Pacific Cascade Federal Credit Union Mortgage Rates, Fees & Info
Eugene, ORLEI: 549300GNC55MZTGKJ811
Tax ID: 93-6183295
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Mortgage Data
Review & Overview
Pacific Cascade Federal Credit Union is a smaller credit union specializing in Other and Cash Out Refi loans. Pacific Cascade Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Eugene, Klamath Falls, Roseburg, and Albany among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Pacific Cascade 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 | 6.27% | 4/21/24 |
| 30 Year Conventional Refi | 6.61% | 4/21/24 |
| 30 Year Cash-out Refi | 6.61% | 4/21/24 |
| 15 Year Conventional Purchase | 5.41% | 4/21/24 |
| 15 Year Conventional Refi | 6.09% | 4/21/24 |
| 15 Year Cash-out Refi | 6.09% | 4/21/24 |
| 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 Cascade Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
14Origination Dollar Volume (All Markets)
$1,420,000Top 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 |
|---|---|---|---|---|---|
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 11 | $915,000 | $83,182 | $550 | 7.63% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,136 | 7.38% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $310 | 7.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $595 | 6.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against PACIFIC CASCADE 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 | 14 | $1,420,000 | $101,429 | $792 | 7.52% |
For 2023, Pacific Cascade Federal Credit Union's most frequently originated type of loan was Conventional, with 14 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Other | 9 | $585,000 | $65,000 | $523 | 7.86% |
| Cash Out Refi | 5 | $835,000 | $167,000 | $1,277 | 6.90% |
For 2023, Pacific Cascade Federal Credit Union's most frequently cited loan purpose was Other, with 9 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 15 Year | 9 | $1,105,000 | $122,778 | $973 | 7.60% |
| Other | 3 | $245,000 | $81,667 | $542 | 7.21% |
| 10 Year | 2 | $70,000 | $35,000 | $354 | 7.63% |
For 2023, Pacific Cascade Federal Credit Union's most frequently cited loan duration was 15 Year, with 9 originations. The 2nd most popular length was Other, with 3 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1 | $105,000 | $105,000 |
| $1k-2k | 1 | $375,000 | $375,000 |
Pacific Cascade Federal Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 6 | $780,000 | $130,000 |
| 6-7% | 5 | $405,000 | $81,000 |
| Over 8% | 3 | $235,000 | $78,333 |
During 2023, Pacific Cascade Federal Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 7-8%, with 6 originations.
Loan Sizing
2023 saw Pacific Cascade Federal Credit Union place emphasis on $100,000 or less loans with 10 originations, totaling $650,000 in origination value.
Applicant Income
Pacific Cascade Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 4 originations. The second most popular income band? $150k-250k, with 4 originations.
Applicant Debt to Income Ratio
Pacific Cascade Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 3 originations. The next most common DTI ratio? 37%, with 2 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.21%
Pacific Cascade Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination85.71%
Pacific Cascade Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 14 | $1,420,000 | $101,429 |