Northwest Farm Credit Services Flca Mortgage Rates, Fees & Info

Spokane, WA

LEI: 549300KDR80I1ELW8D36

Tax ID: 91-2006136

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

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Mortgage Data

Review & Overview

Northwest Farm Credit Services Flca is a smaller mortgage company specializing in Refi and Home Purchase loans. Northwest Farm Credit Services Flca has a high proportion of conventional loans. Their top markets by origination volume include: Portland, Rexburg, Seattle, Salem, and Albany among others. We have data for 66 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 an average 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% 3/24/24
30 Year Conventional Refi 7.39% 3/24/24
15 Year Conventional Purchase 6.80% 3/24/24
15 Year Conventional Refi 6.96% 3/24/24
15 Year Cash-out Refi 6.96% 3/24/24
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.

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

362

Origination Dollar Volume (All Markets)

$154,160,000

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
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 51 $22,005,000 $431,471 $6,862 4.48%
Rexburg, ID (FHA|USDA|VA) 3 $19,225,000 $6,408,333 $0 4.69%
Outside of Metro Areas 70 $18,920,000 $270,286 $5,379 4.43%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $7,445,000 $676,818 $8,703 4.16%
SALEM, OR (FHA|USDA|VA) 18 $5,890,000 $327,222 $6,790 4.20%
ALBANY-LEBANON, OR (FHA|USDA|VA) 15 $4,815,000 $321,000 $7,202 4.72%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 11 $4,355,000 $395,909 $7,868 3.96%
Centralia, WA (FHA|USDA|VA) 12 $4,090,000 $340,833 $5,987 4.31%
FRESNO, CA (FHA|USDA|VA) 4 $3,560,000 $890,000 $12,009 4.33%
VISALIA, CA (FHA|USDA|VA) 6 $3,110,000 $518,333 $9,355 4.57%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $2,740,000 $342,500 $6,437 4.34%
Klamath Falls, OR (FHA|USDA|VA) 7 $2,715,000 $387,857 $9,060 4.32%
BILLINGS, MT (FHA|USDA|VA) 10 $2,710,000 $271,000 $5,027 4.43%
Ellensburg, WA (FHA|USDA|VA) 2 $2,670,000 $1,335,000 $17,236 4.68%
MEDFORD, OR (FHA|USDA|VA) 4 $2,620,000 $655,000 $10,835 4.05%
BEND, OR (FHA|USDA|VA) 5 $2,535,000 $507,000 $8,272 3.86%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $2,375,000 $263,889 $5,097 4.51%
CHICO, CA (FHA|USDA|VA) 2 $2,360,000 $1,180,000 $28,614 5.00%
LOGAN, UT-ID (FHA|USDA|VA) 3 $2,195,000 $731,667 $11,542 3.98%
Hermiston-Pendleton, OR (FHA|USDA|VA) 8 $2,180,000 $272,500 $6,774 4.74%
Hood River, OR (FHA|USDA|VA) 3 $1,745,000 $581,667 $9,745 4.17%
Ontario, OR-ID (FHA|USDA|VA) 5 $1,715,000 $343,000 $6,680 4.24%
IDAHO FALLS, ID (FHA|USDA|VA) 5 $1,585,000 $317,000 $5,654 3.63%
Kalispell, MT (FHA|USDA|VA) 3 $1,555,000 $518,333 $8,404 5.27%
Prineville, OR (FHA|USDA|VA) 2 $1,540,000 $770,000 $12,784 4.93%
BELLINGHAM, WA (FHA|USDA|VA) 7 $1,495,000 $213,571 $3,546 5.09%
YAKIMA, WA (FHA|USDA|VA) 5 $1,485,000 $297,000 $5,700 4.29%
BOISE CITY, ID (FHA|USDA|VA) 7 $1,365,000 $195,000 $3,586 4.44%
MADERA, CA (FHA|USDA|VA) 2 $1,300,000 $650,000 $10,645 4.30%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,195,000 $398,333 $7,842 4.08%
CORVALLIS, OR (FHA|USDA|VA) 4 $1,140,000 $285,000 $5,341 4.29%
LONGVIEW, WA (FHA|USDA|VA) 3 $1,125,000 $375,000 $7,863 4.25%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,095,000 $365,000 $6,538 3.98%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $1,030,000 $515,000 $14,370 4.85%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $6,553 4.47%
La Grande, OR (FHA|USDA|VA) 2 $980,000 $490,000 $9,804 5.40%
Jackson, WY-ID (FHA|USDA|VA) 1 $965,000 $965,000 $18,042 3.65%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $955,000 $318,333 $2,424 3.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $925,000 $925,000 $14,832 3.25%
Port Angeles, WA (FHA|USDA|VA) 3 $875,000 $291,667 $5,418 4.63%
TWIN FALLS, ID (FHA|USDA|VA) 2 $850,000 $425,000 $7,994 3.98%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $765,000 $765,000 $10,733 5.75%
Roseburg, OR (FHA|USDA|VA) 4 $750,000 $187,500 $3,474 4.70%
Moses Lake, WA (FHA|USDA|VA) 2 $660,000 $330,000 $6,516 4.40%
Outside of Metro Areas 1 $605,000 $605,000 $9,225 4.20%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $505,000 $505,000 $10,010 4.80%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $465,000 $465,000 $7,612 3.75%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $455,000 $455,000 $9,631 4.10%
Heber, UT (FHA|USDA|VA) 1 $445,000 $445,000 $7,094 3.85%
The Dalles, OR (FHA|USDA|VA) 2 $420,000 $210,000 $4,582 5.45%
Mountain Home, ID (FHA|USDA|VA) 2 $420,000 $210,000 $6,825 4.08%
Sandpoint, ID (FHA|USDA|VA) 1 $405,000 $405,000 $8,701 3.55%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $8,558 3.55%
Aberdeen, WA (FHA|USDA|VA) 2 $380,000 $190,000 $3,021 3.10%
Pullman, WA (FHA|USDA|VA) 2 $380,000 $190,000 $3,772 3.53%
GREAT FALLS, MT (FHA|USDA|VA) 2 $350,000 $175,000 $2,972 4.40%
ANCHORAGE, AK (FHA|USDA|VA) 1 $315,000 $315,000 $9,165 3.90%
Astoria, OR (FHA|USDA|VA) 1 $305,000 $305,000 $6,080 4.00%
MERCED, CA (FHA|USDA|VA) 1 $305,000 $305,000 $5,215 4.30%
WALLA WALLA, WA (FHA|USDA|VA) 1 $305,000 $305,000 $5,971 5.35%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $285,000 $285,000 $4,832 4.95%
Craig, CO (FHA|USDA|VA) 1 $225,000 $225,000 $4,216 4.80%
Hailey, ID (FHA|USDA|VA) 1 $205,000 $205,000 $4,076 3.70%
PROVO-OREM, UT (FHA|USDA|VA) 1 $155,000 $155,000 $2,855 3.95%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $2,425 4.85%
Helena, MT (FHA|USDA|VA) 1 $95,000 $95,000 $2,216 4.40%
Northwest Farm Credit Services Flca's top markets include Portland, Rexburg, Seattle, Salem, and Albany among others.

