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Sierra Pacific Mortgage Company, Inc.
Independent Mortgage Company•Folsom, CA•Direct to Consumer
We analyzed every closed loan from Sierra Pacific Mortgage Company — 7.1k loans across 10k 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
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
Safe Rate Awards⭐Refinance Superstar
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Safe Rate's 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, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +26.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,808 | 67.3% | +0.255%Above | $3,373Fees | ||||
FHA Loans | 1,737 | 24.3% | +0.430%Above | $4,338Fees | ||||
VA Loans | 457 | 6.4% | -0.298%Below | $2,814Fees | ||||
Jumbo Loans | — | 26 | 0.4% | +0.374%Above | $3,431Fees | |||
USDA Loans | 117 | 1.6% | +0.245%Above | $3,033Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 6,238 | 87.3% | +0.274%Above | $3,655Fees | ||||
Refinance | 907 | 12.7% | +0.181%Above | $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
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Wichita, KS, KSMSA
Volume: 386Mix: 5.40%of portfolio
Place
Exceptional2
Bakersfield, CAMSA
Volume: 285Mix: 3.99%of portfolio
Place
Exceptional3
Fresno, CA, CAMSA
Volume: 290Mix: 4.06%of portfolio
Place
Exceptional4
Sacramento, CAMSA
Volume: 309Mix: 4.32%of portfolio
Place
Strong5
Los Angeles, CAMSA
Volume: 256Mix: 3.58%of portfolio
Place
Strong6
Hagerstown, MD-WVMSA
Volume: 81Mix: 1.13%of portfolio
Place
Strong7
Logan, UT, UT-IDMSA
Volume: 49Mix: 0.69%of portfolio
Place
Strong8
Baltimore, MDMSA
Volume: 168Mix: 2.35%of portfolio
Place
Strong9
Riverside, CAMSA
Volume: 219Mix: 3.07%of portfolio
Place
Strong10
Portland, OR-WAMSA
Volume: 173Mix: 2.42%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
KSState
Volume: 464Mix: 6.49%of portfolio
Place
Exceptional2
CAState
Volume: 2,398Mix: 33.56%of portfolio
Place
Exceptional3
ORState
Volume: 367Mix: 5.14%of portfolio
Place
Strong4
TXState
Volume: 545Mix: 7.63%of portfolio
Place
Strong5
MDState
Volume: 262Mix: 3.67%of portfolio
Place
Strong6
WVState
Volume: 101Mix: 1.41%of portfolio
Place
Strong7
UTState
Volume: 191Mix: 2.67%of portfolio
Place
Strong8
FLState
Volume: 442Mix: 6.19%of portfolio
Place
Strong9
TNState
Volume: 212Mix: 2.97%of portfolio
Place
Strong10
WAState
Volume: 173Mix: 2.42%of portfolio
Place
StrongShowing 10 of 40 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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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.