PACFI
PACFI Home Loans is a privately held mortgage brokerage operating in Idaho and California, offering purchase and refinance loans via a wholesale lender network and an online application portal, serving first-time homebuyers, real estate investors, and refinancing homeowners.
- Company typePrivate
- Founded2014
- HeadquartersBoise, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What PACFI does
PACFI Home Loans is a privately held mortgage brokerage operating under the legal entity Cubbison Enterprises, Inc., founded circa 2014 and headquartered in Boise, Idaho. The firm is licensed to originate residential mortgage loans in Idaho and California, serving individual homebuyers — including first-time purchasers and seasoned real estate investors — as well as existing homeowners seeking to refinance via cash-out, rate reduction, term shortening, or PMI removal.
The company operates two core products: purchase loans (with down payments as low as 3.5–5% and 10–20 day close timelines) and refinance loans (flexible 8–30 year terms), delivered through an online loan application portal at my1003app.com that supports document submission and loan status tracking. Underlying technology consists of a standard loan origination and processing platform with document and asset retrieval capabilities, integrated to a wholesale lender network that enables competitive rate shopping across multiple institutional funders.
PACFI generates revenue on a transaction-fee basis via origination fees paid by wholesale lenders at loan closing; the firm does not fund loans on its own balance sheet. Go-to-market is direct-to-consumer through the company website, organic social (Facebook, Twitter, Instagram, YouTube), and inside sales via dedicated phone lines in both licensed states, supported by extended hours including evenings and weekends. Customer testimonials indicate a 97%+ recommendation rate and 5/5 Zillow rating, with review activity continuing into 2026, and the firm maintains PCI DSS vulnerability-standard compliance on its web platform.
PACFI firmographics
Firmographics- Name
- PACFI
- Legal name
- Cubbison Enterprises, Inc.
- Website
- https://pacfi.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PACFI Home Loans is a privately held mortgage brokerage operating in Idaho and California, offering purchase and refinance loans via a wholesale lender network and an online application portal, serving first-time homebuyers, real estate investors, and refinancing homeowners.
- Ownership category
- akta.pro rank
PACFI industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Commercial Mortgage Brokerage (FSAEAEAB)
Keywords
Where PACFI is headquartered
LocationHeadquarters
- HQ city
- Boise
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PACFI business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Brokerage Fees: PACFI earns revenue through origination fees and compensation from wholesale lenders when mortgage loans close. As a mortgage broker, they partner with multiple lenders to offer competitive rates and earn transaction-based fees on completed loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based mortgage financing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
PACFI product offering
Product offeringCore offering
PACFI Home Loans is a mortgage brokerage that originates residential purchase and refinance loans for individual consumers by shopping multiple wholesale lenders nationwide to find competitive rates and terms. The firm supports its loan products with an online application platform (my1003app) and direct loan officer guidance throughout pre-approval, processing, and closing, with no upfront credit report or appraisal fees and typical closings in 10-20 days.
Product overview
PACFI Home Loans is a mortgage brokerage offering two core products: Purchase Loans for home buying and Refinance Loans for existing homeowners. Both products are facilitated through an online loan application platform (my1003app) that enables document submission and loan tracking. The company partners with wholesale lenders to provide competitive rates and quick closings, operating as an intermediary between borrowers and multiple lending institutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Purchase Loans Home purchase mortgage loans enabling buyers to finance residential property purchases, with options for down payments as low as 3.5-5% and quick closing timelines of 10-20 days. Designed for first-time homebuyers, repeat buyers, and seasoned real estate investors purchasing residential or investment property.
- Refinance Loans Mortgage refinancing solutions allowing homeowners to take cash out, lower payments, or shorten loan terms, with flexible terms ranging from 8 to 30 years. Designed for existing homeowners seeking to refinance for cash access, rate reduction, term shortening, or PMI removal.
- Online Loan Application Digital mortgage application platform (my1003app) enabling borrowers to complete applications, submit documents, and track loan status online 24/7. Designed for individual consumers applying for purchase or refinance mortgages through PACFI Home Loans.
