Pacific Residential Mortgage
We analyzed every closed loan from Pacific Residential Mortgage — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 19 mkts
Awards
FHA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,021)
Explore another lender or local market
Report Card
Pacific Residential Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+36.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 20 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 727 | 69.8% | +0.349%Above | $4,090Fees | ||||
FHA Loans | 228 | 21.9% | +0.492%Above | $4,036Fees | ||||
VA Loans | 76 | 7.3% | -0.018%Below | $3,307Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume727
Mix69.8%
Spread
+0.349%Above
Fees
$4,090Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume228
Mix21.9%
Spread
+0.492%Above
Fees
$4,036Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume76
Mix7.3%
Spread
-0.018%Below
Fees
$3,307Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 925 | 88.9% | +0.370%Above | $4,077Fees | ||||
Refinance | 116 | 11.1% | +0.308%Above | $3,570Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume925
Mix88.9%
Spread
+0.370%Above
Fees
$4,077Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume116
Mix11.1%
Spread
+0.308%Above
Fees
$3,570Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,041
Applications
1,442
Volume
$428 million
Pricing & Closing
Avg Rate Spread
+0.363%
vs. market APOR
Avg Net Fees
$4,021
Origination − Credits
Pullthrough Rate
72.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$411,849
Avg Borrower Income
$161,636
Avg Property Value
$547,949
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
20Midwest4
ILMIMNOH
South6
ALFLGASCTNTX
West10
AZCACOIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 45Mix 4.32% of portfolio
89/100
Exceptional
Volume 293Mix 28.15% of portfolio
81/100
Exceptional
Volume 132Mix 12.68% of portfolio
67/100
Strong
Volume 79Mix 7.59% of portfolio
65/100
Strong
Volume 34Mix 3.27% of portfolio
63/100
Strong
Volume 34Mix 3.27% of portfolio
60/100
Strong
Volume 22Mix 2.11% of portfolio
56/100
Sound
Volume 23Mix 2.21% of portfolio
55/100
Sound
Volume 17Mix 1.63% of portfolio
52/100
Sound
10© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 26Mix 2.50% of portfolio
51/100
SoundShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
OregonState
Volume 428Mix 41.11% of portfolio
85/100
Exceptional2
ArizonaState
Volume 160Mix 15.37% of portfolio
68/100
Strong3
CaliforniaState
Volume 268Mix 25.74% of portfolio
67/100
Strong4
New MexicoState
Volume 24Mix 2.31% of portfolio
50/100
Sound5
WashingtonState
Volume 29Mix 2.79% of portfolio
50/100
Sound6
UtahState
Volume 22Mix 2.11% of portfolio
47/100
Sound7
TexasState
Volume 42Mix 4.03% of portfolio
47/100
Sound8
NevadaState
Volume 16Mix 1.54% of portfolio
44/100
Sound9
IdahoState
Volume 11Mix 1.06% of portfolio
40/100
Sound10
FloridaState
Volume 19Mix 1.83% of portfolio
39/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.