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 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, Modesto, Eugene, and Bend among others. We have data for 99 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
507Origination Dollar Volume (All Markets)
$265,095,000Top 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 | 109 | $48,195,000 | $442,156 | $8,288 | 3.48% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 49 | $28,255,000 | $576,633 | $9,732 | 3.52% |
| SALEM, OR (FHA|USDA|VA) | 35 | $16,735,000 | $478,143 | $8,535 | 3.46% |
| MODESTO, CA (FHA|USDA|VA) | 11 | $11,685,000 | $1,062,273 | $15,912 | 3.27% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 16 | $8,310,000 | $519,375 | $9,081 | 3.64% |
| BEND, OR (FHA|USDA|VA) | 10 | $6,790,000 | $679,000 | $10,665 | 3.35% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $6,265,000 | $1,253,000 | $20,362 | 3.35% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 10 | $5,550,000 | $555,000 | $10,075 | 3.48% |
| BELLINGHAM, WA (FHA|USDA|VA) | 8 | $4,530,000 | $566,250 | $8,728 | 3.21% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $4,065,000 | $1,355,000 | $22,570 | 3.42% |
| WENATCHEE, WA (FHA|USDA|VA) | 9 | $3,955,000 | $439,444 | $7,281 | 3.57% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 13 | $3,945,000 | $303,462 | $5,547 | 3.72% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $3,850,000 | $641,667 | $11,430 | 3.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $3,835,000 | $547,857 | $10,353 | 3.60% |
| Heber, UT (FHA|USDA|VA) | 3 | $3,655,000 | $1,218,333 | $18,070 | 3.15% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 7 | $3,265,000 | $466,429 | $9,718 | 3.18% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $3,230,000 | $1,615,000 | $27,603 | 3.55% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 9 | $3,135,000 | $348,333 | $6,318 | 3.46% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $3,125,000 | $625,000 | $10,016 | 3.81% |
| Prineville, OR (FHA|USDA|VA) | 7 | $3,125,000 | $446,429 | $7,716 | 3.56% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $2,860,000 | $1,430,000 | $24,555 | 3.15% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $2,795,000 | $931,667 | $17,701 | 3.20% |
| NAPA, CA (FHA|USDA|VA) | 1 | $2,625,000 | $2,625,000 | $30,969 | 3.50% |
| LOGAN, UT-ID (FHA|USDA|VA) | 3 | $2,575,000 | $858,333 | $10,306 | 3.55% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $6,135 | 3.74% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,395,000 | $798,333 | $13,549 | 3.47% |
| MERCED, CA (FHA|USDA|VA) | 5 | $2,345,000 | $469,000 | $9,007 | 3.60% |
| Sandpoint, ID (FHA|USDA|VA) | 6 | $2,320,000 | $386,667 | $7,595 | 3.48% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $2,210,000 | $1,105,000 | $17,395 | 3.53% |
| Klamath Falls, OR (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $6,041 | 3.74% |
| BILLINGS, MT (FHA|USDA|VA) | 6 | $2,120,000 | $353,333 | $6,888 | 3.64% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $10,290 | 3.75% |
| Roseburg, OR (FHA|USDA|VA) | 5 | $2,035,000 | $407,000 | $8,161 | 3.79% |
| Hilo, HI (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $26,442 | 3.40% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 4 | $1,950,000 | $487,500 | $7,177 | 3.35% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,875,000 | $625,000 | $8,930 | 3.28% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $1,855,000 | $618,333 | $10,040 | 3.57% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,815,000 | $605,000 | $9,992 | 3.47% |
| Centralia, WA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $7,943 | 3.81% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $1,750,000 | $875,000 | $15,033 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $7,823 | 3.11% |
| Moses Lake, WA (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $4,768 | 3.34% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $1,655,000 | $551,667 | $11,339 | 3.68% |
| Blackfoot, ID (FHA|USDA|VA) | 2 | $1,610,000 | $805,000 | $7,633 | 3.55% |
| CHICO, CA (FHA|USDA|VA) | 2 | $1,540,000 | $770,000 | $11,019 | 3.85% |
| Outside of Metro Areas | 1 | $1,405,000 | $1,405,000 | $20,618 | 3.45% |
| Shelton, WA (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $9,389 | 3.40% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $14,782 | 3.33% |
| Ontario, OR-ID (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $5,792 | 3.64% |
| Burley, ID (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $7,115 | 3.27% |
| CORVALLIS, OR (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $4,916 | 3.50% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $11,532 | 4.45% |
| Hood River, OR (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $8,902 | 3.48% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $5,819 | 3.50% |
| Elko, NV (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $7,829 | 3.55% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $13,597 | 3.10% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $15,737 | 3.35% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $6,422 | 3.45% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $11,708 | 3.20% |
| La Grande, OR (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $14,583 | 3.75% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $12,434 | 3.55% |