Companies that use PACFI
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
PACFI technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
PACFI partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights3 records
PACFI competitors and assessment
Company assessmentEmerging players
- Better.com: Digital-first mortgage lender with a fully online application flow competing on speed and ease of use — the same value propositions PACFI emphasizes (10-20 day close, online portal). Targets first-time homebuyers and refinance candidates with a self-serve model that overlaps PACFI's my1003app experience.
Broad incumbents
- NewRez (New Residential Mortgage): Large nonbank mortgage originator with retail, wholesale, and correspondent channels providing purchase and refinance products. Comparable in multi-channel distribution and product breadth, though at materially greater scale than PACFI.
- Caliber Home Loans: National mortgage originator with retail and wholesale channels serving purchase and refinance. Comparable to PACFI in serving similar borrower segments (first-time, investor) while offering a wider product set and broader geographic footprint.
- Rocket Mortgage: The largest direct-to-consumer mortgage lender in the U.S., originating purchase and refinance mortgages nationwide through digital channels. Competes with PACFI for the same first-time and refinance borrowers, but operates at vastly greater scale with its own captive funding rather than a broker/wholesale model.
- loanDepot: Large diversified mortgage originator operating retail, wholesale (LDWholesale), and consumer-direct channels. Directly comparable in product mix (purchase, refi, HELOC) and in competing with PACFI for California and Pacific Northwest borrowers, but at substantially greater scale.
- United Wholesale Mortgage (UWM): The nation's largest wholesale mortgage lender, supplying broker channels including PACFI itself. Included as a peer because it simultaneously competes for the same end-borrower (via UWM's direct consumer brand) while enabling PACFI's wholesale rate-shopping model — the upstream/downstream relationship makes UWM both supplier and competitor.
Direct peers
- Compass Mortgage: Mid-sized retail mortgage lender focused on relationship-driven local service — directly comparable to PACFI's small-team, high-touch producer-led model targeting purchase and refinance borrowers in regional U.S. markets.
- Guild Mortgage: Retail mortgage lender focused on first-time homebuyers and underserved segments with strong loan-officer-driven service. Closely comparable to PACFI on target customer (first-time, low down payment) and in delivering human-guided digital hybrid origination experiences.
- Keller Mortgage (Keller Williams affiliate): Mortgage lender affiliated with the Keller Williams real estate network, leveraging realtor partner referrals and personal loan-officer relationships — the same referral-driven, advisor-led go-to-market that PACFI emphasizes through testimonials and word-of-mouth.
- Fairway Independent Mortgage: Mid-sized retail and wholesale mortgage lender with a branch-based model emphasizing personal loan officer service — the same positioning PACFI uses against big banks. Comparable in target customer (first-time buyers, move-up, refinance) and in scale relative to its markets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
PACFI social profiles
Digital presencePACFI compliance and trust
Trust signalCompliance1 record
PACFI financial estimates
Financial estimateRevenue estimate
Valuation estimate
PACFI leadership team
Management profileNumber of profiles
Profiles2 records
PACFI funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PACFI M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PACFI
What does PACFI do?
PACFI Home Loans is a mortgage brokerage that originates residential purchase and refinance loans for individual consumers by shopping multiple wholesale lenders nationwide to find competitive rates and terms. The firm supports its loan products with an online application platform (my1003app) and direct loan officer guidance throughout pre-approval, processing, and closing, with no upfront credit report or appraisal fees and typical closings in 10-20 days.
Is PACFI a public or private company?
PACFI is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PACFI founded?
PACFI was founded in 2014. It employs 1 to 10 people.
Where is PACFI based?
PACFI is headquartered in Boise, United States, in the North America region.
How does PACFI make money?
One revenue line is on record: mortgage Brokerage Fees.
Who are PACFI's main competitors?
Better.com is listed as an emerging player. Broad incumbents are NewRez (New Residential Mortgage), Caliber Home Loans, Rocket Mortgage, loanDepot and United Wholesale Mortgage (UWM). Direct peers are Compass Mortgage, Guild Mortgage, Keller Mortgage (Keller Williams affiliate) and Fairway Independent Mortgage.
Does PACFI have an API?
No public API is recorded for PACFI.
What industry is PACFI in?
PACFI's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6163.