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PFN Lending Group, Inc.
Independent Mortgage Company|CALABASAS, CA|Near-National
Loans Originated
742
Applications
1,153
Volume
$406 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.530%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,624
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 53 basis points above market average
Report Card
PFN Lending Group, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 16 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$547,345
Average Borrower Income
$317,236
Average Property Value
$774,205
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 469 | 63.2% | +0.511% | $3,342 |
FHA Loans | Sound | Strong | Acceptable | Exceptional | 173 | 23.3% | +0.589% | $4,451 |
VA Loans | Acceptable | Sound | N/A | Acceptable | 20 | 2.7% | -0.446% | $1,549 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 76 | 10.2% | +0.678% | $3,157 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 597 | 80.5% | +0.520% | $3,775 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 145 | 19.5% | +0.579% | $2,842 |
Geographic Coverage
Metro Areas
15
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDEFLGAHIIDILLAMAMDMIMSNCNHNJNMNVOKORPASCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 130Mix: 17.52%
Place Specialization
Strong
2
Oxnard, CAMSA
Volume: 51Mix: 6.87%
Place Specialization
Strong
3
Orlando, FLMSA
Volume: 72Mix: 9.70%
Place Specialization
Strong
4
Grand Rapids, MIMSA
Volume: 42Mix: 5.66%
Place Specialization
Sound
5
Laredo, TX, TXMSA
Volume: 17Mix: 2.29%
Place Specialization
Sound
6
Riverside, CAMSA
Volume: 39Mix: 5.26%
Place Specialization
Sound
7
Austin, TXMSA
Volume: 25Mix: 3.37%
Place Specialization
Sound
8
Lakeland, FLMSA
Volume: 17Mix: 2.29%
Place Specialization
Sound
9
Fort Worth, TXMSA
Volume: 19Mix: 2.56%
Place Specialization
Sound
10
Dallas, TXMSA
Volume: 22Mix: 2.96%
Place Specialization
Sound
Showing 10 of 15 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 272Mix: 36.66%
Place Specialization
Strong
2
FLState
Volume: 126Mix: 16.98%
Place Specialization
Strong
3
MIState
Volume: 81Mix: 10.92%
Place Specialization
Sound
4
TXState
Volume: 112Mix: 15.09%
Place Specialization
Sound
5
AZState
Volume: 22Mix: 2.96%
Place Specialization
Sound
6
HIState
Volume: 13Mix: 1.75%
Place Specialization
Sound
7
NVState
Volume: 15Mix: 2.02%
Place Specialization
Sound
8
TNState
Volume: 19Mix: 2.56%
Place Specialization
Sound
9
GAState
Volume: 14Mix: 1.89%
Place Specialization
Sound
10
NCState
Volume: 13Mix: 1.75%
Place Specialization
Acceptable
Showing 10 of 11 states
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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