Pacific Premier Bank Mortgage Rates, Fees & Info
Irvine, CALEI: 549300NTH6N72ZZNX948
Tax ID: 95-3811107
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Pacific Premier Bank is a small bank specializing in Refi and Home Purchase loans. Pacific Premier Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Portland, Phoenix, San Diego, and Riverside among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)Pacific Premier Bank 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 3/28/23 |
| 30 Year Conventional Refi | 6.27% | 3/28/23 |
| 15 Year Conventional Refi | 5.68% | 3/28/23 |
| 15 Year Cash-out Refi | 5.68% | 3/28/23 |
| 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. | ||
Originations
382Origination Dollar Volume (All Markets)
$1,113,760,000Relative Rate
Pacific Premier Bank's average 30 year fixed mortgage rate was
3.47%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -1.29%.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 136 | $283,180,000 | $2,082,206 | $0 | 3.68% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 17 | $83,665,000 | $4,921,471 | $0 | 3.77% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 33 | $82,925,000 | $2,512,879 | $0 | 3.77% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 24 | $82,260,000 | $3,427,500 | $0 | 3.86% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 25 | $70,065,000 | $2,802,600 | $0 | 3.82% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 14 | $68,850,000 | $4,917,857 | $0 | 3.48% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 16 | $49,540,000 | $3,096,250 | $0 | 3.61% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $42,630,000 | $4,263,000 | $0 | 3.53% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $28,265,000 | $9,421,667 | $0 | 3.67% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $22,685,000 | $3,240,714 | $0 | 3.83% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $18,210,000 | $9,105,000 | $0 | 3.48% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $17,430,000 | $1,743,000 | $0 | 4.24% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $17,130,000 | $8,565,000 | $0 | 3.30% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $17,005,000 | $17,005,000 | $0 | 5.00% |
| RENO, NV (FHA|USDA|VA) | 5 | $15,425,000 | $3,085,000 | $0 | 3.68% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $14,655,000 | $4,885,000 | $0 | 3.42% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $14,040,000 | $7,020,000 | $0 | 3.20% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $13,215,000 | $4,405,000 | $0 | 4.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $12,505,000 | $4,168,333 | $0 | 3.42% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $11,895,000 | $11,895,000 | $0 | 3.50% |
| BEND, OR (FHA|USDA|VA) | 2 | $11,850,000 | $5,925,000 | $0 | 5.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $11,505,000 | $11,505,000 | $0 | 3.65% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $10,720,000 | $5,360,000 | $0 | 4.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $7,750,000 | $968,750 | $0 | 3.63% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $7,375,000 | $2,458,333 | $0 | 3.80% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $7,350,000 | $1,837,500 | $0 | 3.46% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $6,905,000 | $6,905,000 | $0 | 3.75% |
| Durango, CO (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 4.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $5,835,000 | $1,945,000 | $0 | 4.47% |
| Outside of Metro Areas | 4 | $5,730,000 | $1,432,500 | $0 | 3.63% |
| Newport, OR (FHA|USDA|VA) | 2 | $5,330,000 | $2,665,000 | $0 | 4.94% |
| SALEM, OR (FHA|USDA|VA) | 2 | $5,290,000 | $2,645,000 | $0 | 3.68% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $5,230,000 | $2,615,000 | $0 | 3.93% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $0 | 4.00% |
| Astoria, OR (FHA|USDA|VA) | 1 | $3,345,000 | $3,345,000 | $0 | 3.30% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $3,275,000 | $3,275,000 | $0 | 3.50% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $3,175,000 | $3,175,000 | $0 | 3.25% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $3,080,000 | $1,540,000 | $0 | 3.60% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $2,990,000 | $1,495,000 | $0 | 4.30% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,765,000 | $921,667 | $0 | 4.90% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $2,705,000 | $2,705,000 | $0 | 3.65% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $2,705,000 | $2,705,000 | $0 | 4.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $2,615,000 | $2,615,000 | $0 | 4.50% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $2,530,000 | $1,265,000 | $0 | 3.48% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 3.75% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $1,955,000 | $1,955,000 | $0 | 4.75% |
| Fernley, NV (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 4.25% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $0 | 4.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $1,585,000 | $1,585,000 | $0 | 3.70% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 3.70% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $1,475,000 | $1,475,000 | $0 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $0 | 3.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 6.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $0 | 3.20% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 4.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.60% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 3.75% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 382 | $1,113,760,000 | $2,915,602 | $0 | 3.78% |
For 2022, Pacific Premier Bank's most frequently originated type of loan was Conventional, with 382 originations.
Loan Reason
For 2022, Pacific Premier Bank's most frequently cited loan purpose was Refi, with 240 originations. The 2nd most popular reason was Home Purchase, with 137 originations.
Loan Duration/Length
For 2022, Pacific Premier Bank's most frequently cited loan duration was 10 Year, with 314 originations. The 2nd most popular length was 30 Year, with 36 originations.
Interest Rates
During 2022, Pacific Premier Bank's average interest rate for loans was 3.47%, while their most frequently originated rate bucket for loans was 3-4%, with 288 originations.
Loan Sizing
2022 saw Pacific Premier Bank place emphasis on $1MM+ loans with 318 originations, totaling $1,071,950,000 in origination value.
Applicant Income
Pacific Premier Bank lent most frequently to those with incomes in the $150k-250k range, with 4 originations. The second most popular income band? $75k-100k, with 4 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.05%
Pacific Premier Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.88%
Pacific Premier Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 382 | $1,113,760,000 | $2,915,602 |