Lower Columbia Longshoremen's Federal Credit Union Mortgage Rates, Fees & Info

Longview, WA

LEI: 5493004UNJQCCNMHSR95

Tax ID: 91-0633064

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Lower Columbia Longshoremen's Federal Credit Union is a smaller credit union specializing in Cash Out Refi, Refi, and Home Purchase loans. Lower Columbia Longshoremen's Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Longview, Portland, and Centralia among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Lower Columbia Longshoremen's Federal Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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    Originations

    60

    Origination Dollar Volume (All Markets)

    $7,750,000

    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
    LONGVIEW, WA (FHA|USDA|VA) 48 $6,030,000 $125,625 $0 0.00%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $840,000 $140,000 $0 0.00%
    Outside of Metro Areas 4 $660,000 $165,000 $0 0.00%
    Centralia, WA (FHA|USDA|VA) 2 $220,000 $110,000 $0 0.00%
    Lower Columbia Longshoremen's Federal Credit Union's top markets include Longview, Portland, and Centralia among others.

    Their top states include:
  • Washington (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 60 $7,750,000 $129,167 $0 0.00%

    For 2018, Lower Columbia Longshoremen's Federal Credit Union's most frequently originated type of loan was Conventional, with 60 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 29 $3,475,000 $119,828 $0 0.00%
    Refi 19 $2,555,000 $134,474 $0 0.00%
    Home Purchase 12 $1,720,000 $143,333 $0 0.00%

    For 2018, Lower Columbia Longshoremen's Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 29 originations. The 2nd most popular reason was Refi, with 19 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 60 $7,750,000 $129,167 $0 0.00%

    For 2018, Lower Columbia Longshoremen's Federal Credit Union's most frequently cited loan duration was Other, with 60 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 28 $3,970,000 $141,786 $0 0.00%
    $100,000 or less 21 $995,000 $47,381 $0 0.00%
    $200k-400k 11 $2,785,000 $253,182 $0 0.00%

    2018 saw Lower Columbia Longshoremen's Federal Credit Union place emphasis on $100k-200k loans with 28 originations, totaling $3,970,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 22 $3,230,000 $146,818 $0 0.00%
    $150k-250k 14 $1,690,000 $120,714 $0 0.00%
    $50k-75k 9 $1,015,000 $112,778 $0 0.00%
    $75k-100k 9 $1,095,000 $121,667 $0 0.00%
    $50k or less 5 $565,000 $113,000 $0 0.00%
    $250k+ 1 $155,000 $155,000 $0 0.00%

    Lower Columbia Longshoremen's Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 22 originations. The second most popular income band? $150k-250k, with 14 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 60 $7,750,000 $129,167 $0 0.00%

    Lower Columbia Longshoremen's Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 60 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 55 $7,245,000 $131,727 $0 0.00%
    American Indian 5 $505,000 $101,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    94.94%

    Lower Columbia Longshoremen's Federal Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    93.33%

    Lower Columbia Longshoremen's Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 60 $7,750,000 $129,167

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 10 $1,270,000 $127,000
    Single Family (1-4 Units):Site-Built 50 $6,480,000 $129,600