What loan types does Fibre offer?

Fibre offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Fibre offer mortgages?

Fibre offers mortgages in 2 states: OR, WA.

How competitive are Fibre's mortgage rates?

Fibre has an overall pricing score of 61.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Fibre?

Fibre is a Credit Union headquartered in Longview, WA.

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Fibre

Credit Union•Longview, WAHQ•Direct•Reviews near you on Google

Fibre has 123 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 27.50 basis points below market average

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Fibre performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 27.5 bps below market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

122 loans · 0.28% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

81 loans · 0.29% below market

Sound

Top 60% of lenders

3/5

Refinance

42 loans · 0.24% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	122	99.2%	-0.278%Below	$3,501Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume122

Mix99.2%

Spread

-0.278%Below

Fees

$3,501Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	81	65.9%	-0.289%Below	$3,708Fees
Refinance	Strong	Sound	Strong	Strong	42	34.1%	-0.245%Below	$3,169Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume81

Mix65.9%

Spread

-0.289%Below

Fees

$3,708Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume42

Mix34.1%

Spread

-0.245%Below

Fees

$3,169Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

123

Applications

183

Volume

$39 million

Pricing & Closing

Avg Rate Spread

-0.275%

vs. market APOR

Avg Net Fees

$3,535

Origination − Credits

Pullthrough Rate

67.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$323,130

Avg Borrower Income

$146,911

Avg Property Value

$518,197

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

West2

ORWA

Top Metro Areas by Place Specialization Score

Longview, WAMetro

Volume 56Mix 45.53% of portfolio

91/100

Exceptional

Portland, OR-WAMetro

Volume 15Mix 12.20% of portfolio

49/100

Sound

Top States by Place Specialization Score

WashingtonState

Volume 84Mix 68.29% of portfolio

69/100

Strong

OregonState

Volume 39Mix 31.71% of portfolio

61/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.