 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 366 loans, Score: 55/100 (Sound)
- Refinance: 103 loans, Score: 53/100 (Sound)

**FHA:**
- Purchase: 169 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 41 loans, Score: 72/100 (Strong)
- Refinance: 35 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 597 | $297M | +0.520% | Strong 😀 |
| Refinance | 55/100 | 145 | $109M | +0.579% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 272 | 0.10% | 69/100 |
| FL | 126 | 0.04% | 60/100 |
| TX | 112 | 0.03% | 59/100 |
| MI | 81 | 0.07% | 60/100 |
| AZ | 22 | 0.02% | 46/100 |
| TN | 19 | 0.02% | 44/100 |
| NV | 15 | 0.04% | 44/100 |
| GA | 14 | 0.01% | 40/100 |
| HI | 13 | 0.14% | 45/100 |
| NC | 13 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 130 | 70/100 |
| Orlando | FL | 72 | 64/100 |
| Non |  | 56 | 43/100 |
| Oxnard | CA | 51 | 68/100 |
| Grand Rapids | MI | 42 | 57/100 |
| Riverside | CA | 39 | 55/100 |
| Austin | TX | 25 | 52/100 |
| Dallas | TX | 22 | 47/100 |
| Phoenix | AZ | 21 | 46/100 |
| Fort Worth | TX | 19 | 48/100 |
| Lakeland | FL | 17 | 49/100 |
| Laredo, TX | TX | 17 | 57/100 |
| Las Vegas | NV | 15 | 45/100 |
| Deltona | FL | 14 | 47/100 |
| Anaheim | CA | 11 | 42/100 |

## Where This Lender Ranks

PFN Lending Group, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Laredo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Oxnard for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Oxnard for FHA Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Grand Rapids for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Laredo, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Laredo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Laredo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does PFN Lending Group, Inc. offer?

PFN Lending Group, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PFN Lending Group, Inc. offer mortgages?

PFN Lending Group, Inc. 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, Inc.'s mortgage rates?

PFN Lending Group, Inc. 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 0.530% above market average.

### What type of lender is PFN Lending Group, Inc.?

PFN Lending Group, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in CALABASAS, CA.

### What is PFN Lending Group, Inc.'s loan approval success rate?

PFN Lending Group, Inc. has a pull-through score of 50/100 (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/pfn-lending-group

### How to Cite

> "PFN Lending Group, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pfn-lending-group

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