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PACIFIC LENDING LLC
Independent Mortgage Company|SACRAMENTO, CA|Multi-Region
Loans Originated
327
Applications
383
Volume
$136 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.536%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,488
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
85.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Rates typically 54 basis points above market average
- Higher than average fees ($5,488)
Report Card
PACIFIC LENDING LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 7 metro areas · 15 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$416,223
Average Borrower Income
$159,196
Average Property Value
$522,951
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Strong | 154 | 47.1% | +0.529% | $5,207 |
FHA Loans | Sound | Strong | Mediocre | Exceptional | 128 | 39.1% | +0.714% | $5,743 |
VA Loans | Sound | Strong | Mediocre | Exceptional | 43 | 13.1% | -0.047% | $5,760 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Strong | 259 | 79.2% | +0.544% | $5,534 |
Refinance | Acceptable | Sound | Mediocre | Strong | 68 | 20.8% | +0.505% | $5,312 |
Geographic Coverage
Metro Areas
6
States Served
15
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLHIIDILKSMINCNVTNTXWA
Top Metro Areas by Place Specialization Score
1
Visalia, CA, CAMSA
Volume: 77Mix: 23.55%
Place Specialization
Strong
2
Riverside, CAMSA
Volume: 75Mix: 22.94%
Place Specialization
Strong
3
Los Angeles, CAMSA
Volume: 25Mix: 7.65%
Place Specialization
Sound
4
Bakersfield, CAMSA
Volume: 15Mix: 4.59%
Place Specialization
Sound
5
San Diego, CAMSA
Volume: 12Mix: 3.67%
Place Specialization
Sound
6
Sacramento, CAMSA
Volume: 11Mix: 3.36%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 241Mix: 73.70%
Place Specialization
Strong
2
HIState
Volume: 12Mix: 3.67%
Place Specialization
Sound
3
TNState
Volume: 16Mix: 4.89%
Place Specialization
Sound
4
AZState
Volume: 12Mix: 3.67%
Place Specialization
Sound
5
NVState
Volume: 10Mix: 3.06%
Place Specialization
Sound
6
TXState
Volume: 13Mix: 3.98%
Place Specialization
Acceptable
7
FLState
Volume: 10Mix: 3.06%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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