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 Improvement 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 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

    51

    Origination Dollar Volume (All Markets)

    $7,175,000

    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) 35 $4,495,000 $128,429 $0 0.00%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $1,500,000 $187,500 $0 0.00%
    Centralia, WA (FHA|USDA|VA) 5 $1,005,000 $201,000 $0 0.00%
    Outside of Metro Areas 3 $175,000 $58,333 $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 51 $7,175,000 $140,686 $0 0.00%

    For 2019, Lower Columbia Longshoremen's Federal Credit Union's most frequently originated type of loan was Conventional, with 51 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 18 $2,340,000 $130,000 $0 0.00%
    Refi 16 $1,840,000 $115,000 $0 0.00%
    Home Improvement 10 $1,700,000 $170,000 $0 0.00%
    Home Purchase 7 $1,295,000 $185,000 $0 0.00%

    For 2019, Lower Columbia Longshoremen's Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 18 originations. The 2nd most popular reason was Refi, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 51 $7,175,000 $140,686 $0 0.00%

    For 2019, Lower Columbia Longshoremen's Federal Credit Union's most frequently cited loan duration was Other, with 51 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 23 $3,515,000 $152,826 $0 0.00%
    $100,000 or less 19 $1,005,000 $52,895 $0 0.00%
    $200k-400k 8 $2,210,000 $276,250 $0 0.00%
    $400k-600k 1 $445,000 $445,000 $0 0.00%

    2019 saw Lower Columbia Longshoremen's Federal Credit Union place emphasis on $100k-200k loans with 23 originations, totaling $3,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 12 $1,830,000 $152,500 $0 0.00%
    $50k or less 11 $1,295,000 $117,727 $0 0.00%
    $100k-150k 10 $1,820,000 $182,000 $0 0.00%
    $50k-75k 9 $1,045,000 $116,111 $0 0.00%
    $75k-100k 7 $875,000 $125,000 $0 0.00%
    $250k+ 2 $310,000 $155,000 $0 0.00%

    Lower Columbia Longshoremen's Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 12 originations. The second most popular income band? $50k or less, with 11 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 51 $7,175,000 $140,686 $0 0.00%

    Lower Columbia Longshoremen's Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 51 $7,175,000 $140,686 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.19%

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

    Pick Rate

    Approvals leading to origination
    70.59%

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

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 51 $7,175,000 $140,686

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 13 $1,825,000 $140,385
    Single Family (1-4 Units):Site-Built 38 $5,350,000 $140,789