Pcm Mortgage Rates, Fees & Info

Green Bay, WI

LEI: 549300IY3J6361R6MA88

Tax ID: 39-0974444

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
  • 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

    Pcm is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Pcm has a high proportion of conventional loans. Their top (well, only) market is Green Bay.

    Pcm has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Pcm 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.21% 11/22/24
    30 Year Conventional Refi 4.63% 11/22/24
    30 Year Cash-out Refi 5.55% 11/22/24
    15 Year Conventional Purchase 4.70% 11/22/24
    15 Year Conventional Refi 4.62% 11/22/24
    15 Year Cash-out Refi 4.62% 11/22/24
    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.

    Pcm Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Pcm. 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

    242

    Origination Dollar Volume (All Markets)

    $26,090,000

    Awards

    PCM 30 Year Conventional Loans bronze PCM 30 Year Conventional Loans gold PCM 30 Year Conventional Loans silver
    Show all (3) 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
    GREEN BAY, WI (FHA|USDA|VA) 160 $18,700,000 $116,875 $1,861 4.46%
    Outside of Metro Areas 82 $7,390,000 $90,122 $2,528 4.37%
    Pcm's top markets include and Green Bay among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against PCM based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    UNISON CREDIT UNION
    Similarity Rank: 14
    PCM
    Similarity Rank: 66
    CAPITAL Credit Union
    Similarity Rank: 128
    FOX COMMUNITIES
    Similarity Rank: 276
    Community First Credit Union
    Similarity Rank: 405
    North Shore Bank FSB
    Similarity Rank: 456
    University of Wisconsin Credit Union
    Similarity Rank: 513
    CoVantage Credit Union
    Similarity Rank: 588
    Bank First, N.A.
    Similarity Rank: 756
    Bank Five Nine
    Similarity Rank: 1702

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 236 $25,900,000 $109,746 $2,093 4.39%
    HELOC 6 $190,000 $31,667 n/a 5.82%

    For 2018, Pcm's most frequently originated type of loan was Conventional, with 236 originations. Their 2nd most popular type was HELOC, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 89 $11,665,000 $131,067 $2,545 4.35%
    Cash Out Refi 76 $7,210,000 $94,868 $1,683 4.28%
    Refi 46 $5,030,000 $109,348 $1,980 4.38%
    Other 23 $835,000 $36,304 $1,987 5.31%
    NA 6 $1,010,000 $168,333 $0 0.00%
    Home Improvement 2 $340,000 $170,000 $0 4.49%

    For 2018, Pcm's most frequently cited loan purpose was Home Purchase, with 89 originations. The 2nd most popular reason was Cash Out Refi, with 76 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 93 $14,215,000 $152,849 $3,300 4.33%
    10 Year 50 $2,770,000 $55,400 $588 4.31%
    Other 36 $3,960,000 $110,000 $520 4.71%
    15 Year 31 $2,025,000 $65,323 $2,440 4.83%
    20 Year 24 $2,910,000 $121,250 $591 4.18%
    5 Year 8 $210,000 $26,250 $3,197 4.74%

    For 2018, Pcm's most frequently cited loan duration was 30 Year, with 93 originations. The 2nd most popular length was 10 Year, with 50 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 208 $22,430,000 $107,837

    Pcm's average total fees were $3,300, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 208 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 125 $13,165,000 $105,320
    3-4% 84 $10,140,000 $120,714
    5-6% 15 $515,000 $34,333
    6-7% 2 $40,000 $20,000
    7-8% 1 $25,000 $25,000

    During 2018, Pcm's average interest rate for loans was 4.33%, while their most frequently originated rate bucket for loans was 4-5%, with 125 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 134 $7,290,000 $54,403 $1,861 4.54%
    $100k-200k 79 $10,845,000 $137,278 $2,912 4.31%
    $200k-400k 27 $7,065,000 $261,667 $972 4.20%
    $400k-600k 2 $890,000 $445,000 $998 3.87%

    2018 saw Pcm place emphasis on $100,000 or less loans with 134 originations, totaling $7,290,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 66 $5,380,000 $81,515 $3,246 4.37%
    $100k-150k 57 $8,165,000 $143,246 $679 4.53%
    $50k-75k 56 $4,620,000 $82,500 $2,692 4.48%
    $75k-100k 46 $5,430,000 $118,043 $2,257 4.32%
    $150k-250k 14 $1,950,000 $139,286 $561 4.47%
    $250k+ 1 $385,000 $385,000 $0 0.00%

    Pcm lent most frequently to those with incomes in the $50k or less range, with 66 originations. The second most popular income band? $100k-150k, with 57 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 68 $7,470,000 $109,853 $660 4.37%
    30-36% 52 $5,760,000 $110,769 $3,498 4.30%
    <20% 49 $3,445,000 $70,306 $715 4.43%
    37% 10 $1,250,000 $125,000 $864 4.62%
    40% 7 $555,000 $79,286 $715 5.06%
    >60% 6 $810,000 $135,000 $463 4.29%
    43% 6 $400,000 $66,667 $636 4.66%
    41% 5 $865,000 $173,000 $1,115 4.19%
    39% 5 $455,000 $91,000 $664 4.74%
    42% 5 $1,025,000 $205,000 $975 4.44%
    38% 3 $415,000 $138,333 $443 4.32%
    36% 3 $205,000 $68,333 $7,132 4.50%
    50-60% 3 $475,000 $158,333 $47,185 4.82%
    45% 2 $220,000 $110,000 $1,025 4.74%
    48% 1 $115,000 $115,000 $1,703 4.75%
    49% 1 $55,000 $55,000 $145 4.99%
    44% 1 $305,000 $305,000 $605 4.49%

    Pcm lent most frequently to those with DTI ratios of 20-30%, with 68 originations. The next most common DTI ratio? 30-36%, with 52 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 224 $23,080,000 $103,036 $2,181 4.43%
    Not provided 14 $2,090,000 $149,286 $773 4.47%
    American Indian 3 $605,000 $201,667 $683 4.00%
    Asian 1 $315,000 $315,000 $1,060 4.49%

    Approval Rates

    Total approvals of all applications
    96.40%

    Pcm has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.15%

    Pcm has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 6 $190,000 $31,667
    NA 236 $25,900,000 $109,746

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 7 $1,145,000 $163,571
    Single Family (1-4 Units):Site-Built 235 $24,945,000 $106,149

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $1,475,000 $64,130 $1,338 4.58%
    40-60% 29 $2,795,000 $96,379 $484 4.22%
    60-80% 77 $10,155,000 $131,883 $1,825 4.27%
    80-100% 80 $10,450,000 $130,625 $3,605 4.34%
    Over 100% 1 $55,000 $55,000 $245 4.99%
    Under 20% 27 $735,000 $27,222 $842 5.17%