Pacific Lending at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
31st0.45 ptsProcesswithdrawn + incomplete share, weight 15%
19th20.2%Closing coststotal loan costs ÷ loan amount, weight 10%
18th3.02% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 392 | 349 | 0.0% | 0.0% | 6.75% | $135M |
| 2024 | 387 | 329 | 0.0% | 0.0% | 6.63% | $137M |
| 2025 | 504 | 402 | 0.0% | 0.0% | 6.50% | $178M |
What Pacific Lending 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, 7 manufactured homes, 23 investment properties.
Who gets approved at Pacific Lending
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 149 | 123 | 0.0% |
| $100k – $150k | 130 | 108 | 0.0% |
| $150k – $250k | 137 | 112 | 0.0% |
| Over $250k | 56 | 37 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 38 | 33 | 0.0% |
| 25–34 | 129 | 107 | 0.0% |
| 35–44 | 131 | 108 | 0.0% |
| 45–54 | 99 | 80 | 0.0% |
| 55–64 | 74 | 50 | 0.0% |
| 65–74 | 24 | 17 | 0.0% |
Where Pacific Lending lends
19 states and 70 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 384 | 303 | 0.0% | 6.50% | #291 |
| Hawaii | 29 | 20 | 0.0% | 6.13% | #114 |
| Arizona | 18 | 18 | 0.0% | 6.75% | #430 |
| Texas | 17 | 12 | 0.0% | 6.50% | #878 |
| Florida | 14 | 10 | 0.0% | 6.63% | #835 |
| Tennessee | 14 | 14 | 0.0% | 6.50% | #587 |
| Nevada | 7 | 7 | 0.0% | 6.50% | #343 |
| Washington | 6 | 5 | 0.0% | 6.63% | #513 |
Frequently asked questions
Pacific Lending denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Pacific Lending originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.45 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 70% of its applications were for home purchases, 30% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 52% conventional, 33% FHA, 15% 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.