Their top states include:
  • Oregon (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 362 $154,160,000 $425,856 $6,830 4.39%

    For 2019, Northwest Farm Credit Services Flca's most frequently originated type of loan was Conventional, with 362 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 181 $78,265,000 $432,403 $5,660 4.27%
    Home Purchase 166 $70,620,000 $425,422 $8,045 4.51%
    Home Improvement 15 $5,275,000 $351,667 $7,559 4.52%

    For 2019, Northwest Farm Credit Services Flca's most frequently cited loan purpose was Refi, with 181 originations. The 2nd most popular reason was Home Purchase, with 166 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 248 $105,200,000 $424,194 $7,525 4.34%
    15 Year 61 $17,425,000 $285,656 $4,578 4.03%
    20 Year 20 $21,590,000 $1,079,500 $5,026 4.34%
    Other 20 $7,050,000 $352,500 $8,448 5.09%
    10 Year 13 $2,895,000 $222,692 $4,400 6.08%

    For 2019, Northwest Farm Credit Services Flca's most frequently cited loan duration was 30 Year, with 248 originations. The 2nd most popular length was 15 Year, with 61 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 108 $71,270,000 $659,907
    $2k-3k 66 $15,740,000 $238,485
    $1k-2k 61 $9,865,000 $161,721
    $3k-4k 52 $18,350,000 $352,885
    $4k-5k 36 $14,780,000 $410,556
    $<1k 35 $4,875,000 $139,286

