Pacific Residential Mortgage Rates, Fees & Info
LAKE OSWEGO, ORLEI: 549300TUQC6OYE8A0Y96
Tax ID: 11-3714032
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Mortgage Data
Review & Overview
Pacific Residential Mortgage is a smaller mortgage company specializing in Home Purchase loans. Pacific Residential Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Portland, Phoenix, Sacramento, Albany, and Stockton among others. We have data for 111 markets. (Some data included below & more in-depth data is available with an active subscription.)Pacific Residential Mortgage 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. Pacific Residential Mortgage is typically an average 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 | 6.99% | 7/13/25 |
| 30 Year Conventional Refi | 6.92% | 7/13/25 |
| 30 Year Cash-out Refi | 7.34% | 7/13/25 |
| 30 Year FHA Purchase | 7.29% | 7/13/25 |
| 30 Year FHA Refi | 7.09% | 7/13/25 |
| 30 Year VA Purchase | 6.72% | 7/13/25 |
| 30 Year VA Refi | 6.24% | 7/13/25 |
| 30 Year USDA Purchase | 7.04% | 7/13/25 |
| 15 Year Conventional Purchase | 7.39% | 7/13/25 |
| 15 Year Conventional Refi | 6.15% | 7/13/25 |
| 15 Year Cash-out Refi | 6.15% | 7/13/25 |
| 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 Residential Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,121Origination Dollar Volume (All Markets)
$449,275,000Awards
PACIFIC RESIDENTIAL MORTGAGE - 2024
PACIFIC RESIDENTIAL MORTGAGE is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Pacific Residential Mortgage's average 30 year fixed mortgage rate was
6.65%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.1%.
Relative Fees (Closing Costs)
Pacific Residential Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $10,362.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 300 | $131,830,000 | $439,433 | $10,933 | 6.70% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 134 | $49,320,000 | $368,060 | $9,178 | 6.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 80 | $34,610,000 | $432,625 | $9,732 | 6.65% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 45 | $16,425,000 | $365,000 | $12,476 | 6.58% |
| STOCKTON, CA (FHA|USDA|VA) | 34 | $15,690,000 | $461,471 | $11,392 | 6.56% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 34 | $15,350,000 | $451,471 | $10,607 | 6.25% |
| SALEM, OR (FHA|USDA|VA) | 37 | $13,575,000 | $366,892 | $14,035 | 6.34% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 22 | $12,470,000 | $566,818 | $11,652 | 6.55% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 26 | $12,450,000 | $478,846 | $7,254 | 6.46% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 19 | $12,385,000 | $651,842 | $10,915 | 6.29% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 23 | $11,945,000 | $519,348 | $10,697 | 6.47% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 34 | $10,700,000 | $314,706 | $10,057 | 6.65% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 26 | $8,490,000 | $326,538 | $10,386 | 6.97% |
| Outside of Metro Areas | 21 | $6,815,000 | $324,524 | $10,109 | 7.03% |
| LAS CRUCES, NM (FHA|USDA|VA) | 24 | $6,090,000 | $253,750 | $7,136 | 6.42% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 23 | $5,645,000 | $245,435 | $9,485 | 6.84% |
| BEND, OR (FHA|USDA|VA) | 9 | $4,945,000 | $549,444 | $11,205 | 6.98% |
| CORVALLIS, OR (FHA|USDA|VA) | 10 | $4,610,000 | $461,000 | $11,882 | 6.83% |
| MEDFORD, OR (FHA|USDA|VA) | 11 | $4,605,000 | $418,636 | $13,143 | 6.57% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $4,265,000 | $609,286 | $6,814 | 6.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 12 | $3,860,000 | $321,667 | $10,707 | 6.43% |
| BOISE CITY, ID (FHA|USDA|VA) | 12 | $3,510,000 | $292,500 | $9,931 | 7.07% |
| Newport, OR (FHA|USDA|VA) | 8 | $3,370,000 | $421,250 | $14,254 | 6.70% |
| RENO, NV (FHA|USDA|VA) | 9 | $3,135,000 | $348,333 | $13,697 | 7.02% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $2,665,000 | $533,000 | $8,085 | 6.60% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $9,376 | 6.03% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $2,165,000 | $433,000 | $7,820 | 6.65% |
| Roseburg, OR (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $10,970 | 7.02% |
| Fernley, NV (FHA|USDA|VA) | 6 | $1,950,000 | $325,000 | $14,581 | 7.48% |
| PROVO-OREM, UT (FHA|USDA|VA) | 7 | $1,895,000 | $270,714 | $8,578 | 7.18% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $9,821 | 6.37% |
| Winnemucca, NV (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $10,208 | 6.68% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $6,285 | 6.84% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $9,891 | 6.69% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $13,411 | 6.12% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $11,557 | 6.96% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $9,857 | 6.67% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $5,695 | 6.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $7,340 | 7.06% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $6,731 | 6.83% |
| Ukiah, CA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $5,227 | 4.87% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $8,218 | 6.27% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $7,814 | 7.25% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $6,909 | 7.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $11,406 | 6.13% |
| Hood River, OR (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $4,084 | 7.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $8,416 | 6.74% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $13,997 | 7.13% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,060 | 6.49% |
| Granbury, TX (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $8,491 | 6.83% |
