Pathways Financial Credit Union Mortgage Rates, Fees & Info
Columbus, OHLEI: 254900YSYHBYDFRVT153
Tax ID: 23-7247091
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Mortgage Data
Review & Overview
Pathways Financial Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Pathways Financial Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Columbus, Dayton, Maysville, Cincinnati, and Springfield among others. We have data for 26 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 an average pick rate when compared to similar lenders.
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Originations
417Origination Dollar Volume (All Markets)
$70,005,000Top 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) | 311 | $55,915,000 | $179,791 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 20 | $2,630,000 | $131,500 | $0 | 0.00% |
| Maysville, KY (FHA|USDA|VA) | 18 | $1,940,000 | $107,778 | $0 | 0.00% |
| Outside of Metro Areas | 16 | $1,780,000 | $111,250 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 10 | $1,080,000 | $108,000 | $0 | 0.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 8 | $1,010,000 | $126,250 | $0 | 0.00% |
| Urbana, OH (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $0 | 0.00% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 0.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $0 | 0.00% |
| Chillicothe, OH (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 0.00% |
| Portsmouth, OH (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 0.00% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 0.00% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Jackson, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| Fremont, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| Greenville, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Marion, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Sidney, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Celina, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 416 | $69,790,000 | $167,764 | $0 | 0.00% |
| FHA | 1 | $215,000 | $215,000 | $0 | 0.00% |
For 2021, Pathways Financial Credit Union's most frequently originated type of loan was Conventional, with 416 originations. Their 2nd most popular type was FHA, with 1 originations.
Loan Reason
For 2021, Pathways Financial Credit Union's most frequently cited loan purpose was Refi, with 174 originations. The 2nd most popular reason was Cash Out Refi, with 142 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 417 | $70,005,000 | $167,878 | $0 | 0.00% |
For 2021, Pathways Financial Credit Union's most frequently cited loan duration was Other, with 417 originations.
Loan Sizing
2021 saw Pathways Financial Credit Union place emphasis on $100k-200k loans with 186 originations, totaling $26,760,000 in origination value.
Applicant Income
Pathways Financial Credit Union lent most frequently to those with incomes in the $100k-150k range, with 102 originations. The second most popular income band? $50k-75k, with 99 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 417 | $70,005,000 | $167,878 | $0 | 0.00% |
Pathways Financial Credit Union lent most frequently to those with DTI ratios of Exempt%, with 417 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.71%
Pathways Financial Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination92.57%
Pathways Financial Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 417 | $70,005,000 | $167,878 |