Pacific Union Financial, Llc
Dallas, TX · What the federal mortgage record shows about how Pacific Union Financial, Llc treated New Jersey applicants, 2018–2025 — 800 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 800 New Jersey applications Pacific Union Financial, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Pacific Union Financial, Llc’s rates ran +0.57 pp higher than the typical New Jersey lender (average rate spread +1.28 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Pacific Union Financial, Llc approves
Why Pacific Union Financial, Llc denied applications
Where Pacific Union Financial, Llc lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Middlesex County | 85 | 63.5% |
| Burlington County | 74 | 73.0% |
| Essex County | 71 | 53.5% |
| Camden County | 61 | 70.5% |
| Union County | 60 | 68.3% |
| Ocean County | 59 | 57.6% |
| Passaic County | 51 | 54.9% |
| Gloucester County | 44 | 70.5% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Pacific Union Financial, Llc’s home-purchase originations — 1.39 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,065. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Pacific Union Financial, Llc to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Pacific Union Financial, Llc (LEI 549300410TULSMMGDX92). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →