# FIBRE

> **Canonical URL:** https://saferate.com/lenders/fibre


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIBRE is a credit union, headquartered in Longview, WA, serving borrowers across 2 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 39% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TDBTRK89DZRC13
- **Headquarters:** Longview, WA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** OR, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.275%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,535
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $40 million
- **Applications Received:** 183
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $323,130
- **Average Borrower Income:** $146,911
- **Average Property Value:** $518,197

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 122 | -0.278% | $3,501 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 52/100 (Sound)
- Refinance: 42 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 81 | $28M | -0.289% | Sound ☺️ |
| Refinance | 60/100 | 42 | $11M | -0.245% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 84 | 0.10% | 69/100 |
| OR | 39 | 0.09% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Longview | WA | 56 | 91/100 |
| Non |  | 45 | 48/100 |
| Portland | OR-WA | 15 | 49/100 |

## Where This Lender Ranks

FIBRE appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Longview for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Longview for Conventional Loans
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Longview
  - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does FIBRE offer?

FIBRE offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIBRE offer mortgages?

FIBRE offers mortgages in 2 states: OR, WA.

### How competitive are FIBRE's mortgage rates?

FIBRE has a pricing score of 61/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.275% below market average.

### What type of lender is FIBRE?

FIBRE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Longview, WA.

### What is FIBRE's loan approval success rate?

FIBRE has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fibre

### How to Cite

> "FIBRE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fibre

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**[View Interactive Profile →](https://saferate.com/lenders/fibre)**