Pacific Equity and Loan at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
17th13.4% deniedProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 145 | 60 | 1.4% | 2.6% | 12.00% | $22M |
| 2024 | 422 | 217 | 5.7% | 5.7% | 12.00% | $99M |
| 2025 | 276 | 157 | 13.4% | 13.4% | 12.00% | $92M |
What Pacific Equity and Loan lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 276 investment properties.
Why Pacific Equity and Loan denies applications
Primary reason reported for each of the 37 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Pacific Equity and Loan
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 59 | 32 | 10.2% |
| 35–44 | 88 | 55 | 12.5% |
| 45–54 | 56 | 31 | 19.6% |
| 55–64 | 36 | 24 | 8.3% |
| 65–74 | 20 | 9 | 20.0% |
Where Pacific Equity and Loan lends
4 states and 0 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Washington | 126 | 74 | 12.7% | 12.00% | #221 |
| Texas | 92 | 46 | 15.2% | 12.00% | #569 |
| Georgia | 43 | 25 | 14.0% | 12.00% | #456 |
| Colorado | 15 | 12 | 6.7% | 12.00% | #448 |
Frequently asked questions
Pacific Equity and Loan denied 13.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 17th percentile of investment-property lenders.
The most common reason Pacific Equity and Loan gave in 2025 was "collateral", cited on 43.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Pacific Equity and Loan originated in 2025 was 12.00%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 73% of its applications were for home purchases, 27% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.