What loan types does Sierra Pacific Mortgage Company offer?

Sierra Pacific Mortgage Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Sierra Pacific Mortgage Company offer mortgages?

Sierra Pacific Mortgage Company is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Sierra Pacific Mortgage Company's mortgage rates?

Sierra Pacific Mortgage Company has an overall pricing score of 31.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Sierra Pacific Mortgage Company?

Sierra Pacific Mortgage Company is a Independent Mortgage Company headquartered in Folsom, CA.

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Sierra Pacific Mortgage Company

Independent Mortgage Company•Folsom, CAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Sierra Pacific Mortgage Company — 7.1k loans across 10k 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

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Sierra Pacific Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+26.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	4,808	67.3%	+0.255%Above	$3,373Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	1,737	24.3%	+0.430%Above	$4,338Fees
VA Loans	Strong	Exceptional	Acceptable	Strong	457	6.4%	-0.298%Below	$2,814Fees
Jumbo Loans	Sound	Strong	—	Sound	26	0.4%	+0.374%Above	$3,431Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	117	1.6%	+0.245%Above	$3,033Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,808

Mix67.3%

Spread

+0.255%Above

Fees

$3,373Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,737

Mix24.3%

Spread

+0.430%Above

Fees

$4,338Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume457

Mix6.4%

Spread

-0.298%Below

Fees

$2,814Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume26

Mix0.4%

Spread

+0.374%Above

Fees

$3,431Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume117

Mix1.6%

Spread

+0.245%Above

Fees

$3,033Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	6,238	87.3%	+0.274%Above	$3,655Fees
Refinance	Strong	Strong	Sound	Strong	907	12.7%	+0.181%Above	$2,990Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume6,238

Mix87.3%

Spread

+0.274%Above

Fees

$3,655Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume907

Mix12.7%

Spread

+0.181%Above

Fees

$2,990Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

7,145

Applications

9,846

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.263%

vs. market APOR

Avg Net Fees

$3,577

Origination − Credits

Pullthrough Rate

72.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$365,872

Avg Borrower Income

$141,649

Avg Property Value

$482,254

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast8

CTMEMANHNJNYPARI

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South16

ALARDCDEFLGAKYMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Xnatedawgx · CC BY-SA 4.0

Wichita, KSMetro

Volume 386Mix 5.40% of portfolio

90/100

Exceptional

2© Bobak Ha'Eri · CC BY 3.0

Bakersfield, CAMetro

Volume 285Mix 3.99% of portfolio

85/100

Exceptional

3© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0

Fresno, CAMetro

Volume 290Mix 4.06% of portfolio

83/100

Exceptional

Sacramento, CAMetro

Volume 309Mix 4.32% of portfolio

76/100

Strong

Los Angeles, CAMetro

Volume 256Mix 3.58% of portfolio

72/100

Strong

Hagerstown, MD-WVMetro

Volume 81Mix 1.13% of portfolio

71/100

Strong

Logan, UT, UT-IDMetro

Volume 49Mix 0.69% of portfolio

70/100

Strong

Baltimore, MDMetro

Volume 168Mix 2.35% of portfolio

69/100

Strong

Riverside, CAMetro

Volume 219Mix 3.07% of portfolio

69/100

Strong

Portland, OR-WAMetro

Volume 173Mix 2.42% of portfolio

69/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

KansasState

Volume 464Mix 6.49% of portfolio

86/100

Exceptional

CaliforniaState

Volume 2,398Mix 33.56% of portfolio

84/100

Exceptional

OregonState

Volume 367Mix 5.14% of portfolio

77/100

Strong

TexasState

Volume 545Mix 7.63% of portfolio

70/100

Strong

MarylandState

Volume 262Mix 3.67% of portfolio

70/100

Strong

West VirginiaState

Volume 101Mix 1.41% of portfolio

68/100

Strong

UtahState

Volume 191Mix 2.67% of portfolio

67/100

Strong

FloridaState

Volume 442Mix 6.19% of portfolio

67/100

Strong

TennesseeState

Volume 212Mix 2.97% of portfolio

67/100

Strong

WashingtonState

Volume 173Mix 2.42% of portfolio

66/100

Strong

Showing 10 of 40 states

How 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.