Northwest Farm Credit Services Flca Mortgage Rates, Fees & Info
Spokane, WALEI: 549300KDR80I1ELW8D36
Tax ID: 91-2006136
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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, Eugene, Salem, Seattle, and Stockton among others. We have data for 94 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.39% | 4/21/24 |
| 30 Year Conventional Refi | 7.39% | 4/21/24 |
| 15 Year Conventional Purchase | 6.80% | 4/21/24 |
| 15 Year Conventional Refi | 6.96% | 4/21/24 |
| 15 Year Cash-out Refi | 6.96% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
625Origination Dollar Volume (All Markets)
$295,585,000Top 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 | 102 | $37,710,000 | $369,706 | $7,019 | 3.48% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 71 | $33,795,000 | $475,986 | $8,280 | 3.28% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 29 | $14,455,000 | $498,448 | $9,442 | 3.60% |
| SALEM, OR (FHA|USDA|VA) | 30 | $11,210,000 | $373,667 | $7,210 | 3.30% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 22 | $10,850,000 | $493,182 | $8,240 | 3.12% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $9,855,000 | $895,909 | $12,910 | 3.03% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 23 | $8,865,000 | $385,435 | $6,684 | 3.52% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 23 | $8,295,000 | $360,652 | $7,479 | 3.40% |
| MODESTO, CA (FHA|USDA|VA) | 9 | $7,855,000 | $872,778 | $15,679 | 3.24% |
| Hood River, OR (FHA|USDA|VA) | 10 | $7,500,000 | $750,000 | $13,135 | 3.24% |
| VISALIA, CA (FHA|USDA|VA) | 10 | $7,170,000 | $717,000 | $11,797 | 3.30% |
| BEND, OR (FHA|USDA|VA) | 7 | $6,645,000 | $949,286 | $13,400 | 3.64% |
| BELLINGHAM, WA (FHA|USDA|VA) | 10 | $5,730,000 | $573,000 | $8,820 | 3.18% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $5,685,000 | $1,895,000 | $23,924 | 3.70% |
| Bozeman, MT (FHA|USDA|VA) | 5 | $5,175,000 | $1,035,000 | $13,038 | 3.43% |
| MADERA, CA (FHA|USDA|VA) | 3 | $4,605,000 | $1,535,000 | $22,430 | 3.38% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 13 | $4,535,000 | $348,846 | $7,305 | 3.39% |
| MERCED, CA (FHA|USDA|VA) | 5 | $4,255,000 | $851,000 | $15,435 | 3.46% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $3,975,000 | $795,000 | $13,360 | 3.53% |
| Hilo, HI (FHA|USDA|VA) | 4 | $3,270,000 | $817,500 | $12,174 | 3.21% |
| Centralia, WA (FHA|USDA|VA) | 7 | $3,035,000 | $433,571 | $6,424 | 3.48% |
| WENATCHEE, WA (FHA|USDA|VA) | 8 | $2,970,000 | $371,250 | $6,461 | 3.15% |
| LOGAN, UT-ID (FHA|USDA|VA) | 4 | $2,610,000 | $652,500 | $8,736 | 3.18% |
| Ontario, OR-ID (FHA|USDA|VA) | 9 | $2,575,000 | $286,111 | $5,173 | 3.27% |
| MEDFORD, OR (FHA|USDA|VA) | 7 | $2,565,000 | $366,429 | $8,401 | 3.72% |
| Prineville, OR (FHA|USDA|VA) | 5 | $2,555,000 | $511,000 | $9,605 | 3.54% |
| The Dalles, OR (FHA|USDA|VA) | 6 | $2,540,000 | $423,333 | $8,849 | 3.76% |
| Pullman, WA (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $5,440 | 2.96% |
| Roseburg, OR (FHA|USDA|VA) | 6 | $2,410,000 | $401,667 | $9,067 | 3.63% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $2,285,000 | $761,667 | $18,606 | 3.80% |
| YAKIMA, WA (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $6,500 | 3.15% |
| BOISE CITY, ID (FHA|USDA|VA) | 11 | $2,175,000 | $197,727 | $4,125 | 3.21% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $2,160,000 | $1,080,000 | $16,313 | 3.45% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 6 | $2,150,000 | $358,333 | $5,877 | 3.23% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $2,130,000 | $1,065,000 | $14,008 | 3.48% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $2,110,000 | $1,055,000 | $13,767 | 3.03% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $2,110,000 | $527,500 | $9,053 | 3.23% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $2,080,000 | $1,040,000 | $12,063 | 2.93% |
| CORVALLIS, OR (FHA|USDA|VA) | 5 | $2,015,000 | $403,000 | $8,090 | 2.96% |
| Moses Lake, WA (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $6,224 | 3.02% |
| TWIN FALLS, ID (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $7,153 | 3.18% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $7,304 | 3.02% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $9,315 | 3.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $1,655,000 | $1,655,000 | $27,277 | 3.35% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $14,636 | 3.05% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $6,119 | 3.21% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $7,430 | 3.23% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $10,248 | 3.33% |
| Klamath Falls, OR (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $8,297 | 3.80% |
| Sandpoint, ID (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $9,257 | 3.50% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $8,199 | 3.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $25,996 | 3.20% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $1,385,000 | $1,385,000 | $20,459 | 3.80% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $6,381 | 3.45% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $8,215 | 3.17% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $16,610 | 3.90% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,854 | 3.31% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $4,318 | 3.53% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $23,535 | 3.75% |
