Ufcw Community Fcu Mortgage Rates, Fees & Info

WYOMING, PA

LEI: 2549001CXZMOEGURA883

Tax ID: 24-0839485

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Ufcw Community Fcu is a smaller credit union specializing in Home Improvement, Refi, and Home Purchase loans. Ufcw Community Fcu has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, Allentown, and Bloomsburg among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Ufcw Community Fcu has an above average approval rate when compared to the average across all lenders.

    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.


    Originations

    54

    Origination Dollar Volume (All Markets)

    $3,670,000

    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
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 52 $3,470,000 $66,731 $0 0.00%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Ufcw Community Fcu's top markets include Scranton, Allentown, and Bloomsburg among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 54 $3,670,000 $67,963 $0 0.00%

    For 2018, Ufcw Community Fcu's most frequently originated type of loan was Conventional, with 54 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 20 $770,000 $38,500 $0 0.00%
    Refi 17 $1,275,000 $75,000 $0 0.00%
    Home Purchase 10 $970,000 $97,000 $0 0.00%
    Cash Out Refi 6 $550,000 $91,667 $0 0.00%
    Other 1 $105,000 $105,000 $0 0.00%

    For 2018, Ufcw Community Fcu's most frequently cited loan purpose was Home Improvement, with 20 originations. The 2nd most popular reason was Refi, with 17 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 54 $3,670,000 $67,963 $0 0.00%

    For 2018, Ufcw Community Fcu's most frequently cited loan duration was Other, with 54 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 45 $2,355,000 $52,333 $0 0.00%
    $100k-200k 7 $865,000 $123,571 $0 0.00%
    $200k-400k 2 $450,000 $225,000 $0 0.00%

    2018 saw Ufcw Community Fcu place emphasis on $100,000 or less loans with 45 originations, totaling $2,355,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 17 $705,000 $41,471 $0 0.00%
    $50k-75k 15 $1,035,000 $69,000 $0 0.00%
    $75k-100k 13 $1,015,000 $78,077 $0 0.00%
    $100k-150k 7 $685,000 $97,857 $0 0.00%
    $150k-250k 1 $125,000 $125,000 $0 0.00%
    $250k+ 1 $105,000 $105,000 $0 0.00%

    Ufcw Community Fcu lent most frequently to those with incomes in the $50k or less range, with 17 originations. The second most popular income band? $50k-75k, with 15 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 54 $3,670,000 $67,963 $0 0.00%

    Ufcw Community Fcu lent most frequently to those with DTI ratios of Exempt%, with 54 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 51 $3,185,000 $62,451 $0 0.00%
    Not provided 3 $485,000 $161,667 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Ufcw Community Fcu has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 54 $3,670,000 $67,963

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 54 $3,670,000 $67,963