Northwest Farm Credit Services Flca Mortgage Rates, Fees & Info
Spokane, WALEI: 549300KDR80I1ELW8D36
Tax ID: 91-2006136
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Northwest Farm Credit Services Flca is a smaller mortgage company specializing in Home Purchase and Refi loans. Northwest Farm Credit Services Flca has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Salem, Albany, Modesto, and Bend among others. We have data for 92 markets. (Some data included below & more in-depth data is available with an active subscription.)Northwest Farm Credit Services Flca 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. Northwest Farm Credit Services Flca is typically a high 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.39% | 9/18/23 |
| 30 Year Conventional Refi | 7.39% | 9/18/23 |
| 15 Year Conventional Purchase | 6.80% | 9/18/23 |
| 15 Year Conventional Refi | 6.96% | 9/18/23 |
| 15 Year Cash-out Refi | 6.96% | 9/18/23 |
| 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. | ||
Northwest Farm Credit Services Flca Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Northwest Farm Credit Services Flca. 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
360Origination Dollar Volume (All Markets)
$204,440,000Relative Rate
Northwest Farm Credit Services Flca's average 30 year fixed mortgage rate was
5.14%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.38%.
Relative Fees (Closing Costs)
Northwest Farm Credit Services Flca's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,064.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 62 | $31,090,000 | $501,452 | $9,116 | 5.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 32 | $19,960,000 | $623,750 | $10,519 | 5.15% |
| SALEM, OR (FHA|USDA|VA) | 21 | $12,075,000 | $575,000 | $10,710 | 5.28% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 17 | $7,575,000 | $445,588 | $8,100 | 5.28% |
| MODESTO, CA (FHA|USDA|VA) | 8 | $6,690,000 | $836,250 | $11,995 | 4.29% |
| BEND, OR (FHA|USDA|VA) | 7 | $6,355,000 | $907,857 | $13,417 | 4.99% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $6,265,000 | $895,000 | $15,400 | 5.09% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 13 | $5,675,000 | $436,538 | $7,977 | 5.74% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $5,420,000 | $903,333 | $14,337 | 5.08% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $5,300,000 | $1,325,000 | $19,485 | 4.95% |
| BOISE CITY, ID (FHA|USDA|VA) | 12 | $4,630,000 | $385,833 | $8,806 | 4.97% |
| MEDFORD, OR (FHA|USDA|VA) | 6 | $4,530,000 | $755,000 | $12,813 | 5.59% |
| WENATCHEE, WA (FHA|USDA|VA) | 5 | $4,405,000 | $881,000 | $14,757 | 5.24% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 8 | $4,080,000 | $510,000 | $7,761 | 4.76% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $3,805,000 | $543,571 | $11,339 | 4.92% |
| YAKIMA, WA (FHA|USDA|VA) | 7 | $3,675,000 | $525,000 | $7,650 | 4.81% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $3,320,000 | $830,000 | $15,941 | 5.75% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $3,130,000 | $1,565,000 | $22,019 | 4.83% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $47,163 | 4.35% |
| Ellensburg, WA (FHA|USDA|VA) | 4 | $2,920,000 | $730,000 | $10,818 | 4.34% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 4 | $2,920,000 | $730,000 | $13,014 | 5.13% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $2,705,000 | $2,705,000 | $39,833 | 3.95% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 7 | $2,585,000 | $369,286 | $7,465 | 4.84% |
| Durango, CO (FHA|USDA|VA) | 2 | $2,210,000 | $1,105,000 | $14,405 | 4.18% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $2,105,000 | $2,105,000 | $22,230 | 6.00% |
| Moses Lake, WA (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $9,476 | 4.53% |
| MADERA, CA (FHA|USDA|VA) | 2 | $2,050,000 | $1,025,000 | $19,255 | 5.10% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $26,747 | 5.25% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $1,770,000 | $885,000 | $12,013 | 4.75% |
| La Grande, OR (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $9,558 | 4.92% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $9,300 | 4.78% |
| Mountain Home, ID (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $13,998 | 4.55% |
| Klamath Falls, OR (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $5,355 | 5.82% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $17,259 | 4.00% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $1,275,000 | $1,275,000 | $18,872 | 4.85% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $12,804 | 3.65% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $27,338 | 3.45% |
| Centralia, WA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $6,511 | 4.82% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $7,190 | 5.95% |
| REDDING, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $13,892 | 4.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $18,647 | 6.35% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $11,364 | 7.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $8,093 | 3.83% |
| CHICO, CA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $6,790 | 6.18% |
| Roseburg, OR (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,301 | 4.92% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $12,183 | 6.20% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $4,383 | 6.42% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,192 | 6.05% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $16,860 | 6.20% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $11,256 | 7.60% |
