PACIFIC EQUITY AND LOAN LLC
PACIFIC EQUITY AND LOAN LLC received 276 applications in 2025 and made 157 mortgages, in 0 counties across 4 states. The median rate its borrowers got was 12.000% on a median loan of $405,000. Of 276 decisions, 37 were denials — 13.4%, most often for collateral. 276 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 98450064457HF042AA24 |
|---|---|
| Applications received | 276 |
| Mortgages made | 157 |
| Denied | 37 |
| Approved, not taken up | 82 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 120 | 12.000% | $395,000 | 10.9% |
| Refinancing | 37 | 12.400% | $425,000 | 20.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.