SoCal Pacific

What SoCal Pacific does

SoCal Pacific Mortgage, Inc., doing business as SoCal Pacific Real Estate Services, is a private California-based residential mortgage brokerage founded in 2008. The company operates from a single office in Tustin, California, with 1-10 employees, and originates purchase and refinance mortgages — Fixed-Rate Conventional, Adjustable-Rate (3/1, 5/1, 7/1), FHA, and VA loans — by matching borrowers with multiple third-party lenders rather than funding loans on its own balance sheet. Its customer base is overwhelmingly residential: primary residence buyers (primary segment), investment property buyers, FHA-eligible first-time and moderate-credit borrowers, and VA-eligible military borrowers, all described as SMB/individual consumers.

The company's technology footprint is a conventional web platform: a website with rate-quote forms, a short application for pre-approval, a full Uniform Residential Loan Application (1003) portal with secure login, a suite of five interactive mortgage calculators, an SMS-based customer communication system, and 256-bit SSL encryption for data transmission. There is no indication of proprietary AI, automated underwriting, or differentiated technology IP; the platform is functional and security-aware but not technically distinctive.

Revenue is generated on a transaction-fee basis from mortgage origination, with rate quotes and closing cost analysis priced per borrower profile rather than through a published schedule. Go-to-market is sales-led and inside-sales: toll-free phone outreach (800-600-4029), in-person consultations at the Tustin office, online application self-service, and top-of-funnel content marketing via the website, mortgage calculators, and social media. The company positions itself against large retail bank originators by emphasizing multi-lender comparison shopping and consultant-led service, but operates with no disclosed funding, no M&A activity, no leadership bios, and no public financial reporting.

Name

SoCal Pacific

Legal name

SoCal Pacific Mortgage, Inc.

Website

https://socalpacificmortgage.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

SoCal Pacific is a private, California-based residential mortgage brokerage that matches individual borrowers with multiple third-party lenders for purchase, refinance, FHA, VA, and ARM loans, generating transaction-fee revenue on a 1-10 employee scale.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industries

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Residential mortgage brokerage
• Home purchase loans
• Mortgage refinancing
• FHA and VA loans
• California mortgage services

Headquarters

HQ city

Chino Hills

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgages through multiple lender partnerships. The company acts as a broker matching borrowers with appropriate lenders and loan products.
2. Rate Quote and Closing Cost Services: Providing rate quotes and closing cost analysis as part of the mortgage application process, supporting the transaction-based revenue model.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

SoCal Pacific is a residential mortgage brokerage that matches individual borrowers with multiple wholesale lenders to arrange purchase and refinance home loans. Its core offering includes fixed-rate conventional loans, adjustable-rate mortgages, FHA loans, and VA loans, supported by rate-quote, application processing, and closing services. Revenue is generated through transaction-based origination fees.

Product overview

SoCal Pacific Real Estate Services is a mortgage brokerage offering a comprehensive suite of residential lending products. The company connects borrowers with multiple lenders to provide competitive mortgage options including Fixed Rate Conventional Loans (10-30 year terms), Adjustable Rate Mortgages (3/1, 5/1, 7/1 ARM configurations), FHA Loans (3.5% down), and VA Loans (0% down for veterans). The core product line is complemented by a suite of mortgage calculators (Monthly Payment, Bi-Weekly, Affordability, Amortization, and Refinance) to help borrowers plan their financing. Loan application processes include a Short Application for quick rate quotes and a full 1003 Application for complete loan processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Conventional Loans Conventional purchase and refinance mortgages with fixed interest rates available in 10, 15, 20, 25, and 30-year terms. Requires a minimum 5% down payment and a minimum credit score of 620. Targeted at California homebuyers and refinancers seeking predictable monthly payments.
• Adjustable Rate Mortgages (ARM) Variable-rate mortgages with initial fixed-rate periods in 3/1, 5/1, or 7/1 configurations before annual adjustments tied to financial indexes. Suited to borrowers expecting to move or refinance before the adjustable period begins.
• FHA Loans Federal Housing Administration insured mortgages requiring only a 3.5% down payment and a minimum credit score of 620. Designed for first-time and moderate-credit homebuyers who need lower down payment and easier qualification than conventional financing.
• VA Loans Veterans Affairs guaranteed mortgages offering up to 100% financing, competitive rates, no private mortgage insurance, and flexible debt-to-income ratios for qualified veterans, active-duty service members, and eligible surviving spouses.
• Purchase Mortgage Brokerage Service End-to-end mortgage brokerage service for homebuyers purchasing residential properties, including rate shopping across multiple lenders, application processing, and closing support. Available for primary residences, vacation homes, and investment properties.
• Refinance Mortgage Brokerage Service Mortgage refinancing brokerage service for homeowners seeking to replace an existing loan with a new one at a potentially lower rate or different term, with lender comparison shopping and closing coordination.

Quantifiable outcome

• Competitive interest rates through multi-lender comparison shopping
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Multiple Unnamed LenderscoreStrategic or Co-development PartnerSoCal Pacific works with multiple lending partners to provide clients with competitive pricing and diverse loan options. This multi-lender network differentiates them from single-bank institutions by allowing comparison shopping in one place.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Socal_Pacific
• Facebookfacebook.com/SocalPacific
• LinkedInlinkedin.com/company/socal-pacific-real-estate-services

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SoCal Pacific