Applications / Mortgage Analytics / Lenders / California / Pacific Lending
Ontario, CA · Independent non-bank lender · CFPB · 402 loans in 2025
Pacific Lending's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
402
loans originated, 2025
504
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pacific Lending, a California non-bank lender, relies on government-backed loans far more than similar lenders, and grew 22% in 2025, about twice the pace of the market.
Loans insured by the Federal Housing Administration (FHA) were 35.1% of its lending, and loans guaranteed by the Department of Veterans Affairs (VA) another 16.4%. Similar lenders, independent non-banks making between half and twice as many loans, typically had 18.0% and 4.9%. Conventional loans were less than half of its book. Three in four of its loans were purchases.
It made 402 loans, up 22%, faster than about four in five similar lenders; their typical growth was 2% and the market's 10%. That is still far below the 1,877 loans it made in 2021.
Its strongest position is in Visalia, where it ranks 12 of 281 lenders and its share rose from 1.6% to 1.9%. Golden Empire Mortgage and United Wholesale Mortgage lead there. In its home market of Riverside-San Bernardino-Ontario it holds 0.1%, ranking 128 of 707.
Of its loans, 70.7% went to majority-minority neighborhoods, against 25.1% for similar lenders, which may reflect where it lends. Low- and moderate-income borrowers took 15.3%, against 23.4% at similar lenders. Its larger typical loan, $400,000 against $335,000, is one possible reason; the incomes of buyers in its markets may be another.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pacific Lending took 504 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.6% · Refinance 24.4%
Conventional 48.5% · FHA 35.1% · VA 16.4% · of 402 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 303 | 75.4% |
| Hawaii | 20 | 5.0% |
| Arizona | 18 | 4.5% |
| Tennessee | 14 | 3.5% |
| Texas | 12 | 3.0% |
| Florida | 10 | 2.5% |
| Nevada | 7 | 1.7% |
| Washington | 5 | 1.2% |
| Idaho | 2 | 0.5% |
| Illinois | 2 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Visalia | 111 |
| Riverside-San Bernardino-Ontario | 92 |
| Los Angeles-Long Beach-Glendale | 32 |
| San Diego-Chula Vista-Carlsbad | 27 |
| Urban Honolulu | 17 |
| Fresno | 14 |
| Phoenix-Mesa-Chandler | 14 |
| Bakersfield-Delano | 10 |
| Nashville-Davidson--Murfreesboro--Franklin | 10 |
| Hanford-Corcoran | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007IU6SKFLLNKZ07 | 2019–2025 |
Established 20 October 2011. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Pacific Lending's data.
Pacific Lending's data
$215
Pacific Lending and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Pacific Lending's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]