# Sierra Pacific Mortgage Company, Inc.

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


> **📋 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


Sierra Pacific Mortgage Company, Inc. is a independent mortgage company, headquartered in Folsom, CA, serving borrowers nationwide, with 7,145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900TTZ395IC926125
- **Headquarters:** Folsom, CA
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 32.9%
- **Brokered/Wholesale:** 67.1%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.263%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,577
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,145
- **Dollar Volume:** $2.6 billion
- **Applications Received:** 9,846
- **Market Share:** 20.00%

## Typical Borrower Profile

- **Average Loan Amount:** $365,872
- **Average Borrower Income:** $141,649
- **Average Property Value:** $482,254

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 4,808 | +0.255% | $3,373 | Exceptional 🤩 |
| FHA | 86/100 | 1,737 | +0.430% | $4,338 | Exceptional 🤩 |
| VA | 81/100 | 457 | -0.298% | $2,814 | Exceptional 🤩 |
| Jumbo | 65/100 | 26 | +0.374% | $3,431 | Strong 😀 |
| USDA | 88/100 | 117 | +0.245% | $3,033 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 4,036 loans, Score: 82/100 (Exceptional)
- Refinance: 772 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 1,624 loans, Score: 86/100 (Exceptional)
- Refinance: 113 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 441 loans, Score: 81/100 (Exceptional)

**Jumbo:**
- Purchase: 21 loans, Score: 67/100 (Strong)

**USDA:**
- Purchase: 116 loans, Score: 88/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 85/100 | 6,238 | $2.3B | +0.274% | Exceptional 🤩 |
| Refinance | 76/100 | 907 | $302M | +0.181% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 2,398 | 0.84% | 84/100 |
| TX | 545 | 0.16% | 70/100 |
| KS | 464 | 1.55% | 86/100 |
| FL | 442 | 0.15% | 67/100 |
| OR | 367 | 0.86% | 77/100 |
| MD | 262 | 0.37% | 70/100 |
| TN | 212 | 0.23% | 67/100 |
| AZ | 210 | 0.21% | 66/100 |
| UT | 191 | 0.42% | 67/100 |
| WA | 173 | 0.20% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 631 | 70/100 |
| Wichita, KS | KS | 386 | 90/100 |
| Sacramento | CA | 309 | 76/100 |
| Fresno, CA | CA | 290 | 83/100 |
| Bakersfield | CA | 285 | 85/100 |
| Los Angeles | CA | 256 | 72/100 |
| Riverside | CA | 219 | 69/100 |
| Dallas | TX | 175 | 67/100 |
| Portland | OR-WA | 173 | 69/100 |
| Baltimore | MD | 168 | 69/100 |
| San Diego | CA | 147 | 67/100 |
| Phoenix | AZ | 138 | 62/100 |
| Houston | TX | 131 | 62/100 |
| Oakland | CA | 113 | 68/100 |
| Indianapolis | IN | 99 | 63/100 |

## Where This Lender Ranks

Sierra Pacific Mortgage Company, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Wichita, KS for USDA Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Wichita, KS for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Bakersfield for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Spartanburg, SC for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in California for USDA Loans
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in California for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Oregon for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Utah for USDA Loans
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Utah for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Hagerstown for USDA Loans
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Hagerstown for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Spartanburg, SC for USDA Loans
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Wichita, KS for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Oregon for USDA Loans
  - [View Full Rankings](https://saferate.com/oregon/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in Fresno, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fresno-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Johnson City, TN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Johnson City, TN for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/johnson-city-tn/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Knoxville, TN for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#7** in Logan, UT Mortgage Companies
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Logan, UT for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does Sierra Pacific Mortgage Company, Inc. offer?

Sierra Pacific Mortgage Company, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Sierra Pacific Mortgage Company, Inc. offer mortgages?

Sierra Pacific Mortgage Company, Inc. is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Sierra Pacific Mortgage Company, Inc.'s mortgage rates?

Sierra Pacific Mortgage Company, Inc. has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.263% above market average.

### What type of lender is Sierra Pacific Mortgage Company, Inc.?

Sierra Pacific Mortgage Company, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Folsom, CA.

### What is Sierra Pacific Mortgage Company, Inc.'s loan approval success rate?

Sierra Pacific Mortgage Company, Inc. has a pull-through score of 80/100 (Exceptional). 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/sierra-pacific-mortgage-company

### How to Cite

> "Sierra Pacific Mortgage Company, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sierra-pacific-mortgage-company

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