Pacific Lending LLC Mortgage Lending & HMDA Data, 2022
In 2022, Pacific Lending LLC of Ontario, CA reported 1,005 mortgage applications totaling $402.3 million, down 49% from 2021. The average application was for $400,293, and applicants reported an average income of $126,809. 72% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (244), Visalia-Porterville, CA (169) and Los Angeles-Long Beach-Glendale, CA (123) (applications in parentheses).
| Mortgage Company & Address | Pacific Lending LLC 4141 Inland Empire Blvd Ste 160 Ontario, CA 91764 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 1,005 |
| Total Mortgage Loan Application Amount | $402,295,000 |
| Average Mortgage Loan Application Amount | $400,293 |
| Highest Mortgage Loan Application Amount | $3,155,000 |
| Average Applicant Income | $126,809 |
| Highest Applicant Income | $1,497,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pacific Lending LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside, California | 175 | $ 70,565,000 | $ 403,228 | $ 115,000 |
| Tulare, California | 169 | $ 48,295,000 | $ 285,769 | $ 91,000 |
| Los Angeles, California | 123 | $ 59,275,000 | $ 481,910 | $ 140,000 |
| San Diego, California | 73 | $ 49,325,000 | $ 675,684 | $ 199,000 |
| San Bernardino, California | 69 | $ 27,585,000 | $ 399,782 | $ 121,000 |
| Maricopa, Arizona | 60 | $ 22,150,000 | $ 369,166 | $ 117,000 |
| Kern, California | 40 | $ 10,320,000 | $ 258,000 | $ 91,000 |
| Fresno, California | 27 | $ 10,415,000 | $ 385,740 | $ 138,000 |
| Clark, Nevada | 26 | $ 9,110,000 | $ 350,384 | $ 140,000 |
| Honolulu, Hawaii | 24 | $ 13,310,000 | $ 554,583 | $ 137,000 |
| Orange, California | 19 | $ 9,515,000 | $ 500,789 | $ 159,000 |
| Kings, California | 17 | $ 4,485,000 | $ 263,823 | $ 89,000 |
| Sacramento, California | 15 | $ 5,585,000 | $ 372,333 | $ 262,000 |
| Brevard, Florida | 9 | $ 2,865,000 | $ 318,333 | $ 150,000 |
| Indian River, Florida | 9 | $ 2,385,000 | $ 265,000 | $ 58,000 |
| Ventura, California | 8 | $ 4,120,000 | $ 515,000 | $ 146,000 |
| Santa Clara, California | 6 | $ 3,980,000 | $ 663,333 | $ 185,000 |
| San Luis Obispo, California | 5 | $ 3,255,000 | $ 651,000 | $ 218,000 |
| Travis, Texas | 5 | $ 2,165,000 | $ 433,000 | $ 103,000 |
| Yavapai, Arizona | 4 | $ 2,120,000 | $ 530,000 | $ 161,000 |
| Yuma, Arizona | 4 | $ 710,000 | $ 177,500 | $ 84,000 |
| Madera, California | 4 | $ 1,430,000 | $ 357,500 | $ 93,000 |
| Harris, Texas | 4 | $ 1,070,000 | $ 267,500 | $ 66,000 |
| Tarrant, Texas | 4 | $ 1,170,000 | $ 292,500 | $ 93,000 |
| Benton, Washington | 4 | $ 1,220,000 | $ 305,000 | $ 213,000 |
| Mohave, Arizona | 3 | $ 895,000 | $ 298,333 | $ 401,000 |
| San Joaquin, California | 3 | $ 1,545,000 | $ 515,000 | $ 164,000 |
| Solano, California | 3 | $ 1,425,000 | $ 475,000 | $ 99,000 |
| Sonoma, California | 3 | $ 1,175,000 | $ 391,666 | $ 125,000 |
| Lake, Florida | 3 | $ 365,000 | $ 121,666 | $ 99,000 |
| St. Lucie, Florida | 3 | $ 455,000 | $ 151,666 | $ 47,000 |
| La Paz, Arizona | 2 | $ 550,000 | $ 275,000 | $ 56,000 |
| Pinal, Arizona | 2 | $ 740,000 | $ 370,000 | $ 114,000 |
