Pacific Crest Savings Bank Mortgage Rates, Fees & Info
Lynnwood, WALEI: 549300F0UOE1LUACDY02
Tax ID: 91-1859716
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Pacific Crest Savings Bank is a smaller bank specializing in Refi and Home Purchase loans. Pacific Crest Savings Bank has a high proportion of conventional loans. Their top two markets are Seattle and Bremerton .Pacific Crest Savings Bank 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.
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Originations
34Origination Dollar Volume (All Markets)
$29,520,000Top 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 |
---|---|---|---|---|---|
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 32 | $29,290,000 | $915,313 | $0 | 0.00% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 0.00% |
Their top states include:
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 34 | $29,520,000 | $868,235 | $0 | 0.00% |
For 2018, Pacific Crest Savings Bank's most frequently originated type of loan was Conventional, with 34 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Refi | 19 | $8,075,000 | $425,000 | $0 | 0.00% |
Home Purchase | 15 | $21,445,000 | $1,429,667 | $0 | 0.00% |
For 2018, Pacific Crest Savings Bank's most frequently cited loan purpose was Refi, with 19 originations. The 2nd most popular reason was Home Purchase, with 15 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 34 | $29,520,000 | $868,235 | $0 | 0.00% |
For 2018, Pacific Crest Savings Bank's most frequently cited loan duration was Other, with 34 originations.
Loan Sizing
2018 saw Pacific Crest Savings Bank place emphasis on $1MM+ loans with 13 originations, totaling $21,835,000 in origination value.
Applicant Income
Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
$150k-250k | 2 | $520,000 | $260,000 | $0 | 0.00% |
Pacific Crest Savings Bank lent most frequently to those with incomes in the $150k-250k range, with 2 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 34 | $29,520,000 | $868,235 | $0 | 0.00% |
Pacific Crest Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 34 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.33%
Pacific Crest Savings Bank has a below average approval rate.
Pick Rate
Approvals leading to origination73.53%
Pacific Crest Savings Bank has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 34 | $29,520,000 | $868,235 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Multifamily:Site-Built | 19 | $21,585,000 | $1,136,053 |
Single Family (1-4 Units):Site-Built | 15 | $7,935,000 | $529,000 |
Complaints
Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Pacific Residential Mortgage | VA mortgage | Closing on a mortgage | 1 | 100.0% |