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PACIFIC RESIDENTIAL MORTGAGE, LLC
Independent Mortgage Company|LAKE OSWEGO, OR|Multi-Region
Loans Originated
1,041
Applications
1,442
Volume
$428 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.363%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,021
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.2%
Percentage of applications that result in closed loans
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)
Report Card
PACIFIC RESIDENTIAL MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 20 metro areas · 20 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$411,849
Average Borrower Income
$161,636
Average Property Value
$547,949
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 727 | 69.8% | +0.349% | $4,090 |
FHA Loans | Sound | Strong | Acceptable | Strong | 228 | 21.9% | +0.492% | $4,036 |
VA Loans | Sound | Strong | Mediocre | Strong | 76 | 7.3% | -0.018% | $3,307 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 925 | 88.9% | +0.370% | $4,077 |
Refinance | Acceptable | Sound | Mediocre | Sound | 116 | 11.1% | +0.308% | $3,570 |
Geographic Coverage
Metro Areas
19
States Served
20
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLGAIDILMIMNMTNMNVOHORSCTNTXUTWA
Top Metro Areas by Place Specialization Score
1
Albany, OR, ORMSA
Volume: 45Mix: 4.32%
Place Specialization
Exceptional
2
Portland, OR-WAMSA
Volume: 293Mix: 28.15%
Place Specialization
Exceptional
3
Phoenix, AZMSA
Volume: 132Mix: 12.68%
Place Specialization
Strong
4
Sacramento, CAMSA
Volume: 79Mix: 7.59%
Place Specialization
Strong
5
Salem, OR, ORMSA
Volume: 34Mix: 3.27%
Place Specialization
Strong
6
Stockton, CAMSA
Volume: 34Mix: 3.27%
Place Specialization
Strong
7
Santa Rosa, CAMSA
Volume: 22Mix: 2.11%
Place Specialization
Sound
8
Las Cruces, NM, NMMSA
Volume: 23Mix: 2.21%
Place Specialization
Sound
9
Lake Havasu City, AZMSA
Volume: 17Mix: 1.63%
Place Specialization
Sound
10
Fort Worth, TXMSA
Volume: 26Mix: 2.50%
Place Specialization
Sound
Showing 10 of 19 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 428Mix: 41.11%
Place Specialization
Exceptional
2
AZState
Volume: 160Mix: 15.37%
Place Specialization
Strong
3
CAState
Volume: 268Mix: 25.74%
Place Specialization
Strong
4
NMState
Volume: 24Mix: 2.31%
Place Specialization
Sound
5
WAState
Volume: 29Mix: 2.79%
Place Specialization
Sound
6
UTState
Volume: 22Mix: 2.11%
Place Specialization
Sound
7
TXState
Volume: 42Mix: 4.03%
Place Specialization
Sound
8
NVState
Volume: 16Mix: 1.54%
Place Specialization
Sound
9
IDState
Volume: 11Mix: 1.06%
Place Specialization
Sound
10
FLState
Volume: 19Mix: 1.83%
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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