| Calaveras, California | 2 | $ 790,000 | $ 395,000 | $ 127,000 |
| Contra Costa, California | 2 | $ 890,000 | $ 445,000 | $ 179,000 |
| Mariposa, California | 2 | $ 640,000 | $ 320,000 | $ 83,000 |
| Broward, Florida | 2 | $ 580,000 | $ 290,000 | $ 106,000 |
| Okaloosa, Florida | 2 | $ 1,630,000 | $ 815,000 | $ 290,000 |
| Okeechobee, Florida | 2 | $ 400,000 | $ 200,000 | $ 82,000 |
| Santa Rosa, Florida | 2 | $ 710,000 | $ 355,000 | $ 97,000 |
| Walton, Florida | 2 | $ 1,550,000 | $ 775,000 | $ 208,000 |
| Hawaii, Hawaii | 2 | $ 800,000 | $ 400,000 | $ 109,000 |
| Marion, Oregon | 2 | $ 710,000 | $ 355,000 | $ 69,000 |
| Washington, Oregon | 2 | $ 770,000 | $ 385,000 | $ 72,000 |
| Bastrop, Texas | 2 | $ 580,000 | $ 290,000 | $ 135,000 |
| Collin, Texas | 2 | $ 1,520,000 | $ 760,000 | $ 1,018,000 |
| Eastland, Texas | 2 | $ 360,000 | $ 180,000 | $ 30,000 |
| Fort Bend, Texas | 2 | $ 650,000 | $ 325,000 | $ 106,000 |
| Freestone, Texas | 2 | $ 220,000 | $ 110,000 | $ 86,000 |
| Harrison, Texas | 2 | $ 860,000 | $ 430,000 | $ 104,000 |
| Van Zandt, Texas | 2 | $ 260,000 | $ 130,000 | $ 67,000 |
| Pierce, Washington | 2 | $ 1,140,000 | $ 570,000 | $ 110,000 |
| Anchorage, Alaska | 1 | $ 415,000 | $ 415,000 | $ 111,000 |
| Colusa, California | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Imperial, California | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| Merced, California | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Santa Barbara, California | 1 | $ 435,000 | $ 435,000 | $ 138,000 |
| Santa Cruz, California | 1 | $ 485,000 | $ 485,000 | $ 207,000 |
| Stanislaus, California | 1 | $ 645,000 | $ 645,000 | $ 133,000 |
| Yuba, California | 1 | $ 315,000 | $ 315,000 | $ 63,000 |
| Adams, Colorado | 1 | $ 365,000 | $ 365,000 | $ 73,000 |
| Arapahoe, Colorado | 1 | $ 375,000 | $ 375,000 | $ 107,000 |
| Morgan, Colorado | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Duval, Florida | 1 | $ 705,000 | $ 705,000 | $ 232,000 |
| Lee, Florida | 1 | $ 485,000 | $ 485,000 | $ 89,000 |
| Palm Beach, Florida | 1 | $ 365,000 | $ 365,000 | $ 148,000 |
| Pasco, Florida | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Polk, Florida | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Sarasota, Florida | 1 | $ 115,000 | $ 115,000 | $ 23,000 |
| Kauai, Hawaii | 1 | $ 185,000 | $ 185,000 | $ 240,000 |
| Douglas, Nevada | 1 | $ 245,000 | $ 245,000 | $ 31,000 |
| Clackamas, Oregon | 1 | $ 425,000 | $ 425,000 | $ 117,000 |
| Klamath, Oregon | 1 | $ 355,000 | $ 355,000 | $ 114,000 |
| Linn, Oregon | 1 | $ 325,000 | $ 325,000 | $ 96,000 |
| Archer, Texas | 1 | $ 455,000 | $ 455,000 | $ 120,000 |
| Bexar, Texas | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Chambers, Texas | 1 | $ 375,000 | $ 375,000 | $ 108,000 |
| Denton, Texas | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| El Paso, Texas | 1 | $ 355,000 | $ 355,000 | $ 74,000 |
| Galveston, Texas | 1 | $ 385,000 | $ 385,000 | $ 103,000 |
| Guadalupe, Texas | 1 | $ 365,000 | $ 365,000 | $ 103,000 |
| Hardin, Texas | 1 | $ 255,000 | $ 255,000 | $ 197,000 |
