Pathways Financial Credit Union Mortgage Rates, Fees & Info
Columbus, OHLEI: 254900YSYHBYDFRVT153
Tax ID: 23-7247091
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Pathways Financial Credit Union is a smaller credit union specializing in Home Purchase and Other loans. Pathways Financial Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Bellefontaine, Akron, Mount Vernon, and Marietta among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)Pathways Financial Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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.
Originations
192Origination Dollar Volume (All Markets)
$25,880,000Top 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 |
|---|---|---|---|---|---|
| COLUMBUS, OH (FHA|USDA|VA) | 172 | $23,910,000 | $139,012 | $0 | 0.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 0.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 0.00% |
| Marietta, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 0.00% |
| Marion, OH (FHA|USDA|VA) | 3 | $155,000 | $51,667 | $0 | 0.00% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| Salem, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| LIMA, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 0.00% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Pathways Financial Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 224
Similarity Rank: 360
Similarity Rank: 420
Similarity Rank: 420
Similarity Rank: 728
Similarity Rank: 768
Similarity Rank: 820
Similarity Rank: 870
Similarity Rank: 935
Similarity Rank: 952
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 192 | $25,880,000 | $134,792 | $0 | 0.00% |
For 2018, Pathways Financial Credit Union's most frequently originated type of loan was Conventional, with 192 originations.
Loan Reason
For 2018, Pathways Financial Credit Union's most frequently cited loan purpose was Home Purchase, with 88 originations. The 2nd most popular reason was Other, with 62 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 192 | $25,880,000 | $134,792 | $0 | 0.00% |
For 2018, Pathways Financial Credit Union's most frequently cited loan duration was Other, with 192 originations.
Loan Sizing
2018 saw Pathways Financial Credit Union place emphasis on $100,000 or less loans with 80 originations, totaling $4,680,000 in origination value.
Applicant Income
Pathways Financial Credit Union lent most frequently to those with incomes in the $50k-75k range, with 46 originations. The second most popular income band? $50k or less, with 46 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 192 | $25,880,000 | $134,792 | $0 | 0.00% |
Pathways Financial Credit Union lent most frequently to those with DTI ratios of Exempt%, with 192 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.92%
Pathways Financial Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination54.69%
Pathways Financial Credit Union 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 |
|---|---|---|---|
| Exempt | 192 | $25,880,000 | $134,792 |