At Allied Pacific Financial, we are a small yet highly experienced team of loan officers and processors and our first priority is client satisfaction. As a mortgage broker we will find the right mortgage for you as we work with multiple lenders to get the best rate for you and your family. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.

From the first conversation to the final closing of the loan, we will be readily available to make your loan process as easy and  painless as possible. Due to the high level of customer service that we provide, we are proud to say that we have in excess of 95% client loyalty with almost 100% of our business being produced by repeat clients and their referrals of friends, family and co-workers. When you work with us you are a part of the family. We do not advise you to do anything that we would not do for ourselves or our family.

If you are searching for a home loan lender in California who offers low cost home loans and some of the most competitive rates/terms in the country, then we’re sure we would be the perfect fit.

Call us today to learn about low cost home loans and to get the process started!

Meet Stephanie Spaulding


Stephanie was born in Washington state.  Her childhood and high school years were spent in the Pacific Northwest. After being accepted to San Diego State University, she decided to give the temperate southwest a try. Stephanie graduated as an SDSU Aztec with a bachelors degree in Economics. After completing her MBA, she decided to stay in San Diego and pursue a career in Finance. Stephanie founded Allied Pacific Financial in 1999 and never looked back. She is focused on treating every client like family, hence why clients have sent their kids, grandkids, neighbors and co-workers. Stephanie is one of the top Mortgage Brokers in the nation as she is fully dedicated to her clients and their financial needs for the long term.

Contact Stephanie to start your discuss your home loan, competitive interest rates and terms today!


Award Winning

UWM 2018, 2019, 2020, 2021, 2022 Top 1% in California

UWM 2020, 2021, 2022 Top 1% Certified Partner

Top Women Originators 2022 by Scotsman Guide

Quicken Loans 2020 Pinnacle Club Member

AIME 2019 Top 100 Expert Award



Stephanie and her team are the best! My husband and I have worked with Stephanie for over 25 years for both refinance and new mortgage needs. She is extremely knowledgeable and responsive, and always exceeds our expectations. I refer friends and family to her whenever I get the chance as well….and they’ve always been impressed too! You’re in great hands with Allied Pacific Financial – no one beats Stephanie and her team.” – Juliana M.