| Jefferson, Texas | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| McLennan, Texas | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Nueces, Texas | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| Rockwall, Texas | 1 | $ 295,000 | $ 295,000 | $ 112,000 |
| Smith, Texas | 1 | $ 275,000 | $ 275,000 | $ 57,000 |
| Uvalde, Texas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Williamson, Texas | 1 | $ 435,000 | $ 435,000 | $ 128,000 |
| Jefferson, Washington | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| King, Washington | 1 | $ 345,000 | $ 345,000 | $ 64,000 |
| Skagit, Washington | 1 | $ 415,000 | $ 415,000 | $ 120,000 |
| Snohomish, Washington | 1 | $ 175,000 | $ 175,000 | $ 199,000 |
| Stevens, Washington | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Pacific Lending LLC in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 624 | $260,930,000 | $418,000 | $3,155,000 | $128,000 | $1,497,000 |
| Cash-out Refinancing | 198 | $74,610,000 | $376,000 | $1,045,000 | $117,000 | $635,000 |
| Refinancing | 182 | $65,780,000 | $361,000 | $1,255,000 | $132,000 | $1,457,000 |
| Home Improvement | 1 | $975,000 | $975,000 | $975,000 | $382,000 | $382,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 485 | $172,435,000 | $355,000 | $1,155,000 | $105,000 | $728,000 |
| White | 405 | $177,985,000 | $439,000 | $3,155,000 | $148,000 | $1,123,000 |
| Asian | 53 | $26,895,000 | $507,000 | $1,145,000 | $158,000 | $1,497,000 |
| Black or African American | 37 | $13,805,000 | $373,000 | $635,000 | $118,000 | $293,000 |
| Not Provided | 14 | $5,660,000 | $404,000 | $1,255,000 | $192,000 | $1,457,000 |
| American Indian or Alaskan Native | 6 | $2,820,000 | $470,000 | $815,000 | $160,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,695,000 | $539,000 | $965,000 | $137,000 | $163,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 638 | $259,080,000 | $406,000 | $3,155,000 | $142,000 | $1,497,000 |
| FHA-insured (Federal Housing Administration) | 297 | $108,795,000 | $366,000 | $1,055,000 | $98,000 | $273,000 |
| VA-guaranteed (Veterans Administration) | 70 | $34,420,000 | $491,000 | $1,055,000 | $114,000 | $370,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 719 | $286,865,000 | $398,000 | $3,155,000 | $123,000 | $1,497,000 |
| Application Withdrawn By Applicant | 279 | $112,495,000 | $403,000 | $2,005,000 | $137,000 | $1,457,000 |
| Application Denied By Financial Institution | 6 | $2,570,000 | $428,000 | $785,000 | $109,000 | $173,000 |
| Application Approved But Not Accepted | 1 | $365,000 | $365,000 | $365,000 | $83,000 | $83,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 999 | $399,725,000 | $400,000 | $3,155,000 | $127,000 | $1,497,000 |
| Debt-To-Income Ratio | 4 | $1,620,000 | $405,000 | $785,000 | $99,000 | $173,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $405,000 | $405,000 | $405,000 | $163,000 | $163,000 |
| Credit History | 1 | $545,000 | $545,000 | $545,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pacific Lending LLC's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Pacific Lending LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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