Pacific Cascade Federal Credit Union Mortgage Rates, Fees & Info

Eugene, OR

LEI: 549300GNC55MZTGKJ811

Tax ID: 93-6183295

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • 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

    Pacific Cascade Federal Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. Pacific Cascade Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Eugene, Roseburg, and Bend among others. We have data for 3 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 an average pick rate when compared to similar lenders. Pacific Cascade Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.27% 11/21/24
    30 Year Conventional Refi 6.61% 11/21/24
    30 Year Cash-out Refi 6.61% 11/21/24
    15 Year Conventional Purchase 5.41% 11/21/24
    15 Year Conventional Refi 6.09% 11/21/24
    15 Year Cash-out Refi 6.09% 11/21/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Pacific Cascade Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    39

    Origination Dollar Volume (All Markets)

    $6,595,000

    Awards

    PACIFIC CASCADE FEDERAL CREDIT UNION 30 Year Conventional Loans gold
    Show all (1) awards

    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
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 37 $5,795,000 $156,622 $2,350 3.46%
    Roseburg, OR (FHA|USDA|VA) 1 $535,000 $535,000 $5,718 3.25%
    BEND, OR (FHA|USDA|VA) 1 $265,000 $265,000 $3,496 2.93%
    Pacific Cascade Federal Credit Union's top markets include Eugene, Roseburg, and Bend among others.

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

    • 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.

    SELCO COMMUNITY
    Similarity Rank: 180
    PACIFIC CASCADE FEDERAL CREDIT UNION
    Similarity Rank: 249
    LPMC, LLC
    Similarity Rank: 1617
    FIRST COMMUNITY
    Similarity Rank: 1656
    OREGON COMMUNITY
    Similarity Rank: 1659
    OnPoint Community Credit Union
    Similarity Rank: 2856
    NORTHWEST COMMUNITY
    Similarity Rank: 3036
    Strong Home Mortgage, LLC
    Similarity Rank: 3072
    North American Savings Bank, F.S.B.
    Similarity Rank: 4095
    MORTGAGE EXPRESS, LLC
    Similarity Rank: 4275

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 39 $6,595,000 $169,103 $2,524 3.44%

    For 2021, Pacific Cascade Federal Credit Union's most frequently originated type of loan was Conventional, with 39 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 19 $3,845,000 $202,368 $3,086 3.29%
    Refi 13 $1,865,000 $143,462 $2,529 3.16%
    Other 6 $350,000 $58,333 $303 4.59%
    Home Purchase 1 $535,000 $535,000 $5,718 3.25%

    For 2021, Pacific Cascade Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 19 originations. The 2nd most popular reason was Refi, with 13 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    15 Year 14 $1,700,000 $121,429 $1,471 3.90%
    30 Year 12 $3,210,000 $267,500 $3,223 3.34%
    Other 5 $485,000 $97,000 $395 2.75%
    10 Year 4 $180,000 $45,000 $0 3.33%
    20 Year 4 $1,020,000 $255,000 $3,324 3.14%

    For 2021, Pacific Cascade Federal Credit Union's most frequently cited loan duration was 15 Year, with 14 originations. The 2nd most popular length was 30 Year, with 12 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 20 $5,010,000 $250,500
    $<1k 14 $1,270,000 $90,714

    Pacific Cascade Federal Credit Union's average total fees were $3,223, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 20 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 27 $5,345,000 $197,963
    2.5-3% 8 $1,060,000 $132,500
    5-6% 4 $190,000 $47,500

    During 2021, Pacific Cascade Federal Credit Union's average interest rate for loans was 3.34%, while their most frequently originated rate bucket for loans was 3-4%, with 27 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 16 $4,080,000 $255,000 $3,121 3.27%
    $100,000 or less 13 $695,000 $53,462 $280 3.93%
    $100k-200k 9 $1,285,000 $142,778 $1,995 3.07%
    $400k-600k 1 $535,000 $535,000 $5,718 3.25%

    2021 saw Pacific Cascade Federal Credit Union place emphasis on $200k-400k loans with 16 originations, totaling $4,080,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 11 $1,515,000 $137,727 $2,025 3.69%
    $100k-150k 10 $2,650,000 $265,000 $3,033 3.08%
    $50k or less 7 $455,000 $65,000 $3,186 3.34%
    $150k-250k 6 $1,010,000 $168,333 $2,559 3.53%
    $75k-100k 5 $965,000 $193,000 $2,250 3.69%

    Pacific Cascade Federal Credit Union lent most frequently to those with incomes in the $50k-75k range, with 11 originations. The second most popular income band? $100k-150k, with 10 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 10 $2,070,000 $207,000 $2,900 3.21%
    30-36% 10 $1,510,000 $151,000 $1,885 3.68%
    <20% 6 $570,000 $95,000 $1,357 3.40%
    41% 3 $955,000 $318,333 $3,617 3.15%
    42% 3 $275,000 $91,667 $1,955 3.83%
    43% 1 $205,000 $205,000 $3,714 3.85%
    44% 1 $215,000 $215,000 $3,328 3.35%
    50-60% 1 $285,000 $285,000 $2,396 3.25%
    37% 1 $255,000 $255,000 $3,254 3.13%
    38% 1 $95,000 $95,000 $0 3.65%
    39% 1 $105,000 $105,000 $0 3.65%
    40% 1 $55,000 $55,000 $0 3.25%

    Pacific Cascade Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 10 originations. The next most common DTI ratio? 30-36%, with 10 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 33 $5,485,000 $166,212 $2,477 3.45%
    Black 3 $655,000 $218,333 $3,672 3.38%
    Not provided 2 $270,000 $135,000 $0 3.45%
    American Indian 1 $185,000 $185,000 $1,295 3.50%

    Approval Rates

    Total approvals of all applications
    84.31%

    Pacific Cascade Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    92.31%

    Pacific Cascade Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 39 $6,595,000 $169,103

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    39 $6,595,000 $169,103

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $1,115,000 $123,889 $2,182 3.16%
    40-60% 11 $2,545,000 $231,364 $2,928 3.22%
    60-80% 7 $1,865,000 $266,429 $3,074 3.34%
    80-100% 1 $535,000 $535,000 $5,718 3.25%
    Under 20% 11 $535,000 $48,636 $280 3.98%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    PACIFIC FORESIGHT FINANCIAL CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%