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 Cash Out Refi and Home Purchase loans. Pcm has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Marinette, Appleton, Shawano, and Manitowoc among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

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

    424

    Origination Dollar Volume (All Markets)

    $69,670,000
    Show all (6) 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) 295 $50,255,000 $170,356 $976 3.75%
    Marinette, WI-MI (FHA|USDA|VA) 52 $6,420,000 $123,462 $911 3.80%
    APPLETON, WI (FHA|USDA|VA) 26 $4,680,000 $180,000 $1,156 3.73%
    Outside of Metro Areas 17 $2,645,000 $155,588 $1,278 3.68%
    Shawano, WI (FHA|USDA|VA) 11 $1,695,000 $154,091 $807 3.77%
    Manitowoc, WI (FHA|USDA|VA) 10 $1,400,000 $140,000 $945 3.52%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $895,000 $298,333 $884 3.74%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $460,000 $230,000 $1,616 3.74%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $430,000 $215,000 $1,416 3.74%
    MADISON, WI (FHA|USDA|VA) 1 $335,000 $335,000 $1,550 2.49%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $310,000 $155,000 $938 4.12%
    RACINE, WI (FHA|USDA|VA) 2 $120,000 $60,000 $685 3.63%
    Platteville, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.49%
    Pcm's top markets include Green Bay, Marinette, Appleton, Shawano, and Manitowoc 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.

    PCM
    Similarity Rank: 117
    Denmark State Bank
    Similarity Rank: 198
    VERVE, A CREDIT UNION
    Similarity Rank: 247
    FOX COMMUNITIES
    Similarity Rank: 297
    CAPITAL Credit Union
    Similarity Rank: 300
    Community First Credit Union
    Similarity Rank: 312
    Bank of Luxemburg
    Similarity Rank: 324
    North Shore Bank FSB
    Similarity Rank: 418
    The Stephenson National Bank and Trust
    Similarity Rank: 486
    Fortifi Bank
    Similarity Rank: 756

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 392 $68,290,000 $174,209 $989 3.65%
    HELOC 32 $1,380,000 $43,125 n/a 4.99%

    For 2022, Pcm's most frequently originated type of loan was Conventional, with 392 originations. Their 2nd most popular type was HELOC, with 32 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 162 $26,190,000 $161,667 $817 3.50%
    Home Purchase 144 $29,470,000 $204,653 $1,381 3.66%
    Other 69 $2,625,000 $38,043 $361 4.74%
    Refi 49 $11,385,000 $232,347 $844 3.49%

    For 2022, Pcm's most frequently cited loan purpose was Cash Out Refi, with 162 originations. The 2nd most popular reason was Home Purchase, with 144 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 185 $38,045,000 $205,649 $1,153 3.72%
    10 Year 80 $14,360,000 $179,500 $1,064 3.62%
    15 Year 80 $8,120,000 $101,500 $723 3.90%
    20 Year 50 $7,030,000 $140,600 $876 3.66%
    Other 28 $2,100,000 $75,000 $665 4.03%
    5 Year 1 $15,000 $15,000 $306 4.99%

    For 2022, Pcm's most frequently cited loan duration was 30 Year, with 185 originations. The 2nd most popular length was 10 Year, with 80 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 340 $59,380,000 $174,647

    Pcm's average total fees were $1,153, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 340 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 287 $50,125,000 $174,652
    4-5% 56 $5,110,000 $91,250
    2.5-3% 41 $9,155,000 $223,293
    <2.5% 19 $3,375,000 $177,632
    5-6% 14 $1,460,000 $104,286
    7-8% 6 $320,000 $53,333
    6-7% 1 $125,000 $125,000

    During 2022, Pcm's average interest rate for loans was 3.72%, while their most frequently originated rate bucket for loans was 3-4%, with 287 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 159 $23,685,000 $148,962 $1,005 3.58%
    $100,000 or less 141 $7,565,000 $53,652 $588 4.10%
    $200k-400k 105 $27,285,000 $259,857 $1,334 3.62%
    $400k-600k 15 $7,095,000 $473,000 $1,243 3.51%
    $600k-1MM 3 $1,955,000 $651,667 $1,021 2.99%
    $1MM+ 1 $2,085,000 $2,085,000 $1,745 2.99%

    2022 saw Pcm place emphasis on $100k-200k loans with 159 originations, totaling $23,685,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 119 $22,455,000 $188,697 $1,046 3.76%
    $50k-75k 115 $14,825,000 $128,913 $952 3.87%
    $75k-100k 82 $12,120,000 $147,805 $1,013 3.86%
    $50k or less 57 $6,375,000 $111,842 $740 3.50%
    $150k-250k 42 $9,590,000 $228,333 $1,196 3.55%
    $250k+ 8 $4,170,000 $521,250 $1,334 3.65%

    Pcm lent most frequently to those with incomes in the $100k-150k range, with 119 originations. The second most popular income band? $50k-75k, with 115 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 131 $19,715,000 $150,496 $1,064 3.59%
    30-36% 107 $18,315,000 $171,168 $981 3.82%
    <20% 43 $8,255,000 $191,977 $947 3.81%
    41% 20 $3,530,000 $176,500 $746 3.51%
    36% 19 $3,055,000 $160,789 $1,011 3.75%
    42% 18 $2,530,000 $140,556 $980 3.75%
    38% 18 $2,380,000 $132,222 $811 3.81%
    37% 17 $2,605,000 $153,235 $1,044 4.12%
    39% 15 $2,705,000 $180,333 $1,128 3.98%
    40% 14 $2,680,000 $191,429 $1,047 3.90%
    43% 4 $340,000 $85,000 $321 3.87%
    50-60% 4 $700,000 $175,000 $1,068 3.62%
    44% 3 $225,000 $75,000 $590 4.58%
    >60% 1 $555,000 $555,000 $1,277 3.49%
    45% 1 $315,000 $315,000 $2,078 3.49%
    46% 1 $55,000 $55,000 $413 4.49%
    48% 1 $255,000 $255,000 $475 3.49%
    49% 1 $265,000 $265,000 $1,325 3.99%

    Pcm lent most frequently to those with DTI ratios of 20-30%, with 131 originations. The next most common DTI ratio? 30-36%, with 107 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 398 $64,720,000 $162,613 $981 3.77%
    Not provided 16 $2,980,000 $186,250 $1,001 3.63%
    American Indian 4 $660,000 $165,000 $1,097 3.43%
    Asian 2 $530,000 $265,000 $1,487 2.87%
    Black 2 $300,000 $150,000 $827 3.49%
    Filipino 1 $275,000 $275,000 $2,095 3.49%
    Other Pacific Islander 1 $205,000 $205,000 $1,157 3.25%

    Approval Rates

    Total approvals of all applications
    94.79%

    Pcm has an average approval rate.

    Pick Rate

    Approvals leading to origination
    54.72%

    Pcm has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 32 $1,400,000 $43,750
    NA 392 $68,270,000 $174,158

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    424 $69,670,000 $164,316

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 29 $1,545,000 $53,276 $487 4.48%
    40-60% 53 $8,015,000 $151,226 $859 3.30%
    60-80% 150 $28,230,000 $188,200 $977 3.53%
    80-100% 130 $29,550,000 $227,308 $1,298 3.64%
    Over 100% 1 $195,000 $195,000 $0 7.49%
    Under 20% 61 $2,135,000 $35,000 $460 4.54%