| Prineville, OR (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $19,924 | 6.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $15,703 | 6.49% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $19,698 | 6.50% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,831 | 6.38% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,575 | 6.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $17,567 | 5.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $14,011 | 6.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $17,496 | 6.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,588 | 6.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $12,109 | 6.75% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,084 | 5.99% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $10,023 | 6.99% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $11,739 | 6.99% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,050 | 6.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,707 | 6.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,316 | 7.13% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $12,709 | 6.99% |
| Safford, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,306 | 7.12% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,184 | 6.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,238 | 6.75% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,613 | 6.44% |
| Astoria, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,568 | 6.88% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $22,037 | 5.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $16,946 | 7.38% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,680 | 7.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $20,600 | 5.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,655 | 6.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,826 | 5.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,376 | 6.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,628 | 6.63% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,202 | 6.99% |
| CHICO, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,825 | 7.13% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,905 | 6.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,521 | 8.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,642 | 6.50% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,018 | 6.13% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,870 | 6.63% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,718 | 6.13% |
| TYLER, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,984 | 7.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,232 | 6.99% |
| Elko, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,616 | 7.25% |
| Wooster, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,495 | 6.13% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,949 | 6.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,232 | 7.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,598 | 6.13% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,897 | 6.50% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,707 | 7.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,400 | 6.50% |
| Fallon, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,392 | 7.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,719 | 6.75% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,926 | 7.88% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,491 | 7.49% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,850 | 8.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,050 | 6.49% |
| Martin, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,894 | 6.38% |
| Susanville, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,731 | 6.88% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,140 | 7.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,983 | 6.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $4,810 | 7.38% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,466 | 6.49% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,829 | 7.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against PACIFIC RESIDENTIAL MORTGAGE 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
For 2024, Pacific Residential Mortgage's most frequently originated type of loan was Conventional, with 780 originations. Their 2nd most popular type was FHA, with 249 originations.
Loan Reason
For 2024, Pacific Residential Mortgage's most frequently cited loan purpose was Home Purchase, with 986 originations. The 2nd most popular reason was Refi, with 91 originations.
Loan Duration/Length
For 2024, Pacific Residential Mortgage's most frequently cited loan duration was 30 Year, with 1,101 originations. The 2nd most popular length was 15 Year, with 12 originations.
Origination Fees/Closing Costs
Pacific Residential Mortgage's average total fees were $10,362, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 514 originations.
Interest Rates
During 2024, Pacific Residential Mortgage's average interest rate for loans was 6.65%, while their most frequently originated rate bucket for loans was 6-7%, with 688 originations.
Loan Sizing
2024 saw Pacific Residential Mortgage place emphasis on $200k-400k loans with 457 originations, totaling $141,805,000 in origination value.
Applicant Income
Pacific Residential Mortgage lent most frequently to those with incomes in the $100k-150k range, with 363 originations. The second most popular income band? $150k-250k, with 286 originations.
Applicant Debt to Income Ratio
Pacific Residential Mortgage lent most frequently to those with DTI ratios of 30-36%, with 177 originations. The next most common DTI ratio? 50-60%, with 116 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.28%
Pacific Residential Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.76%
Pacific Residential Mortgage 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 |
|---|---|---|---|
| NA | 1,121 | $449,275,000 | $400,781 |