Pacific Cascade Federal Credit Union Mortgage Rates, Fees & Info
Eugene, ORLEI: 549300GNC55MZTGKJ811
Tax ID: 93-6183295
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Pacific Cascade Federal Credit Union is a smaller credit union specializing in Other, Cash Out Refi, and Refi loans. Pacific Cascade Federal Credit Union has a high proportion of conventional loans. Their top (well, only) market is Eugene.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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.72% | 4/17/25 |
| 15 Year Conventional Refi | 5.72% | 4/17/25 |
| 15 Year Cash-out Refi | 5.72% | 4/17/25 |
| 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
12Origination Dollar Volume (All Markets)
$1,200,000Top 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) | 12 | $1,200,000 | $100,000 | $1,037 | 7.97% |
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 | 12 | $1,200,000 | $100,000 | $1,037 | 7.97% |
For 2024, Pacific Cascade Federal Credit Union's most frequently originated type of loan was Conventional, with 12 originations.
Loan Reason
For 2024, Pacific Cascade Federal Credit Union's most frequently cited loan purpose was Other, with 7 originations. The 2nd most popular reason was Cash Out Refi, with 3 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 15 Year | 6 | $840,000 | $140,000 | $1,477 | 7.63% |
| 10 Year | 5 | $305,000 | $61,000 | $492 | 8.25% |
| Other | 1 | $55,000 | $55,000 | $1,119 | 8.63% |
For 2024, Pacific Cascade Federal Credit Union's most frequently cited loan duration was 15 Year, with 6 originations. The 2nd most popular length was 10 Year, with 5 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 3 | $655,000 | $218,333 |
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-2k bucket, with 3 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 6 | $430,000 | $71,667 |
| 7-8% | 4 | $180,000 | $45,000 |
| 5-6% | 1 | $345,000 | $345,000 |
| 6-7% | 1 | $245,000 | $245,000 |
During 2024, Pacific Cascade Federal Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 6 originations.
Loan Sizing
2024 saw Pacific Cascade Federal Credit Union place emphasis on $100,000 or less loans with 9 originations, totaling $505,000 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 2 originations.
Applicant Debt to Income Ratio
Pacific Cascade Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 5 originations. The next most common DTI ratio? 30-36%, with 2 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 9 | $745,000 | $82,778 | $971 | 8.14% |
| Not provided | 3 | $455,000 | $151,667 | $1,233 | 7.46% |
Approval Rates
Total approvals of all applications71.43%
Pacific Cascade Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination75.00%
Pacific Cascade Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12 | $1,200,000 | $100,000 |