| Burley, ID (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,811 | 3.10% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $11,500 | 3.85% |
| La Grande, OR (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $4,252 | 3.40% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $5,812 | 3.40% |
| Othello, WA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $9,064 | 2.65% |
| WALLA WALLA, WA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,965 | 3.40% |
| Durango, CO (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $7,590 | 4.18% |
| Hailey, ID (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,930 | 3.32% |
| Blackfoot, ID (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,799 | 3.13% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $14,006 | 3.30% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,802 | 2.98% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,618 | 2.98% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $10,035 | 3.35% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $8,490 | 4.15% |
| CHICO, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $12,946 | 3.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,659 | 3.10% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $9,057 | 3.60% |
| Fallon, NV (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $9,744 | 3.55% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,349 | 3.15% |
| Vernal, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $8,743 | 3.40% |
| Dodge City, KS (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,273 | 3.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,927 | 3.10% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $9,065 | 3.70% |
| Salina, KS (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $1,976 | 3.30% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,489 | 3.45% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,438 | 2.90% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,262 | 3.30% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,055 | 2.85% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,155 | 2.70% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,074 | 3.55% |
| Helena, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,426 | 2.65% |
| Elko, NV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,896 | 3.35% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,071 | 2.40% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,534 | 3.95% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,710 | 3.65% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 625 | $295,585,000 | $472,936 | $8,371 | 3.35% |
For 2020, Northwest Farm Credit Services Flca's most frequently originated type of loan was Conventional, with 625 originations.
Loan Reason
For 2020, Northwest Farm Credit Services Flca's most frequently cited loan purpose was Refi, with 305 originations. The 2nd most popular reason was Home Purchase, with 284 originations.
Loan Duration/Length
For 2020, Northwest Farm Credit Services Flca's most frequently cited loan duration was 30 Year, with 444 originations. The 2nd most popular length was 15 Year, with 136 originations.
Origination Fees/Closing Costs
Northwest Farm Credit Services Flca's average total fees were $9,624, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 279 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 411 | $202,455,000 | $492,591 |
| 2.5-3% | 149 | $64,415,000 | $432,315 |
| 4-5% | 50 | $23,980,000 | $479,600 |
| <2.5% | 13 | $4,095,000 | $315,000 |
| 5-6% | 2 | $640,000 | $320,000 |
During 2020, Northwest Farm Credit Services Flca's average interest rate for loans was 3.41%, while their most frequently originated rate bucket for loans was 3-4%, with 411 originations.
Loan Sizing
2020 saw Northwest Farm Credit Services Flca place emphasis on $200k-400k loans with 213 originations, totaling $62,055,000 in origination value.
Applicant Income
Northwest Farm Credit Services Flca lent most frequently to those with incomes in the $250k+ range, with 184 originations. The second most popular income band? $150k-250k, with 179 originations.
Applicant Debt to Income Ratio
Northwest Farm Credit Services Flca lent most frequently to those with DTI ratios of 20-30%, with 212 originations. The next most common DTI ratio? 30-36%, with 185 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.53%
Northwest Farm Credit Services Flca has a below average approval rate.
Pick Rate
Approvals leading to origination42.56%
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 | 625 | $295,585,000 | $472,936 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 70 | $21,670,000 | $309,571 |
| Single Family (1-4 Units):Site-Built | 555 | $273,915,000 | $493,541 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| NORTHWEST BANCSHARES INC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| NORTHWEST BANCSHARES INC | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |