NMLS# 260264

Pacific Beneficial Mortgage Company

Lender Summary

Pacific Beneficial is a wholesale mortgage brokerage specializing in residential mortgage origination. Our knowledgeable staff will listen to your short and long term goals and help you find the best loan program and pricing option to accomplish your goals. Whether you are purchasing your first home or refinancing your existing home we will guide you through the process. Our mission is to ensure that the most important transaction in your life is as stress free and smooth as possible.

What they're saying

Ratings & Reviews
789 Reviews
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

Showing 1 star reviews | Show all reviews


I am writing this review to share what ended up being an unpleasant experience with Kirk Gay and Pacific Beneficial Mortgage to other potential customers.

I am a first time homebuyer and was originally going to go with a local mortgage broker for my loan, but wanted to shop around for a potential better rate, so I used LendingTree which is how Kirk contacted me. My original lender had offered to pay for my home appraisal in writing, and, wanting to compete, Kirk said he would pay for the appraisal (which he stated in writing) and asked for the letter the other lender had provided so he could get permission to have Pacific Beneficial pay for my appraisal. Kirk confirmed I would not be paying for the appraisal and was very happy with what Kirk was doing to accommodate me as a customer. However, when I closed on the home, the cost of the appraisal was on my Final Buyer’s Statement ($525). As Kirk had said that I would not be paying for the appraisal, I thought I would be reimbursed. I reached out to Kirk via email after close and got no further response than “We paid for appraisal upfront but we get reimbursed.” I then reached out to Kirk two times via email with no response. I then called the office and spoke to Kirk’s boss’ admin who instructed me to reach out to Kirk’s boss, Adam Carrion, which I did. It was only then that I received an email response from Kirk stating that the lender credit I received, which was less than the appraisal, was all I would receive to cover the cost, despite the fact that when I was entering into the loan Kirk told me that Pacific Beneficial would be paying for the appraisal and I would be receiving a lender credit. Kirk asked me to call him, which I did and left a voicemail, and he never called me back. I called Kirk again leaving a voicemail with no response. I then began reaching out to his boss Adam Carrion via email to continue to explain the situation. Only then did I receive an email from Kirk asking me to call him, which I did, left a voicemail, and received no response. I then called Adam and spoke to him on the phone and only then did I receive a call from Kirk, offering me a nominal amount of money. I stated that I wanted to be reimbursed for the entire appraisal amount and he said he would go back to the powers that be to see what he could do. I never heard from him. I reached out to Kirk and Adam via email to check in on status with no response. The next day I reached out again, voicing my displeasure and that I was going to take action via reviews. It was only then that I received an email from Kirk accusing me of extorting him. I want other potential customers to know about what occurred as not only was I misled, but I was treated terribly as a customer once Kirk had been paid his commission. It is extremely disappointing that this brokerage would go to these lengths over $525 after the fact when they promised this a customer.

  • LendingTree Customer:

  • Loan Type:

    Home Purchase
  • Review Type:

    Lender Review

Somebody was annoyed

The intake rep was very nice but the loan officer seemed annoyed by my inquiries for clarification. That's too bad, all other reviews on the website were very positive on customer service. I do hope somebody reviews the phone call. Didn't get past the initial conversation. To be fair, this review system required a rating for Rate, Fees, & Responsiveness, I was required to pick a category and I selected "poor" but I honestly don't have an opinion on the matter, my preference would have been to leave these blank.

  • LendingTree Customer:


Frustrating and disappointing customer service

I applied to three different lenders and the other two came across as organized, responsive and caring. After my application was filed and the rate was locked, they sent me an application to review which had many errors and then it took them over forever to make corrections. I emailed and called to inquire about the status of my loan and it took nearly a week to get a reply. I emailed again later to ask when an appraisal would be ordered, and almost another week went by before I got a reply. Poor communication with customers .Even though I applied with another lender the very same week I applied with Pacific, I was asked to sign docs with that other lender before an appraisal was even ordered by Pacific!! Very frustrating. Cannot recommend them.

  • LendingTree Customer:


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Pacific Beneficial Mortgage Company

Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Pacific Beneficial Mortgage Company

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