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
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Mortgage Data
Review & Overview
Pathways Financial Credit Union is a smaller credit union specializing in Home Purchase and Cash Out Refi loans. Pathways Financial Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Dayton, Maysville, Cincinnati, and Springfield among others. We have data for 18 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.
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Originations
171Origination Dollar Volume (All Markets)
$28,035,000Top 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) | 115 | $20,355,000 | $177,000 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 10 | $1,240,000 | $124,000 | $0 | 0.00% |
| Maysville, KY (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $0 | 0.00% |
| Outside of Metro Areas | 7 | $1,065,000 | $152,143 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $785,000 | $112,143 | $0 | 0.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 7 | $665,000 | $95,000 | $0 | 0.00% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $0 | 0.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Urbana, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Findlay, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| AKRON, OH (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 0.00% |
| Wooster, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| Marion, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $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 | 171 | $28,035,000 | $163,947 | $0 | 0.00% |
For 2022, Pathways Financial Credit Union's most frequently originated type of loan was Conventional, with 171 originations.
Loan Reason
For 2022, Pathways Financial Credit Union's most frequently cited loan purpose was Home Purchase, with 75 originations. The 2nd most popular reason was Cash Out Refi, with 66 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 171 | $28,035,000 | $163,947 | $0 | 0.00% |
For 2022, Pathways Financial Credit Union's most frequently cited loan duration was Other, with 171 originations.
Loan Sizing
2022 saw Pathways Financial Credit Union place emphasis on $100,000 or less loans with 63 originations, totaling $3,745,000 in origination value.
Applicant Income
Pathways Financial Credit Union lent most frequently to those with incomes in the $50k-75k range, with 48 originations. The second most popular income band? $100k-150k, with 34 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 171 | $28,035,000 | $163,947 | $0 | 0.00% |
Pathways Financial Credit Union lent most frequently to those with DTI ratios of Exempt%, with 171 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 161 | $27,325,000 | $169,720 | $0 | 0.00% |
| Black | 10 | $710,000 | $71,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications74.61%
Pathways Financial Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination54.97%
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 | 171 | $28,035,000 | $163,947 |