Pacific Equity And Loan Mortgage Rates, Fees & Info
FEDERAL WAY, WALEI: 98450064457HF042AA24
Tax ID: 83-2159068
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Mortgage Data
Review & Overview
Pacific Equity And Loan is a smaller mortgage company specializing in Home Purchase loans. Pacific Equity And Loan has a high proportion of conventional loans.Pacific Equity And Loan has an above average approval rate when compared to the average across all lenders.
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Originations
198Origination Dollar Volume (All Markets)
$86,820,000Top Markets
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| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 198 | $86,820,000 | $438,485 | $0 | 10.87% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 198 | $86,820,000 | $438,485 | $0 | 10.87% |
For 2022, Pacific Equity And Loan's most frequently originated type of loan was Conventional, with 198 originations.
Loan Reason
For 2022, Pacific Equity And Loan's most frequently cited loan purpose was Home Purchase, with 152 originations. The 2nd most popular reason was Cash Out Refi, with 34 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 185 | $76,435,000 | $413,162 | $0 | 10.91% |
| 1 Year | 13 | $10,385,000 | $798,846 | $0 | 10.44% |
For 2022, Pacific Equity And Loan's most frequently cited loan duration was Other, with 185 originations. The 2nd most popular length was 1 Year, with 13 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 183 | $82,825,000 | $452,596 |
| 7-8% | 1 | $995,000 | $995,000 |
During 2022, Pacific Equity And Loan's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 183 originations.
Loan Sizing
2022 saw Pacific Equity And Loan place emphasis on $200k-400k loans with 87 originations, totaling $26,515,000 in origination value.
Applicant Debt to Income Ratio
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Pacific Equity And Loan has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 10040.0 | 1 | $425,000 | $425,000 |
| 10067.0 | 1 | $425,000 | $425,000 |
| 10092.5 | 1 | $345,000 | $345,000 |
| 10220.0 | 1 | $435,000 | $435,000 |
| 10229.0 | 1 | $435,000 | $435,000 |
| 10393.13 | 1 | $395,000 | $395,000 |
| 10460.0 | 3 | $1,335,000 | $445,000 |
| 10488.0 | 1 | $445,000 | $445,000 |
| 105481.15 | 1 | $2,945,000 | $2,945,000 |
| 10810.0 | 2 | $730,000 | $365,000 |
| 10827.0 | 1 | $465,000 | $465,000 |
| 10864.0 | 1 | $465,000 | $465,000 |
| 1090.0 | 1 | $55,000 | $55,000 |
| 11000.0 | 1 | $475,000 | $475,000 |
| 11190.0 | 1 | $485,000 | $485,000 |
| 11260.0 | 1 | $485,000 | $485,000 |
| 11264.74 | 1 | $485,000 | $485,000 |
| 11300.0 | 1 | $495,000 | $495,000 |
| 11340.0 | 1 | $495,000 | $495,000 |
| 11370.0 | 1 | $435,000 | $435,000 |
| 11400.0 | 1 | $495,000 | $495,000 |