| REDDING, CA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,820 | 3.30% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $12,408 | 3.70% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $8,982 | 3.45% |
| Bozeman, MT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $6,220 | 3.85% |
| Helena, MT (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $6,591 | 3.35% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $6,631 | 3.35% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $13,779 | 3.25% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,417 | 3.85% |
| MADERA, CA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,000 | 3.88% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,071 | 3.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $9,206 | 3.05% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,588 | 3.08% |
| WALLA WALLA, WA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,963 | 3.55% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $11,885 | 3.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $11,011 | 3.15% |
| Othello, WA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $5,211 | 3.50% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,713 | 2.83% |
| Astoria, OR (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $8,917 | 2.60% |
| Moscow, ID (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,310 | 3.43% |
| The Dalles, OR (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,159 | 3.68% |
| Fallon, NV (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,967 | 3.38% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,246 | 3.65% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $7,231 | 4.40% |
| Pullman, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,684 | 3.43% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,915 | 3.45% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,119 | 3.85% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,117 | 3.60% |
| Newport, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,183 | 3.50% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,188 | 3.85% |
| Durango, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,399 | 3.15% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,276 | 3.95% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,663 | 3.70% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,892 | 3.65% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,216 | 3.10% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,221 | 3.80% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,825 | 2.65% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,298 | 3.55% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,623 | 3.60% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 507 | $265,095,000 | $522,870 | $9,096 | 3.49% |
For 2021, Northwest Farm Credit Services Flca's most frequently originated type of loan was Conventional, with 507 originations.
Loan Reason
For 2021, Northwest Farm Credit Services Flca's most frequently cited loan purpose was Home Purchase, with 246 originations. The 2nd most popular reason was Refi, with 236 originations.
Loan Duration/Length
For 2021, Northwest Farm Credit Services Flca's most frequently cited loan duration was 30 Year, with 393 originations. The 2nd most popular length was 15 Year, with 89 originations.
Origination Fees/Closing Costs
Northwest Farm Credit Services Flca's average total fees were $10,161, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 240 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 398 | $211,180,000 | $530,603 |
| 2.5-3% | 64 | $33,280,000 | $520,000 |
| 4-5% | 38 | $17,880,000 | $470,526 |
| 5-6% | 4 | $1,920,000 | $480,000 |
| <2.5% | 3 | $835,000 | $278,333 |
During 2021, Northwest Farm Credit Services Flca's average interest rate for loans was 3.53%, while their most frequently originated rate bucket for loans was 3-4%, with 398 originations.
Loan Sizing
2021 saw Northwest Farm Credit Services Flca place emphasis on $200k-400k loans with 151 originations, totaling $44,075,000 in origination value.
Applicant Income
Northwest Farm Credit Services Flca lent most frequently to those with incomes in the $250k+ range, with 167 originations. The second most popular income band? $150k-250k, with 128 originations.
Applicant Debt to Income Ratio
Northwest Farm Credit Services Flca lent most frequently to those with DTI ratios of 20-30%, with 167 originations. The next most common DTI ratio? 30-36%, with 141 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.46%
Northwest Farm Credit Services Flca has a below average approval rate.
Pick Rate
Approvals leading to origination36.49%
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 | 507 | $265,095,000 | $522,870 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| NORTHWEST BANCSHARES INC | Conventional home mortgage | Struggling to pay mortgage | 1 | 11.1% |
| NORTHWEST BANCSHARES INC | Conventional home mortgage | Trouble during payment process | 5 | 55.6% |
| NORTHWEST BANCSHARES INC | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 11.1% |
| NORTHWEST BANCSHARES INC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |
| NORTHWEST BANCSHARES INC | Other type of mortgage | Struggling to pay mortgage | 1 | 11.1% |