Pacific Nw Federal Credit Union Mortgage Rates, Fees & Info
Portland, ORLEI: 254900HD4RROQDXNWI45
Tax ID: 93-0395917
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Mortgage Data
Review & Overview
Pacific Nw Federal Credit Union is a smaller credit union specializing in Home Purchase loans. Pacific Nw Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Hood River, The Dalles, Bend, and Longview among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Pacific Nw Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.53% | 11/22/24 |
| 30 Year Conventional Refi | 6.43% | 11/22/24 |
| 30 Year Cash-out Refi | 6.40% | 11/22/24 |
| 30 Year FHA Purchase | 6.27% | 11/22/24 |
| 15 Year Conventional Purchase | 5.89% | 11/22/24 |
| 15 Year Conventional Refi | 5.80% | 11/22/24 |
| 15 Year Cash-out Refi | 5.80% | 11/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Pacific Nw Federal Credit Union Mortgage Calculator
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This is not an official calculator from Pacific Nw Federal Credit Union. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
130Origination Dollar Volume (All Markets)
$18,640,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 79 | $10,455,000 | $132,342 | $0 | 0.00% |
| Hood River, OR (FHA|USDA|VA) | 26 | $4,390,000 | $168,846 | $0 | 0.00% |
| The Dalles, OR (FHA|USDA|VA) | 8 | $1,560,000 | $195,000 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $1,090,000 | $136,250 | $0 | 0.00% |
| BEND, OR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 0.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 0.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 0.00% |
| Astoria, OR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
| SALEM, OR (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Pacific NW Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 130 | $18,640,000 | $143,385 | $0 | 0.00% |
For 2018, Pacific Nw Federal Credit Union's most frequently originated type of loan was Conventional, with 130 originations.
Loan Reason
For 2018, Pacific Nw Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 50 originations. The 2nd most popular reason was Home Purchase, with 37 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 130 | $18,640,000 | $143,385 | $0 | 0.00% |
For 2018, Pacific Nw Federal Credit Union's most frequently cited loan duration was Other, with 130 originations.
Loan Sizing
2018 saw Pacific Nw Federal Credit Union place emphasis on $100,000 or less loans with 69 originations, totaling $3,255,000 in origination value.
Applicant Income
Pacific Nw Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 35 originations. The second most popular income band? $50k-75k, with 34 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 130 | $18,640,000 | $143,385 | $0 | 0.00% |
Pacific Nw Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 130 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.84%
Pacific Nw Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination70.00%
Pacific Nw Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 130 | $18,640,000 | $143,385 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 13 | $1,845,000 | $141,923 |
| Single Family (1-4 Units):Site-Built | 117 | $16,795,000 | $143,547 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Pacific Union Financial, LLC | VA mortgage | Trouble during payment process | 15 | 21.1% |
| Pacific Union Financial, LLC | VA mortgage | Closing on a mortgage | 2 | 2.8% |
| Pacific Union Financial, LLC | VA mortgage | Struggling to pay mortgage | 1 | 1.4% |
| Pacific Union Financial, LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 2.8% |
| Pacific Union Financial, LLC | Conventional home mortgage | Closing on a mortgage | 1 | 1.4% |
| Pacific Union Financial, LLC | Conventional home mortgage | Struggling to pay mortgage | 10 | 14.1% |
| Pacific Union Financial, LLC | Conventional home mortgage | Trouble during payment process | 7 | 9.9% |
| Pacific Union Financial, LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 4.2% |
| Pacific Union Financial, LLC | FHA mortgage | Closing on a mortgage | 3 | 4.2% |
| Pacific Union Financial, LLC | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 1.4% |
| Pacific Union Financial, LLC | FHA mortgage | Struggling to pay mortgage | 12 | 16.9% |
| Pacific Union Financial, LLC | FHA mortgage | Trouble during payment process | 11 | 15.5% |
| Pacific Union Financial, LLC | Other type of mortgage | Struggling to pay mortgage | 1 | 1.4% |
| Pacific Union Financial, LLC | Other type of mortgage | Trouble during payment process | 1 | 1.4% |
| Pacific Union Financial, LLC | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 1.4% |