| 11420.25 | 1 | $445,000 | $445,000 |
| 11460.0 | 1 | $495,000 | $495,000 |
| 11560.0 | 1 | $505,000 | $505,000 |
| 11580.0 | 1 | $505,000 | $505,000 |
| 11615.0 | 1 | $505,000 | $505,000 |
| 11616.0 | 1 | $505,000 | $505,000 |
| 11697.0 | 1 | $505,000 | $505,000 |
| 11830.0 | 1 | $505,000 | $505,000 |
| 11841.48 | 1 | $505,000 | $505,000 |
| 11912.9 | 1 | $525,000 | $525,000 |
| 11920.0 | 1 | $525,000 | $525,000 |
| 11950.0 | 1 | $525,000 | $525,000 |
| 11960.0 | 1 | $525,000 | $525,000 |
| 11970.0 | 1 | $345,000 | $345,000 |
| 12110.0 | 1 | $525,000 | $525,000 |
| 12112.8 | 1 | $535,000 | $535,000 |
| 12140.0 | 1 | $335,000 | $335,000 |
| 12370.0 | 1 | $545,000 | $545,000 |
| 12460.0 | 1 | $545,000 | $545,000 |
| 12502.68 | 1 | $405,000 | $405,000 |
| 12525.0 | 1 | $365,000 | $365,000 |
| 12658.0 | 1 | $555,000 | $555,000 |
| 12829.5 | 1 | $375,000 | $375,000 |
| 12960.0 | 1 | $385,000 | $385,000 |
| 13040.0 | 1 | $575,000 | $575,000 |
| 13240.0 | 1 | $575,000 | $575,000 |
| 13260.0 | 2 | $1,170,000 | $585,000 |
| 13290.0 | 1 | $585,000 | $585,000 |
| 13330.0 | 1 | $595,000 | $595,000 |
| 13375.84 | 1 | $595,000 | $595,000 |
| 13380.0 | 1 | $295,000 | $295,000 |
| 13400.0 | 1 | $595,000 | $595,000 |
| 13680.0 | 1 | $605,000 | $605,000 |
| 13960.0 | 1 | $625,000 | $625,000 |
| 14010.0 | 1 | $415,000 | $415,000 |
| 14224.5 | 1 | $425,000 | $425,000 |
| 14280.0 | 1 | $855,000 | $855,000 |
| 14740.0 | 1 | $665,000 | $665,000 |
| 14856.0 | 1 | $665,000 | $665,000 |
| 14880.0 | 1 | $355,000 | $355,000 |
| 15410.0 | 1 | $695,000 | $695,000 |
| 15522.0 | 1 | $705,000 | $705,000 |
| 1557.5 | 1 | $55,000 | $55,000 |
| 15717.81 | 1 | $465,000 | $465,000 |
| 15732.0 | 1 | $715,000 | $715,000 |
| 15740.0 | 1 | $355,000 | $355,000 |
| 16314.55 | 1 | $745,000 | $745,000 |
| 16602.36 | 1 | $645,000 | $645,000 |
| 16980.0 | 1 | $775,000 | $775,000 |
| 17010.0 | 1 | $775,000 | $775,000 |
| 17317.5 | 1 | $705,000 | $705,000 |
| 17353.1 | 1 | $795,000 | $795,000 |
| 17670.0 | 1 | $535,000 | $535,000 |
| 17972.5 | 1 | $595,000 | $595,000 |
| 18050.0 | 1 | $535,000 | $535,000 |
| 18300.0 | 1 | $845,000 | $845,000 |
| 1850.0 | 1 | $85,000 | $85,000 |
| 18739.5 | 1 | $575,000 | $575,000 |
| 19995.0 | 1 | $615,000 | $615,000 |
| 20040.09 | 1 | $615,000 | $615,000 |
| 20167.2 | 1 | $625,000 | $625,000 |
| 20975.0 | 1 | $975,000 | $975,000 |
| 21060.0 | 1 | $975,000 | $975,000 |
| 21450.0 | 1 | $995,000 | $995,000 |
| 25534.49 | 1 | $755,000 | $755,000 |
| 26495.0 | 1 | $995,000 | $995,000 |
| 28310.0 | 1 | $1,345,000 | $1,345,000 |
| 28555.0 | 1 | $745,000 | $745,000 |
| 3080.0 | 1 | $155,000 | $155,000 |
| 3200.0 | 1 | $155,000 | $155,000 |
| 33130.0 | 1 | $755,000 | $755,000 |
| 4469.48 | 1 | $145,000 | $145,000 |
| 4500.0 | 2 | $210,000 | $105,000 |
| 4939.0 | 1 | $345,000 | $345,000 |
