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Pacific Residential Mortgage, LLC
Independent Mortgage Company•LAKE OSWEGO, OR•Direct to Consumer
We analyzed every closed loan from Pacific Residential Mortgage — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 19 mkts
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Safe Rate's 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, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +36.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Multi-Regional20 markets | |
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 |
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 |
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
States Served
20
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALAZCACOFLGAIDILMIMNMTNMNVOHORSCTNTXUTWA
Top Metro Areas by Place Specialization Score
1
Albany, OR, ORMSA
Volume: 45Mix: 4.32%of portfolio
Place
Exceptional2
Portland, OR-WAMSA
Volume: 293Mix: 28.15%of portfolio
Place
Exceptional3
Phoenix, AZMSA
Volume: 132Mix: 12.68%of portfolio
Place
Strong4
Sacramento, CAMSA
Volume: 79Mix: 7.59%of portfolio
Place
Strong5
Salem, OR, ORMSA
Volume: 34Mix: 3.27%of portfolio
Place
Strong6
Stockton, CAMSA
Volume: 34Mix: 3.27%of portfolio
Place
Strong7
Santa Rosa, CAMSA
Volume: 22Mix: 2.11%of portfolio
Place
Sound8
Las Cruces, NM, NMMSA
Volume: 23Mix: 2.21%of portfolio
Place
Sound9
Lake Havasu City, AZMSA
Volume: 17Mix: 1.63%of portfolio
Place
Sound10
Fort Worth, TXMSA
Volume: 26Mix: 2.50%of portfolio
Place
SoundShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 428Mix: 41.11%of portfolio
Place
Exceptional2
AZState
Volume: 160Mix: 15.37%of portfolio
Place
Strong3
CAState
Volume: 268Mix: 25.74%of portfolio
Place
Strong4
NMState
Volume: 24Mix: 2.31%of portfolio
Place
Sound5
WAState
Volume: 29Mix: 2.79%of portfolio
Place
Sound6
UTState
Volume: 22Mix: 2.11%of portfolio
Place
Sound7
TXState
Volume: 42Mix: 4.03%of portfolio
Place
Sound8
NVState
Volume: 16Mix: 1.54%of portfolio
Place
Sound9
IDState
Volume: 11Mix: 1.06%of portfolio
Place
Sound10
FLState
Volume: 19Mix: 1.83%of portfolio
Place
AcceptableHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.