| Ontario, OR-ID (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,915 | 4.14% |
| Prineville, OR (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,215 | 6.30% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $3,686 | 4.23% |
| Burley, ID (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,798 | 4.30% |
| Newport, OR (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $18,201 | 5.45% |
| The Dalles, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,996 | 5.28% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $13,186 | 5.15% |
| Hailey, ID (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $10,563 | 5.65% |
| Hood River, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $7,613 | 5.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $17,249 | 5.95% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $7,907 | 4.60% |
| Fallon, NV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,027 | 4.05% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $10,594 | 3.45% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,487 | 3.45% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $8,730 | 3.70% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,950 | 6.88% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,570 | 5.60% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,753 | 5.45% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,529 | 5.95% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,884 | 5.83% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,010 | 4.15% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,553 | 5.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,947 | 3.80% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,389 | 5.50% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,173 | 5.00% |
| Pullman, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,135 | 5.70% |
| Winfield, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,660 | 6.35% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,789 | 5.95% |
| Outside of Metro Areas | 1 | $255,000 | $255,000 | $5,372 | 6.65% |
| Montrose, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,182 | 3.60% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,678 | 4.40% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,289 | 6.35% |
| Payson, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,416 | 5.55% |
| Heber, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,842 | 6.30% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,775 | 3.20% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,335 | 4.25% |
| Helena, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,076 | 6.05% |
| MERCED, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,831 | 4.40% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,815 | 5.65% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,465 | 4.55% |
| Shelton, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,485 | 7.15% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,653 | 3.85% |
Similar Lenders
We use machine learning to identify the top lenders compared against Northwest Farm Credit Services FLCA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 172
Similarity Rank: 249
Similarity Rank: 315
Similarity Rank: 440
Similarity Rank: 962
Similarity Rank: 1010
Similarity Rank: 1065
Similarity Rank: 1088
Similarity Rank: 1392
Similarity Rank: 1532
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 360 | $204,440,000 | $567,889 | $9,922 | 5.14% |
For 2022, Northwest Farm Credit Services Flca's most frequently originated type of loan was Conventional, with 360 originations.
Loan Reason
For 2022, Northwest Farm Credit Services Flca's most frequently cited loan purpose was Home Purchase, with 208 originations. The 2nd most popular reason was Refi, with 137 originations.
Loan Duration/Length
For 2022, Northwest Farm Credit Services Flca's most frequently cited loan duration was 30 Year, with 277 originations. The 2nd most popular length was 15 Year, with 45 originations.
Origination Fees/Closing Costs
Northwest Farm Credit Services Flca's average total fees were $11,064, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 181 originations.
Interest Rates
During 2022, Northwest Farm Credit Services Flca's average interest rate for loans was 5.14%, while their most frequently originated rate bucket for loans was 5-6%, with 107 originations.
Loan Sizing
2022 saw Northwest Farm Credit Services Flca place emphasis on $200k-400k loans with 103 originations, totaling $29,105,000 in origination value.
Applicant Income
Northwest Farm Credit Services Flca lent most frequently to those with incomes in the $250k+ range, with 148 originations. The second most popular income band? $150k-250k, with 93 originations.
Applicant Debt to Income Ratio
Northwest Farm Credit Services Flca lent most frequently to those with DTI ratios of 20-30%, with 122 originations. The next most common DTI ratio? 30-36%, with 102 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.24%
Northwest Farm Credit Services Flca has a below average approval rate.
Pick Rate
Approvals leading to origination43.33%
Northwest Farm Credit Services Flca 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 |
|---|---|---|---|
| NA | 360 | $204,440,000 | $567,889 |