| 5038.5 | 1 | $355,000 | $355,000 |
| 5070.0 | 1 | $175,000 | $175,000 |
| 5100.0 | 1 | $185,000 | $185,000 |
| 5140.0 | 1 | $185,000 | $185,000 |
| 5217.04 | 1 | $185,000 | $185,000 |
| 5275.0 | 1 | $185,000 | $185,000 |
| 5280.0 | 2 | $370,000 | $185,000 |
| 5400.0 | 1 | $205,000 | $205,000 |
| 5540.0 | 1 | $195,000 | $195,000 |
| 5730.0 | 1 | $215,000 | $215,000 |
| 6060.0 | 1 | $225,000 | $225,000 |
| 6320.0 | 1 | $245,000 | $245,000 |
| 6367.8 | 1 | $245,000 | $245,000 |
| 6475.0 | 4 | $940,000 | $235,000 |
| 6590.0 | 1 | $255,000 | $255,000 |
| 6610.0 | 1 | $255,000 | $255,000 |
| 6625.0 | 6 | $1,590,000 | $265,000 |
| 6629.46 | 1 | $255,000 | $255,000 |
| 6690.24 | 1 | $255,000 | $255,000 |
| 6700.0 | 1 | $265,000 | $265,000 |
| 67650.0 | 1 | $1,305,000 | $1,305,000 |
| 6819.44 | 1 | $265,000 | $265,000 |
| 6820.0 | 1 | $265,000 | $265,000 |
| 6857.05 | 1 | $265,000 | $265,000 |
| 7035.0 | 1 | $245,000 | $245,000 |
| 7090.0 | 1 | $275,000 | $275,000 |
| 7105.0 | 1 | $285,000 | $285,000 |
| 7120.0 | 1 | $285,000 | $285,000 |
| 7271.95 | 1 | $175,000 | $175,000 |
| 7310.0 | 1 | $295,000 | $295,000 |
| 7341.0 | 1 | $295,000 | $295,000 |
| 7740.0 | 1 | $315,000 | $315,000 |
| 7770.0 | 1 | $315,000 | $315,000 |
| 7815.0 | 1 | $215,000 | $215,000 |
| 7852.0 | 1 | $315,000 | $315,000 |
| 7860.0 | 1 | $165,000 | $165,000 |
| 7938.0 | 1 | $325,000 | $325,000 |
| 7940.0 | 1 | $325,000 | $325,000 |
| 7980.0 | 1 | $325,000 | $325,000 |
| 8104.5 | 1 | $265,000 | $265,000 |
| 8132.0 | 1 | $335,000 | $335,000 |
| 8150.0 | 1 | $335,000 | $335,000 |
| 8472.0 | 1 | $345,000 | $345,000 |
| 8482.5 | 1 | $345,000 | $345,000 |
| 8500.0 | 1 | $355,000 | $355,000 |
| 8504.54 | 1 | $355,000 | $355,000 |
| 8610.0 | 1 | $355,000 | $355,000 |
| 8720.0 | 1 | $365,000 | $365,000 |
| 8762.98 | 1 | $365,000 | $365,000 |
| 8780.0 | 1 | $365,000 | $365,000 |
| 87954.3 | 1 | $2,455,000 | $2,455,000 |
| 8810.0 | 1 | $365,000 | $365,000 |
| 8815.0 | 1 | $365,000 | $365,000 |
| 88900.0 | 1 | $1,735,000 | $1,735,000 |
| 8925.0 | 1 | $245,000 | $245,000 |
| 9076.0 | 1 | $375,000 | $375,000 |
| 9099.2 | 1 | $375,000 | $375,000 |
| 9118.04 | 1 | $195,000 | $195,000 |
| 9180.75 | 1 | $275,000 | $275,000 |
| 9190.0 | 2 | $770,000 | $385,000 |
| 9210.0 | 1 | $255,000 | $255,000 |
| 9382.0 | 1 | $395,000 | $395,000 |
| 9410.0 | 1 | $395,000 | $395,000 |
| 9480.0 | 1 | $395,000 | $395,000 |
| 9540.0 | 1 | $265,000 | $265,000 |
| 9559.01 | 1 | $375,000 | $375,000 |
| 9668.0 | 1 | $405,000 | $405,000 |
| 9687.05 | 1 | $255,000 | $255,000 |
| 9725.0 | 1 | $415,000 | $415,000 |
| 9767.25 | 1 | $265,000 | $265,000 |
| 9800.0 | 1 | $415,000 | $415,000 |
| 9802.0 | 1 | $415,000 | $415,000 |
| 9819.0 | 1 | $415,000 | $415,000 |
| 9840.0 | 1 | $335,000 | $335,000 |
| NA | 14 | $3,000,000 | $214,286 |