Sierra Pacific Mortgage Company, Inc.: 2025 mortgage rates, costs & approvals
How Sierra Pacific Mortgage Company, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Sierra Pacific Mortgage Company, Inc. · LEI 254900TTZ395IC926125
In 2025, Sierra Pacific Mortgage Company, Inc. originated 6,183 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 100th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 5 basis points above the national median. Median conventional loan costs were $7,580, 36% higher than the national median ($5,570).
It denied 7.5% of completed home-purchase applications (all lenders: 8.5%).
How Sierra Pacific Mortgage Company, Inc. priced home-purchase loans
| Purchase loans, 2025 | Sierra Pacific Mortgage Company, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.19 pts | +0.13 pts |
| Total loan costs · conventional | $7,580 | $5,570 |
| Total loan costs · FHA | $14,670 | $11,310 |
| Total loan costs · VA | $7,550 | $6,490 |
| Origination charges (all types) | $4,250 | $1,860 |
| Borrowers paying discount points | 55.5% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 35.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Sierra Pacific Mortgage Company, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Sierra Pacific Mortgage Company, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 1,940 | 2,153 | 7.2% | 6.625% | $10,660 |
| Texas | 507 | 552 | 4.4% | 6.625% | $9,160 |
| Oregon | 365 | 379 | 3.1% | 6.625% | $6,290 |
| Kansas | 338 | 365 | 6.3% | 6.625% | $4,780 |
| Florida | 244 | 298 | 16.4% | 6.875% | $6,600 |
| Colorado | 243 | 253 | 1.9% | 6.625% | $7,670 |
| Arizona | 225 | 247 | 7.5% | 6.875% | $6,390 |
| Tennessee | 206 | 242 | 14.6% | 6.625% | $7,590 |
| Massachusetts | 200 | 218 | 8.3% | 6.625% | $6,610 |
| Utah | 192 | 204 | 2.1% | 6.625% | $7,620 |
| Maryland | 191 | 209 | 7.8% | 6.625% | $5,950 |
| Washington | 177 | 189 | 4.3% | 6.625% | $7,440 |
| Virginia | 171 | 196 | 11.9% | 6.750% | $7,420 |
| Pennsylvania | 133 | 149 | 9.8% | 6.625% | $6,070 |
| Georgia | 99 | 111 | 9.2% | 6.750% | $8,600 |
| Illinois | 92 | 103 | 9.4% | 6.750% | $6,560 |
| Nevada | 88 | 96 | 6.3% | 6.750% | $7,450 |
| New Mexico | 84 | 91 | 6.6% | 6.750% | $4,190 |
| Minnesota | 78 | 87 | 4.2% | 6.625% | $5,820 |
| North Carolina | 63 | 64 | 0.0% | 6.500% | $6,360 |
| Iowa | 55 | 68 | 19.4% | 6.875% | $4,000 |
| New Hampshire | 55 | 56 | 2.3% | 6.625% | $4,660 |
| Missouri | 48 | 55 | 8.5% | 6.750% | $5,220 |
| Rhode Island | 42 | 51 | 17.8% | 6.990% | $4,710 |
| Wisconsin | 38 | 40 | 3.5% | — | $6,220 |
| New Jersey | 37 | 45 | 11.4% | 6.750% | $12,380 |
| Idaho | 34 | 38 | 3.5% | — | $6,250 |
| South Carolina | 31 | 32 | 0.0% | 6.500% | $5,680 |
| Indiana | 30 | 32 | 3.5% | 6.500% | $4,920 |
| New York | 27 | 30 | 11.1% | 6.500% | $14,860 |
| Michigan | 23 | 26 | — | — | — |
| Hawaii | 23 | 25 | 10.0% | — | — |
| Delaware | 22 | 24 | 9.5% | — | — |
| Kentucky | 12 | 13 | — | — | — |
| Ohio | 11 | 15 | — | — | — |
| Oklahoma | 11 | 14 | — | — | — |
| Nebraska | 10 | 11 | — | — | — |
| Alabama | 9 | 10 | — | — | — |
| Connecticut | 8 | 8 | — | — | — |
| Arkansas | 6 | 10 | — | — | — |
| West Virginia | 5 | 8 | — | — | — |
| District of Columbia | 4 | 4 | — | — | — |
| Montana | 3 | 4 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Sierra Pacific Mortgage Company, Inc.'s page for that state.
Counties where Sierra Pacific Mortgage Company, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Graham County, AZ | 3 | 37 | 7.7% |
| Hidalgo County, NM | 3 | 1 | 7.7% |
| Ellis County, OK | 4 | 1 | 7.1% |
| Mariposa County, CA | 2 | 10 | 7.0% |
| Greenlee County, AZ | 5 | 2 | 6.7% |
| Hancock County, TN | 2 | 3 | 6.5% |
| Appanoose County, IA | 4 | 8 | 6.5% |
| Morrow County, OR | 5 | 7 | 5.9% |
| Klamath County, OR | 4 | 46 | 5.8% |
| Wayne County, IA | 5 | 4 | 5.7% |
| Evans County, GA | 5 | 3 | 5.2% |
| Stafford County, KS | 6 | 1 | 4.5% |
| Mason County, TX | 4 | 1 | 4.3% |
| Sierra County, CA | 5 | 1 | 4.2% |
| Wallowa County, OR | 6 | 3 | 4.0% |
Check Sierra Pacific Mortgage Company, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900TTZ395IC926125.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Sierra Pacific Mortgage Company, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology