Oregon Pacific Banking Company Mortgage Rates, Fees & Info

Florence, OR

LEI: 254900N67KAPUJSOLE12

Tax ID: 93-0742995

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Oregon Pacific Banking Company is a smaller bank specializing in Home Purchase loans. Oregon Pacific Banking Company has a high proportion of conventional loans. Their top markets by origination volume include: Medford, Roseburg, Eugene, Coos Bay, and Klamath Falls among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Oregon Pacific Banking Company 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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    Originations

    23

    Origination Dollar Volume (All Markets)

    $14,145,000

    Top 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
    MEDFORD, OR (FHA|USDA|VA) 1 $5,985,000 $5,985,000 $0 0.00%
    Roseburg, OR (FHA|USDA|VA) 6 $3,560,000 $593,333 $0 0.00%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 12 $3,290,000 $274,167 $0 0.00%
    Coos Bay, OR (FHA|USDA|VA) 2 $1,020,000 $510,000 $0 0.00%
    Klamath Falls, OR (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
    Crescent City, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Oregon Pacific Banking Company's top markets include Medford, Roseburg, Eugene, Coos Bay, and Klamath Falls among others.

    Their top states include:
  • Oregon (FHA|USDA|VA)
  • California (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 23 $14,145,000 $615,000 $0 0.00%

    For 2024, Oregon Pacific Banking Company's most frequently originated type of loan was Conventional, with 23 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 16 $13,320,000 $832,500 $0 0.00%
    Refi 5 $745,000 $149,000 $0 0.00%
    Home Improvement 1 $35,000 $35,000 $0 0.00%
    Cash Out Refi 1 $45,000 $45,000 $0 0.00%

    For 2024, Oregon Pacific Banking Company's most frequently cited loan purpose was Home Purchase, with 16 originations. The 2nd most popular reason was Refi, with 5 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 23 $14,145,000 $615,000 $0 0.00%

    For 2024, Oregon Pacific Banking Company's most frequently cited loan duration was Other, with 23 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 9 $2,375,000 $263,889 $0 0.00%
    $100,000 or less 4 $190,000 $47,500 $0 0.00%
    $400k-600k 4 $1,980,000 $495,000 $0 0.00%
    $100k-200k 2 $340,000 $170,000 $0 0.00%
    $1MM+ 2 $7,750,000 $3,875,000 $0 0.00%
    $600k-1MM 2 $1,510,000 $755,000 $0 0.00%

    2024 saw Oregon Pacific Banking Company place emphasis on $200k-400k loans with 9 originations, totaling $2,375,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6 $1,300,000 $216,667 $0 0.00%
    $150k-250k 4 $1,340,000 $335,000 $0 0.00%
    $250k+ 2 $1,090,000 $545,000 $0 0.00%
    $50k-75k 2 $290,000 $145,000 $0 0.00%
    $50k or less 1 $45,000 $45,000 $0 0.00%
    $75k-100k 1 $505,000 $505,000 $0 0.00%

    Oregon Pacific Banking Company lent most frequently to those with incomes in the $100k-150k range, with 6 originations. The second most popular income band? $150k-250k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 23 $14,145,000 $615,000 $0 0.00%

    Oregon Pacific Banking Company lent most frequently to those with DTI ratios of Exempt%, with 23 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 7 $9,575,000 $1,367,857 $0 0.00%
    White 13 $3,755,000 $288,846 $0 0.00%
    Not provided 3 $815,000 $271,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    83.64%

    Oregon Pacific Banking Company has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    0.00%

    Oregon Pacific Banking Company 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 23 $14,145,000 $615,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    23 $14,145,000 $615,000