Pacific Crest Savings Bank Mortgage Rates, Fees & Info
Lynnwood, WALEI: 549300F0UOE1LUACDY02
Tax ID: 91-1859716
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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 (well, only) market is Seattle.Pacific Crest Savings Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
34Origination Dollar Volume (All Markets)
$30,650,000Top 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) | 34 | $30,650,000 | $901,471 | $0 | 0.00% |
Their top states include:
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 34 | $30,650,000 | $901,471 | $0 | 0.00% |
For 2019, 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 | 20 | $19,250,000 | $962,500 | $0 | 0.00% |
Home Purchase | 14 | $11,400,000 | $814,286 | $0 | 0.00% |
For 2019, Pacific Crest Savings Bank's most frequently cited loan purpose was Refi, with 20 originations. The 2nd most popular reason was Home Purchase, with 14 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 34 | $30,650,000 | $901,471 | $0 | 0.00% |
For 2019, Pacific Crest Savings Bank's most frequently cited loan duration was Other, with 34 originations.
Loan Sizing
2019 saw Pacific Crest Savings Bank place emphasis on $1MM+ loans with 10 originations, totaling $19,570,000 in origination value.
Applicant Income
Pacific Crest Savings Bank lent most frequently to those with incomes in the $250k+ range, with 3 originations. The second most popular income band? $100k-150k, with 2 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 34 | $30,650,000 | $901,471 | $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 applications76.47%
Pacific Crest Savings Bank has a below average approval rate.
Pick Rate
Approvals leading to origination91.18%
Pacific Crest Savings Bank has an average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 34 | $30,650,000 | $901,471 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Multifamily:Site-Built | 12 | $18,670,000 | $1,555,833 |
Single Family (1-4 Units):Site-Built | 22 | $11,980,000 | $544,545 |
Complaints
Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Pacific Home Loans, Inc | VA mortgage | Closing on a mortgage | 1 | 100.0% |