Columbia Community Credit Union Mortgage Rates, Fees & Info
Vancouver, WALEI: 5493000D6RXLNBZQYA47
Tax ID: 91-0617775
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Mortgage Data
Review & Overview
Columbia Community Credit Union is a smaller credit union specializing in Refi, Cash Out Refi, and Home Purchase loans. Columbia Community 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: Portland, Longview, Seattle, Spokane, and Salem among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)Columbia Community 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. Columbia Community Credit Union is typically a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 4.23% | 9/1/24 |
30 Year Conventional Purchase | 6.28% | 9/1/24 |
30 Year Conventional Refi | 6.50% | 9/1/24 |
30 Year Cash-out Refi | 6.72% | 9/1/24 |
30 Year FHA Purchase | 7.02% | 9/1/24 |
30 Year FHA Refi | 6.27% | 9/1/24 |
15 Year Conventional Purchase | 6.16% | 9/1/24 |
15 Year Conventional Refi | 6.28% | 9/1/24 |
15 Year Cash-out Refi | 6.28% | 9/1/24 |
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. |
Columbia Community Credit Union Mortgage Calculator
Your Estimates
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This is not an official calculator from Columbia Community Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,060Origination Dollar Volume (All Markets)
$390,750,000COLUMBIA COMMUNITY CREDIT UNION - 2021
COLUMBIA COMMUNITY CREDIT UNION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 1,873 | $345,355,000 | $184,386 | $3,036 | 2.73% |
LONGVIEW, WA (FHA|USDA|VA) | 75 | $16,665,000 | $222,200 | $4,322 | 2.87% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 34 | $6,250,000 | $183,824 | $2,530 | 2.90% |
Outside of Metro Areas | 16 | $6,020,000 | $376,250 | $4,426 | 3.08% |
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $3,190,000 | $797,500 | $0 | 2.78% |
SALEM, OR (FHA|USDA|VA) | 4 | $2,590,000 | $647,500 | $3,977 | 2.84% |
Centralia, WA (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $3,459 | 2.79% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $3,764 | 3.00% |
Astoria, OR (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $0 | 3.94% |
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,102 | 2.79% |
Newport, OR (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 3.88% |
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $2,268 | 2.28% |
BEND, OR (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $3,685 | 3.19% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 3.13% |
Cedar City, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,586 | 3.13% |
BOISE CITY, ID (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,521 | 2.88% |
TUCSON, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,932 | 3.38% |
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,864 | 3.25% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,546 | 2.38% |
Aberdeen, WA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,085 | 2.43% |
The Dalles, OR (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $0 | 2.29% |
Shelton, WA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,367 | 2.43% |
LINCOLN, NE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,799 | 3.50% |
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,013 | 3.00% |
Roseburg, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,874 | 3.38% |
Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,408 | 3.00% |
Outside of Metro Areas | 1 | $145,000 | $145,000 | $0 | 3.00% |
Pullman, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,279 | 2.25% |
WENATCHEE, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.00% |
Hood River, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
Klamath Falls, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
YAKIMA, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against COLUMBIA COMMUNITY 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
For 2021, Columbia Community Credit Union's most frequently originated type of loan was Conventional, with 1,110 originations. Their 2nd most popular type was HELOC, with 933 originations.
Loan Reason
For 2021, Columbia Community Credit Union's most frequently cited loan purpose was Home Improvement, with 666 originations. The 2nd most popular reason was Refi, with 533 originations.
Loan Duration/Length
For 2021, Columbia Community Credit Union's most frequently cited loan duration was Other, with 950 originations. The 2nd most popular length was 30 Year, with 708 originations.
Origination Fees/Closing Costs
Columbia Community Credit Union's average total fees were $3,642, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 678 originations.
Interest Rates
During 2021, Columbia Community Credit Union's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was <2.5%, with 989 originations.
Loan Sizing
2021 saw Columbia Community Credit Union place emphasis on $100,000 or less loans with 854 originations, totaling $44,570,000 in origination value.
Applicant Income
Columbia Community Credit Union lent most frequently to those with incomes in the $100k-150k range, with 592 originations. The second most popular income band? $75k-100k, with 402 originations.
Applicant Debt to Income Ratio
Columbia Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 476 originations. The next most common DTI ratio? 30-36%, with 381 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.20%
Columbia Community Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination75.58%
Columbia Community Credit Union has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 2,060 | $390,750,000 | $189,684 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
COLUMBIA BANKING SYSTEM, INC. | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
COLUMBIA BANKING SYSTEM, INC. | Other type of mortgage | Trouble during payment process | 1 | 50.0% |