Sierra Pacific Mortgage Company, Inc. mortgage approval rate & lending review
Sierra Pacific Mortgage Company, Inc. decided 22,020 mortgage applications and funded 18,795 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sierra Pacific Mortgage Company, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to uhm.com.
Sierra Pacific Mortgage Company, Inc. at a glance
Approval is 1.4 points above the 84.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 14,732 / 16,897 | 99% | $365K | 14,655 |
| Home improvement loans | 83% | 384 / 464 | 86% | $205K | 332 |
| Cash-out refinance | 81% | 1,021 / 1,264 | 98% | $275K | 999 |
| Refinance | 85% | 824 / 968 | 98% | $385K | 804 |
| Investment property purchase | 87% | 1,441 / 1,655 | 99% | $275K | 1,432 |
| Investment cash-out refinance | 78% | 338 / 432 | 97% | $255K | 327 |
| Investment refinance | 75% | 172 / 228 | 96% | $285K | 165 |
| Investment home improvement | 81% | 91 / 112 | 89% | $185K | 81 |
Sierra Pacific Mortgage Company, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 87% | $415K | 7,885 | 6,720 |
| Florida | 78% | $345K | 2,301 | 1,783 |
| Texas | 91% | $325K | 1,262 | 1,132 |
| Kansas | 89% | $205K | 1,021 | 908 |
| Oregon | 89% | $375K | 924 | 814 |
| Arizona | 88% | $365K | 775 | 674 |
| Maryland | 85% | $385K | 671 | 566 |
| Massachusetts | 86% | $475K | 614 | 521 |
| Utah | 82% | $435K | 584 | 472 |
| Washington | 92% | $365K | 522 | 479 |
| Tennessee | 84% | $265K | 495 | 413 |
| Virginia | 85% | $395K | 479 | 406 |
| Nevada | 88% | $355K | 470 | 409 |
| Colorado | 94% | $465K | 377 | 348 |
| South Carolina | 90% | $245K | 353 | 317 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Sierra Pacific Mortgage Company, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kern County, CA | Mortgage lenders | 89% | 948 | 838 |
| Sedgwick County, KS | Mortgage lenders | 90% | 803 | 719 |
| Sacramento County, CA | Mortgage lenders | 87% | 684 | 595 |
| Los Angeles County, CA | Mortgage lenders | 87% | 602 | 523 |
| Fresno County, CA | Mortgage lenders | 91% | 412 | 368 |
| San Diego County, CA | Mortgage lenders | 82% | 402 | 326 |
| Riverside County, CA | Mortgage lenders | 84% | 370 | 311 |
| Miami-Dade County, FL | Mortgage lenders | 79% | 331 | 258 |
| San Joaquin County, CA | Mortgage lenders | 87% | 284 | 243 |
| Madera County, CA | Mortgage lenders | 87% | 250 | 216 |
| San Bernardino County, CA | Mortgage lenders | 87% | 248 | 214 |
| Multnomah County, OR | Mortgage lenders | 92% | 213 | 195 |
The county markets where Sierra Pacific Mortgage Company, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Sierra Pacific Mortgage Company, Inc.
What is Sierra Pacific Mortgage Company, Inc.'s mortgage approval rate?
Sierra Pacific Mortgage Company, Inc. approved 86.3% of the 22,020 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.4 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Sierra Pacific Mortgage Company, Inc. offers?
Borrowers accepted 99% of the loans Sierra Pacific Mortgage Company, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Sierra Pacific Mortgage Company, Inc. make?
The typical home purchase mortgage loan Sierra Pacific Mortgage Company, Inc. made was $365K; across all loan types its typical loan ran from $185K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sierra Pacific Mortgage Company, Inc. lend?
Sierra Pacific Mortgage Company, Inc. decided applications in 48 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Sierra Pacific Mortgage Company, Inc. directly?
Yes. Sierra Pacific Mortgage Company, Inc. reports as a direct lender that takes applications from borrowers. Its website is uhm.com.
Does this page show Sierra Pacific Mortgage Company, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Sierra Pacific Mortgage Company, Inc. treats applications, then get a rate quote from the lender.