    Northwest Farm Credit Services Flca's average total fees were $7,525, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 108 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 183 $87,985,000 $480,792
    3-4% 120 $44,180,000 $368,167
    5-6% 47 $16,865,000 $358,830
    6-7% 11 $2,785,000 $253,182
    2.5-3% 1 $2,345,000 $2,345,000

    During 2019, Northwest Farm Credit Services Flca's average interest rate for loans was 4.34%, while their most frequently originated rate bucket for loans was 4-5%, with 183 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 149 $43,325,000 $290,772 $5,864 4.43%
    $100k-200k 63 $9,595,000 $152,302 $3,261 4.44%
    $400k-600k 63 $30,725,000 $487,698 $8,955 4.20%
    $600k-1MM 43 $31,185,000 $725,233 $11,574 4.40%
    $100,000 or less 29 $2,075,000 $71,552 $2,007 4.52%
    $1MM+ 15 $37,255,000 $2,483,667 $20,371 4.30%

    2019 saw Northwest Farm Credit Services Flca place emphasis on $200k-400k loans with 149 originations, totaling $43,325,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 102 $38,220,000 $374,706 $7,116 4.29%
    $250k+ 92 $55,730,000 $605,761 $9,751 4.45%
    $100k-150k 68 $20,150,000 $296,324 $5,606 4.56%
    $75k-100k 44 $11,080,000 $251,818 $5,047 4.26%
    $50k-75k 34 $7,240,000 $212,941 $4,920 4.47%
    $50k or less 19 $2,875,000 $151,316 $3,159 3.99%

    Northwest Farm Credit Services Flca lent most frequently to those with incomes in the $150k-250k range, with 102 originations. The second most popular income band? $250k+, with 92 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 108 $42,820,000 $396,481 $7,431 4.40%
    30-36% 107 $41,545,000 $388,271 $6,982 4.37%
    <20% 75 $25,475,000 $339,667 $6,414 4.46%
    >60% 25 $6,735,000 $269,400 $4,870 4.47%
    50-60% 10 $7,120,000 $712,000 $9,505 3.93%
    37% 7 $2,815,000 $402,143 $6,742 4.45%
    36% 4 $1,030,000 $257,500 $4,507 3.96%
    42% 4 $530,000 $132,500 $3,079 3.86%
    48% 4 $2,000,000 $500,000 $8,734 4.24%
    38% 3 $715,000 $238,333 $4,997 4.30%
    40% 3 $1,105,000 $368,333 $5,051 4.30%
    39% 2 $380,000 $190,000 $5,517 4.58%
    49% 2 $590,000 $295,000 $6,159 4.05%
    46% 1 $305,000 $305,000 $5,971 5.35%
    41% 1 $75,000 $75,000 $2,251 3.25%
    44% 1 $515,000 $515,000 $9,731 4.80%
    47% 1 $425,000 $425,000 $11,952 4.85%

    Northwest Farm Credit Services Flca lent most frequently to those with DTI ratios of 20-30%, with 108 originations. The next most common DTI ratio? 30-36%, with 107 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 257 $99,235,000 $386,128 $6,923 4.37%
    Not provided 96 $35,400,000 $368,750 $6,627 4.46%
    Not applicable 2 $16,860,000 $8,430,000 $7,262 5.13%
    Asian 3 $1,145,000 $381,667 $5,710 3.90%
    American Indian 3 $905,000 $301,667 $5,310 3.92%
    Black 1 $615,000 $615,000 $9,503 3.65%

    Approval Rates

    Total approvals of all applications
    79.37%

    Northwest Farm Credit Services Flca has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    47.79%

    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 362 $154,160,000 $425,856

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $18,110,000 $9,055,000
    Single Family (1-4 Units):Manufactured 58 $11,380,000 $196,207
    Single Family (1-4 Units):Site-Built 302 $124,670,000 $412,815

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 56 $12,290,000 $219,464 $4,018 4.31%
    40-60% 72 $26,070,000 $362,083 $7,302 4.38%
    60-80% 164 $86,900,000 $529,878 $7,508 4.39%
    80-100% 53 $26,475,000 $499,528 $8,079 4.41%
    Under 20% 17 $2,425,000 $142,647 $3,453 4.60%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    NORTHWEST BANCSHARES INC Other type of mortgage Trouble during payment process 1 100.0%